Renewal of insurance for another car

Types of car insurance

Every driver needs insurance. It will be needed to register the car with the traffic police and to compensate for damage in an accident. Car insurance can be compulsory (OSAGO) or voluntary (hull insurance).

OSAGO.

Drivers are prohibited from driving without a compulsory insurance policy. If during registration the traffic police did not request insurance, they will in any case ask for it in the future. The first time you will be fined 800 rubles for driving without a policy, the second time - 5000. The third time - deprivation of your driver's license.

The MTPL policy only insures the driver's liability on the road. If he caused an accident, the insurance company will compensate the injured party for the damage.

The insurance company will not compensate for damage if:

• the driver was at fault for the accident and his car was damaged;
• the driver demolished a billboard or pole;
• the car was stolen;
• spontaneous combustion occurred;
• hooligans broke car windows or removed tires.

If the driver is involved in an accident, he informs the insurance company about the incident within 5 days. The insurance company makes a decision on payment within 20 days. If the time is up and the insurer has not yet made a decision or has not paid the money, penalties are applied to him by law.

DSAGO.

A voluntary civil liability insurance policy will be needed in cases where the driver wants to increase the amount of insurance payments to the injured party from 500 thousand to a million rubles.

To receive an insurance payment under MTPL, the damage to the injured party must be more than 160 thousand rubles - the maximum one-time payment under MTPL.

The DSAGO policy refers to voluntary motor insurance and comes only as an annex to the compulsory motor liability insurance policy; It cannot be purchased separately. Insurance companies set the price for a DSAGO policy depending on engine power, year of manufacture of the car, driver experience and other factors.

Casco

. A comprehensive insurance policy covers more risks compared to compulsory motor liability insurance. If you get into an accident, knock over a billboard, or someone else’s car blows off your bumper in the parking lot and runs away, the insurance company will compensate for the damage. If the car is stolen, under a comprehensive insurance policy the insurance company will pay 100% of the market value of the car. To receive payments for insurance claims during the year, the driver must pay the full amount of insurance in advance.

Casco is always more expensive than OSAGO. But it is not issued to cars older than 5 years or if the car has a low market value.

"Green map".

If the driver is planning a trip abroad, he must additionally obtain a “green card” - a mandatory insurance policy for driver liability abroad. If you get into an accident in another country, your insurance will cover the damage.

Life insurance.

You can register your life and your passengers. The amount of payments reaches a million rubles.

How to apply for an insurance policy?

You can issue a policy at the offices of the insurance company or on its website, as well as through the MFC and the “Unified Agent”.

Through MFC.

Find out which branch in your region can issue insurance. Call the MFC hotline +7 (by region) and make an appointment to avoid standing in line.

Through "Unified Agent".

The website of the Russian Union of Auto Insurers contains a list of insurance companies where you can issue an electronic MTPL policy.

The system includes only verified and licensed insurance agents. Select any company from the list, follow the link and register on the insurance website. You can link your profile to your State Services account, and the system itself will take the necessary documents.

If you take out a policy through the MFC or the “Unified Agent”, you are guaranteed to receive payments, even if the insurance company goes bankrupt.

How to renew your MTPL policy online - instructions

The introduction of e-MTPL has made life easier for car owners. The MTPL policy can be issued around the clock, without leaving your home. Insurance companies have lost the ability to manipulate the imposition of additional services. By law, every licensed insurance company is required to issue electronic policies.

Insurers have a similar procedure for prolonging insurance:

1. Log in to the insurance company's website.
2. We find a valid MTPL policy in the list of contracts.
3. Click the “ Extend ” or “ Extend ” button.
4. Fill out the application and provide the required information. If necessary, we edit the list of persons admitted to management. For cars older than 3 years, indicate the diagnostic card number.
5. We confirm the information.
6. We do the calculation and save.
7. We pay by credit card, following the instructions of the system.

After payment, an electronic MTPL policy, insurance rules, a receipt for payment and notifications of an accident are sent by email (printing in duplicate is required). If nothing has arrived within 24 hours, you should contact the insurance company. To make adjustments to the current policy, a corresponding application is drawn up in your personal account.

When renewing insurance by an individual, the login and password specified during authorization in your personal account replace the electronic signature. For legal entities, an enhanced electronic signature is required.

E-OSAGO is no different from paper. Since 2021, amendments to the traffic rules have been in force, eliminating inconsistencies with No. 40-FZ. Drivers with e-MTPL no longer have to print it out and carry it with them. The traffic police inspector is presented with an electronic version on the gadget screen. Just in case, it is advisable to print out a paper version (no access to the Internet, your smartphone or tablet is dead, etc.).

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

If technical problems arise on the insurer's website or there are no numbers to assign to new policies, a redirect to the RSA website (with the user's consent) is made to select another insurer.

The classic renewal scheme on the RSA website looks like this:

1. We go to the section “ OSAGO Policies ”.
2. Go to the section “ Apply for compulsory motor liability insurance through RSA ”.
3. Select the item “ Renewal through RSA ”.
4. We fill in the necessary data (type of car, horsepower, approved drivers, year of manufacture, etc.).
5. Indicate your phone number and email.
6. We make a preliminary calculation and save.
7. We confirm the correctness of the entered data.
8. We issue and pay for the policy, following the prompts of the system.

For drivers who do not want to change insurers, it is advisable to activate automatic renewal (most insurers offer such a service). There is no need to submit an application for extension. You just need to pay in advance. Insurance is renewed automatically after the expiration of the previous policy.

What documents are needed to obtain insurance?

To obtain insurance, the driver needs:

• application - usually completed on site at a branch or directly on the website;
• passport of a citizen of the Russian Federation;
• driver license;
• original PTS and vehicle registration certificate;
• original certificate of ownership of the car;
• technical inspection and diagnostic card;
• old policy, if any.

To submit an electronic application, documents are required in electronic form. The driver is given 10 days from the date of purchase of the car to obtain insurance.

What is needed to obtain MTPL insurance for a car?

Taking out car insurance is a fairly simple procedure. To insure your car you need:

• choose an insurance company where compulsory motor liability insurance will be issued;
• collect the necessary documents;
• provide them to the insurance company, choosing the most convenient method.

The procedure for obtaining MTPL insurance is now standardized, so the set of documents and the fee for issuing a policy will not differ, no matter which insurance company you contact.

The cost of the service depends on the year of manufacture, make of the car and other factors.

After reviewing the documents and if there are no violations, a movable property insurance contract is signed. Let's take a closer look at what is needed to obtain an MTPL insurance policy.

Do you want to get insurance without additional services? Use our free service to select insurance.

List of documents for registration of an MTPL policy

To apply for a policy, you must write a corresponding application to the insurance company - a sample of filling out an application for concluding an MTPL agreement is provided.

Required documents to obtain car insurance:

• passed a technical inspection of the car (diagnostic card), this can be done at any service station;
• vehicle technical passport, car registration certificate, for a recently purchased car you need a title;
• ID card (passport);
• driver's license (you can get compulsory motor vehicle liability insurance without a license only when you take out a policy for an unlimited number of people);
• power of attorney - required when concluding an insurance contract for a vehicle that is not the personal property of the authorized person.

The application form for compulsory motor liability insurance is very simple; it contains all the data.

applications for compulsory motor liability insurance

It is also possible to apply for compulsory motor liability insurance without a technical inspection - this option is provided only for recently purchased cars.

Many people are interested in whether it is possible to insure a car without a driver’s license. This can be done provided that you take out a policy for an unlimited number of drivers; the cost of such insurance is 80% more expensive.

Documents for OSAGO renewal

The MTPL contract is concluded for a period of one year, after which the insurance must be renewed. To do this, you will need to provide a list of documents the same as for issuing a primary insurance policy:

• personal statement;
• identification document (passport);
• registration certificate or any other vehicle registration document;
• old OSAGO policy;
• driver's licenses for persons authorized to drive a car;
• car diagnostic card.

Since 2015, there has been a contract renewal service via the Internet.

Rules and procedure for obtaining an MTPL policy in 2021

The new rules for issuing an MTPL policy in 2021 require the implementation of several points of the plan, which everyone is recommended to adhere to in order to avoid wasting time and money.

Insurance application process in 2021:

1. Choosing an insurance company.
2. Submitting an application to the insurance company and collecting the other documents listed above.
3. Contacting the insurance company.
4. Registration and receipt of insurance in hand.

Rules for filling out the OSAGO insurance policy form:

• It is mandatory to check each clause of the contract for compliance in order to eliminate possible errors;
• the OSAGO form must contain the signatures of both parties, the date of conclusion of the insurance contract, and the seal of the insurance company;
• the insurance form must not contain corrections;
• You can fill out the MTPL policy both in paper and electronic form via the Internet.

After completing all the formalities, the applicant receives:

• a paper MTPL agreement with a seal, signatures of both parties and a special state sign;
• originals of personal documents;
• original or copy of the receipt for payment of services from the insurance company;
• insurance memo and MTPL rules;
• two copies of accident notifications, if there are not enough of them, you can contact the insurance company for additional copies.

When submitting an application via the Internet, the completed contract is sent by email; you just need to print it out.

How to choose an insurance company?

Fraudsters operating under the guise of insurance companies sell policies without a license. The fine for providing fake insurance to the traffic police is 5,000 rubles. To avoid falling for attackers, pay attention to several points.

License.

Ask the insurance company to see their license. You can check the authenticity of the license for the right to sell compulsory motor insurance or motor insurance on the website of the Bank of Russia. If this is an insurance broker or agent, ask him to present a certificate that allows him to represent the interests of the insurance company and sell the insurance policy.

Reputation.

Check the reputation of the insurance company - mentions in the media, social networks, recommendation services, news on the RSA website. Look at what they write about the company in independent ratings.

Experience.

Find out how many years the company has been offering services on the market. To do this, ask to see the constituent documents and articles of association.

Volume of insurance payments.

Find out in what cases the insurance company refuses to pay the insured amount and what affects its volume. Ask what the maximum lump sum amount will be paid under the comprehensive insurance policy and what may affect it.

If you already have an insurance policy, you can check its authenticity on the RSA website.

How much does car insurance cost?

There is no fixed price for registration of comprehensive insurance or compulsory motor liability insurance. For each driver, the insurance company makes an individual calculation based on:

• car brand;
• Year of release;
• models;
• modifications;
• engine power;
• the period for which the insurance is issued;
• region of residence;
• region of registration of the owner;
• the number of drivers allowed to drive;
• age and experience of each driver.

If the car is older than three years and has a low market value, the insurance amount will be lower. If the car’s power is 100–120 l/s, then the policy for it will be cheaper. To get a discount or reduce the cost, you need to take out insurance in the same place where the driver lives and is registered. If there is only one driver driving a car, over 30 years old and with extensive experience, insurance will cost him less than a young driver.

If the driver previously had a policy and a good insurance history, he can receive a 5-10% discount. To calculate the cost of your policy, consult your insurance company or use special online calculators.

What should you pay attention to in a contract?

When you have chosen an insurance company and are ready to enter into a contract, read it carefully. Please note the following points.

Period for notification of an insured event.

This is the time in which the driver must inform the insurance company about the accident. Under standard conditions, notice is given within three days. If this period expires, the insurer may refuse to pay. Then you will have to compensate for the damage yourself.

Franchise.

Franchise can be unconditional or conditional. With an unconditional deductible of 20 thousand rubles in the event of an accident, the payment will be reduced by this amount. If the deductible is conditional, then the insurance company will pay money only if the damage exceeds 20 thousand rubles. Insurance with deductibles costs 20–40 thousand rubles less.

Wear calculation.

From the insurers' point of view, the car loses up to 15–20% of its original value. Find out how the insurance company will calculate payment annually - based on the age or mileage of the car.

Amount and procedure of insurance payments.

It is possible that, under the terms of the contract, in the event of a second insured event, the company may reduce the amount of payments or automatically include a deductible in the calculation of compensation.

Documentation.

If it is stated that the insurer can request those documents that it needs without a pre-agreed list, there is a risk that payments will be denied due to “missing documents”.

Time to decide on payment.

Usually this is up to 30 days. If this item is not there, ask to be added, otherwise the insurer may delay the process for 3–6 months.

Specify how the damage will be assessed - by a special examination or based on invoices from the service station. Ask in what cases payments will be denied. If the contract states that the insurance company will not pay in the event of a gross violation of traffic rules, it should not be signed. The insurance company will be biased towards any insurance claim.

Is it possible to simply transfer the insurance to another car?

Unfortunately, you cannot do this yourself without breaking the law. When preparing a contract, information not only about the owner, but all the main technical parameters of the vehicle are entered into the database and document. They also influence the size of the insurance premium. Therefore, it is impossible to simply transfer data from one policy to another.

However, there is a way to return unspent money on the old policy by investing it in the registration of a new one.

To do this, you need to write an application for termination of the contract in connection with the official sale of the car. Bring documents from the traffic police about deregistration, from the tax authorities, an agreement and an act on the transaction, that is, the sale. The insurance company will cancel the policy by returning funds for the unused period. Moreover, if such a clause was separately specified in the agreement, the company can recover its losses by deducting compensation for early termination (usually up to 20%).