Features of registration and renewal of compulsory motor liability insurance without the owner of the car

How to fill out an application

The policy form can include data from both the owner of the vehicle and the person who carries out the insurance. This indicates that the procedure for preparing the documentation in question can be handled by the owner or citizen who has the information necessary to implement this procedure. Legislative acts developed at the federal level establish the possibility of forming an insurance act by a person who is not vested with ownership rights in relation to a vehicle.

In the Russian Federation and the Republic of Belarus, regulations have been developed, they say that it is allowed to draw up an act when using the online mode. You will need to fill out a specially designed form and wait for the system to generate a report and send it to the email address specified in the application. In such a situation, it is important to understand that the paper can be drawn up only if the owner has previously signed a power of attorney.

ATTENTION !!! This document is in a simple format. It is stipulated that contacting a notary in this case is not necessary. The main thing is that the document bears the signature of the owner of the car.

Then the insured is the person who reflects the information in the act in question. Next, he has the opportunity to indicate persons who will be able to drive the car or change the periods for using the car, and make requests for a copy of the lost policy. Statutory provisions provide that the issuer of insurance is not always the person with the legal title.

This factor influences the fact that the document form itself provides two separate fields where the data of the parties to the insurance agreement is entered.

Insurance payments: who will receive compensation

A participant in an accident for whom insurance is issued can receive the maximum payment under compulsory motor liability insurance. The presence of this policy guarantees that in case of any accident or repair, the injured person will receive partial or full compensation for losses. According to the law, only the person injured in an accident can claim financial compensation. In this case, it does not matter whether he has an MTPL policy. But it is very important that the “hero of the occasion” has an insurance document. And here the question “Is he the owner of the vehicle?” doesn't rise.

Documentation for insurance formation

In order to complete the paper in question, you will need to collect a package of documentation and send it to the authorized organization.

These include:

• driver's license;
• a copy of the act by which the identity of the citizen - the owner of the vehicle is verified;
• vehicle passport;
• paper confirming the registration of the car;
• previously valid act;
• power of attorney.

Based on the above provisions, we can conclude that the procedure for obtaining insurance can be initiated by someone who does not have ownership rights.

IMPORTANT !!! However, it is important to note that in the event of an insurance situation, only the owner of the vehicle has the right to receive compensation.

If this person does not have the opportunity to receive funds, the policyholder does this. In this situation, you will need to provide a power of attorney.

It is important that this act must be presented to a notary officer for the purpose of certification.

How to get insurance without an owner

The standard procedure is well known to all car owners: an application for insurance is written at the insurance company office, to which is attached a passport, documents for the car (certificate and PTS), a driver’s license and a diagnostic card. How is the registration procedure different if the insured is not the owner?

1. The presence of the vehicle owner is desirable. To obtain insurance, both he and the policyholder must provide their passports. Insurance companies also accept a copy of the owner’s passport, without requiring his presence, especially if they are convinced that in the previous OSAGO policy this policyholder was in the same status and the matter concerned the same car.
2. A driver's license is provided to everyone who will be allowed to drive.
3. A power of attorney from the owner to drive the vehicle (in handwritten form or with notarization) is provided if available. If it is not there, the insurer does not have the right to refuse to issue an MTPL policy, since the driver cannot be deprived of the right and obligation to insure his motor third party liability. It is needed only to determine the range of powers that the owner gives to the trustee. For example, allow you to drive, allow registration, registration of a policy, or even sale of a car.
4. The cost of insurance will be calculated in a standard manner without any additional payments not provided for by law, that is, taking into account the experience and age of persons admitted to driving. By the way, it is absolutely not necessary to include the policyholder or owner in this list (there are no rules obliging this in the law).

It’s even easier to apply for compulsory motor liability insurance without the car owner via the Internet - you just need to have all the necessary papers in front of you to fill out the form on the insurance company’s website and pay for the insurance.

The procedure for registering compulsory motor liability insurance for a legal entity is somewhat different. Any employee of the company can freely obtain insurance, having the order of the manager in hand. In this case, the policy will be mandatory to be issued with an unlimited number of persons allowed to manage it.

Registration procedure

A citizen who owns a car and the person driving it are sometimes located in different areas and do not intersect. Then, when drawing up an insurance act, the citizen will need to enter certain information on the form. In particular, the surname and initials of the owner, as well as information about those who can use the vehicle. Such indicators are taken into account by employees of authorized companies to calculate the amount of insurance.

The number of citizens who then have the right to drive a car affects the price under the contract. The legislator indicates that the registration procedure can take place in the absence of the owner of the rights. You can do everything yourself, without asking the owner to come to the branch of the insurance company. The citizen will need to present a power of attorney, enter data in the form and pay the insurance amount. If the insurer refuses to issue an insurance policy to such a person, it is important to understand that this is a violation of legal rights.

In such a situation, you need to turn to the above legislative act to protect your rights.

Insurance and property sales

The owner will need to start collecting all the documentation. This also applies to a document confirming the existence of an insurance contract. It is important to understand that the new owner does not have the opportunity to use the deed received by the previous owner. It is taken into account that by the time the vehicle is sold, the period of paper use has not ended. The new owner will need to draw up a new paper, and it begins to be valid from the date of registration.

This requirement indicates that a citizen must, when registering in his own name, re-register all papers, including STS. Otherwise, if an insurance situation arises, the person will not be able to process payments related to damage to property.

Who has the right to renew

When a citizen does not have property, he can drive while the power of attorney is valid. However, the presence of an act despite the situation is considered as a prerequisite. The maximum period for which insurance is provided can be only 12 months. The renewal can then be handled by the person who actually uses the car. The personal presence of the owner is not required. This means that even in the absence of legal rights to own a car, a person is given the opportunity to obtain an insurance policy. This needs to be done every year.

This action can be implemented more than once, that is, the extension of the contract is not limited in quantity.

Can a non-owner insure a car?

Yes. And here we can talk about two situations:

1. instead of the owner of the car and in his name, another person purchases the policy (MTPL insurance is issued specifically to the owner),
2. The MTPL policy is purchased by this other person and taken out in his name.

Let's consider these 2 situations in more detail!

Is it possible to purchase a policy for a non-owner of a car, issued in the name of the owner?

Can. But for this, you, if you are another person, will need a power of attorney, and without its notarization, the sale of insurance may be legally refused to you, since no one has the right to certify the issued power of attorney.

But in practice, insurance companies most often meet such clients halfway, because otherwise you will go to another company where they will not refuse you.

You will need the following documents:

• a power of attorney for the right to conclude an insurance contract under compulsory motor liability insurance from the owner is required, it is highly desirable that it be notarized,
• Owner's passport is highly desirable,
• your passport is required,
• a vehicle registration certificate is required,
• if compulsory motor liability insurance is issued for a limited number of persons, then the driver’s licenses of all those who will be included are required,
• if compulsory motor liability insurance is without restrictions, then the driver’s license of the owner of the car can replace his passport (but not officially),
• A valid diagnostic card is required.

But there is an even simpler way.

Purchasing compulsory motor liability insurance by someone other than the owner of the car and taking out the policy for yourself

The 2021 legislation allows you to insure a car to someone other than the owner of the car. We are talking about Federal Law 40-FZ On Compulsory Motor Liability Insurance, which distinguishes 2 concepts:

• the owner of the car is the one who actually owns the vehicle (who is entered as the owner in the STS),
• The policyholder is the person who enters into the insurance contract, and it does not have to be the same as the owner.

Here's what Article 1 of Federal Law 40 says:

The owner of a vehicle is the owner of a vehicle, as well as a person who owns a vehicle with the right of economic management or the right of operational management or on another legal basis (lease right, power of attorney for the right to drive a vehicle, order of the relevant authority to transfer the vehicle to this person, etc. similar).

Policyholder is a person who has entered into a compulsory insurance agreement with the insurer.

By law, any person can be an insured, but compulsory motor liability insurance will be issued to the owner. That is, the real owner of the car will appear in the policy as the owner in any case.

Thus, the opportunity to be an insured gives the right to apply for compulsory motor liability insurance for a specific car to any person with documents for the car.

As for documents, in this case the policyholder will not need any powers of attorney. You will need a standard package of documents:

• Passport or owner's license required,
• your passport (of the policyholder) is required,
• a vehicle registration certificate is required,
• if compulsory motor liability insurance is issued for a limited number of persons, then the driver’s licenses of all those who will be included are required,
• if compulsory motor liability insurance is without restrictions, then the driver’s license of the owner of the car can replace his passport (but not officially),
• A valid diagnostic card is required.

If you issue an electronic MTPL policy, you will only need data from all the listed documents.

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.

How to choose an insurer

To apply for an insurance policy, you only need to contact an organization that has a positive rating and has proven itself to be reliable. You need to pay attention to what rate will be applied. This value is dictated by the federal legislator and companies do not have the authority to change them.

In addition, it is important to find out about the size of the company’s authorized capital and the presence of branches in other entities. Based on the above, we can come to the conclusion that a citizen who is not vested with property rights can take out car insurance. This can be done using a power of attorney. It is not necessary to have such a document certified by a notary.

The cost of compulsory motor liability insurance purchased by someone other than the owner of the vehicle

It is clear that situations when a person wants to take out insurance not for the owner of the car occur quite often. But the interesting thing is, does the fact of who insures compulsory motor third party liability insurance affect its cost? Everyone knows that the policy is issued not for the insured’s car, but for his responsibility as a driver.

This means its cost will entirely depend on the driver’s parameters (his experience, age, bonus coefficient, registration, etc.). Consequently, the absence of the fact of owning a vehicle cannot affect the value of the “car title”.