From what moment does the OSAGO policy begin to operate?

Additional payment for MTPL policy, or how to extend the period of use

You can extend the minimum period of compulsory motor liability insurance without problems - for this there is no need to buy a policy again or overpay for existing insurance.
All that is required from the client is to indicate for how long your right to travel is extended and pay the remaining amount of the insurance amount. For how many months the extension is issued is up to the car enthusiast to decide. It is not at all necessary to renew the insurance policy for the entire period of its validity! Be careful! If you are late in paying additional payments for car insurance for a minimum period of 30 days after the expiration of the compulsory motor liability insurance policy, you may receive a refusal from the insurer to renew it. He has the right to demand the conclusion of a new contract, which will cost an additional tidy sum.

In accordance with the law, the insurance company extends the compulsory motor third party liability insurance contract one month before its expiration upon request. This is regulated by the provisions of the Civil Code of the Russian Federation on public contracts (Articles 426, 445 of the Civil Code of the Russian Federation).

Based on the law, if the contract expires on August 31, you can file an appeal as early as the 1st of the same month. This is especially convenient if you are planning a trip - after returning, you can immediately get behind the wheel. In addition, contacting the insurer ahead of schedule eliminates the risk of refusal to renew due to the lack of forms. You just need to come on the day specified by the policyholder and get a new policy. In this case, you don’t have to worry about not meeting deadlines.

However, in practice, insurers are extremely reluctant to agree to a preliminary renewal. Most often the following options are possible:

• when renewing with the same insurance company, this can be done 2 weeks before the end of the old period;
• when contacting another insurer, a new contract will be concluded with you no earlier than a few days before the old one is cancelled.

And only in rare cases do insurance companies issue a new document 30 days before the expiration of the previous one. At the same time, it states that liability will arise only after a second inspection of the car. This means that you will have to undergo a technical inspection twice: once when you sign the agreement, after which it will take effect, and a second time when you apply for an extension before the expiration of the current one.

In addition to the question of whether it is possible to issue an MTPL insurance policy in advance and how long before this can be done, it is important to take into account the possibility of a discount on KBM. To receive it, you must have a year of accident-free driving. Here you need to pay attention that exactly 12 months must pass from the date of the last execution of the contract.

Therefore, when applying for new insurance before its expiration date, you need to be prepared for the fact that there will be no recalculation of the CBM, since the required period of time has not yet passed. This means that you will have to buy insurance at the current price, without taking into account the discount for accident-free driving. But if you plan to increase insurance rates, this option may be more economical.

Regardless of whether there are a certain number of days left until the expiration of the policy or its term has already expired, the presence of the owner of the vehicle is required for renewal. Without this, you can extend the MTPL policy only if the applicant has a power of attorney from the owner. This requirement is the same in all cases of applying for insurance.

In addition to the power of attorney, you need to present a standard package of documents that is required when drawing up an agreement, including a copy of the vehicle owner’s passport. Otherwise, the procedure is the same as when contacting the car owner’s insurer: you write an application, present documents, pay for the service and receive up-to-date insurance the same day.

Thus, the MTPL policy can be extended or purchased in advance without waiting for its validity period to expire. This design option has certain advantages that can be useful for the car owner. However, when making such a decision, it is worth taking into account all the nuances of such an appeal to the insurer, which are discussed above.

Additional payment or how can I extend the period?

It’s easy to calculate the cost of renewing your MTPL policy. The contract with the insurance company is concluded for a year. This is indicated in the upper right corner of the document. The cost of the policy is an indicator that does not change .

The minimum period of car insurance is 3 months. Often it is issued by people who intend to sell the car soon. For three months of the policy, the car owner will have to pay exactly half of the cost of insurance for the year.

If during this time a person fails to sell the vehicle, he can easily increase the insurance period until the end of the year. In other words, the renewal insurance will end one year after the policy is issued .

Over the next 9 months, the car owner will need to pay the insurance company the remaining half of its annual cost, that is, the same amount that he paid at the very beginning, when he took out three-month insurance.

The same situation is observed if a person initially took out insurance for a period of six months, the cost of which is 70% of the annual one. If it is necessary to extend the period to a year, he will have to pay the remaining 30%. Read more about the validity period of an MTPL policy and how to renew it online, and in this article we told you how many days before the expiration of the policy you can issue a new one.

Can I apply again and when?

July 1, 2015 is the day when electronic and paper insurance contracts were introduced. You can take care of receiving it ahead of time, avoiding queues and last-minute cancellations due to office closures. It is easier to issue an electronic policy than a paper one.

Drivers often take out a new OSAGO policy in advance. By doing this, they do not violate any laws and regulations in force in Russia. They did not set a deadline for when you need to contact the insurance company for new car insurance. Clause 1.12 only says that the driver must apply for a new one as soon as the old one runs out.

In accordance with Articles 426 and 445 of the Civil Code of the Russian Federation, the legislator established a 30-day period for agreeing on the conditions and the same number of days for resolving disputes over the conditions. In other words, sixty days before the end of the old policy, you can contact the policyholder for a new one, until the moment the insurance ends.

The regulatory documents nowhere regulated the deadline for issuing compulsory motor insurance for the new insurance year.

Policyholders recommend applying for it 30 days before the end. Sometimes they do it earlier due to certain life circumstances. Even if you issue it in advance, the new one will be valid from the date the old one expires.

The procedure for drawing up a new contract when applying before its expiration follows the standard renewal scheme. You are required to:

1. Provide the insurer with a package of documents.
2. Write an application for a new OSAGO policy. The law does not establish a uniform form of registration, so each company has its own template that must be followed.
3. Pay the cost of insurance and present the corresponding receipt.
4. Receive a document whose validity period coincides with the issue date. It can be in electronic or paper format, depending on your preference.

Validity period of the MTPL policy and period of use of the vehicle

For how long can you apply for compulsory motor liability insurance? The maximum validity period is 1 year. It is worth noting that this option is the most profitable, you do not have to overpay.

When purchasing for a shorter period of time, you have to overpay as a percentage, although the total amount payable will fall. For example, to purchase a six-month policy you will have to pay 70% of the cost of annual insurance. This provides a one-time saving of 30%, but with a further purchase for another six months, the total overpayment will be 40%.

The advantage of taking out annual insurance is that even if the cost of the service increases, the price for you will be fixed and no additional costs will be required. If you plan to issue a temporary contract, it is recommended to find out in advance the cost of insurance for a year in order to extend the compulsory motor liability insurance if necessary.

When taking out a policy, it is possible to divide the period of validity of the contract. Thus, you can schedule the planned period of use 1 year in advance, for example, 2 months in winter, 3 months in summer and 1 in spring. When paying, the listed number of months is calculated, not the entire year.

Let's consider the ratio of the cost of temporary policy registration in months in relation to the annual cost:

• 3 — 50 %;
• 4 — 60 %;
• 5 — 65 %;
• 6 — 70 %;
• 7 — 80 %;
• 8 — 90 %;
• 9 — 95 %.

By making stage-by-stage payments, citizens who insure their cars under MTPL can, in practice, increase the efficiency of their insurance. By deciding for yourself for what minimum period to insure your car under compulsory motor liability insurance, you can get quite significant savings. Why pay in full for liability insurance on a vehicle that will sit idle for several months of the year?

In any case, it is obvious that if the car's downtime is not so long, it is better to purchase a comprehensive insurance policy. The logic of lovers of “minimalism” is as follows: “In a month of vacation I can do without a car, another three to five months of frost and ice - that’s almost half a year in total. I buy a policy for three or six months, saving the rest of the amount, and then, if the need arises, I will add as much as necessary.” Agree, it is difficult to object to this!

Before considering the specific time periods of the agreement between the insurer and the motorist, you should decide on the answer to the following question: the validity period of the policy and the contract are the same thing or not.

Thus, it turns out that the policy is the “material expression” of the contract between the policyholder and the insurer, its form. Accordingly, to determine the validity period of the agreement between these parties, you just need to look at the policy. In its upper right corner the period of validity of the agreements is indicated.

If we talk about the deadlines established by law for contracts under compulsory motor liability insurance, they are as follows:

1. 1 year is the general rule. That is, if a specific situation does not have any nuances, then the policy is issued for 12 months.
2. 5 days or more – for owners of vehicles registered in foreign countries.
   The law does not explain what the maximum period of validity of the contract may be, but defines the following: insurance is issued for the period the car is in the territory of the Russian Federation. Example: a foreigner came to Russia by car for 3 days. He will have to take out insurance for 5 days, because this is the minimum insurance period. Another example: a person came to the Russian Federation for 12 days. It is more than 5 days. Insurance must be taken out for this period. A situation where a foreign car will travel on the country’s roads for a certain number of days without insurance is not allowed.
3. You can insure a car for up to 20 days in two cases. If the new owner goes to the place where the vehicle is registered. And if you need to undergo an initial or re-inspection.

In Art. 16 of the Federal Law, which has already been mentioned, uses the term “limited use”. According to the provisions of this article, the car owner has the right to insure the car for a period of 3 months, despite the fact that it was stated above: as a general rule, the policy is issued for 1 year.

Insuring for several months is beneficial not only for owners of, say, agricultural machinery that is used only in spring, autumn and summer, but also for ordinary drivers who do not have the money to buy insurance for 12 months.

We would like to add that there are 50% discounts if the offender pays the fine within 20 days. Some sources on the Internet indicate that traffic police officers can remove state registration plates from cars. This information is not current.

Use our online calculator to calculate compulsory motor liability insurance online - compare prices from different insurance companies. Save from RUB 1,498 to RUB 3,980 as the base rate may vary by 20%. No need to go to the office - you will receive an insurance policy to your e-mail

Thus, of course, the size of the fine discussed above is not scary. The scary thing is that the person at fault for the accident, who does not have liability insurance, pays for the damage from his own pocket.

It is worth noting that MTPL policies concluded for any period will always have a mark of 1 year. The number of months is prescribed separately and is called the period of use, which is actually the period during which the driver will use the car.

For example, a driver buys insurance for three months. He can choose a month in summer, a month in spring and a month in winter. How convenient for him. Accordingly, the insurance policy will cost less if you take it out for such short periods. However, if you compare the cost of an annual policy per month and a limited one for 3 months, then an annual one will cost less.

So, how much will the driver save if the period of use is 3 months? The coefficient will be 0.5. To see the full table of coefficients, consider Figure 1.

When concluding an insurance contract, you must always clearly monitor its validity period and expiration. The law establishes a fine of 500 rubles for an expired policy.

It is possible to extend the validity period of compulsory motor liability insurance, limited by periods. It is absolutely not necessary to take out a new policy every time, because, as we have already found out, this can be very unprofitable. If such a need arises, in most cases it is better to purchase a policy for the whole year at once.

What is the period of use of the car?

The period of use of the vehicle is indicated in the policy in the upper right corner of the document, immediately after the “Validity period of the MTPL agreement”. This indicator means exactly how many months a person will use his vehicle . Throughout the entire period, the insurance company will be required to bear responsibility for it.

If you are going to use the car throughout the year, then the period of use of the vehicle will coincide with the validity period of the insurance policy.

It is worth noting that the shorter the period of time a car owner takes out insurance for his car, the more it will cost him. Therefore, when answering the question “for how long can you insure a car under compulsory motor liability insurance”, I would like to note that the more, the better and more profitable for you. A person can insure a vehicle for several months, but if desired, he can always increase the coverage of the insurance. Read about when and how to renew your MTPL policy here.

On our portal you can also find important information about insurance claims under compulsory motor liability insurance and restoration repairs. In this material, we talked in detail about the timing of consideration of insurance claims and when to write a statement and how to open a case. And in this article you will find answers to questions about when the restoration repairs should be completed and what to do if it is overdue.

Validity period of the MTPL policy

In particular, many motorists are interested in the question of the time frame for which compulsory motor liability insurance can be issued. Before we talk about the timing of registration of a vehicle citizenship, it is necessary to distinguish 3 categories of vehicles, the conditions for obtaining insurance for which differ (N 40-FZ):

1. Vehicles registered in the territory of another state and arriving in the territory of the Russian Federation.
2. Vehicles arriving in Russia in transit.
3. Vehicles continuously operated in our country.

Now let's take a closer look at each group of vehicles. Drivers temporarily arriving in Russia in a car registered in another state must purchase a motor vehicle insurance policy for a period of five to fifteen days.

If the driver drives the vehicle to the place of technical inspection or to the place of registration, he must have insurance for exactly 20 days.

And finally, the main group of car owners whose vehicles are continuously used in our country are required to take out a standard MTPL policy for 1 year.

But here it is necessary to make a reservation that one year is the validity period of the car license agreement, but the owner has the right to choose the period of use of the car himself.

The minimum possible period of use within the annual contract is 3 months. The less the driver uses his car, the cheaper the coveted policy will cost him:

• three months of car use – half the insurance price;
• four months of vehicle use – 60% of the insurance price;
• five months of vehicle use – 65% of the insurance price;
• six months of vehicle use – 70% of the insurance price;
• seven months of vehicle use – 80% of the insurance price;
• eight months of vehicle use – 90% of the insurance price;
• nine months of vehicle use – 95% of the insurance price.

It should also be taken into account that insurance for 10, 11 and 12 months will cost the motorist the same amount. Car owners who chose the first option for the insurance period - 3 months - will be forced to pay half the cost of the MTPL policy for a year, but taking out insurance for six months will cost 70% of the total cost.

If necessary, you can extend the partial insurance period up to a year, and at the same time its total cost will not change. For the convenience of drivers, you can choose a separate period of operation of the car. For example, two months in winter and one in spring. The most important thing in this case is not to delay payments in order to avoid penalties, both from the road patrol service and the insurance company, which can recalculate the insurance cost coefficient for the rest of the term upward.

For people who have their car registered in another country, but who plan to temporarily stay in Russia, the minimum registration period is 5 days.

Basically, this provides an opportunity to settle matters and return home or transit to another country. If this time is not enough, you can apply for 15 days.

For vehicles that are sent to a place of permanent use after repair or purchase, a registration duration of 20 days is used. There is no option to extend or shorten this period. If a permanent insurance policy is not issued during this period, the owner will have to leave the country.

In fact, purchasing short-term insurance is beneficial only if the car is not planned to be used for a long time, otherwise the amount of payment for a permanent purchase of the policy may increase by 2 times.

It is recommended that if the sale did not take place over a period of time or circumstances have changed, simply extend the OSAGO, so you will only have to pay the remaining amount of the annual cost. The basic rule is that you should renew until the insurance expires, otherwise the company has the right to draw up a contract again.

It is most economical to buy for the period you plan to use. If there is no need for a car for some time, you will be able to save 5-50%. Otherwise, you will only have to spend a little time renewing the contract.

For residents, compulsory motor liability insurance is issued for 1 year, then a re-drafting of the insurance contract is required.

First, you should understand the difference between two important definitions that characterize compulsory motor liability insurance for registration:

1. Validity of car insurance. It is always unchanged and equal to one calendar year.
2. Time to use the insurance policy. It is adequate to the period during which the driver expects to operate his vehicle, and at a maximum is equal to the policy year.

According to Art. 1 of the Federal Law “On Compulsory Motor Liability Insurance”, under a compulsory insurance contract, the insurer, having received money from the policyholder in a certain amount (calculating it is a separate story), assumes the following obligation: in the event of an insured event, pay the victim or several victims in an accident money, in damages account. The upper limit of payments is limited by law, but that is not the point.

If the contract expires, the insurer’s obligation to compensate the victim for damage will not be relevant, because the company that issued the MTPL policy undertakes to comply with the agreements during the period of validity of the policy.

Thus, if a driver whose insurance is expired causes an accident, he will have to pay for the damage out of his own pocket. The insurance company rightly noted that at the time the incident occurred, there were no agreements.

In addition, according to the Russian Federation Traffic Regulations, driving a vehicle without insurance is an administrative offense for which the relevant Code provides for liability.

Calculation of tariffs by insurance period

Do not confuse the period of use of the car with the period for which the contract was concluded. As a general rule, a compulsory insurance contract is concluded for a period of one year, with the exception of compulsory motor liability insurance for cars registered in foreign countries and temporarily used in Russia, as well as transit insurance used to travel to the place of registration of the vehicle.

An MTPL policy is a guaranteed paid liability of a vehicle driver to other road users. The guarantee is that if the insured person participates in any road accident, his liability to the victims will be compensated not by him personally, but by the funds of the insurance company that has assumed such an obligation according to the contract.

Legislatively, insurance standards are enshrined in the Civil Code of the Russian Federation and Law 4015-1. The rules for the provision of MTPL insurance services are established by Law No. 40-FZ, as last amended on May 23, 2016.

Minimum

The minimum period for which it is allowed to issue a civil liability insurance policy is fixed at three months. The procedure for concluding an agreement is not particularly different from the standard one, except for indicating the term and tariff.

When contacting an insurance company to purchase a policy for three months, the applicant will be asked for the following package of documents:

• personal identification document;
• special digital code received from the State Tax Inspectorate;
• driving license of the driver and all other drivers if they will drive this vehicle;
• title document for the vehicle;
• application in the prescribed form for insurance.

For half a year

The option of car insurance for six months is used mainly by large enterprises that use special equipment. These vehicles are not always used in everyday life all year round, therefore the state at the legislative level allows issuing policies for such devices as needed.

The package of documents for legal entities is slightly different from the physical one and is supplemented with the following documents:

• a notarized power of attorney allowing you to represent the interests of the organization;
• document on state registration of the company;
• car diagnostic card;
• Have a wet seal with you to certify documents.

Of course, individuals are also allowed to take out a policy for six months, but the cost of insurance significantly hits the owner’s pocket.

For a year

By concluding an insurance contract for the whole year, you don’t have to monitor the terms, as in other types of policies.

To understand what the savings will be if you take out MTPL for a minimum period, you can independently calculate the amount of insurance.

Now let's talk in more detail about each coefficient:

1. Kt – coefficient of territorial affiliation of the vehicle. Its value is determined depending on the place of residence of the car owner.
2. Kbm – bonus-malus coefficient. Accrued depending on the period of accident-free driving.
3. Kvs – coefficient of the policyholder’s age category.

1. Ko – the number of people included in the policy;
2. Km – coefficient depending on vehicle power

As is clear, the higher the vehicle’s power rating, the more expensive the MTPL insurance policy will cost, be it for one month or for a longer period.

In addition, one more point is worth noting. There is a plate containing data on the fractional cost of the insurance contract.

From these data it is clear that when purchasing compulsory motor insurance for a minimum period of 3 months, the motorist must pay exactly half of the finished cost of insurance. A 6-month auto license will cost 2/3 of the base price of an annual contract.

Read on, is it possible to take out a compulsory motor liability insurance policy and then change the insurance period?

A more detailed period of use of the insurance policy is indicated in the lines below in the form. Therefore, the form itself takes into account both the general insurance period provided for by Law No. 40-FZ “On Compulsory Motor Liability Liability Liability Insurance” and clarification of the terms of use of the motor vehicle license - for a different number of months.

When breaking down the policy, its periods of use, by month of the year, each driver must understand that during other periods of time the car insurance contract will be considered invalid.

As is clear, companies insure for any period. And which design option is the most profitable, everyone decides for himself, because everything depends solely on the specific case.

Federal Law “On Compulsory Motor Liability Insurance” and Rules for Compulsory Motor Liability Insurance

The minimum period of MTPL insurance varies depending on the type of car, place of registration and some other factors. So, if a vehicle is registered and registered outside the Russian Federation, the minimum time for it is 5-15 days. For transit vehicles or vehicles heading to the inspection site, a time period of 20 days is established.

For the first two categories, questions should not arise - everything is clear there. As for the third category of auto insurance subjects: it all depends on whether the owner of the technical equipment is an individual or a legal entity. For the first group of citizens, a three-month minimum period is established, for the second - a six-month minimum (in the case of using special technical means, sanitary, agricultural equipment, etc.) period for issuing a policy.

The methodology for calculating such incomplete insurance is based on the functional dependence of its cost on the time of use. If the policy is intended to be used within three months, you will need to pay half of the entire amount for it - a coefficient of 0.5 is applied. The longer the policy is expected to be used, the closer the coefficient approaches one.

Since no additional documents are drawn up when concluding compulsory motor liability insurance for a minimum period, it means that you must be very careful: if the period of use of the vehicle goes beyond the time frame covered by the policy you purchased, any traffic police officer has the right to apply penalties, since this will be considered driving without a valid insurance policy.

Based on what has already been stated, we note that the MTPL policy ceases to be valid. Past agreements between the car owner and the insurer are not taken into account. But calling OSAGO invalid is wrong. More precise wording:

• inactive;
• expired;
• expired.

Based on the norms of legislation, in particular civil law, a document that is drawn up with any violations of the law is considered invalid.

If the policy meets all current requirements, but its validity period has expired, then it cannot be called invalid. He's:

• made using official form;
• issued in accordance with the rules provided for by law;
• an insurer who has a license and other necessary documents, an insured who owns a vehicle and is legally competent.

But this is all a discussion about wording. By and large, it does not matter whether the policy is called invalid or inoperative. It is important that if the date and time of expiration have arrived, then there are no longer any obligations between the parties to the contract.

Many car owners approach the choice of insurer very lightly, citing the fact that “the cost is the same almost everywhere.” They also often cite as an argument the fact that even if the insurance company goes bankrupt, the policy will still be in effect.