How to easily renew your MTPL policy online

When should you renew your insurance policy and to what extent?

Of course, we recommend renewing your policy in advance so as not to miss the moment and not receive a fine for driving with an expired document. Is it possible to renew expired insurance? Yes, but with a small caveat: the insurer will not do this if the previous insurance expired more than 30 days ago. We'll have to re-enter the contract.

The earliest you can renew your insurance is 60 days before the expiration date. So you can safely apply two months before completion.

The insurance period is usually 1 year, but it can also be extended for 3 or 6 months. For 1 month - not possible .

How long does it take for insurance to become effective and when should it be taken out?

According to the current legislation, every vehicle owner must purchase a compulsory motor liability insurance policy in a timely manner. Its delay or absence can lead to administrative liability or more serious consequences if you get into a traffic accident. Therefore, when the insurance period expires, it is better to issue it in a timely manner by visiting the office in person or using our service. In this article, we will look at when the electronic MTPL policy begins to operate and for what period it is advisable to renew it or reissue it with another insurance company.

The opportunity to obtain insurance is available not only to the car owner himself, but also to persons who have notarized a power of attorney to drive the vehicle. If the delay occurred due to the fault of the insurance company, then you can continue to drive the car, but only if you have a certificate from the insurer indicating that the policy is being prepared for issue. But if there is an expired OSAGO, then a fine cannot be avoided.

How many days in advance can you renew your MTPL policy? The law does not set a specific period, but there is an indication that upon expiration of the period the car owner needs to have a new policy in hand. And given the fact that the new insurance will not take effect immediately, but only after some time, it is worth taking care of this in advance.

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.

Renewal rules

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Renewal of compulsory motor liability insurance via the Internet takes place on the website of the company where the policy was previously issued. To make the procedure more reliable, it is recommended to create an account on the State Services portal or log into the RSA website through your personal account. Both resources provide access to the pages of reliable accredited companies when requesting insurance renewal.

Each insurer's website usually contains step-by-step instructions for renewing your policy online.

After you have entered the page with the necessary data, all that remains is to enter the information in the application form. The form to fill out is posted directly on the website. The user only needs to fill in each column sequentially.

If a previously issued policy is saved in your personal account, the applicant should use it as a template and send a request for renewal.

After confirming the application using an electronic signature, all that remains is to pay the cost of the policy. The program calculates the renewal price automatically. Depending on the company’s policy, a company employee will call the applicant back, ask over the phone to confirm the request received and clarify the payment procedure. Also, after submitting the application, an online payment form may open. It is enough to enter the bank card number from which the cost of the policy will be debited.

After insurance employees check the information entered by the client and the specified amount is credited to the company’s account, the policy is sent electronically to the email address specified during registration. If desired, the car owner can print out the received document and take it with him to present to the traffic police.

This action is not necessary; the demands of traffic police inspectors to present the policy on paper are illegal.

How to renew an electronic MTPL for a car online?

Here are the step-by-step instructions:

1. Go to the official website of your insurance company and log into your personal account. Don't have access to your account? You can register by providing personal information, or call the company’s hotline - they will help you with obtaining access.
2. Find and select an extension service (the wording may be different, but the essence is the same).
3. Enter the required information - most often you do not need to enter all the data again, because it is already contained in the database.
4. Enter the parameters: for how long you will extend it, are there any changes in the number of persons admitted to management.
5. Pay the invoice issued to you by card.
6. The policy will be sent to your e-mail.

In this way, you can renew not only e-OSAGO, but also regular (“paper”) insurance. Don't forget to make a printout so that the inspectors don't have any questions. OSAGO for a car purchased via the Internet is the same full-fledged document.

Usually there are no particular difficulties with this procedure. There are situations when a failure occurs in the databases, and for some time it is impossible to check valid documents. But this happens extremely rarely.

Methods for renewing an MTPL policy at VSK

Insurance house "VSK" is a large systemically important company in Russia. The organization has more than 500 customer service offices in all regions of the Russian Federation. In addition, the insurer has a modern and multifunctional website. It is capable of completely replacing a service office. Only here, instead of an insurance agent, the user himself selects the company’s insurance products, fills out forms, scans and sends documents. There are 2 available options to renew your OSAGO VSK insurance policy:

1. Visit 1 of 500 service branches.
2. Go to the insurance company website and renew the contract online.

In the first case, the policyholder will receive a classic paper OSAGO policy. This option is suitable for those who have little understanding of Internet communications and are skeptical about intangible contracts. In the second case, the user will receive an e-OSAGO electronic policy. Its main feature is that the document is located in virtual space. Both auto insurance policies have equal legal force.

Paper OSAGO and electronic e-OSAGO have one significant difference. The online contract becomes valid only 3 days (72 hours) after registration. That is, figuratively speaking, you cannot go to the VSK website, buy or renew an expiring policy and immediately go on a road trip. You'll have to wait 3 days. The regulations were established by Directive of the Central Bank No. 4723-U dated February 15, 2018.

Renewing your policy at the company office

You can renew your MTPL at a VSK branch, subject to its availability in your locality or nearest city. Take your ID, license and car documents with you. The insurance agent will fill out the contract and print out a new MTPL policy. It will indicate the start date. If you are not a VSK client, then the KBM discount will be guaranteed to be provided to you. Because the assigned class is the driver’s personal rating. Information about it is stored in the general RSA database. All insurance agents use it when calculating the cost of compulsory motor liability insurance.

Renewal in VSK personal account

Renewing your MTPL policy online on the VSK website is available to both the insurer’s clients and drivers insured by other companies. Beginners need to register in their Personal Account. To do this, prepare a working mobile phone. The renewal process looks like this:

1. On the main page, in the Menu, click “Auto” and then “More details”.
2. Select "OSAGO online".
3. Click “Renew” (next to the “Calculate and buy policy” button).
4. Enter your phone number. Receive an SMS code and activate it to register in your Personal Account.
5. Fill in the form. Receive the invoice and pay it.
6. Open the letter from VSK by e-mail. Attached you will find the pdf file. This is e-OSAGO. Download it to your smartphone or tablet.

The original electronic contract will appear in your Personal Account in the “Current Policies” section. Now your risks are insured by VSK.

What if changes were made to the documents?

If, for example, you changed your last name or reissued one of the documents, the extension can be carried out using the old data. But after that, you still have to come to the company’s office and ask to make changes to the current contract. The fact is that if you provide incorrect information, you may have problems with insurance payments - even to the point that the policy is declared invalid.

When is this impossible to do?

There are very few such cases:

1. If you bought a car registered to the previous owner.
2. If the car is registered outside the Russian Federation.
3. If the database does not contain information about your passing the next technical inspection.

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 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).

Correctly filling out the application

When submitting documents, the policyholder will need to write an application to renew the insurance. Insurers independently develop its form, but the content remains the same. The form contains the following information:

• details of the policyholder's passport;
• information about the car;
• data on citizens who have the right to drive a vehicle;
• duration of insurance;
• period of use;
• driver's license details.

Sample application for concluding an MTPL agreement. Page 1 Sample application. Page 2 Sample application. Page 3

When contacting the insurance company, you must have the following documentation with you:

• passport;
• state registration certificate and vehicle registration certificate;
• driver's license;
• diagnostic card for the car.

If the driver of the car turns to the insurer where the car insurance agreement was previously drawn up, then the documentation package can be reduced.

It is enough for the insurer to present the old OSAGO form. Using the document number, the insurance employee will find the necessary information about the citizen in the intradepartmental system.

Driving a car without valid auto insurance on paper or electronic media is prohibited by law. The offense is punishable by a fine of 800 rubles. The owner of the car can begin to renew the insurance agreement 30 days before the end of the validity period of the existing policy.

Some insurance companies provide their clients with an additional month to renew their previous auto insurance form. That is, after the end of its validity period, the car owner must contact the insurer within 30 days. In addition to the discount for accident-free conditions, citizens who repeatedly apply to the same insurer are entitled to an extension of the current agreement on preferential terms.

Expert opinion

Mironova Anna Sergeevna

Lawyer and lawyer for automobile law. Specializes in administrative and civil law, insurance.

Some insurers refuse to issue car owners with new car insurance if there are more than 7-14 days left before the expiration of the previous one. In this case, the citizen can send a complaint to the RSA or to the management of the insurance company. The letter must be accompanied by a written refusal by the employee to renew the contract.

According to the legislation of the Russian Federation, the policyholder has the right to contact his insurer with an application to extend the insurance contract within 60 days from the end of the previous contract.

To renew the car insurance agreement, the car owner can contact:

• to an insurance company;
• to a car dealership;
• to an insurance agent, broker;
• to the official website of the insurer.

A citizen can apply for a new car insurance policy at the insurance company where the previous policy was purchased. If it does not suit the driver, then you can choose an organization with more favorable insurance conditions.

To renew a car license agreement, the driver will be required to do the following:

• the owner of the car needs to go to the insurer or use his personal account on its official website;
• give the insurer a package of documentation with an application for insurance renewal;
• transfer a certain amount of money to the insurance account for a new policy;
• pick up new car insurance.

The procedure for renewing the MTPL agreement via the Internet

Expired insurance is invalid and in the event of an accident, the car owner will be required to compensate the injured party. The Element Agency carries out the renewal of the MTPL policy in Moscow for individuals, enterprises and organizations. The contract extension is carried out in the office; a company representative can visit the client at his request.

what satisfied customers say / all reviews

Georgiy

Many thanks to manager Arvid for being able to quickly sort out the problem with the OSAGO coefficient. Literally fought with the insurance company for me. Good luck to you guys!

Alexander

Thank you for such fast delivery of the policy. We have a legal entity, but they don’t yet make electronic MTPL for legal entities, but the guys brought the policy in just an hour.

Paul

Thank you for your detailed advice during the accident. I called Element and they instructed me in detail about my actions in the event of an accident. I wanted to thank them, and they said that the best consultation is a good review on the website. Everyone would work like that.

Arsen

Dmitry helped us deal with the problem. I got into an accident, it was my fault, 2 months later I received a letter from my insurance company that I owe them compensation for the costs of repairing the car I drove into. It turns out that I had to notify them about the accident, since we used the Europrotocol. They actually have such a rule. But Dima helped me avoid this!

Anton

Professionals in their field. Even the courier knows a lot about insurance. He told me a lot of nuances about how to behave in an accident. Thank you!

Natalia

I would like to convey a big thank you to your manager; unfortunately, I don’t remember his name. He filled out the policy very quickly and answered in detail the thousand questions I threw at him.

Catherine

Great service from the guys. It is very convenient that there are all payment methods. Transferred money via PayPal

Evgeniy Mikhailovich

I signed up for compulsory motor liability insurance directly on the website. Didn't talk to anyone. I quickly entered all the information and received a calculation, and the data for my car was found automatically, and I only entered my car number. “What progress has come!”

Since the second half of 2015, the online sale of compulsory insurance policies has been introduced in the Russian Federation. At the first stage, the largest market players provide the opportunity to extend insurance. These include the Rosgosstrakh company, with which our agency has been cooperating for several years.

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 extend the MTPL policy without a technical inspection?

Sometimes insurers require you to bring your vehicle for inspection . This condition is not considered legal, since clause 1.7 of the Rules states that the insurer itself decides on the need for technical inspection. If the car owner does not want to drive the car, then insurance must be carried out without presenting the vehicle. By analogy, the issue is with the extension of the MTPL policy. In other words, insurance agents cannot require a mandatory inspection.