Is it possible to register a car without insurance in 2021?

Will a car be registered without insurance?

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There is a mandatory rule for all drivers and car owners, which is regulated by Federal Law and forces them to take out insurance. This is the presence of an MTPL insurance policy. Its purpose is aimed at compensation of losses by the insurance company to the injured party in the event of an accident due to the fault of the insured. But those drivers who have just bought a car are in no hurry to take out insurance and the first thing they do is try to register the car. A counter question immediately arises: is it possible to register a car without insurance?

Why register your car?

A prerequisite after purchasing a new car from a dealership is to register the vehicle. Why register your car? State registration is an extremely important procedure for every car owner. It is necessary for the further operation of transport. Assignment of state vehicle license plates serve the following purposes:

1. Ensuring state control over the machine;
2. Preventing cases of violation of rules, as well as identifying the culprit of an accident;
3. Vehicle tracking in case of theft or other criminal purposes;
4. The ability to quickly obtain information on a vehicle.

Therefore, to the question - do you need to register a new car from the showroom, the answer is unequivocal, it is necessary, and you are given a certain amount of time for this, after which you will not be able to drive the car, or you will be subject to a fine of 5,000 rubles. The result of registration is the issuance of a state number, which acts as an identifier for your vehicle. Using the vehicle number, you can find out in which country and region the car was registered.

As for buying a used car, it is usually already registered by the old owner, and the car is sold with license plates. You don't need to receive anything, but you should carefully check the car's history and the authenticity of the documents before purchasing. Since very often scammers can pass off a stolen car as their own. Be sure to ask only for originals and check the car against its registration database.

How to register a car without inspecting it

The question of how to register a car without a car presented for inspection at a site near the MREO may arise if the owner wants to register the car in one subject of the Russian Federation, but his car is physically located in another, where the owner does not want to register it for some reason -any reasons.
The procedure for registering a vehicle is described in detail by the Administrative Regulations for the provision of this public service, approved by Order of the Ministry of Internal Affairs No. 605 of 08/07/2013. In paragraph 32 of this regulatory document it is determined that registration consists of the following procedures:

1. Acceptance of application (clause 32.1).
2. Verification of the information provided (clause 32.2).
3. Inspection of the vehicle (clause 32.3).
4. Making a decision on registration or refusal (clause 32.4).
5. Preparation and issuance of documents and license plates, entering data into automated information systems (clauses 32.5-32.8).

As it becomes clear from the regulations, at step 3, if there is no car for inspection, the procedure will stop and the matter will not come to the issuance of new documents.

However, nothing prevents you from providing the car for inspection by the same authorized employee of the State Traffic Inspectorate (MREO) in the locality where it is physically located. The result of such an inspection will be a technical inspection report drawn up on a special form of the established form (not to be confused with a diagnostic card confirming the completion of regular maintenance). The received Certificate will need to be presented when registering the vehicle with the traffic police department where the owner wants to register his car.

Note. A diagnostic card is not required if the car is less than 3 years old or has a valid diagnostic card.

For example, if you are purchasing a new car from a car dealership, then you can safely skip this step.

To undergo technical inspection, the car must be presented to a technical inspection point, i.e. We will again need the services of a driver. In this case, 2 options are possible:

• The owner travels with the driver. In this case, no additional documents are needed.
• The driver goes to the inspection point independently. In this case, you need to issue a power of attorney.

Registration rules

Regardless of where you bought the car, you can register it in any region. Most often this happens at the place of your registration, but this is not the key factor. The main rule is the need to quickly register your car if it was purchased ex-showroom. The legislation allows no more than 10 days for this. Moreover, a mandatory condition is the presence of insurance. This is why car owners so often ask the question: is it possible to register a car in the absence of an MTPL insurance policy?

Now, in more detail, is it possible to register a car if you do not have insurance? So, to register a new car, follow the instructions below:

1. First, you need to choose a traffic police department that is convenient for you and sign up for the electronic registration queue. This can be done via the Internet using the State Services website, or by personally calling the desired department;
2. If you have chosen online registration, then first register on the website, go to the traffic police services section, select the desired service and sign up for a convenient time and day. Be sure to check the box “Personal visit to the State Traffic Inspectorate”.

Remember that you can make an appointment no later than 10 days from the date of purchase of the car, otherwise a large fine will be imposed.

Before contacting the State Traffic Inspectorate, you need to collect a package of necessary documents. What does it apply to:

• owner's passport;
• vehicle passport;
• a sales contract or other document certifying your ownership;
• MTPL insurance policy;
• receipt of payment of state duty.

As you can see, it will not be possible to register a car without insurance. Therefore, before visiting the traffic police department, you need to take out insurance, where there will be no state column. numbers, and after the car is registered, you contact the insurance company again and enter the missing data, namely state signs. You can get compulsory motor insurance in a couple of hours, so immediately after purchasing a car, take care of this issue.

In addition to all the documents provided, on the spot you will need to write an application requesting that the vehicle be registered with the state and pay the state fee. You can find its details and size on the State Services portal, so as not to personally go to the traffic police to get a receipt. Its cost for new cars is 2,000 rubles or 800 rubles for re-registration (for used cars). If another person, and not the owner, applies for registration, then in addition to all the documents, he will need to have a notarized power of attorney with him. For used cars with mileage, take with you the previous vehicle registration certificate.

Required documents for registration

The composition of the package of documents may vary slightly depending on the specifics of the situation. In any case, the basis of the list will be a number of mandatory papers.

To register a car, you need the following documents:

• an application drawn up in the form;
• PTS - vehicle passport (it must be obtained at the dealership or from the previous owner of the car);
• general civil passport of the vehicle owner;
• a document confirming the right of ownership of the object (for example, a gift agreement, purchase and sale agreement, papers on entry into the right of inheritance);
• MTPL policy (even if issued electronically, it is better to print the form to avoid unnecessary delays).

All of the above documents are required to be submitted to the traffic police. So it is obvious that without insurance the registration procedure will not be possible.

To write an application

Today, more and more often, vehicle owners carry out the procedure for registering them through the State Services portal. There are many advantages to this: you can submit an application online, you can get a discount on state fees, and you can also remotely “join the queue” at the traffic police department.

An application is one of the main documents for the vehicle registration procedure, without which the object will not be registered. You can fill it out on the State Services portal, print out the established form from official traffic police sources, or fill out a form based on the sample directly at the traffic police department. To complete the document, the owner must have his passport and PTS in hand, from which the data will be taken.

Application form to the traffic police for car registration. Page 1

Application form. Page 2

Application form. Page 3

Make an appointment at the MREO traffic police department

Even remote registration of a car requires a personal visit to the State Traffic Inspectorate office in order to submit original documents. To avoid standing in line for several hours, it is worth making an appointment in advance for a specific time. An entry in the MREO of the State Traffic Safety Inspectorate when filling out an application on “State Services” is offered to the citizen automatically by the system after filling out the application. All he needs to do is choose the place that best suits its location, the date and time of the visit. You can also sign up through the nearest MFC.

Prepare other documents

Registration of a vehicle without compulsory motor liability insurance and other mandatory documents is impossible. In some cases, car owners also have to present additional certificates.

Documents that are provided at the request of the traffic police, depending on the specifics of the situation:

• power of attorney, if the application is submitted not by the owner of the property, but by a representative of his interests;
• documents for numbered units, if they were replaced;
• certificate of safety of the structure if it has been altered;
• passport of a foreign citizen, if the car is registered by a non-Russian citizen. Here you will additionally need a document about the applicant’s place of residence in Russia.

If the car is not registered for the first time and state signs have already been issued for it, then they will also have to be presented.

Pay the state fee

In addition to the costs of the insurance procedure, when registering a vehicle, the car owner also has to pay a number of state fees. The list is presented by the following payments: 350 rubles for making changes to the PTS, 500 rubles for issuing the STS in the form of a paper document (1.5 thousand rubles for a plastic card), 2 thousand rubles for issuing registration numbers. Receipts for payment of all state fees must be printed and submitted with other documents to the traffic police department.

If you submit an application online on the State Services website and pay for everything there, you can save significantly due to a guaranteed 30% discount. Payments can also be made at any bank by first printing receipts. It is also possible to pay them off using funds in electronic wallets or payment terminals installed in traffic police departments.

Get a car inspection

After issuing an insurance policy, paying all fees and checking the package of documents by a traffic police officer, a mandatory inspection of the vehicle is carried out. To do this, the object must be delivered to the observation deck, where the chassis and engine numbers will be verified with the information specified in the vehicle title. It is worth considering that if the car does not meet the acceptable technical parameters, registration may be refused. Most often this happens due to the presence of illegal tinting or inappropriate lighting fixtures. If everything is in order, the traffic police officer draws up a report that must be submitted to the appropriate window.

Get STS and license plates

When all stages have been completed and the vehicle inspection report is ready, the driver is given a registration certificate and ready-made license plates. Also, all the original documents that he submitted at the beginning of the procedure are returned to him. This part of the process usually only takes a few minutes. It is worth considering that today STS can be issued not only in paper form, but also in the form of a plastic card.

Is it possible to register a vehicle without insurance?

As you understand, you won’t be able to register a car without insurance. This is a mandatory condition that must be fulfilled first. This provision on compulsory motor liability insurance is fixed in three legislative acts at once:

1. Federal Law No. 40.
2. OSAGO rules.
3. Order of the Ministry of Internal Affairs No. 1001.

Regardless of the Regulations, you must obtain insurance and register your car within 10 days. Failure to comply with the rules will result in administrative liability.

If the owner refuses to take out a policy

As we have already said, registering a car without insurance is impossible; accordingly, it must be obtained first. What are the consequences of this decision?

1. You will not be able to register the car.
2. The absence of an MTPL insurance policy and vehicle registration is punishable by administrative liability.

Since for new cars a period of 10 days is allowed to complete all registration and registration processes, after this period the following measures will apply:

• if you are stopped by a traffic police officer and the car does not have license plates, then administrative penalties will be applied - 5,000 rubles, up to the deprivation of your driver's license (for a repeated violation);
• if you do not have insurance, you will have to pay a fine of 800 rubles, and in case of regular violation - up to 90 days of driving ban.

The number of times a traffic police officer stops you and records a violation, the number of times you will be issued a fine, even if every 100 meters. No other measures other than those described above can be applied to you, and deprivation of a driver’s license is an abuse of official authority.

If everything is in order with your documents, then you shouldn’t waste time, but immediately start taking out insurance and make an appointment to register your car with the traffic police. Availability of an MTPL insurance policy and receipt of state insurance. license plates are very strictly regulated by law and the State Traffic Inspectorate. And why all? Because having insurance and registration plates can cover harm to other road users, prevent fleeing the scene and fraudulent transactions.

Is it possible to re-register a car without insurance?

The answer to the question of how you can register a car without insurance is contained in the exhaustive list of documents required to register a car, which is given in paragraph 15 of the Administrative Regulations of the Ministry of Internal Affairs:

• Statement (clause 15.1).
• Identification document (clause 15.2).
• Power of attorney when submitting documents by an authorized person (clause 15.3).
• Documents for the vehicle (clause 15.4).
• Documents confirming ownership (clause 15.5).
• MTPL insurance policy (clause 15.6).

Clause 24 of the said regulations directly states that failure of vehicle owners to fulfill their obligation to insure civil liability is grounds for refusal of registration, therefore it will not be possible to register a car without insurance. If receiving a denial of registration is not the owner’s goal, the policy should be obtained before contacting the traffic police.

Another question that arises when buying a car: is it necessary to change the insurance when re-registering the car to a new owner (yes, it is necessary).

We suggest you read: How to remove a seizure from a car imposed by a court

“When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises.” .

In accordance with Art. 12.37 of the Code of Administrative Offenses of the Russian Federation, failure by the vehicle owner to fulfill the obligation to insure civil liability entails a fine of 800 rubles.

Is it possible to register a car without a license?

The list of documents required for vehicle registration established by paragraph 15 of the Administrative Regulations of the Ministry of Internal Affairs does not include a driver’s license. It is no coincidence that this list is called exhaustive - this means that, by definition, nothing that is not included in the list can be demanded from the owner (clause 21 of the same regulations).

Moreover, according to paragraph 4 of Order of the Ministry of Internal Affairs No. 1001 of November 24, 2008, the obligation to register a vehicle rests with its owner. But they can be minor citizens or legal entities who, in principle, will not be issued a driver’s license.

The issue of delivering a vehicle if the owner does not have a driver’s license can be resolved by involving another driver with a valid document to drive the vehicle or by using a tow truck. It is important to remember that the driver must be included in the MTPL policy as one of the persons allowed to drive the vehicle, or this policy must allow an unlimited number of persons to drive it - this will cost more than usual.

Penalties for driving a car by a driver who does not have a license are determined by Art. 12.7 Code of Administrative Offenses of the Russian Federation:

• for driving without a driving license - a fine from 5,000 to 15,000 rubles;
• for driving after deprivation of the right to drive a vehicle - a fine of 30 thousand rubles or arrest for 15 days or 100-200 hours of compulsory labor.

If unexpected legal situations arise, the participation of an experienced lawyer will help resolve them in a way that is favorable to you.

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1. A driver candidate has not yet completed his training at a driving school, but an excellent option has turned up for him to buy.

2. A wealthy person who does not have a license buys a car that will be driven by his personal driver.

We invite you to read: Traffic rules when entering and leaving the yard in 2019

3. A mother who does not have a license buys a car on credit for a child studying at a university.

4. A minor child inherits a car.

In fact, this list can be continued for quite a long time; there can be hundreds of situations. However, they are united by one common feature - the owner of the vehicle does not have a driver’s license, i.e. cannot drive the car.

In practice, this means that the owner also has rather modest knowledge of automobile legislation, because He did not attend a driving school. Let's look at registering a vehicle with the traffic police step by step:

• 1. Making a purchase.
• 2. Driving on the way home.
• 3. Passing a technical inspection.
• 4. Purchasing insurance.
• 5. Sign up for registration through State Services.
• 6. Registration with the traffic police.

The procedure for registering a car

If you are buying a new car, then registration is a must. Registration is carried out at the place of registration of the owner. You can also register a used car, or, more precisely, re-register it based on the data of the new owner. The result of the registration procedure is the receipt of state numbers and a certificate. Failure to take these actions and driving a car that has not been registered after purchase and sale will result in a heavy fine, including the deprivation of your driver’s license. To prevent this from happening, the law allocates 10 days during which you must register the car.

Any vehicle must be registered. This requirement is recorded in Order No. 139 of the Ministry of Internal Affairs of Russia, which was last amended in 2021.

What needs to be done to register a car? The most important rule is that registration is carried out only if you have a complete set of documents, which includes insurance. That is, having insurance is an integral and mandatory part when registering a car. So, what is the procedure for registering a car? There are two options here:

1. If you have a valid MTPL policy, then you need to sign up at a convenient branch of the State Traffic Inspectorate to obtain a state registration certificate. This can be done through the State Services website or by calling the specified service phone number. When registering in the electronic queue, you can independently choose the time and day you need.
2. If you do not have an MTPL policy, then you will not be able to register a car without insurance. You will first need to contact the office of the insurance company in person, draw up a compulsory insurance contract, and only after receiving the certificate and having other documents, come to the traffic police department at the appointed time. Since license plates are indicated in the insurance, after registration you will again visit the insurance company office and fill in the missing information. And all this must be done within 10 days.

Thus, having familiarized yourself in detail with the procedure for state registration of a car, it becomes clear that the presence of an MTPL insurance policy is an integral document. Without it, you will not be able to register a vehicle. Therefore, if you do not have insurance, then first of all you visit the office of the insurance company, pre-insure yourself, and only then go to the State Traffic Inspectorate.