Apply for compulsory motor liability insurance without a driving license - is it possible to get insurance for a person without a license?

How to register a car for a person without a license: step-by-step steps

The main nuances of the procedure for purchasing and registering a car for a person without a driver’s license are as follows:

When purchasing a vehicle, the buyer’s lack of a driver’s license is not an obstacle to the transaction.
In any case, the owner without a license must attract a third party with a license to act as a driver.
This third party can be involved in the registration process in two ways:

will act as the buyer's legal representative. In this case, it will be necessary to issue a power of attorney so that the person can fully represent the interests of the owner of the car in all necessary authorities;
will only be the driver of the vehicle. To do this, it will need to be included in the insurance documents for the car in advance.

The driver plays an important role in the vehicle registration process, since in order to register the owner’s car, the vehicle will need to be delivered to the traffic police office for a technical inspection.

The most important thing in the process of registering a car is having a package of all the necessary papers, the list of which includes the following documents:

passport of a citizen of the Russian Federation;
purchase and sale agreement, which confirms the purchase by the owner of the vehicle;
passport of the vehicle itself;
MTPL insurance policy (it is necessary to enter in advance the details of the person who will act as the driver and deliver the car for inspection to the traffic police office).

During the technical inspection, the owner or his legal representative will be required to show the engine and body numbers so that they can be checked against the documents provided, and after that a registration number can be obtained.

The purchase of a vehicle without a license is possible for any adult citizen of the Russian Federation. In this case, the car is assigned a legal category of property, but the owner will not be able to drive his car until he receives a driver’s license. He will be able to re-register his car with the help of third parties who have the authority to drive the car.

There are five types of fines for driving without a license. The amount of the penalty and the article on which it is based depends directly on the circumstances of the lack of a driver’s license.

According to the law, the classification of measures is as follows:

If the driver does not have his license with him, for example, he accidentally left it at home or at work, then the inspector, at best, may limit himself to a warning, or issue a fine of 5,000 rubles to the violator. In worst case scenarios, the vehicle may be sent to the impound lot.
If the person who got behind the wheel never had a license, graduated from a driving school and did not pass the exam, then this is considered a deliberate offense, and financial penalties become harsher. In this case, the amount of the fine will range from 5,000 to 15,000 rubles.
If the driver has overdue the deadline for replacing his driver’s license, then the inspector who caught him will be guided by the “Fine for an expired license,” which is equal to the cost of 5,000–15,000 rubles.
If a person has previously been deprived of his license, but still decides to drive a vehicle, he faces a penalty of 30,000 rubles or arrest for up to 15 days.
And if the driver allows a person to drive his vehicle who does not have the authority to do so (never had a license or it was confiscated from him), then he will have to pay a fine of 30,000 rubles.

Current legal norms do not prohibit citizens without a driver's license from buying and registering cars as their own. From the point of view of legislation, a vehicle in the purchase process is not a means of transportation, but an object of property.

Adult Russians have the right to purchase a car at any time - during their studies or before exams at a driving school. And even when there are no intentions to obtain a driver’s license, and the vehicle is considered as an investment.

To register a car, the buyer must provide the MREO with a purchase and sale agreement and a compulsory motor liability insurance policy. A driver's license is not included in the list of required documents. But the new owner must remember that even the official registration of a vehicle does not give the right to drive if the owner does not have a driver’s license.

The purchase and registration of a car by a person without a license involves some nuances. The main ones:

The absence of a certificate does not interfere with the purchase and sale of a car.
The new owner will have to bring in someone with a license to act as the driver.
This person can be used as a simple driver or an official representative on the buyer’s side. In the first case, the third party will simply be included in the insurance, and to officially represent the interests of the owner, you will have to issue a power of attorney, officially certified by a notary office.

A third party is necessary in such cases, since the car must be brought to the MREO department for technical inspection and reconciliation for registration. But the owner will not be able to do this without a certificate.

Purchasing a car without a license is no different from the usual procedure. You need to follow a certain pattern:

Draw up a policy statement.
Transfer money to the seller.
Accept the car and documentation.
Pass inspection.
Apply for a motor vehicle license.
Register the vehicle with the State Traffic Inspectorate.

Sometimes a car is purchased by a person who obviously will not drive it - a mother takes the car on credit for a student child, or it is transferred to a minor by inheritance, etc.

Basic subtleties

The main nuances of the procedure for purchasing and registering a car for a person without a driver’s license are as follows:
When purchasing a vehicle, the buyer’s lack of a driver’s license is not an obstacle to the transaction.
In any case, the owner without a license must attract a third party with a license to act as a driver.
This third party can be involved in the registration process in two ways:
will act as the buyer's legal representative. In this case, it will be necessary to issue a power of attorney so that the person can fully represent the interests of the owner of the car in all necessary authorities;
will only be the driver of the vehicle. To do this, it will need to be included in the insurance documents for the car in advance.

From the video you will learn about registering without a driver's license:

Buying a car without a driver's license

Due to the lack of rights, the owner will not be able to move the car on his own, so he will have to turn to third parties. You can choose any person with a license of the required category as a driver. You can invite a good friend or relative. If there is no suitable candidate, then they resort to the help of a hired person.

There is no need to fill out any paperwork for it. If the car is stopped by State Traffic Inspectorate employees, they need to show them the agreement on the transaction and the STS for the previous owner. There are no fines in such a situation.

If the purchased car is new or less than 3 years old, then a technical inspection is not required. A diagnostic card is also not useful if it has already been issued by the previous owner and its validity period has not yet expired. Older cars will require maintenance.

The car must be brought to a service point. Here again you will need a driver. The owner can simply put a person with a license behind the wheel and go with him for maintenance, or send the driver alone, but then a power of attorney will be required.

You can get a car insurance policy without a driver’s license. For a purchase and sale transaction, compulsory motor liability insurance is not required. And when you take out insurance, there is no need to provide a car.

It is enough to visit the company’s office and conclude an insurance contract. But you need to take into account a few nuances:

If the driver will be responsible for registering the car, he should be included in the policy.
The owner does not have a driver's license, so he will have to purchase unlimited insurance or add someone he knows to the policy. The second option will be cheaper.

Solving the registration issue through State Services gives owners a 30 percent discount on the state duty fee. But it is not necessary to make an appointment through the portal. The owner himself decides how to act.

In such a situation, there are two options:

the application to the MREO is submitted by the driver acting on the basis of a notarized power of attorney, then the presence of the owner will not be required;
The document is submitted to the traffic police by the owner himself, who travels with the driver and personally applies to the registration window.

If the documents are submitted by a third party, then additional fields must be filled out in the application:

Indicate that the applicant is an authorized representative of an individual.
Indicate information about the power of attorney such as number, series, who issued it and when.

When applying in person, the owner fills out a standard application form. State registration of a car does not violate the rights of owners guaranteed by the Constitution. This is a legal procedure that binds a car to its owner. You can apply for state registration at the place of registration of the new owner, or in another Russian subject.

The law does not prohibit a citizen of the Russian Federation from owning a car without a valid driver’s license.

In the process of purchasing or accepting a gift, a car is considered as property, but not as a means of transportation.

A similar need arises in the following situations:

a student at a driving school wants to purchase a vehicle (vehicle);
buying a car for yourself, but it will be driven by a personal driver;
acquisition as a profitable investment;
a gift from parents to a child who has not yet passed his license;
re-registration to a relative;
inheritance of a vehicle by a minor or a person without a certificate.

The design features of the vehicle are as follows:

On the way home, as well as during the entire process of registering a vehicle and passing authorities, the new owner is not allowed to drive. For each movement of the car, they hire a tow truck, a special driver, or ask someone familiar with a license to help.
There is an option to enter into the MTPL policy the data of the person who will temporarily drive the vehicle.
You can delegate the issue to a third party. A power of attorney is issued for him, on the basis of which he will represent the owner.

To register, contact the MREO traffic police office. The owner or his authorized representative arrives with a driver and personally submits the application.

The procedure for filling out the form can be completed in the State Services online service. This option is also convenient because users choose their own time of arrival at the department. If a proxy is acting, the following items must be completed:

in the “you are” section – “trusted representative of an individual”;
in the information about the power of attorney, indicate the document number (if it does not exist, then the number 1), the date of preparation, and by whom it was issued.

Scheme of actions from the moment of purchasing a car to its final registration for a person without a driver’s license (VU):

Draw up a contract for the purchase of property. The details of the new owner are entered into the PTS.
Transfer documents and keys to the vehicle.
They drive the car home.
They are taken to a technical inspection to receive a diagnostic card.
The owner or his authorized representative purchases an MTPL policy.
Sign up for vehicle registration at the State Traffic Safety Inspectorate or through the State Services portal.
Inspection at the representative office, paperwork.

The legislation allows registering a vehicle in the name of a minor as property.

If the child has not yet reached the age of 14, he needs a representative. An adult himself collects a package of papers, visits the traffic police, and signs the documents for the ward. In this case, relatives or guardians provide written consent to perform such actions. When a minor is already 14 years old, he receives the right to sign on his own.

A teenager under 18 years of age is prohibited from driving a car or issuing a power of attorney for it. His legal representatives have the right to do this. When stopping a vehicle for inspection, they present:

vehicle registration certificate in the name of the child;
your driver's license;
birth certificate or civil passport where the teenager is registered.

The law does not prevent an adult citizen from purchasing a car, regardless of the presence or absence of a license. After completing the transaction, affixing signatures and making the full payment, he becomes the new owner.

When applying to a bank for a car loan, the organization does not ask for a driver’s license.

Is it possible to register a car without a car?

To obtain insurance, the owner does not need a driver's license. He takes out the policy himself. There are some nuances:

If the owner did not personally contact the traffic police for registration, then the insurance contract indicates the details of the temporary driver of the car.
The policy can be purchased for an unlimited number of persons. Another option is to mark as a driver a person over 22 years old, with at least 3 years of experience and a small KBM coefficient. If you have more than 14 years of experience, insurance will cost less.

To buy a car without a license, you do not need to first deregister it. The transaction takes place in person or by power of attorney, certified by a notary. In the latter case, a civil passport of the representative is required.

The following procedure for purchasing a car applies:

Preliminary agreement on the cost and payment procedure;
Drawing up a purchase and sale agreement;
Filling out the PTS;
Transfer of funds;
Transfer of the car and receipt of documents for it;
Registration with the traffic police.

The contract must contain technical information about the car that allows it to be identified (make, model, color, year of manufacture, vehicle type, VIN, model and engine number, title). Without this information, the agreement has no legal force.

The full cost is indicated in words, with a dash placed in unfilled sections.

Cash payment is the transfer of money after signing a sales contract at a pre-agreed location. This method involves transfer from hand to hand or through a safe deposit box. After the funds have been recalculated, a receipt for their receipt by the seller is issued in two copies.

It is first important to check the PTS and the title document, which can be a purchase and sale agreement, a gift or a certificate of inheritance. This will confirm the previous owner's ownership of the car.

If your own funds are not enough, a person can buy a car on credit. It can be issued at a branch of the selected bank or from a credit expert at a car dealership.

To purchase on credit, you must fill out a form, present a passport with registration at your place of residence, a salary certificate and a certified copy of your work book. If you are taking out a car loan, in most cases it is necessary to conclude not only a compulsory insurance agreement, but also the provision of CASCO insurance. The bank retains the PTS until the debt is fully repaid. The car is pledged as collateral.

The purchase is carried out by the general director or representative of the legal entity. It is more profitable to buy a car from an organization, since in the future you can accept it for VAT credit. If a vehicle is purchased from a private person, the company loses 18% of the total cost.

To register a car with the State Traffic Safety Inspectorate, you must additionally provide a certificate of registration of the organization with the tax authority, the charter and TIN of the company.

If a representative acts on behalf of the company, a power of attorney with the right to sign is required. It specifies the opportunity to represent interests on behalf of the General Director for registration and registration. After passing the technical inspection, the company employee will receive a PTS, where the name of the legal entity should appear in the “owner” column.

To apply for compulsory motor liability insurance, you must contact the insurer’s office or fill out an application electronically. The owner provides the following documents:

Statement;
Civil passport of the car owner;
PTS or registration certificate;
Driver's license;
Diagnostic card.

The owner cannot register the car without insurance. It is possible to issue a limited or unlimited MTPL policy. In the first case, the passport details and driver’s license number of the person who will drive the vehicle are entered into the policy. In the second case, any citizens who have a driver’s license of the appropriate category are allowed to drive.

According to current laws, a citizen without a driver's license can purchase any vehicle. A car is actually not a means of transportation, but movable property, for the acquisition of which rights are not required. The main requirement for owners here is the age of majority, otherwise there are no barriers to buying a car.

You can purchase a vehicle at any stage: while studying at a driving school, before passing the driver's license exam, or before enrolling in a driving school. If we consider a car from the point of view of an investment object, and not as a means of transportation, then a driver’s license is also not required.

There is no doubt whether it is possible to register a car without a license, since driving skills and a license to drive a car are not required to own a car. It is enough just to provide the State Traffic Inspectorate with a purchase/sale agreement and insurance. A license is needed to drive a vehicle, but it is not required to own a car. Until the owner receives a license, he will not be able to drive his car.

The entire process of re-registration of a vehicle when purchased by a citizen without a driver’s license involves the following algorithm of actions:

First, the purchase/sale is formalized. When signing the contract, you need to check the specified details several times so that the details of the new owner are entered, and not of a third party involved as a driver.
During the delivery of the vehicle, no documents will have to be completed. You can hire a tow truck that will deliver the vehicle to the right place, take out insurance without restrictions or specifying loved ones with rights.
Now you need to deliver the car for maintenance. If the owner received a current diagnostic card along with the PTS, then no maintenance will be required. No technical inspection will be required if the vehicle is under 3 years old.
Now you need to take out insurance. To do this, we go to the office of the insurance company or to insurance agents, where we issue an insurance policy.
The next step in registering a vehicle is registration with the State Traffic Inspectorate. To do this, it is more profitable to make an application through State Services, then the amount of state duty will be reduced by 30%. But you can immediately go to the traffic police without prior registration, stand in line and register your car.
After checking the papers, the car will undergo a reconciliation, during which the state traffic inspector checks the numbers on the body and engine with those entered in the title. To do this, you must definitely bring the car to the traffic police, using the services of a driver or tow truck.

If you have purchased a car, but haven’t had time to re-register it yet, and a state traffic inspector stops you, you need to show him the purchase and sale agreement and the car’s title. If the registration deadlines are not violated, then no penalties will follow for driving a vehicle without registration.

According to Russian laws, property can be registered in the name of any citizen of our country, even a minor. But registration will still require the participation of the child’s legal representative. He contacts the State Traffic Inspectorate with the necessary set of papers and signs for the child on the necessary documents.

It is important to consider that a legal representative is only needed until the age of 14. And 14-year-old teenagers already have the right to sign for themselves, but only with the consent of their parents/adoptive parents/guardians. In order to carry out any transactions with cars in the future, the minor will need permission from the guardianship authorities.

But representatives registering a vehicle need to keep in mind that if the car gets into an accident or finds itself in a situation that poses a danger to others, then all responsibility for what happened will fall on his shoulders.

Can an owner register a car without a driver's license?

As a result we can say that:

It is quite possible to purchase and register a car without a driver’s license;
The disadvantage of such ownership of a vehicle is the impossibility of driving until the owner unlearns and receives a license.

If you ignore the laws and drive without a license, the owner faces a hefty fine of 5-15 thousand rubles, but the car can also be taken to the impound lot.

The essence of vehicle registration is to link the car to its owner . Registration of a car is regulated by special Administrative Regulations of the Ministry of Internal Affairs No. 605 for vehicle registration. Registration does not obligate the owner to drive the vehicle. Therefore, it is possible to register a vehicle without a driver’s license.

Application for registration.
Identity document.
Power of attorney to register a vehicle if the applicant represents the interests of the owner who is not present at the registration.
PTS – vehicle passport.
Transit numbers (if available).
STS – Certificate of registration, if the car already has license plates.
Confirmation of legal ownership (sale and purchase agreement, gift, etc.).
Diagnostic card if the car is more than three years old.
A valid MTPL policy.
Receipt for payment of state duty.

car registration applications
car registration applications

Draw up a contract for the purchase of property. The details of the new owner are entered into the PTS.
Transfer documents and keys to the vehicle.
They drive the car home.
They are taken to a technical inspection to receive a diagnostic card.
The owner or his authorized representative purchases an MTPL policy.
Sign up for vehicle registration at the State Traffic Safety Inspectorate or through the State Services portal.
Inspection at the representative office, paperwork.

On the way home, as well as during the entire process of registering a vehicle and passing authorities, the new owner is not allowed to drive. For each movement of the car, they hire a tow truck, a special driver, or ask someone familiar with a license to help.
There is an option to enter into the MTPL policy the data of the person who will temporarily drive the vehicle.
You can delegate the issue to a third party. A power of attorney is issued for him, on the basis of which he will represent the owner.

How to apply for compulsory motor liability insurance without a driver's license?

You have two options - buy “open” insurance (which does not limit the number of people allowed to drive a car) or insurance with a limited number of drivers:

Unlimited insurance costs more, but it might be more convenient. First, when the owner finally receives the title, he will not have to notify the insurance company. Secondly, in some situations it may be necessary to put a third person behind the wheel (for example, you feel unwell or have been drinking). To purchase such a policy you will need a minimum of documents:
Your passport
A policy with a limited number of persons is cheaper. But if you don’t have a driving license yet, you’ll have to register it for one of your relatives or friends - in total, up to 5 people can be included in the insurance. For registration you will need:
Owner's passport
Driver's licenses of everyone you want to include in your insurance.

Having received your license, you are required to notify the company that you need to expand the list of drivers and provide your driving license. You will be included in the policy and you will be able to use your car.

Is it possible to register a car for a person without a license in 2021?

So, if you don’t have a license, then you simply cannot be included in the insurance. But nothing limits your right to act as an insured. In any case, the owner is the person to whom the car or motorcycle was transferred with the right, respectively, of ownership - under a sales contract or other transaction document.

Insurance rights are required. Depending on the length of service, the coefficient is considered. But you can insure the car in the name of another person. You insure it as the owner, entering the person with the rights. After receiving your rights, you contact the insurer, they will write down your rights and make adjustments if necessary. In general, if you are not going to travel, wait two months and then register. For overdue transits, the fine is 50 rubles, and even then they don’t always charge.

Driving a vehicle without a license or with an inappropriate category will cost you a fine of 5,000 rubles. up to 15,000 rub. depending on the circumstances. It’s better not to take risks and wait to be stopped for violating road safety rules.

To purchase an insurance policy, you must visit the insurer's office. At this stage, there is no need to present the car, so you don’t have to resort to the services of a driver. But there is also one nuance here, which is as follows:

personal data about the participants in the transaction, therefore their full names, registration addresses and information from passports are indicated;
date and place where the contract is drawn up;
the subject of the agreement represented by the car;
the car is described in detail, so its make, color, model, VIN number and other parameters are specified;
the cost of the car is given;
indicates how funds are transferred to the seller for the car;
additional documents attached to the contract are listed;
At the end, the signatures of both parties to the transaction are placed.

If the car has been owned for more than three years, the state fee for re-registration is not charged, the license plates remain the same if they are not damaged (read about the procedure and cost of re-registering a car to a new owner without changing the plates here). The agreement form can be filled out without notarization, although it is preferable.

Figuring out whether it is possible to register a car in the name of a person without a traffic police license will not be difficult. The registration algorithm is established at the state level. By special order of the Ministry of Internal Affairs.

Preliminary familiarization with the legislation will help you avoid many different problems. And also delays. Separately, it will be necessary to note the process of collecting documents and drawing up an application.

The main issues that you need to familiarize yourself with first include:

when allowed;
what conditions does it have?
required documents;
algorithm of actions;
how much will it cost;
registration for a minor child;
important aspects;
the legislative framework.

Is OSAGO more expensive for a person without a license?

If you choose unlimited insurance so that you can start using the vehicle without any problems immediately after receiving your license, it will cost about 80% more than a limited policy.

If you bought limited insurance and later wanted to add yourself to the list of drivers, you will have to pay extra, and the cost of compulsory motor liability insurance will also increase significantly. After all, for a driver whose experience is less than 3 years, increased coefficients apply.

Here is an example of calculating the cost of compulsory motor liability insurance for both cases:

Unlimited insurance. Basic tariff 4,118 rub. * territorial coefficient 1.7 * vehicle power coefficient 1.1 * coefficient for an unlimited number of drivers 1.8 = 13,861 rubles 18 kopecks.
Insurance with a limited number of persons. Basic tariff 4,118 rub. * territorial coefficient 1.7 * vehicle power coefficient 1.1 * coefficient for a registered driver with more than 3 years of experience 1.04 = 7,008 rubles 68 kopecks. Afterwards, when you get your license and include yourself in the policy, the cost of insurance will increase. And since you will have minimal driving experience, and the calculation is based on the most inexperienced driver, you will gain very little compared to unlimited insurance, no more than 10%.

Is it possible to register a car without a license in 2021?

The process of registering a car and registering it is carried out as follows:

Indicators	Description
A purchase and sale agreement is drawn up	or another document is formed on the basis of which ownership rights to the vehicle generally arise
Next, all other necessary documents are collected	—
Payment of state duty is carried out	this can be done in any way convenient for the citizen
An application for registration actions is being formed	on the basis of which such will be carried out
The application, along with a complete package of all necessary documents, will need to be submitted to the traffic police or another body that allows registration	—

It is important to prepare financially for vehicle registration in advance:

Indicators	Sum
Purchasing an MTPL policy	from 3.6 thousand rubles and more
Registration of a new vehicle registration certificate	500 rubles
Issuance of new registration numbers	2 thousand rubles (you can keep the old ones)
Making changes to the PTS	350 rubles

Standard nuances that you need to familiarize yourself with include the following:

the list of required documents is standard, but additional ones may be required;
there are a number of standard grounds for refusal to complete registration actions;
The process of registering a vehicle is carried out within the framework of the law.

According to the legislation of the Russian Federation, all categories of citizens, including those who have not reached the age of majority, can register a car as property.

However, in this case, the assistance of a legal representative of the child’s interests will be required. It is he who must contact the MREO with a ready-made package of documents described above. He also retains the right to sign on behalf of the child on all registration documents.

Is it possible to register a car for a minor child?

According to the legislation of the Russian Federation, all categories of citizens, including those who have not reached the age of majority, can register a car as property.

Attention! The participation of a legal representative is only necessary if the child is under 14 years of age. Citizens who have reached the age of fourteen retain the right to independently sign papers, but this will require the documentary consent of their relatives or guardians.

Expert opinion

Artemyev Dmitry

Experience as a forensic expert in the field of automotive technical examination for more than 2 years, more than 3 years of work in the field of insurance disputes, appealing guilt in road accidents.

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In the future, in order to carry out transactions of purchase or sale of a vehicle, the child will need written permission and a conclusion from the local guardianship authorities. Another important nuance is that if the car gets into an accident or in a situation that poses a potential danger to others, the official representative of the minor child, who made the decision on his behalf during the vehicle registration process, will bear full responsibility for what is happening.

Will it be possible to register a car for a person without a license in 2020?

To register a car at the traffic police department, it is necessary to submit the vehicle for inspection, therefore, in this case, the assistance of the driver will be required.

No additional documents will be required if the car owner himself participates in the registration of his own vehicle. And it is necessary to issue a power of attorney for the driver in the event that for some reason the owner entrusts all matters of registering the car with the traffic police to him.

New legislation today makes it possible to re-register a car without changing license plates . This way you can save a certain amount of money.

Changes in the rules have simplified the entire process of transferring a vehicle to another person. The car can be re-registered without deregistration . This is only required in the case of disposal or sale abroad.

The first step when buying a car is to draw up a sales contract. It is compiled in triplicate. One remains with the seller, the second with the new owner, and the third is transferred to the Interdistrict Registration and Examination Department.

The contract does not have to be certified by a notary . After this, the buyer’s data is entered into the PTS. The former owner keeps one copy for himself.

The purchase and sale agreement must include the following:

Date and place of its registration.
Full names of the parties, information about passport data or powers of attorney.
Subject of the agreement.
Car make, model, color, year of manufacture, VIN code and other data in accordance with the title.
Contract price, in numbers and words.
The procedure for executing the contract is the period when the transfer of money and car must occur. It is from this date that the ten-day period is counted, which is allocated by law in order to register the car.
All additional items, systems, documents that are transferred along with the machine.

An agreement is sufficient for registration with the traffic police, but it is important for the buyer that the seller draws up a receipt confirming receipt of money for the car.

It indicates the date, place where the money is transferred, from whom and to whom it is transferred, with their passport data, amount, signature with a decryption of the recipient of the funds.

An important point is to indicate correct and complete information in the PTS: