OSAGO at the place of registration of the car or owner

There are many reasons why people are forced to leave their homes and move to the other side of the country. This could be study, a business trip, examination of a sick or elderly relative. It also happens that a person sells an apartment, but the search for a new one drags on for months. Situations often arise when the validity period of a motor vehicle license expires, and there is no permanent registration in the passport. Drivers have a completely reasonable question: is it possible to take out a compulsory motor liability insurance policy under temporary registration. They all know well that driving without insurance is prohibited, and the prospect of paying for the costs of an accident at their own expense does not appeal to anyone. The law provides for this possibility and the car owner does not have to spend time and money returning to his place of residence.

Possibility of registration not by registration

According to the current legislation of the Russian Federation, driving a car without a current MTPL policy is prohibited.
Failure to comply with this law is fraught with very significant fines for the violator. In this article, we will mainly analyze the situation when the car owner finds himself far from the place of registration, and the insurance period has come to an end.

According to the federal law “On Compulsory Motor Liability Insurance” of April 25, 2002, the owner of a vehicle has the right to contact any insurance company, as well as apply for compulsory motor liability insurance at a place other than his place of registration. Subject to the conditions below, the insurer is obliged to calculate and issue:

A complete package of documents prescribed by law.
Make a full calculation of the cost of the service.
Issue registered insurance within the time limits specified by law.

Don’t be surprised that the amount will be slightly higher than what you were used to before. This is because the original cost of the policy is multiplied by the enhancement factor. The latter must correspond to the region in which the vehicle was registered. For example, if you move from Moscow to Astrakhan, the cost of the policy will noticeably decrease. (approximately two or one and a half times).

In paper or electronic form

The owner has the right to decide for himself how to issue compulsory motor liability insurance for his car - in paper or electronic form. Many lawyers advise having a paper policy with you, even if you received it in electronic format, print it out.

Each inspector has his own requirements; some need to see the document in person.

Some car inspectors may also refuse registration if you come to register your car with a printed version of the electronic OSAGO (Federal Law No. 40, Article 15), considering it a fake. Such a refusal is also unlawful and has no legal force.

Important: some traffic inspectors require an annual insurance policy, but this is illegal, and besides, there is no such nuance in either the traffic rules or the law on compulsory motor liability insurance (40-FZ dated April 25, 2002 On compulsory motor liability insurance).

It is worth remembering that registration sometimes involves replacing the state registration plate. You may encounter a change in numbers if they are difficult to read or have various mechanical damage, for example, jammed, concave, etc. (Part 1 of Article 12.2 of the Administrative Code).

Important: if you plan to replace the state registration plate on your vehicle or it is not yet there at all, then when applying for a policy you should indicate that it is missing.

And only then, after registering and receiving new numbers, you should contact the branch of the insurance company to make changes to the MTPL policy, otherwise at the very first traffic police post you will be reprimanded.

How to apply for an MTPL policy when changing registration

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How to get money instead of repairs under compulsory motor liability insurance: a detailed review

Changing meta registration is a fairly common phenomenon among citizens of our country. But it is important to understand that after changing their place of residence, every car owner is obliged to contact the insurance company. The insurer, in turn, is obliged to make changes to the registration in the body of the contract. Remember that if you fail to do this, if you are caught in a traffic accident, it may be difficult to pay compensation.

The motor vehicle liability insurance regulations clearly state that the client is obliged to notify the insurance company of a change of place of registration. There is also a positive point here: there is no need to order and pay for a new MTPL insurance policy. All you need to do is show up at your insurance company’s office at your current place of residence.

Due to a change in the region of registration, the amount of the insurance policy may change. Depending on the coefficient, the annual payment will either be less or increase slightly.

Let's look at an example.

If the owner moves to Moscow from remote regions, then the amount of the MTPL contribution will double, since the adjustment factor for Moscow and the Moscow region is 2. In this particular case, the client must contact the insurance company, report the change of registration and pay the difference after calculation. In the opposite situation, when the move is carried out from Moscow, for example, to Krasnodar, then an additional payment should be expected from the insurer.

Video: Ministry of Internal Affairs simplifies car registration rules

For a variety of reasons, sometimes situations arise when you need to insure a car while being away from your permanent place of residence - in another city or even region, and the option of paying compulsory motor third party liability insurance online is either impossible or not suitable. Is it allowed to obtain car insurance in another region and is it possible to obtain compulsory motor liability insurance in another city?

If the answer is yes, how to apply for compulsory motor liability insurance? Let's try to figure it out together.

OSAGO in another region: when does the need arise?

It is no secret that owners will be fined for driving a car without such paper as compulsory motor liability insurance. Often, such collisions happen even with disciplined and responsible drivers - they are mainly related to the acquisition of technical equipment for its further transportation to the area of the main residence.

In case of purchasing a vehicle, new owners are given the opportunity to defer the receipt of the policy. They have ten days to arrange car insurance, so you don’t have to buy it and just drive it to your city.

Of other cases when it is required to obtain compulsory motor liability insurance not in the area of residence, the most common are:

the car must be operated at a place of purchase that does not coincide with the region where the driver lives;
the car dealership where the car was purchased is located in another city;
There are also situations when the MTPL insurance contract has become invalid (its validity period has expired) at the most inopportune moment: the car owner is on a long business trip or on vacation;
Another option: you become the owner of transport at a new place of residence, where you have not yet managed to register.

How to get a temporary registration policy

According to the legislation of the Russian Federation, a person who stays for more than 3 months outside his place of permanent residence must notify the migration service about this. After this, the car owner will have to register at the place of residence of a temporary type. This point of Russian legislation concerns both citizens of the Russian Federation and foreign guests and immigrants.

Often a temporary change of registration is caused by the need to move for the purpose of study or work. Long business trips also often lead to such a need. If you have a temporary registration policy, the car owner can continue to use the vehicle until the policy expires. This event will be immediately followed by another one - the need to issue a new policy at the new place of registration.

The legislation stipulates the rules for recalculation with a coefficient on which the cost of insurance depends. The coefficient is determined by the region in which the car is used, or more precisely, by the place of actual residence of the car owner. It is logical that when you move, this region changes, and therefore falls under a new calculation with an increasing or decreasing coefficient.

To renew the insurance contract, you must contact the company branch at your new place of residence. Mandatory documents that you need to have with you are a passport and an old version of the contract. All other client documents must be stored in the database. There are situations when the client wants to renew the contract or take out a compulsory motor liability insurance policy with another company. In this case, he will need to collect a package of documents, which includes:

Original application for issuance of an MTPL insurance policy.
A document to confirm your identity (passport of a citizen of the Russian Federation).
A document issued by the migration service regarding the new place of registration.
PTS of the car.
Certificate of registration (popularly known as technical passport).
Copies of driver's licenses of all people who have the right to drive this vehicle.
Vehicle inspection card.
If the car is transferred to third parties, a certified copy or original power of attorney.

You must understand that the main task when updating your MTPL policy due to a change of registration is to recalculate the amount taking into account the regional coefficient. This insurance will be considered primary until the temporary insurance expires. Many insurance companies issue a new policy for a fixed date of temporary registration of clients.

○ Where can I apply?

Concluding an MTPL agreement is possible in any case, even if the car owner does not have permanent registration in the Russian Federation. The presence of permanent registration only affects the cost of insurance.

In this case, the calculation will be slightly different - depending on the coefficient established in the region of registration (its size ranges from 0.6 in the Republic of Crimea to 2 in Chelyabinsk, Perm, etc.).

The process of drawing up an insurance contract does not require much time, so you can receive an MTPL policy immediately on the day you contact the insurer. As a rule, filling out the documents takes no more than 30 minutes. If you choose the online procedure, the car owner will also receive insurance on the same day.

Most often, a person has to take out a compulsory motor liability insurance policy in another region for the following reasons:

purchasing a car (it can be either a new or used car) from a resident from another territorial unit, which needs to be transported to the region for further use;
buying a car at a car dealership by pre-order, which is located in another region;
purchasing a vehicle in order to use it in a region where the car owner is not registered, this may be related to work;
when they had not yet managed to register after a recent move.

If you decide not to bother and don’t want to purchase MTPL insurance in order to drive a vehicle from someone else’s region to your own, then there is the possibility of earning a fairly large fine.

What should you do in cases where you are a guest in a foreign city because you are buying a car?

Is it possible to purchase MTPL insurance not at the place of residence, but where the purchase was made?

CP (price per policy) = BS (basic accepted OSAGO tariff) x Kp (adjustment factor)

There are factors that can influence KP:

the age of the car owner, his experience, as well as the experience of drivers who can drive this vehicle;
vehicle characteristics;
the number of people allowed to drive a car, or the presence of a mark indicating that there are no restrictions;
the place where the owner of the car is registered - for rural residents, insurance will be cheaper than for city residents;
information about the absence of accidents - if the client often has accidents, even through no fault of his own, the cost of insurance will be more expensive;
insurance region.

The price of insurance for people living in big cities is usually more expensive than for peripheral residents. For example, for metropolitan citizens the territorial coefficient is 2, and for Voronezh citizens it is 1.5. This coefficient is different and is considered for each region separately.

The difference between territorial coefficients occurs due to the amount of compulsory motor liability insurance fees that the insurance company receives, as well as through accident rates and the amount of its loss ratio.

If the level of loss in the region is quite high, then compulsory motor liability insurance will be much more expensive. As a result, we can observe that the territorial coefficient can be 150, or even 200% in the territory of one region.

Knowing about these nuances allows you to save quite a decent amount; you just need to travel to a foreign region.

In accordance with the law in force in our country “On Compulsory Motor Liability Insurance”, a citizen of the Russian Federation has the right to enter into an agreement with any insurance company with the purchase of a Compulsory Motor Liability Insurance policy throughout Russia, in any subject, regardless of the region in which he has a permanent residence permit.

To draw up an MTPL contract in another region, the car owner must provide the following series of documents to the insurer:

Passport of a citizen of the Russian Federation, or military ID;
The right to drive a vehicle with the appropriate category;
PTS – vehicle passport;
A diagnostic card indicating that the vehicle has passed a technical inspection (the validity of this document at the time of insurance must be at least 1 month);
A document confirming the purchase of a car (collateral obligation, purchase and sale agreement, or loan agreement).

Many insurance companies, when applying for an MTPL policy, want to receive a “Vehicle Registration Certificate” from the car owner. In the absence of this document, when purchasing a car in order to drive it to a neighboring region and register it there, the driver can issue an insurance contract for temporary registration numbers for up to 20 days.

After this period, the owner of the vehicle is obliged to register the vehicle, obtain full license plates and draw up a permanent document in which the new license plates will be indicated.

The basic tariff for issuing MTPL policies is common throughout the Russian Federation. But, despite this, when calculating the cost of an insurance policy, a special coefficient is used, which has its own meaning in each subject of the country; this significantly affects the cost of the service provided in different regions.

SP – full cost of the insurance policy;
BS – base cost;
Kp – special coefficient.

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A driver can drive without a compulsory insurance contract only for ten days after purchasing a car, receiving it as a gift or inheritance. If, after the specified period, the vehicle is not insured, its owner will receive a fine of 800 rubles.

If the driver has entered into an MTPL agreement with the company, but does not carry an insurance policy with him, the fine will be 500 rubles.

Read about possible sanctions in the article “Fine for driving without insurance.”

Car insurance for a limited period of up to 20 days is provided for cases where the car was purchased in another locality and permanent license plates have not yet been obtained for it, and it is required to transport it to another region or city.

The validity period of the policy is related to the validity of temporary numbers - up to 20 days. The insurance conditions are standard, as well as the list of persons allowed to drive.

Registration of a temporary policy has features, which include:

The need to remove the car from its permanent place of registration with the traffic police for transportation to another point with a transit number.
Driving a car to another region for ongoing technical inspection and obtaining permanent license plates.
Selling a car and moving it to another region to be received by a new owner and registered with the traffic police.

Thus, we can highlight the main feature of temporary compulsory motor liability insurance - the possibility of liability insurance in the absence of permanent numbers. This allows you to significantly save on the service and protect your property from risks associated with transportation.

When using a temporary policy, there are both pros and cons.

Positive features include:

Saving on insurance services.
Possibility of obtaining compulsory motor liability insurance for the duration of transportation.
Registration according to the standard package of documents.
Obtaining insurance services for the period of absence of permanent license plates on the car.

Limited validity period with the need to extend in case of transportation delays.
The need to obtain a permanent policy after changing numbers is an additional step that requires time and the preparation of official documents.
There is no need to obtain a temporary policy when undergoing a technical inspection and obtaining a diagnostic card.

The procedure for obtaining a temporary MTPL policy is practically no different from issuing a standard set of insurance services. Registration is carried out by insurance companies, from which it is recommended to choose large ones that guarantee payments in case of unforeseen circumstances during the transportation of the car.

The rating of 7 large organizations in Russia includes: Alfa-Insurance, VSK, VTBSrakhovanie, Ingosstrakh, Max, RESO-Garantiya, Rosgosstrakh. An insurance broker will help you choose the most favorable conditions.

Temporary insurance is provided for by Law No. 40-FZ. Its validity period is set at 20 days, which can be extended if necessary, subject to obtaining a new policy. The minimum issuance period is 5 days.

After the period specified in the policy has passed, you must obtain insurance using permanent numbers. Failure to comply with this requirement will result in heavy fines for the car owner.

According to current legislation, failure to conclude a motor vehicle liability agreement does not entail the imposition of fines only if the vehicle is owned for less than 5 days.

A temporary policy allows you to save significantly when transporting a vehicle due to its limited validity period, which is much cheaper than purchasing an annual set of services. However, for each day of renewal the price is much higher than in the case of permanent insurance.

The cost of temporary compulsory motor liability insurance is calculated taking into account the following indicators:

The owner of the vehicle is a citizen or legal entity.
Type of car – passenger or truck.
Engine power.
The age of the vehicle operator and his driving experience.

Taking into account the presented data, using the example, you can calculate according to the coefficients:

The power of a passenger car is 1.1.
The insurance period is temporary – 0.2.
Driver's age and experience - 1.7.
Class - not used.
Trailer is not provided.
Region of operation – none, transit transportation.
Period of use – no.

Thus, the price depends only on the calculation period; other indicators are used in the same way as when applying for permanent insurance. On average, the cost of a temporary policy is 20% cheaper than the main one.

In addition to the insurer's office, there are several other options for obtaining a policy:

Insurers operating 24 hours a day, 7 days a week should contact trusted companies to avoid fraud.
Insurance brokers - they work simultaneously from several companies, helping to select services on the most favorable terms, taking into account the circumstances of insurance, have complete information about tariffs, locations of company offices, provide advice, and simplify the procedure for obtaining a policy.

It is also possible to connect your insurance service online. To do this you need:

Select the official website of the company.
Order a service, the code will be sent by email for confirmation.
Filling out a temporary insurance policy.
Signing the application and policy using an electronic signature.
The completed form is sent to the insurance agent via the Internet, and confirmation is received by email or by phone call, or in another way.
When providing a detailed calculation, payment is made in any available way - by card, cash, bank transfer, etc.

If you have doubts about choosing an insurer, you can contact the official representative offices of large companies to obtain a list of organizations providing services for issuing compulsory motor insurance on a temporary basis in the region where they are located.

Any person who has proof of ownership of the vehicle can sign the contract. This can be any legally capable person for whom a purchase and sale agreement or a power of attorney for management has been drawn up.

This is interesting: Form 9 reflects temporary registration for 2021

When applying for a compulsory car insurance policy, many criteria are taken into account, among which are:

insurance period;
period of use of the car.

The insurance period is a certain period for which the policy is issued (otherwise it can be called the validity period of the insurance contract).

To purchase a compulsory car insurance policy, a certain set of documents is required, discussed in detail earlier. However, there are situations when some documents are missing. What to do?

By temporary registration

When purchasing a compulsory car insurance policy, the territorial coefficient, which affects the cost of the vehicle, is of particular importance.

The first action that must be taken when owning a vehicle is to purchase compulsory motor liability insurance; without it, driving a vehicle is prohibited.

Russian legislation provides for a fine for the absence of an MTPL insurance policy. What is compulsory motor liability insurance and is insurance required when registering a car? This question is asked by people who have purchased a new vehicle.

The only correct answer is yes, and the sooner you apply for it, the better, since compulsory insurance is provided for by law.

To register a car at the State Traffic Inspectorate there is a list of required documents.

One of them is the MTPL insurance policy. It will take about an hour to issue an insurance policy for your car. There are several important nuances that will be discussed in this article.

Registration of the vehicle is required before using it.

It is important to note that vehicle registration does not affect ownership, but only connects a specific person with a specific vehicle.

And here we are faced with compulsory MTPL car insurance for the first time.

So, for example, a citizen registered in Yekaterinburg can apply for a policy in Novosibirsk.

To find out whether it is possible to issue compulsory motor liability insurance in another region in 2018 and how to issue a compulsory motor liability insurance policy in another region, you do not need to study special instructions.

The procedure for obtaining a compulsory car insurance policy is uniform throughout the Russian Federation.

Modern insurers do not have the right to violate the legally established procedure in one way or another and impose special requirements when applying for compulsory motor liability insurance for drivers living in other regions.

Russia, as a state, occupies a fairly large area. Its federation includes a large number of regions with different populations.

This is automatically reflected in the number of cars in use and in the degree of risk of possible accidents, which also depends on the number of cars on the roads.

All this is taken into account in the process of calculating the basic insurance rate accepted in a particular region.

The law explains in detail whether or not it is possible to issue a policy in another region, and gives permission to issue insurance in absolutely any area of the Russian Federation, but some companies may refuse to enter into an official car insurance agreement with the driver.

Refusal when trying to resolve the issue of whether it is possible to buy compulsory motor liability insurance in another region is usually justified by the fact that in a particular region there is no official representative office of compulsory motor liability insurance; it is not possible to issue a policy on the spot. You need to know that this refusal is illegal.

If a person only has a temporary registration to insure a car, he must do this:

go to the insurance company and explain your situation;
provide the insurers with the documents present;
complete the necessary paperwork.

Often, in this situation, an insurance policy is issued precisely for the period while a person has a temporary registration. Most insurance companies have the opportunity to step into a person’s position and still insure his car.

What to do after receiving permanent registration? After the temporary insurance period has expired and the car, along with its owner, has received a permanent habitat, the insurance contract can be easily extended.

In this case, the car owner, along with changing the data, will have to pay extra for insurance, the cost of which will increase.

If the car owner has gone to one of the remote regions of the country with calm traffic and low road congestion, insurers will apply a lower value of the regional coefficient. And then the insurance company will have to compensate him for the difference in the cost of insurance.
Today, car owners have the right to issue insurance documents via the Internet without visiting the insurer’s office. The procedure for purchasing an electronic policy is available to the public on the websites of most Russian insurance companies.

At the same time, he not only moves himself, but also transports his car in order to maintain the comfort of movement in the new place. Such mobility contributes to the implementation of life plans, but also makes the car owner wonder whether, having left his native place, it is possible to apply for compulsory motor liability insurance without registration. Table of contents:

1 Is it possible to apply for compulsory motor liability insurance at a location other than your place of registration?
2 Procedure for registration of compulsory motor liability insurance when changing registration
3 Obtaining a policy with temporary registration
4 Is it possible to do OSAGO without registration?

Is it possible to issue compulsory motor liability insurance not at the place of registration? Any motorist knows that driving a car without having a valid civil liability insurance policy in hand is prohibited by Russian law and is fraught with punishment for the violator in the form of quite significant fines.

In other words, the company is obliged to provide the requested services to any citizen who applies. If the request is ignored or the insurance company refuses to perform a preliminary calculation, the car owner has every reason to write a complaint to the RSA.

After concluding the MTPL agreement, the policyholder receives the following documents:

original insurance contract with the company;
original policy with registered drivers allowed to drive a car;
set of MTPL rules;
accident notification forms (2 copies);
receipt for payment for services provided.

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It should be noted that from the beginning of 2021, to apply for a policy, it is not necessary to go to the representative office of the insurance company - this can be done remotely, through the insurer’s website (according to clause 1 of the rules of compulsory civil liability insurance). Moscow. Let's accept the following conditions:

Let's take the lower limit of the corresponding base rate TB = 3432.00;
the territorial CT indicator for Moscow is 2.00;
We do not take into account the KBM;
let only one driver be included in the policy KO = 1.00;
the person allowed to drive is 25 years old, and the certificate certifying the right to drive the vehicle was received 2 years ago, that is, FAC = 1.70;
engine power 125 horsepower and KM = 1.40;
there is no trailer, so the gearbox does not need to be taken into account;
In this case, a CS is not required, since the minimum period of use of the car that allows the reduction factor to be applied is 3 months;
The CP for policies with a period of 5 to 15 days is 0.20, and for a shorter period the contract is not concluded;
KN is not required by law to apply.

So, the price is based on the following formula: TB * CT * KO * KVS * KM * KP.

Prepare photocopies of the necessary documents (Russian passport, driver's license, diagnostic card and service station certificate). Not all companies require photocopies (many make them themselves), but it is still better to make sure they are available.
Provide a package of documents to the nearest branch of the insurer, or contact its representative.
Fill out the application form and sign an agreement for the provision of insurance services.
Carefully check the policy to ensure that the information included in it is correct.
Pay the cost of insurance and sign documents.
If you are afraid of the imposition of additional services by the insurance company, you can do it differently: do not come to the office in person, but send an application to the insurer by a valuable letter with notification, in which you also make a request for the necessary calculations and details for payment.

OSAGO without registration: pitfalls

The modern realities of cross-border travel dictate new rules, and drivers are wondering whether it is possible to obtain compulsory motor liability insurance without any registration (temporary or permanent)? To help you understand, here are a few examples where one or a number of factors led to a similar problem:

The car owner has changed his place of residence and needs his vehicle every day, but difficulties have arisen with registration.
The owner sold his property or checked out of the current one, but did not have time to register a new one.
A citizen of another country who arrived in the Russian Federation and received the right to use a car before registering it wants to apply for compulsory motor liability insurance.

As you can see, there are many situations where there is a need to issue compulsory motor liability insurance without registration. Despite the demand, the legislation does not make any concessions. You cannot issue an MTPL policy without official registration. Due to the fact that the insurer cannot determine the confirmed place of residence and apply the adjustment factor, it does not have the right to issue a compulsory motor liability insurance policy.

There is still a way out of this situation, although it is not suitable for everyone. We are talking about issuing a policy through a proxy. To do this, a simple paper from the real owner, issued to a person with registration, is enough. In such a situation, the owner of the car will be identified as both the driver and the owner of the car.

To summarize, it can be argued that the legislation of the Russian Federation provides its citizens with a wide platform for maneuvering in relation to car insurance. Vehicle owners can change their place of residence at least every month, and there should not be any difficulties with obtaining an insurance policy. Do not forget also that any insurance company is obliged to issue compulsory motor liability insurance for each client who contacts it with a full package of documents.

Are there cost differences between different regions?

The amount of the basic tariff in all regions of our country is the same, but the total cost of the policy is calculated taking into account territorial adjustment factors. The main thing that is taken into account when introducing this coefficient is the degree of traffic intensity in a given region, and, consequently, the level of risk of accidents on the roads. We can say it another way: the price of insurance is directly proportional to the unprofitability of the insurance company in a given region. Three factors are of decisive importance:

Insurance fees.
Accident level.
Payments made.

Very often, even within the same territorial entity, prices for car insurance fluctuate by one and a half to two times.

On the other hand, residents of reputable megacities are forced to pay much more for insurance than drivers from outlying areas. Thus, the highest coefficient, equal to 2, falls on the share of Muscovites and St. Petersburg residents; for Voronezh residents this figure is 1.5, and, for example, in the mountainous sparsely populated areas of the Caucasian republics it does not exceed 0.6.

A reasonable question arises: is it possible to insure a car in another region and achieve significant cost savings? In this regard, no special benefits are expected, since the base rate is taken to be the coefficient of the region where the vehicle is registered!

Possible problems during registration outside your place of residence

Every person understands that temporary registration is temporary because it can expire. A client of an insurance company who finds himself in a similar situation is obliged to immediately notify the traffic police authorities at the place of current registration.

In other words, if you have taken out an MTPL car insurance policy under temporary registration and registration, and upon expiration of its validity period you have not contacted the traffic police, it will be automatically cancelled, and accordingly, driving a car becomes dangerous due to the possibility of fines. Consequently, registration entails cancellation of the policy. There are also cases when the insurance company accused the client of a special forgery or refused insurance payment.

When we talk about fines, we are not joking. These are very real values that can be obtained provided that the delay in registration and validity of the MTPL policy exceeded 10 calendar days. In this case, when stopped, the traffic police officer may impose a fine on the driver in the amount of 500 to 5,000 rubles.

A provision in an insurance contract often plays on the situation where the client must notify the insurer of a change of residence. The situation when it comes to temporary registration falls precisely into this category. When a policy is issued under temporary registration, after which the owner of the car and other persons specified in the contract change their place of residence to permanent registration, the client must inform the insurance company of this. This is done so that the latter can recalculate the amount under the contract, adjusted for the regional coefficient.

If you have had to change your insurer since the registration of compulsory motor liability insurance for temporary registration, then there is no absolute certainty that the latter company will agree with the legality of the actions of the first. In simple words, if an insured event occurs, you may receive a refusal due to unconfirmed actions of the first insurance company. Such cases are sent to court without discussion, where they will most likely be declared invalid and subject to additional fines.

Where to get it in St. Petersburg

For those living in St. Petersburg without registration or with temporary registration, it is also possible to obtain insurance. But it is important to remember that the likelihood of difficulties when obtaining this service is the same as in Moscow.

At the same time, the insurance conditions will be similar. Usually, citizens registered in a region where the coefficient is less than that established for St. Petersburg have no problems.

At the moment, there are many advantageous offers for purchasing this type of policy.

For example, if the vehicle’s power is less than 100 hp, and the insurance is unlimited, the cost of compulsory motor liability insurance for the owner for 1 year will be:

Company name	Price	Delivery	Availability of benefits and discounts
"Muscovy"	14 256	By email	—
"Alpha Insurance"	14 677	At buyer's choice	—
"Max"	14 677	By email	—
"Reso"	14 677	—	—

In addition to those mentioned above, there are also many other insurance companies that work in this direction in St. Petersburg. But at the same time, the cost of purchasing a policy in them can be significantly higher.

Situations often arise when it will be necessary to arrange additional services. For example, life insurance, as well as others.

It is important to remember that this is an imposed service. And there is always the option to refuse. This can also be done after signing the relevant MTPL agreement.

What's in practice?

As statistics collected by car owners in recent years show, modern insurance agents are trained not to accept documents with temporary registration for compulsory motor liability insurance. Provided that the citizen provides a full set of documents and documents for temporary registration, insurers will act illegally if they issue a policy.

By the way, this practice helps insurance companies protect themselves from fraudsters. Thus, a potential client will not be able to come with forged temporary registration documents in a region with low coefficients and receive a policy. The latter is not at all an identity document.

Typical problems

Some insurance companies refuse to issue a policy if the policyholder has a temporary registration. The insurance company does not have the right to refuse you if you take out insurance through temporary registration. The reasons for refusal to issue compulsory motor liability insurance according to the law can only be the lack of ownership of the car, an incorrect package of documents or lack of communication with the RSA.

If the insurer refuses to issue you with compulsory motor liability insurance with temporary registration, then you have the right to appeal the refusal to a higher authority or go to court.

What inconveniences may arise

The most serious problems that may arise when trying to insure a car in another region:

Not all insurance companies are represented in each of the constituent entities of the Russian Federation. Before insuring a car and applying for compulsory motor liability insurance in another region, you should make sure that there is an appropriate branch there.
Unfortunately, for some companies, the lack of local registration becomes a reason for refusing to complete a transaction without proper explanation.
Another significant drawback: if you decide to issue MTPL in another place, if insured events arise, you will have to go there to issue insurance documents. You will be forced to do the same if it becomes necessary to include additional persons authorized to operate your car into the policy, or in cases of early termination of the contract.

We talked about how to insure a car when you are far from your place of residence. In our dynamic age, this is a great advantage and allows you to save valuable time. Feel free to insure your car in another region, if you need it, and use the insurance you receive only for good!

It often happens that insurance is carried out in another region, different from the place of registration. In this case, there are certain nuances that you need to familiarize yourself with in advance.

First of all, this concerns documents, as well as the execution algorithm itself.

Insurance online

You can select an MTPL policy using the selection form below:

Catalog of insurance companies in Russia

By following the link , you can familiarize yourself with the catalog of insurance companies in the Russian Federation offering compulsory motor vehicle insurance services. Description of organizations, current financial indicators, ratings, reviews and other information. If you have already had a positive or negative experience with compulsory motor liability insurance of any insurance company, leave your feedback. Thank you!

Link again. Also, be sure to write your comment below. What do you think about the topic of this material? Or maybe you have questions? Ask!

OSAGO in Moscow for another region

OSAGO in Moscow for another region can be purchased officially from almost all companies.

But there are certain offices where the registration process will simply be impossible. At the moment, the cost of the policy in different insurance companies does not differ significantly.

For example, for a driver over 22 years old and with more than 3 years of driving experience for a car with a power of 110 hp. the cost will be:

Company name	Price	Delivery	Discount, bonuses
"Alfa Insurance"	6 424	By email	None
"Max"	6 424	To your home, by courier	None
"Reso"	6 424	By email and to your home	None
"ERGO"	6 424	By email	None

At the moment, the best solution is to issue a policy online. It is important to remember that this process can be carried out from 01/01/17 without any difficulties.

The main reason for this is a special regulatory document of the Central Bank of the Russian Federation. In accordance with it, all insurance companies, without exception, are obliged to make it possible to purchase policies of the type in question via the Internet.

Certain online algorithms have been established. For example, the duration of any work on the site cannot be more than 1 day within 1 month.

There is also a fairly extensive range of other restrictions related directly to the operation of the site and the issuance of the policy. There are many other nuances.

Registration procedure

The algorithm for issuing an MTPL policy for one registered in another region is completely standard. The optimal solution is to issue a policy online.

For example, the registration process at Alfa Insurance via the Internet will look like this:

follow the link alfastrah ru/individuals/auto/osago/;
click on the button called “electronic MTPL”;
Enter data on the vehicle: make;
model;
vehicle category;
type of vehicle;
purpose of use;
government number;
Vehicle ID.

then the insurance parameters are indicated - the beginning of insurance, the address of residence;

the number of drivers is indicated;

the list of drivers allowed to drive is indicated:

last name, first name and patronymic;

date of birth is indicated;

the series and number of the driver's license are prescribed;

The year of issue of the first driver's license is indicated.

Next, click on the “calculate OSAGO” button.

After this, you will need to pay for the policy using a special electronic payment. The algorithm for issuing a paper policy is also completely standard.

It will be enough to contact the company’s office with a complete list of the above documents and conclude an agreement. You can view the list of addresses on the Internet.

The process of obtaining compulsory motor liability insurance for non-residents is quite a big problem. That is why you need to familiarize yourself with the registration process in advance.

Is it possible to get a franchise under OSAGO, find out from this information.[/link]

What to do after receiving permanent registration

Having changed his registration, every car owner using a compulsory insurance policy must understand that the information specified in the “motor citizen” form will no longer be relevant. Based on this, it is necessary to notify the insurer about the change of residence and make these changes to the current policy.

If the registration is permanent, and the compulsory motor liability insurance is already expiring, then when prolonging, do not forget to also notify the insurance company representative about the change in the place of your registration. Based on this information, the agent will recalculate and issue you a new policy with current data and address.

Failure to timely notify the insurer of changes in registration is punishable by penalties. This happens because the MTPL agreement concluded at an outdated address could cost less, and if you move to another region, its price after recalculation may increase. Also, without notifying the insurer, the car owner risks being left without assistance in the event of an accident, since the information specified in the policy will be considered unreliable.