How long can you drive without compulsory motor liability insurance: under the policy and more

According to traffic regulations, the MTPL policy is included in the list of documents that every driver must have with him. Otherwise, it is regarded as a violation of Administrative Law and is punishable by a fine. True, the Code of Administrative Offenses provides for several exceptions when the lack of a policy does not serve as a reason for imposing an administrative penalty. In this regard, we will consider how to drive without insurance without violating the law on compulsory car insurance.

Law on compulsory motor liability insurance

The policy is mandatory for legal driving, just like a driver's license. The need to register compulsory motor liability insurance is enshrined in law in No. 40-FZ of April 25, 2002.

Before starting to use insurance, each driver is recommended to study the rules of compulsory motor liability insurance in detail. This will allow you to form an accurate idea of ​​the features of using the document, the rights and obligations of the policy holder.

Open MTPL Rules 2021

OSAGO can be issued in paper or electronic form. The rights and guarantees provided by this type of insurance will not depend on the format, so every modern driver has the right to choose the option that is convenient for himself (with the exception of some situations, for example, with a new car).

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Is it possible to drive someone else's car without insurance?

Evgeny 02.11.2019, 17:04

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Is it possible to drive a car without insurance? How many days can you drive a car without an MTPL policy under a purchase and sale agreement? What happens if your policy has expired or is valid but you forgot it at home? Is it possible to drive a car if you are not included in the insurance, but the owner is next to you? The answers to these and other questions are in the article.

According to 2021 standards, you can drive a car without valid insurance for only 10 days from the date of signing the vehicle purchase and sale agreement. As practice shows, in joy, a newly-made car owner often forgets about formalities and does not have time to contact the insurance company in a timely manner. Therefore, it is best to take out a policy immediately after purchasing a car, literally on the same day.

Often, drivers are cunning and rewrite the purchase and sale agreement several times in order to delay the purchase of an MTPL policy. But you must understand that as long as you drive a car without insurance, all the risks of an accident fall on you.

A traffic police inspector can check the availability of insurance at any time.

You may be fined in several cases:

• You have valid insurance, but at the time of inspection you did not have it with you.
• You have purchased an electronic MTPL policy, but you do not take the printed version with you.
• You didn't take out insurance.
• The MTPL policy is expired.
• The policy is fake.
• You are not included in the insurance.
• You violate the seasonality of the policy.

Each case will be discussed in more detail below.

Is it possible to drive without insurance if in fact you have it and it’s not expired, but you just left it at home? No, by law the driver of the car is required to carry the insurance policy with him. No policy - no insurance. According to Part 2 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation, the fine for a forgotten policy is 500 rubles. Although you can try to explain to the traffic police officer that you left the treasured piece of paper in your work jacket, and purely hypothetically, he may even meet you halfway.

Important: some inspectors in such cases immediately issue a fine of 800 rubles, as for expired or unissued insurance (see below). Such actions are unlawful and subject to appeal.

An MTPL policy is much more expensive if it is issued without limiting the number of persons allowed to manage it. But for some, this measure is necessary, because while driving, situations will arise when you need to put someone else behind the wheel. If this person is not indicated in the policy, the driver (and sometimes the owner of the car) cannot avoid punishment.

Driving without MTPL insurance in someone else's car, according to the current legislation of Russia, threatens with a fine of 500-800 rubles. It is issued in the name of the “caught red-handed” driver.

The minimum amount is assigned if the driver was driving without a policy, but he had a compulsory motor insurance policy (he was simply left at home or at work, or lost).

To avoid sanctions, prove to traffic police officers that you have completed the insurance procedure by providing the insurer’s details, insurance agent’s phone number, contract number, etc. The maximum amount is provided in the absence of a document.

The law also provides for such a sanction as a warning (Article 12.3 of the Administrative Code). The punishment is determined by the traffic police officer on the spot, depending on the circumstances. For the first time, the driver can “get off” with a warning. The police officer's decision included in the resolution can be appealed in court.

What sanctions are provided by law for the owner of a vehicle who has not issued compulsory motor liability insurance if another person is driving his car? A fine for driving without insurance is issued only in the name of the driver whom traffic police officers caught driving someone else’s car.

Apart from a fine, the police cannot impose any sanctions against him.

Although even before 2014, traffic police officers were given broad powers: for driving without compulsory motor insurance in someone else’s car, they could remove license plates, tow the car and apply other enforcement measures.

In 2021, police officers no longer have the ability to restrict the use of someone else’s vehicle. If you have two other mandatory documents (license and registration certificate), then a fine is the maximum penalty.

According to the current rules, the car owner must take care of entering information about the new driver into the current MTPL policy in the “approved to drive” column. This requirement is specified in Part 2 of Art. 16 Federal Law No. 40 “On OSAGO”.

What fine for driving a vehicle that is not yours is imposed on a person who is not included in the policy? Since this is a direct violation of the MTPL Insurance Rules (allowing a person not specified in the contract to drive their car) and an administrative offense, the violator is punishable by paying a fine of 500 rubles (based on Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). It is also issued in the name of the driver driving someone else’s vehicle.

We suggest you read: What documents are needed to inherit an apartment if I am registered there?

You can avoid punishment if you inform the insurer in time about the need to transfer the steering wheel to a person not yet specified in the limited insurance: new information will be entered when the policyholder personally contacts the company’s office (the basis of Part 3 of Article 16 of Federal Law No. 40 “On Compulsory Motor Liability Insurance”). Many insurers charge an additional fee for this service, in accordance with established rates and commensurate with the increased risk.

Article 16 of Federal Law No. 40 “On Compulsory Motor Liability Insurance”. Compulsory insurance for limited use of vehicles

If there was no opportunity to visit the office of the insurance company before an unexpected trip, the policyholder faces a fine.

According to current legislation, this circumstance does not matter - the fine for driving someone else’s car without a properly issued insurance policy will also be 500 rubles. However, if the owner of the vehicle is sitting next to the driver, traffic police officers have the right to draw up a report both in the name of the driver and in the name of the policyholder.

All penalties specified in the article can be imposed an unlimited number of times if the driver continues to move and is caught by vigilant traffic police officers every day.

Every car enthusiast knows what documents you can’t hit the road without: driver’s license, registration certificate and compulsory motor liability insurance policy. Missing one of these is an offense punishable by a warning or fine. For lack of insurance, you can be charged from 500 to 800 rubles (depending on whether you forgot it at home or didn’t take out it at all).

Until 2012, there was also a requirement to issue a power of attorney for anyone who gets behind the wheel of your car. Today, the absence of a power of attorney is not an offense.

The absence of a power of attorney in such situations does not entail punishment, but only limits the driver’s capabilities.

The federal law on compulsory car insurance provides exceptions that allow you to avoid punishment for administrative offenses, including driving someone else's car without compulsory motor liability insurance. The absence of a policy is allowed for owners of certain types of vehicles:

• not developing a speed higher than 20 km/h;
• not allowed to participate in road traffic due to technical characteristics;
• Vehicles belonging to troops, except for transport used in economic activities.

These exceptions are specified in Part 3 of Article 4 of Federal Law No. 40. Another exception is provided for by the Motor Insurance Rules - the client of the insurance company is given the opportunity to take out insurance without limiting the persons allowed to drive. If there is one, any person can drive someone else’s vehicle.

The fine can be avoided if you enter into a purchase and sale agreement and simply destroy it after the trip. As you know, if there is a purchase and sale agreement, the new owner of the vehicle can move freely in it, since he has 10 days to register the car and issue compulsory motor liability insurance.

The best way to avoid punishment is to correctly issue compulsory motor liability insurance.

• If it is likely that different people (friends, colleagues, acquaintances) may be driving your car, it is better to purchase insurance “without restrictions”;
• If certain people (child, spouse, close relative) get behind the wheel, it is worth entering their full name in the columns of the section “Persons Approved to Drive” (limited).

It is not recommended to travel without a properly issued insurance policy. Its absence not only leads to endless fines, but also aggravates the situation when an insured event occurs.

Compulsory insurance was introduced to make life easier for car owners, and if you take out it, then for your own good, follow all the rules, and do not treat insurance as a formal obligation.

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Many car owners allow other people to drive the vehicle. This could be a relative, acquaintance, tenant, or a driver who gets behind the wheel with a power of attorney to drive.

In some cases, the owner is sitting in the same car, in the passenger seat.

The question arises: is it possible to drive a car if you are not included in the insurance, but the owner is nearby? How would the traffic police officer react to such a situation? Will he issue a fine for the violation?

Of course, it is important to know all the nuances and possible punishment for the existing violation. Today we will take a detailed look at driving a car without being included in the insurance from a legal point of view, and we will pay attention to all the nuances.

Differences between an electronic policy and a paper one

Such a policy is also referred to as e-MTPL. It provides opportunities and rights absolutely identical to a paper document, but has its own disadvantages and advantages.

Pros and cons of e-OSAGO

convenient registration without visiting the insurance office;

during such a conclusion of a contract, it is possible to avoid the imposition of additional services from company employees;

it is possible to purchase a policy from any organization, even when there is no representative office in the city;

It is not necessary to carry a paper version of the policy; it is enough to present it in digital format.

inability to register for a new car or for a novice driver (you can purchase e-MTPL only when the relevant data has already been entered into the RSA database previously);

the policy comes into force only 3 days after payment (the paper policy comes into force immediately after registration);

The driver bears full responsibility for the specified data and any typos during registration.

What does the law say?

Paragraph 2 of Article 4 of the Federal Law on Compulsory Motor Liability Insurance establishes the obligation of the motorist to insure liability no later than ten days after the owner’s rights to the car arise. Accordingly, you can only drive without insurance for 10 days.

It is necessary to implement this rule after purchase before the state registration of the vehicle with the authorized body. Ten days are allotted for this. The countdown of the period begins from the moment the purchase and sale agreement is concluded.

The grounds for the emergence of the right to motor transport are the following legal facts:

1. Acquisition of property (purchase and sale, barter, donation).
2. Receipt of property under the right of economic management and operational management.
3. Entry into the rights of an heir.

Based on the above, we find that until the expiration of 10 days it is allowed to drive a car without insurance. The validity of the conclusion is confirmed by the explanation of the Supreme Court of the Russian Federation dated April 17, 2012 No. AKPI12-205.

Another, more troublesome solution is to re-sign the purchase and sale agreement, that is, imaginary purchase of a car and putting down a new date. If you do this regularly, you can delay the issuance of the policy for the required time.

How and where can I apply for compulsory motor liability insurance online?

To do this, just go to the official website of the selected insurance company, register on it, fill out the necessary information and pay for insurance. If necessary, you can contact the insurance manager for help using the phone number listed on the website or via online chat. You can also request a call back. The form below will help you choose insurance and compare prices:

Traditionally, the general scheme for registering compulsory motor insurance online implies:

• entering data about the driver and vehicle (vehicle) in a special form on the website;
• waiting for the results of automatic verification of information using the RCA database;
• payment for the policy after receiving verification confirmation;
• receiving e-OSAGO by email.

If, during the verification of the specified data in the database of the Russian Union of Auto Insurers, discrepancies are identified, it is necessary to send scans of documents for re-checking by company employees manually.

It should also be noted that online purchase is not available for new vehicles or for novice drivers . After all, the RCA database will not yet have enough necessary confirmed information to conclude an agreement in this mode.

When purchasing electronic insurance, you should remember that its validity begins only after the third day from the date of issue. Therefore, it is important to plan the procedure in advance.

It is necessary to issue OSAGO not only for passenger cars, but also for other vehicles:

• motorcycles;
• trucks;
• special equipment (for example, tractors);
• public transport (buses, etc.);
• cars of taxi or car sharing services.

Depending on the specifics of their use and the form of ownership, the procedure for obtaining a policy may have its own nuances.

Policy renewal

To extend the validity of a paper or electronic policy, it is enough to submit a corresponding application to the insurance company in a timely manner. It is better to clarify the application form with the manager in advance, but often it is selected in a format convenient for the client. That is, you can both apply for and renew OSAGO via the Internet.

It is important to do this in advance to avoid unforeseen situations. The law allows you to apply for an extension no earlier than 2 months before the expiration of the compulsory motor liability insurance policy.

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.

Documents for registration of compulsory motor liability insurance

The list of documents that will be needed to obtain compulsory motor third party liability insurance looks the same for paper or electronic versions. To conclude a contract you will need:

• vehicle owner's passport;
• passport of the technical means itself;
• a certificate confirming its registration and ownership of it (for example, if a general power of attorney has been issued);
• driver's licenses of all persons whose data must be included in the policy (if the policy is not of the Multidrive type);
• diagnostic card with a mark on passing the technical inspection (for cars over three years old).

Technical inspection for OSAGO

Previously, when applying for insurance, undergoing maintenance was not a prerequisite. Today, without reflecting its results in the diagnostic card, it is impossible to obtain a policy; for the procedure it is important to prepare the following papers:

• passport, driver's license or other document confirming the identity of the owner;
• vehicle passport;
• vehicle registration certificate.

The frequency of technical inspection for obtaining compulsory motor liability insurance is determined by the age and category of the vehicle. For a new car, the first inspection is allowed no earlier than three years from the date of manufacture. More details about the inspection procedure can be found in this article.

Benefits upon registration

Current legislation provides the opportunity to receive compensation in the amount of 50% of the cost of insurance for disabled people of groups 1, 2 or 3. Guardians of disabled children also have this opportunity. You can use this benefit when purchasing compulsory motor liability insurance if the following conditions are met:

• transport is required by a disabled person for medical reasons;
• According to the policy, no more than three persons (including a disabled person) can use a vehicle at the same time.

In practice, a citizen first purchases car insurance at full price. Then he applies to the local social security authority to receive compensation for half of its cost.

For pensioners, labor veterans, combatants or honorary residents of the city, MTPL benefits are not established by law. But local authorities have the right to appoint them independently. Therefore, such categories of citizens should contact the social security service and find out whether they are expected to receive any compensation.

Fine for driving without insurance in 2021: in someone else’s car, without the owner

There are 5 types of fines for driving without insurance.
This was a complete surprise for me. And oh HORROR! A fine for driving without an MTPL policy can be issued an infinite number of times in 1 day!

But the good news is that you can pay the fine in the amount of 50%, read how and where in the article.

Types of fines

Watch how the driver caught the traffic police officers being illiterate while trying to draw up a report for driving without an insurance policy.

Automobile civil liability insurance (MTPL) is designed to shift responsibility for damage incurred as a result of a road accident onto the shoulders of insurance companies. Since the introduction of compulsory motor insurance, no car can go on the road without being insured.

The obligatory presence of an insurance policy for a motorist is stipulated by the Traffic Regulations; the inspector may be asked to present it. Failure to do so will result in heavy fines. But sometimes a case may arise when a car is driven by a driver who is not included in the policy.

In this case, the Code of Administrative Offenses provides for the liability of the owner of the car, and not the driver, although if the owner is absent from the car, the person who actually drove the car will be punished.

Compulsory insurance is provided for by the Law “On Compulsory Civil Liability Insurance” No. 40-FZ.

The latest changes were made to it in 2021; no rules related to changing the rules for driving someone else’s car have appeared. The driver's name must either be included in the policy in advance or the document must be issued to an unlimited number of persons.

The need to have the insurance policy in the car and present it to the traffic police inspector upon request is provided for by the Traffic Regulations.

There are three typical situations when a driver may find himself driving someone else's car without insurance:

• he drives the car by proxy, but was not included in the policy for one reason or another;
• he drives the car by power of attorney or in the presence of the car owner, in this case a power of attorney is not required, but a car insurance policy has not been issued;
• the driver was included in the policy, but it was expired;
• the driver is included in the policy, but for one reason or another there is no document with him.

Responsibility may vary in different situations. In most cases, a fine will be imposed on the owner of the car, but the driver may also be subject to administrative penalties.

The most dangerous from the point of view of the legislator would be the complete absence of a policy, in which case the fine would be eight hundred rubles.

The absence of a person driving a car in the policy or an expired policy is provided for by one part of Article 12.37 of the Code of Administrative Offenses, in both cases the fine will be only five hundred rubles.

The fine for speeding is discussed on this page.

If previously, in case of driving without a policy, the inspector could remove the license plates from the car or evacuate it to the impound lot, preventing the car from being driven by a person who is not responsible for possible harm, but now such rights have been taken away from them, and these types of punishment are not applied. And two years ago, this measure of influence on drivers was actively used.

In this case, the numbers were returned only if within 24 years the driver who was actually driving the car signed up for the policy.

The driver will now only get away with a fine, but it should be borne in mind that on a long journey he can be stopped more than once by patrol officers and each time he can be fined again.

Despite the fact that liability cannot be applied twice for the same offense, the fact that the violation continues after its detection will be considered by the inspector and the court as a new act.

A fine is a type of administrative penalty that can be paid with a 50% discount if done in a timely manner, within 20 days after the resolution is issued.

It will be possible to appeal a penalty only if the inspector committed serious violations of the procedure for drawing up the protocol.

If a driver or other employee who is not included in the MTPL policy is driving a car owned by a legal entity without a policy, or a copy of the policy was not provided to him, then he will have to pay a fine, despite the fact that he is not guilty of this violation.

The policy was not issued to him, and driving a car requires one or another of his job responsibilities. In this situation, the person who paid the fine may subsequently file a claim in court against the legal entity that owns the car, demanding compensation for damages.

With the owner

If a car owner, in his presence, entrusts the steering wheel to a driver who is not included in the auto liability policy, he commits a violation. The traffic police inspector, even though the owner of the car included in the policy is in the car and in the event of an accident, the auto insurance policy will cover the losses of the victims, will fine him five hundred rubles.

In practice, such situations are rare; only scrupulous inspectors will check the list of names of motorists in the policy, but such situations still arise quite often.

We suggest you read: How to avoid a fine and deprivation of your license if you are caught drunk again

Obviously, if the car owner himself does not have a policy, the fine will increase to 800 rubles, provided for refusal to draw up a car insurance contract.

If in this situation the car owner’s policy does not provide for an unlimited number of persons, there is a risk of receiving a fine. In any case, the owner of the car must be in the front passenger seat, next to the driver.

In order for the fact of a violation to be established, the vehicle must be driven. Quite often, drivers stop the car, remove their hands from the steering wheel, and claim that the vehicle was not in motion.

There is one exception in which driving someone else's vehicle without insurance is possible. This happens within the first ten days after the execution of the car purchase and sale agreement.

This period is given both for issuing an MTPL policy and for registering the car. If the driver is stopped to check his documents during this period, he will not be fined for driving a car without a policy, no matter how threatening the inspector may be.

You can take advantage of this; ten for the registration of a policy is given from the moment the right to own a car arises, that is, if the car was transferred to the control of another person on the basis of another document, not a purchase and sale agreement, but under a lease agreement or under a general power of attorney, he will be provided with those ten days during which you can drive without a policy and no fine will be issued.

In this case, when drawing up the protocol, it is necessary to note in it that the car was received under control less than ten days ago.

Also, the driver of a car whose speed, established by its technical characteristics, does not exceed 20 km per hour or if the car belongs to a foreign citizen who has insured his liability in accordance with the laws of his country will not be held liable.

The legislator also provided for a situation where the policy was issued, but the driver left it at home. The fine for this violation will be the same as for forgotten rights and will be five hundred rubles. It is provided for in Article 12.37 of the Code.

In some cases, the traffic police inspector may meet the driver halfway and simply issue a warning. But first he will need to check in the traffic police database whether the necessary document was actually issued. If present, the fine may be replaced by a warning.

It is also possible that a traffic police inspector will issue a fine for not having a policy without checking its data in the database. In this case, it will be quite easy to appeal the decision to the head of the relevant traffic police department, attaching a copy of the policy to the appeal application.

In this case, with a high degree of probability, the fine will be reduced to five hundred rubles or replaced with a warning.

If the policy was issued electronically, a printout from the database will be sufficient proof of its existence; sometimes direct access to this database is difficult for traffic police officers due to imperfect information support systems.

It is optimal to include all family members in it, and in situations where the steering wheel on the road may be entrusted to someone else, enter the companion’s details into the policy in advance.

The policy can also be issued on “without restrictions” conditions, this will allow an unlimited number of people to drive the vehicle.

The absence of the person driving the car in the policy may entail additional adverse consequences, for example, compensation for damages in an accident, the amounts of which can be very large. In this case, it is better not to take risks and trust the steering wheel of the car only to the person specified in the policy.

Overtaking at an intersection on a main road outside a populated area is described in this article.

What is included in the insurance case?

Compulsory motor third party liability insurance serves as protection against losses for all road users:

1. For the culprit of the accident. The policy covers expenses for damage to health or property caused to the other party.
2. For a victim of an accident. The presence of compulsory motor liability insurance at the culprit guarantees receipt of compensation for the restoration of the vehicle or for treatment.

When both parties are at fault in an accident, the document ensures mutual compensation for losses incurred. It is also necessary to take into account that not all situations can be regarded as corresponding to an insured event under compulsory motor liability insurance. Among the main conditions that do not allow you to count on compensation for losses:

• driving a vehicle by a person whose details are not included in the contract;
• the cause of the incident is man-made disasters, natural disasters, military actions or popular strikes;
• compensation for moral damage or lost profits is required.

There is also a limit on the amount of compensation. The maximum payment under compulsory motor liability insurance is 400,000 rubles.

Fine for lack of compulsory motor liability insurance

Punishment for the absence or violation of the rules for the use of compulsory motor insurance is established by law in Article 12.37 of the Code of Administrative Offences. According to its content, if the driver does not take out insurance at all, a fine of 800 rubles .

In cases where the owner does not comply with the conditions, a fine of 500 rubles . For example, if the driver forgot his paper insurance policy at home.

If the absence of compulsory motor liability insurance is discovered after the accident, the guilty party must pay all expenses independently. Moreover, during the inspection of the situation by traffic police officers, they also have the right to issue a fine for lack of insurance.

When can you drive without insurance without breaking the law?

All exceptions, when the driver is not subject to a fine for lack of compulsory motor insurance, are listed in the provisions of Federal Law No. 40. Below is a list of equipment for which compulsory insurance is not required:

• Vehicles whose maximum speed, according to the technical passport, does not exceed 20 km/h.
• Motor vehicles with an engine volume of less than 50 sq.cm and a speed of less than 50 km/h.
• Tracked vehicles – agricultural, construction, road.
• Trailers with a total operating weight of less than 750 kg.
• Horse-drawn vehicles - sleighs and wheeled carts.
• Recently purchased cars, less than 10 days have passed since the date of purchase.

When driving vehicles not included in the list, the driver must have a valid insurance policy in hand. It is presented for inspection to the traffic police inspector along with other documentation specified in clause No. 2.1 of the traffic rules. A policy whose validity period has expired automatically loses its legal force. To avoid being fined, the driver should take care of extending the contract in advance.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

In the first year of the introduction of compulsory motor liability insurance, the law allowed some relaxations , in the form of a 1-month deferment after the expiration of the policy. It was given to conclude a new contract, or to prolong an old one. Today, no preferences are provided in this regard. The driver will be fined the very next day after the document expires. Therefore, to the question “ Is it possible to drive without compulsory motor liability insurance if the contract has expired?” There is only one answer - it’s impossible.

OSAGO for foreign cars

Car insurance is mandatory for all road users, including foreign citizens. They can arrange it in two ways:

1. Use an international policy – ​​Green Card. You can purchase it in your country if it is part of the special Agreement of the insurance policy for the protection of civil liability of car owners. You can also buy a Green Card with a validity period of 15 days to a year at any customs terminal. For a short-term stay in the Russian Federation, this option will be the least troublesome.
2. Buy MTPL in Russia immediately upon arrival. Many insurers offer this opportunity specifically for foreign citizens. Also, some of them have representative offices abroad, where you can contact in advance and receive a Russian-style policy.

Coefficients for calculating motor liability insurance

The cost of a compulsory motor third party liability insurance policy is determined using special coefficients. The key indicator among other indicators is the bonus-malus ratio (BMR).

To quickly calculate the cost of a policy and compare the price of insurance offers from different companies, we suggest using the online compulsory motor liability insurance calculator.

It allows the company to assess the risk of an insured event for each specific driver. Based on the CBM, the insurance class (aka accident-free class) of the driver is determined.

The bonus-malus indicator will be least beneficial for beginners and drivers with poor statistics on participation in road accidents. In total, there are 15 classes in the KBM system. Follow the link for details about the bonus-malus coefficient (BMC) and its classes.

In addition to the KBM, a number of additional parameters are also taken into account when calculating the cost:

1. Basic tariff (BT). Current rate for different types of vehicles, regulated by the Central Bank of Russia.
2. Territory coefficient (CT). It differs depending on the region of primary use of the vehicle.
3. Age-experience coefficient (AEC). Reflects the driving experience and age of drivers.
4. Engine power factor (PM). Used for passenger cars only. The greater the engine power, the higher the indicator will be.
5. Seasonality coefficient (SC). Applies if the policy is not purchased for the whole year and you plan to drive the vehicle in certain months. For example, it is relevant for summer residents.

The insurer is prohibited from taking into account factors such as religion, nationality, race or position of citizens when determining the cost of compulsory motor liability insurance.

What are the consequences if you get into an accident without insurance?

If an accident occurs under the policy without insurance and the owner of the expired or missing policy is at fault, he bears full financial responsibility.

What if you get into an accident in the first 10 days from the date of purchasing a car with a car insurance policy and without insurance?

The ruling of the Supreme Court of the Russian Federation (April 2012) stating that you can drive without insurance under a policy applies only for 10 days from the date of registration of the transaction. Moreover, even an unexpired policy only covers material expenses incurred by another participant in an accident, but does not include repairs to the car of the culprit.

If the owner of a car with an unissued policy was injured by another participant in an accident, compensation for losses is carried out by the insurance company of the guilty party. This can be difficult to do, for example, the second participant fled the scene of an accident. To protect your rights, you must record the number and contact the inspector.

Samples of MTPL policies

The current version of the policy from July 2021 implies the use of two unique letter designations in the forms.

The indication “AAS” does not imply on the reverse side the possibility of concluding voluntary insurance.

1 page OSAGO AAC Click to enlarge

Page 2 OSAGO AAC Click to enlarge

Using “AAV” allows you to register on the reverse side the possibility of concluding voluntary insurance.

1 page OSAGO AAB click to enlarge

Page 2 OSAGO AAB click to enlarge

It is important to note that the issuance of policies with the previously introduced designations “NNN” and “RRR” by the Russian Union of Auto Insurers is permitted until July 1, 2021.

Below is a sample of filling out the policy and the opportunity to download a blank OSAGO form in Word format.

An example of filling out an MTPL policy Click to enlarge

Blank OSAGO form

1 file(s) 3.15 MB
Also below you can view and download in Word format a sample insurance claim for damages under compulsory motor liability insurance.

Sample insurance claim for damages under MTPL

1 file(s) 8.50 KB