What is a diagnostic card for MTPL?
A technical inspection is a procedure recommended for regular completion by all car owners. During a series of inspection activities, the craftsmen clarify the condition of the machine, identifying all sorts of deficiencies and detecting design faults. However, drivers who begin to take out the necessary insurance policy often ask what a diagnostic card for compulsory motor liability insurance is.
A diagnostic card is a document issued based on the results of a technical inspection.
The official paper contains information indicating the suitability of the vehicle for use. In the past, a similar form was issued in the form of a technical inspection coupon, but today, new regulations have replaced it.
Responsibility for issuing a policy without a diagnostic card
You may or may not encounter the consequences of using a policy purchased without a diagnostic card. On the one hand, a lot depends on luck, on the other hand, it’s better not to take risks and arrange everything according to the law. Let's consider what consequences are possible with such an approach:
- A traffic police officer will discover that compulsory motor vehicle liability insurance has been issued without undergoing a technical inspection and will impose a fine.
- Refusal to pay compensation by the insurance company in the event of an accident. The company will indicate that the technical inspection was not passed, will pay an insignificant fine to the state for issuing a document without a diagnostic card, but will avoid large payments for an insured event.
It is important to know! Inspection and purchase of MTPL most often take no more than one day, but can take a week. It is not recommended to let the coupon expire; it is better to issue compulsory motor insurance and undergo maintenance before the contract expires. Timely replacement of the policy is the responsibility of the driver. If you do not renew an expired document, there will be penalties.
When is a MTPL diagnostic card necessary?
A diagnostic card is a form indicating the vehicle’s suitability for use in classic road traffic conditions.
It is necessary to obtain the appropriate certificate due to at least two situations:
- This is the document required to obtain compulsory motor liability insurance. According to the law, owners of cars weighing no more than 3.5 tons will have to undergo a technical inspection to obtain the required certificate.
- This is a document presented at the request of State Traffic Inspectorate employees. A traffic police representative may require an insurance policy, which must be carried by each driver. In the absence of the appropriate paper, the owner of the vehicle will be issued an administrative fine in the amount of 800 rubles.
Card cost
Before you start applying for a diagnostic card in 2020, you should find out its price.
The cost of technical inspection of vehicles is limited at the state level, and for legal entities providing such a service, compliance with these restrictions is mandatory.
If the next inspection reveals irregularities in the formation of the cost of diagnostics, for example, if it is much higher than expected, the company may receive a fine or even lose its license to operate.
Technical inspection price for different categories of vehicles:
- motorcycles – 240 rubles;
- trucks – 1630 rubles;
- cars for transporting passengers with at least eight seats – 1,560 rubles;
- trailers weighing up to three and a half tons - 600 rubles;
- trailers weighing up to ten tons - 1050 rubles.
When planning to take out or renew an MTPL insurance policy, we must not forget about having a diagnostic card. It is not possible to insure a vehicle without this document. The risk of driving without insurance is quite high, so it is better to take care of obtaining all the required documents in a timely manner.
The card must be filled out in accordance with all norms and requirements, and also contain the necessary signatures and seals confirming its authenticity. If the document looks different, a check against the registry is necessary.
The legislative framework
The need to obtain a policy for all car owners is established at the legislative level. The corresponding rule was introduced in 2012 - it was then that the regulations for completing technical inspections changed.
Today, the legislative framework regulating the standards for filling out and using cards is as follows:
- Federal Law No. 40-FZ “On Compulsory Insurance...”.
- Federal Law No. 170-FZ “On Technical Inspection”.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
Thus, the question of how to obtain a diagnostic card for compulsory motor liability insurance is answered by a number of state legislative regulations.
What to do if there is no DCA, but you need to insure your car urgently
In such cases, insurance agents meet car owners and draw up a diagnostic card themselves. Of course, you will have to pay extra for this. The insurance agent will tell you exactly what amount. The legislator has not yet abolished this privilege for vehicle owners. So, if your car does not have a valid diagnostic card, then you can contact the insurance company, pay extra for additional services, and you will have a diagnostic card in your hands.
If you have lost DKA, it doesn’t matter either. You can go to any technical inspection station, pay a fee of 300-400 rubles (depending on the station) and receive a duplicate of your diagnostic card. This option is also very often practiced by both car owners and insurance agents. You receive a duplicate card immediately on the same day.
How to apply for a MTPL diagnostic card and how much it will cost
Vehicle owners who wish to obtain a form for compulsory motor liability insurance must contact one of the following places:
- any regional division of the State Traffic Inspectorate;
- non-governmental service accredited by RSA.
Motorists who choose a department of the State Traffic Inspectorate as a point of inspection will be forced to pay a state fee of 300 rubles for the services provided. Citizens visiting private services, as a rule, give an amount in the region of 1,000 rubles.
Bottom line
To summarize, I would like to say that it is not difficult to obtain a diagnostic card, the main thing is to keep the car in good condition. And this is necessary not only for completing a technical inspection, but for your own safety.
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Diagnostic card validity period
The validity period of a card for an MTPL policy depends on some variable parameters. According to current transport legislation:
- cars under 3 years old do not require the described document;
- cars 3-7 years receive a card for a period of 2 calendar years;
- cars over 7 years require annual technical inspection;
The listed rules apply exclusively to cars whose weight does not exceed 3.5 tons. Other regulations apply to passenger buses, transport minibuses, etc. Drivers of cars used to transport people are forced to undergo a technical inspection every 6 months.
Car inspection frequency
How often do you need to undergo a technical inspection and what does the procedure look like for a new car? The decisive parameter is the type of vehicle. Currently the following rules are established:
- Category B vehicles, motorized vehicles, trailers and semi-trailers must be subject to technical inspection 3, 5 and 7 years after the year of manufacture. After the specified period - annually.
- Once a year, C-category cars, cars used for driving lessons, and vehicles with special signals are inspected.
- Every six months, owners of taxis, vehicles for transporting people, buses and cars transporting dangerous goods will have to undergo a technical inspection.
You may be interested in: Issuance of TIN: definition, necessary documents, sample application and conditions for obtaining
If, for example, a B-category car produced in 2021 was purchased at a dealership in 2021, then there is no need to undergo technical inspection. What does the diagnostic chart look like in this case? In such a situation, it simply is not issued.
If the car is already 3 years old from the date of manufacture, then it is necessary to undergo a technical inspection, because without it you cannot issue an insurance policy.
Advantages, disadvantages and legality of the electronic diagnostic record
The digital type of card is an electronic document sent by the registrar to the car owner.
The clear advantages of this certificate format include the following factors:
- the simplest possible receipt scheme;
- the card is issued within 30 minutes after application;
- You do not have to visit a vehicle inspection center to receive the form.
The main negative point in the issue of electronic forms is the dubious legality of such documents. Today, Russian legislation does not provide for rules for remotely obtaining relevant certificates. Due to this state of affairs, electronic cards are not considered documents with legal force.
Is it possible to buy a diagnostic inspection card without showing the car?
Until recently, the purchase raised doubts among most car owners about the legality of this method. Today, this procedure is absolutely transparent and does not contradict the legislation of the Russian Federation. But if you want to buy a diagnostic inspection card without showing the car, there is a risk of being deceived by scammers.
To exclude this and significant overpayment when choosing a company, you should be careful in this matter. You cannot make a decision solely based on reviews on the Internet, since their reliability has not been verified.
Important! Only accredited maintenance operators are entitled to perform maintenance and issue a diagnostic card, as well as enter diagnostic results into the database of the Unified Automated Information System for Technical Inspection. These are reflected in the RSA list and the register of accredited operators.
Some organizations offer the opportunity to issue a card online using an existing form.
The entered information is automatically sent to the Unified Automated Maintenance Information System, after which a diagnostic card is sent to the address specified by the user in the form, which is absolutely legitimate for the insurance policy and complies with the regulations of Russian legislation.
Procedure for registering an electronic document online
Any vehicle owner can fill out the form online. You can follow the steps of the instructions even if you do not have advanced computer skills.
- First, you should open any search engine and go to the website of a company engaged in remote processing of the necessary documents.
- Next, the owner of the vehicle will be asked to create an application. As part of the application, you need to upload scans of the vehicle’s passport, as well as an identification document of its owner.
- Then you need to wait for the official notification of registration of the submitted application. As a rule, such a message comes by email or phone number.
- Next, the car owner must check the correctness of the service provided. You need to go to the EAISTO website and check the appearance of the form number in the open list.
- The final stage is payment for services provided by any specialized company. A document received in electronic format can be saved to a computer and subsequently converted into paper form using the print function.
Changes in maintenance in 2021
Since 2012, DCs have been issued both physically and electronically. However, in the end they decided to modernize the system. Starting from March 1, 2021, only virtual versions of the document will be issued. A paper version with a stamp and signature can now only be obtained upon separate request.
In addition, the format of the document itself is changing. Now, among other things, it must contain a photo of the car during the inspection, as well as the coordinates of the location of the maintenance . All this information will be entered into a single register and stored there for at least five years.
All diagnostic cards issued before March 1, 2021, without the vehicle being checked in for inspection , will be cancelled. In addition, issuing a card without checking the car itself will now be punishable by law.
