Every motorist driving a vehicle is obliged, on the basis of Federal Law No. 40, to take out MTPL insurance. In a standard situation, the document is issued for one year, but there are also situations when this period is reduced. Most often, a temporary document is required when purchasing a car in one locality and needing to drive it to another. In this option, transit MTPL insurance is issued, which allows you to receive compensation when an insured event occurs.
In 2013, an administrative regulation came into force in the Russian Federation, eliminating the need to obtain transit numbers for individuals. Simplified rules for car registration also provide for the possibility of producing transit-type license plates to replace lost ones. They are required only when traveling outside the state borders.
A temporary MTPL policy is issued according to current rules for a period of up to 20 days. This period is provided for in Article 10 of Federal Law No. 40. This time period is sufficient to move to any region from Kaliningrad to Vladivostok.
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Despite the limited period of use, such compulsory motor liability insurance provides all the benefits offered by a standard policy. The contract is concluded for the period the vehicle owner does not have a primary policy, but not more than 20 days. Valid for the period until the vehicle is permanently registered at the place of registration of the owner.
When is transit insurance required?
Federal Law No. 40 in Article 10, paragraph 3 “Validity of the compulsory insurance contract” specifies the conditions under which it is necessary to issue a transit insurance contract:
- The vehicle is removed from permanent registration to be placed at a new location;
- the car was purchased in another region and needs to be transported to the place of official registration.
A special feature of the MTPL transit policy is its increased cost. It is due to the growth of potential risks.
The procedure for registering motor insurance for transportation
In principle, if you have read other articles on our website, then you should be aware of how a regular ordinary compulsory insurance policy is issued. As for the registration of compulsory motor insurance for the haul, we can also say that there are practically no differences. For those who are not in the know, we will tell you about the entire procedure for applying for a compulsory motor insurance policy for haulage further.
So, at the beginning it is worth saying that any driver whose car is legally owned by him can receive compulsory motor insurance for driving. When concluding an insurance contract, this document will need to be provided to any insurance company.
Next, to successfully obtain a compulsory motor insurance policy for haulage, you will need the following package of documents:
— Any document, preferably a passport, identifying the owner and his authority to own the vehicle (if the application was submitted by a person driving the vehicle by proxy);
— PTS or STS (passport or vehicle registration certificate);
— A document confirming the right of the driver (or other persons authorized to drive) to operate a vehicle with a validity period not exceeding the limits of temporary compulsory motor insurance for the haul;
— A diagnostic card that will certify to the insurance company that the vehicle has passed inspection and is technically sound;
— Some companies may also require you to provide a certificate from the traffic police, which will confirm your accident-free driving.
After submitting the above documents to the insurance company, it does not have the right to refuse you, however, in many cases, the company resorts to various tricks and sends you for additional inspections, which is therefore absolutely inconvenient for the policyholder who urgently needs to move the car. This is how companies weed out potentially unprofitable customers.
If you contact, you will never encounter such a problem; with us you can take out a compulsory motor insurance policy for driving in any, even the most difficult situations. Our specialists will issue you a policy within one hour, and if you are in another region, we will send the policy using a delivery service.
We remind you that after the expiration of the MTPL policy for driving, namely 20 days, you will need to issue a long-term insurance contract, otherwise it will be impossible to drive the vehicle and in case of violation will be punishable by a fine from the state.
Main differences of transit insurance
Externally, the policies are no different. To fill out, use the standard OSAGO form.
The MTPL transit policy is issued for a period of up to 20 days, and not for the standard one year. Dates are entered in the fields located at the top of the form. Exceeding the period is punishable by penalties.
The difference between a temporary document and a standard one is the cost. It may differ several times.
Please note that updated forms are currently in effect.
The insurance period of up to 20 days is entered in the same way as the standard one. It is indicated in special columns. This also applies to the electronic version of OSAGO.
For what periods and for what purposes can it be issued?
| Amount of days | Design goals |
| 5-10 days | Driving a car to its destination within one area. The policy is necessary for the safe passage of the vehicle and the preparation of all necessary documents. Obtaining full insurance with technical inspection and permanent registration of the car. |
| 10-15-20 days | Transit insurance for moving a car from one region to another and subsequent registration of the car on an ongoing basis. |
Who can take out MTPL transit insurance?
A transit MTPL policy with a limited validity period is most often issued by:
- directly the owner of the vehicle;
- its buyer;
- third party.
If it is drawn up for a third party, he or she must additionally obtain a power of attorney to use the car. It is not listed in the list of required documents, but the insurance company may require it.
Including the data of a third party in the list of persons entitled to drive a car helps to avoid preparing a power of attorney. The number of such citizens is not limited by law.
Does the traffic police accept the MTPL transit policy?
Undoubtedly! For employees of the State Road Traffic Safety Inspectorate, the MTPL transit policy is the basis for traveling on this vehicle. The only condition is the proper execution and relevance of the document.
IMPORTANT
The validity period is 20 days from the date of registration. This period of time is enough to independently drive a car from Kaliningrad to Vladivostok. Consequently, the operation of a vehicle after the expiration date is equated by traffic police officers to the absence of a “motor citizen” and is punished accordingly (Administrative Code 12.37 part 1 in the amount of 500 rubles to 800 rubles)
Where is the transit MTPL policy sold?
Registration is carried out at any insurance company. This could be one where the vehicle was already in the database or a new vehicle. Given the short-term nature of the application, a personal visit in such a situation can be replaced by filling out documentation online.
An alternative option is to purchase a transit OSAGO policy through dealers (agents) and brokers.
Registration through insurance agents
The advantages of applying include the willingness to perform activities outside the office. You can arrange a meeting with such specialists at any convenient place. Risks include numerous cases of fraud. Insurance companies provide clients with a list of insurance agents who work with them. This information is posted on the UK website. If they are not available, you can ask the insurer’s representatives by telephone for clarifying questions.
Contacting brokers
Brokers operate similar to insurance company agents. But in such a situation, the policyholder can compare the conditions of several insurance companies at once. Insurance brokers work with a large number of insurance companies. Representatives of such organizations are ready to select the most profitable option. It is also advisable to clarify the organization with the insurance company whose transit policy you plan to issue.
How to get a?
If the car is used, then you need to contact any office of any insurance company. If you purchase a car at a dealership, the policy can be issued at the place of purchase. Here is a detailed algorithm of actions :
- Select an insurance company.
- Contact the office with a statement.
- Provide a package of documents.
- Carefully check the data in the MTPL agreement for errors.
- Transfer the cost of transit insurance to the insurer.
How can I contact the insurer's office?:
- Personally.
- By phone.
- Online via electronic application.
- Through a representative, having issued a power of attorney.
- Through a courier, who will not only issue insurance by proxy, but also bring home the policy, contract and transit numbers.
Procedure for purchasing MTPL transit insurance
If you visit the policyholder on your own, you will need to take with you:
- passport;
- driver's licenses of the buyer and seller;
- vehicle passport with registration data;
- diagnostic card (for temporary insurance it becomes an additional document, the mandatory provision of which has not been required in recent years).
Additionally, a certificate in the form confirming the absence of accidents is accepted.
When sending a request for a transit OSAGO policy online, the list is saved. Document numbers are entered in the fields provided on the application form. A plus is the hints that simplify the design. To get them, just hover the mouse cursor over the line.
The insurance company verifies the data with those specified in the RSA. The applicant is sent an email with information about the cost of the MTPL transit policy. Payment is made using any payment systems, transfer from a bank card. Payment information is sent to RSA. The electronic policy is downloaded using the provided link. If it is not available in printed form, it is enough to inform the traffic police inspector about its availability. The data will be checked against the RSA database, to which every traffic police officer has access.
Do you need to take out transit insurance while you are driving to the place where your car is registered?
A very common question that car enthusiasts ask us. For example, you bought a used car, the previous owner deregistered it, and you need to get to the traffic police and register the new car again. Is it necessary to take out a transit policy in this situation?
You can use the vehicle without insurance after completing the purchase and sale agreement for no more than 10 days. During this period, you can safely drive a car without compulsory motor liability insurance. But there is a certain risk. If during this period you become involved in an accident, then all the costs of eliminating the consequences will fall on your shoulders. This needs to be taken into account. Therefore, in this situation, some drivers prefer to take out transit insurance for a minimum period.
What is the cost of obtaining MTPL transit insurance?
The cost of a transit OSAGO policy is determined by taking into account the base rate multiplied by the coefficients. Including horsepower.
| Vehicle power (horsepower) | Price |
| 70-100 | from 1630 |
| 100-120 | from 1800 |
| 120-150 | from 2100 |
| Over 150 | 2400 |
The minimum cost of a policy for delivery to another region, provided to an unlimited number of people, is from 1,700 rubles. A slight adjustment is possible due to the driving period of motorists and some other indicators. The formula includes:
Tariff*short-term insurance coefficient*power coefficient*driver age and experience coefficient
Using a formula helps determine the price in advance. Calculators are located on the UK websites.
The cost of a transit OSAGO policy is determined by law. For this reason, it is almost identical across different insurance companies.
Features of temporary insurance
A policy issued for a car with transit license plates provides financial payments to the vehicle owner in case of road traffic accidents in which people were injured or property was damaged.
But the car owner will not always be able to receive compensation. Cases covered by transit compulsory motor liability insurance:
- If a pedestrian receives life-threatening injuries.
- The temporary policy owner's car was damaged.
- If the accident caused harm to the health or life of another driver and his passengers.
- Damage to property that does not belong to the owner of transit insurance.
Monetary compensation will not be paid in the following situations:
- The temporary policy has expired.
- Participants in road accidents, including pedestrians, suffered only moral and not physical harm.
- The damage was caused by the cargo the vehicle was transporting.
Financial compensation may not be paid in cases not specified in the contract. Every car owner is obliged to carefully read the terms and conditions of temporary insurance and study all the risks for which he will receive money.
What is the validity period?
The duration of use of a temporary MTPL policy for passenger cars is 20 days. During this period, the vehicle must be transported to another region and registered.
The periods provided for specialized equipment are shorter. For such vehicles, a MTPL transit policy is issued for up to 5 days. Also, a foreign citizen who wants to insure his car with temporary MTPL insurance will have to do it in a short period of time. It is 5-15 days.
The car owner has the opportunity to terminate the transit OSGAO agreement ahead of schedule. For example, it took only a week to move a vehicle. It is enough to submit an application to “your” IC. She is obliged to return the balance of unused funds. However, all money will not be returned. The overall figure is reduced by the cost at which the insurance company prices its services.
Briefly about OSAGO
OSAGO auto insurance allows the injured party to receive compensation for damage in the event of an accident. Therefore, all vehicle owners were required to purchase policies. This document eliminates unnecessary expenses in the event of an accident involving them. But you should understand that the culprit restores his health and car at his own expense.
Briefly about OSAGO:
- Guarantee of receiving compensation for damage in cash or in the form of vehicle repairs at a service center.
- In fact, it is not the personal car that is insured, but the car of the injured party, that is, the driver’s liability in the incident.
- Compensation is paid in the amount of up to 400 thousand rubles. for repair work or restoration of health.
- Having a compulsory motor liability insurance policy when traveling around the country is mandatory, so every driver must purchase it. Otherwise, a fine will be issued.
- The minimum validity period of a standard policy is one year.
But not everyone needs a full-fledged document, so operators offer temporary insurance for 20 days. They allow you to protect yourself during the period of transport from one region of the country to another for sale or as a gift to a relative. In the event of an accident, the injured party can receive compensation in full, which will reduce the costs of the culprit after the incident.
Transit insurance OSAGO online
Online services allow you to obtain a transit insurance policy without additional loss of time. To do this you will need:
- perform an analysis of offers on the official websites of various insurers;
- choose the option that is convenient for you;
- go to the official website;
- register;
- receive an electronic key to the specified email address;
- go to the subsection to apply for temporary compulsory motor liability insurance;
- carefully fill out all fields provided in accordance with the instructions provided;
- certify with an electronic signature;
- submit for consideration;
- wait for a positive review result based on the RCA database;
- get an electronic version;
- print it (not a mandatory option; traffic police officers have access to the RSA database, in which they will check the data).
The MTPL transit policy is considered valid from the moment the RCA data is confirmed.
Cases for registration
Transit-type compulsory motor liability insurance is issued only by owners or responsible persons who are driving a new car or registering a car. If a motorist does not meet the 10 days allocated for all legal procedures, he will have to apply for compulsory motor insurance to avoid fines.
For what periods and for what purposes can it be issued?
There are maximum and minimum time frames for transit insurance. It can be issued for a period of 5 to 20 days in accordance with the legislation of the Russian Federation. The car enthusiast will be able to use this time to register his car. Also, MTPL insurance provides additional protection for the driver if an accident occurs.
In practice, not all insurance companies offer MTPL service packages for 5, 7 or, for example, 12 days. Many large representatives of the market have transit insurance only for 20 days - minimum. Others offer to issue for 10, 15 or 20 days. This results in some drivers having to overpay.
Who can take out transit insurance?
Any adult, capable citizen of Russia who drives his or her own car has the right to obtain MTPL transit insurance. Depending on the purpose of obtaining this type of compulsory motor liability insurance, there are two categories of people who may require a transit car insurance policy for up to 20 days:
- owners of recently purchased cars;
- third parties who transport the car to the place of sale.
Possible pros and cons
The use and registration of a transit OSAGO policy has its pros and cons. Benefits include:
- the ability not to provide a diagnostic examination card;
- affordable cost, on average 20% less than the price for a regular policy option; if these parameters seem large, it is worth taking into account the increased degree of risks that the insurance company is trying to provide for;
- quick registration, including the prospect of completing actions through the insurance company’s website.
Owners may also encounter some disadvantages of transit insurance:
- limited period of validity;
- extension is not provided; a new one must be drawn up, with the conclusion of a new contract.
The high degree of risk makes it difficult to purchase from agents or dealers. It is advisable to contact insurers directly.
Urgent purchase
Urgent insurance may be required if there is an emergency need to transport the car. In this case, experts recommend contacting insurance companies that provide their services 24/7. You can also use the online service to independently obtain a temporary MTPL policy. Or use the services of insurance brokers. They cooperate with several insurance companies at once, so the owner has the opportunity to choose the optimal conditions for concluding an agreement.
Possible failure
A significant disadvantage is receiving a refusal from the insurance company to apply for transit compulsory motor liability insurance. Such situations occur quite often. However, the insurer usually does not explain the reasons for the incident.
Controversial situations are considered in court, but the short duration of the process of moving a car often does not allow turning to this authority. For this reason, when applying for transit compulsory motor liability insurance, it is worth taking into account the likelihood of refusal:
- there is an increase in the expenditure limit for registration of compulsory motor liability insurance, which amounts to three payment limits or payments in excess of two million rubles;
- the ban can be imposed by a system that automatically calculates the company’s potential losses;
- During maintenance, a significant excess in the cost of spare parts installed on the vehicle was revealed.
The federal legislation of the Russian Federation does not recognize such reasons as justified.
A request to the insurance company employee to record in writing the fact of refusal to issue transit compulsory motor liability insurance helps to resolve the problem. Such a recording can later be used in court. As a rule, companies do not accept written confirmation of their unwillingness to comply with the legislation on compulsory motor insurance. And the problem is resolved out of court.
The applicant has the right to file a complaint against the actions of the insurer with the RSA. Such a statement indicates the name of the structure and the name of the employee. You can also complain to the FAS, the prosecutor's office, and the Central Bank of the Russian Federation.
Advantages and disadvantages
The MTPL transit policy offered by each insurance company has both advantages and disadvantages. Let's consider the positive and negative aspects that the owner will have to face when choosing this type of protection.
| Advantages | Flaws |
| The owner does not need to provide a diagnostic card to conclude an agreement. | Short validity period. It is no more than 20 days from the date of registration of transit compulsory motor liability insurance. |
| Price. Despite the short period of validity of the policy, its price will be approximately 20% lower than the classic option. Some drivers claim that the total amount is inflated for such a short period of time. In this case, it should be remembered that the insurance company seeks to protect its assets from increased risks as a result of operating a vehicle without registration with the traffic police. | Impossibility of extension. Insurance companies refuse to renew the transit insurance contract. The owner will need to provide a new package of documents and enter into a new contract. Its period also cannot exceed 20 days established by law. |
| Possibility of registration online through the UK website. | Possible refusal of the insurance company to provide transit compulsory motor liability insurance. The reason for this may be increased financial risks (for example, a young driver plans to independently drive a vehicle from Kaliningrad to Vladivostok), possible exceeding the payment limit, etc. |
Additional information
As a result of an appeal, the insurance company sometimes refuses to issue a transit OSAGO policy. In this case, one should not give up if the owner is determined to obtain protection from this particular company. You should contact the representative of the insurance company with a request to record the refusal in writing, indicating the reasons for such a decision. The legislative framework of the Russian Federation does not give insurers the right to refuse the owner. Therefore, most companies strive to resolve the issue out of court and accommodate persistent owners. The result is the conclusion of a temporary MTPL agreement, which gives the right to move the car on legal terms. If the owner does not have the time and desire to prove the illegality of the insurance company’s actions in court, then experts recommend turning to another organization that provides this financial product.
What insurance cases are covered by transit insurance?
Transit OSAGO covers all insurance cases provided for in Federal Law No. 40. The duration of the validity period does not matter. Insured events under MTPL transit insurance are divided into two large groups:
- received as a result of a collision while the vehicles were in motion;
- cases of accidents between a moving vehicle and a parked car.
The algorithm of actions depends on the cause of the incident.
The vehicle was involved in a collision while driving.
Transit OSGAO applies to participants in an accident that occurred while vehicles were moving, resulting in an injured party.
The insurance company must be notified of the incident within 15 days after it occurred. There is a limit of 400 thousand rubles. The funds are sent not to the owner of the MTPL, but to the injured party. If the culprit is not identified, the issue is resolved by contacting the traffic police or law enforcement agencies.
Damage caused by a traffic accident between a moving vehicle and a parked car.
An insured event may be an incident that results in damage to the vehicle and the culprit is known; the insurance company will compensate for the loss.
For example:
While driving past a parked car, the driver became distracted and crashed. The parties are known. The case is insured.
To return the cost, you will need to promptly contact the insurance company. The owner independently collects the maximum package of supporting materials showing the possibility of using the vehicle title.
What happens if I don’t apply for compulsory motor liability insurance on time?
Driving is the most common option for passenger vehicles; it is insured under short-term CASCO insurance. The point is simple:
- the car drives under its own power;
- on a trailer from another vehicle or independently with the carrier’s driver;
- all external packaging materials are removed so as not to interfere with movement;
- additional expenses of the buyer (or seller, here as the parties agree) - for fuel and lubricant.
Since in this case we are not talking about the transportation of cargo, but about the passage of a car, then CASCO will be included for moving the car. That is, the subject of insurance is transport, its wear and tear is taken into account, its technical characteristics and the qualifications of the person driving it are important. The validity period of the insurance is strictly limited to the scope of delivery from the seller’s site to the buyer’s home (garage).
In case of an accident due to my fault
The insurance company will not pay for the damage to the injured party. You'll have to pay yourself
If stopped by the traffic police
You will be fined 500 rubles or given a warning. Sanctions depend on the loyalty of the traffic cop
1. In case of violation of the rules for operating a vehicle and driving a vehicle of the corresponding type, provided for in Part 1 of Article 11.8.1, Article 11.9, Part 1 of Article 12.3, Part 2 of Article 12.
Features of transit insurance in Moscow
Getting a motor vehicle license in the capital is often offered with minimal financial conditions. The sites offer registration at a price of 1200 rubles. This “advantageous” offer does not include the following when registering:
- obtaining insurance for the first time;
- the owner has a negative insurance history;
- evacuation;
- departure of an emergency commissioner and other additional options.
In most cases, transit insurance with a minimum cost is offered not by the insurance companies themselves, but by intermediaries. It is convenient for experienced drivers to buy an MTPL policy with their help. It is advisable for a novice driver to contact insurers personally.
What are the features of such insurance?
It is worth considering that the specified 20-day period applies exclusively to passenger cars and trucks owned by citizens of the Russian Federation. But for foreigners, the validity of the transit policy is limited to 15 days, or, when special equipment is purchased and transported to a new location, the period is reduced to 5 days.
Sometimes car owners need to take out a MTPL insurance policy for 2 weeks, hoping that the cost will be lower. But taking into account the category coefficients of the CTS and the current draft law of the Russian Federation, drivers have only 2 options:
- Make a short-term policy for a period of 20 days, and the minimum coefficient will be 0.2 to calculate the price.
- Issue compulsory motor liability insurance for 1 year, but limit it to 90 days, and the coefficient for calculation will be about 0.3.
This type of insurance is called “15-day”, although in fact its validity period lasts a maximum of 20 days. This is due to the fact that in practice, technical inspection of a vehicle and registration are carried out within 5 days and then it is not necessary to issue a policy. The main reason for this is the close connection between temporary insurance and temporary license plates, which the owner receives immediately after purchasing the car. Therefore, it makes no sense to extend the period of validity of transit OSAGO for a period exceeding the validity period of such temporary numbers.
Nuances
The procedure for obtaining a MTPL transit policy for moving a car has certain nuances. One of them is the purchase of a policy both by the car owners themselves and by a third party by proxy. The payer is included in the policy. The number of motorists included in transit OSAGO is not limited by law. Any person has the right to become an insured, not only the direct owner, but also a citizen who will directly drive the car during the period of validity of the transit policy.
In this situation, the principle applies according to which the car belongs to its owner, and the policyholder becomes the owner of the policy. In the event of an insured event, the owner receives all payments for damage caused in the event of an emergency. But only the policyholder has the right to make any changes to the contract. He has the right to terminate the motor vehicle license with all payments due in this process.
In the event of an insured event, the MTPL transit policy provides a full list of rights in the area of calculating insurance payments, just like a policy issued for a year. If there is no insurance, the owner will be fined up to 800 rubles. This amount can hardly be called critical for the majority of citizens of the country, but the fact of imposition has a negative impact on the driving history without violations. And this, in turn, can negatively affect the receipt of the next document.
When is it necessary to obtain compulsory motor liability insurance for hauling?
As we mentioned above, MTPL for driving is a short-term insurance contract, which is concluded for a certain period of time necessary for the driver to move the car. It is always, of course, better to take out a compulsory motor insurance policy for driving with a reserve, so as not to run into the fact that the policy will cease to be valid while you are still on the road.
Previously, this type of insurance was not available to citizens of the Russian Federation, but over time, the authorities and the Russian Auto Insurance Union came to the conclusion that the distinction between insured events occurring in the short and long term must be included in the law on compulsory motor insurance.
Thus, based on all of the above, we can summarize and list the main reasons when issuing a temporary compulsory motor insurance may be necessary, and you will see for yourself that it represents a much greater benefit than compulsory motor insurance for the whole year.
So, temporary compulsory insurance is issued not only for haulage, but also in the following situations:
— The need to deregister the vehicle with the traffic police in order to then re-register it, but at a different place of registration;
— Moving a car in connection with its purchase in another city or country, and therefore it must be transported to the owner’s place of residence;
— Transportation of the car to the inspection point to obtain a diagnostic card in order to conclude a long-term insurance contract.
Speaking about the benefits that a driver receives from a compulsory motor insurance policy for driving, it is worth saying that this is a guarantee of peace of mind and protection from insured events that may arise when the vehicle does not have a registration number or when a long-term compulsory motor insurance policy has expired.
However, along with this, the policyholder will also have to pay not as little money as he would like, since temporary use for a short period helps to increase the coefficients. We remind you that you can take out a compulsory motor insurance policy for haulage at the lowest price. We cooperate with all leading insurance companies and can find you the best offer on the market.
