Is it necessary to enter into an MTPL agreement when purchasing a used car with a valid policy?

Buying a used car comes with a number of questions. One of them is how to issue a compulsory motor liability insurance policy for a used car.

OSAGO is compulsory civil liability insurance for all road users, without which you cannot drive a car. The MTPL policy is a guarantee of compensation for losses to traffic participants who or whose vehicles were damaged in an accident and were not found to be at fault for the incident.

In this material we will introduce you to the nuances of obtaining a motor vehicle license.

Documents for MTPL for used vehicles

When buying a used car, we recommend paying attention to:

• readability of the body VIN number;
• absence of encumbrance;
• the owner's consent to enter into a purchase and sale agreement.

Otherwise, problems may arise with insurance and car registration.

Also, insurance will not be issued if the technical coupon (diagnostic card) has expired. To get a new one, you can contact the traffic police or a private organization. But we suggest not wasting your time and ordering MTPL and a diagnostic card from Auto-Service. Our consultants will tell you which insurance company has the most favorable conditions and answer all your questions.

If you purchased a car second-hand, then the first thing you should do is take out an MTPL policy (read about how to choose the most reliable insurance company on the page Where to insure a car under MTPL). Even if the previous owner has already insured the car, and the insurance period has not yet expired, you still need to take out insurance in your name.

Taking out insurance for a used car has its own ways to save money. Now we’ll tell you how to insure your car and stay on top of the money.

OSAGO for a used car

When buying a car, the new owner must have time to take out insurance in his name 10 days after purchase - this is exactly the period set by law. It is worth considering that in order to transport the car for technical inspection, you will need to either call a tow truck or ask the previous owner. But after the MOT you don’t need to take the car anywhere; you can apply for an insurance policy via the Internet, which will save time. To obtain insurance for a used car, you can choose any insurance company.

CASCO for a used car

Obtaining CASCO insurance is a more labor-intensive and complex process. Not all insurance companies want to take used cars under their wing. Most companies are ready to take on foreign cars with wear and tear up to 10 years and domestic cars up to 7 years. Such cars can be insured under new car programs: the cost of insurance is more expensive, and the likelihood of a breakdown of a new car is significantly lower. An important nuance: when choosing the type of damage payment, you can choose two:

• Taking into account wear and tear;
• Excluding wear and tear.

In most cases, it is more profitable to take a payment without taking into account depreciation for used cars. The price of the policy may be 15% more expensive, but this will save costs in the future. If the insurance takes into account wear and tear, then from the moment the contract is concluded, the wear and tear that the car received will not be paid. In the event of an accident and when assessing the damage, the company will pay the amount, deducting from it the percentage of wear and tear that has been added since the conclusion of the contract.

How to save on CASCO

There are several ways to reduce the cost when purchasing CASCO insurance.

• Take advantage of the insurance deductible. With it, payments for theft and destruction of a car will be full. Another advantage of this option is that it does not take into account the driver’s experience and age, which is suitable for beginners.
• Wear and tear accounting. When purchasing CASCO insurance, taking into account wear and tear, its price will drop by 15-20%.
• If you choose not to pay for repairs, the insurance company will only pay the cost of new parts, and it’s up to you to decide where to repair the car. This option allows you to reduce the CASCO price by 40-50%.
• Repairs from an unofficial dealer will help reduce the cost of your CASCO policy by 20%. But please note that in this case the official dealer may deregister the car.

It’s quite possible to save on CASCO, but it won’t be superfluous. If you want to sleep peacefully and have an ace up your sleeve in case of an unforeseen situation, CASCO will definitely not harm you, and may even save your finances. For the rest, compulsory motor liability insurance will suffice.

Buying and selling used cars is a very common transaction today. However, many people have questions about how to properly fill out the necessary papers. If this is your first time deciding to buy a car second-hand, you need to approach the issue with all seriousness. Once you have found the right vehicle, you need to clearly agree on the main points of the transaction. This will save you from surprises and conflicts at the next stages of registration. Discuss:

• Price
• Form, procedure and terms of payment
• Replacing or maintaining license plates and insurance
• Deadlines for handing over keys

The seller may raise the question of making an advance payment, but only you can decide whether you agree to this or not. This situation is regulated by Article 487 of the Civil Code of the Russian Federation.

Additionally, before you move on to signing the papers, it is important to check the vehicle's history. Almost all the necessary information is contained in the vehicle passport (PTS). It records:

• Information about former owners
• Year of manufacture, state number, VIN code, body number;
• Specifications

Please pay special attention to the fact that the seller is required to provide you with the original PTS upon registration. If he only has a copy in his hands, this is a reason to think about it. Of course, you shouldn’t immediately panic and refuse to purchase, but in this case you need to approach checking the car with special care.

Don’t forget to check the license plate data from the PTS with the real data of the car before completing the paperwork, and also look at the service and warranty books.

After all the checks are completed, the time comes for the most important stage of the transaction - preparing the papers. Let's figure out what documents to fill out when buying a used car. First of all, this is a purchase and sale agreement. As with any paper business, there are some subtleties here. First, let's look at what data must be included in the document.

• Date and place of signing
• Passport details of the seller and buyer
• Full details of the car and PTS
• No encumbrances
• Method and terms of payment, as well as transfer of the vehicle

All lines in the contract must be completed. If some of them remain empty, put dashes. This will protect you from entering data into it without your knowledge.

Buying a used car secondhand does not necessarily require maintaining an MTPL policy. According to the established procedure, if you buy a car without insurance, you must obtain it within 10 days after the purchase and sale transaction is concluded. At this time, you cannot be fined for its absence, but if you get into an accident and are found to be at fault for the accident, you will have to pay compensation out of your own pocket. Therefore, do not delay in applying for a policy!

You can also negotiate with the seller to keep your current insurance. In this case, you will need to visit the insurance company together to re-issue the papers. For the unused insurance period, compensation is provided to the ex-owner.

To apply for compulsory motor liability insurance when purchasing a used car, you must have a diagnostic card. If the card is about to expire, you must undergo a technical inspection. Accordingly, the car is transported to the inspection site; the old owner can do this at his own expense; alternatively, he can actually call a tow truck, but this is not a cheap pleasure. Hitting the road in a newly purchased used vehicle is prohibited by law in 2021.

Re-registration of a car to another person can be done in two different ways. The first way is to donate a car, which may mean that it goes into the wrong hands free of charge. This option does not suit us.

The second option is to draw up a purchase and sale agreement or transfer of a car by proxy. When selling a car, the future owner purchases an insurance policy, and at the same time terminates the agreement that was valid before the sale, or the current owner writes it into the future policy.

Having reached a consensus, both parties to the transaction go to the insurance company and report what decision they have made. If you are adding a new owner to your existing policy, then you need to be guided by Article 960 of the Civil Code. At the same time, in order to complete such a procedure, you need to attach your passport, the passport of the person who will be included in the insurance, the rights of both parties, as well as the MTPL policy agreement itself.

If you wish, you can take the purchase and sale agreement with you. The second method involves termination. In this method, the buyer does not pay compensation and does not want to be included in the policy. Therefore, the former owner of the car must come to the office. An application is drawn up. If you terminate in this way, you will lose about 20% of the cost of the insurance, but the rest will be returned to you.

1. First of all, a statement is drawn up that you write in relation to your insurance company and demand to terminate the relationship in any way.
2. The second document is a photocopy of the agreement, according to which you ceased to be the owner of the car.
3. Be sure to make a copy of the PTS.
4. Attach a document that represents your insurance.
5. If you paid for compulsory motor liability insurance, please attach a receipt for this.

At the same time, it is not necessary to certify all documents. You must have your passport and license with you. The re-registration process is quite simple. You must go through the following steps.

1. First of all, you need to write a statement of termination of the transaction.
2. Then you must attach a package of documents for review.
3. Insurance employees spend some time reviewing your package of documents and make a conclusion that your insurance will be cancelled.
4. Compensation is paid for the time during which you did not have time to use the policy. However, a commission of approximately 25% will be charged on the amount.

Sources

• Official certificate from State Services
• avtocod.ru: How to apply for compulsory motor liability insurance when buying a used car
• avto-yslyga.ru: Is compulsory motor liability insurance necessary when buying a new or used car?

Recommended for you

• Is it possible to apply for compulsory motor liability insurance without a technical inspection?
• How to find out the driver's coefficient for compulsory motor liability insurance
• Where to get a diagnostic card for electronic MTPL

Polina Galchenko Content Manager #VZO. She has been working in the project since 2019, before that she was freelancing. Fills out and updates information about the offers of banks, MFCs and MCCs posted on the website. Understands the nuances of financial products, carefully studies each offer and knows how to present information about them in a user-friendly manner.

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Preparation of documents for used car insurance

The operation of any vehicle poses a threat to all road users. Therefore, at the state level, it was decided to introduce compulsory driver liability insurance.

OSAGO implies insurance against the risk of liability of the driver in an accident in which his fault causes harm to the health or damage to the car of the injured party. The maximum amount of insurance compensation is 400 thousand rubles. If this is not enough, the culprit himself pays the difference.

When purchasing a car, insurance must be obtained within 10 days from the date of execution of the purchase and sale agreement. You cannot drive without a policy. Otherwise you will face a fine.

Image 1: Extracts from the Federal Law “On OSAGO” dated April 25, 2002 No. 40-FZ, clause 2, article 4 and the Code of Administrative Offenses of the Russian Federation, clause 2, article 12.37

To obtain insurance you need:

1. Identity document.
2. Sales and purchase agreement (PSA).
3. Certificate of registration of a legal entity (if the policyholder is not an individual).
4. Driver license.

You can buy compulsory motor liability insurance by contacting the insurance company directly or order it from us online. Payment is made on the website or upon delivery of documents by courier.

The cost of insurance depends on:

• age and length of service of the driver;
• type of vehicle;
• engine power;
• region of residence;
• accident-free driving experience and the number of insurance payments (if any).

The insurance contract specifies the subject of the contract, information about the vehicle and its owner, the insurance premium, etc. There are about 10 points in total. The agreement can only be concluded in written or electronic form.

So is compulsory motor liability insurance necessary when buying a car? Needed. Without compulsory insurance, the car simply will not be registered. To register with the State Traffic Safety Inspectorate, you must provide an insurance policy, a policy and a diagnostic card.

When selling a used car, an MTPL policy is not required. If it does exist, the previous owner has the right to contact the insurer for early termination of the contract and receive part of the insurance premium. There is no need to transfer it to the new owner, since insurance is issued not for the car, but for a specific person.

Although, according to Article 955 of the Civil Code of the Russian Federation, changes can be made to the current policy. To do this, a written application to change the policyholder is submitted to the insurer.

Image 2: Article 955 of the Civil Code of the Russian Federation

The insurer may require additional payment of the insurance premium. The amount depends on the increase in the degree of risk and current insurance rates. Changes are recorded in the “Special Notes” column indicating the date of introduction. For certification, the signature and seal of the insurance company is affixed.

New (reissued) insurance may also be issued. This is done within 2 days from the moment the policyholder returns the old car title. It and the second copy of the policy are kept by the insurer. The forms indicate their numbers and the date of re-registration.

If at the time of sale the insurance had expired or did not exist at all, then there is no need to run for a policy. It must be completed by the new car owner within 10 days from the date of conclusion of the agreement.

The purchase and sale agreement is completed in two copies. But we recommend completing three:

1. For the traffic police.
2. For the seller.
3. For the buyer.

All copies must be filled out equally.

We received an answer to the question of whether compulsory motor liability insurance is necessary when selling a car, now we move on.

If a car is purchased on credit, you need to be prepared for the fact that the bank may require CASCO registration - voluntary car insurance against theft, damage, etc. This is done in order to reduce banking risks. Refusal of insurance may result in non-issuance of a loan.

If CASCO has been issued, then until the borrower pays the debt, the recipient of the insurance compensation in the event of an insured event is the bank.

The procedure for obtaining insurance for a new car is standard. The only thing is that you don’t need to undergo a technical inspection. According to federal law, this may not be done for 3 years.

Driving without MTPL insurance is as illegal as not registering! In other words, referring to the federal law on compulsory motor liability insurance, we can say the following: “The car owner is obliged to register the car within a period of no more than 10 days from the date of conclusion of the purchase and sale agreement or another, as a result of which the fact of ownership of the vehicle occurred.” We can draw an unambiguous conclusion: “Driving a car without a compulsory MTPL insurance policy is prohibited by Russian law.”

There are several acquisition methods for 2021, namely:

• Purchase directly from the insurance company office
• On the website of insurance companies, intermediaries and partners

But let’s take a closer look at how to do this easier and faster.

At the office of an insurance company

To purchase a car license in the office, you need to collect a list of necessary documents, as well as allocate time. After all, in order to choose a truly responsible insurer, you will need to visit several companies and get acquainted with their requirements, as well as privileges over competitors. It is also worth analyzing the insurance market by price category, because for many this is an important point. As a result, you will spend a lot of time analyzing and searching for a company, and this method is also costly.

Online purchase or E-policy

Recently, the most common way to purchase a car license is the Internet. After all, now you can purchase E-OSAGO in 15 minutes, while sitting in a comfortable chair with a cup of coffee. To do this, just go to the proven resource sravni.ru and follow just three steps to purchase:

1. Make a calculation based on the entered information
2. Select a suitable insurance company from those proposed as a result. You can take into account the rating, reviews, cost and offered discount.
3. Place an order for an online purchase and pay using a bank card

Having done everything necessary, in literally 15 minutes, you will receive an electronic MTPL policy by email. The next letter from the company will notify you that the policy has been registered and you can use it.

As mentioned above, for a more accurate calculation you can use the “Compulsory Motor Liability Insurance Calculator” of the Sravni.ru website. To obtain information, you will need to enter personal data and driving criteria; for a clear example, we will make the following calculation for a new car:

• Car make – Honda Pilot
• Year of release – 2017
• Insurance period – 1 year
• Registration region – Moscow
• Registration region – Moscow
• Number of drivers allowed to drive – 1
• Driving experience (calculated from the date of license issue) – 7 years

No.	Insurance Company	Registration cost
1	"Yugoria"	RUB 11,840
2	"Ingosstrakh"	RUB 13,178
3	Tinkoff Insurance	RUB 13,178
4	"Agreement"	RUB 13,178
5	"VSK"	RUB 13,178
6	"RESO-Garantiya"	RUB 13,178

*Price valid as of October 2021.

All websites of insurance companies have an online gadget “Compulsory Motor Liability Insurance Calculator” for convenience and attracting potential clients. But for greater convenience, the www.sravni.ru service was created. Using its calculator, you first of all save a lot of time searching for the optimal option according to individual criteria.

The biggest advantage of the service is that all partners, insurance companies, are reliable and verified by thousands of car owners. Also, by entering the minimum data for selection, you will receive a detailed list of companies in your region with the exact cost of the product. This will also play a significant role in your choice. What is the purpose of looking for something else?

Cost of OSAGO

The presence of compulsory motor liability insurance is mandatory under the legislation of the Russian Federation. Therefore, the price for it is the same for all insurance companies. The cost of compulsory motor insurance depends on the following factors:

• Type of vehicle;
• Region;
• Physical age of the policyholder and driving experience;
• Motor power;
• Number of accidents.

For young drivers, the cost of compulsory motor liability insurance will be higher due to age and experience, for experienced drivers - due to accidents, if any. The cost of compulsory motor insurance varies from 12,000 to 23,000 rubles.

OSAGO payment

To receive payment, the victim must contact the insurance company of the person who caused the accident. It is worth considering that if you are at fault in an accident, the payment price will be taken into account in accordance with the wear and tear of the car (its age and mileage).

The threshold for payment of compulsory motor liability insurance is 400,000 rubles. If the cost of damage turns out to be higher, then you have the right to recover the difference through the court and the culprit of the accident.

CASCO cost

Unlike MTPL, CASCO independently sets the price for the policy. On average, it is 4-12% of the market value of the car. You may be refused if you do not meet the company's requirements at the time of concluding the contract. Let's say the age of the car has been exceeded. The contract also specifies the amount of compensation or repairs. CASCO cost formation indicators include:

• Age and experience of the driver (the younger, the more expensive);
• Vehicle storage conditions;
• Family status;
• Alarm installation;
• Number of accidents;
• Vehicle age;

The latter is worth focusing on. The older the car, the higher the CASCO price will be. The risk of breakdown is greater for a used car, and repairs are no cheaper than repairs for new cars.

Advantages and disadvantages of CASCO

Pros:

• Peace of mind for the car for the year ahead;
• Receiving funds or repairs in the event of an accident or unforeseen situation, regardless of the circumstances.

Minuses:

• High price. 4-12% of the car’s market price can cost a pretty penny;
• Prices not regulated by law;
• Reluctance of insurance companies to issue used cars;
• Delaying payments;
• Recording each case with the traffic police to obtain a certificate;

CASCO saves your nerves, but spends money on it. Big or not - it's up to you.

If the car is used for personal purposes, no special insurance is required. The cost of the vehicle depends on the following factors:

• car model and make;
• motor power;
• the region in which the car is registered;
• driver experience, as well as age limit.

What documents are required for registration?

A compulsory insurance contract is concluded in relation to the owner of the vehicle, all drivers allowed to drive a car or in relation to an unlimited number of citizens who can drive a vehicle. To register for compulsory motor liability insurance after purchasing a car (both new and used), in accordance with Article 15 of the law “On compulsory motor liability insurance”, you must provide a number of the following documents:

• Statements;
• Passport of the policyholder if it is an individual and certificate of registration if it is a legal entity;
• Driving licenses of all authorized drivers;
• Diagnostic card with maintenance;
• Vehicle registration certificate.

In the application, the form of which is established by Central Bank Regulation No. 431-P, the policyholder must indicate his data (full name, date of birth for an individual and place of registration, TIN for a legal entity), address, telephone number, owner details, information about the vehicle, purposes of use , data of all drivers who have the right to drive a car, period of use. If desired, the car owner can indicate the name of the service station where repairs will need to be carried out if the car is damaged in an accident.

The nuances of used car insurance

Some owners of a used car are interested in: what will happen if the deadlines for undergoing maintenance and registration are delayed? The agreement can be extended for another 20 days, but such experiments are fraught with penalties, because the law sets a period of 10 days. The fine in 2021 ranges from 500 to 5,000 rubles, it all depends on the reasons why the driver did not complete the procedure on time.

If you want to bypass the option of hiring a tow truck to deliver used vehicles to a service station, there is one way, but how financially profitable it is is a controversial issue. Sometimes the seller makes a notarized power of attorney for the new owner, which will cost time and money. Although sellers are increasingly suggesting that the buyer do just this, because then they have the right to return the costs incurred for the remaining days of unused compulsory motor third party liability insurance.

Is the previous owner's compulsory motor liability insurance suitable for registering a car with the traffic police?

No, it won’t work - in 2021 the law directly prohibits this option.

Now let's explain why:

1. The MTPL policy is issued for one person – the policyholder. Usually he is the owner of the car (not always). The previous owner's compulsory motor liability insurance clearly states that he insures his own risks of harm to other road users. You need to “insure your civil liability” or, in other words, buy compulsory motor liability insurance in your name.
2. An MREO traffic police officer will open the electronic database and look at the “owner” item. If your full name is not there, they will refuse to register your car. And they won’t accept the previous owner’s insurance as “yours.”
3. At the same time, as we have already said, it will not be possible to register a car with the traffic police without a motor vehicle license - due to Part 2 of Art. 4 of the Law on Compulsory Motor Liability Insurance.

“Why register a car at all?” - you throw in your hearts. “Isn’t it better to give up on this matter and drive without STS and insurance!” But no!

The fine for failure to register a car with the traffic police is from 1,500 to 2,500 rubles (Part 1 of Article 19.22 of the Code of Administrative Offenses of the Russian Federation). But this is when you apply to the State Traffic Inspectorate window for registration, if you did not meet the 10-day deadline by law. If you are caught on the road and you do not have a Vehicle Registration Certificate, you will be fined from 500 to 800 rubles under Part 1 of Art. 12.1 Code of Administrative Offences. Driving again without registration will result in a fine of 5,000 rubles, or deprivation of rights from 1 to 3 months.

If you don’t have compulsory motor liability insurance, you will face a fine of 800 rubles (Part 2 of Article 12.37 of the Code). And such fines can be issued several times a day - while you are driving without insurance and traffic police officers catch you on the road.

What determines the cost of a car license?

When a car is sold, the MTPL policy automatically loses its validity, and the buyer will not be able to use it, even if the policy has not yet expired.

However, if you want to sell a car with a valid MTPL, you can contact your insurance company and demand compensation for the remaining period of validity of the policy that you did not use. In such cases, insurers always accommodate clients halfway and return part of the cost of insurance.

You can calculate the cost of a car title for a used car using our online OSAGO calculator. Upon completion of the calculation, you will see a list of the best offers from various insurance companies and will have the opportunity to buy a policy at a discount.

All cars, including new ones, must be insured no later than 10 days from the date of concluding a sales contract or other document on the basis of which ownership was transferred to you. If, when stopped by traffic police officers, you do not have a valid insurance policy, a hefty fine will be imposed.

If you purchased an E-OSAGO electronic policy, then you should wait for the next letter from the insurer that the motor vehicle has been registered. That is why it is strongly recommended not to go on the road until you receive confirmation by email. In case of purchasing a vehicle on credit, many banks require the purchase of a compulsory motor liability insurance policy on the day of signing the financial liability agreement. Thus, the bank insures its investment.

Cost of OSAGO

OSAGO payment

CASCO cost

However, sometimes the previous owner has no idea that if he left such a document for himself, he will not be able to return the money. Let's consider how to act in order to become the owner of funds. The law provides that when carrying out a transaction that involves the alienation of a car from the property of one citizen and transferring it into the ownership of another, insurance in the form of compulsory motor liability insurance may be terminated, and the terms of the policy may lose their legal force that was previously established. At the same time, the company that issued this policy and is the insurance company must return the money to the former owner of the car that was paid under the contract.

But, unfortunately, as practice shows, such organizations strive to keep some part of the amount, or even the entire amount, for themselves, and explain this by the fact that they also incurred costs and significant expenses that can be recorded as losses to the company.

In this case, you will need to have the following set of documents with you: a registration certificate, a diagnostic card or a technical inspection card, the car owner’s passport and his driver’s license, as well as a sales and purchase agreement for this car. You can apply for a policy with the insurance company using one of the following options: by adding the new owner to the auto insurance contract, by redoing the documents for another vehicle, or by terminating the contract. The features of these methods will be discussed below.

Can I drive under a valid MTPL from the previous owner?

As for movement under the policy of the previous owner of the car, everything is extremely simple and clear - there are no prohibitions. But there are a number of subtleties.

What if the insurance is unlimited?

You can get behind the wheel of a purchased car and go anywhere. Specifically, the transfer of ownership of a car is not grounds for termination or automatic termination of the insurance contract.

The essence of unlimited insurance is in the name itself. The policyholder (and this is the previous owner) issues a compulsory motor liability insurance policy, where specific drivers are not indicated. Anyone with a driver's license can drive a car. Including you, as the buyer of the vehicle. For example, to get home.

What if I am included in OSAGO?

You can do that too, no problem.

If the insurance has a limited number of persons allowed to drive, then the policyholder will have to enter the new owner of the vehicle manually. Or rather, go to the insurance company’s office and add a new driver to your MTPL policy. Or do the same steps on the insurer’s website (for e-MTPL). In certain cases, the service is paid.

The question arises: if you bought a car, but the previous owner did not include you in his insurance, will it really not be possible to even get home? And when stopped by traffic police inspectors, will you be given a fine for driving without compulsory motor insurance? Not at all!

How to choose a reliable insurance company

Those who are faced with car insurance for the first time are at a loss as to which insurance company to choose and trust with their safety. Experts recommend focusing on the following factors:

1. Don't get involved with newbies in the insurance business, even if they offer a low cost policy. Such organizations spend money on promotion and PR business, advertising campaigns in order to gain a large number of clients, while the quality of insurance provision suffers, contracts are hastily drawn up and are legally illiterate.
2. Ask the agent in which territory the proposed policy is valid and whether there are any restrictions.
3. Carefully re-read each clause of the agreement several times. The carelessness and haste of the car owner often become the reason for non-compensation for losses in the event of an accident.
4. If you change your last name or other details and information, be sure to notify the insurance agent; he is obliged to reflect the new data in the contract. The old one is no longer valid.
5. Self-respecting insurers always offer a discount on payment for the next insurance period if there was no insured event during the previous one.
6. Losses incurred are regulated on the spot, for this you do not need to go to the head office, just visit the branch where you issued the MTPL and talk with a competent employee.

Methods for re-registration of compulsory motor liability insurance

1. Be sure to draw up a written agreement and have it notarized.
2. You must write an application requesting that the person be included in the policy.
3. You come to the insurance company, enter information about the person on the insurance sheet.
4. If necessary, pay the required amount. This completes the procedure.

The first of these methods is permissible only by mutual agreement of the parties - if the old owner is not against the new owner of the car using his car insurance rights, then you should go to the insurance company with such a decision. With this option, it is necessary to draw up in advance with the buyer an agreement previously certified by a notary, which states that the new owner undertakes to return compensation to the previous owner for the period when the latter will not use the car (and with an auto insurance policy, respectively). This method is very convenient, but is only permissible if it is agreed upon with the buyer.

If, after negotiations, it was decided to use it for re-registration, then you should first draw up an agreement that the buyer undertakes to pay the seller a set amount (its amount is determined independently, everything is also by agreement) for the unused period, after which this document is certified by a notary.

In the case where the new owner refuses to make concessions and does not support the first option, then re-registration can be carried out by terminating the current car insurance policy. In this case, the insurance company, according to the contract, undertakes to pay funds for the unused period.

In order to receive such compensation, you must submit a termination request to the same insurance company that originally issued the policy. Be sure to have with you the agreement on the completed transaction for the purchase of the car. This method is reliable and re-registration in this way occurs without difficulty. However, it is worth considering that in this option the insurance company will take in its favor approximately 20% of the total insurance price.

If this option is used, then first a statement is written stating that the deal with the insurance company is terminated. Along with the application, a document confirming the sale/purchase of the car is provided. Based on these documents, the car insurance contract is terminated. After this, the former client is paid compensation for unused periods of time, but a commission of 20 to 23% of the amount is also charged (which is why the first option is more preferable).

The third option is to re-register the policy for another car. This method is used very rarely due to the fact that to implement it you must have at least two cars, registered with the same insurer. In this option, unspent insurance time will be automatically “transferred” from the sold vehicle to another. This allows you to save significantly when you subsequently issue a car insurance policy with the same company.

• statement (it is written by the company itself and contains a requirement to return the unclaimed amount to the client);
• a photocopy of the document confirming the act of purchase of the car;
• photocopy of the car passport;
• a valid auto insurance policy under which compensation will be provided;
• receipt for payment of the policy.

The copies of the above papers required to be provided are not required to be notarized. As a rule, insurance companies do not pay very much attention to sales documents and vehicle registration. The most important thing in this case is the policy itself and the fact of its payment. However, it is still worth attaching the specified copies to the general list - this will avoid delaying the process and will speed up the re-registration process.

If re-registration is carried out by mutual agreement, as described above, then one more document must be added to this list - an agreement certified by a notary on reimbursement of the required amount by the buyer. As for the person who has become the new owner of the car, he presents in insurance company the following documents:

• original passport;
• a copy of the vehicle purchase agreement.

How can I renew my insurance?

There are two options - you can use any of them, depending on the conditions of the insurer and your wishes with the car seller.

Change owner in OSAGO

Let us say right away that difficulties may arise with this. Not all insurance companies are willing to renew the MTPL contract. Whether or not to enter into a dispute with the insurance company is at your discretion. But refusal in this case will be illegal, because the Insurance Rules do not allow only 3 changes in the policy: the policyholder, the car itself and the insurance period. But there is no talk of changing ownership.

If the insurance company does not mind changing the owner in the policy, here is the algorithm of actions:

1. Agree with the policyholder - the person in whose name the old MTPL was issued.
2. The policyholder submits an application to the insurance company. Documents needed:

• his passport;
• original MTPL policy;
• PTS – vehicle passport;
• DCP of the vehicle;
• passport of the new owner (buyer);
• receipt for payment of insurance premium.

1. The insurance company is reviewing the application.
2. Re-issuance of an MTPL policy, where your last name, first name and patronymic will appear in the “owner” column.

As a rule, there should be no problems with further registration of the car with the traffic police. But they may not miss the reissued MTPL policy. And then you'll have to buy a new one.

Note! It is not profitable for the policyholder to reissue the MTPL policy on you “for thank you”. After all, he pays the insurance premium out of his own pocket. Therefore, you will most likely have to reimburse him for these expenses. Usually a notarial agreement is drawn up. But you can indicate the obligation to reimburse the insurance premium in the text of the vehicle’s policy document, with subsequent approval of the contract by a notary.

Apply for a new policy

The best option is that you apply for a new insurance policy, and the previous owner terminates his MTPL agreement. The basis is “replacement of the owner of the vehicle” - it is enshrined in clause 1.14 of the Regulations of the Central Bank of Russia No. 431.

In case of early termination of the MTPL agreement, the old owner is entitled to compensation for unused months. It is calculated using the formula:

Amount to be refunded = (Policy cost – 23% of the insurance commission) * period until the end of the compulsory motor liability insurance policy.

Whether the insurance company agrees to this or tries to play by its own rules is not so important for the car buyer. After all, he concludes a new MTPL agreement: in paper or electronic form. Then, based on the insurance, you can easily register the car with the traffic police.

Refunds for compulsory motor liability insurance

In order to return money for non-use of the MTPL policy, you need to find out which method you would use. If you have entered a buyer into the field, then you must claim money from him. If you have terminated the contract with the insurance company, you need to come to the office and have the following documents with you.

1. This is a copy of the insurance policy that you managed to make.
2. The original and a copy of your passport are required.
3. OSAGO receipt.
4. Also, you may have a purchase and sale agreement.
5. Power of attorney if necessary.
6. A certificate stating that the car has been removed from registration, and so on.

Already on the spot you write a return application. At the same time, it is worth paying special attention to timing issues. This includes 14 days from the date you submit your application. Sometimes, if the insurance company has stipulated this in the contract, the money can be returned immediately through the cash register. If after the allotted period of time the money has not been received, the person has the right to write a complaint against the company or even go to court. However, you must have a document with you that indicates that the insurance company has agreed to your requirements.

Features of insurance when buying a car

When purchasing a used or new car, there are some legal requirements you need to be aware of to ensure you adhere to them strictly. For example, the need to issue compulsory motor liability insurance within two weeks from the date of the transaction. Otherwise, the violator will face penalties.

Taking out insurance for a used and a new car has its own characteristics, but in general it is not much different from each other. Basic principles:

• To purchase a policy, you need to find a suitable insurer who has proven itself well in the market.
• Conclude a car purchase and sale agreement in triplicate.
• Submit the entire package of papers for registration to the insurer, pay for its services.
• After concluding an agreement, obtain a policy.

The fundamental difference in the case of purchasing a used vehicle is the need for additional registration of a diagnostic card. Without it, the insurance company will not issue a policy. Operating a car without compulsory motor insurance is prohibited by law.

Attention! If at the time of registration the vehicle does not have a state number, then it must be reported to the insurer within 3 days after receipt.

Illegal 20% of the contribution amount, what to do?

When calculating the funds received, you may be missing 20-25 percent of the amount. The insurance company takes them, citing the fact that they are forced to receive compensation for the fact that you did not use the policy for the entire time for which it was issued. In fact, such an action is not legal.

The requirement to provide the insurance amount is not specified in the legislation, which means it should not be fulfilled. In addition, there is no such requirement in your insurance contract. However, as they say, “it’s just the way people have it.” Insurance companies very often allow themselves to do this because they want to make a profit from each of their clients. You'll have to come to terms with this.

If you want to sue for the remaining 20% ​​of the cost of the policy, then you will need to go through more than one paperwork, and, ultimately, by spending money on lawyers and litigation, you will lose much more than what you gain. You should also remember that When fighting for this money, you need to take into account that the insurance company may refuse to pay the money altogether. They have a lot of experience in dealing with uncooperative clients.