How to fill out an application
The policy form can include data from both the owner of the vehicle and the person who carries out the insurance. This indicates that the procedure for preparing the documentation in question can be handled by the owner or citizen who has the information necessary to implement this procedure. Legislative acts developed at the federal level establish the possibility of forming an insurance act by a person who is not vested with ownership rights in relation to a vehicle.
In the Russian Federation and the Republic of Belarus, regulations have been developed, they say that it is allowed to draw up an act when using the online mode. You will need to fill out a specially designed form and wait for the system to generate a report and send it to the email address specified in the application. In such a situation, it is important to understand that the paper can be drawn up only if the owner has previously signed a power of attorney.
ATTENTION !!! This document is in a simple format. It is stipulated that contacting a notary in this case is not necessary. The main thing is that the document bears the signature of the owner of the car.
Then the insured is the person who reflects the information in the act in question. Next, he has the opportunity to indicate persons who will be able to drive the car or change the periods for using the car, and make requests for a copy of the lost policy. Statutory provisions provide that the issuer of insurance is not always the person with the legal title.
This factor influences the fact that the document form itself provides two separate fields where the data of the parties to the insurance agreement is entered.
Law on OSAGO insurance without the presence of the owner
The key legislative document clarifying the rules for issuing compulsory motor liability insurance is Federal Law No. 40 “On Insurance” of 2002. This regulatory legal act contains information on participants in the insurance contract, as well as requirements for applicants.
The MTPL Insurance Rules are adopted as another establishing document - this position came into force in accordance with Decree of the Government of the Russian Federation N431-P. Chapter 1, paragraph 5 clearly describes the concept of car insurance under OSAGO without an owner.
Additionally, it is worth taking into account the provisions of the Code of Administrative Offenses of the Russian Federation (CAO), which prescribes the rules for imposing punishment in case of non-compliance with the provisions of the above documents.
Documentation for insurance formation
In order to complete the paper in question, you will need to collect a package of documentation and send it to the authorized organization.
These include:
- driver's license;
- a copy of the act by which the identity of the citizen - the owner of the vehicle is verified;
- vehicle passport;
- paper confirming the registration of the car;
- previously valid act;
- power of attorney.
Based on the above provisions, we can conclude that the procedure for obtaining insurance can be initiated by someone who does not have ownership rights.
IMPORTANT !!! However, it is important to note that in the event of an insurance situation, only the owner of the vehicle has the right to receive compensation.
If this person does not have the opportunity to receive funds, the policyholder does this. In this situation, you will need to provide a power of attorney.
It is important that this act must be presented to a notary officer for the purpose of certification.
Required documents
When applying for an MTPL policy online for a car without an owner, the policyholder must indicate in the application form only the numbers or data from the documents, scan them, and submit the information in text form. You need to prepare:
- car passport or registration certificate;
- identification;
- passport details of the owner of the car (if insurance is taken out by someone other than the owner);
- license plate numbers of all drivers included in the policy (if it is issued with a restriction of persons allowed to drive a vehicle), or only the owner of the car (for unlimited electronic compulsory motor insurance);
- if more than three years have passed since the release date of the vehicle, you need to provide its diagnostic card, which in some insurance companies can be done online when applying for an E-policy.
Scanned documents are attached to the application and together with it are sent to the insurer for consideration.
Registration procedure
A citizen who owns a car and the person driving it are sometimes located in different areas and do not intersect. Then, when drawing up an insurance act, the citizen will need to enter certain information on the form. In particular, the surname and initials of the owner, as well as information about those who can use the vehicle. Such indicators are taken into account by employees of authorized companies to calculate the amount of insurance.
The number of citizens who then have the right to drive a car affects the price under the contract. The legislator indicates that the registration procedure can take place in the absence of the owner of the rights. You can do everything yourself, without asking the owner to come to the branch of the insurance company. The citizen will need to present a power of attorney, enter data in the form and pay the insurance amount. If the insurer refuses to issue an insurance policy to such a person, it is important to understand that this is a violation of legal rights.
In such a situation, you need to turn to the above legislative act to protect your rights.
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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!
Insurance and property sales
The owner will need to start collecting all the documentation. This also applies to a document confirming the existence of an insurance contract. It is important to understand that the new owner does not have the opportunity to use the deed received by the previous owner. It is taken into account that by the time the vehicle is sold, the period of paper use has not ended. The new owner will need to draw up a new paper, and it begins to be valid from the date of registration.
This requirement indicates that a citizen must, when registering in his own name, re-register all papers, including STS. Otherwise, if an insurance situation arises, the person will not be able to process payments related to damage to property.
Who has the right to renew
When a citizen does not have property, he can drive while the power of attorney is valid. However, the presence of an act despite the situation is considered as a prerequisite. The maximum period for which insurance is provided can be only 12 months. The renewal can then be handled by the person who actually uses the car. The personal presence of the owner is not required. This means that even in the absence of legal rights to own a car, a person is given the opportunity to obtain an insurance policy. This needs to be done every year.
This action can be implemented more than once, that is, the extension of the contract is not limited in quantity.
Selecting an insurance organization
You should take out insurance from a reliable company . To do this, you need to study information about different insurers.
When purchasing a compulsory insurance policy, first of all you need to pay attention to the rate.
This indicator is established by law and should not differ in different companies. It is also recommended to inquire about the authorized capital of the organization and the presence of branches in other regions.
Thus, you can insure a car without its owner; his absence is not an obstacle to obtaining a policy. But if an insured event occurs, it is the owner of the vehicle who will receive the payment.
The compulsory insurance policy itself has two columns - for the owner and the policyholder . If this is the same person, the information in the columns is identical. If the policyholder is not the owner of the car, the information is displayed in the policy.
The presence of the owner of the car is not required to extend the validity of the vehicle license if the previous insurance policy was issued for the driver.
Insurance and car sales
In a situation where a citizen has decided to sell a car, but the insurance policy period has not expired, it is important to understand that it will be possible to return part of the cost under the agreement. This rule is spelled out in the law that applies to car insurance.
The law specifies several grounds for the return of funds, including:
- sale of a vehicle;
- car theft;
- termination of activity by the insurer.
IMPORTANT !!! To receive money, you need to contact the insurance company where the paper was purchased. When opening a branch of the Investigative Committee, you need to fill out an application. A certain package of documentation is attached to it.
Including these:
- sales agreement;
- a document by which the identity of a citizen is verified;
- insurance;
- bank account for transfer.
This process most often does not cause difficulties. Disputes may arise regarding how much money the insurer should return.
How much does it cost to register a driver on OSAGO?
The procedure itself is free. The insurance company does not have the right to charge a fee for registration actions. The cost of adding a driver to your MTPL policy depends on a number of factors. Among them:
- Age of the car enthusiast.
- Driving experience is the number of complete years of driving a car of a certain class.
- BMC (bonus-malus coefficient) - duration of accident-free driving.
The power of the vehicle does not affect the procedure for adding drivers to MTPL, since the policyholder’s car remains the same. The region of permanent registration of the car owner also does not affect the price indicator - as in the first case, the region does not change.
It is not necessary to pay extra for making changes to the policy in every case. If the driver is experienced and has a history of accident-free driving, then he is more likely to be included in the insurance for free, without increasing the insurance premium.
Information sources:
- Regulations of the Bank of Russia “On the rules of compulsory insurance of civil liability of vehicle owners” - link.
- Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners” - link.
about the author
Anatoly Darchiev - higher education in economics with a specialty in “Finance and Credit” and higher education in law in the direction of “Criminal Law and Criminology” at the Russian State Social University (RGSU). Worked for more than 7 years at Sberbank of Russia and Credit Europe Bank. He is a financial advisor to large financial and consulting organizations. Engaged in improving the financial literacy of visitors to the Brobank service. Analyst and banking expert. [email protected]
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How to choose an insurer
To apply for an insurance policy, you only need to contact an organization that has a positive rating and has proven itself to be reliable. You need to pay attention to what rate will be applied. This value is dictated by the federal legislator and companies do not have the authority to change them.
In addition, it is important to find out about the size of the company’s authorized capital and the presence of branches in other entities. Based on the above, we can come to the conclusion that a citizen who is not vested with property rights can take out car insurance. This can be done using a power of attorney. It is not necessary to have such a document certified by a notary.
Who receives payments under compulsory motor liability insurance when insuring a vehicle other than the owner?
Attention
Only the owner of the car can purchase compensation payments from an insurance company to restore a vehicle damaged as a result of a traffic accident.
Reimbursement can be received either in cash at the organization’s cash desk or to a bank account by bank transfer using the specified details.
If there is a need to purchase the required payments through third parties, the owner needs to take care of all the features in advance and issue a power of attorney to receive insurance payments certified by a notary.
