Do I need a diagnostic card when applying for compulsory motor liability insurance in 2021?

What is the validity period of a diagnostic card for MTPL? Why do you need a diagnostic card and how to pass a technical inspection in 2021? You will learn more about all these aspects from the article.

A technical inspection of the car is necessary, because it is part of the insurance. Any motorist must have a contract with OSAGO and a diagnostic card that contains information about the technical condition of the vehicle. Only with these documents can the car go on the roads. The insurance company does not have the right to issue a compulsory civil liability insurance policy to vehicle owners if the citizen has not provided the insurer with a diagnostic card with the necessary documentation for subsequent review and study.

What is a diagnostic card for OSAGO

If you are still looking for the answer to the question “ is a diagnostic card for compulsory motor insurance necessary or not?

?”, then the answer is simple – it is necessary! A diagnostic card is a regulated form that reflects the technical condition of the vehicle and is issued based on the results of the inspection; it guarantees the insurance company that the vehicle can move on the roads without any problems.

Where to get a diagnostic card

? The State Road Safety Inspectorate does not conduct an examination and does not control technical inspection; now this procedure can be carried out by contacting the insurance company (if it has a license) or employees of a specialized center. After passing the examination, the motorist receives a regulated document that provides all the necessary information about his vehicle.

The diagnostic form contains:

an identification number;
expert opinion on the condition of the vehicle;
detailed information about the condition of vehicle components and assemblies;
information about the driver and vehicle;
date of receipt of the form;
expiration date of the form.

An identification number containing twenty-one characters is required to be assigned to all diagnostic cards. This number is entered into a special catalog, which is available to both state inspectorate employees and organizations issuing these documents. Only after the ID has been entered into the register is the card considered valid. If a document is lost, it can be restored thanks to this number. Data on citizens' forms are stored in statements for approximately five years, and in the archives of organizations that issue cards for approximately three years.

What is the difference between a technical certificate and a diagnostic card?

A technical certificate is a receipt indicating that an inspection has been completed by technical specialists at stations. It’s interesting what the coupon looked like: it was printed in the form of a card in green, blue and other colors, was used until 2011 and was attached to the windshield of a car.

A picture depicting an old-style coupon:

Now this type of document is not used; it has been completely replaced by a new type of document with a detailed description of the car’s features and an expert’s opinion. In essence, this is the same thing, but unlike a technical coupon, the vehicle does not have to be carried in the cabin. The latest law (2011 - No. 170) introduced an innovation - the old forms were abolished in 2012 and replaced with diagnostic cards.

What is the validity period for a vehicle inspection?

Validity of technical inspection for compulsory motor liability insurance

, according to the law on technical expertise, depends on the period and scope of operation of the vehicle. The validity period of this form is written on a specialized form issued by an organization with the appropriate license:

for vehicles manufactured more than seven years ago, the validity period is one year;
for vehicles manufactured from three to seven years ago - no more than two years;
for all vehicles that specialize in transporting people – six months.

For machines that were manufactured no more than three years ago, such an examination is not needed at all. For other categories of cars, the validity period when taking out an insurance policy is important, because by driving on the roads with an expired form, you are breaking the law. There is a fine for such actions. To update an invalid form, you must complete the following procedures:

vehicles must be brought into proper condition and prepared for technical examination;
contact a RCA-accredited dealer and fill out an application for an inspection;
bring the car to a specialized center for technical inspection;
bring your passport, documents for the car and get a diagnostic card.

If faults are found in the car, the car owner has twenty days to eliminate them. It will be possible to receive the document only after a repeat technical examination, which does not reveal any inconsistencies. The updated identification number of your diagnostic card will be entered into the Unified Automated Technical Inspection Information System. Any state inspector will be able to check your card in the registry, so you need to get a valid card.

Why is it needed?

The answer to this question is simple: the insurer needs to minimize risks. As you know, the OSAGO system was developed to ensure that the driver who caused an accident did not pay money out of his own pocket. This is done for him, in accordance with current legislation, by the insurance company, which receives a certain amount of money for issuing each policy.

The amount of the insurance premium depends on a number of factors:

age and length of service of the driver;
car power and so on.

The higher the insurer's risks - the greater the likelihood that he will have to compensate for damage in an accident, the higher the cost of the policy. How does this relate to the diagnostic card?

If the car has not passed the inspection, then there is a risk that it is not in very good technical condition. Accordingly, there is a high probability of such a car getting into an accident. Not even through the driver’s fault, but simply because, for example, her wheel might fall off on the way.

To reduce risks, the insurer needs to make sure that everything is in order with the car . Therefore, when applying for compulsory motor liability insurance, insurance companies require car owners to provide a diagnostic card, which indicates that the car is approved for use. The obligation to provide paperwork to the insurer is enshrined in law.

When do you need a diagnostic certificate for a car?

The current legislation of the Russian Federation regulates that only some vehicles should be subjected to technical examination. A technical inspection is not required to obtain an MTPL policy:

transport that will be insured temporarily (for twenty days);
a new car if it is less than three years old;
a car enthusiast who purchased a car from another owner and the validity of the document has not yet expired;
to the owner of the car, who received documents for it and their period has not expired, but the registration numbers have been changed.

In some cases, obtaining a diagnostic card may be required for a new vehicle, although this is not required by law. The buyer may request a technical expert report to ensure that everything is in order with his new purchased property.

For other categories of transport, it is necessary to obtain a specialized technical inspection form, as it will be required to issue a policy. The main function of the form is that it notifies the relevant authorities that the car is approved for operation in the Russian Federation and abroad.

Is DC required when taking out an insurance policy?

In Art. 15 of the Federal Law “On Compulsory Motor Third Party Liability Insurance” contains a list of documents that must be presented to the insurer in order to obtain an MTPL policy. Among them is a diagnostic card.

But, based on the provisions of this article, it cannot be said that a recreation center is always required to obtain insurance . The law states that there are some cases when presenting the card to the insurer is not required. Which ones exactly? Nothing is said about this. But in this article such cases will be discussed. In the meantime, we note that, according to the general rule, you cannot get a compulsory motor liability insurance policy without a diagnostic card.

Is it necessary if you apply online?

Current legislation allows and even welcomes the registration of insurance electronically via the Internet. Do I need a diagnostic card when receiving OSAGO online?

Let’s answer: in most situations, you can’t do without a recreation center. Why?

Is it necessary to undergo a technical inspection to obtain MTPL insurance if the car owner takes out a policy while sitting at home at his computer? It was noted above that this is required by the law “On Compulsory Motor Liability Insurance”; its provisions also apply to such cases. There is not a single clause in the mentioned legal act that if an E-MTPL policy is formed, then you do not have to undergo a technical inspection.
Even if some motorist has the intention of breaking the law and obtaining an electronic MTPL policy without a DC, he will not succeed. To apply for a policy, you must log in or register on the website of any of the licensed insurance companies and fill out the required fields on the selected resource.
- First, you need to provide information about the car and the drivers who plan to be allowed to drive.

What can an unscrupulous motorist do? For example, enter numbers at random, indicate the number of someone else’s diagnostic card. It won't do any good. The system will not allow you to issue a policy. As noted above, information about each recreation center is entered into a special electronic database - EAISTO. When registering for E-OSAGO, the card is checked by its number. If the number is entered incorrectly, the system will not allow the motorist to access the pages of the insurer’s website, where the payment and policy purchase button is located.

The situation is similar in a situation where someone else's DC number is entered. The system will “see” that the information entered in the fields on the website for issuing a policy does not correspond to what is available in EAISTO.

Thus, without a DC it will not be possible to issue even an electronic MTPL policy .

How to get a diagnostic card for MTPL in 2021: vehicle compliance criteria

Technical inspection is carried out by two specialists who check and confirm that the vehicle meets all requirements and is suitable for use. The form must be signed by both experts. The main task of the experts is to check the condition of all components and mechanisms of the vehicle; they inspect:

tires;
brake units;
lighting;
steering part of the vehicle;
windshield washers and cleaners;
exhaust toxicity.

Not all audit points are noted in this list; there are more than sixty of them, at least forty of which apply to passenger vehicles. The main thing that specialists need to know is whether your machine is suitable for use.

Consequences of using an expired maintenance ticket

Drivers must have a valid vehicle inspection certificate, which may be required by the traffic police; they will certainly be fined for lack of a document if they operate vehicles such as:

route and passenger taxis;
vehicles with dangerous goods;
buses;
trucks that have seats for carrying passengers (more than eight);

For drivers who drive their own cars, a fine for not having a compulsory motor liability insurance policy is provided in the amount of 500 to 800 rubles. The inspection form establishes the fact that your car will function normally during the validity period of this card; it is needed to conclude a contract with OSAGO. Operating a vehicle without a policy or with a document whose validity has expired leads to unpleasant consequences. The consequences may be the following:

The state inspection will impose fines on the motorist again and again until he acquires a valid document.
The insurer will refuse to pay compensation to the owner if an insured event occurs.
The court will decide to confiscate the car owner's license.

If your insurance policy is expired, then you must pay a fine of 800 rubles; if you simply forgot the document at home or did not print out its electronic version, then a fine of 500 rubles is imposed. You can pay half the fine if you pay it within 20 days from the date of the decision on the violation.

In fact, without passing a technical examination, you will not be able to enter into an agreement with an insurance company, which leads to the imposition of penalties. We can automatically conclude that the owners of passenger cars will also be fined if they do not have a policy with them, for which it is necessary to undergo an MOT.

conclusions

To summarize the article, we draw your attention to the following information:

A diagnostic card is a form with a high degree of security and with a unique identification number that confirms the fact that the car is in normal condition; it is necessary for concluding a contract with OSAGO.
You can obtain an expert opinion from a special center or from an insurer that is licensed to conduct such procedures.
It is undesirable to drive without a policy, because it is punishable by fines.
A special catalog, which is available to the traffic police and the organization that issued the inspection form, contains information about valid cards.
The validity period is determined by law and depends on the category of the machine, its age and scope of application.

This information is relevant for 2021; we will provide all changes regarding this topic on the website in a timely manner. Stay tuned!