We analyze in detail how to renew a compulsory motor liability insurance policy and when to do it

• Features of OSAGO extension
• Extension of OSAGO online: step-by-step instructions
• Cost and terms of renewal
• Is it possible to renew the policy before it expires?
• When you can’t renew your policy online and what to do in this case
• What documents and data are needed to renew the policy?
• Is it possible to renew the policy if it is already expired?
• Conclusion

OSAGO is a compulsory insurance policy that every car owner must have. Driving without this document is fraught with fines, so it is important not to forget about the timing and procedure for its extension. Now the service is available remotely via the Internet, without a trip to the office. The article will discuss in detail how to extend compulsory motor liability insurance, what is required for this and what features of the procedure must be taken into account so that it goes as smoothly as possible.

Features of OSAGO extension

The standard period for using this type of policy is 1 year. Extended for the same period – 12 months. A shorter validity period is possible at the driver's request. Moreover, the cost of a new contract depends on the automobile history over the past period. If the owner of the vehicle has not been involved in an accident, the price will be reduced.

Since 2015, you can renew your MTPL policy via the Internet. However, this is only one option. Drivers still have the right to go to the office and conclude an insurance agreement as usual.

What to do if you are refused to renew your MTPL policy?

Sometimes, insurers refuse to renew insurance due to the fact that the necessary documents are missing, a technical inspection has not been carried out, or there is no old policy. In addition, there are demands that the representative of the insurance company does not have the right to make. In particular, we are talking about the following actions:

• there is no need to apply for insurance, since we are talking about the continuation of cooperation under the main agreement;
• the insurer is not obliged to draw up and issue notifications about road accidents or a list of representatives by region;
• in turn, the policyholder is not obliged to provide original documents necessary for concluding an insurance agreement if the insurer does not have such data.

In fact, all these requirements are unlawful and the user can obtain insurance by contacting the insurance company. When the policyholder refuses this action, the insurer has the right to go to court.

Extension of OSAGO online: step-by-step instructions

The algorithm of actions required to renew your MTPL policy online is as follows.

1. Registration on the official page of the selected insurer (all actions will be carried out through your personal account). The transition to it is possible through the Gosuslugi portal or the website of the Russian Union of Auto Insurers (RUA). This increases the reliability of the transaction, because redirection is possible only to accredited companies.
2. Submitting an application for extension. There is a form available on the page that you just need to fill out. You will need information from the policyholder's passport, car, driver's license and diagnostic card (for cars less than 3 years old, the latter document is not needed).
3. Confirmation of the specified information (you need to check the box in the specified place or certify the document with an electronic signature, if any).
4. Making payment. The cost of the contract is calculated automatically. You can familiarize yourself with the price before completing the document; almost all insurers’ websites have online calculators.
5. Waiting for confirmation of the specified data and execution of the document. It will be sent to the email address specified when registering your personal account.

The driver is not required to print out the E-OSAGO; State Traffic Inspectorate employees have special equipment to check the document using the policy number.

Procedure

Applying for compulsory motor liability insurance via the Internet is very simple. Even an inexperienced Internet user can cope with this task. The application can be submitted exclusively on the official website of the insurance company. For those clients who want to renew their policy with the same organization, the procedure will be slightly simplified. All that remains is to read the detailed instructions.

With your insurance company

If you want to renew your MTPL policy with the insurance company with which you have existing insurance, that is, you want to continue to cooperate with the same organization, then to renew you must complete the following steps:

1. Go to the official website of the company.
2. Log in to your personal account. If you received insurance for the first time at a branch, then you need to register.
3. After confirming registration in your personal account, you will see your current policy, click on it, and the “Renew” function will become available to you.
4. You will see a completed form with your data that was previously entered when applying for valid insurance. If the information is current, then you confirm it and submit the application.
5. In a few minutes you will receive an answer. If confirmed, all you have to do is select a payment method, pay and receive a new certificate by email. An electronic certificate is no different from a paper one. For convenience, print it out.

It should be noted that no changes can be made in this way; such a function is available only to employees of the insurance company, after presenting the necessary documents.

To another UK

If you want to change your insurance company, then the procedure becomes a little more complicated. Here you also go to the company’s official website, register, but your personal account will not reflect information about your current MTPL policy, since you simply don’t have one in this organization. Therefore, you will need to apply yourself. To do this, click “Apply for OSAGO online” and in the window that opens, fill in all the necessary data, both for the car and personal. Then you confirm the documents and send them for verification. In the same manner, pay for the insurance policy from the card, and the company will send you a new certificate electronically. There is no need to have it certified at the company’s office. The printed version has legal force.

Cost and terms of renewal

The renewal of the insurance policy is carried out on the day of application; there are no special deadlines for this service.

Important! Extension of compulsory motor insurance is free of charge; the car owner only needs to transfer the amount of the insurance premium for the contract itself.

The cost of compulsory motor liability insurance is set at the state level (Article 8 of the Federal Law “On Compulsory Insurance” dated April 25, 2002 No. 40-FZ). The difference in price between different companies cannot be more than 20%.

The final cost consists of base rates and coefficients (Part 1, Article 9 No. 40-FZ). It is affected by:

• period of validity of the contract;
• type of vehicle;
• driving experience of the policyholder;
• presence/absence of insured events;
• car mileage;
• number of drivers included in MTPL insurance, etc.

The basic price of the policy varies from 3,432 to 4,118 rubles. Each renewal implies a reduction in the cost of insurance, subject to accident-free driving.

Is it possible to renew the policy before it expires?

Driving a vehicle without a valid compulsory motor insurance policy (both electronic and paper) is an administrative violation and is punishable by a fine of 800 rubles (Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation).

According to the law, the current compulsory motor liability insurance can be extended in advance. Applications are accepted 30 days before the expiration date.

In practice, some insurers refuse to provide services if you contact them earlier than 1-2 weeks before the document expires. In such a case, you can file a complaint (it is sent to the company management or directly to the RSA). To do this, you should request a refusal to issue a policy in writing.

Thus, if the insurance period expires, for example, on March 31, you can apply for an extension as early as March 1. To avoid problems with State Traffic Inspectorate employees due to driving with an expired policy, it is advisable to begin the renewal procedure in advance.

Note! In some insurance companies, the extension period has been increased to 2 months.

Questions and answers

In the last section, we will look at the answers to popular questions asked by car enthusiasts when purchasing a form in real time.

Answer to the question about the extension period for compulsory motor liability insurance on the Rosgosstrakh website

How many days before the expiration date can I apply for compulsory motor liability insurance?

You can make a new policy 60 days before the end of the period using a previously purchased form. It is important to take into account that the insurer may review the paid premium and request an additional payment if an insured event occurs within 60 days due to the fault of the policyholder.

Therefore, experienced insurers recommend purchasing protection a month or several weeks before the expiration of the previous contract.

What documents are needed for electronic registration of compulsory motor liability insurance?

The package of documents is no different from the one requested when signing a contract in person through the office. You will need the passport of the policyholder and the owner, registration documents and driver's licenses of all insured road users. Additionally, you can prepare a diagnostic card and a previously issued OSAGO policy.

What to do if the company refuses to purchase a contract 60 days in advance?

In this case, you should receive a written refusal and send a complaint through the official website of the RSA or the Central Bank. Of course, you can go to court, but this is a more difficult way to assert your rights. In practice, the Central Bank and RSA help to obtain insurance immediately after receiving a complaint.

It turns out that you can extend your insurance until the end of compulsory motor liability insurance in real time. To purchase, you must log on to the insurer's website or use the services of a broker. To complete the form, you need to prepare documents and a valid maintenance form.

It is important to remember that the motor vehicle permit is issued 2 months before the expiration date using the previous form. Therefore, how many days or months in advance to order a contract is up to the car enthusiast to decide.

When you can’t renew your policy online and what to do in this case

When an electronic policy is issued or renewed, information about the car owner is checked against the PCA database (they are entered there upon receipt of any driving document - diagnostic card, insurance, etc.)

However, there are certain limitations when purchasing insurance online.

1. If the car is new or registered to the previous owner. In each of these cases, information about the policyholder will not be in the RSA database, therefore, online renewal is impossible.
2. If there are changes in the documents for renewal (for example, new licenses have been obtained, the policyholder's registered address or vehicle license plate has changed). In any of the listed cases, renewal via the Internet will be possible, but if an insured event occurs, problems will arise with obtaining compensation.
3. If the vehicle is registered outside of Russia.
4. If there is no diagnostic card, which confirms that the technical inspection has been completed and the condition of the machine meets the established standards.

Also, the inability to renew the e-policy may be due to technical reasons, which are most often caused by a failure or are a trick of the insurance companies. The second option is possible when the company does not want to issue an electronic document. This reluctance is explained by the fact that when receiving E-MTPL, additional services cannot be imposed (the car owner himself chooses what he needs).

Unreasonable refusal to issue or renew a policy is punishable by a fine in the amount of:

• 20-50 thousand rubles for officials;
• 100-300 thousand rubles for legal entities.

Inspection and punishment of unscrupulous insurers is carried out by the RSA and the Central Bank based on a complaint from a motorist.

If the impossibility of registration is due to the state of the documents, the policyholder needs to obtain new ones and, based on them, renew the policy. If technical problems arise, you should:

• reload page;
• Contact your insurance company to report the problem.

If the site still does not work properly, you will have to renew your policy in the office as per the standard procedure.

What to do to renew your MTPL policy

Depending on the contract and the operating conditions of the insurance company, there are several ways:

• automatic renewal - suitable for drivers who do not want to change the insurer and the terms of the contract. Almost all companies have the possibility of automatic renewal if the client does not express a desire to terminate the contract. In this case, you will not need to submit an application. It is enough to make timely payment for the new insurance period. Based on payment, the policy will be renewed immediately upon expiration of the previous one.
• extension in the office is not the most popular option. Especially for drivers who want to renew their electronic policy. The online method is more convenient for them. But if you have questions that require personal consultation, an extension in the office is possible.
• Online renewal is the best option, allowing you to extend the contract on existing terms or make the necessary changes.

Note! Automatic renewal requires prompt payment. In case of delay, the insurance expires in accordance with the validity period of the previously issued document, and then it is considered expired.

What documents and data are needed to renew the policy?

To renew your compulsory motor liability insurance, you will need:

• personal passport;
• driver's license (not only of the policyholder, but also of all persons who will be included in the contract);
• PTS or STS (depending on which document was used in the old policy);
• diagnostic card (if the car is more than 3 years old).

If an electronic policy is issued, no documents are required. Those. There is no need to attach scans to the application, just enter the details that will be checked against the database).

What documents will be needed?

If you prefer to do everything the “old fashioned way” and want to personally contact your insurance company, take with you the same documents as when concluding the contract. Here is the list:

• Passport
• PTS
• car registration certificate
• driver's license
• maintenance card

In the office you will write an application, the manager at the branch will check the documents and do everything. But a visit to the insurance company is not necessary - it is much easier and faster to resolve all issues online.