Quick links
- Is compulsory motor insurance required for registration in 2021?
- The procedure for registering a car
- What is needed to conclude a new insurance policy?
- If the insurance is left over from the previous owner
- Paper or electronic insurance for registration
- OSAGO for registration for legal entities
Is it necessary to take out a compulsory MTPL insurance policy in order to register a car and how to do this, read the article. Many drivers wonder whether insurance is needed to register.
Registration of compulsory motor liability insurance for registration
- Official registration
- No problems when registering
- Lowest prices
Registering a vehicle is far from uncommon nowadays, as the number of cars purchased is growing every day. An equally pressing question is whether it is necessary to have a compulsory motor insurance policy to register in 2021.
According to the legislation of the Russian Federation, any owner of a vehicle will become its legal owner only after registering the car with the traffic police. However, we will tell you further in this article what nuances you can expect regarding the issue of compulsory motor insurance for registration.
Is compulsory motor insurance required for registration in 2021?
If you are an experienced driver with experience, or are just starting to drive a car, you must know the rule that without a valid compulsory motor insurance policy, operating a vehicle on the territory of the Russian Federation is prohibited.
Due to the innovations, the car owner is no longer required to provide a paper insurance policy for registration. Now you can decide for yourself which type of policy suits you best, paper or electronic.
However, this fact does not change the rule that at the time the vehicle is registered, the compulsory insurance policy must be valid. In any case, its presence will be checked through the interdepartmental interaction database.
Also, please note that in order to avoid any delays and other technical problems when registering a car, it is, of course, better to provide a paper version of the compulsory motor insurance policy in 2019.
Is it possible to register a car without compulsory insurance?
You won't succeed. Important: To avoid unpleasant situations at the traffic police, before purchasing, carefully check whether the markings in the car’s passport match those on its body. Registration of a new car for legal entities The rules for registering vehicles are the same for individuals and legal entities, however, the package of documents that the latter needs to collect is somewhat more extensive.
Thus, organizations provide the following for registering a new car:
- Statement;
- Power of attorney to carry out registration actions;
- Russian Federation passport of the authorized person;
- Vehicle passport;
- Sales contract or other document confirming ownership of the car;
- Extract from the Unified State Register of Legal Entities (USRLE);
- Receipts confirming payment of state fees.
The procedure for registering a car
In order to easily register a vehicle in 2021, you will need the following documents:
— Diagnostic card. This document is evidence that the vehicle has passed a technical inspection. According to the law, a diagnostic card is just necessary in order to obtain a compulsory motor insurance policy. You can also read the process of passing the technical inspection in our other article on our website, where we explained in detail all the nuances of this procedure.
— A valid MTPL policy. Moreover, it does not matter whether you bought a new car or purchased it second-hand. The MTPL policy is a necessary document for registering a vehicle in 2021.
— Payment of the state fee for car registration
— Application for vehicle registration
Registering a vehicle is also possible through the State Services portal.
In order to register a vehicle through State Services, you will first need to register on the website.
After this, you will need to select the appropriate service on the site and enter all the required data about the car and its owner.
At the end, you will be offered a time of your choice for which you can sign up directly to visit the traffic police.
Finally, you will need to come to the traffic police and provide all documents, including the compulsory insurance policy for registration in 2021.
Is it possible to drive a car before taking out insurance?
To register a car after its purchase, you are given 10 days from the date of conclusion of the purchase and sale agreement. The same period is given for registration of compulsory motor liability insurance. You should not delay obtaining insurance, otherwise you will not be able to register your car and risk facing sanctions - from fines to car repossession.
If you are going to drive a car to another city, then you need to act differently. You need to take out a temporary MTPL policy - it will be valid for up to 20 days. With this policy you will be able to obtain transit numbers that will be valid during this period. After the drive, you, as with regular registration, take out a permanent MTPL policy and register the car.
If the insurance is left over from the previous owner
Many motorists believe that if the compulsory motor insurance policy for registration remains old, that is, the old policy is still in force, then there is no need to conclude a new insurance contract. However, unfortunately, we have to disappoint you, as this is an erroneous opinion.
The fact is that the previous MTPL policy will be registered in the name of the previous owner of the vehicle, and since the owner of the car changes, the MTPL policy must be changed accordingly for registration in 2021.
With an old MTPL policy, registration of the car with the traffic police will be denied. The only reason why you can still keep it is the 10-day period during which the law allows you to drive a car after purchase until it is registered. The main thing is to also have the purchase and sale agreement with you.
It is important to remember that if you drive a car within 10 days after purchase with a previous policy, then you need to be included in it if the insurance is closed. Although, in principle, you can simply present the sales contract to the traffic police inspector, and there should be no questions for you.
There is also a dangerous side here. If you do not have a valid compulsory motor insurance policy for registration, then in a situation where a traffic accident occurs due to your fault, you will have to independently compensate for the damage caused to another road user, and this, you know, can sometimes be very unprofitable and take a huge amount of time.
Also, speaking about the remaining MTPL from the previous owner, you can replace the owner of the car in the insurance policy, however, unfortunately, it will not be possible to register the vehicle without the MTPL issued in your name.
This type of insurance is convenient only for a while until you can take out a new MTPL policy for registration. We also draw your attention to the fact that it is best to resort to such a decision only if the former owner is well known to you.
Thus, based on all of the above, we can conclude that it is simply impossible to register a vehicle without a valid compulsory insurance policy. If your vehicle reaches a speed of more than 20 km/h, then it must be insured, otherwise you will not be able to obtain a registration certificate.
Is the insurance left over from the previous owner suitable?
The decision on what to do with an MTPL policy that has not expired is made by its owner.
There are two options:
- the document remains with the original owner.
The most logical and frequently used method. The owner can write a statement about early termination of the contract and receive compensation for the unused period. This is stipulated in Article 10 of the Federal Law of April 25, 2002 N 40-FZ (as amended on December 18, 2018) “On compulsory civil liability insurance of vehicle owners”; On a note! The payment is calculated from the moment the application is registered, so it is better to write it immediately along with the purchase and sale agreement. - the policy passes to the new owner. Let us immediately clarify that this option is not always possible, since many organizations simply refuse such a service, insisting that the new owner must draw up a new contract. But if the circumstances are such that you need to leave the compulsory motor liability insurance policy, then a change is made to the existing insurance. It is necessary to rewrite the “Owner” column and add a new name to the list of persons who can drive the vehicle.
Paper or electronic insurance for registration
As we mentioned above, currently the owner has the right to choose the type of compulsory insurance policy that is more convenient for him. Also in other articles we paid attention to the advantages and disadvantages of each type, you can also read this on our website.
Speaking about compulsory insurance for registration, it is worth saying the following. There are situations in which the new owner does not have any amount of time, and he urgently needs to register the vehicle.
In such a situation, it is better for him to issue a paper insurance policy, which specialists can prepare within one hour. Moreover, regardless of the type of vehicle and other factors, such as region.
Why is a paper insurance policy for urgent registration more profitable? It's simple. The fact is that an electronic MTPL policy can be entered into the database up to 4 days, while a paper policy will come into force as early as 00:00 the next day.
Moreover, some drivers may be faced with the fact that the traffic police themselves may require a paper policy, although this situation almost never occurs lately.
Thus, to register, as you might understand, it is better to issue a paper insurance policy. However, in other situations that do not require urgent insurance, an electronic policy is more convenient and practical.
Is it possible to register a car without insurance?
We conclude that when registering a car, insurance is needed, and there is no way to do without it. The only way not to spend money on a policy right away is to temporarily use a valid MTPL issued in the name of the previous owner of the vehicle. But this option is beneficial only if the duration of the mentioned document exceeds 3-4 months. After all, after time has passed, you will have to sign the contract with the insurance company again, but for the new owner.
It is important to know! These rules do not apply to trailers, since they require insurance only when traveling abroad. Under other circumstances, it will not be possible to re-register equipment (be it a motorcycle, car, truck, ATV, etc.) without compulsory motor liability insurance. Therefore, the problem with the insurance company should be resolved in advance.
OSAGO for registration for legal entities
As for all drivers operating or registering a vehicle on the territory of the Russian Federation, MTPL for registration is also necessary for legal entities.
Speaking about the registration of osgo for registration, it is worth saying that the procedure is practically no different from registration for individuals.
However, there are still some nuances here. Firstly, for legal entities, the MTPL policy for registration can only be open, that is, with access to management of an unlimited number of persons.
Also, as an organization planning to issue a compulsory motor insurance policy for registration, you may be faced with the fact that many insurance companies may refuse you. We also mention this in many articles. Everything usually comes down to the fact that it is not profitable for insurance companies to insure legal entities, since it may be unprofitable for them.
You will never face a refusal; we will issue you a compulsory insurance policy for registration of an unlimited number of cars owned by your company, regardless of the type of activity. And if you have a certain number of insured cars, we can even offer you a discount.
Where are the terms of insurance regulated?
In the Federal Law “On Compulsory Motor Liability Insurance”. Here you should separate the insurance period and the period of use of the car, then you will understand the answer to the question.
So, the insurance period (conclusion of a standard OSAGO contract) is always 1 year. But the period of use of the machine may be less, but not less than 3 months.
1. Owners of vehicles have the right to enter into compulsory insurance contracts taking into account the limited use of vehicles in their ownership or possession. Limited use of vehicles owned or owned by citizens is recognized as driving vehicles only by drivers specified by the policyholder and (or) seasonal use of vehicles for 3 or more months in a calendar year.
At the same time, do not forget that with limited use of the car, an increased coefficient is applied when calculating the cost of the policy. This means that the price of insurance for 3 months will be higher than if you simply take a 12-month policy and divide it by four.
Thus, for registration with the traffic police, the minimum insurance period can be 3 months.
Other organizations
OSAGO for drivers with less than 3 years of experience
Young drivers with less than 3 years of experience experience difficulties when applying for an MTPL policy for their vehicle, so our company pays great attention to this issue.
OSAGO for the culprit of an accident
Almost all drivers get into an accident; after such an event, some perpetrators of accidents cannot take out a compulsory MTPL insurance policy. Our company can help such drivers restore justice and take out a policy.
OSAGO for a driver without experience
It is difficult for a young driver without experience to obtain MTPL insurance for his vehicle, since insurance companies flatly refuse to issue a policy to such drivers. However, our company has offers specifically for such drivers.
OSAGO for individuals and legal entities
Not all insurance companies and insurance brokers work with individuals and legal entities, and even those who do can process all categories of vehicles, but our company can handle everything.
OSAGO for Volkswagen Polo
For all owners of Volkswagen Polo, we are ready to provide unique offers for issuing compulsory motor third party liability insurance policies. Fully official design. We work with individuals and legal entities. Any purpose of use including taxi.
OSAGO for Finland
If you are going to travel to Finland with your car, then you will need a compulsory motor liability insurance policy, which is called a green card. With this policy you will safely cross the border with Finland.
OSAGO for individuals
Our company is ready to present a range of MTPL insurance services for individuals. We insure all categories of vehicles, apply all discounts and select the best offers for individuals.
OSAGO for Honda Accord
For Honda Accord owners, our company has special conditions for obtaining an MTPL policy. We issue compulsory motor liability insurance for any region for Honda owners. We have an additional discount on Honda Accord!
OSAGO for Hyundai Solaris
Registration of an MTPL policy for a Hyundai Solaris car. We even process taxi registrations for owners from other regions. We make a paper policy on a pink form. We will select the best offers for you.
OSAGO for those registered in another region
Compulsory motor liability insurance for those registered in another region is always a problem. You will be sent for a car inspection, which lasts more than a month, and it’s not a fact that they will give consent!
OSAGO for ZIL
All owners of ZIL cars are faced with the problem of obtaining compulsory motor liability insurance. There are several reasons for this - firstly, these are trucks, and secondly, most often these are old cars. Therefore, all insurance companies refuse such vehicles, but not us!
OSAGO for foreign cars
If you come from abroad and you need to take out a compulsory motor liability insurance policy in Russia, then we are ready to do this for you. We are insurance brokers and work with the largest insurance companies.
OSAGO for abroad
If you travel abroad in a personal car, then you will need to take out a special MTPL policy for traveling abroad, called a green card. The cost of this policy is low.
OSAGO for school bus
The bus is a non-segment for insurance companies and school buses are no exception, many people face big problems when insuring a bus. We specialize in non-segmented vehicles and registration of compulsory motor liability insurance for them.
OSAGO for Chevrolet Niva
Taking out an MTPL policy for a Chevrolet Niva can create a lot of problems for car owners, but we are ready to offer special conditions for obtaining insurance for this popular car.
OSAGO for Skoda Kodiak
For Skoda Kodiak owners, our company has special conditions for issuing MTPL insurance policies with an additional discount. We will provide more than 5 insurance companies to choose from.
OSAGO for Chevrolet Cruze
If you are the owner of a Chevrolet Cruze car and do not know where to apply for an MTPL policy, then this article is especially for you. In our company, you will not only be able to take out a policy for this car, but also do it on the most favorable terms.
OSAGO for Schengen
If you are going to travel to the Schengen zone in your own car, then you will need to apply for a special type of compulsory motor liability insurance, you can do this in our company. This type of MTPL is called a green card.
OSAGO for Georgia
If you are going to travel to Georgia by car, then you will need compulsory motor liability insurance, which is valid on the territory of Georgia. You can obtain this OSAGO form from our company.
OSAGO for traffic police
One of the mandatory documents required by the traffic police to register a car in Russia is an MTPL insurance policy. You should think about issuing a policy for the traffic police in advance, otherwise registration will be denied to you.
OSAGO for trucks for individuals
Trucks are a non-segment for insurance companies, both for individuals and legal entities. However, there is no need to despair, because our insurance center will help you in obtaining an MTPL policy for a truck if the owner is an individual.
OSAGO for a new car
Have you bought a car? - Fine. After purchasing a new car, the first thing you need to do is take out an MTPL policy. In our company, you can always take out an MTPL policy for a new car from a showroom or a used car.
OSAGO for beginners
It is not so easy for young drivers to take out a compulsory motor liability insurance policy and insure their car. Many insurance companies are turning away young drivers. However, we have a few suggestions for those new to the road.
OSAGO for driving with a trailer
One of the points that the insurer must ask the client when applying for compulsory motor liability insurance is whether the vehicle will be operated with a trailer. Many vehicles are not used at all without a trailer. Driving with a trailer on a policy that does not have the trailer ticked is an offence.
OSAGO for Europe
For cars that travel to Europe, you also need a compulsory motor liability insurance policy; most often, a green card is sufficient. In our company you can apply for any type of MTPL for Europe.
OSAGO for Crimea
The MTPL policy is mandatory throughout the Russian Federation, including for residents of Crimea. However, many insurance companies refuse to provide insurance as soon as they see the region of registration of the owner - CRIMEA.
OSAGO for apartments
An apartment is one of the best investments, so you need to insure it so that your investment does not go nowhere. Few people know that there is an analogue of OSAGO for an apartment.
OSAGO for accounting
It's no secret that without compulsory motor insurance it is impossible to register a car with the traffic police. However, many do not know where to apply for compulsory motor liability insurance for registration. Our company is ready to take on all obligations for obtaining insurance for your car. With our insurance, you are 100% guaranteed to register your vehicle with the traffic police.
OSAGO for Ukrainians
If you come from Ukraine, then in Moscow it will be difficult for you to obtain an MTPL policy for your car, so our company specializes in issuing MTPL policies for citizens with foreign rights, including Ukrainians.
OSAGO for educational vehicles
Training cars are associated with increased danger on the roads, so not every insurance company is ready to accept such cars, but we will select for you the best offers for compulsory motor vehicle liability insurance for training cars.
OSAGO for a leased car
If you have a leased car, then you understand how difficult it is to issue an MTPL policy for such a vehicle. However, our company is ready to help you with this.
Accident in the parking lot
Often, an accident does not happen on the road, but when the car is parked, what to do in this situation, because the second participant in the accident most often has already left the scene of the accident, and the damage to the car has been caused, is it possible to receive payment under compulsory motor liability insurance in this case?
Duplicate diagnostic card
Creating a duplicate of a valid diagnostic card has become a real problem. However, this article describes the solution. Read on to find out how to get a duplicate of the technical certificate.
Left OSAGO
Recently, fraud schemes involving fraudulent MTPL policies have become more frequent, and both paper policies and electronic ones are counterfeited; read the article on how to avoid becoming a victim of fraudsters.
Road accident without compulsory motor liability insurance
Almost every driver gets into an accident, but it is possible that one of the participants in the accident does not have a compulsory motor liability insurance policy. What should you do in this case? options for solving the problem.
Working as an insurance agent under compulsory motor liability insurance
To become an insurance agent for issuing MTPL policies for all categories and regions, you need to leave an application and our specialists will provide you with all the necessary access to a whole range of services!
OSAGO for a tractor
One of the types of special equipment that require registration of compulsory motor liability insurance is tractors. However, many tractors are not a segment of the insurance company, so the owners of such vehicles hear refusals from insurance companies. Read the article about how to get a policy for a tractor.
OSAGO for a combine harvester
Agricultural combines require a compulsory motor liability insurance policy during their operation, but where are they issued and how to do this? If everything is clear with passenger cars, then it is difficult to insure a combine harvester.
OSAGO for a scooter
Official registration of a compulsory motor liability insurance policy for a scooter, as well as other small motorcycles, has become a big problem lately, so our company is opening special offers for compulsory motor liability insurance for scooters.
OSAGO for ATV
One of the most common types of special equipment is an ATV, and it is a full-fledged participant in the movement, so it is necessary to take out a compulsory motor liability insurance policy for it.
OSAGO with delivery
OSAGO with delivery to AutoPlus is the most convenient way to get insurance without leaving your home. The courier will deliver the policy to any place you want and at a time convenient for you - quickly and without any problems.
OSAGO for a dump truck
A dump truck is not a very common type of special equipment, so it may have problems with insurance under MTPL, but you need to get insurance. Read the article about how to make a policy for a dump truck and what difficulties may await you when applying for it.
OSAGO for an excavator
One of the types of special equipment that you can order from our company is excavators. In many insurance companies you will hear a refusal, since an excavator is not a segment, but not with us. We have been issuing compulsory motor liability insurance for excavators for more than 5 years, working with both legal entities and individuals.
OSAGO for a truck
One of the riskiest businesses is the transportation of goods. It is important that the trucks used for transportation are officially insured, but many do not know where and how to do this.
OSAGO for a snowmobile
Not all insurance companies insure such a unique type of equipment as a snowmobile, but situations often arise when the vehicle needs to be transported to another location and a compulsory motor liability insurance policy is required for the move. Taking out insurance for a snowmobile.
OSAGO for tractor
Registration of an MTPL policy for special equipment is a big problem for both individuals and legal entities. One of the problematic types of special equipment is the tractor. Read the article on how to apply for insurance for a tractor.
OSAGO for special equipment
Registration of compulsory insurance policies for various types of special equipment is a very difficult task, as it turned out. Many insurance companies prohibit insuring various types of special equipment.
OSAGO for registration
Is it necessary to take out a compulsory MTPL insurance policy in order to register a car and how to do this, read the article. Many drivers wonder whether insurance is needed to register.
OSAGO for the haul
There are situations in which it is necessary to take out a compulsory motor liability insurance policy for a short period of time to move a vehicle and one place to another; read the article on how to do this.
OSAGO category C
Recently, it has become a problem to issue an MTPL policy for category C vehicles; many insurance companies refuse to insure trucks, since they do not fall under the insurance segment. Read the article about how to apply for a policy.
CASCO for taxi
One of the specializations of our company is issuing CASCO policies for taxis. Taxi is one of the riskiest businesses for a car, so it is important to apply for CASCO insurance to be sure that you will not be left with nothing if the taxi gets into an accident. Read more about registering CASCO insurance for a taxi in the article.
OSAGO category D
Category D is one of the problematic categories when applying for an MTPL policy, but our company is ready to help you and obtain insurance for a category D vehicle without any problems. Read more about the design of category D in the article.
Osago for taxi 2019
Taxi is one of the most popular vehicle segments, millions of drivers are employed in the taxi industry and therefore changes in taxi insurance will affect a large number of people in 2021.
Number plates of Russian regions on cars 2019
Region codes in Russia are written on state license plates. Each region corresponds to a specific code, but sometimes it is necessary to identify a particular region by its code or, conversely, by its region code. Regions of Russia in 2021.
Registering a car with the traffic police 2019
All vehicles in the Russian Federation are subject to mandatory registration. How to register a car in 2021, what’s new in the process of registering a car with the traffic police.
Driving license categories 2019
There are a large number of different categories of driver's licenses and not everyone knows what this or that category means. The article provides a convenient table of categories, with which you can always find out all the necessary information.
Access to registration of E-OSAGO
Now there are a large number of platforms for issuing E-OSAGO policies, to which we can give you access so that you can independently issue an OSAGO policy and receive a commission.
OSAGO without inspection
If you want to take out a MTPL insurance policy, but you are sent to have your vehicle inspected, then we can help you and issue a policy without inspecting your car.
How much does it cost to get your license in 2021?
Every year, thousands of people want to take the driving test at the traffic police and get a driver's license. If you have already attended a driving school, then you will be interested in the cost of passing the exam at the traffic police.
Car re-registration in 2019
How to re-register a car to a new owner in 2021, as well as what reasons exist for re-registration, all these issues are discussed in the article.
Do I need to take an exam when replacing a license 2019
Many drivers are interested in the question of whether they will need to retake the exam when replacing their license in 2021. Let's answer this question, because many drivers have already failed, for example, the theoretical part of the exam.
Replacement of rights in 2021
Since licenses are issued for a certain period, there comes a time for every driver when he needs to change his license, but not everyone knows where and how to do this. Read about the process of replacing rights in the article.
OSAGO day to day
Today, electronic MTPL policies are valid only after three days, but what to do if you urgently need a MTPL policy and you don’t have time to wait 3-4 days. In this case, you can contact Our company and we will issue you a paper policy on the day of your application!
OSAGO for pensioners
Such a group of the population as pensioners in our country is not particularly wealthy, so issuing a compulsory motor liability insurance policy is a very difficult task for them, as it hits their wallets hard. However, in our company, all pensioners receive an additional discount when applying for compulsory motor liability insurance. Special MTPL program for pensioners.
OSAGO in 2021
OSAGO is a type of insurance that concerns all car owners, therefore changes in the process of registration and calculation of insurance for a vehicle concern almost every citizen of our country. Read about changes in the field of auto insurance and compulsory motor liability insurance in particular in 2021 in the article.
Inspection in 2021
Changes are inevitable, if you want to know what will happen to car inspection in 2021, then read the article. The article provides comprehensive information about diagnostic cards and technical inspection in general. VET and OTO registers in 2021.
OSAGO for foreign citizens
Every day a huge number of foreign citizens from near and far abroad come to Russia. Naturally, foreigners may sometimes need a compulsory motor liability insurance policy in order to move around the territory of the Russian Federation by car. About how to apply for compulsory motor liability insurance for foreign citizens.
Electronic PTS in 2021
It's no secret that one of the main trends in our state is the transfer of all document flow to electronic form. This trend also affected vehicles. Electronic PTS will be introduced in 2021. About the pros and cons of a new type of documents.
OSAGO for old cars
If you are the owner of an old car, then you have already understood or will understand that getting compulsory motor liability insurance for it is not such an easy task and not all insurance companies undertake to insure such vehicles; read the article on how to insure an old car.
OSAGO-rural and village registration
Many people who come to large cities have a rural or rural residence permit (registration) and it is not at all easy for them to get an MTPL policy in the city, since insurance companies begin to put spokes in the wheels and do not issue the policy. What to do if you still need to take out a policy.
OSAGO with temporary registration
Often people who have a temporary registration wonder whether they will be able to get car insurance. Temporary registration itself does not limit the issuance of a policy, however, there are some nuances that you should know...
OSAGO with registration in the region
Recently, people who are registered in the regions of Russia are faced with the problem of applying for a car insurance policy in Moscow. Read the article about why this happens and how to apply for a policy with registration in the region.
OSAGO for Daewoo Matiz
One of the problems faced by owners of low-power cars such as Daewoo Matiz is obtaining an MTPL insurance policy. Read about why it is difficult to get insurance for a Matiz and how to do it in general.
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.
