OSAGO for foreign cars: calculate and issue online

In what cases does a foreigner need compulsory motor liability insurance in 2021?

Having studied Federal Law 40, one can understand that compulsory motor liability insurance for foreigners is only necessary if the motorist will drive a car on public roads throughout the entire territory of the Russian Federation.

You should buy protection:

when crossing customs;
in advance, via the World Wide Web.

Important! Within the framework of the law, a foreign driver can buy compulsory motor liability insurance for up to 15 days. This is suitable for those who plan to cross the border and then not drive the car.

What affects the cost of compulsory motor insurance on Belorusskaya

The MTPL policy is a mandatory document that must always be with the driver when driving a vehicle - a car, motorcycle, bus, etc. So, taking out an MTPL policy on Belorusskaya is a mandatory expense item for every motorist. The procedure for calculating the cost of an MTPL policy has a uniform methodology for all insurance companies in the Russian Federation.

Let's look at what this cost consists of and how, if possible, we can influence the cost of the compulsory motor liability insurance policy downward.

So, there is the base cost of the insurance company and the coefficients that affect the cost of the MTPL policy. The basic tariff is determined by the type of vehicle, the status of the owner of the vehicle (for an individual who uses a car for non-commercial purposes the rate is minimal, for legal entities the rate is higher) and the purpose of using the vehicle. The place of registration at the place of residence of the owner of the car (vehicle) or the company of the legal entity forms the coefficient of the region of registration involved in calculating the cost of compulsory motor liability insurance.

The registration region coefficient (0.6-2) is determined by the total number of vehicles in the region and the probability of an accident.
In federal cities (large cities) with large traffic flows, the probability of an accident is the highest, i.e. the value is 2. Since we consider Osago on Belorusskaya, the territory is Moscow. Therefore, the coefficient is 1.7 Vehicle Power
The horsepower specified in the STS determines the power coefficient.
The minimum value is 0.6 (for cars with a power of 50 hp) to 1.6 (for cars with a power of 150 hp and more). Setting a higher coefficient is due to the fact that cars with more power are more dangerous for road users). Driver's age and driving experience The driver's
age and driving experience, which determine the degree of risk of the driver's personal factor, form the driver's age and driving experience coefficient.
This coefficient is equal to 1.0 (for drivers with more than 3 years of experience and over 22 years of age to 1.8 (for younger drivers). Here it must be taken into account that if several drivers have permission to drive a vehicle, then the coefficient will be determined by the most inexperienced. Accident-free on the roads
The bonus-malus coefficient is an indicator of the accident rate of driving of an individual driver. If the driver does not get into an accident, then this is a profitable driver for the insurance company, and this is where a significant discount on car insurance is formed. If the driver does not get into in an accident within 10 years, then this is a 50% discount, so for each year of driving without accidents, the cost of compulsory motor liability insurance reduces by 5%. In the event that an accident took place, then the cost of the compulsory motor liability insurance policy increases by 50%. Data for determining bonus-malus coefficients are taken from the RSA system (Russian Union of Auto Insurers), this is a nationwide database of all insurance companies.
The number of drivers allowed to drive the insured vehicle
The number of drivers allowed to drive the insured vehicle forms the corresponding coefficient, which varies from 1 (when there is only one driver) up to 1.8 (when the number of drivers allowed to drive a vehicle is not limited).
The increase in the coefficient is associated with the risks of insurance companies when the vehicle is driven by different drivers. Duration of the policy The
validity period of the compulsory motor liability insurance policy also forms the corresponding coefficient of the validity period of the compulsory motor liability insurance policy, which depends on the period for which the contract is concluded. In accordance with the norms of current legislation, the legislator recommends a standard period of 12 months. The MTPL policy validity coefficient is equal to 1 when issuing a MTPL policy for a period of 10 months or more. Moreover, if the MTPL policy is issued for 3 months, then this coefficient is equal to 0.5, if the MTPL policy is issued for 9 months, then this coefficient is 0.95. Thus, an MTPL policy for a standard period (from 10 months) is the most profitable.

How long does it take for a foreigner to obtain a car insurance policy?

Foreign drivers can travel on the territory of the Russian Federation if they have an international Green Card policy. You can buy protection in your region of residence.

As for compensation, within the framework of the product, the insurance organization compensates the costs of the culprit associated with restoration repairs in the event of an accident.

If the protection form is not issued, then the foreigner is obliged to buy a motor vehicle license before crossing the border, as mentioned above. On the territory of the Russian Federation it must be insured.

Question answer

Question 1. A friend of mine, a citizen of Ukraine, has a car in his garage in Russia. The move was carried out in connection with the conduct of hostilities in Donetsk. Can he take out a compulsory motor liability insurance policy for driving in the Russian Federation?

Yes, this possibility is provided for by Russian legislation. You need to contact any insurance company in the Russian Federation and obtain a policy. The document is issued upon payment of an insurance premium under the conditions of passing a technical inspection to ensure that the car is allowed to go on the road. Only the owner of the vehicle or a representative with a notarized power of attorney can obtain insurance.

Question 2. I moved to Russia and transported property due to long-term residence in the country. I also have relatives who have Russian citizenship who live here. I am an individual entrepreneur and in this regard the question arises: is it possible to use a vehicle for company transportation and do I need to pay taxes?

When crossing the state border of the Russian Federation, you cannot use a vehicle registered abroad to conduct commercial activities for 1 year.
Also, it cannot be transferred to third parties for management, including for official purposes. The benefits for car owners apply for 1 year; taxes do not need to be paid during this time. After the specified period, when registering a vehicle in Russia, an annual transport tax will be charged. Rate the quality of the article. We want to be better for you:

How much does MTPL cost for a foreigner: calculator

Speaking about the cost of the contract, it should be noted that it depends on the terms of insurance. When calculating the insurance premium, companies take into account the basic indicator, which is determined by the type of car and correction factors.

To calculate the exact price, you must use the calculator on the portal.

It is enough to indicate:

the policyholder is a foreign citizen;
period of insurance coverage;
type of vehicle, indicating make and model;
number of horsepower;
details of all approved drivers.

Important! Since all insurers are required to issue compulsory motor liability insurance, based on the results of the calculation, a foreigner will be able to receive an offer from several insurers at once. After studying them, you can make a choice and begin the registration procedure.

Approximate cost of MTPL, for:

15 days – 3,200 rub.;
1 month – 4,800 rub.;
quarter – 8,000 rub.;
six months - 11,150 rubles;
1 year – 15,900 rub.

If a foreign driver buys insurance for a period of less than a year, it will not be possible to renew it by making an additional payment. In such a situation, you will need to reselect the term and pay. If the driver stays in the Russian Federation for a year and signs a contract for a month, the result will be a large overpayment. This is the only disadvantage of obtaining a motor vehicle license for foreigners.

Where can I apply?

A car enthusiast who does not have Russian citizenship can buy a policy in any way convenient for him. Where to buy:

Outside the Russian Federation. You can buy an MTPL contract or a Green Card at the insurer’s office at your place of residence.
When crossing the border. It should be noted right away that buying OSAGO in this way is a big risk. There is a possibility that the insurer's office will not be represented at your place of residence. As a result, you will not be able to claim a loss in the event of an accident or contact the office with another question.
On the territory of the Russian Federation. This is the most popular insurance option. However, there is a risk of getting a fine while the driver gets to the office from the border.
Through the Internet. The most optimal registration option, which saves personal time and allows you to choose an insurance company that will definitely be at your place of stay. We will look at how protection is provided via the Internet below in our article.

Car insurance procedure

Let's look at the step-by-step procedure for obtaining MTPL insurance for a foreign car.

Choose the most suitable insurance company operating in the Russian Federation. The insurer must be a member of the RSA - this reduces the likelihood of becoming a victim of fraud.
Submit an application during a personal visit to the company’s office, or through the insurer’s website.
Provide the required set of documentation. When applying for UISAGO, you need to digitize all papers and send them as an electronic file.
After checking the submitted documents, the policy price will be calculated.
By paying the invoiced amount, the vehicle owner can receive a policy. In the case of UISAGO, insurance is sent to the specified email in digital format.

The procedure for purchasing a policy for foreigners is the same as for Russian motorists.

Where can a foreigner apply for an MTPL policy?

A foreigner has the right to take out a car insurance policy at any Russian company that provides auto liability insurance services. Some domestic auto insurers have foreign branches where you can buy a policy before arriving in the Russian Federation.

Documents for registration

When applying for compulsory motor liability insurance for foreign cars, you need to present a certain package of documentation to the insurance company employees. It includes:

Vehicle registration certificate.
International passport of the vehicle owner.
The rights of all persons who will fit into the policy.
Technical diagnostic card. It turns out in the country where the car is registered.

All papers must be translated into Russian and notarized.

Duration of registration

After presenting the required package of documents, representatives of the insurer check the completeness and relevance of the provided papers. This takes on average from 15 to 40 minutes. After this, an agreement is concluded and a policy is issued. In general, the entire procedure usually does not exceed 1 hour. This time does not include possible waiting in line to see the insurance agent. In order not to waste time in line, it is recommended to apply for compulsory motor liability insurance online, through the company’s website.

The main problems with registration of compulsory motor liability insurance for foreign citizens and ways to solve them

When insuring motor third party liability, foreigners face various problems. Let's look at what difficulties arise and how to deal with them.

Problems when buying a car license:

Refusal to provide the form. When applying in person, insurers often refuse, citing the lack of forms for this category of citizens. It is worth understanding that the form is the same for everyone and does not depend on the status of the policyholder and the type of contract. If you receive a refusal, you must file a complaint with the RSA or the Central Bank.
Additional services. As practice shows, foreigners do not know Russian laws. This is used by insurance managers who, in addition to compulsory motor liability insurance, draw up a life insurance contract. You should refuse the product upon checkout or 5 days after receiving it. In this case, you can save several thousand.
Unlimited contract. This category of drivers, as a rule, buys protection for a short period. Companies make an insurance policy unlimited for the number of drivers. This is necessary in order to borrow more money. The driver can save 80% if he insists and signs the driver in. This right is specified in the rules. If you are refused, you can safely write a complaint.

How to apply for compulsory motor liability insurance for foreign cars in Russia

As in many other countries, motor vehicle liability insurance is mandatory in Russia. Both citizens of the country and foreigners are subject to this rule. MTPL insurance for a foreign car is issued according to the same rules as for cars registered in the Russian Federation.

This option is required in the following cases:

A representative of another state plans a long stay and movement in Russia using transport that is registered abroad
A representative of another country plans to enter and transit through Russian territory using his own transport.
A Russian resident plans to buy a vehicle abroad and drive it in Russia without changing registration.

The only exceptions are cases when a “green card” has been issued for the duration of the trip to Russia. The presence of such international insurance allows cars with foreign license plates to enter the country without issuing a separate policy. The second case when compulsory motor liability insurance is not required for foreign vehicles is if they are registered at embassies or consulates.

To issue a policy, you need documents such as a passport of the vehicle and its owner, a technical inspection card, a driving license, as well as a certificate of registration of a person in Russia.

Registration procedure

To save money and time, we offer to issue compulsory motor liability insurance for a foreigner via the Internet. To do this you will need:

Make the calculation using the calculator on the portal. Select a financial company from the proposed options and click register.
Go to the official portal of the financial institution and register. You will need to provide personal information, phone number and email address.
In the client’s personal account, confirm the conditions for compulsory motor liability insurance.
Fill out all sections of the electronic application: indicate the details of the owner, drivers and the car.
Wait for the results of the verification and registration on the unified RSA website.
Check the E-OSAGO template and, if the information is correct, sign with the code that will be received in the SMS message and pay.

Documentation

It doesn’t matter which method of drawing up the contract you choose, you will need documents to receive the contract. You should prepare:

passport of a foreign citizen or other document to establish identity;
document for the car to confirm ownership;
driver license.

Important! As for the technical inspection form, it is not requested, even if 3 years have passed since the vehicle was released.

Advantages of registration through our website

Many foreign citizens actively purchase protection on our portal. This popularity is due to numerous advantages.

Pros:

the portal cooperates only with reliable participants in the insurance market;
for each client, offers are selected only from companies whose offices are located at the place of residence of the insured;
the client himself decides for how long to buy the form and who to allow for management;
we do not push unnecessary products;
the site works constantly and, if desired, a foreign citizen can always get advice from our expert;
You can make payment under the agreement by card;
there is no need to contact the office to show documents and the car, since the entire insurance procedure is completely remote;
every car enthusiast can save the calculation, think a little and after a while make a purchase;
You can purchase protection even while outside the Russian Federation.