When is it permissible to obtain a “motor citizen” without a diagnostic card and what will be needed for this? Find out all the secrets of obtaining a “car title” for new and used cars.
According to the Code of Administrative Offences, driving a car without a motor insurance policy is an offence. But to obtain it, you need to prove to the insurer that the car is in proper technical condition. The vehicle owner can do this in only one way: by showing a legally completed and valid diagnostic card form. A very popular question among drivers is whether it is possible to issue or renew an MTPL policy without a diagnostic card, and how to do this? Let's look at all the options available to a car owner for concluding a car insurance contract.
Basic facts about OSAGO
An MTPL policy is a document issued for a specific vehicle indicating the persons who can drive it. Its presence is mandatory; for absence there is a fine.
Let us note that, first of all, the owner of the car needs the policy, since in the event of an accident that was not his fault, he will receive compensation for repairs.
In the absence of insurance, all costs fall on the shoulders of the car owner. Today, registration of compulsory motor liability insurance is permissible both through personal application and through the official websites of insurance companies. The cost of the policy and the conditions for obtaining it are identical regardless of the form of purchase. The price depends on the number and experience of drivers, the presence or absence of an accident involving the car.
OSAGO is more expensive for reckless drivers
But first things first. Amendments to the law were published on the official Internet portal of legal information. In accordance with them, from the moment of publication, that part comes into force that cancels the obligation to provide a diagnostic card when purchasing a policy. That is, this amendment has already entered into legal force. And it applies to all contracts concluded from March 1.
This was adopted due to the fact that due to quarantine measures, car owners had difficulties passing inspection. In many regions, service centers are simply closed. Therefore, buying insurance was a problem. Now there is one less problem.
But we must keep in mind that after September 30, car owners are required to undergo a technical inspection and present a diagnostic card to the insurer within a month, no later than October 31. However, the government received the right to increase these periods, but not by more than 90 days.
If the car owner does not pass the technical inspection, the policy will continue to be valid. And if he causes an accident, the insurer will pay compensation to the victims. But he will be able to submit recourse claims to his client for the entire amount paid.
If the car owner does not pass the technical inspection, the insurer will issue him a recourse in the event of an accident
90 days after publication, that part of the amendments that is aimed at even greater individualization of the tariff comes into force.
Now the insurer can set a tariff within the tariff corridor established by the Central Bank for the region. Now the insurer will be able to set a tariff for each driver personally. If the client does not bring losses to the company, he can be assigned a tariff at the lower level. Now for passenger cars of individuals it is 2,746 rubles. If a client constantly has accidents and the insurer constantly has to pay for it, then he will be assigned a tariff at the maximum level - this is 4942 rubles.
All coefficients that are in effect now will remain when this part of the amendments comes into force. The coefficient for territoriality will remain, as well as depending on engine power, which it was recently proposed to remove. But a new factor will be added that increases the cost of insurance. Namely, for gross and repeated violation of the rules.
The cost of the policy will increase for those who have had their license revoked for driving while intoxicated or for an accident in which people were injured or killed. And also for those who were deprived of their rights for refusing a medical examination or leaving the scene of an accident.
Also, an increasing factor will be established for such repeated violations during the year as driving through a prohibiting traffic light or a traffic controller's gesture, speeding by more than 60 km/h or driving into oncoming traffic. But provided that these violations were not detected automatically. It is clear why such an exception was made, because with automatic recording it is not known who was driving and committed these violations.
It is surprising that the list of traffic violations does not include driving in the opposite direction on a one-way road. And this is a separate composition and a separate article of the Code of Administrative Offenses.
What this coefficient will be is still unknown. It should be installed by the Central Bank. The Central Bank has been given 90 days to develop a new directive that will establish a tariff corridor and coefficients.
Conditions for purchasing insurance
A compulsory car insurance policy is a document giving the right to receive compensation from the company in the event of an accident. It is advisable to familiarize yourself with all registration rules in advance. So, the key conditions for purchasing insurance include:
- the policy is issued for one year;
- registration of insurance is possible both online and by receiving a paper copy at the company’s office;
- the owner has the right to choose any licensed company, and that, in turn, cannot refuse to issue it, but sets its own prices.
We also note that if the owner does not provide an inspection certificate in the list of documents, and the car is older than three years, then the company inspects the vehicle independently. When registering for compulsory motor liability insurance, a diagnostic card guarantees that the machine is in good working order and can be used.
The need for technical inspection
The serviceability of a vehicle is a mandatory element of the normal process of its operation. Please note that monitoring is carried out annually. In the first three years, car owners are exempt from undergoing maintenance, since it is believed that all its systems are in good working order.
From a logical point of view, the process is defined as follows. To drive a car you must have an MTPL policy. Its registration is possible if you have a valid diagnostic card. This, in turn, is obtained after passing a technical inspection. If there is no technical inspection, then by law you cannot use the car.
What the law says
On June 1, 2011, Federal Law No. 170 “On the technical inspection of vehicles and the compulsory compulsory motor liability insurance policy” was adopted. But over the course of the year, significant shortcomings were identified, so in December 2012, amendments were made to the Law on Compulsory Motor Liability Insurance.
They came into effect in January 2013. The amendment related to the diagnostic card, which became a full replacement for the technical coupon.
Innovations have made life much easier for many motorists, as paperwork has become simpler, and in many situations the driver has found himself more financially protected.
Previously, a temporary policy could only be obtained to move a car to the place of new registration, but now it is allowed to issue it to deliver the car to the place of maintenance.
This innovation allowed drivers to refuse the mandatory service of a tow truck, since previously they had to deliver their car to the inspection point only with this condition.
Now, in order not to break the law and transport your vehicle yourself, you can take out a temporary policy for twenty days.
The revised paragraph 3 of Article 10 of the adopted Federal Law of 2011 explains in what situations it is possible not to present a maintenance document when applying for a policy.
It also legislates the possibility of issuing a temporary policy in certain cases provided for in this paragraph.
Paragraph 3 cancels the rule on the six-month validity period of the technical inspection document. Previously, in order to purchase an insurance policy, it was necessary to have a maintenance certificate valid for six months.
Now you can renew your policy even with a document that expires in a few days.
The original law, with its ill-conceived aspects, made subsequent reform regarding road transport and car owners much more difficult.
As a result, after several years of action of the new standards, there are proposals to completely cancel technical inspection. Taking out car insurance without maintenance is now practiced in Georgia.
Many people believe that even after passing a technical inspection it is difficult to completely identify a car malfunction; for this it is necessary to do a full diagnosis every six months.
But, despite this, the technical inspection established by law reveals various significant shortcomings of the car, and most car enthusiasts consider this measure a necessary “vaccination” against many of the car’s ailments.
Thanks to the adopted law and the introduction of amendments, insurance companies were forced to make payments under compulsory motor liability insurance without technical inspection, which were previously controversial and most often the car owner received a refusal.
There are still quite a few controversial issues, but over time they will be resolved legislatively. We should not forget that attempts to save money on insurance documents can lead to dire consequences.
What is Kbm OSAGO, you can find in the article: Kbm OSAGO. The rules for terminating the MTPL agreement are discussed here.
Find out how to check your MTPL policy using the RSA database in this article.
In what cases is maintenance not necessary?
There is a legal possibility
avoid technical inspection, and therefore do not receive a diagnostic card. Owners of vehicles no older than three years are exempt from it.
The law states that the diagnostic card is a mandatory document when applying for a policy. But if the driver presents a title in which the year of manufacture of the car is less than three years, then a certificate of its technical condition is not required.
It is important to know! The MTPL policy and technical inspection are closely related, but it is not needed for new cars. Obtaining compulsory motor liability insurance without maintenance is possible only under this condition.
Is it possible to get a policy without maintenance?
The OSAGO policy itself is not linked to the vehicle diagnostic card. When insurance was issued for only a year, and the inspection period itself should end earlier, the policy remains valid.
In the event of an accident that occurred during the period of expiration of the technical inspection, insurance companies may not make the required payments.
You can take out compulsory car insurance without a technical inspection in several cases:
- if vehicles are exempt from technical inspection;
- for a trailer up to three tons, which belongs to a private person;
- if the car is new and the first technical inspection is not yet necessary.
According to the law adopted in 2011, the deadlines for obtaining technical inspections began to apply in January 2012. New cars do not have to pass it for three years.
But this law does not apply to vehicles that regularly transport freight and passengers. Their inspection period is limited from three to six months.
Since 2013, the inspection ticket has been abolished and now the car owner can undergo inspection where it is more convenient for him without being tied to the place of registration of the car. Instead of a coupon, a diagnostic card was introduced.
Inspection from the insurance company
In order to save time, but not money, it is permissible to undergo a technical inspection directly from the insurance company. The advantage is that the company is interested in selling the policy, which means it can turn a blind eye to some shortcomings.
As for the shortcomings, the main one is a superficial inspection of the car. In addition, insurers charge significant money for such a service. Other methods of obtaining insurance without a diagnostic card, which can be called not very reliable, include:
- Purchasing MTPL with a diagnostic card is a technique practiced by some companies.
- Involvement of an insurance broker who will take care of collecting documentation.
Attention! Some motorists still falsify certain documents. It is not recommended to practice this method, since it not only carries administrative responsibility, but also risks when driving a car. A technical inspection and compulsory motor liability insurance policy can be obtained immediately from the insurance company.
Is it possible to buy MTPL without maintenance in 2021?
According to current legislation, new passenger cars are exempt from mandatory technical inspection for four years . Consequently, within four years from the date of the first purchase of such a car, OSAGO can be issued without a diagnostic card.
There is no need for maintenance to obtain transit insurance (for 20 days) , which is necessary to move a car from one territory to another.
For other car owners, a kind of quarantine support program has been developed at the state level, thanks to which from March to September they can apply for a “car citizen” without leaving home . Thus, due to quarantine in 2020, motorists can buy an OSAGO policy online without a technical inspection (MOT) and subsequent receipt of a diagnostic card.
In electronic format, everyone can buy a policy at the best price by studying the offers of different insurance companies. After receiving the document by email, you should print it out and have it with you in the car , since many traffic police inspectors still continue to demand e-MTPL from drivers on paper, refusing to accept the policy on the smartphone screen.
Responsibility for issuing a policy without a diagnostic card
You may or may not encounter the consequences of using a policy purchased without a diagnostic card. On the one hand, a lot depends on luck, on the other hand, it’s better not to take risks and arrange everything according to the law. Let's consider what consequences are possible with such an approach:
- A traffic police officer will discover that compulsory motor vehicle liability insurance has been issued without undergoing a technical inspection and will impose a fine.
- Refusal to pay compensation by the insurance company in the event of an accident. The company will indicate that the technical inspection was not passed, will pay an insignificant fine to the state for issuing a document without a diagnostic card, but will avoid large payments for an insured event.
It is important to know! Inspection and purchase of MTPL most often take no more than one day, but can take a week. It is not recommended to let the coupon expire; it is better to issue compulsory motor insurance and undergo maintenance before the contract expires. Timely replacement of the policy is the responsibility of the driver. If you do not renew an expired document, there will be penalties.
Registration of a motor vehicle license online without a diagnostic card: description of legal methods
In most cases, the insurance company does not have the right to draw up an auto liability contract if the policyholder does not have a valid vehicle diagnostic inspection card. However, there are certain situations in which it is possible to issue an MTPL policy even without a diagnostic examination card, namely :
- Owners of vehicles for which the law does not require a technical inspection can sign up for an MTPL contract without a valid diagnostic inspection card.
- Owners of new cars that are not yet 3 years old can also obtain a vehicle license without a technical inspection.
- In the event that the car is sent to the place of inspection, the driver can also enter into a civil liability agreement without a contract.
Only these three exceptional cases allow you to issue an auto liability policy without a technical inspection of the vehicle. In any other situation, you must first undergo a diagnostic inspection to purchase an auto liability policy.
If your diagnostic examination card expires after you have already concluded a compulsory insurance contract, you may not renew it until a new MTPL contract is concluded.
There are no fines from the traffic police for an expired inspection ticket . And in the event of an accident, the insurance organization does not have the right to refuse payment due to an expired diagnostic examination card.
Fines for fake MOT documents
Today, drivers who use vehicles without undergoing regular technical inspections face a fine. Its size is determined by the circumstances and situation in which the offense was discovered.
A bill is also being considered that would impose special liability, including imprisonment, on sellers of counterfeit diagnostic cards. Today they are punished with fines, but, of course, more than ordinary drivers and car owners pay. Delay in the contract is also dangerous, as it entails a number of sanctions.
It is possible to obtain an MTPL policy without a diagnostic card, but it carries potential risks. Every car owner must decide whether he is ready to put himself in danger when driving a car in order to save time and effort. Companies that provide licensed policies include: RESO, Alfastrakhovanie, Ingosstrakh, Rosgosstrakh. All of these companies are on the RSA list.
Documents for maintenance
When the owner of the car decides to undergo a technical inspection for compulsory motor liability insurance, in addition to the car itself, a full package of documents is provided, among which are:
- Personal passport or other document that will prove your identity. In certain situations, a power of attorney is also provided, on the basis of which another person has the right to perform these actions on behalf of the owner.
- Documents for the car itself. This includes, in addition to the passport for the car, also the certificate that was issued when the car was registered with the traffic police.
If these basic documents are missing, the specialist has the right to send the car back to collect the necessary papers. Thus, you will receive a refusal, and the money paid as a fee will not be returned.
When everything is approved, an agreement for the provision of this type of service is concluded between you and the center that will carry out the inspection. It is this that will serve as the basis for subsequent claims, if any, as well as for making all necessary payments.
Why is it worth getting tested in advance?
In fact, the new rules should not affect conscientious drivers in any way. However, in practice, during the first months, motorists may encounter queues at technical service stations. According to Sravni.ru Insurance Director Alexander Krainik, currently the register of the Russian Union of Auto Insurers includes only 5,077 technical inspection operators, where you can issue a diagnostic card. The stations themselves are most often located in a city or regional center. This means that other residents of the region have to travel far for diagnostics. Moreover, by March 1, the number of accredited operators may decrease even more; not all of them will meet the new requirements, which means they will be excluded from the database.
“Due to photographic recording and uploading of this data to EAISTO, the time required to complete the technical inspection will increase. And the number of diagnostic cards issued by one service will be limited. This will create a collapse of technical inspection points,” explains the expert. “At the same time, the diagnostic card itself is connected with the issuance of compulsory motor liability insurance - in the end, you can get behind the wheel when the compulsory motor liability insurance expires, and you cannot go to the inspection station - after all, without compulsory motor liability insurance you cannot drive, and you cannot buy compulsory motor liability insurance, because you need to get to the station.”
To avoid this, it is better to make a new diagnostic card in advance, before updating the procedure.
Consequences
Since insurance company agents are interested in getting the maximum number of customers who apply, they try to find numerous ways to do this. This also includes the issuance of policies without existing valid diagnostic cards. They receive bonuses and premiums, and you will not be able to receive anything if insurance claims occur. The fact is that such an agreement will be declared invalid, since without an inspection card the car does not have the right to appear on the roads and streets.
There will be savings, but they are insignificant. There will be no need to undergo inspection at technical centers, and this reduces costs by only 600-800 rubles. And the transport itself will not need to be brought into proper shape, and everything necessary for inspection will not be done in it.
In addition to the fact that you will be refused payment of amounts for an insured event, since in its original form the contract was not in the correct form and was drawn up illegally, you may also encounter another option - the insured amount will be paid. But at the same time, the cost of losses will be recovered from you. For this purpose, a recourse claim is created, which is filed in court. There were almost no cases where the court refused to support the claim. For this reason, you will still have to pay.
This all tells us that, even having received a policy on such grounds, you will drive the vehicle in exactly the same way as without it. He will not be able to provide any help if necessary.
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Create a vehicle diagnostic card
A vehicle diagnostic card is a special document that has a specific form established by law. It includes:
- Document name, registration number and series;
- Validity period of the document;
- Details of the car for which the card is issued;
- State registration number of the car - SRTS, PTS, serial number of the diesel body, engine and chassis number of the car, vehicle category;
- Test results;
- Date of passage and other important points.
