Is it possible to insure a car without an owner?
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Very often it is not the owner who is driving the car. For example, the car may be used by another family member or colleague for work purposes. But, nevertheless, the driver is not exempt from compulsory MTPL insurance. Here the question arises - who should insure the car - the real driver or the owner, and also whether it is possible to get insurance without actually the owner of the vehicle and what documents will be needed for this?
Procedure for obtaining insurance
OSAGO is mandatory for driving a car or any other vehicle whose speed exceeds 50 km/h. At the same time, it is very important to understand that insurance is issued not for the car, but for the driver, since the meaning of compulsory motor liability insurance is to insure liability to third parties during road traffic. Moreover, as you understand, the owner and the driver can be completely different people.
Accordingly, if we look at the procedure for obtaining insurance, then the auto liability policyholder, and therefore the driver, must receive the policy. Don't confuse this definition:
- owner is the one who is the legal owner of the vehicle;
- a driver is someone who is behind the wheel constantly or periodically and controls the vehicle;
- The policyholder is the one who is driving the car and wants to insure himself against losses associated with an accident in relation to the victims.
In practice, it may be that the owner of the vehicle will not have insurance, but a regular user will have it, while the owner must still be entered in a separate column, and who is the insured does not matter. The only thing this can affect is the final cost of the MTPL policy. Because whoever is the driver depends on his driving experience, age and the presence of accidents in the past period, which will directly affect the price of insurance, because this is directly related to the risks of an accident.
Is it possible to insure a car without the presence of the owner?
Each vehicle must be used only with an insurance contract. This requirement is contained in Article 4 of the Law “On Compulsory Motor Liability Insurance”. The driver is required to have a compulsory motor liability insurance policy in which his data is entered.
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The owner, or any other person who presents documents for the car and a power of attorney issued by the owner of the vehicle, can insure a car without an owner. There is no requirement to have it notarized.
Do not confuse the power of attorney for issuing an insurance policy and the right to drive a vehicle. These are two different documents.
In accordance with the Law on Compulsory Motor Liability Insurance, Article 1, Paragraph 3; para. 8, and the MTPL Rules (Chapter 1, Clause 1), a person who does not have ownership rights to a car can take out a policy for it.
As for CASCO: only the owner of the car or a person who has a power of attorney to drive this vehicle can purchase it.
The Insurance Rules (Chapter 1, Clause 5) say that the insurer does not have the right to refuse to conclude a compulsory motor liability insurance contract for the owner of the vehicle or another person who has a power of attorney. It is enough to come with her to the office of the insurance company, submit the appropriate application and all the necessary documents.
The policyholder is the one who buys the policy. The same person can, if necessary, make changes and additions to it:
- register new drivers;
- change expiration dates;
- request a duplicate.
The legislation provides that the owner of the vehicle can be one person, the policyholder - another, and the driver of the car - a third. The owner and the policyholder can be different people; therefore, two separate lines are allocated for them in the form.
Is it possible to insure a car without the owner?
As we have already found out, any driver should have an MTPL policy, even if he does not own a personal car. Now it remains to figure out whether it is possible to contact the insurance company to obtain insurance only for the driver, without the owner of the car? In order for the answer to be as accurate and reliable as possible, it is necessary to refer to the legislative framework. Federal Law No. 40 “On Compulsory Insurance...” states that anyone who has all the necessary rights and documents can take out insurance, even if they do not own a vehicle. Thus, the policyholder and the owner may be different persons, and one without the other can receive insurance.
If in practice a situation arises where the driver and owner of the vehicle are different people, then each of them is still included in the MTPL policy, but in separate columns where their status and the extent of the insurance coverage are determined.
But it's not that simple. As in any non-standard situations, there are exceptions:
- Firstly, the policyholder must have a power of attorney, which confirms the consent of the car owner to include the policyholder in the MTPL policy. Moreover, it is not necessary to provide a notarized power of attorney, but it is advisable. If there is none, then simply the signature of the owner of the car to carry out such actions is sufficient.
- Secondly, if the owner of the car is not included in the circle of drivers of this vehicle, then insurance does not apply to him. He must either obtain insurance in his name or be listed in the "Limited Access" column.
The peculiarities include the fact that only the policyholder, and not the owner, can make changes to the MTPL insurance contract. And if the owner of the car is not included in the policy as a person who can drive it, then in the event of an insured event - an accident, he cannot count on compensation for the damage caused. The only thing he will win is the restoration of the car, and only on the condition that the driver who was driving his car is not the culprit of the accident, but the injured party.
Registration of a car title without the owner of the car
Many people are interested in how you can insure a car without an owner? It is necessary to issue a power of attorney authorizing such actions. A executed power of attorney does not require notarization. The person for whom the policy is issued can independently make decisions regarding the car insurance policy.
Helpful information! Power of attorney comes in different forms. When registering it, the car owner must provide for the variability of insurance applicants, indicating the people who have the opportunity to receive insurance payments. Then you will need to have the power of attorney certified by a notary.
Algorithm of actions when applying for car insurance without the presence of the owner:
- Collect documentation.
- Visit the IC office.
- Fill out an application on the insurer's company sheet, indicating your intention to buy compulsory motor liability insurance (sample).
- Pay for insurance protection.
- Bring a receipt, get insurance.
- Carry out an audit of all documents: original vehicle license, receipt, accident notice.
Related article: Features of MTPL insurance rules in 2021
Important documents
Registration of compulsory motor liability insurance not in the name of the owner of the car, in addition to the owner’s power of attorney, will require the following documents:
- previous MTPL policy (if there was one);
- Russian Federation passport of the policyholder;
- passport details of the vehicle owner (if the policyholder is not the owner);
- STS (vehicle registration certificate) or PTS (vehicle passport);
- driver's licenses of people authorized to drive vehicles;
- diagnostic card or maintenance ticket.
You can issue an MTPL policy without the participation of the owner of the car: to do this, you need to present the driver's license for the person who is entrusted with the driver's seat.
Important note! If you want to insure a car under compulsory motor liability insurance by an organization, you should know that insurance coverage covers all company employees who, due to their job duties, can use the vehicle.
Any employee can enter into an MTPL agreement: it doesn’t matter who exactly owns the car. It is necessary to provide the insurer with a power of attorney from the owner, or a corresponding order.
OSAGO online without the participation of the car owner
Insurers offer to issue an electronic policy: it is issued by a citizen who does not have the status of car owner. To do this, the insured driver enters his passport information, as well as the information specified in the owner’s passport.
Important note! You should carry out “online” vehicle insurance only by going to the official website of the insurer that issued the previous insurance coverage: all the necessary information is stored in the insurance company database.
The legislation gives an affirmative answer to the question: “Can a non-owner apply for compulsory motor liability insurance?” To apply for insurance coverage online in the absence of the owner of the car, you need to:
- Go to your insurance company's website.
- Select the “Electronic OSAGO” option.
- Activate the “Buy” button. If the user is a beginner, you will have to register.
- Fill out an online application, indicating the details of the owner, as well as all drivers of the vehicle.
- The entered information is checked by the RSA database in no more than 2 minutes: upon completion of the check, the final cost is determined. Money is paid directly on the website using a plastic card.
- Upon completion of the transfer, when the amount is paid, the E-OSAGO policy, as well as the accompanying documentary package, is sent by e-mail.
Article on the topic: Features of compulsory motor liability insurance for taxis, how to issue a policy, insurance price
Is it permissible to obtain insurance coverage in another territorial location?
Car enthusiasts are wondering: is it possible to get insurance in another region? Any motorist can apply for insurance coverage without the owner of the car, while staying in a different territorial location.
Which insurance company to choose for obtaining a motor vehicle license?
Car enthusiasts are interested in: is it possible to obtain compulsory insurance from any insurer you like?
The law allows the new owner of the car to do this with any insurer, and it does not matter where exactly the insurance agreement was signed by the owner of the property rights to the vehicle. The car insurance policy is influenced not by the fact who owns the car, but by who is its policyholder.
You can apply for compulsory motor liability insurance at any insurance company. If you have difficulty making a choice, our editors can recommend the following insurance companies:
- Tinkoff Insurance has been considered one of the best insurance companies for 3 years in a row. Online registration is fast and convenient. You can apply for a policy on the official website;
- VSK is a reliable company. Previously, we were insured with VSK. The insurance was paid in full according to the contract. We can confidently recommend them. Registration also takes place on the official website.
Insurance cost
At the beginning of each new calendar year, the law establishes a basic tariff for the entire subsequent year: the upper/lower limits of the price scale for each car are taken into account. The calculation of compulsory motor liability insurance is based on the following coefficients, taking into account the formula:
The only discount that a person can count on receiving when taking out compulsory insurance is the discount for accident-free driving (ACD). It varies depending on the presence/absence of an accident during previous driving.
Video: How to calculate the cost of compulsory motor liability insurance?
Receipt times
A new car must be insured: ten days are allotted for this. The countdown starts from the date of purchase of the vehicle (new or used).
When you issue an MTPL policy at the company's office, the policy is issued and comes into force on the same day. When you apply for E-MTPL, insurance arrives by mail immediately after payment, but becomes effective after 3 days.
Article on the topic: Actions in case of loss of the MTPL policy and how to restore it
How to get insurance
Now it is possible to obtain car insurance in one of the ways convenient for you: using the Internet or personally contacting a branch of the insurance company.
Online
The online method is becoming increasingly popular due to its remote processing. Not everyone can come to the company’s office in person, but submitting an application via the Internet or renewing an existing MTPL policy allows you to solve this problem. How to get insurance online:
- Decide on the servicing insurance company.
- Visit her official website.
- Go to the “MTPL” menu and select “Online receipt of insurance”.
- First, a standard form will open for you to fill out, where you will enter your data (the driver), the details of the car and its owner.
- Then click “Calculate” and get the cost of registration. If you are satisfied with it, then submit your application for consideration.
- In a few minutes, the application will be approved, and the electronic policy will be sent to your email. All you have to do is print it out.
Applying for insurance online is very convenient and saves a lot of time. At the same time, the electronic OSAGO policy is no different from the paper one.
When visiting an insurance company
The usual option is to contact the insurance company office in person. The owner does not have to be present, but his information will be needed. To immediately issue a policy, collect the necessary package of documents, including for the car. The registration itself takes no more than an hour, you make the payment and receive an MTPL certificate. The advantage of applying in person is the opportunity to receive detailed advice and eliminate errors when filling out online.
To whom is it registered: the owner or the driver?
often happens that the owner and driver of a car are different persons . It is also possible that the owner of the car does not even have a license to drive the vehicle. Who should take out insurance for then?
The MTPL policy does not have to be issued to the owner of the car. The document itself has 2 fields to fill out: the owner of the vehicle and the policyholder. This indicates the possibility of drawing up an agreement with an insurance company by a person who is not the owner of the car.
The main nuance that must be taken into account when taking out a policy not for the owner of the car is that the policyholder must have a driver’s license and be included in the insurance . At the same time, it is not necessary to include the owner himself in the insurance as a driver.
What is needed to take out a policy without an owner
Is it possible to get a car insurance policy without its owner? According to the legislative decree of Federal Law No. 40, this can be done, but the question remains, are his documents and a power of attorney necessary? So, before contacting the insurance company, read the required package of documents:
- policyholder's passport;
- passport of the car owner (if possible, original or then a copy);
- driver's license (for everyone who will drive vehicles);
- car registration certificate;
- car passport;
- diagnostic card, if the car is more than 3 years old;
- power of attorney.
If you have collected the entire package of necessary documents, the insurance company does not have the right to refuse to issue you insurance, even in the absence of the owner in whose name the car is registered. If such a situation arises, refer to the provisions of Federal Law No. 40.
Thus, you can take out an insurance policy for a car without its owner; you just need to collect a simple package of documents and obtain his written permission. However, you must understand that in the event of an insured event and the need to receive payments, the personal presence of the vehicle owner will be required. Otherwise, such actions can only be carried out on the basis of a notarized power of attorney, which allows one to dispose of his property or conduct financial transactions.
Insurance and car sales
In a situation where a citizen has decided to sell a car, but the insurance policy period has not expired, it is important to understand that it will be possible to return part of the cost under the agreement. This rule is spelled out in the law that applies to car insurance.
The law specifies several grounds for the return of funds, including:
- sale of a vehicle;
- car theft;
- termination of activity by the insurer.
IMPORTANT !!! To receive money, you need to contact the insurance company where the paper was purchased. When opening a branch of the Investigative Committee, you need to fill out an application. A certain package of documentation is attached to it.
Including these:
- sales agreement;
- a document by which the identity of a citizen is verified;
- insurance;
- bank account for transfer.
This process most often does not cause difficulties. Disputes may arise regarding how much money the insurer should return.
Who can perform the procedure other than the owner?
In addition to the car owner, any person can take out a compulsory insurance policy. This could be a relative, friend, acquaintance. The main thing is that the policyholder has a license to drive a vehicle.
Is it possible for a proxy?
Not only the owner, but also any citizen who has a driver’s license can take out an insurance policy . However, if insurance is taken out without the presence of the car owner, a power of attorney in the name of the policyholder will be required.
Reference! A power of attorney for car insurance is issued on behalf of the owner, and it is not necessary to notarize the document.
If changes need to be made to the insurance policy, for example, to include drivers who have the right to drive a given car, or vice versa, to introduce restrictions on driving, the owner will not be able to do this without the person for whom the policy is issued.
Another point that you should pay attention to: if an accident occurs, it is the owner of the car who will receive money from the insurance company, and not the person for whom the insurance is issued. If the car owner does not want payments from the insurance company to be made in his name, he must write a power of attorney. This document gives the right to :
- Vehicle management.
- Selling a car.
- Actions for deregistration and registration.
- Receiving payments from the insurance company in case of an accident.
If a power of attorney does not have to be certified by a notary to draw up a policy, then in order to transfer the authority to manage payments from the insurance company, a notarized document is required.
