Is it necessary for the owner to insure a car under compulsory motor liability insurance?

Is it possible to insure a car without an owner?

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Very often it is not the owner who is driving the car. For example, the car may be used by another family member or colleague for work purposes. But, nevertheless, the driver is not exempt from compulsory MTPL insurance. Here the question arises - who should insure the car - the real driver or the owner, and also whether it is possible to get insurance without actually the owner of the vehicle and what documents will be needed for this?

Procedure for obtaining insurance

OSAGO is mandatory for driving a car or any other vehicle whose speed exceeds 50 km/h. At the same time, it is very important to understand that insurance is issued not for the car, but for the driver, since the meaning of compulsory motor liability insurance is to insure liability to third parties during road traffic. Moreover, as you understand, the owner and the driver can be completely different people.

Accordingly, if we look at the procedure for obtaining insurance, then the auto liability policyholder, and therefore the driver, must receive the policy. Don't confuse this definition:

• owner is the one who is the legal owner of the vehicle;
• a driver is someone who is behind the wheel constantly or periodically and controls the vehicle;
• The policyholder is the one who is driving the car and wants to insure himself against losses associated with an accident in relation to the victims.

In practice, it may be that the owner of the vehicle will not have insurance, but a regular user will have it, while the owner must still be entered in a separate column, and who is the insured does not matter. The only thing this can affect is the final cost of the MTPL policy. Because whoever is the driver depends on his driving experience, age and the presence of accidents in the past period, which will directly affect the price of insurance, because this is directly related to the risks of an accident.

Risks when the policyholder is not the owner of the vehicle

There are practically no risks. It is useful to consider the various subtleties that can happen, the parameters of a motor vehicle in the light of this issue.

Calculation

When in an unlimited motor vehicle policy the person acting as the insured is not the owner, then his CBM is not taken into account.

Attention! The MSC directly depends on the motorists specified in the policy: when the vehicle license is unlimited, then the MSC of the car owner is applied/taken into account. Therefore, another person who has entered into an insurance agreement will not be able to influence this coefficient.

Receiving payments for auto insurance

The auto insurance policy insures civil liability for damage caused to someone else's property. Therefore, compensation is provided for damaged property of third parties.

Important! Only the owner of the car can receive insurance compensation. Another person can also count on receiving money, but only upon presentation of a power of attorney with notarization from the owner.

Making adjustments, breaking the agreement

Here, a surprise often happens for the car owner. Adjustments to the working insurance contract can only be made by the policyholder, these are:

• termination of the agreement upon sale of the vehicle;
• change of vehicle owner;
• adding/removing a registered driver from the list of citizens allowed to drive;
• correcting vehicle information;
• correction of an error made when registering compulsory motor liability insurance.

There is an advantage to this: when the car owner is unable to drive, other people will do it for him.

Is it permissible to add a new driver to the vehicle registration in the absence of the owner of the car?

The policyholder is required to include a new driver in the MTPL policy. In the case where the owner is also the owner, this can be easily done throughout the entire term of the agreement. But the driver who “drives” by proxy is not allowed to include anyone in the policy.

Attention! If the insured is not the owner of the vehicle, but another driver, then he has the right to include another person in the policy, but only if he has rights and a power of attorney for this car.

When including each new driver in the policy, it must be taken into account that depending on his age, general/accident-free driving experience, the price of compulsory motor liability insurance will depend.

Is it possible to insure a car without the owner?

As we have already found out, any driver should have an MTPL policy, even if he does not own a personal car. Now it remains to figure out whether it is possible to contact the insurance company to obtain insurance only for the driver, without the owner of the car? In order for the answer to be as accurate and reliable as possible, it is necessary to refer to the legislative framework. Federal Law No. 40 “On Compulsory Insurance...” states that anyone who has all the necessary rights and documents can take out insurance, even if they do not own a vehicle. Thus, the policyholder and the owner may be different persons, and one without the other can receive insurance.

If in practice a situation arises where the driver and owner of the vehicle are different people, then each of them is still included in the MTPL policy, but in separate columns where their status and the extent of the insurance coverage are determined.

But it's not that simple. As in any non-standard situations, there are exceptions:

1. Firstly, the policyholder must have a power of attorney, which confirms the consent of the car owner to include the policyholder in the MTPL policy. Moreover, it is not necessary to provide a notarized power of attorney, but it is advisable. If there is none, then simply the signature of the owner of the car to carry out such actions is sufficient.
2. Secondly, if the owner of the car is not included in the circle of drivers of this vehicle, then insurance does not apply to him. He must either obtain insurance in his name or be listed in the "Limited Access" column.

The peculiarities include the fact that only the policyholder, and not the owner, can make changes to the MTPL insurance contract. And if the owner of the car is not included in the policy as a person who can drive it, then in the event of an insured event - an accident, he cannot count on compensation for the damage caused. The only thing he will win is the restoration of the car, and only on the condition that the driver who was driving his car is not the culprit of the accident, but the injured party.

Registration of a car title without the owner of the car

Many people are interested in how you can insure a car without an owner? It is necessary to issue a power of attorney authorizing such actions. A executed power of attorney does not require notarization. The person for whom the policy is issued can independently make decisions regarding the car insurance policy.

Helpful information! Power of attorney comes in different forms. When registering it, the car owner must provide for the variability of insurance applicants, indicating the people who have the opportunity to receive insurance payments. Then you will need to have the power of attorney certified by a notary.

Algorithm of actions when applying for car insurance without the presence of the owner:

1. Collect documentation.
2. Visit the IC office.
3. Fill out an application on the insurer's company sheet, indicating your intention to buy compulsory motor liability insurance (sample).
4. Pay for insurance protection.
5. Bring a receipt, get insurance.
6. Carry out an audit of all documents: original vehicle license, receipt, accident notice.

Related article: How to choose an insurance company for compulsory motor liability insurance in 2020

Important documents

Registration of compulsory motor liability insurance not in the name of the owner of the car, in addition to the owner’s power of attorney, will require the following documents:

• previous MTPL policy (if there was one);
• Russian Federation passport of the policyholder;
• passport details of the vehicle owner (if the policyholder is not the owner);
• STS (vehicle registration certificate) or PTS (vehicle passport);
• driver's licenses of people authorized to drive vehicles;
• diagnostic card or maintenance ticket.

You can issue an MTPL policy without the participation of the owner of the car: to do this, you need to present the driver's license for the person who is entrusted with the driver's seat.

Important note! If you want to insure a car under compulsory motor liability insurance by an organization, you should know that insurance coverage covers all company employees who, due to their job duties, can use the vehicle.

Any employee can enter into an MTPL agreement: it doesn’t matter who exactly owns the car. It is necessary to provide the insurer with a power of attorney from the owner, or a corresponding order.

OSAGO online without the participation of the car owner

Insurers offer to issue an electronic policy: it is issued by a citizen who does not have the status of car owner. To do this, the insured driver enters his passport information, as well as the information specified in the owner’s passport.

Important note! You should carry out “online” vehicle insurance only by going to the official website of the insurer that issued the previous insurance coverage: all the necessary information is stored in the insurance company database.

The legislation gives an affirmative answer to the question: “Can a non-owner apply for compulsory motor liability insurance?” To apply for insurance coverage online in the absence of the owner of the car, you need to:

1. Go to your insurance company's website.
2. Select the “Electronic OSAGO” option.
3. Activate the “Buy” button. If the user is a beginner, you will have to register.
4. Fill out an online application, indicating the details of the owner, as well as all drivers of the vehicle.
5. The entered information is checked by the RSA database in no more than 2 minutes: upon completion of the check, the final cost is determined. Money is paid directly on the website using a plastic card.
6. Upon completion of the transfer, when the amount is paid, the E-OSAGO policy, as well as the accompanying documentary package, is sent by e-mail.

Related article: Applying for insurance retroactively

Is it permissible to obtain insurance coverage in another territorial location?

Car enthusiasts are wondering: is it possible to get insurance in another region? Any motorist can apply for insurance coverage without the owner of the car, while staying in a different territorial location.

Which insurance company to choose for obtaining a motor vehicle license?

Car enthusiasts are interested in: is it possible to obtain compulsory insurance from any insurer you like?

The law allows the new owner of the car to do this with any insurer, and it does not matter where exactly the insurance agreement was signed by the owner of the property rights to the vehicle. The car insurance policy is influenced not by the fact who owns the car, but by who is its policyholder.

You can apply for compulsory motor liability insurance at any insurance company. If you have difficulty making a choice, our editors can recommend the following insurance companies:

1. Tinkoff Insurance has been considered one of the best insurance companies for 3 years in a row. Online registration is fast and convenient. You can apply for a policy on the official website;
2. VSK is a reliable company. Previously, we were insured with VSK. The insurance was paid in full according to the contract. We can confidently recommend them. Registration also takes place on the official website.

Insurance cost

At the beginning of each new calendar year, the law establishes a basic tariff for the entire subsequent year: the upper/lower limits of the price scale for each car are taken into account. The calculation of compulsory motor liability insurance is based on the following coefficients, taking into account the formula:

The only discount that a person can count on receiving when taking out compulsory insurance is the discount for accident-free driving (ACD). It varies depending on the presence/absence of an accident during previous driving.

Video: How to calculate the cost of compulsory motor liability insurance?

Receipt times

A new car must be insured: ten days are allotted for this. The countdown starts from the date of purchase of the vehicle (new or used).

When you issue an MTPL policy at the company's office, the policy is issued and comes into force on the same day. When you apply for E-MTPL, insurance arrives by mail immediately after payment, but becomes effective after 3 days.

Article on the topic: Features of liability limits under compulsory motor liability insurance

How to get insurance

Now it is possible to obtain car insurance in one of the ways convenient for you: using the Internet or personally contacting a branch of the insurance company.

Online

The online method is becoming increasingly popular due to its remote processing. Not everyone can come to the company’s office in person, but submitting an application via the Internet or renewing an existing MTPL policy allows you to solve this problem. How to get insurance online:

1. Decide on the servicing insurance company.
2. Visit her official website.
3. Go to the “MTPL” menu and select “Online receipt of insurance”.
4. First, a standard form will open for you to fill out, where you will enter your data (the driver), the details of the car and its owner.
5. Then click “Calculate” and get the cost of registration. If you are satisfied with it, then submit your application for consideration.
6. In a few minutes, the application will be approved, and the electronic policy will be sent to your email. All you have to do is print it out.

Applying for insurance online is very convenient and saves a lot of time. At the same time, the electronic OSAGO policy is no different from the paper one.

When visiting an insurance company

The usual option is to contact the insurance company office in person. The owner does not have to be present, but his information will be needed. To immediately issue a policy, collect the necessary package of documents, including for the car. The registration itself takes no more than an hour, you make the payment and receive an MTPL certificate. The advantage of applying in person is the opportunity to receive detailed advice and eliminate errors when filling out online.

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.

What is needed to take out a policy without an owner

Is it possible to get a car insurance policy without its owner? According to the legislative decree of Federal Law No. 40, this can be done, but the question remains, are his documents and a power of attorney necessary? So, before contacting the insurance company, read the required package of documents:

• policyholder's passport;
• passport of the car owner (if possible, original or then a copy);
• driver's license (for everyone who will drive vehicles);
• car registration certificate;
• car passport;
• diagnostic card, if the car is more than 3 years old;
• power of attorney.

If you have collected the entire package of necessary documents, the insurance company does not have the right to refuse to issue you insurance, even in the absence of the owner in whose name the car is registered. If such a situation arises, refer to the provisions of Federal Law No. 40.

Thus, you can take out an insurance policy for a car without its owner; you just need to collect a simple package of documents and obtain his written permission. However, you must understand that in the event of an insured event and the need to receive payments, the personal presence of the vehicle owner will be required. Otherwise, such actions can only be carried out on the basis of a notarized power of attorney, which allows one to dispose of his property or conduct financial transactions.

Registration of a power of attorney for the right to insure a car

It is necessary to take into account that the power of attorney to issue an MTPL policy can be one-time or special. As for the one-time one, in this case the name speaks for itself. This document is required solely to perform one action, namely the purchase of compulsory motor liability insurance.

If a power of attorney is needed for several actions and for a long period, then in this case a special one is drawn up, which specifies all the rights of the trustee and the validity period of the document.

It is important to take into account that the special owner of the car can revoke the special license at any time, before the expiration date, if he loses confidence in his representative or he violates his obligations.

Validity periods

As for the validity period for an individual, it directly depends on the type of document.

One-time	As already mentioned, this document is issued to carry out a specific action. That is why deadlines are not taken into account when compiling.
Special	The term of such a power of attorney is regulated by the parties to the legal relationship and in most cases does not exceed one to 3 years.
General	For this type of power of attorney, the term is negotiated by the parties to the agreement and must be written down in the text of the document.

A power of attorney for insurance under compulsory motor liability insurance can be issued in the following options:

• one-time;
• special;
• general

A one-time power of attorney is intended to assign to another person the authority to perform a specific single action, therefore such a document is relevant exactly until the specified operation is fully implemented. For example, such a document can be issued by the owner of the car to the policyholder to purchase a policy. A sample form of a one-time power of attorney can be downloaded from the link.

According to a special power of attorney, its recipient can perform the same action for a longer period specified in the document itself (maximum three years). If such a period is not indicated in the text, it is generally accepted that the document is issued for one year. For example, a car owner can authorize the policyholder to renew the contract with the company and purchase a policy every year for three years.

A general power of attorney is issued if the car owner plans to entrust another person to carry out a range of operations with his car: insure the object, leave it as collateral, sell it, etc. Such a document must be certified by a notary office. A general power of attorney, if necessary, may also provide for the right to delegate the implementation of certain actions to third parties. The form for filling out a general power of attorney can be downloaded from the link.

Every vehicle owner is required by law to insure the car, but if this is not possible, then an authorized person can carry out this operation. You can take out car insurance not only on the basis of a one-time targeted power of attorney with notarization, but also if you have a general power of attorney, which provides the right to perform any actions with the vehicle.

When drawing up a power of attorney for the right to insure a car, you must submit a standard set of documents and when drawing up the power of attorney form, indicate the following reliable data:

1. The exact name of the document, place and date of its issue.

1. Details of the principal and the trustee (passport data of individuals and registration data of legal institutions).
2. The text of the power of attorney itself, which includes all the powers of the authorized representative - the right to insure a car.
3. Validity period of the document.

1. The clause on the existence of the right to formalize a transfer of trust.
2. Signatures of the parties, seals.

Today, in many families, a car is purchased not only for one driver, but also for other family members.

Help: It is possible to register ownership in the name of only one person, but to drive this vehicle, other persons will need a special document called a power of attorney.

But how are such a document as a power of attorney and the insurance itself interconnected? In some situations, you simply cannot do without this document to obtain a motor vehicle license. These include:

• the situation when insurance is taken out by someone other than the owner of the vehicle;
• occurrence of insured events when representation of the car owner is necessary. Most often, in court you need to provide a certain package of documents and carry out certain actions confirming the insured event.

Registration of compulsory motor liability insurance without the presence of the owner

To make insurance without involving the owner of the car, you need to issue a power of attorney to perform these actions. This document does not even need to be notarized. The citizen for whom the insurance is made has the right to resolve all issues related to insurance.

A power of attorney can be one-time, special, or general. During its registration, it is advisable for the car owner to also provide options for insurance cases indicating the person (or persons) entitled to receive insurance compensation. In this case, this document is certified by a notary.

Next, to insure a car without an owner you need:

1. Collect all necessary documents.
2. Come to the office of the insurance company.
3. Write an application on a special insurance company form about your desire to purchase an insurance policy.
4. Pay the cost of insurance directly at the insurance company office or at the nearest branch of any bank.
5. Show the receipt and pick up the policy.
6. Check all received documents: original MTPL, insurance premium receipt, notification (European protocol) of an accident.

Detailed step-by-step instructions on how the procedure works if you are not the owner of the car

In order to insure a car without being its owner, you need to adhere to the following algorithm of actions :

1. It is necessary to decide which company the contract will be concluded with.
2. If insurance will be taken out without the owner of the car, then the first thing to do is ask to write a power of attorney in the name of the policyholder.
3. Next, ask the owner for copies of documents for the car and his passport.
4. Prepare your ID and the licenses of all drivers who will be included in the policy.
5. Submit documents to the insurance company and make payment.

If the agreement will be concluded in the presence of the owner, then a power of attorney does not need to be provided.

You can take out a compulsory insurance policy without leaving your home . To do this, you will need to register on the insurance website and fill out all the required fields. This document can also be issued not to the owner of the car.

How is it processed if the owner passes away?

After the death of the car owner, the vehicle remains without an owner. The new owners will enter into legal inheritance rights only after six months, and it will be possible to take out insurance only with their permission.

If the owner of the car or the policyholder passes away, the car insurance contract is canceled and considered invalid.

According to the law, in the event of the death of the owner, it is necessary to report this to the traffic police , however, if this is not done, then at your own peril and risk you can drive a car under the old insurance. But you need to take into account that this option is not entirely legal, and if the death of the owner is revealed, a fine will be imposed on the driver, and the car may be taken to an impound lot. At the same time, it will be possible to take it away only after taking ownership, because parking lot employees do not have the right to hand over a car that actually does not have an owner.

That is, the only legal way to issue an insurance policy after the death of the owner is to wait until the heirs take over their rights and draw up an insurance contract only with their consent. Providing false information and concealing the fact of the owner’s death will be considered a violation of the law.

Who should be insured for?

Many people still think that a car liability policy can only be issued to the owner of the car, but this is a mistaken opinion.

The policy form has two different sections, which indicate the name of the legal entity or full name of the citizen:

• the policyholder;
• owner.

These individuals can be completely different people.

Means:

• Not only the owner, but any other person allowed to drive the vehicle can take out insurance;
• the presence of the owner himself is not required, but his data must be reflected in the policy.

The insured becomes the person who has entered into an agreement on compulsory motor liability insurance and paid for the insurance. His information as a driver is indicated in the document, thus, he is covered by the policy.

If the MTPL policy is not issued to the owner, then the owner does not need to be included in the form as a driver.