MTPL insurance for a car is expiring: how long can you drive without a fine on an expired policy?

How long is it permissible to travel without a policy?

OSAGO is considered as liability insurance imposed on the car owner. This applies to relationships with other drivers. When a specific person is at fault for an accident, the harm that he caused to another person is subject to compensation at the expense of the insurer. However, damage caused to the vehicle of the culprit will not be compensated. By using the policy, a citizen will be able to significantly reduce the amount of losses.

You need to understand that an accident can happen at any moment. For this reason, the law prohibits driving without insurance. A person should take care of purchasing a new policy in advance.

When the period of application of the act in question has expired, the citizen does not have the right to use the vehicle. If a violation of this rule is detected, the citizen will be subject to fine sanctions. In 2021, it is not permissible to drive, even if the period of validity of the act ended only yesterday.

If the car is stopped by a police officer, then the person will not be able to escape the deserved punishment. Sanctions will be applied to him. When a person tries to send a complaint to an authorized body, this will only become an unnecessary action. Regardless of the reason for which there is no policy, penalties are used against the violator. In addition, the legislator talks about the impossibility of putting a person behind the wheel whose information is not specified in the policy. The penalty is also applied provided that the owner of the vehicle is sitting nearby.

If a citizen is intoxicated and wants to drive, he should use the option with a power of attorney.

Auto liability insurance at an affordable price

It will help you purchase new policies and renew existing ones. The organization offers solutions for individuals and legal entities, owners of standard and specialized vehicles.

Contacting DocAuto will provide you with many benefits.

• Professional approach . The company's consultants assist in the selection of products. They inform about the features of policies and recommend solutions that meet the customer’s needs.
• Wide selection of services . On the DocAuto website you can buy OSAGO, CASCO, Mini CASCO. We have “Green Cards” required for foreign travel by personal transport. Those wishing to purchase a car are provided with assistance in obtaining a DCP.
• Carrying out preparatory activities . The company has its own service station network. The stations are located in various parts of St. Petersburg and carry out technical inspection of vehicles. All points have been certified and issue diagnostic cards registered with the EAISTO.
• Transparent prices . Clients do not pay additional fees and commissions.

Partnership with DokAvto will reduce the cost of maintaining a car and will help you obtain insurance products from leading Russian companies.

Purchasing a car and insurance policy

The legislation states that a person has the right to drive a car for a specified period without receiving the certificate in question. During this time, you will need to obtain other documentation for the vehicle. Traffic police officers cannot impose penalties on a citizen. In the event of an accident, the owner of the car is responsible for the damage caused.

In this situation, you need to understand that the date of purchase of the vehicle is the day on which the purchase and sale agreement was executed. It has been established that during the purchase of the product in question it is not necessary to undergo a technical inspection.

Separation of MTPL terms for different vehicles

The cost of the policy depends not only on the period for which it is designed, but also on many other factors:

• vehicle registration places;
• make and year of manufacture of the car;
• technical characteristics of the machine;
• year of birth of the owner and year of obtaining a driver’s license;
• the presence or absence of insured events during the validity of previous policies;
• number of drivers allowed to drive.

Therefore, to determine the cost of three months of insurance, it is necessary to proceed from the individual data of the car and driver.

However, for all cases there is a general rule: in order to determine the cost of compulsory motor liability insurance for three months, it is necessary to calculate the cost of the policy for the year (how to find out the cost of compulsory motor liability insurance for a year?) and multiply by a factor of 0.5.

Let's analyze what insurance premium different insurers can request for a policy for a period of 3 months. To do this, consider, for example, a 2021 Nissan Almera with a power of 102 hp, owned by an owner over 22 years old and with more than 3 years of experience.

Among the analyzed insurance companies, the following organizations offer the lowest prices:

1. Absolute insurance.
2. Helios.
3. Soldier.
4. ERGO.
5. Hyde.

If the owner of the car described in the example purchases an auto insurance policy from one of these insurers, he will be able to save up to 20% of the payment amount.

How to calculate the cost?

Let us give an example of a calculation based on the provisions of the Central Bank Directive, using the example of a Nissan Almera car.

• 
  Considering that the car belongs to an individual and is not used in a taxi, the maximum base rate is 3432-4118 rubles. The insurance company has the right to set any rate within the specified limits.

• The car is registered in Moscow, so the territory coefficient is 2.0.
• It is necessary to determine the size of the coefficient, depending on the number of insured events (accidents caused by the owner) in the past. This coefficient depends on the class assigned to the car owner. The driver from the example had a fourth class last year, which means he has a fifth class this year. This class corresponds to a BMC (bonus-malus coefficient) of 0.9.
• It is expected that there will be a restriction on the use of the car: the policy will include only one driver. Accordingly, the limitation coefficient is 1.
• The coefficient, depending on the experience and age of the owner, is 1, since the driver is over 22 years old and has more than 3 years of experience.
• The coefficient depending on the engine power is 1.2. This is the coefficient that is applied when the power is 102 hp.
• The driver is not using a trailer, so the indicator depending on this condition is 1.
• Since the policy term is 3 months, the term coefficient is 0.5.
• Having determined all the initial data, it is necessary to multiply the base rate and all increasing and decreasing coefficients. Depending on what size of the base rate the insurer sets, the cost of the policy for 3 months will be 3706-4447 rubles.

If you use an online calculator, then for the calculation you will also need to indicate all the characteristics and factors that were indicated during the manual calculation. The system itself will determine the size of the coefficients and the final amount of the premium to the insurer, based on the entered data.

Where can I determine the price online?

To determine a specific price, you should use the online calculator of a specific organization, which is located on its official website.

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.

Fines

There are many points of view regarding the period of time during which a person has the opportunity to use a car without the act in question. This applies to situations where the period of use of paper has ceased. There are several myths in this direction. It is necessary to take them into account in order not to receive a fine for violating current legislation.

Initially, it is noted that if you have a completed power of attorney, you can drive a vehicle without obtaining a policy. However, please note that all owners of the vehicle are subject to an obligation to obtain an insurance agreement. When transferring authority to drive a car in a timely manner, you will need to enter information about a specific person into the act in question. Also, nowadays you can meet citizens who are completely confident that they can drive a car for a month without obtaining an insurance policy.

This point of view is erroneous. It is worth considering that this rule cannot be applied starting from 2009. It is necessary to study the provisions of the new legislation. In addition, there are situations when a person is very surprised that traffic police officers are going to apply penalties to them for committing the offense in question. At the same time, the citizen begins to indicate what powers he has and call his friends. However, it will not be possible to avoid the use of negative measures in this way. When the period of validity of such an act has ended, sanctions can be applied to the citizen for tomorrow. This rule also applies to the situation when a person is stopped by a traffic police officer while going to an authorized organization to obtain a policy.

Another option is to obtain a fake policy. You should not use this option, since it is possible to check the validity of the document within a short period of time.

IMPORTANT !!! In addition, criminal liability will be applied to a citizen who uses such a document. There is also an opinion among citizens that measures to evacuate the car to a parking lot may be applied to those who travel without insurance.

However, legislative acts provide for a list of violations for which this measure is applied. At the same time, the absence of a policy cannot be included here. In addition, the traffic police officer does not have the authority to remove license plates from a car for committing such an offense.

Regardless of what method a citizen comes up with to drive without such an act, you need to understand that they are all illegal. The provisions of Article 12.37 of the Code of Administrative Offenses provide for penalties for using paper whose validity period has expired. The amount of the sanction is eight hundred rubles. This is due to the fact that an overdue act is considered on a par with its absence. When the paper is received, but the citizen has forgotten it, the amount of the sanction is reduced by 300 rubles.

The need for compulsory insurance

Car insurance is a necessity based on current legislation, namely Federal Law No. 40. Every driver driving a vehicle on the roads of our country must have an insurance policy. You can buy it from any company that provides this service under a license.

Important facts about OSAGO:

1. You do not have to purchase a policy for vehicles with a speed of less than 20 km/h, military equipment or trailers.
2. The maximum payment amount is determined at the legislative level and currently amounts to 400,000 rubles.
3. The cost of the document is determined for each client individually, depending on the type of transport, the power of its engine, as well as regional affiliation.
4. The policy is valid for 1 year, but companies often offer to purchase a document for another period.
5. The traffic police inspector checks the availability of insurance during a stop on the road or at a stationary traffic police station.

Compulsory insurance was introduced to reduce the burden on the judicial system. Previously, responsibility for compensation for damage caused lay with the culprit, but this led to the need to recover it through government agencies. This took a long time and often required large expenses.

Attention! You will have to pay a fine for compulsory motor liability insurance that is overdue in 2021 even if the accident was not the fault of the driver.

Driving without a policy

There are options when a person has the right to travel without a policy. This is the drawing up of an agreement for the purchase and sale of a vehicle. Then the right to use the car for a 10-day period without drawing up such an act is provided. At the same time, the citizen will need to constantly carry the agreement to purchase the car. When using this option, you must take into account that responsibility for an accident committed by a person cannot be transferred to the insurer. The injured party will have to restore the car at their own expense.

Also, this type of behavior applies to property that has passed to a person as a result of inheritance legal relations. The rights begin to apply from the moment the owner of the property dies. It is necessary to submit an application to obtain rights to the inheritance estate within six months. The countdown starts from the moment the person died. The paper will be formed after this time, provided that no other persons claim rights to such property. You can start using a car after six months have passed from the date of death.

IMPORTANT !!! Exactly 10 days are allotted for re-registration of rights. There is also a basis for such use - a power of attorney. Quite often, citizens currently use a power of attorney to control a vehicle.

When the power of attorney does not specify the period during which the document is valid, this period is equal to a year. Insurance will also be required for another person. In the situation with the purchase of a new car, the same permissible period of driving during the period reflected above is provided.

When can you drive without compulsory motor insurance?

As you know, our legislation is famous for the large presence of all kinds of inconsistencies and legislative “gaps”. Normative acts relating to compulsory motor liability insurance are no exception. Despite the unambiguous nature of the regulations that do not allow driving a vehicle without a valid MTPL policy, other provisions of the law allow for exceptions. So, in some cases, it is still permissible to drive a vehicle without an issued motor vehicle liability policy.

This is only possible in one case – immediately after purchasing the car. The legislation does not stipulate specific cases in which a vehicle should come into the possession of a citizen.

Accordingly, it could be:

• Buying a car, both new at a car dealership and used on the secondary market.
• Inheriting a vehicle.
• Receiving a car as a result of an act of donation.
• Providing a car for temporary possession, operational or economic management (for example, due to the nature of a person’s professional activity).

In all of the above cases, the car owner is given a ten-day period to conclude an MTPL agreement. During this time, he must solve all problems with registering the car, if necessary, undergo a technical inspection, and then purchase a car insurance policy from one of the insurance companies. All this time, the owner has the right to drive a newly purchased car, for example, to undergo a technical inspection procedure. During these 10 days, traffic police inspectors cannot impose fines on the driver or otherwise interfere with driving (remove license plates, place the car in a parking lot).

If a traffic police officer still fines the driver during the 10-day time limit provided by law, the car owner has every right to appeal this decision. To restore justice, you should contact the traffic police, providing a receipt for the fine with the specified date of its issuance, as well as a document confirming that a ten-day period has not yet passed after purchasing the car.

Such a document may be a bill of sale, a certificate of inheritance rights, a gift agreement - all these documents must contain the date of transfer of ownership rights.

What needs to be done?

To form a new act, you will need to perform a certain sequence of actions.

You will need to collect the following documents:

• a statement indicating the need to draw up an agreement;
• a document through which the identity of a citizen is confirmed;
• papers indicating the completion of the auto registration procedure.

The application form is issued by employees of the insurance company. The client enters the data manually. When the data of several citizens is entered into the insurance, you will need to provide passports for each of them. In addition to the presented list, you need to collect a diagnostic card. This act includes information that reflects the technical condition of the vehicle. It is envisaged that you will be able to undergo an inspection when you contact any service station.

The legislation provides for situations when a citizen is not required to provide such a certificate. This applies to cases of purchasing a new vehicle. It was established that the car was released no more than 3 years ago. In addition, it is necessary to prepare driver's licenses for all citizens who are planned to be indicated on the paper. In a situation where a citizen does not undergo the procedure in question independently, he is required to issue a power of attorney. You will need to contact a notary office.

IMPORTANT !!! After collecting the listed acts, the company is contacted and a document is generated. Certain difficulties may arise. A citizen needs to take into account the inadmissibility of signing a blank form, even without taking into account that the insurance company employees assure that the correct data will be entered there.

You will need to carefully check everything that is written in the act in question. It often happens that insurance company employees do not pay attention to this, which can lead to future non-receipt of compensation for an accident.

Also, you don’t need to listen to a representative of an insurance company when he says that you can reduce the power of a vehicle or increase the length of service. Otherwise, it is the citizen who will be responsible for providing false information in the documentation.

Punishment

Fine amount

Using a vehicle with an expired MTPL policy is a violation of the law. In fact, it is completely equivalent to the absence of a policy, and therefore the responsibility for this is the same. Although the law was softened by canceling the procedure for removing license plates and evacuation to the impound lot. The penalties are a fine and an administrative warning. The fine amount is 800 rubles.

In case of an accident

However, in case of an accident the assessment is completely different. A variety of situations are possible. Let's take an example of some of them with the participation of two drivers, conditionally this is you and the other driver.

1. The fault in the accident is mutual. You and the other driver do not have MTPL policies. The situation here can only be resolved through the courts. The participation of experienced lawyers is recommended to exclude unfounded claims.
2. The fault is on your side, the other driver’s documents are in order, that is, he has a policy. Then the victim's insurance company must pay him compensation, but the amount will be withheld from you.
3. The fault lies with the other driver who has insurance. You should contact the culprit's insurance company with all the documents.
4. The other driver is at fault, but you both have no insurance. The decision can only be made through the court. It is imperative to document all the circumstances involving the traffic police, which must reflect the lack of insurance of the culprit. You must urgently pay a fine for lack of insurance in the amount of 800 rubles. Next, you should file a claim to recover damages from the culprit.

Thus, any driving without a valid insurance policy is classified as a violation, except as provided by law. More on this in the next section. If such an uninsured vehicle needs to be moved, a tow truck may be recommended.

Registration of electronic compulsory motor liability insurance

When a person does not have time to go to the insurance office and get a policy there, he can get a certificate without leaving home. Since the beginning of 2017, all organizations have been required to provide the opportunity to purchase an electronic policy. For this purpose, the official website of the insurer is used.

A person can first make a choice regarding the organization where he wants to receive compulsory motor liability insurance, then enter the official portal and go through the process of obtaining documentation in electronic format. Registration required. Then, on the main page of the site, select the required service and enter information in the line that opens.

You need to pay attention to whether the form is filled out correctly. Otherwise, the citizen will not receive funds in the event of an accident, because there are errors in the paper. The act in question has similar force compared to the paper version. A citizen must always have the document in hand when using a car. There are no other rules stipulated in the current legal acts.

What is the minimum period for obtaining a motor vehicle license?

As a general rule, the validity period of the MTPL policy is 1 year - an indication of this is contained in the upper right corner of the document. After this period, the car owner enters into a new contract with the insurance company.

If we are talking about seasonal use, and this option is also used if a citizen decides to sell the car and does not want to spend money on paying an insurance premium for the whole year, then after this period, you can contact the insurance company with a corresponding application to renew the insurance for another 9 months. In addition to providing the necessary documents, the car owner will need to pay an additional insurance premium according to the established coefficients.

1. If we are talking about the use of a vehicle registered in the territory of a foreign state, but temporarily operating on the territory of the Russian Federation. In this case, the minimum validity period of the policy is 5 days, the maximum is the time the car stays in the Russian Federation (it can be 1 month).
2. If a “seasonal” car is issued for a period of 7 months, then 2 documents will be issued: a policy for 6 months and for 1 month (additional insurance).

It is allowed to set a period of 5 days or more if the car is registered in another state and is operated within Russia for a limited period of time.

In addition, you can purchase a “motor citizen” for 5-20 days under one of the following conditions:

• if the owner bought a car in one region, but wants to register it in another;
• if the driver drives the car to the place of technical inspection.

Under such circumstances, compulsory motor liability insurance is allowed to be purchased while the car is being moved.

Therefore, the minimum insurance period is 5 days. But it cannot always be used. For the general case, the minimum period is 3 months. When selling MTPL for a three-month period, the insurer calculates the cost of insurance as 50% of the annual amount.

Reference! Another insurance option is also possible for a minimum period (3 months). When purchasing a policy for a year, the condition of seasonal use of the car for 3 months is indicated. The advantage of this option is that you can set 3 months, not consecutive to each other, but with breaks.

This type of insurance is suitable for those drivers who use the vehicle periodically throughout the year.

Is it possible to issue an electronic policy for 3 months?

An electronic OSAGO policy is the same insurance as a paper one. All rules and principles for drawing up both policies are identical, since all provisions of regulatory legal acts in the field of compulsory motor insurance apply to them equally. Differences are observed only in the form and method of purchasing insurance.

Thus, a “motor citizen” can be issued for 3 months, both on paper and electronically.

applications for concluding an MTPL agreement

Paragraph 1 of Article 16 of the MTPL Law reveals the concept of limited use of machines. One type of such vehicle operation is seasonal use.

For vehicles driven and owned by citizens, a minimum period of 3 months is established. This means that this category of car owners falls under the provision that allows them to purchase compulsory motor liability insurance for a minimum period.

As for vehicles on the balance sheet of enterprises, the minimum period of use for them during the year is 6 months. Therefore, it will not be possible to obtain compulsory insurance for 3 months.

An exception for both cars registered to both an individual and a legal entity are cases when the policy can be purchased for a period of 5 days or more:

1. in case of temporary driving of a car from a foreign country;
2. in case of transporting a vehicle to another city to undergo the registration procedure (but not more than 20 days);
3. in case of traveling to the place of technical inspection (but not more than 20 days).

Under the above circumstances, all categories of owners are allowed to issue compulsory motor liability insurance for a period of less than 3 months.

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.

If you have thought through and taken into account all the nuances of a particular situation: the likelihood of selling the car, a possible move, including to other countries, as well as the need for the car in the upcoming insurance period, you can safely go to the insurance company for a compulsory motor liability insurance policy.

However, it is possible to purchase a contract for 3 or 6 months. This is convenient for those motorists who use their car, for example, only in the summer for trips to the country, or are not constantly in Russia.

This allows you to save a certain amount, but this does not mean that insurance for 90 days will cost 4 times less than its full cost.

In order to roughly understand the cost of a compulsory motor liability insurance policy concluded for a minimum period of 3 months, we present the following table with coefficients.

If you want to take out insurance for a minimum period, listen to the following tips:

• It is most profitable to conclude a contract for a year at once;
• insurance for a minimum period of 3-9 months will cost more;
• the cost of an annual car license cannot be changed during the year;
• When taking out a policy for a minimum period, just in case, ask how much an annual contract costs.

If you are not sure for what period you want to take out a policy, choose annual. But you can always apply for compulsory motor liability insurance for several months, and then, if necessary, extend the period of use.

In general, insurers do not really approve of the idea of ​​remote extension of compulsory motor liability insurance, therefore, when going on a long trip, it is better to check the deadlines of all documents in advance.

Many companies offer their clients automatic insurance renewal, that is, the policy period increases by 30 days. The main thing is to visit the office during this month and apply for a new MTPL.

For vehicles that are registered in other countries, you can buy a car insurance policy for a period from 5 days to six months.

The owner independently determines the duration of the insurance; if a week is not enough, it can be issued for 10 days or several months. The practice of applying for months is often used so that the insurance does not end if the circumstances of the foreigner’s stay in the country change.

It is not necessary to determine for how long you need to make insurance if the vehicle is sent to a place for permanent registration with the traffic police. Here the minimum and maximum time is the same - the period is 20 days. A contract cannot be concluded for another period of time.

Car insurance for a car with constant use within the country is minimum for a period of three months. The third group is the most common and common, since there are many times more car residents.

When drawing up a contract, several concepts are used; misunderstanding is caused by the period of use of the vehicle, what is it? There are differences between the term of car insurance and the duration of operation of the vehicle. The law of the Russian Federation describes that the insurance period is the period of time for which the contract is concluded. Its duration is always 1 year. You can find the entry in the upper right corner.

The period of use is a slightly different concept, and this period fits in the column below the previous mark. This indicates what time of year the car will be used; you can select by month. The policy may be for commercial or personal use vehicles that only carry vehicles for a limited period of time.

This is used in legal practice to reduce the client’s costs if the car is not in use for some part of the year. The period for obtaining car insurance and the period of use coincide when purchasing a policy for the whole year.

• according to the formula
• using a special calculator

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.