Re-registration of a car without an MTPL insurance policy

When re-registering a vehicle, a number of procedural issues arise related to the change of owner. Drivers are often interested in whether there is a need for adjustments to the MTPL insurance contract. Next we will try to understand this in more detail.

What is insurance and why is it needed?

First of all, you need to answer the question of what a vehicle insurance policy means. This insurance is required for all drivers without exception; driving without it is illegal.

The document insures the civil liability of the car owner, and it is issued not for the car, but strictly for the person who drives it.

If other family members or employees of the same company are allowed to drive a car, everyone who will drive the vehicle must be included in the insurance policy.

In some cases, it is possible to draw up an insurance contract without any restrictions, that is, every driver will be able to drive the car.

If the previous owner of the car took out a policy for a year, then when selling the vehicle you will need to visit the insurer’s office and make all the required changes.

The buyer must also issue a new insurance policy or reissue it, since the basic information data has been changed.

Based on everything said above, we can conclude that re-registration of compulsory motor liability insurance for another car when purchasing and selling a car is mandatory for both the seller and the buyer.

Moreover, the rules of modern car insurance clearly state that the owner of the car must notify the insurer of all changes made to the contract.

The main algorithm of actions in the process of changing ownership is described in the law regarding automobile insurance.

Concept and purposes of insurance

Before clearly answering the question regarding the need to have insurance documentation for the car being sold, you need to take into account some aspects. Legislative acts establish a rule according to which the presence of the act in question is mandatory for all persons who manage. It is worth noting that such situations do not provide for exceptions. If a situation occurs that a person is driving a vehicle without an insurance certificate, penalties will be applied to him.

This act is used for the purpose of civil liability insurance for the owner of the car. An important point is that the registration is not for the car, but for a specific citizen who plans to drive it. When a citizen plans for members of his family to have access to a car, or rather to drive it, it is necessary to register information about each in the insurance. In some situations, it is possible to draw up the act in question without establishing restrictions. This means that anyone can drive a car.

In a situation where a citizen who is selling a vehicle has drawn up an agreement with the insurance company for a year, but in fact sold the car earlier than this period, you need to visit the company and return part of the money paid. It is the buyer's responsibility to obtain a new insurance certificate. It will not be possible to use previously drawn up insurance, as there has been a change in the basic data.

In addition, at the legislative level, a person is required to send the insurer data on all adjustments made to agreements.

Insurance renewal options

The process of official alienation of a vehicle by the owner is carried out through a formal purchase and sale agreement or execution of a general power of attorney.

Options for re-issuing an official insurance contract can be very different, it all depends on how the acquisition process is carried out.

So, the answer to the question of whether it is necessary to redo the insurance when transferring the car to yourself is positive.

The re-registration process can be carried out using the following methods:

The former owner enters the new car owner into the policy and gives him his insurance contract.
The old car owner completely terminates the previously concluded agreement with the insurance company, and then receives the compensation due to him for the period of non-use of the policy.
One of the car owners is able to reissue the policy for another car.

Each owner may have different nuances . CASCO against theft? Quite often a person sells a car and immediately buys a new one. He has insurance at his disposal, so he can use it by entering only some changed data.

Exactly the same situation can happen to a person who purchases a car, that is, he has an official motor vehicle license and all that remains is to register all the necessary data in the unified all-Russian RSA database.

In any case, each situation is carefully discussed, all issues are resolved individually.

Many drivers wonder how long they can drive without insurance after re-registering their car . It is worth noting here that moving without insurance is strictly prohibited.

For violating this rule, the driver will be fined. It is also important that the driver’s identity matches the names included in the document.

Adding a new driver to insurance

If during the process of registering a car a general power of attorney was issued, and the previous owner of the car agrees that the new owner will drive under his agreement, you will need to contact insurance agents and record such a decision.

Based on this, you can get an answer as to whether insurance is retained when re-registering a car . Yes, it is saved, just with changed driver data.

When carrying out this process, it is advisable to conclude an additional agreement that the new owner, if necessary, can fully compensate for the cost of time of unused insurance.

This official agreement will be the most logical and reasonable solution in a situation where the owner does not intend to purchase a car and, accordingly, deal with issuing a new policy.

Compensation for unused insurance days is calculated very simply. For this purpose, the amount of the cash contribution is divided by the total insurance time, that is, 365 days, and then multiplied by the total number of unused days.

This method of re-issuing an insurance policy is only possible in a situation where the region of registration was the same. The total cost of compulsory motor liability insurance in each area may be different and this must be taken into account.

In order to legally transfer insurance rights, it is not at all necessary to register an additional agreement with a notary.

If a regular purchase and sale agreement was concluded, it will be possible to draw up a clause regarding the transfer of rights in the document, and then it will be possible to proceed according to the usual scheme.

Termination of the policy

If the buyer does not want to pay financial compensation, the former owner of the car can retain the funds for the insurance contract by terminating the previously concluded contract

Based on modern insurance legislation, the company that has entered into a formal contract must, upon termination, pay the client compensation for the unused time of previously issued insurance.

To terminate the document, you will need to provide the organization with a purchase and sale agreement on the day the insurance is concluded and this circumstance is recorded.

The insurance company takes 20% of the penalty. It is for this reason that for those who plan to drive another car, it will be much more profitable to draw up a completely new contract or re-register the old one.

There are some peculiarities in this situation . To carry out such a procedure, a person must actually own two vehicles at the same time, and insurance must be issued by one company.

All this is accompanied by certain difficulties . You need to be especially careful if transactions are carried out between people who are strangers to each other. There is a high probability of fraud.

How the policy is terminated

In a situation where the buyer refuses to pay compensation, the person selling the car has the opportunity to contact the insurer and terminate the agreement. You need to visit the company as early as possible so that the company pays a large amount for the unused period under the document. Insurance law states that a person must bring to the company a copy of the purchase and sale agreement, indicating that the insurer has the option to keep 20 percent of the total amount under the contract. This is a penalty. For this reason, experts note that a more profitable option is to change the old document or enter into a new agreement. The situation under consideration has some peculiarities.

It is required to own several cars at the same time. In addition, insurance must be obtained from one organization. Particular care must be taken in situations where a transaction is concluded between third parties. This is due to the fact that there is a high risk of fraudulent activities.

Important points

For a person who purchases a car, the “automobile title” of the former owner will not be legal

The reason is that the owner of the vehicle changes, and also in the process of re-issuing the registration certificate of the car, its number changes.

If all this data, as well as the main registration number, changes, all this data is immediately reflected in the insurance policy.

According to the law, only the previous policyholder has the right to make informational changes to the auto insurance.

Once the vehicle is sold, the new owner has no rights or legal basis to ask a stranger about this factor.

The previous owner will need to terminate the insurance contract completely, and the new owner will need to enter into a new contract.

In this case, the remaining funds under the policy are taken by the previous car owner only if the new owner does not have a general power of attorney to carry out certain legally significant actions.

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Insurance renewal process

If the question arises whether insurance is needed to re-register a car, there should be no doubt. Without this document, it is impossible to re-register a car in 2021.

Not all drivers know what to do or how to properly renew an insurance contract. To carry out this process, you will need to prepare a package of documents and allocate time for a personal visit to the insurance company.

Some difficulties may arise in the process of choosing an insurance company. Here it is advisable to rely on reviews from authoritative friends. You need to bring exactly the same documents to the selected insurance company as when you initially visited the company.

Here are all the necessary documents:

A statement that the agreement needs to be re-issued. It is written using a special form provided by the insurance company.
Personal identification documents.
If the policyholder is a legal entity, registration documents will be required.
Certificate of previous vehicle registration, as well as a registration certificate or other documents.
Passed technical inspection certificate.
Driver's license of the person who enters into the contract and those persons who will be entrusted with driving the car.
Previous insurance policy.
When re-registering, you will need the passport of the former owner.

With this package of documents you need to contact the insurance company, sign the contract and pay for the insurance contract

After the registration process, the driver will be given the following documents - the original insurance policy, motor vehicle rules, a memo on actions in case of a possible accident, two copies of the European Protocol, a receipt confirming payment for the policy.

Fines for lack of insurance

Today, insurance has become mandatory for all citizens. Absolutely all drivers know about this, but some are not even aware of what fines need to be paid if they do not have the appropriate papers when registering. For example, you will have to pay 800 rubles, which are transferred in accordance with legal requirements.

But, unfortunately, such a small amount does not frighten knowledgeable car owners, and therefore they continue to violate all existing requirements. This approach leads to unnecessary costs, and at the same time to frequent clashes with traffic inspectors. Thus, if you make such a mistake, you have to face a fine, albeit a small one. Drivers need to take their own vehicle seriously. Otherwise, you will have to regularly face sanctions, and at the same time, frequent checks of the full package of documentation.

It is worth noting that when understanding the question of whether it is possible to re-register a vehicle without insurance, it becomes clear that it is better to visit the nearest office of a particular company immediately after concluding a purchase and sale agreement. This will make it possible to complete the necessary documents and avoid fines.

Solution to the question in the general case

The main question that arises among buyers of used cars when re-registering a car in their own name is whether it is necessary to change insurance if the former owner has nothing against giving the policy to the buyer?

To answer this question, you need to understand that compulsory motor liability insurance is a document that insures the liability of a specific car owner, the insured. Therefore, it is natural that if there is a change of owner, you will have to get a new policy, in which the full name of the new owner of the vehicle will appear in the “Insured” and “Vehicle Owner” columns.

If the seller simply gives the buyer an insurance document, then it will still not be possible to legally drive with it, since after the conclusion of the policy, it is only allowed to drive the car for 10 days, and the insurance itself is not issued to the new owner.

It will also not be possible to register the purchased vehicle with the traffic police - the inspector will immediately see that the policy is not issued in the name of the applicant and will refuse to register the vehicle.

In most cases, the process of re-registration of a purchased car occurs as follows:

A contract is concluded, a mutual exchange takes place (the seller receives money, the buyer receives cars, keys and documents).
The seller goes to the insurance company to receive compensation for unused policy days. Of course, no one likes to return money, least of all insurers. But since the law obliges them to do this, within two weeks after submitting the corresponding application, the amount calculated based on the number of days remaining until the end of the insurance period is returned to the policyholder. But there is one “BUT”. Insurers have found a loophole through which they reduce the amount of compensation by 20-23%. Justifying this by the fact that they incurred expenses for salaries of employees, paperwork, etc. Although if you have a desire to prove this insurance claim is illegal, then you may well do this, but only through the court.
The buyer goes to the insurance company to obtain a policy, since it is impossible to re-register the car without insurance.
The new owner registers the car with the traffic police.

This happens in the vast majority of cases. However, there are always exceptions, and some buyers of used cars manage to re-register the car in their name without obtaining new insurance. How to do this will be discussed further.

Alternative option

In certain cases, the MTPL policy issued to the seller of the vehicle can be transferred to the buyer. To do this, you must obtain consent from the insurer. So, to the question of whether it is possible to reissue insurance for the new owner of the vehicle, the answer is yes. But for this you need to adhere to the following sequence of actions:

Reaching an agreement between the parties to the transaction.
Visiting the insurance company to submit an application and re-register documents. The applicant must provide his civil passport, vehicle purchase and sale agreement, insurance, vehicle title and the application itself.
The insurer takes away the old policy and issues a new one 2 days later. What changes in it? In the “owner” line, instead of the seller’s full name, the buyer’s data is indicated, and in the “persons authorized to drive the car” column there are now two names - the original insurer and the new owner. The “Insured” column remains unchanged - it still contains the full name of the car seller, since it is he who remains the person who insured the vehicle. Therefore, various ambiguous situations may arise in the future when paying insurance compensation. For example, the seller must be notified if the car is involved in an accident.
The new owner reimburses the seller for the amount remaining unclaimed during insurance, that is, the amount that the insurer would have paid in the event of early termination of the insurance agreement.
Re-registration of the car is carried out by the new owner without any problems, since the insurance policy is already in place.

It is worth saying that this option is disapproved by insurers. But since clause 23 of the MTPL Rules provides for this possibility, they cannot refuse to reissue the policy (subject to the submission of all documents and mutual consent). However, a completely legitimate opportunity, which the insurer will not fail to take advantage of, is to request payment of an additional insurance premium (due to an increase in risk).

So, do you need insurance when re-registering a car? Of course it is needed. It can be obtained in two ways - by issuing a new policy or by re-issuing compulsory motor liability insurance for the car seller to the buyer. The first way is the most preferable. The second option is usually used by persons who are related or friendly.

The article will provide detailed information on what to do with insurance if you have decided to buy a used car - get a new one or you can leave the old one.

Getting insurance

Renewing your insurance can be done in just a few minutes. Ideally, it should accompany the contract for the sale and purchase of a car when all documents are presented. Experienced drivers calculate the required amount in advance in order to prepare. You need to remember how important this is. This is also stated in the legislation, so penalties become mandatory in case of non-compliance with the requirements.

When planning to change a vehicle, you should not hope for a miracle. The deadlines for meeting the insurance company's visit are mandatory. If you miss this moment, you will have to face government misunderstanding. It is better for drivers to stop ignoring their civil responsibility and take care of the package of necessary documents. Now let's discuss what the punishment will be for lack of compulsory motor insurance.

Drivers are trying to figure out how to re-register a car without insurance. But this is fraught with penalties.

What should I do when buying a used car?

If the used car is sold, then the MTPL agreement must be terminated, as a result of which the policy loses its validity. In this case, the insurer must return the balance of the deposited funds under this agreement.

However, as practice shows, the insurance company prefers to withhold about 20% from the policyholder, citing the fact that the company also has expenses for conducting business, but these actions are fraud.

If someone witnesses such an incident, they need to file a claim in court.

A new insurance policy must be issued for the new owner of the car.

If the contract states that the buyer will only have the right to drive the car, then he will not be able to re-register the car, which means that the insurance in this case will remain the same, because in fact the same person remains the owner.

If the previous owner does not want to terminate the insurance contract, the policyholder can contact the insurance company to amend the MTPL agreement, on the basis of which the policy will be reissued.

If the policyholder receives an application to change the information specified in the insurance contract, the insurer may require the policyholder to pay an additional insurance premium (clause 23 of the above rules)

You can make changes to the insurance policy by making entries in the “Special Notes” section, indicating the date and time of such changes.

The information entered must be certified by the signature and seal of the insurance organization, or a new insurance policy must be issued within 2 days from the date the policyholder submits the previous policy.

However, in order for the traffic police to avoid problems when re-registering a car to a new owner, it is better for the former owner to submit an application to the insurance company to terminate the compulsory insurance contract, and the new owner will then be able to conclude his new insurance contract and receive a compulsory motor liability insurance policy.

Moreover, if changes are made to the contract, as described above when changing the owner, the contract will be valid only for the period for which it was previously concluded, and the new owner will still have to enter into a new insurance contract.

So, there are only three ways to solve the insurance issue:

The first is to re-issue insurance to the new owner, who, in turn, must compensate for all unused insurance costs.

The person who receives ownership of the car must report this legal fact to the insurance organization.

A sample application can be obtained from the insurance company.

In this case, the main thing is to find a common language with the buyer so that the latter pays the cost of insurance payments in proportion to the remaining term of the contract.

The second option is to terminate the insurance contract and receive from the insurance organization the unused portion of the insurance payments.

To do this, the owner must submit an application to the insurance organization to change the owner of the car and to return the insurance premium.

And the last way is to re-issue insurance for another car. This option may be suitable for those who have another vehicle that was insured by the same company or, after selling the car, the owner plans to buy a car and register it with the same insurance organization.

In this case, the insurer may offer to reissue insurance on another car, and the remaining payments on the sold car will be transferred to pay for insurance on the new car, or the payment will be transferred to the existing car towards future payments.

To do this, after selling the car, the policyholder must submit an application to transfer the remaining payments to his other car.

Find out if you need a car when re-registering from the article: Do you need a car when re-registering?

What fines are imposed for late re-registration of a car are shown in the table.

Is it possible to register a car without an insurance policy?

In the process of buying a new or used vehicle, additional costs inevitably arise, in addition to the amount that needs to be paid to the seller. In order to properly register a car for the new owner, you will definitely need to take out a civil liability insurance policy - commonly known as OSAGO for short. These costs should be taken into account when withdrawing your savings to purchase a car. In other words, is it possible to register a car without an insurance policy? Let's try to delve into the nuances of this issue, which worries millions of our car enthusiasts.

In any traffic police department there is posted on information stands a list of necessary papers that the new owner undertakes to provide for registration. An insurance policy from a properly licensed insurance company is one of them. Therefore, it will not be possible to re-register a car without insurance, and the new owner will definitely have to fork out money for it.

In addition, there is also liability for driving an uninsured vehicle. Fines can reach 500-800 rubles, but traffic police officers immediately cut off those who do not have this service registered, even at the registration stage. Therefore, the situation cannot be avoided legally - the car will not be registered without this document. The exception applies only to vehicles that were purchased no later than 10 days ago. The confirmation will be the purchase and sale agreement.

It’s best for drivers not to Google queries online like “is it possible to re-register a car without insurance.” A correctly registered car will allow you to fearlessly move past any traffic police posts without violating other traffic rules. The insured car receives protection against accidental damage to property and/or health of other road users. This document is mandatory, just like a vehicle passport.

Price

The cost of re-issuing insurance is established in Government Decree No. 739 dated 08.12.2005.

The price will be calculated as follows: the established base tariff will be multiplied by several coefficients. In 2019, base tariffs increased.

What affects the cost of insurance:

Sign	Coefficient
Age and driving experience	The greater the driving experience and the age of the driver, the lower the coefficient; If the driver is 20 years old and has 2 years of experience, then the coefficient = 1.8, but if the driver is older, then the coefficient will tend to 1
Car power	If the car has a power of less than 50 horsepower, the coefficient = 0.6, if more than 150, then 1.6
Region of residence	Each region in the Russian Federation has its own coefficient: in Moscow = 2, Volgograd = 1.3, Moscow region = 1.7
Number of citizens who are allowed to drive a car	If the policyholder has not set restrictions, then the coefficient will be equal to 1.8. If the list is limited, then coefficient =1
If the person has not been in an accident, the insurance company may provide a bonus	5% discount for each year of accident-free driving, but not more than 50% for 10 years of driving
Insurance period	It is most profitable to insure a car for up to a year, then the coefficient = 1, but if from 3 to 9 months, then k = 0.5-0.95

The base rate from April 12, 2015 is about 3,500 rubles.

The above coefficients are multiplied by the base tariff, as a result of which the total amount of insurance can reach 3000-23000 rubles

Are there ways not to change insurance?

When purchasing a car under a general power of attorney, re-issuance of the insurance policy is not necessary; it is enough to include the buyer in it. In this case, there is no need to change your insurance.

You can also simply re-issue the old contract to the new owner of the car. To do this, you need to contact the insurance company with an application.

This option is possible if there is an agreement between the seller and the buyer to compensate the latter for all losses under insurance.

If the buyer is a relative or acquaintance, or the insurance policy is about to expire, then the new owner can be added to the insurance policy, and he will be able to drive the car right away.

What to start renewing first: policy or car

First of all, it is necessary to renew the insurance, and then the car, because in order to register a car with the traffic police, you must provide an MTPL insurance policy.

This means that only after the new owner receives a new policy and diagnostic inspection card, he will be able to re-register the car in his name.

The procedure for re-registration of a car in 2021 is as follows:

The parties enter into a purchase and sale agreement between themselves.
The seller receives the money, and the buyer receives the keys.
From this moment on, the buyer is the new owner who must re-register the car in his name.
Registration of insurance and re-registration of the car at the State Traffic Safety Inspectorate within 10 days.

In practice, the question arises: if a policy can be obtained with a diagnostic maintenance card, then is it possible to drive a new car to a service station?

No, it is not possible if the previous owner did not issue a power of attorney for the new owner and did not indicate him in the policy as the person who has the right to drive the car.

In this case, you can do this as follows:

the car will be delivered to the service station by the seller;
The car will be delivered by tow truck.

Deadline for vehicle registration

As already noted, insurance after the transfer of the title to the vehicle must be obtained within ten days. This condition is specified in the legislation, so no one in the traffic police will issue a fine. In this case, you need to take all the necessary papers with you, but you still shouldn’t delay it.

In practice, the time frame is usually short. You need to get insurance as quickly as possible so that after that you can safely drive on the road without worrying about a possible collision with the next post. Currently, conscientious drivers immediately go to the company’s office in order to purchase all the necessary documents.

Package of documents

To re-issue insurance, you must prepare the following package of documents:

passport of everyone who will drive the car;
driver's licenses of all citizens who will be allowed to drive a car;
technical equipment passport;
if the person submitting the documents is not the owner of the vehicle, then it is necessary to prepare a power of attorney for car insurance;
previous insurance policy (if it was decided to extend the MTPL policy)
if the car is more than 3 years old, then a maintenance ticket.

Consequences

If a person has not renewed his insurance, he will not be able to drive a vehicle or move around the city, because from the legal side, the previous owner will be indicated in the insurance policy.

In addition, if the insurance organization finds out that a person received insurance without any grounds (the person is not the owner), then the company has the right to recover insurance payments.

If the new owner gets into an accident without taking out insurance, then if he proves that he did not have a license to drive the vehicle, then they will be able to recover from the owner of the car. Car purchase agreement? However, the former owner will then be able to claim damages.

So, when re-registering a car, there are several options for how to obtain an MTPL insurance policy.

In this case, everything will depend on how exactly the parties agree when concluding the purchase and sale agreement.

Don’t forget about the deadlines, because only 10 days are provided for re-registration of the car.

How many days are given to re-register a car is described in the article: how many days are given to re-register a car.

A sample receipt for payment of the state duty for re-registration of a car is on the page.

The prices for diagnostic cards in Rosgosstrakh are shown in the table.

Registration procedure - how to register a vehicle without an MTPL form

How to re-register or register a car without insurance is one of the most frequently asked questions regarding vehicle registration. Above, we have already come to the conclusion that the MTPL policy is a mandatory registration document. And yet, thousands of drivers are looking for ways to save on related costs. As for CASCO insurance, it is voluntary. But registration or re-registration of a car requires the mandatory conclusion of a civil liability agreement for the insured.

Registration begins with making an appointment with the State Traffic Safety Inspectorate and collecting the appropriate package of documentation. You can fill out the application form manually using the sample or prepare it electronically. The package of documents also includes paid receipts for various forms of collection (issuing license plates, obtaining a certificate, etc.)

Once the package of documents has been collected, you can submit it to the registration window specially provided for this. After checking it and the accuracy of the records, as well as inspecting the car, the driver will be issued new license plates and a certificate. That is, there will be several main stages:

to write an application;
collect basic and prepare other documents;
undergo a car inspection;
pay state duty and fees;
wait for the test results;
obtain STS and license plates (for the new owner).

Please note the adjustments made in recent years - from the moment the purchase and sale agreement is signed, the new car owner has 10 days to register the car in his name. During this period, he can drive it without an MTPL agreement. After this, he will have to purchase such a policy, because it is impossible to register the car without this condition.

But it is possible to deregister a car without presenting compulsory motor liability insurance - it is not included in the list of mandatory documentation. But if the owner wants to register it at a new address, he will have to present the policy to the traffic police department. Drivers should keep in mind that when selling, renewal of insurance is allowed only in the personal presence of the previous policyholder. The new owner indicates his data in the column called “Insured”, and also enters there other drivers who could potentially be driving a particular car.

To make insurance adjustments, both owners must appear at the insurance company: the current and the former. Both should have a civil passport and a car purchase agreement with them. Changes are made based on a completed application. A similar point arises when there is no change of ownership, but simply a new one is purchased instead of an old vehicle.

In this case, the cost of compulsory motor liability insurance is recalculated, because different cars may have different classes and sizes of power units. You will have to pay extra if the new car has a larger engine capacity or is registered in another locality. If the compulsory motor liability insurance is terminated when the owner or car changes, the insurer retains a certain share of the insurance payment. Typically it ranges from 20 to 25%.

To terminate compulsory motor liability insurance for a car, you need to submit an application of a certain form. It is accompanied by a civil passport and a vehicle purchase agreement, as well as details for transferring funds. In short, any changes in the object of insurance or other important details of the insurance contract must be taken into account by notifying the insurance company.

Video: The traffic police don’t know that you can drive without MTPL insurance

Buying and selling cars is one of the most common commercial transactions. When purchasing a new car, MTPL insurance is issued to the purchaser and those persons who will be entrusted with driving the vehicle. Or on employees of the company who owns the car.

An ambiguous situation with insurance arises when purchasing a car on the secondary market. In this case, the car and its previous owner are already insured. The question arises: can the new owner take advantage of the insurance available to the seller without entering into a new contract with the insurance company?

Mandatory services for the car and driver under the new rules

On March 28, 2021, amendments were made to the law on compulsory motor liability insurance (49-FZ dated March 28, 2017_On amendments to Federal Law-40_On compulsory motor liability insurance), which are currently in force and regulate all the rights and obligations of the parties to the insurance contract regarding insurance compensation.

Thereby saving time, but not money. Or you can engage in the procedure of making changes to the current policy issued in the name of the previous owner, which is not always reliable in terms of payment of insurance compensation. The choice depends on the buyer.

Can the insurer refuse to re-register and in what case?

The insurance company has the right to refuse to reissue insurance for the following reasons:

The company does not participate in the AIS RSA program or its activities have been suspended.
Refusal of the new owner to present the vehicle for inspection.
All necessary documents have not been submitted, there is no document confirming the change of owner.
Instead of the policyholder, only his representative is present, who does not have a power of attorney to purchase compulsory motor liability insurance.

The company must submit a refusal to re-register in writing and send a copy to the RSA. The policyholder has the right to appeal the refusal to the RSA or in court.

To re-register a car when the owner changes, a change in insurance is required. If the policy does not include information about the new owner in the “Owner” column, then the traffic police has the right to refuse state registration of the vehicle.

Did not find an answer to your question? Call a lawyer! Moscow: +7 (499) 110-89-42 St. Petersburg: +7 (812) 385-56-34 Russia: +7 (499) 755-96-84

A person not included in the policy cannot drive a car. It is not allowed to use an unregistered vehicle. In both cases there is a fine. A delay in reissuing a policy is given only to the buyer of a car for 10 days to drive it to their place of residence. You can change the policy by terminating the previous contract and drawing up a new one or by making changes to the current document.