How to apply for an MTPL policy for a car

A motor vehicle liability insurance policy is a mandatory document, without which it is impossible to drive a vehicle. You can sign up for compulsory motor liability insurance at any insurance company, but it is recommended that you familiarize yourself with the tariffs first. In the event of an accident, all costs of restoring the car are paid by the insurance company.

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What is needed to obtain MTPL insurance for a car?

Taking out car insurance is a fairly simple procedure. To insure your car you need:

• choose an insurance company where compulsory motor liability insurance will be issued;
• collect the necessary documents;
• provide them to the insurance company, choosing the most convenient method.

The procedure for obtaining MTPL insurance is now standardized, so the set of documents and the fee for issuing a policy will not differ, no matter which insurance company you contact.

The cost of the service depends on the year of manufacture, make of the car and other factors.

After reviewing the documents and if there are no violations, a movable property insurance contract is signed. Let's take a closer look at what is needed to obtain an MTPL insurance policy.

Do you want to get insurance without additional services? Use our free service to select insurance.

List of documents for registration of an MTPL policy

To apply for a policy, you must write a corresponding application to the insurance company - a sample of filling out an application for concluding an MTPL agreement is provided.

Required documents to obtain car insurance:

• passed a technical inspection of the car (diagnostic card), this can be done at any service station;
• vehicle technical passport, car registration certificate, for a recently purchased car you need a title;
• ID card (passport);
• driver's license (you can get compulsory motor vehicle liability insurance without a license only when you take out a policy for an unlimited number of people);
• power of attorney - required when concluding an insurance contract for a vehicle that is not the personal property of the authorized person.

The application form for compulsory motor liability insurance is very simple; it contains all the data.

applications for compulsory motor liability insurance

It is also possible to apply for compulsory motor liability insurance without a technical inspection - this option is provided only for recently purchased cars.

Many people are interested in whether it is possible to insure a car without a driver’s license. This can be done provided that you take out a policy for an unlimited number of drivers; the cost of such insurance is 80% more expensive.

Documents for OSAGO renewal

The MTPL contract is concluded for a period of one year, after which the insurance must be renewed. To do this, you will need to provide a list of documents the same as for issuing a primary insurance policy:

• personal statement;
• identification document (passport);
• registration certificate or any other vehicle registration document;
• old OSAGO policy;
• driver's licenses for persons authorized to drive a car;
• car diagnostic card.

Since 2015, there has been a contract renewal service via the Internet.

Rules and procedure for obtaining an MTPL policy in 2021

The new rules for issuing an MTPL policy in 2021 require the implementation of several points of the plan, which everyone is recommended to adhere to in order to avoid wasting time and money.

Insurance application process in 2021:

1. Choosing an insurance company.
2. Submitting an application to the insurance company and collecting the other documents listed above.
3. Contacting the insurance company.
4. Registration and receipt of insurance in hand.

Rules for filling out the OSAGO insurance policy form:

• It is mandatory to check each clause of the contract for compliance in order to eliminate possible errors;
• the OSAGO form must contain the signatures of both parties, the date of conclusion of the insurance contract, and the seal of the insurance company;
• the insurance form must not contain corrections;
• You can fill out the MTPL policy both in paper and electronic form via the Internet.

After completing all the formalities, the applicant receives:

• a paper MTPL agreement with a seal, signatures of both parties and a special state sign;
• originals of personal documents;
• original or copy of the receipt for payment of services from the insurance company;
• insurance memo and MTPL rules;
• two copies of accident notifications, if there are not enough of them, you can contact the insurance company for additional copies.

When submitting an application via the Internet, the completed contract is sent by email; you just need to print it out.

So, let’s continue this lively topic and immediately ask you not to say later that we did not warn you about the consequences.

Something has changed a little in OSAGO now. Let's start with dry quotes from changes to the law “On Compulsory Motor Liability Insurance”, then it will get more interesting:

Paragraph 1, Article 11 of the Federal Law “On Compulsory Motor Liability Insurance”: The insurer is obliged to inspect the damaged vehicle, other property or its remains and (or) organize their independent technical examination, independent examination (assessment) within no more than five working days from the date of receipt of the application on insurance payment or direct compensation for losses with the attached documents provided for by the rules of compulsory insurance, and familiarize the victim with the results of the inspection and independent technical examination, independent examination (assessment), unless another period is agreed upon by the insurer with the victim.

So far everything is great - the insurer is obliged to inspect it, five working days from the date of filing the application. However, remember that they may quietly slip you a paper to sign with a different deadline for inspecting your wrecked car. Therefore, read what you sign carefully.

The most interesting thing in this paragraph is that the insurance company is obliged to familiarize you with the results of the inspection and independent examination. That is, you are required to show an inspection report and a calculation of the amount of damage, which insurers never give out to anyone. But don't rush to rejoice. Many people think that familiarizing and issuing a copy are equivalent actions. To introduce means nothing more than to give to look. You can take a photo of the document while viewing it.

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Then everything gets much hotter. Paragraph 4:

If the victim fails to provide damaged property or its remains for inspection and (or) independent technical examination, independent examination (assessment) on the date agreed with the insurer in accordance with paragraphs one and two of this paragraph, the victim does not have the right to independently organize an independent technical examination or independent examination ( assessment) on the basis of paragraph two of paragraph 13 of this article, and the insurer has the right to return without consideration the application submitted by the victim for insurance payment or direct compensation for losses, along with the documents provided for by the rules of compulsory insurance.

Checkmate, gentlemen, car owners! How can insurers start using this? Yes, very simple.

The most terrible word in this whole situation is “ CONSISTENT ”. That is, we understand that there must be an agreed date for the inspection. And if this agreed inspection date is not available anywhere, and who is responsible for initiating this approval? The procedure for carrying out this approval is not established by law...

But the MTPL insurance rules, which the Central Bank of the Russian Federation kindly prepared for us, paragraph 3, clause 3.11 of the Insurance Rules, come to our aid:

The insurer is obliged to agree with the victim on the time and place of the inspection and (or) organization of an independent examination of the damaged property, taking into account the work schedule of the insurer, the expert and the period of inspection specified in this paragraph, an independent technical examination, an independent examination (assessment) of the damaged property, and the victim in must present the damaged property at the time agreed with the insurer.

Thus, the initiator of the agreement should be the insurance company, and not you. You are only required to present the car for inspection.

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Now about how to avoid becoming a victim of insurance scams.

Keep copies of all documents that you submit to the insurance company. EVERYONE! COPIES!

Very often we are approached by clients who come only with a list of transfer of all documents or are completely empty-handed. Insurance companies do not return the documents, citing the fact that they will only provide them at the request of the court. In such cases, all documents have to be restored by the traffic police, tow truck operators, etc. Restoring documents takes a lot of time. Do you need it?

In the application for insurance payment, write: “I demand that you immediately agree on the date, time and place of the inspection (clause 3.11 of the OSAGO Rules) and provide for review the result (act) of the inspection and an independent technical examination (paragraph 1, article 11 of the Federal Law on OSAGO) "

Then everything goes according to the first point, we take a copy of the application for insurance payment with a note about acceptance of the application.

During the inspection, do as you wish, but get an inspection report, which will be drawn up by an expert who is not legally an employee of the insurance company.

Take photographs and video that he refuses to provide you with this inspection report. If you can’t get it, then record the scoundrel expert on video.

The act of inspecting your damaged car is direct evidence that you provided the car for inspection. Thus, if the insurance company returns the documents to you with the wording (the car is not presented for inspection), then we will easily, quickly and painlessly take away from the insurance company what is due to you by law.

If it so happens that you did not read this article before going to the insurance company and you have nothing in your hands except a letter stating that you allegedly did not present the car for inspection, then you are welcome, this situation is still not is hopeless.

What the new MTPL policy will look like

Today you can buy a new type of MTPL policy from any insurance company.

The new MTPL policy for 2021 looks the same as in 2018, the main difference is the expanded color range; lilac color predominates on paper.

Protection against counterfeiting on a sample insurance policy is provided in the following ways:

• two-layer printing with a contrasting background;
• complete font change;
• changing the form and location of watermarks on the new OSAGO policy form;
• RSA watermarks along the edges of the document;
• an image of a car in the center of the document, above it the inscription of the MTPL policy along the entire length of the line;
• QR code in the upper right corner.

insurance policy can be obtained on the Internet, as well as on our website.

insurance policy

The new OSAGO policy form in electronic form looks exactly the same as in paper form.

It should be remembered that when applying for insurance electronically, you must print out the E-OSAGO insurance policy for the car and always have it with you.

Is it necessary to purchase additional services when applying for compulsory motor liability insurance?

It should be noted that in most cases, when purchasing an MTPL insurance policy, car owners are intrusively offered to purchase some additional services. For example, insurance against theft of your own vehicle or its damage during a fire. By law, insurance company employees do not have the right to impose additional services on car owners. Control of the rules of operation in the auto insurance market is assigned to RSA.

If the auto insurer tries to “motivate” the client by not issuing him an MTPL insurance policy at all, then the policyholder has the right to file a complaint with the Russian Union of Auto Insurers. But for an effective complaint, you must have a strong evidence base. As a last resort, you can purchase additional insurance services in addition to the MTPL policy, but subsequently contact the insurer again and get your money back for them. But this is only possible within five days from the date of conclusion of the insurance contract. And only when the insured person did not apply for compensation payments during this period. The possibility of appealing against illegal actions of insurers also exists when contacting Rospotrebnadzor. In any case, there is always the opportunity to contact another insurance company.

If the fact of imposing additional services when applying for compulsory motor liability insurance is proven, then large penalties will be imposed on this insurance company, and the insurance agent will also suffer greatly financially.

Video about the situation with compulsory motor liability insurance in Russia and insurance without additional products

Where is the best place to apply for compulsory motor liability insurance?

Today there are a large number of insurance options; many people choose where it is better to insure their car with an insurance company. Tariffs differ in different organizations; the type of vehicle plays an important role; it is cheaper to issue a policy for a passenger car in one place, but it is more profitable to insure a bus, a truck, or obtain a policy for a motorcycle in another.

First of all, you should pay attention to the ratings of insurance companies, whose prices can always be found online. If necessary, you can always ask your friends; forums are considered a source of useful information.

For many, the cost of services is decisive, which is not always correct. First of all, it is recommended to pay attention to the reliability of the company.

How to make car insurance cheaper

Every car owner wants to get OSAGO insurance cheaply, because often the cost of concluding a contract significantly hits the pocket.

There are several ways to get cheap MTPL insurance for your car.:

• choosing an insurance company with a low base rate;
• reducing the insurance period - this option is suitable if you need to use the vehicle for a limited period of time;
• use of the CBN discount for the absence of an accident;
• promotions when taking out 2 or more MTPL policies;
• adding yourself to the driver’s policy with at least 3 years of experience and at the age of 22;
• registering a car in a region with a low territorial coefficient.

In one of our articles, we have already indicated companies with low basic tariffs, which will help you get an OSAGO policy inexpensively.

How to save on your purchase

To purchase the cheapest MTPL insurance, you need to take a responsible approach to choosing a company, as well as take advantage of additional opportunities to reduce the price. Each of the cost reduction methods has advantages and disadvantages, which must be taken into account before registration.

Ways to save:

• Careful selection of company. To reduce the price of the policy, you should use the services of the company with the most favorable basic rates.
• Reducing the period. If the vehicle is used irregularly, you can save on the insurance period. When applying for compulsory motor liability insurance for several months, the driver pays half the cost of the policy. However, when using the machine constantly, this option is inconvenient.
• KBM discount. The bonus-malus coefficient allows you to reduce the price of compulsory motor insurance if the driver does not get into an accident. If there are no emergencies within 1 year, the policy will be 5% cheaper.
• Conclusion of several contracts. Many companies offer discounts when taking out MTPL, CASCO and other types of insurance. Therefore, the car owner has the opportunity to reduce the cost of the policy while simultaneously insuring his life or property.
• Discount for experience and age. For beginners, MTPL costs more. When registering, the name of experienced drivers is often entered, but this method often leads to subsequent difficulties in receiving insurance payments.
• Territorial coefficient. It is extremely important to take this criterion into account in order to find out where it is cheaper to buy compulsory motor insurance. In some regions the price of the policy is much lower than in others. You can save money by registering your vehicle where the TC is lower.

It is important to know! You can also get a discount if you purchase your policy online. First, you should find out where it is cheaper to buy compulsory motor insurance online. Many insurance companies allow you to make such a purchase and provide bonuses for this.

Why can an insurance company refuse to insure a car?

The insurance company does not have the right to unreasonably refuse to issue an insurance contract; the legislation provides for administrative liability for this. However, today there are four reasons why an insurance company can legally refuse to sign a contract.

The reason for refusal may be:

• lack of connection with the automated SAR system;
• lack of a power of attorney when applying for insurance on behalf of a legal entity or individual entrepreneur;
• failed technical inspection of the vehicle;
• provision of an incomplete package of documents.

All other reasons are considered insufficient for refusal. An error in the policy is not grounds for denial of insurance. But it should be remembered that such a policy will be considered invalid upon presentation.

It is also possible to insure a car without a car; in other words, to obtain compulsory motor liability insurance, it is not necessary to provide the car for inspection. The insurance company has no right to refuse to conclude a contract in such cases.

Problems with registration of compulsory motor liability insurance often arise when insuring a taxi; the refusal of the insurance company in this case is also considered illegal.

Many car owners do not know what to do if they cannot insure their car. After receiving a refusal to issue an MTPL agreement, you must request written confirmation. Refusal may be given by a supervisor or authorized employee after a corresponding request is received.

Necessary actions:

1. Writing an application requesting a written refusal.
2. Endorsement of the application by the secretary.

The wait may take several days, after which a response should follow. It is also recommended to provide audio or video recordings as confirmation; the insurance employee must introduce himself in the recording.

It is recommended to write complaints to the company’s website, as well as to the portal of the Russian Union of Auto Insurers.

Do I need to provide a car when taking out insurance?

According to the MTPL Rules, mandatory for all insurers and their clients, when drawing up an MTPL contract, companies have the right to ask to provide a car for inspection (clause 19 of the Rules). We emphasize: this is the right of the insurer, and not his obligation, because it is not the car itself that is insured, but only the responsibility of its owner.

During the inspection:

• an act is drawn up listing the identified defects;
• photographs are taken.

If an agreement has not been reached between the parties on the location of the vehicle inspection, then the insurer has no right to refuse to conclude an MTPL agreement.
The situation is completely different, for example, with CASCO (car body insurance) programs. The requirement to conduct an inspection when concluding a CASCO contract is stated both in the policy itself and in the Rules of Voluntary Insurance. The insurer can sell without inspection only express CASCO with a small amount of the insurance limit.

The place for inspection of the car when purchasing compulsory motor liability insurance is established by agreement of the parties. This could be near the insurer's office or the client's home or office. The machine is checked during daylight hours or in a well-lit room. The insurer may postpone the inspection if the car, for example, is dirty and cannot be properly examined and photographed.

In the case when compulsory motor liability insurance is purchased via the Internet, an inspection, of course, is not carried out.

How to get a duplicate of the MTPL policy

In some situations, you may need to obtain a duplicate of your MTPL policy. This may be necessary if the form is lost or damaged. To obtain a duplicate of the insurance contract, you must submit a corresponding application to the office of the insurance company where the policy was issued.

You should have with you:

• driver license;
• diagnostic card;
• passport;
• vehicle registration document.

Usually, only the driver's license and passport of the insured person are sufficient, because using these documents you can find all the necessary information in the insurance company's database. But insurance agents have the right to demand a full package of documents for data verification.

The reissued policy must have an o or “Duplicate” on it.

Do you need a compulsory motor liability insurance policy to replace your vehicle title?

When replacing a vehicle title, many car owners resort to the Gosuslugi portal, where you can fill out the corresponding request in a few minutes, without visiting the traffic police department and other government agencies. When filling out an application, it is necessary to enter information from the current MTPL policy, which raises many questions among motorists regarding the legality of such requirements.

It is not entirely clear whether an MTPL insurance policy is needed when replacing a vehicle title if, for example, the owner of the car himself may never have driven the car and may not have a driver’s license at all. Therefore, it is potentially possible that he never took out a compulsory motor liability insurance policy in his name.

Article on the topic: Payments under compulsory motor liability insurance to the culprit of an accident

Not long ago, a message appeared on the official website of the State Traffic Safety Inspectorate, which stated that the provision of data from the MTPL policy is not required when replacing a vehicle title. Therefore, when filling out an application at Gosuslugi, you can leave the field recording data on compulsory insurance empty.

Is it possible to apply for compulsory motor liability insurance in another region?

Registration of an MTPL policy in another city or region may be necessary in the following situations:

• travel or long business trip;
• moving to a new place of residence;
• presence of foreign citizens with an expiring insurance contract on the territory of the Russian Federation.

The procedure for issuing a policy is the same for all regions of the Russian Federation, so insurance companies cannot require anything new in this case. And denial of insurance in such cases is illegal.

To apply for compulsory motor liability insurance in any region, you must either go to the insurance office, presenting the agent with a standard package of documents, or issue an electronic policy via the Internet. At the same time, it is important to know that any person who actually drives the vehicle can take out car insurance, and the presence of the owner in this case is not necessary.

But it should also be taken into account that issuing a policy not at the place of registration does not mean that there should be no registration at all. Without permanent or temporary registration, it is impossible to conclude an insurance contract.

In what cases can you do without it?

The rules of many insurance companies state that the PTS is not a mandatory document that requires immediate provision when obtaining MTPL auto insurance. A vehicle passport must be provided in situations where the vehicle has not yet been registered with the traffic police. In this case, if the owner of the car does not have an STS, it is necessary to provide a vehicle passport.

Related article: Features of voluntary motor liability insurance

If the car is already registered and the owner has a registered STS, then the insurance company employees have the authority to issue compulsory insurance without providing a title (the STS acts as its full replacement).

Important! When providing car loans, some credit institutions ask new car owners to provide a vehicle title for storage while the loan is being repaid. After handing over the vehicle passport, the motorist does not physically have the document, but this does not prevent him from obtaining compulsory motor vehicle liability insurance from any Russian insurance company.

Is it possible to issue an MTPL policy in advance?

Some car owners prefer to take out a policy in advance, as this will help avoid its delay. Despite the absence of any restrictions in the law, not all insurance companies meet their clients halfway.

In any case, it is worth knowing that every car owner has the right to draw up a new MTPL agreement 30 days before the expiration of the policy. And many companies can approximately double this period on their own. Therefore, current information on early policy issuance should be clarified directly at the insurer’s office.

In addition, insurance companies offer an auto-renewal service, which is also quite convenient. In this case, the validity of the policy is extended by a month, during which it is mandatory to issue a new insurance contract.