Not all motorists know that today there are different rules for renewing an MTPL policy. Previously, car owners were given another 30 days to obtain new insurance. Today, the policy becomes invalid the very next day after the expiration of the contractual relationship described in the agreement with the insurer.
This article will discuss questions regarding how you can renew your insurance, where to go for this purpose, and how much such a service may cost.
An advantageous offer from the partners of our portal - Terem Loan! Apply for a loan in the amount of up to 30 thousand rubles for a period of up to 30 days.
100% approval!
Get money
How to renew your MTPL insurance policy?
There are rules according to which concluding a new contract and renewing an MTPL policy are completely different procedures. When signing an agreement for the issuance of insurance, we may be talking about the execution of a document for the first time, or the car is transferred into the possession or temporary use of another insurer. The new owner does not have the right to issue an extension of the MTPL policy, since we are talking about a newly concluded policy.
In general, MTPL insurance is issued for one year and at the end of this period the contract is extended by issuing a policy with the previous insurer for a new term. The renewal period for an MTPL policy is not regulated by current rules, but the insurance holder is required to apply for a document renewal no later than the expiration of the policy. When renewing the policy, the following actions are performed:
- the current coefficients are recalculated taking into account insured events that arose during previous periods, as well as the driving experience and age of the drivers;
- the premium is calculated from the tariff plans in force at the time of policy renewal;
- the client is issued a new document.
Answering the question whether it is possible to renew a car policy in advance, we can say that the client has the right to contact the insurer in advance, and the company representative, in turn, is obliged to renew the policy taking into account the validity period of the document. The extension begins to take effect from the next day after the completion of the insurance “work” . As for how many days in advance you can apply for an insurance renewal, the following options exist:
- when contacting the old policyholder, this can be done two weeks before the expiration of the old document;
- when contacting a new policyholder - a few days before the expiration of the previous policy.
It is extremely rare, but this also happens, insurance companies go to take out insurance 30 days before the end of the previous one. The document will indicate the occurrence of liability on the part of the policyholder for the “Damage” risk only after a re-inspection of the vehicle.
It should be noted that it is not possible to extend MTPL insurance for a month. It is possible to issue a policy for 15-20 days if it is necessary to transport the car or carry out the necessary maintenance. Events. The minimum period for obtaining insurance is 3 months.
Important! The Civil Code of the Russian Federation and the Federal Law “On Compulsory Motor Liability Insurance” prohibit the possibility of executing MTPL agreements with overlapping validity periods with one insurance company.
Electronic policy renewal
Today, a client can renew car insurance via the Internet. To do this, you will need to go to the insurer’s website and complete all the necessary steps. An important point is that you can renew your policy online:
- documented;
- electronic policy.
The procedure for prolonging insurance is similar to virtual registration of compulsory motor liability insurance. Today, users have access to a service that allows them to renew their MTPL policy using the previous policy number. To do this you will need to do the following:
- Log in to your personal account on the website of the insurance company (where the policy was originally received).
- Go to the “MTPL” section, and then to “Renewal”.
- Find the previous policy by series and number.
- Enter the data required to renew the document.
- Wait for information about payment for the policy to appear and transfer the required amount.
After receipt of payment, a new electronic policy will be sent to the account specified when renewing the document. Additionally, it is worth saying that you cannot renew your policy through State Services , but you can only go to the insurer’s website where the document was issued.
Is it possible to extend OSAGO in advance?
This question can be heard quite often. After all, there are often situations when, at the time of termination of the contract, the policyholder is planning a business trip, a trip, or simply wants to do everything in advance. The answer should please supporters of this position - it is possible to extend insurance in advance. And without any problems.
You can extend your compulsory motor liability insurance in advance 1-2 months (usually 1 month) before the expiration date of the policy, despite the fact that it is possible to do this not only at the place of registration, but also in any other locality of the Russian Federation in which there is a branch the SC you need.
What documents will be needed
We would like to immediately warn you against purchasing an MTPL policy from unverified and dubious companies. This area attracts many scammers who act competently enough that it is difficult to distinguish them from a real insurance company.
Let's get back to the documents. The package of necessary documents for the renewal of compulsory motor liability insurance is standard, regardless of the conditions.
You will need:
- policyholder's passport;
- driver's licenses of the owner, as well as all persons included in the insurance;
- registration certificate or vehicle registration documents;
- diagnostic card.
What is needed to renew MTPL insurance?
To extend the period of insurance use, you will need to comply with some features of the procedure, namely: perform certain actions and prepare the necessary documents. Mandatory actions must be as follows:
- The car owner will need to contact the insurance company - in person or online.
- Use the insurance policy renewal service.
- Prepare and submit the necessary documents to the insurer's representative (the list is given below).
- Pay the cost of insurance renewal.
- Get a new document.
The signing of an agreement to renew the document can only be done when the policyholder personally contacts the insurance company or his legal representative who has a notarized power of attorney. As required documents, you will need:
- Passport or other citizen's identification document.
- PTS and registration certificate for the car.
- Driver's license.
- Diagnostic card (the original is required if such a document has not been submitted previously).
It would be better to take your old policy with you to simplify and speed up the renewal procedure, although in fact this document is not required to be presented.
There are no grace days!
Some drivers believe that if their previous insurance has expired, they can drive without insurance for another month. This worked before, and during this period the insurance company was fully responsible for damages in the event of an accident. However, since 2008, this condition has been removed from the law. So you should forget about the mythical grace period and worry about extending your insurance in advance.
Of course, it happens that the driver actually forgot his MTPL policy at home, and was suddenly stopped by a traffic police officer. In this case, you risk receiving a fine of 500 rubles or getting off with a warning. The worst thing that can happen is a ban on driving a vehicle, that is, removal of license plates (Article 12.37 part 1).
From this we can only draw this conclusion. Don't want to be fined? Then draw up a compulsory motor liability insurance agreement in a timely manner, and before the trip, always check the availability of the policy.
How much does it cost to renew car insurance?
As a general rule, insurance renewal is not a reason for benefits and discounts. For this reason, the cost of renewing the insurance policy will change only taking into account the following indicators:
- current coefficients and tariffs;
- age and driving experience of the driver.
If several drivers are allowed to drive a car at once, then the maximum possible coefficient from those determined for each person is taken into account for the calculation.
How to renew OSAGO online via the Internet. Renewal rules for various insurance companies.
According to the insurance rules, the MTPL contract is concluded for one year, after which it must be renewed. In the extended contract, the insurance period is the same - twelve months. The price for OSAGO renewal in most cases is calculated taking into account a reduction factor if the driver did not have an accident in the previous year. You can choose a method that is convenient for you, which will save time and avoid fines due to lack of insurance. After successful payment processing, you will receive an electronic policy to the email specified during registration.
What to do if you are refused to renew your MTPL policy?
Sometimes, insurers refuse to renew insurance due to the fact that the necessary documents are missing, a technical inspection has not been carried out, or there is no old policy. In addition, there are demands that the representative of the insurance company does not have the right to make. In particular, we are talking about the following actions:
- there is no need to apply for insurance, since we are talking about the continuation of cooperation under the main agreement;
- the insurer is not obliged to draw up and issue notifications about road accidents or a list of representatives by region;
- in turn, the policyholder is not obliged to provide original documents necessary for concluding an insurance agreement if the insurer does not have such data.
In fact, all these requirements are unlawful and the user can obtain insurance by contacting the insurance company. When the policyholder refuses this action, the insurer has the right to go to court.
Why is it better not to travel with an expired policy?
You see, the situation is this: if in the event of an accident due to your fault, the damage is in the amount of 400,000 rubles. The insurance company will pay the victim. But the insurance company will compensate the victim only if the culprit has a non-fake, valid MTPL policy. Otherwise, the culprit himself compensates for the damage.
That is, it turns out that if you go to independently renew your MTPL policy in your car and an accident occurs through your fault and serious damage is caused to the second car, then you will compensate for such damage from your own pocket, and the damage can be either 5,000 rubles or 1,000,000 rubles . and you will be obligated to pay any amount. In general, anything can happen on the roads and you shouldn’t hope that you are an excellent driver and you haven’t had a single accident; there are situations on the road in which you can easily become the culprit. There are cases when a driver, dodging a reckless driver, avoided a collision with him, but at the same time hit 2 or 3 other cars and became the culprit in an accident, and the reckless driver successfully escaped and the person who was forced to dodge the collision provoked an accident in which he was found to be the culprit.
These are the situations I’m telling you about, there are many more examples, take for example auto scams and other scams on the roads. You need it? I think not, so it’s better to call a taxi, or go to the metro or minibus and go to the insurance company on our own. Applying for a policy takes at most 20 minutes, the journey is an hour and a half, and you can already drive a car and not worry about the fact that your compulsory motor liability insurance policy has expired.
But even if everything worked out well and you didn’t get into an accident, there is one more unpleasant moment: you may be fined by traffic police inspectors for driving without a compulsory motor liability insurance policy.
Fines for driving without an MTPL policy
Fines are divided into 2 types:
- You have a policy, but you are driving a car during a period that is not covered by the policy for using the vehicle. We have already talked about this, but I repeat, for example, as already mentioned, you enter into an MTPL agreement for 1 year, and the period of use of your policy is, for example, 3 months, and if you entered into an agreement on June 1 with a period of use for 3 months and got behind the wheel on September 2 , that is, it turns out during a period not provided for by the policy, then this is considered a violation and if it comes to the attention of the traffic police, an administrative fine of 500 rubles is imposed on you. Formally, you have a policy, because the contract is for 1 year, but unfortunately the period of use has expired and you do not have the right to drive until you extend the period of use;
- The second case is when you did not insure your liability at all, in simple words you did not insure your car, or did not purchase a compulsory motor liability insurance policy. In such a situation, if you come to the attention of traffic police officers, you will be subject to an administrative fine of 800 rubles.
And this will continue until you insure yourself or extend the period of use.
How to renew your MTPL policy for a new term?
In order to extend the term of the compulsory insurance contract (MTPL), it is necessary to conclude a new compulsory insurance contract with the same insurer, or another insurer at the request of the client.
According to paragraph 14 of the “Rules for compulsory civil liability insurance of vehicles”, the owner of a car has the right to freely choose an insurer providing compulsory insurance.
The insurance company has no right to refuse to conclude a compulsory insurance contract for the owner of the vehicle.
What documents are required to conclude an insurance contract (MTPL)?
The list of documents is not large:
- Application for concluding a compulsory insurance agreement, in the form established in accordance with the legislation of the Russian Federation;
- If the policyholder is an individual, then he will be required to provide an identification document (passport of a citizen of the Russian Federation);
- If the policyholder is a legal entity, then a certificate of state registration of the legal entity will be required;
- Document on state registration of the vehicle (PTS, registration certificate (pink laminated card), technical passport, technical coupon);
- Diagnostic card (old technical inspection).
That is, you come to the insurance company you have chosen, express your desire to conclude an MTPL contract and provide the necessary documents, then pay the amount stipulated by the contract and receive a new policy, and from that moment you can safely drive your car.
Is it possible to extend the MTPL policy without a technical inspection?
Sometimes insurers require you to bring your vehicle for inspection . This condition is not considered legal, since clause 1.7 of the Rules states that the insurer itself decides on the need for technical inspection. If the car owner does not want to drive the car, then insurance must be carried out without presenting the vehicle. By analogy, the issue is with the extension of the MTPL policy. In other words, insurance agents cannot require a mandatory inspection.
