OSAGO for temporary registration of the owner 2021, is it possible to obtain insurance for temporary registration?

Possibility of registration not by registration

According to the current legislation of the Russian Federation, driving a car without a current MTPL policy is prohibited.
Failure to comply with this law is fraught with very significant fines for the violator. In this article, we will mainly analyze the situation when the car owner finds himself far from the place of registration, and the insurance period has come to an end.

According to the federal law “On Compulsory Motor Liability Insurance” of April 25, 2002, the owner of a vehicle has the right to contact any insurance company, as well as apply for compulsory motor liability insurance at a place other than his place of registration. Subject to the conditions below, the insurer is obliged to calculate and issue:

A complete package of documents prescribed by law.
Make a full calculation of the cost of the service.
Issue registered insurance within the time limits specified by law.

Don’t be surprised that the amount will be slightly higher than what you were used to before. This is because the original cost of the policy is multiplied by the enhancement factor. The latter must correspond to the region in which the vehicle was registered. For example, if you move from Moscow to Astrakhan, the cost of the policy will noticeably decrease. (approximately two or one and a half times).

Question answer

Is it possible to apply for compulsory motor liability insurance for the period of validity of a temporary registration?
The validity period of compulsory motor liability insurance is established by law and is one year. But within this period, you can set periods of use, outside of which the insurance will be considered inactive. You can set the insurance period for the duration of your temporary registration.

What to do if the insured event occurred in a region different from the place where the policy was issued?

The procedure for registering an insured event does not depend on the region in which it occurred. You can make a payment at any branch of the insurer, regardless of where you received the policy.

How is the territorial coefficient calculated when applying for compulsory motor liability insurance with temporary registration?

The territorial coefficient is calculated based on the region in which the car is registered. If you are registered in one place, and the car is registered in another, then the insurance company will take into account the coefficient of the region where the car is registered.

How to apply for an MTPL policy when changing registration

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Changing meta registration is a fairly common phenomenon among citizens of our country. But it is important to understand that after changing their place of residence, every car owner is obliged to contact the insurance company. The insurer, in turn, is obliged to make changes to the registration in the body of the contract. Remember that if you fail to do this, if you are caught in a traffic accident, it may be difficult to pay compensation.

The motor vehicle liability insurance regulations clearly state that the client is obliged to notify the insurance company of a change of place of registration. There is also a positive point here: there is no need to order and pay for a new MTPL insurance policy. All you need to do is show up at your insurance company’s office at your current place of residence.

Due to a change in the region of registration, the amount of the insurance policy may change. Depending on the coefficient, the annual payment will either be less or increase slightly.

Let's look at an example.

If the owner moves to Moscow from remote regions, then the amount of the MTPL contribution will double, since the adjustment factor for Moscow and the Moscow region is 2. In this particular case, the client must contact the insurance company, report the change of registration and pay the difference after calculation. In the opposite situation, when the move is carried out from Moscow, for example, to Krasnodar, then an additional payment should be expected from the insurer.

Features of registration of a motor vehicle license in another subject of the Russian Federation

The main disadvantage when executing an MTPL contract in another region of the country is that if an insured event occurs and the need to draw up documents for compensation for damage, the victim will have to go to that region and contact exactly the branch where the vehicle was insured.

Another disadvantage is that not every region has branches of the insurance company you need. Before you go for insurance, you need to make sure that the insurance company you need is present in this region.

How to get a temporary registration policy

According to the legislation of the Russian Federation, a person who stays for more than 3 months outside his place of permanent residence must notify the migration service about this. After this, the car owner will have to register at the place of residence of a temporary type. This point of Russian legislation concerns both citizens of the Russian Federation and foreign guests and immigrants.

Often a temporary change of registration is caused by the need to move for the purpose of study or work. Long business trips also often lead to such a need. If you have a temporary registration policy, the car owner can continue to use the vehicle until the policy expires. This event will be immediately followed by another one - the need to issue a new policy at the new place of registration.

The legislation stipulates the rules for recalculation with a coefficient on which the cost of insurance depends. The coefficient is determined by the region in which the car is used, or more precisely, by the place of actual residence of the car owner. It is logical that when you move, this region changes, and therefore falls under a new calculation with an increasing or decreasing coefficient.

To renew the insurance contract, you must contact the company branch at your new place of residence. Mandatory documents that you need to have with you are a passport and an old version of the contract. All other client documents must be stored in the database. There are situations when the client wants to renew the contract or take out a compulsory motor liability insurance policy with another company. In this case, he will need to collect a package of documents, which includes:

Original application for issuance of an MTPL insurance policy.
A document to confirm your identity (passport of a citizen of the Russian Federation).
A document issued by the migration service regarding the new place of registration.
PTS of the car.
Certificate of registration (popularly known as technical passport).
Copies of driver's licenses of all people who have the right to drive this vehicle.
Vehicle inspection card.
If the car is transferred to third parties, a certified copy or original power of attorney.

You must understand that the main task when updating your MTPL policy due to a change of registration is to recalculate the amount taking into account the regional coefficient. This insurance will be considered primary until the temporary insurance expires. Many insurance companies issue a new policy for a fixed date of temporary registration of clients.

○ Where can I apply?

Concluding an MTPL agreement is possible in any case, even if the car owner does not have permanent registration in the Russian Federation. The presence of permanent registration only affects the cost of insurance.

In this case, the calculation will be slightly different - depending on the coefficient established in the region of registration (its size ranges from 0.6 in the Republic of Crimea to 2 in Chelyabinsk, Perm, etc.).

The process of drawing up an insurance contract does not require much time, so you can receive an MTPL policy immediately on the day you contact the insurer. As a rule, filling out the documents takes no more than 30 minutes. If you choose the online procedure, the car owner will also receive insurance on the same day.

Most often, a person has to take out a compulsory motor liability insurance policy in another region for the following reasons:

purchasing a car (it can be either a new or used car) from a resident from another territorial unit, which needs to be transported to the region for further use;
buying a car at a car dealership by pre-order, which is located in another region;
purchasing a vehicle in order to use it in a region where the car owner is not registered, this may be related to work;
when they had not yet managed to register after a recent move.

If you decide not to bother and don’t want to purchase MTPL insurance in order to drive a vehicle from someone else’s region to your own, then there is the possibility of earning a fairly large fine.

What should you do in cases where you are a guest in a foreign city because you are buying a car?

Is it possible to purchase MTPL insurance not at the place of residence, but where the purchase was made?

CP (price per policy) = BS (basic accepted OSAGO tariff) x Kp (adjustment factor)

There are factors that can influence KP:

the age of the car owner, his experience, as well as the experience of drivers who can drive this vehicle;
vehicle characteristics;
the number of people allowed to drive a car, or the presence of a mark indicating that there are no restrictions;
the place where the owner of the car is registered - for rural residents, insurance will be cheaper than for city residents;
information about the absence of accidents - if the client often has accidents, even through no fault of his own, the cost of insurance will be more expensive;
insurance region.

The price of insurance for people living in big cities is usually more expensive than for peripheral residents. For example, for metropolitan citizens the territorial coefficient is 2, and for Voronezh citizens it is 1.5. This coefficient is different and is considered for each region separately.

The difference between territorial coefficients occurs due to the amount of compulsory motor liability insurance fees that the insurance company receives, as well as through accident rates and the amount of its loss ratio.

If the level of loss in the region is quite high, then compulsory motor liability insurance will be much more expensive. As a result, we can observe that the territorial coefficient can be 150, or even 200% in the territory of one region.

Knowing about these nuances allows you to save quite a decent amount; you just need to travel to a foreign region.

In accordance with the law in force in our country “On Compulsory Motor Liability Insurance”, a citizen of the Russian Federation has the right to enter into an agreement with any insurance company with the purchase of a Compulsory Motor Liability Insurance policy throughout Russia, in any subject, regardless of the region in which he has a permanent residence permit.

To draw up an MTPL contract in another region, the car owner must provide the following series of documents to the insurer:

Passport of a citizen of the Russian Federation, or military ID;
The right to drive a vehicle with the appropriate category;
PTS – vehicle passport;
A diagnostic card indicating that the vehicle has passed a technical inspection (the validity of this document at the time of insurance must be at least 1 month);
A document confirming the purchase of a car (collateral obligation, purchase and sale agreement, or loan agreement).

Many insurance companies, when applying for an MTPL policy, want to receive a “Vehicle Registration Certificate” from the car owner. In the absence of this document, when purchasing a car in order to drive it to a neighboring region and register it there, the driver can issue an insurance contract for temporary registration numbers for up to 20 days.

After this period, the owner of the vehicle is obliged to register the vehicle, obtain full license plates and draw up a permanent document in which the new license plates will be indicated.

The basic tariff for issuing MTPL policies is common throughout the Russian Federation. But, despite this, when calculating the cost of an insurance policy, a special coefficient is used, which has its own meaning in each subject of the country; this significantly affects the cost of the service provided in different regions.

SP – full cost of the insurance policy;
BS – base cost;
Kp – special coefficient.

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A driver can drive without a compulsory insurance contract only for ten days after purchasing a car, receiving it as a gift or inheritance. If, after the specified period, the vehicle is not insured, its owner will receive a fine of 800 rubles.

If the driver has entered into an MTPL agreement with the company, but does not carry an insurance policy with him, the fine will be 500 rubles.

Read about possible sanctions in the article “Fine for driving without insurance.”

Car insurance for a limited period of up to 20 days is provided for cases where the car was purchased in another locality and permanent license plates have not yet been obtained for it, and it is required to transport it to another region or city.

The validity period of the policy is related to the validity of temporary numbers - up to 20 days. The insurance conditions are standard, as well as the list of persons allowed to drive.

Registration of a temporary policy has features, which include:

The need to remove the car from its permanent place of registration with the traffic police for transportation to another point with a transit number.
Driving a car to another region for ongoing technical inspection and obtaining permanent license plates.
Selling a car and moving it to another region to be received by a new owner and registered with the traffic police.

Thus, we can highlight the main feature of temporary compulsory motor liability insurance - the possibility of liability insurance in the absence of permanent numbers. This allows you to significantly save on the service and protect your property from risks associated with transportation.

When using a temporary policy, there are both pros and cons.

Positive features include:

Saving on insurance services.
Possibility of obtaining compulsory motor liability insurance for the duration of transportation.
Registration according to the standard package of documents.
Obtaining insurance services for the period of absence of permanent license plates on the car.

Limited validity period with the need to extend in case of transportation delays.
The need to obtain a permanent policy after changing numbers is an additional step that requires time and the preparation of official documents.
There is no need to obtain a temporary policy when undergoing a technical inspection and obtaining a diagnostic card.

The procedure for obtaining a temporary MTPL policy is practically no different from issuing a standard set of insurance services. Registration is carried out by insurance companies, from which it is recommended to choose large ones that guarantee payments in case of unforeseen circumstances during the transportation of the car.

The rating of 7 large organizations in Russia includes: Alfa-Insurance, VSK, VTBSrakhovanie, Ingosstrakh, Max, RESO-Garantiya, Rosgosstrakh. An insurance broker will help you choose the most favorable conditions.

Temporary insurance is provided for by Law No. 40-FZ. Its validity period is set at 20 days, which can be extended if necessary, subject to obtaining a new policy. The minimum issuance period is 5 days.

After the period specified in the policy has passed, you must obtain insurance using permanent numbers. Failure to comply with this requirement will result in heavy fines for the car owner.

According to current legislation, failure to conclude a motor vehicle liability agreement does not entail the imposition of fines only if the vehicle is owned for less than 5 days.

A temporary policy allows you to save significantly when transporting a vehicle due to its limited validity period, which is much cheaper than purchasing an annual set of services. However, for each day of renewal the price is much higher than in the case of permanent insurance.

The cost of temporary compulsory motor liability insurance is calculated taking into account the following indicators:

The owner of the vehicle is a citizen or legal entity.
Type of car – passenger or truck.
Engine power.
The age of the vehicle operator and his driving experience.

Taking into account the presented data, using the example, you can calculate according to the coefficients:

The power of a passenger car is 1.1.
The insurance period is temporary – 0.2.
Driver's age and experience - 1.7.
Class - not used.
Trailer is not provided.
Region of operation – none, transit transportation.
Period of use – no.

Thus, the price depends only on the calculation period; other indicators are used in the same way as when applying for permanent insurance. On average, the cost of a temporary policy is 20% cheaper than the main one.

In addition to the insurer's office, there are several other options for obtaining a policy:

Insurers operating 24 hours a day, 7 days a week should contact trusted companies to avoid fraud.
Insurance brokers - they work simultaneously from several companies, helping to select services on the most favorable terms, taking into account the circumstances of insurance, have complete information about tariffs, locations of company offices, provide advice, and simplify the procedure for obtaining a policy.

It is also possible to connect your insurance service online. To do this you need:

Select the official website of the company.
Order a service, the code will be sent by email for confirmation.
Filling out a temporary insurance policy.
Signing the application and policy using an electronic signature.
The completed form is sent to the insurance agent via the Internet, and confirmation is received by email or by phone call, or in another way.
When providing a detailed calculation, payment is made in any available way - by card, cash, bank transfer, etc.

If you have doubts about choosing an insurer, you can contact the official representative offices of large companies to obtain a list of organizations providing services for issuing compulsory motor insurance on a temporary basis in the region where they are located.

Any person who has proof of ownership of the vehicle can sign the contract. This can be any legally capable person for whom a purchase and sale agreement or a power of attorney for management has been drawn up.

This is interesting: Refusal of temporary registration at the place of stay 2021

When applying for a compulsory car insurance policy, many criteria are taken into account, among which are:

insurance period;
period of use of the car.

The insurance period is a certain period for which the policy is issued (otherwise it can be called the validity period of the insurance contract).

To purchase a compulsory car insurance policy, a certain set of documents is required, discussed in detail earlier. However, there are situations when some documents are missing. What to do?

By temporary registration

When purchasing a compulsory car insurance policy, the territorial coefficient, which affects the cost of the vehicle, is of particular importance.

The first action that must be taken when owning a vehicle is to purchase compulsory motor liability insurance; without it, driving a vehicle is prohibited.

Russian legislation provides for a fine for the absence of an MTPL insurance policy. What is compulsory motor liability insurance and is insurance required when registering a car? This question is asked by people who have purchased a new vehicle.

The only correct answer is yes, and the sooner you apply for it, the better, since compulsory insurance is provided for by law.

To register a car at the State Traffic Inspectorate there is a list of required documents.

One of them is the MTPL insurance policy. It will take about an hour to issue an insurance policy for your car. There are several important nuances that will be discussed in this article.

Registration of the vehicle is required before using it.

It is important to note that vehicle registration does not affect ownership, but only connects a specific person with a specific vehicle.

And here we are faced with compulsory MTPL car insurance for the first time.

So, for example, a citizen registered in Yekaterinburg can apply for a policy in Novosibirsk.

To find out whether it is possible to issue compulsory motor liability insurance in another region in 2018 and how to issue a compulsory motor liability insurance policy in another region, you do not need to study special instructions.

The procedure for obtaining a compulsory car insurance policy is uniform throughout the Russian Federation.

Modern insurers do not have the right to violate the legally established procedure in one way or another and impose special requirements when applying for compulsory motor liability insurance for drivers living in other regions.

Russia, as a state, occupies a fairly large area. Its federation includes a large number of regions with different populations.

This is automatically reflected in the number of cars in use and in the degree of risk of possible accidents, which also depends on the number of cars on the roads.

All this is taken into account in the process of calculating the basic insurance rate accepted in a particular region.

The law explains in detail whether or not it is possible to issue a policy in another region, and gives permission to issue insurance in absolutely any area of the Russian Federation, but some companies may refuse to enter into an official car insurance agreement with the driver.

Refusal when trying to resolve the issue of whether it is possible to buy compulsory motor liability insurance in another region is usually justified by the fact that in a particular region there is no official representative office of compulsory motor liability insurance; it is not possible to issue a policy on the spot. You need to know that this refusal is illegal.

If a person only has a temporary registration to insure a car, he must do this:

go to the insurance company and explain your situation;
provide the insurers with the documents present;
complete the necessary paperwork.

Often, in this situation, an insurance policy is issued precisely for the period while a person has a temporary registration. Most insurance companies have the opportunity to step into a person’s position and still insure his car.

What to do after receiving permanent registration? After the temporary insurance period has expired and the car, along with its owner, has received a permanent habitat, the insurance contract can be easily extended.

In this case, the car owner, along with changing the data, will have to pay extra for insurance, the cost of which will increase.

If the car owner has gone to one of the remote regions of the country with calm traffic and low road congestion, insurers will apply a lower value of the regional coefficient. And then the insurance company will have to compensate him for the difference in the cost of insurance.
Today, car owners have the right to issue insurance documents via the Internet without visiting the insurer’s office. The procedure for purchasing an electronic policy is available to the public on the websites of most Russian insurance companies.

At the same time, he not only moves himself, but also transports his car in order to maintain the comfort of movement in the new place. Such mobility contributes to the implementation of life plans, but also makes the car owner wonder whether, having left his native place, it is possible to apply for compulsory motor liability insurance without registration. Table of contents:

1 Is it possible to apply for compulsory motor liability insurance at a location other than your place of registration?
2 Procedure for registration of compulsory motor liability insurance when changing registration
3 Obtaining a policy with temporary registration
4 Is it possible to do OSAGO without registration?

Is it possible to issue compulsory motor liability insurance not at the place of registration? Any motorist knows that driving a car without having a valid civil liability insurance policy in hand is prohibited by Russian law and is fraught with punishment for the violator in the form of quite significant fines.

In other words, the company is obliged to provide the requested services to any citizen who applies. If the request is ignored or the insurance company refuses to perform a preliminary calculation, the car owner has every reason to write a complaint to the RSA.

After concluding the MTPL agreement, the policyholder receives the following documents:

original insurance contract with the company;
original policy with registered drivers allowed to drive a car;
set of MTPL rules;
accident notification forms (2 copies);
receipt for payment for services provided.

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It should be noted that from the beginning of 2021, to apply for a policy, it is not necessary to go to the representative office of the insurance company - this can be done remotely, through the insurer’s website (according to clause 1 of the rules of compulsory civil liability insurance). Moscow. Let's accept the following conditions:

Let's take the lower limit of the corresponding base rate TB = 3432.00;
the territorial CT indicator for Moscow is 2.00;
We do not take into account the KBM;
let only one driver be included in the policy KO = 1.00;
the person allowed to drive is 25 years old, and the certificate certifying the right to drive the vehicle was received 2 years ago, that is, FAC = 1.70;
engine power 125 horsepower and KM = 1.40;
there is no trailer, so the gearbox does not need to be taken into account;
In this case, a CS is not required, since the minimum period of use of the car that allows the reduction factor to be applied is 3 months;
The CP for policies with a period of 5 to 15 days is 0.20, and for a shorter period the contract is not concluded;
KN is not required by law to apply.

So, the price is based on the following formula: TB * CT * KO * KVS * KM * KP.

Prepare photocopies of the necessary documents (Russian passport, driver's license, diagnostic card and service station certificate). Not all companies require photocopies (many make them themselves), but it is still better to make sure they are available.
Provide a package of documents to the nearest branch of the insurer, or contact its representative.
Fill out the application form and sign an agreement for the provision of insurance services.
Carefully check the policy to ensure that the information included in it is correct.
Pay the cost of insurance and sign documents.
If you are afraid of the imposition of additional services by the insurance company, you can do it differently: do not come to the office in person, but send an application to the insurer by a valuable letter with notification, in which you also make a request for the necessary calculations and details for payment.

OSAGO without registration: pitfalls

The modern realities of cross-border travel dictate new rules, and drivers are wondering whether it is possible to obtain compulsory motor liability insurance without any registration (temporary or permanent)? To help you understand, here are a few examples where one or a number of factors led to a similar problem:

The car owner has changed his place of residence and needs his vehicle every day, but difficulties have arisen with registration.
The owner sold his property or checked out of the current one, but did not have time to register a new one.
A citizen of another country who arrived in the Russian Federation and received the right to use a car before registering it wants to apply for compulsory motor liability insurance.

As you can see, there are many situations where there is a need to issue compulsory motor liability insurance without registration. Despite the demand, the legislation does not make any concessions. You cannot issue an MTPL policy without official registration. Due to the fact that the insurer cannot determine the confirmed place of residence and apply the adjustment factor, it does not have the right to issue a compulsory motor liability insurance policy.

There is still a way out of this situation, although it is not suitable for everyone. We are talking about issuing a policy through a proxy. To do this, a simple paper from the real owner, issued to a person with registration, is enough. In such a situation, the owner of the car will be identified as both the driver and the owner of the car.

To summarize, it can be argued that the legislation of the Russian Federation provides its citizens with a wide platform for maneuvering in relation to car insurance. Vehicle owners can change their place of residence at least every month, and there should not be any difficulties with obtaining an insurance policy. Do not forget also that any insurance company is obliged to issue compulsory motor liability insurance for each client who contacts it with a full package of documents.

Are there any chances to apply for compulsory motor liability insurance without registration?

In accordance with the law in force in our country “On Compulsory Motor Liability Insurance”, a citizen of the Russian Federation has the right to enter into an agreement with any insurance company with the purchase of a Compulsory Motor Liability Insurance policy throughout Russia, in any subject, regardless of the region in which he has a permanent residence permit. To draw up an MTPL contract in another region, the car owner must provide the following series of documents to the insurer:

Passport of a citizen of the Russian Federation, or military ID;
The right to drive a vehicle with the appropriate category;
PTS – vehicle passport;
A diagnostic card indicating that the vehicle has passed a technical inspection (the validity of this document at the time of insurance must be at least 1 month);
A document confirming the purchase of a car (collateral obligation, purchase and sale agreement, or loan agreement).

Before buying insurance, you need to think about which company is best to contact:

the company's license may be revoked or it may go bankrupt. In this case, you may be left without insurance. It will be possible to file a complaint with the Russian Union, but this will take a lot of time;
If an accident occurs due to your fault and the victim cannot for any reason contact your insurance company, he has the right to go to court. And then you will regret choosing such a company;
and vice versa, if the accident was not your fault, and the company that insured the person at fault is not in your city or you simply cannot contact it, then you should contact your company, since direct compensation for losses has been in effect since 2008 ;
an accident may be registered without the traffic police visiting, and after contacting the insurance company, you may find out that it does not exist. It follows from this that you yourself will repair the victim’s car.

Before choosing an insurance company, consult with friends, read on the Internet, and go to the nearest offices. Prices for policies in all companies will be almost the same, as they are determined by law.

What you need to pay attention to when choosing an insurance company:

check your insurance license and the type of activity that interests you;
check community membership. These are serious communities that place special demands on companies. They keep their own statistics, post new and useful information on their websites that will help you choose an insurance company and answer your questions;
pay attention to the rating of the insurance company. Rating reviews are published on the Internet and in the media. In this case, insurers are obliged to fulfill these obligations to clients;
the company cannot have a high percentage of payments in relation to fees, since the company cannot exist to its own detriment. If the average statistical rate is 60 percent or less, the company is considered stable.

After you have decided on the choice of insurance company, the question arises: what documents must be provided for motor vehicle insurance.

The list of documents for individual entrepreneurs, legal entities and individuals is different, so each of them will be described separately.

All persons must complete an application containing the following information:

information about the car owner;
production date, make, model and body number;
engine power, number of seats for passengers;
for what purpose is the car used;
who can drive a vehicle other than the owner;
previous policy number, if available.

For individuals

The MTPL policy for individuals is issued at the place of registration of the owner of the vehicle.

Documents required to obtain insurance:

certificate of technical inspection;
vehicle registration certificate;
passport;

if the vehicle is not your property, then you must provide a power of attorney. The power of attorney was recently revoked, but if you take it with you, it will not be superfluous;
driver's license. Required when applying for a transport policy with restrictions on the list of drivers who are allowed to drive a car.

For legal entities

The MTPL policy for legal entities is issued at the place of registration of the vehicle.

What documents are needed to obtain insurance:

certificate of technical inspection;
vehicle registration certificate;
certificate of state registration with the Unified State Register of Legal Entities indicated in it and the location of the legal entity for taxes in the tax office;
seal;
power of attorney with the right to represent the interests of the organization.

For individual entrepreneurs

Individual entrepreneurs (individual entrepreneurs) collect the same documents as individuals. You will not be required to provide additional information or pay any additional fees. Even when using the vehicle for work purposes.

It is necessary to take into account that all documents provided to the insurance company have expiration dates and after they expire, they must be changed.

When applying for a car insurance policy under temporary registration, you need to contact exactly the same place as when applying for a regular policy - to the insurance company.

The best option in this case would be if in the region of temporary stay there is an office of an insurance company in which the car owner has already issued his policy.

In this situation, as a rule, there are no problems with obtaining insurance, much less refusals. The insurer simply renews (reissues) the driver’s policy, often without even requiring the provision of a full package of documents (since all of them are already in its database).

If a motorist decides to take out insurance for the first time or use the services of a new company, then the situation may be somewhat more complicated. With the provision of a complete set of all papers and some waiting time for verification results.

By the way, if there are no insurers’ offices in your place of temporary residence, you can use the service of obtaining a policy via the Internet - you can now purchase an electronic insurance document from almost every company.

Possible problems during registration outside your place of residence

Every person understands that temporary registration is temporary because it can expire. A client of an insurance company who finds himself in a similar situation is obliged to immediately notify the traffic police authorities at the place of current registration.

In other words, if you have taken out an MTPL car insurance policy under temporary registration and registration, and upon expiration of its validity period you have not contacted the traffic police, it will be automatically cancelled, and accordingly, driving a car becomes dangerous due to the possibility of fines. Consequently, registration entails cancellation of the policy. There are also cases when the insurance company accused the client of a special forgery or refused insurance payment.

When we talk about fines, we are not joking. These are very real values that can be obtained provided that the delay in registration and validity of the MTPL policy exceeded 10 calendar days. In this case, when stopped, the traffic police officer may impose a fine on the driver in the amount of 500 to 5,000 rubles.

A provision in an insurance contract often plays on the situation where the client must notify the insurer of a change of residence. The situation when it comes to temporary registration falls precisely into this category. When a policy is issued under temporary registration, after which the owner of the car and other persons specified in the contract change their place of residence to permanent registration, the client must inform the insurance company of this. This is done so that the latter can recalculate the amount under the contract, adjusted for the regional coefficient.

If you have had to change your insurer since the registration of compulsory motor liability insurance for temporary registration, then there is no absolute certainty that the latter company will agree with the legality of the actions of the first. In simple words, if an insured event occurs, you may receive a refusal due to unconfirmed actions of the first insurance company. Such cases are sent to court without discussion, where they will most likely be declared invalid and subject to additional fines.

Actions in case of refusal to issue compulsory motor liability insurance in another region

According to the current Federal Law No. 40 FZ dated April 28, 2017, the refusal of an insurance company to insure a vehicle for biased reasons and the imposition of additional services not needed by the vehicle owner entails administrative liability. All these changes were made to the Code of Administrative Violations, which is in force on the territory of the Russian Federation in Article 15.34-1.

The punishment provided for in this case is a large fine in the amount of 50 thousand rubles, which is imposed on the official who committed this offense.

The entire insurance market in Russia is regulated by the Central Bank of the Russian Federation. Heads of territorial divisions have the right to resolve all issues arising when insuring vehicles and other types of property.

If a citizen refuses to provide MTPL insurance services in another region, he has the right to contact the local judicial authorities and the prosecutor's office.

As a result, we get the following:

The owner has the right to insure his car throughout the territory of the Russian Federation, regardless of his place of permanent registration;
The insurance company does not have the right to refuse to issue insurance to the vehicle owner for biased reasons; if it is refused, a large fine will be imposed on the official;
The insurer has no right to force the car owner to purchase additional insurance services. If this happens, the victim can go to court, which will oblige the insurer to compensate for all losses incurred by the car owner and pay moral damages, in accordance with Article 445 of the Civil Code of the Russian Federation, clause No. 4.

What's in practice?

As statistics collected by car owners in recent years show, modern insurance agents are trained not to accept documents with temporary registration for compulsory motor liability insurance. Provided that the citizen provides a full set of documents and documents for temporary registration, insurers will act illegally if they issue a policy.

By the way, this practice helps insurance companies protect themselves from fraudsters. Thus, a potential client will not be able to come with forged temporary registration documents in a region with low coefficients and receive a policy. The latter is not at all an identity document.

In what cases can a temporary compulsory motor liability insurance be issued?

According to the law, after purchasing a car, the driver is given 10 days to apply for compulsory motor liability insurance and register with the traffic police.
There is no direct ban on transportation during this period. If you meet this deadline, you don’t have to take out insurance. To avoid fines during this period, it is enough to show the driver a document confirming ownership - for example, a sales contract. If you do not meet this deadline or want to protect your liability to other road users during the transit period, then you will need to take out special transit insurance. It operates in the same way as a regular MTPL, but is valid only for the duration of the haul. After you arrive in the desired region, you can issue a full-fledged policy and register your car with it at the local traffic police department.

https://www.youtube.com/watch?v=DwhH-fl08oY

The law provides for situations in which it is possible to drive a car without compulsory motor liability insurance. Such a transfer is allowed only when purchasing a car second-hand and subject to one of the following conditions:

Execution of a notarized power of attorney from the previous owner for the duration of the haul. Until re-registration, it still belongs to the previous owner, and with the help of a power of attorney you can drive the car on his behalf
Drawing up a contract for free use during the haul. In this case, the seller will be recognized as the owner of the car, and you, as in the previous case, will act on his behalf
Presence during the transfer of the previous owner of the car. He will be able to confirm the fact of a change in ownership

If at least one of these conditions is met, the driver is given 10 days to drive without violating the law or bringing to any administrative liability.

These methods may not help if you are buying a car from a dealership. In this case, you will have to take out a transit policy - otherwise you risk getting a fine.

We invite you to read: The bank filed a lawsuit, what to do?

In accordance with paragraph 3 of Art. 10 of the Federal Law of the Russian Federation “On Compulsory Motor Liability Liability Liability Insurance”, the owner of a car has the right to take out transit insurance for compulsory motor liability insurance in the following cases:

when driving a vehicle (purchased, donated, etc.) to the place where it will be registered;
if the car goes to the place of technical inspection, including repeated.

In addition, the most common cases when the need for temporary compulsory motor liability insurance arises are:

moving a car outside the Russian Federation;
going to the disposal site (in this case, the car can also be delivered by tow truck, however, this is more expensive);
moving a deregistered vehicle from one territorial point of the Russian Federation to another.

Sources

topurist.ru: How to get insurance for temporary registration of the owner, legal advice
9111.ru: OSAGO for temporary registration

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Insurance online

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Catalog of insurance companies in Russia

By following the link , you can familiarize yourself with the catalog of insurance companies in the Russian Federation offering compulsory motor vehicle insurance services. Description of organizations, current financial indicators, ratings, reviews and other information. If you have already had a positive or negative experience with compulsory motor liability insurance of any insurance company, leave your feedback. Thank you!

Link again. Also, be sure to write your comment below. What do you think about the topic of this material? Or maybe you have questions? Ask!

Is it possible to do

The issue of insurance in a foreign region is quite acute for many citizens of the Russian Federation. Since it often happens that permanent registration takes place in one city. At the same time, permanent residence and work are elsewhere.

Previously, when the amount of compensation under compulsory motor liability insurance was relatively small, it was relatively simple to issue a policy in another region. Vehicle registration? At the moment, a large number of different difficulties arise.

The main reason for such difficulties is precisely the increasing coefficient. For example, for Volgograd it is 1.3, and for Moscow it is twice as much.

At the same time, the car owner registered in Volgograd will be insured at a low rate. But at the same time, the vehicle will be operated directly in Moscow, where the likelihood of getting into an accident is significantly higher.

For this reason, insurance companies incur certain losses when taking out a policy for nonresidents. Usually it all depends on the region of residence.

If the coefficient for compulsory motor liability insurance is higher at the place of registration, then there may not be problems with insurance. But first of all, everything depends on the insurance company itself.

For 2019-2017, it is quite difficult to obtain insurance in another region.

There are the following features that citizens who wish to purchase such insurance will need to take into account:

Some companies offer to contact a special office where insurance is provided to non-residents;
in some cases, agents implicitly deny insurance to citizens who are registered in another region;
The optimal solution is to purchase a policy online.

Soon, all insurance companies will be required by law to provide insurance of this type via the Internet.

It will be enough just to use a personal computer with access to the global network.

Thus, the issue of artificially created policy shortages will be resolved at the state level.

The process of compulsory motor liability insurance in another city is a real problem. That is why you need to familiarize yourself in advance with all the nuances directly related to this procedure.

The optimal solution is to apply for a policy of this type directly in the region of registration. This will avoid a large number of different problems.

How much does OSAGO cost for temporary registration?

As we said earlier, when insuring a car with a temporary registration, special coefficients are involved in the calculation. Each coefficient depends on age, length of service, vehicle power, accident class, seasonality and other indicators. If all of them are directly related to the policyholder and his car, then the latter depends on the person’s place of registration.

Thus, adjustment coefficients, or rather their values, which are multiplied by the base rate, are established at the state level by the Central Bank of the Russian Federation. They are multiplied by the base rate that insurers use to set prices for insurance.

This rate varies within the price corridor and cannot exceed it. If you previously took out a policy, for example, at a price of 4,000 rubles, then if you need to renew the insurance policy in a new region where you have temporary registration, the price of the “motor citizen” should not change.

Simply put, temporary registration does not affect the cost of a compulsory insurance policy. But if you change your permanent registration, the premium will be calculated based on the new address. The regional coefficient significantly affects the cost of the policy. The coefficient itself was established after observations and statistics. Thus, in densely populated areas where there is heavy traffic, the frequency of road accidents is higher than in rural areas.

Therefore, if you are registered in a village, but arrived and temporarily registered in the capital or any other large city in Russia, then when calculating the amount of the premium, the agent must apply the territory coefficient corresponding to your registration. This way, some car owners save on car insurance.

If you register a car in the name of a person living in a region where the territorial coefficient is not high, then the price of insurance will be lower. It must be taken into account that the registration address of the driver and the owner often do not match, since they may be two different people. But when calculating the price of OSAGO, the address of the latter is taken into account.