Every motorist driving a vehicle is obliged, on the basis of Federal Law No. 40, to take out MTPL insurance. In a standard situation, the document is issued for one year, but there are also situations when this period is reduced. Most often, a temporary document is required when purchasing a car in one locality and needing to drive it to another. In this option, transit MTPL insurance is issued, which allows you to receive compensation when an insured event occurs.
In 2013, an administrative regulation came into force in the Russian Federation, eliminating the need to obtain transit numbers for individuals. Simplified rules for car registration also provide for the possibility of producing transit-type license plates to replace lost ones. They are required only when traveling outside the state borders.
A temporary MTPL policy is issued according to current rules for a period of up to 20 days. This period is provided for in Article 10 of Federal Law No. 40. This time period is sufficient to move to any region from Kaliningrad to Vladivostok.
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Despite the limited period of use, such compulsory motor liability insurance provides all the benefits offered by a standard policy. The contract is concluded for the period the vehicle owner does not have a primary policy, but not more than 20 days. Valid for the period until the vehicle is permanently registered at the place of registration of the owner.
When is transit insurance required?
Federal Law No. 40 in Article 10, paragraph 3 “Validity of the compulsory insurance contract” specifies the conditions under which it is necessary to issue a transit insurance contract:
- The vehicle is removed from permanent registration to be placed at a new location;
- the car was purchased in another region and needs to be transported to the place of official registration.
A special feature of the MTPL transit policy is its increased cost. It is due to the growth of potential risks.
Step-by-step instructions for registration
Below is information on how to quickly obtain transit insurance for a period of 5 to 20 days from any selected insurance company on the territory of the Russian Federation.
Documentation
Despite the fact that insurance is issued very quickly and the companies have done everything possible to make the registration process convenient for all parties, it is impossible to do without a minimum package of documents.
The list of papers is the same for all insurance companies and includes the following documents:
- an identification document of the owner of the car (most often a passport of a citizen of the Russian Federation is used);
- vehicle passport;
- driver's license and its copy.
Another document is drawn up on the spot - a standard application, where the future policy owner enters his basic data.
Is a technical inspection required?
According to the law, drivers who apply for a transit policy for up to 20 days can obtain compulsory motor liability insurance without a technical inspection. Consequently, this type of insurance is issued without a technical inspection.
Statement
Some insurance companies post a sample insurance application on their website so that potential clients can fill out the paperwork at home. But it is still recommended to write it in the presence of the insurance manager.
This method will help to avoid possible mistakes as a result of which the application will not be accepted.
The application is drawn up in a very simple form; basic information about the client and the car is entered. The list of documents specified above is attached to the application, the applicant’s signature and date are affixed.
Algorithm of actions
- Selecting a suitable insurance company.
- Visit to the office with a package of documents.
- Filling out an application for a policy.
- Checking documents in the RSA database by an insurance company specialist.
- Payment for transit compulsory motor liability insurance.
- Issuance of a temporary insurance policy.
Cost: what it depends on and how it is calculated for 15-20 days
The cost of compulsory motor insurance depends on many criteria, including the driver’s experience, his age, and sometimes even the area where the vehicle is used. Numerous criteria are focused on the most accurate calculation of the possible risk of an accident involving a particular vehicle. Therefore, different clients in one insurance company may be offered policies of different prices. The price of a temporary car policy can be calculated taking into account the following indicators:
- who takes out the insurance - an individual or a legal entity;
- type of vehicle - truck or passenger car;
- owner's age;
- driving experience;
- engine power.
Let's consider an example of calculating the cost of transit insurance for 15 days for a passenger car driver aged 21 who has two years of driving experience.
- the insurance period is 0.15 of the standard period;
- no trailer;
- the specific region of operation has not been determined;
- no period of use;
- the engine power of a passenger car is 1.1;
- the driver's age and experience is 1.87;
- The basic MTPL tariff is 2,746 rubles.
Many drivers are interested in how the coefficient of length and driving experience of a driver is calculated. By default it is set to 1.87. In this form, the coefficient applies to drivers from 16 to 21 years old, if they have spent no more than two years behind the wheel. With increasing age and driving experience, the coefficient decreases down to 0.96 (applies to drivers aged 30 years and above, if their driving experience exceeds 7-9 years).
In accordance with this example, we multiply the base tariff (2746 rubles) by the insurance period (0.15%), car power (1.1) and driver experience (1.87), we get the cost of insurance 848 rubles.
The cost of temporary insurance for 20 days for a 34-year-old driver with 3 years of experience will be calculated as follows:
- car power 1.1;
- insurance period 0.2;
- driving experience 1.04.
The basic tariff is 2,746 rubles, multiplying it by the insurance period, power factor and driver experience, we get the cost of the policy equal to 628 rubles.
As you can see, a transit insurance policy in terms of the cost per day will be more expensive than an annual one.
What do drivers get as a result?
An insurance policy for 20 or 15 days is fully consistent with the classic standard MTPL insurance, the only difference is the validity period. After paying for the policy, the driver receives a document indicating the validity period of the contract (1 year) and the validity period of the insurance itself. It is impossible to extend transit insurance, but payments under it occur as standard if the insured event occurs during the policy period.
Main differences of transit insurance
Externally, the policies are no different. To fill out, use the standard OSAGO form.
The MTPL transit policy is issued for a period of up to 20 days, and not for the standard one year. Dates are entered in the fields located at the top of the form. Exceeding the period is punishable by penalties.
The difference between a temporary document and a standard one is the cost. It may differ several times.
Please note that updated forms are currently in effect.
The insurance period of up to 20 days is entered in the same way as the standard one. It is indicated in special columns. This also applies to the electronic version of OSAGO.
Who can take out MTPL transit insurance?
A transit MTPL policy with a limited validity period is most often issued by:
- directly the owner of the vehicle;
- its buyer;
- third party.
If it is drawn up for a third party, he or she must additionally obtain a power of attorney to use the car. It is not listed in the list of required documents, but the insurance company may require it.
Including the data of a third party in the list of persons entitled to drive a car helps to avoid preparing a power of attorney. The number of such citizens is not limited by law.
Table comparing the best offers from insurance companies for temporary insurance on the Russian market
Central region (Moscow and region):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Ingosstrakh | From 1236 |
| Capital | From 1236 |
| Alpha insurance | From 1236 |
| Rosgosstrakh | From 1483 |
| Renaissance | From 1483 |
South of Russia (Volgograd region):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Capital | 804 |
| Tinkoff Insurance | 964 |
| Zetta | 964 |
| Rosgosstrakh | 964 |
| Agreement | 964 |
South of Russia (Rostov region):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Capital | 1112 |
| Volga Insurance Alliance | 1335 |
| Zetta | 1335 |
| Muscovy | 1335 |
| ERGO | 1335 |
Siberia (Tyumen region):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Capital | 680 |
| Rossgosstrakh | 816 |
| Zetta | 964 |
| Uralsib | 964 |
| Yugoria | 964 |
Far East (Vladivostok):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Capital | 865 |
| Alpha Insurance | 865 |
| Ergo | 1038 |
| Rosgosstrakh | 1038 |
| Ingosstrakh | 1038 |
North-west Russia (St. Petersburg):
| Number of days from 5 to 15. Experience 3 years. Accident-free driving period is 5 years. Limited policy for 1 driver. | Approximate prices for 2021. Indicated in rubles. |
| Capital | 1112 |
| Ingosstrakh | 1335 |
| ERGO | 1335 |
| Rosgosstrakh | 1335 |
| Yugoria | 1335 |
Where is the transit MTPL policy sold?
Registration is carried out at any insurance company. This could be one where the vehicle was already in the database or a new vehicle. Given the short-term nature of the application, a personal visit in such a situation can be replaced by filling out documentation online.
An alternative option is to purchase a transit OSAGO policy through dealers (agents) and brokers.
Registration through insurance agents
The advantages of applying include the willingness to perform activities outside the office. You can arrange a meeting with such specialists at any convenient place. Risks include numerous cases of fraud. Insurance companies provide clients with a list of insurance agents who work with them. This information is posted on the UK website. If they are not available, you can ask the insurer’s representatives by telephone for clarifying questions.
Contacting brokers
Brokers operate similar to insurance company agents. But in such a situation, the policyholder can compare the conditions of several insurance companies at once. Insurance brokers work with a large number of insurance companies. Representatives of such organizations are ready to select the most profitable option. It is also advisable to clarify the organization with the insurance company whose transit policy you plan to issue.
Procedure for purchasing MTPL transit insurance
If you visit the policyholder on your own, you will need to take with you:
- passport;
- driver's licenses of the buyer and seller;
- vehicle passport with registration data;
- diagnostic card (for temporary insurance it becomes an additional document, the mandatory provision of which has not been required in recent years).
Additionally, a certificate in the form confirming the absence of accidents is accepted.
When sending a request for a transit OSAGO policy online, the list is saved. Document numbers are entered in the fields provided on the application form. A plus is the hints that simplify the design. To get them, just hover the mouse cursor over the line.
The insurance company verifies the data with those specified in the RSA. The applicant is sent an email with information about the cost of the MTPL transit policy. Payment is made using any payment systems, transfer from a bank card. Payment information is sent to RSA. The electronic policy is downloaded using the provided link. If it is not available in printed form, it is enough to inform the traffic police inspector about its availability. The data will be checked against the RSA database, to which every traffic police officer has access.
Where to contact
Temporary MTPL insurance for 15 days or more is purchased from insurance organizations. When purchasing a vehicle at a car dealership, you can issue a temporary policy there. But the buyer has the right to refuse the services of the seller and choose his own company. It is better to contact an organization with which you have already had a good experience of cooperation.
Private agents offer fairly large discounts, but when cooperating with them, it is better to double-check the reputation of the organization several times, since cases of fraud in this area are quite frequent.
To clarify this information, you should contact the official insurer and find out whether the agent is registered.
If it is not possible to contact the office directly, then you can order temporary compulsory motor liability insurance online, via the Internet.
How to apply for a transit policy online. Stages:
- Choosing a company. Registration on the site.
- Confirmation of registration via a letter that will be sent by e-mail.
- Drawing up an application. Data about the vehicle is filled in and personal information is provided (full name, registration, passport series number). All information is entered into the database and carefully double-checked by the insurer. The application is signed electronically. You must obtain an electronic signature earlier through the State Services portal. Detailed instructions should be on the insurer's website.
- After submitting the application, the organization verifies the data. As part of processing the application, the insurance company checks the provided data with the database of the Russian Union of Auto Insurers. After verification, the company will contact the customer and issue an invoice for payment.
- You can pay for the service by card or through an electronic wallet. Pay through a bank account or use a payment system.
- After this, the insurer enters the car owner into the general database. The electronic policy can be printed on a printer.
List of reliable organizations providing vehicle insurance (according to the RAEX rating agency):
- Alfa insurance,
- VSK,
- VTB insurance,
- AIG,
- Surgutneftegaz,
- Ingosstarakh,
- Rossgosstrakh,
- RESO-Garantiya,
- Zetta Insurance,
- Verna,
- Yugoria,
- Agreement,
- Alliance,
- Ergo,
- Tinkoff Insurance.
What is the cost of obtaining MTPL transit insurance?
The cost of a transit OSAGO policy is determined by taking into account the base rate multiplied by the coefficients. Including horsepower.
| Vehicle power (horsepower) | Price |
| 70-100 | from 1630 |
| 100-120 | from 1800 |
| 120-150 | from 2100 |
| Over 150 | 2400 |
The minimum cost of a policy for delivery to another region, provided to an unlimited number of people, is from 1,700 rubles. A slight adjustment is possible due to the driving period of motorists and some other indicators. The formula includes:
Tariff*short-term insurance coefficient*power coefficient*driver age and experience coefficient
Using a formula helps determine the price in advance. Calculators are located on the UK websites.
The cost of a transit OSAGO policy is determined by law. For this reason, it is almost identical across different insurance companies.
Price for 10, 15 and 20 days
To find out the cost of a temporary policy, say for a period of 20 days, you need to know the full price. And already from this parameter it is necessary to determine 20% or 5th part, i.e. a coefficient of 0.2 is used. This will be the price of temporary insurance: 0.2 of the annual cost.
On average in Russia, the cost of insurance for 20 days is 1,700 rubles (Ingosstrakh company. Machine power is from 70 to 100 hp). The maximum price for cars with hp more than 150 is 2400 rubles . You can start from this amount to find out the amount of funds for a contract for a shorter period.
For 10 days the coefficient will be 0.1, and for 15 days – 0.15.
In terms of the amount per day, the cost will be 2.5 times higher than with annual insurance.
Car enthusiasts will also be interested in reading about how to buy a policy without life insurance and about insurance without restrictions, as well as about the features of registration for a motorcycle, for a taxi, and when buying a new or used car.
What is the validity period?
The duration of use of a temporary MTPL policy for passenger cars is 20 days. During this period, the vehicle must be transported to another region and registered.
The periods provided for specialized equipment are shorter. For such vehicles, a MTPL transit policy is issued for up to 5 days. Also, a foreign citizen who wants to insure his car with temporary MTPL insurance will have to do it in a short period of time. It is 5-15 days.
The car owner has the opportunity to terminate the transit OSGAO agreement ahead of schedule. For example, it took only a week to move a vehicle. It is enough to submit an application to “your” IC. She is obliged to return the balance of unused funds. However, all money will not be returned. The overall figure is reduced by the cost at which the insurance company prices its services.
How long does it last?
The transit policy has a strictly limited validity period by law - a maximum of 20 days. According to the legislative assembly, this time should be enough to transport vehicles from one region of the country to another and register them permanently.
If this time is not enough, the car owner can take out another transit policy after 20 days. But in this case, you can conclude an MTPL agreement for any period within this period, for example, 5-10-15 days.
This agreement can be terminated if transportation took less time than stated in the document, but it should be kept in mind that the amount to be returned will be negligible.
If we talk about the minimum period, then it is equal to only 5 days - this is prescribed in Federal Law No. 40. As for cars that are registered in other states, but used in our country, the policy is concluded for a minimum of 5 days, and its validity period will be equal to throughout the period of use. If the vehicle will drive on our roads for 2 months, a transit MTPL will be issued for this time.
Transit insurance OSAGO online
Online services allow you to obtain a transit insurance policy without additional loss of time. To do this you will need:
- perform an analysis of offers on the official websites of various insurers;
- choose the option that is convenient for you;
- go to the official website;
- register;
- receive an electronic key to the specified email address;
- go to the subsection to apply for temporary compulsory motor liability insurance;
- carefully fill out all fields provided in accordance with the instructions provided;
- certify with an electronic signature;
- submit for consideration;
- wait for a positive review result based on the RCA database;
- get an electronic version;
- print it (not a mandatory option; traffic police officers have access to the RSA database, in which they will check the data).
The MTPL transit policy is considered valid from the moment the RCA data is confirmed.
How long does it take to process
Drawing up an MTPL agreement takes a few minutes, especially if you use the online service of the insurance company. In this case, there is no need to waste time visiting the office.
To sign insurance, you need a standard set of documentation:
- valid civil passport;
- documents for the car;
- certificate of diagnostic inspection, if the vehicle is not new;
- citizen's rights, plus documentation of all persons who will drive the vehicle during transportation;
- if you want to receive a discount on the agreement, provide a certificate from the traffic police confirming accident-free driving of the vehicle;
- power of attorney if the policy is issued by a third party.
If the entire package is in order, the policyholder is asked to fill out an application in the established form, on the basis of which a compulsory motor liability insurance policy will be issued. It is worth noting that in the “Government number” column the temporary or transit number of the car is indicated, the remaining fields are filled in as when drawing up a classic document.
After signing an agreement on temporary liability insurance, the car owner or driver receives: transit MTPL, receipts confirming payment, the Europrotocol in two copies and the rules for the operation of MTPL.
Possible pros and cons
The use and registration of a transit OSAGO policy has its pros and cons. Benefits include:
- the ability not to provide a diagnostic examination card;
- affordable cost, on average 20% less than the price for a regular policy option; if these parameters seem large, it is worth taking into account the increased degree of risks that the insurance company is trying to provide for;
- quick registration, including the prospect of completing actions through the insurance company’s website.
Owners may also encounter some disadvantages of transit insurance:
- limited period of validity;
- extension is not provided; a new one must be drawn up, with the conclusion of a new contract.
The high degree of risk makes it difficult to purchase from agents or dealers. It is advisable to contact insurers directly.
Price
In the Russian Federation, the cost of compulsory motor liability insurance for 20 days or less is regulated by the state. In each case, the price for the service is calculated individually.
What does the cost of temporary insurance consist of:
- Amount of days. Here you need to calculate exactly how much time it will take, otherwise you will have to enter into a new contract.
- Vehicle power.
- The region in which the car is insured.
- Car owner's driving experience.
- The presence or absence of an accident with the driver.
- The number of people included in the policy.
- Season.
Possible failure
A significant disadvantage is receiving a refusal from the insurance company to apply for transit compulsory motor liability insurance. Such situations occur quite often. However, the insurer usually does not explain the reasons for the incident.
Controversial situations are considered in court, but the short duration of the process of moving a car often does not allow turning to this authority. For this reason, when applying for transit compulsory motor liability insurance, it is worth taking into account the likelihood of refusal:
- there is an increase in the expenditure limit for registration of compulsory motor liability insurance, which amounts to three payment limits or payments in excess of two million rubles;
- the ban can be imposed by a system that automatically calculates the company’s potential losses;
- During maintenance, a significant excess in the cost of spare parts installed on the vehicle was revealed.
The federal legislation of the Russian Federation does not recognize such reasons as justified.
A request to the insurance company employee to record in writing the fact of refusal to issue transit compulsory motor liability insurance helps to resolve the problem. Such a recording can later be used in court. As a rule, companies do not accept written confirmation of their unwillingness to comply with the legislation on compulsory motor insurance. And the problem is resolved out of court.
The applicant has the right to file a complaint against the actions of the insurer with the RSA. Such a statement indicates the name of the structure and the name of the employee. You can also complain to the FAS, the prosecutor's office, and the Central Bank of the Russian Federation.
What insurance cases are covered by transit insurance?
Transit OSAGO covers all insurance cases provided for in Federal Law No. 40. The duration of the validity period does not matter. Insured events under MTPL transit insurance are divided into two large groups:
- received as a result of a collision while the vehicles were in motion;
- cases of accidents between a moving vehicle and a parked car.
The algorithm of actions depends on the cause of the incident.
The vehicle was involved in a collision while driving.
Transit OSGAO applies to participants in an accident that occurred while vehicles were moving, resulting in an injured party.
The insurance company must be notified of the incident within 15 days after it occurred. There is a limit of 400 thousand rubles. The funds are sent not to the owner of the MTPL, but to the injured party. If the culprit is not identified, the issue is resolved by contacting the traffic police or law enforcement agencies.
Damage caused by a traffic accident between a moving vehicle and a parked car.
An insured event may be an incident that results in damage to the vehicle and the culprit is known; the insurance company will compensate for the loss.
For example:
While driving past a parked car, the driver became distracted and crashed. The parties are known. The case is insured.
To return the cost, you will need to promptly contact the insurance company. The owner independently collects the maximum package of supporting materials showing the possibility of using the vehicle title.
How to move a car
The law does not directly indicate how to move a car without insurance, but the new owner is required to apply for compulsory motor liability insurance no later than 10 days after purchase.
If your new car is at the stage of re-registration of documents, then there are several options for driving it to the place of registration:
- Issue a notarized power of attorney. With the help of a power of attorney, you can drive a car on behalf of the previous owner;
- Draw up an agreement for the free use of a car. After purchasing a car, you become the owner, but according to the documents, the seller remains the owner. In essence, this is a lease agreement, but without material benefits. Having a free use agreement in hand, you can also drive a car on behalf of the previous owner, but this agreement does not need to be notarized;
- Take the old owner of the car as a passenger. If you are stopped, refer to the MTPL law, which gives you the right to defer the issuance of a policy for 10 days.
Another option is to issue a transit insurance policy.
There are times when there is a need to use the services of professionals who will take on the responsibility of drawing up an estimate of the cost of transporting your car across Russia or to other countries and, in fact, delivering your car from point A to point B. Often people themselves cannot for a number of reasons get behind the wheel: you don’t have a license, you drank alcohol, your driver didn’t show up for work...
There are a lot of cases when car owners ask themselves the question: “Where can I order a car hauling and what will be the price for moving cars within Russia?” After all, you must admit that not everyone has friends who can be trusted with their vehicle. In such cases, the specialists of TA Peregonshchik LLC are ready to help not only determine the cost, but also deliver the car safely and securely to its destination.
What does the law say about this? Unfortunately, contradictions in Russian legislation can confuse any driver.
And by next year the insurance turns out to be expired, but to renew it you need to take your car first to a technical inspection station and then insure it. What to do in this case and what to do? Should I use the services of a tow truck or risk getting a fine myself and try to legalize my trips? The resulting dilemma is that an insurance policy, which in fact should provide the owner with protection, puts him in an awkward position.
Temporary MTPL policy for 15 (20) days - features, price and cost
The cost of such temporary MTPL insurance is low - 5 times lower than the price of a standard policy. That is, if you paid 5,000 rubles for your MTPL policy, a temporary MTPL policy will cost 500. Features of temporary car insurance A temporary MTPL policy is closely related to transit numbers - they even have the same validity period, twenty days.
And the roots of this grow from the Russian bureaucracy, which requires the car to be registered directly with the traffic police, where the car still needs to be driven somehow.
and are there any problems with insurance companies when insuring temporary registration? 2 pluses 8 minuses Best on top First on top Current on top I work for an insurance company. OSAGO can be issued with temporary registration. No problems arise. Expand branch 6 what company do you work for?
The owner of a vehicle has the right to enter into a compulsory insurance contract for a period not exceeding 20 days in the absence of the documents specified in subparagraph “e” of paragraph 3 of Article 15 of this Federal Law in the event of: a) the acquisition of a vehicle (purchase, inheritance, acceptance as a gift, etc. similar) to proceed to the place of registration of the vehicle.
In this case, the owner of the vehicle, before registering it, is obliged to conclude a compulsory insurance contract for one year in accordance with the provisions of paragraph 1 of this article; b) going to the place of technical inspection of the vehicle, repeated technical inspection of the vehicle. It is very important that such insurance will fully protect the liability of the owner of a used vehicle to other car owners.
The main parameters that are most often taken into account:
- the region to which the vehicle will be transported;
- car power;
- Driving experience and age of the driver also play an important role.
Important! Such insurance does not protect you from the possibility of car theft. The exact amount can be found out by contacting the insurer, for example, ROSGOSSTRAKH. However, it can also be calculated approximately. Typically it is 20-25 percent of the cost of regular insurance.
Of course, you can do the calculations yourself, armed with paper and pen. However, this is guaranteed to take a lot of time. Yes, and you will probably make a mistake, since there is no data on the exact parameters. That is why it is better to use one of the online calculators.Article 16, paragraph.
1 of the Federal Law of April 25, 2002 N 40-FZ “On compulsory civil liability insurance of vehicle owners” “Vehicle owners have the right to enter into compulsory insurance contracts taking into account the limited use of vehicles owned or possessed by them.
Limited use of vehicles owned or owned by citizens is recognized as driving vehicles only by drivers specified by the policyholder and (or) seasonal use of vehicles for three or more months in a calendar year.” But there are several options for taking out a policy for a shorter period.
The category of drivers entitled to obtain such insurance includes those who drive their car across the territory of the Russian Federation to the place of its final registration or those going for a technical inspection. A 20-day contract is also called MTPL transit insurance. Clause 3, Article 10 of the Federal Law of April 25.
2002 N 40-FZ “On compulsory civil liability insurance of vehicle owners” “The owner of a vehicle has the right to enter into a compulsory insurance agreement for a period not exceeding 20 days in the absence of documents specified in subparagraph “e” of paragraph 3 of Article 15 of this Federal Law, in the event :a) acquisition of a vehicle (purchase, inheritance, acceptance as a gift, etc.) for travel to the place of registration of the vehicle.
Each new car must be insured no later than 10 days after purchasing the vehicle. The period for using the auto insurance policy is one year, but there are often cases when insurance must be taken out for a certain period. Then car owners have questions, for example, whether it is possible to obtain MTPL insurance for six months in 2021.
Let's consider the possible validity period of the insurance contract and the features of its registration. Registration of a compulsory motor liability insurance policy for a period of up to 1 month. The concept of the period of use of insurance differs significantly from its validity period. And if the first value is always constant and amounts to one year, then the insurance period may be different, depending on the chosen tariff.
We remind you that driving without insurance, in contrast to driving without a license, where the vehicle is detained with subsequent evacuation to an impound lot, is only punishable by a fine of up to five hundred rubles. The penalties for late registration of a car are more serious.
If the driver is detained again, but the car has not been registered, there is a high probability of losing his license for up to 3 months. An unaffordable luxury for drivers who make their living by transporting cargo and passengers. If the old owner continues to receive fines for the car that he sold to you, he may well report the car for theft.
Features of transit insurance in Moscow
Getting a motor vehicle license in the capital is often offered with minimal financial conditions. The sites offer registration at a price of 1200 rubles. This “advantageous” offer does not include the following when registering:
- obtaining insurance for the first time;
- the owner has a negative insurance history;
- evacuation;
- departure of an emergency commissioner and other additional options.
In most cases, transit insurance with a minimum cost is offered not by the insurance companies themselves, but by intermediaries. It is convenient for experienced drivers to buy an MTPL policy with their help. It is advisable for a novice driver to contact insurers personally.
Nuances
The procedure for obtaining a MTPL transit policy for moving a car has certain nuances. One of them is the purchase of a policy both by the car owners themselves and by a third party by proxy. The payer is included in the policy. The number of motorists included in transit OSAGO is not limited by law. Any person has the right to become an insured, not only the direct owner, but also a citizen who will directly drive the car during the period of validity of the transit policy.
In this situation, the principle applies according to which the car belongs to its owner, and the policyholder becomes the owner of the policy. In the event of an insured event, the owner receives all payments for damage caused in the event of an emergency. But only the policyholder has the right to make any changes to the contract. He has the right to terminate the motor vehicle license with all payments due in this process.
In the event of an insured event, the MTPL transit policy provides a full list of rights in the area of calculating insurance payments, just like a policy issued for a year. If there is no insurance, the owner will be fined up to 800 rubles. This amount can hardly be called critical for the majority of citizens of the country, but the fact of imposition has a negative impact on the driving history without violations. And this, in turn, can negatively affect the receipt of the next document.
In what cases will the insurance contract not be able to compensate for losses?
This may happen if the following situations occur:
- Its validity period has been exceeded.
- The participants in the accident did not suffer any physical harm.
- The accident occurred during racing or a collision with a training car.
- The damage was caused by the cargo he was transporting.
These cases exclude monetary compensation. There may also still be an additional list of conditions that cancel monetary compensation.
Note! When signing the contract, carefully read these terms and conditions.
