The puzzle that every car owner who has just bought a new car has to solve is how to get to the insurance company without getting a fine? After all, everyone knows that the absence of an insurance policy is unacceptable, but it is necessary to obtain it before the car is registered, but no later than ten days from the date of purchase.
Let's look into this issue and save many new drivers from the thought of delivering their vehicle to the doorstep of the insurance company on a tow truck.
Normative base
Issues of car insurance in Russia are regulated mainly by two regulations - Federal Law No. 40 “On compulsory insurance of civil liability of vehicle owners” and the Traffic Rules.
The first of them establishes the very regulatory framework for the existence of compulsory motor liability insurance, and traffic rules clarify the application of the law regarding road traffic. In addition, there is administrative liability for violating the norms of the above-mentioned acts. This issue is regulated by the Code of Administrative Offenses.
At the same time, it should be noted that the norms of the first two regulations are in some contradiction with each other.
If the law on compulsory motor liability insurance gives the car owner the right to drive without insurance for five days, then the traffic rules strictly require the driver to have insurance and assume that he will be able to demonstrate it to the traffic police officer upon request.
As a result of this contradiction, the driver may be faced with a situation where they will try to apply the rules of the Code of Administrative Offenses on liability for the lack of compulsory insurance. Despite the fact that the owner of the car can rely on a provision of the law that gives him a ten-day right to drive without a policy, there are often cases when inspectors require a document and threaten fines based on paragraph 2.1.1 of the Rules.
What is required to have insurance for registration?
This obligation is prescribed by 2 legal acts at once: the Federal Law “On Compulsory Motor Liability Insurance” and the rules for registering vehicles (Order No. 399). According to the latter, after we acquire ownership of the car, we are obliged to register it in our name with the traffic police within 10 days.
Moreover, it is incorrect to say “register” in this context - this is only the re-registration of the car with a change in the owner in the necessary documents. And the car is already registered with the traffic police.
The Federal Law “On Compulsory Motor Liability Insurance”, in turn, prescribes the obligation to buy insurance within the same 10 days after purchasing the car.
The countdown of 10 days in both regulations begins from the date of signing the purchase and sale agreement.
Driving a car without an insurance policy
When a car passes from one owner to another, Federal Law No. 40 gives 10 days for the new owner to obtain compulsory motor liability insurance. But in order to get it, the car needs to be driven to the site for technical inspection. Since compulsory motor liability insurance must be issued even before registering the purchased car and taking into account the above contradiction, such a distillation may be a problem.
There are three ways to avoid unnecessary headaches when moving a car after a change of owner and before obtaining insurance:
- draw up a power of attorney or agreement for free use;
- the former owner can ride in the cabin with the new one;
- purchase temporary insurance.
The first two methods are used especially often. The first method involves the previous owner of the car drawing up a general power of attorney or agreement for the use of the car for the new one.
When drawing up a power of attorney, the duration of its validity must take into account the ten-day period established by law. To draw up a general power of attorney, you will also need to use the services of a notary, which are not needed if a use agreement is drawn up.
But still, both methods do not always eliminate unpleasant communication with traffic police officers. Therefore, it makes sense to purchase a transit insurance policy.
Why and who might need to move a car to another city and what will be the price of this service?
There are times when there is a need to use the services of professionals who will take on the responsibility of drawing up an estimate of the cost of transporting your car across Russia or to other countries and, in fact, delivering your car from point A to point B. Often people themselves cannot for a number of reasons get behind the wheel: you don’t have a license, you drank alcohol, your driver didn’t come to work... There are a lot of cases when car owners ask themselves the question: “Where can I order a car hauling and what will be the price for hauling cars within Russia?” After all, you must admit that not everyone has friends who can be trusted with their vehicle. In such cases, the specialists of TA Peregonshchik LLC are ready to help not only determine the cost, but also deliver the car safely and securely to its destination.
Documents required to move a car
If a driver drives a vehicle over a long distance, he needs to have a number of documents with him. Their presence will protect him from accusations of breaking the law and will indicate that he is driving the car legally.
This list of papers is quite small:
- Driver's license.
- A document confirming the ownership of a car or ownership of it (PTS, power of attorney, agreement).
- Regular or transit MTPL insurance, if available.
The type of insurance that a car owner should carry with him depends on whether he has already taken out car insurance on a permanent basis or not. If we are talking about the period between acquiring ownership of a car and its registration, then temporary insurance is the most suitable option.
Penalties for drivers without compulsory motor liability insurance
They are usually punished by a fine:
- Got into an accident and don't have insurance? If you are the culprit of the accident, you will have to compensate for both your own and others’ losses. Was the accident not your fault? The damage will be compensated by the other driver or his insurance company.
- Every time you communicate with an inspector, you will have to explain why you do not have compulsory motor insurance and prove that the car is not stolen. The inspector has the right to detain you and clarify the details.
- The policy has been issued, but is not with you (lost, did not have time to issue it again)? You will be fined.
- You have insurance, but another person is driving, whose name is not on the policy? Again a fine.
- Drive with an expired policy or outside its validity period (for example, insurance was issued from May to September, but it is November) - you will be fined.
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From November 15, 2014, the traffic police will not remove license plates from a car and does not have the right to evacuate a car to a impound lot if the driver does not have an insurance policy. In 2021, according to the new rules, the fine is the maximum penalty for riding without insurance.
Conclusion: the maximum period when you can drive without insurance is ten days after purchasing the vehicle. Apply for a compulsory motor liability insurance policy in a timely manner and drive calmly, legally, without fear of running into an inspection and getting a fine!
Temporary insurance
If a car owner finds himself in a situation where he needs to drive a car over a long distance, without having permanent MTPL insurance, then the right to purchase a temporary policy provided by law may be his way out. This type of insurance policy is also called transit insurance.
The main feature of transit insurance is that you do not need to undergo a technical inspection to obtain it. Federal Law No. 40 gives the right to issue this policy if:
- The vehicle must be taken to a technical service or inspection center for scheduled maintenance or in connection with insurance.
- The vehicle was owned due to a will, gift or purchase, and it must be driven to the place of registration.
Such MTPL insurance is issued for a period of 20 days, which should be enough to complete all procedures and purchase a permanent policy.
Responsibility for late registration
Now let's talk about punishments. We remind you that driving without insurance, in contrast to driving without a license, where the vehicle is detained with subsequent evacuation to an impound lot, is only punishable by a fine, the amount of which is up to five hundred rubles .
The penalties for late registration of a car are more serious. Thus, the delay in registering a car for individuals will already be from one and a half thousand to two , for legal entities - from five to ten , and for officials - from two to three and a half .
If the driver is detained again, but the car has not been registered, there is a high probability of losing his license for up to 3 months. An unaffordable luxury for drivers who make their living by transporting cargo and passengers.
If the old owner continues to receive fines for the car that he sold to you, he may well report the car for theft. In this case, rest assured, you cannot avoid truly serious problems.
Its advantages and disadvantages
Like any decision, purchasing a temporary car insurance policy has its pros and cons. The benefits primarily relate to the avoidance of unnecessary headaches due to potential clashes with government officials.
As for the shortcomings, they are small and primarily manifest themselves when the distillation is supposed to be over an extremely short distance.
The main advantages of transit insurance, which may prompt you to acquire it, are the following:
- The car owner is spared the need to explain to traffic police officers if they require the presentation of the policy. Instead of a potentially lengthy dispute with the inspector, he may simply show the temporary insurance.
- Also, the car owner will be freed from the danger of paying for car repairs out of his own pocket in the event of an accident. The fact is that before purchasing a compulsory motor liability insurance policy, even during the period permitted by law, in the event of an accident, the driver bears all financial responsibility independently.
There is only one downside to a temporary policy, but for some it may be significant - you will have to spend additional money on it.
Therefore, it is worth weighing whether you really need to buy it. In the case of driving a car over a long distance, the arguments in favor are really significant, but if we are talking about a distance of a couple of kilometers, then insurance turns into a dubious expense.
When is it possible not to receive compulsory motor insurance at all?
There are several such cases:
- The vehicle cannot move at a speed above 20 km/h, or is not able to drive on public roads (including due to changes made by the owner of the car)
- The vehicle belongs to the Russian Armed Forces (army)
- The car is registered in another state and has foreign insurance (in this case, the vehicle travels in Russia on a green card)
- The car is driven not by the owner himself, but by someone else. Then the MTPL policy must be issued for him.
If you have the policy in hand, but it has expired, you have broken the law. The inspector will issue you a fine and also give you 1 day to correct the situation. You were stopped by the traffic police again, but you still had no insurance? The collection will be repeated.
If you transfer the right to drive a car to another person, it must be included in the OSAGO policy. The law obliges you to report this to the insurance company and pay extra for the policy. Even if you are the owner of a car and are sitting in the next seat, but the driver (including a close relative) drives your car without insurance, the inspector has every right to impose a fine.
Newly licensed drivers do not have any legal advantage over more experienced drivers. Beginners are also required to take out an insurance policy and drive only with it.
How will such a transit policy help?
A transit OSAGO policy can be an excellent solution for many cases when a car is required to be transported over a relatively long distance and the owner does not have a permanent policy. A car owner who is wondering whether it is possible to drive a car without insurance under a sales contract can be confident of a positive answer if he acquires one.
In addition, often car owners, especially in our time when gasoline is expensive, use their vehicles only for a short time throughout the year. Do they really need to spend time and money on obtaining a full annual policy? Or, at your own peril and risk, break the law and travel without the required paperwork?
Of course not. Buying temporary insurance will be a great solution for them too. The maximum validity period of such a document is 20 days, which in most cases is sufficient to carry out all registration procedures in the case of a newly purchased car or making necessary trips for those who use the vehicle sporadically.
The maximum period for issuing a transit policy does not mean that it is necessary to buy it for as much as 20 days. If the car owner is confident that a shorter period will be enough for him, then he can limit himself to 10 days or even less. The main thing is that the car complies with the provisions of the regulations giving rights to temporary insurance.
In fact, at the moment this is the only legal way to get short-term insurance for cars registered in the Russian Federation. The law is more favorable to vehicles with foreign registration - it allows them to purchase compulsory motor liability insurance for a period of 5 days under any circumstances.
What else does the price include in order to efficiently transport a car to another city?
First of all, you need to consider the price of insurance for moving the car. Its price is discussed by our managers with insurers individually when placing an order.
Price of MTPL policy for moving a car
Does the policy specify a limited number of drivers? Then you need to enter the name of our car hauler into your policy. There is an alternative: in this case, we suggest purchasing an additional temporary MTPL policy for a period of two weeks. This document will be valid for the entire period of our cooperation. At the end of the work, it remains with the owner of the car. The price of an MTPL policy for moving a car is standard and is formed by each insurance company individually, but within the range of prices approved by the Russian Union of Insurers. This is beneficial for the client: when submitting a temporary and issuing a permanent MTPL policy, insurance agents almost always offer a significant discount on the purchase of a permanent policy. Temporary insurance is especially suitable for those who have recently bought a car: in this case, the owner will be able to safely drive until the expiration of the policy without violating the terms of compulsory insurance.
Cost of CASCO and DAMAGE insurance for moving a car
It is possible to additionally insure your car and equipment. The agency sometimes offers to take out CASCO or DAMAGE insurance for moving a car across Russia. It can be purchased for any period of time. The managers of TA Peregonshchik will discuss the price of such insurance for moving a car individually with insurers, based on your needs. Such a policy can cover travel insurance not only within the country, but also abroad.
PLATO
When calculating the cost of transportation, the weight of the vehicle also plays a role. If the car weighs more than 12 tons, then you need to buy a PLATO road map. From April 15, 2021, the price for driving cars across Russia per km of road is 1.90 rubles. Owners of vehicles weighing more than specified may not pay in the following cases:
- Military special equipment.
- Special transport of police, medical aid, fire department, rescue equipment.
- Vehicles for transporting people (except cargo-passenger vans).
Oversize license
TA Peregonshchik clients often ask about the cost of transporting large-sized or multi-ton equipment. In this case, the manager of TA Peregonshchik takes into account the cost of a special permit in the price for transporting cars across Russia. If we are talking about driving a car not within Russia, but abroad, then the price is discussed individually with the customer.
Where can I buy temporary insurance?
There are several ways to temporarily insure your car.
In order to acquire such a policy, the car owner will need:
- contact the employees of the car dealership where he buys the car;
- use the services of insurance brokers;
- personally find an insurance company that sells similar policies.
The first option is suitable if we are talking about buying a new car at a car dealership. In addition, the car dealership itself must provide this service. Although most of them sell policies, not all do. Therefore, the car owner should find out this point in advance.
The good thing about the services of insurance brokers is that the car owner does not depend on the car dealership and does not have to waste time searching for an insurance company. The disadvantage of this method may be the need to pay for intermediary services.
In addition, brokers often persuade clients to use the policy of the company with which they have established constant cooperation. For the insured person, the conditions of such a company may not always be the most favorable ones offered on the market.
By searching for an insurance company on their own, the vehicle owner eliminates the need to pay for the services of an intermediary. In addition, he can familiarize himself in detail with all the offers that currently exist. The disadvantage of this option is that you may have to spend quite a lot of time.
How much will it cost
The cost of standard MTPL insurance, even for a minimum period, can be quite expensive. Especially when it comes to car insurance. Therefore, as statistics show, more than 3 million car owners in Russia break the law and drive without a policy.
Transit insurance in this sense will undoubtedly be a more profitable deal and at the same time will allow you not to violate the requirements of regulations. Its cost is lower than the standard option, even taking into account all the nuances that insurers take into account when calculating the amount required from the car owner.
When determining the cost of a transit policy, the following nuances are taken into account:
- Engine capacity of the vehicle being insured.
- Its power.
- Car owner driving experience.
- His age.
- Owner's reputation.
- The region in which registration takes place.
Reputation means information about where the owner of the insured vehicle works and what his salary is. Of course, it is also taken into account whether he has previously violated the law (especially traffic rules) and whether he has been involved in traffic accidents. The presence of such “spots” always affects the cost of insurance in the direction of its increase.
How to move a car at the lowest cost?
The high cost of the service forces people to move cars themselves. However, in the absence of experience, delivery may be complicated by the occurrence of unforeseen situations. It is wiser not to expose yourself and your purchase to unjustified risks, but to find inexpensive car removal services.
One option is to use the SmestaNamesto service. There are numerous drivers registered on the site who offer transportation of cars from St. Petersburg to Nizhny Novgorod, Crimea, in any direction.
To find the most profitable option, you need to place a request that a ferryman is required. Soon after this, offers will start coming in. If the cost of services from large companies seems high, consider the responses of entrepreneurs. They are all interested in maximum productivity. A long downtime is unprofitable, so you can always negotiate the price of moving a car.
The route, transit time, and other nuances are discussed directly with the specific contractor. This is how the most profitable transporter in Russia is found, and both parties are satisfied.
