Is it possible to issue MTPL for another person?

Types of car insurance

Every driver needs insurance. It will be needed to register the car with the traffic police and to compensate for damage in an accident. Car insurance can be compulsory (OSAGO) or voluntary (hull insurance).

OSAGO.

Drivers are prohibited from driving without a compulsory insurance policy. If during registration the traffic police did not request insurance, they will in any case ask for it in the future. The first time you will be fined 800 rubles for driving without a policy, the second time - 5000. The third time - deprivation of your driver's license.

The MTPL policy only insures the driver's liability on the road. If he caused an accident, the insurance company will compensate the injured party for the damage.

The insurance company will not compensate for damage if:

• the driver was at fault for the accident and his car was damaged;
• the driver demolished a billboard or pole;
• the car was stolen;
• spontaneous combustion occurred;
• hooligans broke car windows or removed tires.

If the driver is involved in an accident, he informs the insurance company about the incident within 5 days. The insurance company makes a decision on payment within 20 days. If the time is up and the insurer has not yet made a decision or has not paid the money, penalties are applied to him by law.

DSAGO.

A voluntary civil liability insurance policy will be needed in cases where the driver wants to increase the amount of insurance payments to the injured party from 500 thousand to a million rubles.

To receive an insurance payment under MTPL, the damage to the injured party must be more than 160 thousand rubles - the maximum one-time payment under MTPL.

The DSAGO policy refers to voluntary motor insurance and comes only as an annex to the compulsory motor liability insurance policy; It cannot be purchased separately. Insurance companies set the price for a DSAGO policy depending on engine power, year of manufacture of the car, driver experience and other factors.

Casco

. A comprehensive insurance policy covers more risks compared to compulsory motor liability insurance. If you get into an accident, knock over a billboard, or someone else’s car blows off your bumper in the parking lot and runs away, the insurance company will compensate for the damage. If the car is stolen, under a comprehensive insurance policy the insurance company will pay 100% of the market value of the car. To receive payments for insurance claims during the year, the driver must pay the full amount of insurance in advance.

Casco is always more expensive than OSAGO. But it is not issued to cars older than 5 years or if the car has a low market value.

"Green map".

If the driver is planning a trip abroad, he must additionally obtain a “green card” - a mandatory insurance policy for driver liability abroad. If you get into an accident in another country, your insurance will cover the damage.

Life insurance.

You can register your life and your passengers. The amount of payments reaches a million rubles.

How to apply for an insurance policy?

You can issue a policy at the offices of the insurance company or on its website, as well as through the MFC and the “Unified Agent”.

Through MFC.

Find out which branch in your region can issue insurance. Call the MFC hotline +7 (by region) and make an appointment to avoid standing in line.

Through "Unified Agent".

The website of the Russian Union of Auto Insurers contains a list of insurance companies where you can issue an electronic MTPL policy.

The system includes only verified and licensed insurance agents. Select any company from the list, follow the link and register on the insurance website. You can link your profile to your State Services account, and the system itself will take the necessary documents.

If you take out a policy through the MFC or the “Unified Agent”, you are guaranteed to receive payments, even if the insurance company goes bankrupt.

Insurance companies selling MTPL via the Internet

Currently, the following companies have ordered electronic insurance policies:

• Alrosa;
• Alpha Insurance;
• VSK;
• VTB insurance;
• Helios Reserve;
• Dalakfes;
• Twenty first century;
• Euroins;
• Zetta Insurance;
• Ingosstrakh;
• Intouch Insurance;
• Itil Armyets;
• Liberty Insurance;
• MAX;
• MSC;
• Hope;
• NASCO;
• Parity-SK;
• Prominstrakh;
• Renaissance Insurance;
• RESO-Garantiya;
• Rosgosstrakh;
• Swissreserve;
• Siberian House of Insurance;
• SOGAZ;
• Agreement;
• Insurance business group;
• Surgutneftegaz;
• Tinkoff;
• UralSib;
• Hoska;
• Energy guarantor;
• ERGO-Rus;
• YuzhUralAsko.

At the same time, some insurance companies from the above list offer to extend the policy only to their own clients. The rest allow you to extend the insurance policy regardless of where the previous contract was concluded.

As of January 31, 2021, 70 companies in Russia have a license for compulsory motor liability insurance. All of them are required to sell e-OSAGO. The current register is published on the website of the Russian Union of Motor Insurers.

What documents are needed to obtain insurance?

To obtain insurance, the driver needs:

• application - usually completed on site at a branch or directly on the website;
• passport of a citizen of the Russian Federation;
• driver license;
• original PTS and vehicle registration certificate;
• original certificate of ownership of the car;
• technical inspection and diagnostic card;
• old policy, if any.

To submit an electronic application, documents are required in electronic form. The driver is given 10 days from the date of purchase of the car to obtain insurance.

○ MTPL innovations.

On July 1, 2015, changes to the Federal Law “On Compulsory Insurance...” dated April 25, 2002 No. 40-FZ came into force, which provide for the possibility of obtaining and renewing compulsory motor liability insurance via the Internet.

• “A compulsory insurance contract can be drawn up in the form of an electronic document, taking into account the features established by this Federal Law. The creation and submission by the policyholder to the insurer of an application for concluding a compulsory insurance contract in the form of an electronic document is carried out using the official website of the insurer on the information and telecommunications network “Internet”. (clause 7.2 of article 15 No. 40-FZ).

Electronic insurance, which is issued in this way, is called e-OSAGO.

How to choose an insurance company?

Fraudsters operating under the guise of insurance companies sell policies without a license. The fine for providing fake insurance to the traffic police is 5,000 rubles. To avoid falling for attackers, pay attention to several points.

License.

Ask the insurance company to see their license. You can check the authenticity of the license for the right to sell compulsory motor insurance or motor insurance on the website of the Bank of Russia. If this is an insurance broker or agent, ask him to present a certificate that allows him to represent the interests of the insurance company and sell the insurance policy.

Reputation.

Check the reputation of the insurance company - mentions in the media, social networks, recommendation services, news on the RSA website. Look at what they write about the company in independent ratings.

Experience.

Find out how many years the company has been offering services on the market. To do this, ask to see the constituent documents and articles of association.

Volume of insurance payments.

Find out in what cases the insurance company refuses to pay the insured amount and what affects its volume. Ask what the maximum lump sum amount will be paid under the comprehensive insurance policy and what may affect it.

If you already have an insurance policy, you can check its authenticity on the RSA website.

How much does car insurance cost?

There is no fixed price for registration of comprehensive insurance or compulsory motor liability insurance. For each driver, the insurance company makes an individual calculation based on:

• car brand;
• Year of release;
• models;
• modifications;
• engine power;
• the period for which the insurance is issued;
• region of residence;
• region of registration of the owner;
• the number of drivers allowed to drive;
• age and experience of each driver.

If the car is older than three years and has a low market value, the insurance amount will be lower. If the car’s power is 100–120 l/s, then the policy for it will be cheaper. To get a discount or reduce the cost, you need to take out insurance in the same place where the driver lives and is registered. If there is only one driver driving a car, over 30 years old and with extensive experience, insurance will cost him less than a young driver.

If the driver previously had a policy and a good insurance history, he can receive a 5-10% discount. To calculate the cost of your policy, consult your insurance company or use special online calculators.

Registration procedure

The procedure for electronic document preparation may have its own characteristics depending on the selected insurance company, the proposed rates and conditions. To apply for an MTPL form, the car owner must complete a number of sequential steps.

Required documents

The required package of papers that must be provided includes an application, identification card, vehicle registration certificate and driver's license. When applying online, you will only need to enter into the electronic form the relevant information from the specified list of documents. If, after checking them, insurance agents have questions, the car owner will need to provide the originals to the company’s office.

Registration

To receive a policy online, you must register on the insurer's website. To do this, you will need to enter personal information in the appropriate form (on the Rosgosstrakh resource, while online, you can study current questions and answers on obtaining electronic compulsory motor liability insurance).

Most companies provide a calculator on their websites. You will need to fill out step by step information about the car, the persons included in the document and the period for which it is issued. In the fields where you need to specify vehicle data, enter the following information:

• government number;
• Vehicle VIN;
• information about the document confirming the right of ownership of the vehicle;
• car type and model;
• owner information.

Some insurers ask for information about your previously obtained policy, including the name of the company that issued it. Payment will complete the registration stage. Bank cards are accepted for payments.

It is important to know! After receiving the electronic form, you should print it out and keep it with you at all times. There is no need to certify with a signature or seal. If you are stopped by the traffic police on the road, all information from the electronic document will be checked through the RSA database.

Price calculation and payment

The cost of the policy is subject to calculation based on the price framework established by the Central Bank of the Russian Federation. But the final price of MTPL is influenced to a greater extent by other characteristics:

• type of vehicle and engine power;
• age and experience of drivers;
• KBM;
• payments under previously concluded contracts;
• presence/absence of a trailer;
• client reliability.

Electronic calculator is available on many websites. For example, Rosgosstrakh allows you to calculate the cost of an MTPL policy online. offers its clients a fairly convenient interface for calculations. The developed tips make it possible for anyone with varying levels of PC knowledge to make calculations. Some electronic resources can calculate not only the price of compulsory motor liability insurance, but also CASCO insurance, including LTV (loss of marketable value of a car), which is directly related to the determination of payments under the policy.

What should you pay attention to in a contract?

When you have chosen an insurance company and are ready to enter into a contract, read it carefully. Please note the following points.

Period for notification of an insured event.

This is the time in which the driver must inform the insurance company about the accident. Under standard conditions, notice is given within three days. If this period expires, the insurer may refuse to pay. Then you will have to compensate for the damage yourself.

Franchise.

Franchise can be unconditional or conditional. With an unconditional deductible of 20 thousand rubles in the event of an accident, the payment will be reduced by this amount. If the deductible is conditional, then the insurance company will pay money only if the damage exceeds 20 thousand rubles. Insurance with deductibles costs 20–40 thousand rubles less.

Wear calculation.

From the insurers' point of view, the car loses up to 15–20% of its original value. Find out how the insurance company will calculate payment annually - based on the age or mileage of the car.

Amount and procedure of insurance payments.

It is possible that, under the terms of the contract, in the event of a second insured event, the company may reduce the amount of payments or automatically include a deductible in the calculation of compensation.

Documentation.

If it is stated that the insurer can request those documents that it needs without a pre-agreed list, there is a risk that payments will be denied due to “missing documents”.

Time to decide on payment.

Usually this is up to 30 days. If this item is not there, ask to be added, otherwise the insurer may delay the process for 3–6 months.

Specify how the damage will be assessed - by a special examination or based on invoices from the service station. Ask in what cases payments will be denied. If the contract states that the insurance company will not pay in the event of a gross violation of traffic rules, it should not be signed. The insurance company will be biased towards any insurance claim.