Where to get compulsory motor third party liability insurance in Moscow

What is the problem with obtaining an MTPL policy for nonresidents?

This is how our world works that we do not always live where we are registered at the place of residence according to the Russian Federation passport, which means that the car, in accordance with the vehicle registration certificate according to the owner of the car, is registered at the place of registration of the owner. Considering that, as citizens of the Russian Federation, vehicle owners have the right to free movement throughout Russia, no one violates the law. And owners of cars and other vehicles pay taxes to the federal budget on time before December 1 of the current year for the previous year (regardless of the location of the car owner, payment of taxes is accepted everywhere). All this functions until the owner is faced with the issue of issuing an MTPL policy not at the place of registration, but at the place of residence.

Is it possible to apply for compulsory motor liability insurance in another 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.

Why is issuing an MTPL policy for non-residents a difficult task?

The problem of issuing an MTPL policy for non-residents is especially acute in the city of Moscow. What is this connected with? It seems that it should be quite the opposite: all the central offices of insurance companies are concentrated in the capital of our vast Motherland and supply, according to the law of the market, should far exceed demand. However, when applying for an MTPL policy for non-residents, the situation is not in favor of citizens living in the city of Moscow, who own a vehicle, but do not have permanent registration in the capital. What is this connected with? Exactly with the cost of the MTPL policy for non-resident citizens.

The cost of compulsory motor liability insurance consists of several components, the meaning of which is for each car owner and for all drivers allowed to drive the vehicle individually. However, the calculation involves the so-called territorial coefficient, which significantly distinguishes the cost of an MTPL policy for residents of federal cities, such as Moscow, from the cost of a MTPL policy for nonresidents, i.e. citizens who, according to their passport, are registered at their place of residence in settlements of the Russian Federation with little traffic flow.

This territorial coefficient at the federal level is included in the calculation for all insurance companies for fairness, as such. The point is that for cities where there are a lot of cars and the likelihood of an accident is higher, the compulsory motor liability insurance policy costs more, and for settlements where the population density is low, the cost of the compulsory motor liability insurance policy for car owners is correspondingly less. In life for insurance companies, vehicle owners registered at their place of residence in sparsely populated areas have become out-of-town clients with a low cost of OSAGO policy, which is no longer profitable. And the likelihood of them getting into an accident and traffic accident in Moscow is quite high, like all drivers driving a vehicle in the capital.

Thus, drivers and vehicle owners living in the city of Moscow, but having registration at their place of residence in other localities, became unprofitable for insurance companies. According to the law on compulsory motor liability insurance, insurance companies cannot refuse to issue a compulsory motor liability insurance policy when applying for its registration, therefore, in practice, branches have been allocated that are engaged in issuing compulsory motor liability insurance policies for non-residents. However, the number of MTPL policies for nonresidents arriving at these branches of insurance companies does not correspond to the number of nonresident citizens who want to take out a MTPL policy in Moscow.

Ways to reduce the price of a policy

Motorists need to understand that there are several methods by which they can reduce the cost of the insurance document. In particular, you will need to contact the organization that offers the lowest cost of the policy on the market. As mentioned above, currently this amount is about 3,400 rubles. The cost is also affected by the duration of the policy. This suggests that to reduce the amount, you need to reduce the period of use of the act. Sometimes it is much more profitable for a citizen to take out a policy for a short period.

IMPORTANT !!! If the car is used on an ongoing basis, then it is recommended not to save using this method and purchase a full package for 12 months. However, there is a maximum validity period of the document, it is 3 years.

In this case, the increase in rates for the specified period cannot in any way affect the drawn up act. In addition, in order to reduce cost, it can be used according to KBM. This only happens in a situation where the citizen is not involved in accidents on the road. If a person has not been involved in an accident during the annual period, then he can receive a discount of 5 percent.

You can also take advantage of the cost reduction option, whereby you can use equity shares. They provide for conditions under which several insurance agreements are concluded at once. Such services are provided by several organizations. This indicates that it would be more profitable to come with a friend/acquaintance and take out policies.

In addition, you can include yourself in the policy along with a driver whose experience is more than three years. At the same time, it is necessary to take into account the age group of the citizen. She must be over 22 years old. In this case, you will be able to increase your driving class. Another option is to register the car in an area where a low coefficient applies. For example, it is permissible to register a car in the name of a relative who lives in a rural area or in another region.

How to buy an MTPL policy for non-residents

Our company issues compulsory motor liability insurance policies for non-resident citizens for vehicles of all categories. Obtaining an MTPL policy for non-residents is simplified and built on the most favorable terms for the client with minimal loss of time. The client either comes to our company’s office himself, or, at the client’s request, the company’s specialists calculate and issue an MTPL policy for non-residents online. The company operates a courier service, ready to deliver or pick up documents at any time and place convenient for the client. Please note that the calculation of the MTPL policy for nonresidents is carried out according to the territorial coefficient of the owner of the vehicle (registration address at the place of residence indicated in the passport), taking into account all the discounts provided by law for accident-free experience available in the all-Russian database of RSA (Russian Union of Auto Insurers).

Purchasing MTPL from an insurance company in another region

The legislation does not establish mandatory requirements for motorists at the place of registration of insurance. The driver can contact any insurance company, regardless of his place of registration. A company’s refusal to enter into a compulsory motor liability insurance agreement due to a discrepancy between registration and registration region is illegal. The policyholder can defend his rights by referring to the current law on compulsory motor liability insurance and demanding that a policy be issued at the place of application.

Registration of a policy without a registration mark

The reason for refusal to issue a policy may be the lack of registration. Despite the fact that the place of registration does not affect the possibility of concluding an insurance contract in another region, without registration, compulsory motor liability insurance cannot be issued. The car owner must have permanent or temporary registration.

List of required documents

Fig. 1 Documents for registration of compulsory motor liability insurance for non-residents

To apply for compulsory motor liability insurance for nonresidents, you will need the following package of documents:

• owner's passport (page spread with photo and registration);
• registration certificate (CTC) or vehicle passport (PTS);
• the rights of all drivers who will be allowed to drive a vehicle (if compulsory motor insurance for non-residents is without restrictions, then a driver’s license is not needed);
• a valid diagnostic card or technical inspection (if it is not available, it is possible to obtain one from our reliable partner - an accredited technical inspection operator).

How to choose an insurance company

Today, the MTPL insurance policy is issued by almost any insurance company. There are a huge number of them in Russia, so it is very important to make the right choice. First of all, you need to pay attention to the company’s rating, its reliability and pricing policy. The first two criteria can be found on the Internet, read payment statistics and customer reviews. But the second one - the cost of insurance, is determined based on specified coefficients.

Cost calculation

It is quite difficult to manually calculate the cost of an insurance policy on your own, and to do this you need to know the conditions under which the insurance company provides its services. An online calculator makes this task easier. It will allow you to automatically calculate how much costs from a specific seller. What do I need to do? All you need to do is enter all the declared data into the calculator (required fields). And click “Calculate”. To calculate the cost you will need the following data:

• owner status – individual or legal entity;
• type of vehicle;
• car power;
• region of registration;
• age and length of service of the driver;
• number of persons admitted to management;
• whether a trailer is used;
• number of accidents in the past.

After you fill in all the listed data, all you have to do is click “Calculate”. If you are satisfied with the amount to pay under your MTPL insurance policy, you can immediately proceed with registration online.

Comparison of prices in insurance companies

The convenience of the calculator is that it can be used to quickly calculate the cost of an insurance policy in different companies and choose the best option for yourself. Today, a similar function - independent calculation of the cost of compulsory motor insurance online, is available in the following organizations:

• Alfa insurance;
• Sogaz;
• Reso;
• Ingosstrakh;
• Rosgosstrakh;
• Tinkoff;
• Renaissance;
• VSK;
• Yugoria;
• Agreement.

In addition to assessing the cost, be sure to pay attention to the company’s reliability, its diligence towards clients and its rating. It is also worth paying attention to additional discounts. Some insurers offer new clients up to 10% discounts, and a savings system is provided for regular clients. Such a condition will affect the total cost of the insurance policy and make the offer more profitable.

Delivery

As we already mentioned above, when issuing an MTPL policy for both non-residents and Muscovites, our company provides the service of delivering the policy to any point not only in the capital, but throughout Russia. If you need the policy urgently, we will send it to you by express delivery and you will receive it as soon as possible.

So, if you have a problem with obtaining compulsory motor insurance for nonresidents in Moscow, our company will help solve this problem! Just call or leave a request! We will solve all your difficulties! (in the area of ​​compulsory motor insurance for sure!).

Why don’t they make OSAGO for the regions?

• Imposition of additional products. Large insurers oblige their branches to sell you additional life insurance, property insurance, etc. This is because you will use your car in Moscow, where the chance of an insured event occurring is much higher than in your region, and you should be insured, accordingly, according to the Moscow coefficient.
• Lack of MTPL policies. Most likely, in order to simply not contact you, brokers will say that the policies are not available.
• Lengthy processing of the application. If the company agrees to sell the policy, you will most likely be asked to sign up in advance, about a week before submitting your application, and then will be processed for 5-30 days, followed by an inspection of the vehicle.
• Inability to insure regions Insurance companies also prohibit agencies and brokers from issuing insurance to regions in Moscow and most of them accept this ban as inevitable, although they have the opportunity to help you in this situation. According to paragraph 8 of Art. 1 Federal Law dated April 25, 2002 No. 40-FZ “On compulsory civil liability insurance of vehicle owners”, the MTPL agreement is public, which means that an agreement must be concluded with you at the first application. The MTPL law FZ-40 states that you have the right to buy a regional MTPL policy for your car while in Moscow. Therefore, according to the law, you cannot be refused.

What to do in this or that case if you are denied and what is the fastest and most reliable way to issue an MTPL policy for the regions?

• Contact the central office. It is often easier to negotiate with central offices. Branches only obey their rules, which means they cannot make certain decisions on their own, for fear of being reprimanded or losing a bonus. If you are told that issuing a policy is possible only with the purchase of additional services, write a refusal in writing in two copies. If denied, you can sue the insurance company in court. If you are assured that there is no compulsory motor liability insurance policy at the moment, the refusal will be lawful in accordance with Article 426 3 of the Civil Code of the Russian Federation. No one can prove how true this fact is. Unfortunately, according to paragraph 1 of Article 445 of the Civil Code of the Russian Federation, the Insurance Company can consider your application for up to 30 days and, if it decides so, this cannot be avoided. Then, having finally accepted your application, you may be asked to come in for an inspection of the vehicle.
• Agree to OSAGO with imposed additions. If you don't feel like arguing with your insurer, you can agree to buy additional products. The cost of compulsory motor liability insurance will increase by approximately 3,000-4,000 rubles. You have the right to terminate the contract and return part of the money.

Not happy with these options? then we have a solution: Buy compulsory motor insurance for the regions from us.

We are pleased to offer you the service of issuing an MTPL policy for your regional car. We do not ask you to purchase additional products and will honor your accident-free driving discount. We would like to warn you in advance that we may charge an additional commission for the service, since insurance companies are not always willing to pay us a fee for issuing such policies.

Bottom line

If you need to take out a compulsory motor liability insurance policy in another region, you should know that:

• the insurance company does not have the right to refuse to conclude a compulsory motor liability insurance contract, citing registration in another region;
• the registration procedure is established by the Law on Compulsory Motor Liability Insurance and is the same for all insurance companies;
• To issue an MTPL policy in another region, you will need the same documents that insurance companies in the region of registration require;
• The territory coefficient will be set in accordance with the place of registration, and not with the place of registration of insurance.

Knowledge of these rules will allow you to defend your rights and issue a policy in any region of the Russian Federation, regardless of your place of registration.