What to do if you lost your car insurance: how to restore it

October 8, 2019

Is it possible without a policy?

If you stopped?

How to recover?

Refuse to restore

Loss or mechanical damage of any documents is an unpleasant occurrence. For a person, this means a lot of time spent tediously collecting documents and constant queues. In this hierarchy, car insurance is one of the most frequently forgotten documents. They explain that driving without this paper entails only administrative liability. However, drivers who have been involved in a traffic accident are unlikely to think so. In the article we will tell you what to do if an unpleasant situation does happen and you have lost your MTPL policy, because every motorist should know how to restore an insurance policy.

Is it possible to drive without a policy if you have lost it?

In real life, unplanned events often occur; failure to preserve documents is one of them. Anything can happen. You left the insurance in a public place without the possibility of return, got caught in the rain, which caused the paper to deteriorate or, conversely, faded after being in the sun. If the insurance is lost or damaged, there is little pleasure, but first of all you need to inform the traffic police and the insurance company about the loss, and then figure out how to restore it and what to do.

It often happens that you notice a loss at the last moment: when you need to go to work or when stopped by a traffic police officer. Is this a familiar story? The question immediately arises: is it possible to drive a car for some time without a policy? It is forbidden . Insurance is mandatory for every car owner. In theory, you can drive, but this is only until the first stop by the traffic police. Don’t forget that there is always a danger of getting into an accident. Then, if you do not have a policy and it is established that you are at fault, you will have to cover the costs of the other driver. It's up to you to decide whether to take risks or not. But we still recommend using a taxi or public transport to get to the insurance company and solve the problem.

When they already stopped

If you are stopped by traffic police and it turns out that your MTPL policy is lost, you will face a fine, so you need to think in advance about how to restore it.

As a standard, 800 rubles are charged for the absence of a document. In a lighter version, you will be asked to pay 500 rubles: such a fine is provided for a policy forgotten at home. The good news is that they don’t take away your license, tow your car, or remove license plates for this. In addition, if you stop again, there are no additional sanctions, the same 800 rubles.

It is also important to distinguish when the policy is lost or damaged, and when it is expired or does not exist at all. In the first case, traffic police officers can enter your insurance number into the database and, under favorable circumstances, release you without a fine. In the second, you will have to give the money.

What is the risk of loss when stopped by an inspector?

A motorist driving a vehicle must strictly have a compulsory insurance policy with him, and also provide it to the traffic police inspector upon request (clause 2.1.1 of the traffic rules). In the absence of a driver's license, administrative liability awaits the driver.

Article 12.3 of the Code of Administrative Violations of Russia in paragraph 2 states that when driving a car with a driver who does not have compulsory motor liability insurance, a protocol on the violation committed is drawn up with a warning, or it is punishable by a monetary penalty in the amount of 500 rubles.

Attention! Since 2014, traffic police officers have no right to apply any penalties other than a fine for lack of insurance. This means that taking a car to an impound lot or removing license plates from a car is illegal.

The worst situation is when a traffic accident occurs involving a driver who has lost his license. The insurer may refuse to pay compensation for the restoration of the vehicle.

How to restore your MTPL insurance policy?

Now let's look at the procedure when you have to get a new policy. There is no need to purchase a new one, because last time you were included in a special unified database of insurers. No additional financial resources are required.

First of all, you should go to the insurance company where it was issued to you. To restore a lost MTPL insurance policy, you need the following documents:

Passport
Driver's license
Vehicle ownership document
Receipt for payment of the policy (if available)

You also need to write an application to have your car license reinstated. In a week you will be able to receive a duplicate of your MTPL insurance policy.

You can apply for policy restoration here.

Actions in case of loss of MTPL insurance

What to do if the driver has lost car insurance? If you lose your car insurance, you can restore it in a fairly short time.

To do this, the motorist needs to come to the nearest office of the insurance company where the MTPL policy was received and provide the necessary papers confirming the status of the owner of the car with an application for the issuance of a duplicate. The procedure is quite lengthy and requires a lot of time from the car enthusiast.

If a motorist has received a policy in electronic form, he can make a duplicate remotely, without leaving his home. You just need to go to the insurance company’s portal, find your insurance in your personal account and print out a new copy. This is not only very convenient, but also saves a little time.

Restoration of compulsory motor liability insurance in an insurance organization involves:

Collection of necessary documents.
Appearing at the insurer's office.
Obtaining a copy of the MTPL policy.

A copy of the motor vehicle license is provided to the person in whose name the contract with the insurer was drawn up. Using passport data, an insurance agent can find information about a compulsory insurance policy in the database and make a duplicate.

IMPORTANT! The legal representative of the policyholder can also restore compulsory motor liability insurance. To do this, he must have a power of attorney from the person who drew up the contract with the insurance company. If the driver is only included in the vehicle registration, he does not have the right to receive a copy.

The document is prepared at the office of the insurance company:

The header of the application indicates the insurer's data - the name of the organization with full name and the position of its head. The applicant’s full name should also be indicated here.
Below you need to describe the request in which the car owner needs to restore car insurance and indicate the reason for issuing a duplicate.
At the end of the document, you must sign the car owner and indicate the date the paper was issued.

If the policy is lost, a duplicate is issued from the insurer. To do this, you need to provide the company with an application for restoration and a package of documents confirming the status of the car owner. Often, citizen and driver identification cards, technical passports, and diagnostic cards are accepted in this capacity.

If the insurance policy is issued electronically, then all you need to do is go to the car owner’s personal account on the insurer’s website and print a new copy remotely.

A duplicate of the MTPL policy is issued without charging a fee to the insurer. Typically, this practice is accepted by the internal rules of insurance companies for the first 2-3 times. Subsequently, if the policy is lost, a fee for issuing copies in the amount of 300-400 rubles is introduced. and higher depending on the insurance company.

What documents are needed to restore the insurance policy:

a copy of the car owner's passport;
driver's license;
PTS certificate.

If you follow all the above tips, then every car owner will know where and how to restore the insurance policy. Take care of your documents!

What to do if the driver has lost car insurance? If you lose your car insurance, you can restore it in a fairly short time.

If you have forgotten your insurance number, you can go to the official portal dkbm-web. autoins.

There you enter the VIN, as well as the registration number of the car. Based on this data, the car owner's insurer is determined.

If you follow all the above tips, then every car owner will know where and how to restore the insurance policy. Take care of your documents!

Today, there are 3 most common reasons why the policy may need to be reinstated. In the first case, it will be necessary to restore compulsory motor liability insurance as a result of its loss.

As statistics show, there are quite a lot of such cases. And the second reason why restoration may be required is the sale of the car.

It is in this case that it is also necessary to take a duplicate of the policy, that is, restore it and only then carry out the procedure for terminating the contract.

Finally, a less common reason is a change in the last name or personal data on the car owner’s driver’s license. For the most part, this applies to the female half of society, when as a result of marriage not only the passport changes, but also the rights, therefore, it will also be necessary to replace the policy.

First, let's look at the dangers of not having a driver's compulsory motor liability insurance policy. Since this document is mandatory for driving a vehicle, failure to provide it to a traffic police inspector will result in a fine.

The size of the fine varies - you will need to pay 800 rubles if you cannot prove that you have a compulsory medical insurance policy, and 500 rubles if you prove that you have a policy and cannot provide its number.

In addition to constant fines on the road, you also face various legal difficulties. Firstly, it will be very difficult for you to carry out registration actions with the car, since most of them require a compulsory motor liability insurance policy.

Secondly, it will be very difficult for you to complete the necessary documents in case of an accident - in this case, you will not only encounter problems filling out the report, but you may also completely lose the protection provided by the policy.

It happens that compulsory motor liability insurance is lost, as is important data about the insurance company. How to recover lost data in this case and is it possible to do this? After all, in fact, everything has been forgotten, right down to where exactly the insurance policy was issued.

In this case, you need to contact the service provided by the RSA database. This system stores all data regarding compulsory motor vehicle liability insurance.

How can I get information about my issued policy? To do this, you need to go to the appropriate section of the database, which allows you to check if you only have information for the car.

What to do if you have lost your electronic MTPL policy for your car? In this situation, there is no need to go personally to the insurance company and submit any documents.

A copy of the previously executed document is always located in the personal account of the website of the insurance company with which you executed it. It is also sent to the email address specified during registration.

Therefore, restoring insurance is quite simple, you just need to go to your personal account and re-print the compulsory motor liability insurance policy on paper.

Keep in mind that you are not obliged to voice the reason for the loss of the policy either to the insurer’s telephone operator or to the manager when visiting the insurance company’s office. However, such a question is usually asked without fail. You can tell the truth that the document is lost, but the best option would be to report not about the loss of the joint venture, but about its irretrievable loss.

Over the phone, you may be given recommendations for further action. But if you do not want (or are unable) to call, you can visit the insurer without prior notice.

Keep in mind that a policyholder's call to the insurance company notifying them of the loss of their policy will trigger its cancellation. This operation can be carried out immediately after the call or postponed for some time.

Therefore, if you suddenly find a lost document after a message, then make a second call and find out whether the cancellation of the joint venture has been applied using the AIS RSA database. If you have not done this yet, then report that the policy has been found and withdraw your notification, apologizing for the concern.

The best option is to apply for document restoration at the insurance company branch where you paid the insurance premium, signed the contract and received the policy.

But this is not always possible, since insurance is often purchased from insurance agents or independent brokers. By law, such commercial partners of insurers do not have the authority to carry out the restoration of the joint venture. Also, the loss or loss of a document may catch you somewhere in another city or region.

In this case, contact the nearest branch of your insurance company for restoration. If possible, it is better to do this not in your own transport, since you may be fined on the way, even despite notifying the Investigative Committee by phone.

Digital copy

Today, many motorists use an electronic copy of insurance rather than a traditional one. This is convenient - you can buy it online and restore it more easily. However, the owner of the car is required to have a printout of it with him.

The convenience is that it is impossible to lose insurance purchased online. All data is saved in the database. If a printout of your MTPL policy is lost, it’s easy to restore it. All you need to do is log in to your personal account on the insurance company’s website. You can also print a new form there. We remind you that all drivers are required to have it with them.

There may be situations when everything happens exactly the opposite. There is an electronic policy, but its paper version has disappeared. Here you need to contact your insurance company with a printed document and ask to issue a policy, previously drawn up on a strict reporting form.

Liability for loss

Driving a vehicle in the absence of a document entails administrative liability - a fine of 800 rubles. This norm is established by clause 2 of article 12.3 of the Code of Administrative Offenses of the Russian Federation. If the document was not executed in the proper manner, this entails punishment established by Article 12.37 of the Code of Administrative Offenses of the Russian Federation.

If the driver has an issued insurance policy, but when committing a road traffic it is not available, then this entails prosecution on the basis of Article 12.3 of the Code of Administrative Offenses. The fine in such cases is set at 500 rubles. one-time, a warning is also issued.

According to clause 2.1.1 of the Traffic Rules, the driver is obliged to carry and provide a compulsory motor liability insurance policy upon the first request of a traffic police officer.

It’s not for nothing that people worry when they lose their MTPL policy, because such an oversight will cause problems with the traffic police. It’s one thing if a person forgot a document at home, and in the near future someone will be able to submit this paper, then there will be no problems. But it’s a completely different matter if it turns out that the insurance is lost or stolen, and at the same time the person got behind the wheel. In this case, they have the right to fine you up to 800 rubles and have the vehicle towed to a impound lot.

You should also make sure that only MTPL is lost. Because if other official papers also disappeared, for example, a technical passport or a registration certificate, then there is a high probability that it was theft. You should immediately contact a law enforcement agency and file a report regarding the theft.

The insurance company refuses to reinstate the policy

You did everything right, but insurers refuse to reinstate your policy. Unfortunately, such moments also happen in a driver’s life. What to do in such cases?

To begin with, contact directly the official who refuses to restore it. He must write a written notice detailing the reasons for his refusal. After this, you need to act in accordance with what he answered.

As a last resort, contact the Russian Union of Auto Insurers. They will tell you how to act in such situations.

Email address for receiving scanned copies of complaints and requests: .

RSA information center telephone numbers:

(495) 641-27-85 – for residents of Moscow and the Moscow region,
8-800-200-22-75 – for residents of other regions of the Russian Federation.

I forgot where I took out insurance

We have already found out that it is important to resolve all issues with insurers. But this knowledge can be broken by a not so rare problem: the car owner simply forgot where he took out the policy. This mainly applies to older people; they simply might not remember the name of the company. This is easy to solve. You need to go to the website of the Russian Union of Auto Insurers. There, enter the VIN number and registration plate of the car. The system will immediately provide information about which company issued the document to you. After this, you can contact her to reinstate the policy. If the policy was issued through an electronic broker, then you just need to go to your personal account, everything is saved there.

As you can see, it is possible to restore a lost vehicle license. However, the procedure requires time and effort, which not everyone has. The lack of insurance in the event of an accident can even provoke endless walking through the authorities with evidence of one’s innocence. To prevent this from happening, renew your policy on time and always keep a copy with you. Having an electronic copy makes life much easier; it can be restored much faster.

Good luck on the roads!

What are the pitfalls?

The algorithm for how to restore a compulsory motor liability insurance policy if lost is quite simple. However, due to accompanying circumstances, additional difficulties may arise:

The document has expired. If the last day of OSAGO validity has already approached, the owner will have to take out a new policy for an additional payment. There are situations when it is necessary to provide a policy for automobile history. Then the insurance company is obliged to issue a duplicate policy, but it will no longer allow you to receive insurance compensation.
OSAGO was stolen. Some motorists may decide it is worth contacting law enforcement. However, this is impractical: a stranger will not be able to use the policy, since the document is not issued in his name, and searching for the policy on the part of the police will take too much time. It is better to immediately go for a duplicate.
The insurance policy was lost, wet or torn immediately after receiving the insurance document. In this case, you need to wait 3 to 5 days until information about the insured person and the car enters the insurance company database. Usually the information is processed within 5 days, after which you can get a duplicate.
It is not known which insurance company to contact for restoration. This problem arises if the policy was issued through an intermediary. You need to go to the RSA website and start searching by vehicle passport number. The system will display information about the insurance, including the company that issued it.

This is where all the nuances of compulsory motor liability insurance restoration end. If the insured person has additional questions, he can ask them to an insurance company representative during a free telephone or online consultation.