Validity period of compulsory motor liability insurance and insurance period

Additional payment for MTPL policy, or how to extend the period of use

You can extend the minimum period of compulsory motor liability insurance without problems - for this there is no need to buy a policy again or overpay for existing insurance.
All that is required from the client is to indicate for how long your right to travel is extended and pay the remaining amount of the insurance amount. For how many months the extension is issued is up to the car enthusiast to decide. It is not at all necessary to renew the insurance policy for the entire period of its validity! Be careful! If you are late in paying additional payments for car insurance for a minimum period of 30 days after the expiration of the compulsory motor liability insurance policy, you may receive a refusal from the insurer to renew it. He has the right to demand the conclusion of a new contract, which will cost an additional tidy sum.

In accordance with the law, the insurance company extends the compulsory motor third party liability insurance contract one month before its expiration upon request. This is regulated by the provisions of the Civil Code of the Russian Federation on public contracts (Articles 426, 445 of the Civil Code of the Russian Federation).

Based on the law, if the contract expires on August 31, you can file an appeal as early as the 1st of the same month. This is especially convenient if you are planning a trip - after returning, you can immediately get behind the wheel. In addition, contacting the insurer ahead of schedule eliminates the risk of refusal to renew due to the lack of forms. You just need to come on the day specified by the policyholder and get a new policy. In this case, you don’t have to worry about not meeting deadlines.

However, in practice, insurers are extremely reluctant to agree to a preliminary renewal. Most often the following options are possible:

• when renewing with the same insurance company, this can be done 2 weeks before the end of the old period;
• when contacting another insurer, a new contract will be concluded with you no earlier than a few days before the old one is cancelled.

And only in rare cases do insurance companies issue a new document 30 days before the expiration of the previous one. At the same time, it states that liability will arise only after a second inspection of the car. This means that you will have to undergo a technical inspection twice: once when you sign the agreement, after which it will take effect, and a second time when you apply for an extension before the expiration of the current one.

In addition to the question of whether it is possible to issue an MTPL insurance policy in advance and how long before this can be done, it is important to take into account the possibility of a discount on KBM. To receive it, you must have a year of accident-free driving. Here you need to pay attention that exactly 12 months must pass from the date of the last execution of the contract.

Therefore, when applying for new insurance before its expiration date, you need to be prepared for the fact that there will be no recalculation of the CBM, since the required period of time has not yet passed. This means that you will have to buy insurance at the current price, without taking into account the discount for accident-free driving. But if you plan to increase insurance rates, this option may be more economical.

Regardless of whether there are a certain number of days left until the expiration of the policy or its term has already expired, the presence of the owner of the vehicle is required for renewal. Without this, you can extend the MTPL policy only if the applicant has a power of attorney from the owner. This requirement is the same in all cases of applying for insurance.

In addition to the power of attorney, you need to present a standard package of documents that is required when drawing up an agreement, including a copy of the vehicle owner’s passport. Otherwise, the procedure is the same as when contacting the car owner’s insurer: you write an application, present documents, pay for the service and receive up-to-date insurance the same day.

Thus, the MTPL policy can be extended or purchased in advance without waiting for its validity period to expire. This design option has certain advantages that can be useful for the car owner. However, when making such a decision, it is worth taking into account all the nuances of such an appeal to the insurer, which are discussed above.

Can I apply again and when?

July 1, 2015 is the day when electronic and paper insurance contracts were introduced. You can take care of receiving it ahead of time, avoiding queues and last-minute cancellations due to office closures. It is easier to issue an electronic policy than a paper one.

Drivers often take out a new OSAGO policy in advance. By doing this, they do not violate any laws and regulations in force in Russia. They did not set a deadline for when you need to contact the insurance company for new car insurance. Clause 1.12 only says that the driver must apply for a new one as soon as the old one runs out.

In accordance with Articles 426 and 445 of the Civil Code of the Russian Federation, the legislator established a 30-day period for agreeing on the conditions and the same number of days for resolving disputes over the conditions. In other words, sixty days before the end of the old policy, you can contact the policyholder for a new one, until the moment the insurance ends.

The regulatory documents nowhere regulated the deadline for issuing compulsory motor insurance for the new insurance year.

Policyholders recommend applying for it 30 days before the end. Sometimes they do it earlier due to certain life circumstances. Even if you issue it in advance, the new one will be valid from the date the old one expires.

The procedure for drawing up a new contract when applying before its expiration follows the standard renewal scheme. You are required to:

1. Provide the insurer with a package of documents.
2. Write an application for a new OSAGO policy. The law does not establish a uniform form of registration, so each company has its own template that must be followed.
3. Pay the cost of insurance and present the corresponding receipt.
4. Receive a document whose validity period coincides with the issue date. It can be in electronic or paper format, depending on your preference.

Change in the OSAGO / eOSAGO policy

All-season tires can be used during the winter months (December - February) only if they are marked as “M+S”, “M&S” or “MS”.

As an example, let's calculate the cost of an MTPL policy for a driver with no driving experience, under 22 years of age, using a passenger vehicle in Moscow, up to 100 hp. So: we will do the calculation using the formula, substituting the values.

Car owners from other countries are allowed to purchase a policy from 5 days to 6 months. If a week is not enough for a car owner, then you can sign an agreement for a longer period, for example, 30 days. This practice occurs quite often, because the circumstances of a foreigner’s stay in Russia may change, and he will have to stay longer. In the upper right corner of the MTPL policy, the “Validity period of the MTPL agreement” is written, and it is ALWAYS 1 year.

The insurance company has the right to demand payment of an additional insurance premium in accordance with insurance tariffs for compulsory insurance in proportion to the increase in risk.

On the territory of the Russian Federation, the most common period of liability insurance is 1 year. However, few people know that insurance can be purchased for a shorter period.

The KS coefficient is taken into account when calculating the tariff if the period of use is less than a year indicated in the Application for Insurance. The value of the coefficient is determined depending on the number of months of use of the vehicle.

At the same time, even the owner of a passenger car can take out car insurance for a certain period (for example, in the summer for trips to the country) with the condition that he will not use his car for the rest of the year.

Validity period of the MTPL policy and period of use of the vehicle

For how long can you apply for compulsory motor liability insurance? The maximum validity period is 1 year. It is worth noting that this option is the most profitable, you do not have to overpay.

When purchasing for a shorter period of time, you have to overpay as a percentage, although the total amount payable will fall. For example, to purchase a six-month policy you will have to pay 70% of the cost of annual insurance. This provides a one-time saving of 30%, but with a further purchase for another six months, the total overpayment will be 40%.

The advantage of taking out annual insurance is that even if the cost of the service increases, the price for you will be fixed and no additional costs will be required. If you plan to issue a temporary contract, it is recommended to find out in advance the cost of insurance for a year in order to extend the compulsory motor liability insurance if necessary.

When taking out a policy, it is possible to divide the period of validity of the contract. Thus, you can schedule the planned period of use 1 year in advance, for example, 2 months in winter, 3 months in summer and 1 in spring. When paying, the listed number of months is calculated, not the entire year.

Let's consider the ratio of the cost of temporary policy registration in months in relation to the annual cost:

• 3 — 50 %;
• 4 — 60 %;
• 5 — 65 %;
• 6 — 70 %;
• 7 — 80 %;
• 8 — 90 %;
• 9 — 95 %.

By making stage-by-stage payments, citizens who insure their cars under MTPL can, in practice, increase the efficiency of their insurance. By deciding for yourself for what minimum period to insure your car under compulsory motor liability insurance, you can get quite significant savings. Why pay in full for liability insurance on a vehicle that will sit idle for several months of the year?

In any case, it is obvious that if the car's downtime is not so long, it is better to purchase a comprehensive insurance policy. The logic of lovers of “minimalism” is as follows: “In a month of vacation I can do without a car, another three to five months of frost and ice - that’s almost half a year in total. I buy a policy for three or six months, saving the rest of the amount, and then, if the need arises, I will add as much as necessary.” Agree, it is difficult to object to this!

Before considering the specific time periods of the agreement between the insurer and the motorist, you should decide on the answer to the following question: the validity period of the policy and the contract are the same thing or not.

Thus, it turns out that the policy is the “material expression” of the contract between the policyholder and the insurer, its form. Accordingly, to determine the validity period of the agreement between these parties, you just need to look at the policy. In its upper right corner the period of validity of the agreements is indicated.

If we talk about the deadlines established by law for contracts under compulsory motor liability insurance, they are as follows:

1. 1 year is the general rule. That is, if a specific situation does not have any nuances, then the policy is issued for 12 months.
2. 5 days or more – for owners of vehicles registered in foreign countries.
   The law does not explain what the maximum period of validity of the contract may be, but defines the following: insurance is issued for the period the car is in the territory of the Russian Federation. Example: a foreigner came to Russia by car for 3 days. He will have to take out insurance for 5 days, because this is the minimum insurance period. Another example: a person came to the Russian Federation for 12 days. It is more than 5 days. Insurance must be taken out for this period. A situation where a foreign car will travel on the country’s roads for a certain number of days without insurance is not allowed.
3. You can insure a car for up to 20 days in two cases. If the new owner goes to the place where the vehicle is registered. And if you need to undergo an initial or re-inspection.

In Art. 16 of the Federal Law, which has already been mentioned, uses the term “limited use”. According to the provisions of this article, the car owner has the right to insure the car for a period of 3 months, despite the fact that it was stated above: as a general rule, the policy is issued for 1 year.

Insuring for several months is beneficial not only for owners of, say, agricultural machinery that is used only in spring, autumn and summer, but also for ordinary drivers who do not have the money to buy insurance for 12 months.

We would like to add that there are 50% discounts if the offender pays the fine within 20 days. Some sources on the Internet indicate that traffic police officers can remove state registration plates from cars. This information is not current.

Use our online calculator to calculate compulsory motor liability insurance online - compare prices from different insurance companies. Save from RUB 1,498 to RUB 3,980 as the base rate may vary by 20%. No need to go to the office - you will receive an insurance policy to your e-mail

Thus, of course, the size of the fine discussed above is not scary. The scary thing is that the person at fault for the accident, who does not have liability insurance, pays for the damage from his own pocket.

It is worth noting that MTPL policies concluded for any period will always have a mark of 1 year. The number of months is prescribed separately and is called the period of use, which is actually the period during which the driver will use the car.

For example, a driver buys insurance for three months. He can choose a month in summer, a month in spring and a month in winter. How convenient for him. Accordingly, the insurance policy will cost less if you take it out for such short periods. However, if you compare the cost of an annual policy per month and a limited one for 3 months, then an annual one will cost less.

So, how much will the driver save if the period of use is 3 months? The coefficient will be 0.5. To see the full table of coefficients, consider Figure 1.

When concluding an insurance contract, you must always clearly monitor its validity period and expiration. The law establishes a fine of 500 rubles for an expired policy.

It is possible to extend the validity period of compulsory motor liability insurance, limited by periods. It is absolutely not necessary to take out a new policy every time, because, as we have already found out, this can be very unprofitable. If such a need arises, in most cases it is better to purchase a policy for the whole year at once.

justice pro...

The MTPL policy contains fields that indicate the period of insurance and the period of use of the vehicle (vehicle). Next, we will tell you what the period of use of a car in compulsory motor liability insurance is, what is the difference between the insurance period and the period of use; We will explain what consequences the driver will expect when driving a car after the end of the period of use specified in the OSAGO policy.

Vehicle use period - what is it?

The insurance period (validity period of the compulsory insurance contract) as a general rule is one year. What does the period of use of a vehicle mean under compulsory motor liability insurance?

According to Article 16 of the Law on Compulsory Motor Liability Insurance, vehicle owners have the right to enter into compulsory insurance contracts, taking into account the limited use of vehicles that they own or possess.

Limited use of vehicles owned or in the possession of citizens is recognized as seasonal use of vehicles for three or more months in a calendar year (also limited use is driving a vehicle only by drivers specified by the policyholder - about the consequences of driving a car by drivers who are not included in the policy, can be read here).

Thus, the period of use of a vehicle under compulsory motor liability insurance is the period within the insurance period during which the civil liability of the car owner is insured in accordance with the law (insurance only applies to insured events that occurred during the period of use of the vehicle).

Insurance period and period of use

What is the difference between the validity period of the MTPL policy and the period of use? The period of use of the car may be equal to the insurance period (one year), or it may be less than a year. In the second case, a compulsory motor liability insurance agreement with limited use of vehicles is concluded and the policy indicates the period of use of the car required by the policyholder. This is usually done when the car is not used all year round, for example, if you plan to drive the car only during the summer season. In this case, the cost of insurance will be cheaper than the cost of insurance with a use period of one year.

What is the period of use of the vehicle?

The law on compulsory motor liability insurance defines the minimum period for using a car - 3 months. But is it possible to conclude an MTPL agreement for the period required by the policyholder, which is not multiples of a month, for example, 3 months and 20 days? Should the period of use of the vehicle be a multiple of a calendar month? As we have already found out, you can enter into an MTPL agreement for a period (period of use) of three or more months. Those. You can insure your liability for the full number of months.

Is it also necessary to renew the insurance contract for a period that is a multiple of a full month? The law does not provide a clear answer to this question. However, in the appeal ruling of the Investigative Committee for civil cases of the Chelyabinsk Regional Court dated August 1, 2013 No. 11-7914/2013, the opinion was expressed that paragraph 3 of Article 16 of the Law on Compulsory Motor Liability Insurance of such restrictions (the impossibility of establishing a period of use of a vehicle that is not equal to a full month) when changing the contract does not establish insurance.

In addition, a contract with limited use of a car can be extended for a period of less than three months, for example, by 1 month, even if there was a break between the periods of use of the car, because the provisions of Article 16 of the Law on Compulsory Motor Liability Insurance “do not contain any indication of the continuity or indivisibility of the period of limited use of a vehicle during the year” (Cassation ruling of the St. Petersburg City Court dated July 9, 2012 No. 33-10227/2012).

Vehicle use period coefficient

The cost of an MTPL policy indicating a period of vehicle use less than the insurance period will be cheaper than the cost of a policy for a year. To calculate the cost of insurance, the coefficient KS is used (coefficient of insurance rates depending on the period of use of the vehicle). When calculating the cost of compulsory motor liability insurance with a period of use, for example, 3 months, a coefficient of 0.5 is applied. Those. the cost of insurance for 3 months will not be a quarter of the cost of insurance for a year, but half of it.

If you plan to drive a car only during the summer season, then you can conclude a compulsory motor liability insurance contract not for the whole year, but for the number of months you need (the period of use of the vehicle)

How to extend the period of use of the car

By choosing a certain period of use, you can extend (increase) it. In this case, the policyholder is obliged to inform the insurer about the increase in the period of use of the vehicle before the expiration of the period of use of the vehicle specified in the compulsory insurance contract. The MTPL Law refers to the written form of such a message. The insurer makes appropriate changes to the policy upon receipt of such a message. The insurance company has the right to demand payment of an additional insurance premium in accordance with insurance tariffs for compulsory insurance in proportion to the increase in risk.

What happens if the period of use of the vehicle has expired?

If the period of use of the vehicle under the MTPL policy has ended, and the owner of the car continues to drive, then he may be punished in the form of a fine and negative consequences in the event of an accident. You can read about the dangers of driving a car if the insurance period has expired (as you know, after the end of the insurance period, no grace period is given for purchasing a new MTPL policy).

Fine if the period of use of the vehicle has expired

If the period of use of the vehicle has ended, but the insurance period has not yet expired, then driving the vehicle during the period of its use, not provided for by the insurance policy of compulsory civil liability insurance of vehicle owners, entails the imposition of an administrative fine in the amount of five hundred rubles (part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation) .

The period of use of the vehicle has expired and an accident has occurred

If you are involved in an accident when the period of use of the car under the policy has expired, but the insurance period has not yet expired, and you are recognized:

• victims, then you (even if the driver of the damaged car was not included in the insurance) can receive insurance compensation if the person at fault for the accident has insurance (even if he is not included in it). In some cases, you can count on compensation for the loss of marketable value of the car. If the person at fault for the accident does not have insurance, then the damages will have to be recovered from the person responsible for the accident. In this case, you may have to draw up receipts, an agreement in case of an accident, a pre-trial claim, and if full compensation for losses cannot be achieved pre-trial, you will have to go to court. The victim can recover damages from the culprit in the form of compensation for the cost of restoration repairs without taking into account wear and tear, in some cases vehicle repair, as well as damages in the event of a complete loss of the car.
• The culprit of the accident, then your insurance company will compensate for the damage to the victim (even if he is without insurance), but then the insurer has the right to present you with a recourse claim in the amount of the insurance compensation paid to the victim. As you know, payments to the culprit of an accident are not provided under compulsory motor liability insurance.

From the article you learned what the period of use of a vehicle is and how the insurance period differs from it. We also told you what can await a driver driving a car whose period of use under the compulsory motor liability insurance policy has expired.

Posted by:

Ralenko Anton Andreevich

Moscow 2019

Validity period of the MTPL policy

In particular, many motorists are interested in the question of the time frame for which compulsory motor liability insurance can be issued. Before we talk about the timing of registration of a vehicle citizenship, it is necessary to distinguish 3 categories of vehicles, the conditions for obtaining insurance for which differ (N 40-FZ):

1. Vehicles registered in the territory of another state and arriving in the territory of the Russian Federation.
2. Vehicles arriving in Russia in transit.
3. Vehicles continuously operated in our country.

Now let's take a closer look at each group of vehicles. Drivers temporarily arriving in Russia in a car registered in another state must purchase a motor vehicle insurance policy for a period of five to fifteen days.

If the driver drives the vehicle to the place of technical inspection or to the place of registration, he must have insurance for exactly 20 days.

And finally, the main group of car owners whose vehicles are continuously used in our country are required to take out a standard MTPL policy for 1 year.

But here it is necessary to make a reservation that one year is the validity period of the car license agreement, but the owner has the right to choose the period of use of the car himself.

The minimum possible period of use within the annual contract is 3 months. The less the driver uses his car, the cheaper the coveted policy will cost him:

• three months of car use – half the insurance price;
• four months of vehicle use – 60% of the insurance price;
• five months of vehicle use – 65% of the insurance price;
• six months of vehicle use – 70% of the insurance price;
• seven months of vehicle use – 80% of the insurance price;
• eight months of vehicle use – 90% of the insurance price;
• nine months of vehicle use – 95% of the insurance price.

It should also be taken into account that insurance for 10, 11 and 12 months will cost the motorist the same amount. Car owners who chose the first option for the insurance period - 3 months - will be forced to pay half the cost of the MTPL policy for a year, but taking out insurance for six months will cost 70% of the total cost.

If necessary, you can extend the partial insurance period up to a year, and at the same time its total cost will not change. For the convenience of drivers, you can choose a separate period of operation of the car. For example, two months in winter and one in spring. The most important thing in this case is not to delay payments in order to avoid penalties, both from the road patrol service and the insurance company, which can recalculate the insurance cost coefficient for the rest of the term upward.

For people who have their car registered in another country, but who plan to temporarily stay in Russia, the minimum registration period is 5 days.

Basically, this provides an opportunity to settle matters and return home or transit to another country. If this time is not enough, you can apply for 15 days.

For vehicles that are sent to a place of permanent use after repair or purchase, a registration duration of 20 days is used. There is no option to extend or shorten this period. If a permanent insurance policy is not issued during this period, the owner will have to leave the country.

In fact, purchasing short-term insurance is beneficial only if the car is not planned to be used for a long time, otherwise the amount of payment for a permanent purchase of the policy may increase by 2 times.

It is recommended that if the sale did not take place over a period of time or circumstances have changed, simply extend the OSAGO, so you will only have to pay the remaining amount of the annual cost. The basic rule is that you should renew until the insurance expires, otherwise the company has the right to draw up a contract again.

It is most economical to buy for the period you plan to use. If there is no need for a car for some time, you will be able to save 5-50%. Otherwise, you will only have to spend a little time renewing the contract.

For residents, compulsory motor liability insurance is issued for 1 year, then a re-drafting of the insurance contract is required.

First, you should understand the difference between two important definitions that characterize compulsory motor liability insurance for registration:

1. Validity of car insurance. It is always unchanged and equal to one calendar year.
2. Time to use the insurance policy. It is adequate to the period during which the driver expects to operate his vehicle, and at a maximum is equal to the policy year.

According to Art. 1 of the Federal Law “On Compulsory Motor Liability Insurance”, under a compulsory insurance contract, the insurer, having received money from the policyholder in a certain amount (calculating it is a separate story), assumes the following obligation: in the event of an insured event, pay the victim or several victims in an accident money, in damages account. The upper limit of payments is limited by law, but that is not the point.

If the contract expires, the insurer’s obligation to compensate the victim for damage will not be relevant, because the company that issued the MTPL policy undertakes to comply with the agreements during the period of validity of the policy.

Thus, if a driver whose insurance is expired causes an accident, he will have to pay for the damage out of his own pocket. The insurance company rightly noted that at the time the incident occurred, there were no agreements.

In addition, according to the Russian Federation Traffic Regulations, driving a vehicle without insurance is an administrative offense for which the relevant Code provides for liability.

What is the minimum possible in our time?

Car owners have the opportunity to obtain insurance for a short-term period, which is three months for individuals, and six months for legal entities. By making the insurance period shorter, the vehicle owner significantly reduces the amount of the required payment, but taking out a policy 3 times a year will still be more expensive than concluding one annual contract. The price segment of short-term insurance varies disproportionately to the number of months. If insurance is issued for 10 or 11 months, then in this case there is no discount at all.

Annual car insurance has a fixed price, so when the cost of insurance increases, a car owner with an annual policy benefits much more. Moreover, the insurance period can be divided into several stages.

When concluding a contract, you can specify certain months, which in total can amount to the entire insurance year. For example, 2 winter months, 2 summer months, 1 autumn month and continuing in this vein. Payment will be taken into account only for all months of the calendar year.

When a car is registered abroad, the owner will be able to obtain a policy for a period of 5 to 15 days. A car owner who is heading to his place of permanent residence must insure his car in this case for 20 days. If the driver's journey lasts much longer, he must purchase a one-year policy or leave the country. Car owners whose vehicles are not used for the entire calendar year can take out insurance for a significantly shorter period. In 2021, to register a car with the traffic police, you must pay a state fee of 1,500 rubles.

Federal Law “On Compulsory Motor Liability Insurance” and Rules for Compulsory Motor Liability Insurance

The minimum period of MTPL insurance varies depending on the type of car, place of registration and some other factors. So, if a vehicle is registered and registered outside the Russian Federation, the minimum time for it is 5-15 days. For transit vehicles or vehicles heading to the inspection site, a time period of 20 days is established.

For the first two categories, questions should not arise - everything is clear there. As for the third category of auto insurance subjects: it all depends on whether the owner of the technical equipment is an individual or a legal entity. For the first group of citizens, a three-month minimum period is established, for the second - a six-month minimum (in the case of using special technical means, sanitary, agricultural equipment, etc.) period for issuing a policy.

The methodology for calculating such incomplete insurance is based on the functional dependence of its cost on the time of use. If the policy is intended to be used within three months, you will need to pay half of the entire amount for it - a coefficient of 0.5 is applied. The longer the policy is expected to be used, the closer the coefficient approaches one.

Since no additional documents are drawn up when concluding compulsory motor liability insurance for a minimum period, it means that you must be very careful: if the period of use of the vehicle goes beyond the time frame covered by the policy you purchased, any traffic police officer has the right to apply penalties, since this will be considered driving without a valid insurance policy.

Based on what has already been stated, we note that the MTPL policy ceases to be valid. Past agreements between the car owner and the insurer are not taken into account. But calling OSAGO invalid is wrong. More precise wording:

• inactive;
• expired;
• expired.

Based on the norms of legislation, in particular civil law, a document that is drawn up with any violations of the law is considered invalid.

If the policy meets all current requirements, but its validity period has expired, then it cannot be called invalid. He's:

• made using official form;
• issued in accordance with the rules provided for by law;
• an insurer who has a license and other necessary documents, an insured who owns a vehicle and is legally competent.

But this is all a discussion about wording. By and large, it does not matter whether the policy is called invalid or inoperative. It is important that if the date and time of expiration have arrived, then there are no longer any obligations between the parties to the contract.

Many car owners approach the choice of insurer very lightly, citing the fact that “the cost is the same almost everywhere.” They also often cite as an argument the fact that even if the insurance company goes bankrupt, the policy will still be in effect.

How long can you insure a car?

One car insurance contract includes two different concepts:

• the validity period of the contract is the period for which it is concluded between the owner of the car (or another person with a power of attorney for management) and the insurance company. According to the legislation of the Russian Federation, the duration of the auto insurance contract is equal to one calendar year (Clause 1, Article 10 40-FZ), with the exception of certain cases;
• the period of use of the vehicle can be equal to either a calendar year or a smaller number of selected months, depending on the plans for using the vehicle. You can apply for compulsory motor liability insurance for a year, but indicate the period of use of the vehicle - the summer months, if the car is used only during this period.

Important! If the document is issued for specific months, then the MTPL policy is valid only during this period, despite the fact that the insurance contract is determined for a period of one year.

A valid MTPL policy allows you to avoid penalties when stopped by a traffic police officer, as well as pay for damages to the injured party in the event of an accident at the expense of the insurance company.

Minimum MTPL insurance period in 2021

Owners of vehicles registered in foreign countries and temporarily used on the territory of the Russian Federation enter into MTPL agreements for the entire period of temporary use of the vehicle, but not less than 5 days (clause 2 of Article 10 40-FZ). The owner of the vehicle has the right to enter into an MTPL agreement when moving the car (driving to the place of registration or the place of inspection) for a period of up to 20 days (clause 3 of Article 10 of the 40-FZ).

The total cost of the insurance policy depends on the choice of period of use of the vehicle.

Maximum term

Many drivers are concerned about the question of whether it is possible to issue compulsory motor liability insurance for 2 years? According to paragraph 1 of Art. 10 of Federal Law No. 40-FZ of April 25, 2002, the policy period is one year. After this period, the contract must be re-concluded. The driver can turn to the services of a new insurance organization or “stay” with the old one.