Minimum MTPL insurance period

Minimum periods for which compulsory motor liability insurance can be issued

In accordance with the law, the minimum period for compulsory motor liability insurance is three months . The car owner has access to insurance with the condition of limited use of the car. That is, the policy is issued for a year, but the driver uses the car during clearly specified time periods.

1 month

There is an exception that allows you to conclude a policy for a period of 20 days. This option is called transit, and it is available only to the following categories of drivers:

• Those who have to drive a car to the place of its final registration without documentation. This situation is possible if the car was purchased, received as a gift or inheritance in another region.
• For those who go by car for a technical inspection, in particular, a repeat one.

IMPORTANT! These cases are stipulated in the MTPL Law. In other cases, obtaining insurance for such a short period of time is not available to drivers.

The price of a transit policy is determined by the category of the car, region, engine power, as well as the age and experience of the drivers.

The policy can be issued to any person, regardless of whether he or she owns the car. It is issued for a year, although in fact the duration of the insurance is only 20 days.

You cannot drive a car without compulsory motor liability insurance - this could result in a fine or the car being placed in a penalty area. Both transit and regular policies are valid exclusively in Russia. If a driver is driving a car from abroad, he additionally needs a “Green Card” - an insurance policy that is valid in other countries.

3 months

Since 2008, drivers have had access to insurance called seasonal insurance. It involves limited use of the car. A seasonal policy is essentially the same as a standard one, but its validity period is indicated in the upper right part. The documents needed to purchase it are the same, but the price is different.

The cost of MTPL for 3 months will be 50% of the annual insurance. Purchasing such insurance is justified if the driver uses the car only at a specific time of the year.

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6 months

Registration of compulsory motor liability insurance for six months is also an option for seasonal insurance. The amount of the insurance premium is determined using a coefficient of 0.7. Thus, to find out how much such a policy will cost, you need to multiply the annual price of a car insurance policy by 0.7. The monthly rate in this case will be more expensive than when purchasing annual insurance.

However, the overall price you'll pay for insurance will be lower, so if you plan to use your car outside of the year, you may want to consider this option.

Insurance for six months is mainly chosen by legal entities - large enterprises working with special equipment. There is not always a need to use it throughout the year, so the law allows you to issue policies for them as needed.

Validity of the contract and insurance policy period (VIDEO)

If your insurance expires

What happens if the insurance documentation is expired? The driver risks paying a fine if he continues to drive on motorways as before. But it is still worth remembering the following exceptions:

1. You can drive another day after the end of your policy to renew your insurance.
2. You can drive if you ordered a new one.
3. In order not to run into fines, they show a special document to traffic police officers. He confirms that the car owner will soon receive a new policy.

If a driver has an expired MTPL, he has not taken care of updating it and drives a car to work, home, kindergarten, etc., he can be stopped by traffic police officers at any time. against him and he will be punished for driving without a policy by paying a fine . This penalty is imposed for late execution of the contract. You can avoid punishment by contacting the insurer by telephone or ordering its production via the Internet.

On April 3, 2002, the Federal Law “On Compulsory Motor Liability Insurance” was adopted. A week later, the Federation Council approved its adoption. Everything related to the validity period of the compulsory insurance contract is reflected in Art. 10.

The MTPL policy is obtained annually. In some cases it is valid for less than a year. After a year has passed, it is extended for another year unless the driver notifies the insurer of his cancellation two months before the expiration of the contract. After that, he can come to the insurance company any day and get new insurance. If he does not come for him on the due day, the insurer will not change the price of the policy, calculated taking into account the current tariffs, benefits and concessions for the driver, for another thirty days.

Who can take out a policy for a short period

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Any car owner can take out an MTPL policy for a period of 3 months or more. This insurance feature is usually used by the following categories of drivers:

• Car owners planning to sell a vehicle.
• Citizens who often travel abroad or are on business trips.
• Car owners engaged in seasonal gardening and other drivers who use the car only for a certain period of time.

A three-month policy is available only to individuals. Legal entities must enter into an insurance contract for a period of at least 6 months.

A transit policy is issued only in certain cases: when driving a car without documents and in a situation where the driver is sent for a technical inspection.

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Use the convenient OSAGO selection form. There is no need to go anywhere! Everything can be done from a computer or your smartphone.

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Terms of MTPL insurance

One of the common mistakes of many motorists is the opinion that compulsory motor liability insurance can be issued for any period. This is partly true; the period for obtaining insurance has several options.

In fact, the period for concluding an MTPL agreement is one year (based on Federal Law No. 40, Part 1, Article 10), and only in some cases insurance can be issued for 20 days.

In the legislation of 2021, the concepts of “insurance period” and “period of vehicle use” are very different.

Thus, a driver can purchase MTPL insurance in two ways:

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1. MTPL policy for 1 year. This type of insurance is suitable for registering your car with the traffic police.
2. MTPL policy for 20 days. Such insurance is suitable only for getting to the place of registration or technical inspection of the car after purchasing the vehicle. With such a policy, it will not be possible to register a car with the traffic police. Accordingly, after purchasing this option of compulsory motor liability insurance, it is necessary to purchase a full policy.

There is no point in wasting time purchasing a twenty-day MTPL policy. It is much easier to purchase MTPL insurance for one year.

What documents are needed

The procedure for drawing up an agreement for a shorter period is not particularly different from the usual one. The only difference is the deadline and tariff. To purchase a policy, you need to present the following documents to the insurance company:

• identification document;
• digital code that needs to be obtained from the State Tax Inspectorate;
• driver's license (one or more drivers depending on the type of policy);
• title document for the car;
• application for a policy in accordance with the established form.

In the application, the client himself must indicate during what period he plans to use the car. The policyholder does not control this point - the owner himself must monitor the deadlines, since responsibility for non-compliance will also be with him. This is an important point, since inattention can cost the driver dearly - even a couple of overdue hours plays a role in the calculations.

For legal entities, the package of documents will be slightly different. It is supplemented by the following documents:

• power of attorney giving the opportunity to represent the interests of the company (requires a notary office);
• a document confirming the state registration of a legal entity;
• vehicle diagnostic card.

You will also need an original seal to certify the documentation.

You can apply for insurance either by visiting the insurance company office in person or via the Internet.

Deadlines

The law established in the Russian Federation obliges car owners, from the moment of completing a technical inspection, to enter into a contract of compulsory motor third-party liability insurance.

Each category of car has its own type of insurance with established deadlines. Individuals and legal entities have their own characteristics and differences.

For individuals

In 2015, private car owners whose cars are registered outside of Russia must issue a policy within five to fifteen days.

If a car owner goes to the place of re-registration or to obtain a technical inspection report, then the law allows the conclusion of a car insurance contract for fifteen to twenty days. In other cases, the insurance policy is issued for a period of one year with the condition that the technical inspection is not overdue.

The minimum period of car insurance in 2015, despite various changes in legislation, is one year.

The car owner can choose the term of his policy, but at the same time, if he chooses insurance for only a few months, he will overpay significantly more later.

When a car owner will use his car for only a few months a year, when concluding a policy, he can indicate during which periods he will use the vehicle.

For legal entities

Not only individuals, but also persons with legal status must have an MTPL policy. The validity time limits that are established by the generally recognized state MTPL insurance are very small, so in order to insure themselves, anyone can take out an additional policy.

For legal entities, as well as for private ones, it is necessary to have a valid technical inspection to issue an insurance policy. Companies that have a large fleet of vehicles must issue a policy for each vehicle separately.

This is natural, since in the event of an emergency, liability under the law is borne by the car and its driver who were found to be at fault, and not by the organization as a whole. In addition, according to the law, insurance coverage depends on the place of registration of the car.

For legal entities, the legislation provides for the following terms for obtaining car insurance:

• up to fifteen days and above;
• from six months;
• year.

If the owner of the car uses it temporarily and, moreover, the vehicle is registered outside of Russia, then he must enter into a mandatory car insurance contract. For such cases, a policy is issued for a period of at least fifteen days.

For ordinary cars that are assigned to a legal entity, the validity period of the standard OSAGO policy is set for a year.

But for specialized equipment intended for agriculture, involved in construction, installation and other work, the minimum period has been reduced to six months.

Pros and cons of MTPL for 1, 3 and 6 months

When deciding to take out a policy for a minimum period, the car owner focuses on his needs and life circumstances. If you are planning a long trip or selling a car in the near future, this is an ideal option that will allow you to save money. This is also the best choice for individuals and legal entities who do not use a vehicle throughout the year - there is no point in overpaying for the time when the car is not used for its intended purpose.

You can pay attention to such a function as extending the insurance policy. It will resolve the issue with minimal losses and save your budget.

If we talk about the disadvantages of taking out such insurance, then this is its cost. Compared to an annual policy, it costs more if you count it on a monthly basis. But the total cost will still be less. Another point is the need to control the validity of the insurance, and this responsibility rests with the car owner. Missing deadlines can seriously hit your wallet.

To what extent is the minimum insurance not profitable in comparison with standard MTPL?

If the driver has reasons for purchasing minimum insurance, for example, he uses the car only in the summer, spring or at other times of the year, this decision can really help him save, because the total cost of the policy will be less than when purchasing an annual compulsory motor liability insurance.

But if we compare the minimum insurance with the standard one, taking into account the fact that the owner needs the policy throughout the year, then it is better to immediately buy a policy for a year. Short-term insurance is significantly more expensive. Special coefficients are used to calculate costs. When purchasing a policy for 3 months, its cost will be 50% of the full price of the policy, for six months - 70%. And purchasing compulsory motor liability insurance for 10 and 11 months will cost the same as standard insurance. Thus, minimum insurance is more expensive and only makes sense in certain cases. If we are not talking about them, it is better to stay with the standard version.

Thus, the law allows you to issue compulsory motor liability insurance for a shorter period than standard insurance provides. But this doesn’t always make sense. Often drivers, wanting to save money, on the contrary, overpay a significant amount. Therefore, it is better to first evaluate which option is more appropriate. It is also important to remember that monitoring the validity of the policy is the responsibility of the driver.

Special conditions

If an individual is not a citizen of the Russian Federation, then special periods of minimum car insurance are established for him. If the vehicle is not registered in the country, the shortest duration of the policy can be 5 days. The maximum period in this case is 15 days.

For vehicles going for registration or technical inspection, a minimum registration of compulsory motor liability insurance is required for 20 calendar days. The duration of the policy when registering a car with the traffic police is chosen directly by its owner. Let us remind you that for individuals it is from 3 months, for legal entities – from six months.

The cost of compulsory motor liability insurance depending on the validity period

When taking out compulsory car insurance in Russia, the following reduction factors apply:

• 3 months – 0.5;
• 4 months – 0.6;
• 5 months – 0.65;
• six months – 0.7;
• 7 months – 0.8;
• 8 months – 0.9;
• 9 months – 0.95.

When purchasing compulsory motor liability insurance for 10 or 11 months, its cost will be identical to the price of an annual policy, so in practice these periods are practically not used by car owners. The amount paid for compulsory car insurance does not change during its validity period.

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Catalog of insurance companies in Russia

By following the link , you can familiarize yourself with the catalog of insurance companies in the Russian Federation offering compulsory motor vehicle insurance services. Description of organizations, current financial indicators, ratings, reviews and other information. If you have already had a positive or negative experience with compulsory motor liability insurance of any insurance company, leave your feedback. Thank you!

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When should you renew?

How many days before the expiration of the MTPL policy can I issue a new one? 30 days before the expiration of the MTPL policy, the driver has the right to contact the insurance company.

During the visit, he must have documents from the list below to submit:

• Previous policy.
• The vehicle owner’s passport, as well as the driver’s licenses of all drivers to whom he has granted the right to drive a vehicle.
• Vehicle inspection coupon (will they give you insurance without a coupon?).
• PTS.
• Car registration certificate.
• Power of attorney from the owner if insurance issues are resolved by another person.
• A statement expressing the desire to extend the compulsory motor liability insurance policy.

All documents from the list will be useful when applying to the insurance company for a new policy. But this design method is not the only one. In the summer of 2015, a new service began to be provided to car owners in Russia - electronic issuance of an MTPL policy. Now you can apply for it via the Internet by entering the necessary information in the appropriate fields (how to renew insurance online?). As a result, they print out the electronic policy and carry it in the glove compartment or in a bag with other documents for the vehicle.

Now you know how long before the end of compulsory motor liability insurance you can issue a new policy. You can read more about when and how to renew your insurance in this article.