How long can you drive under a sales contract without insurance in 2021?

Let's start with the basics - what are the consequences?

Sales and purchase agreement (PSA),
car acceptance certificate,
receipt for receipt of funds.

These 3 documents secure the transfer of ownership. PrEP has no statute of limitations - this is the first thing you need to know. The purchased property remains yours once and for all, regardless of whether it is registered with the traffic police or not. That is, the very phrase about the contract being valid for 10 days is incorrect.

The purchase and sale agreement is drawn up in at least three copies:

for the buyer;
for the seller;
for MREO traffic police.

Registration of a car with the traffic police is necessary to allow the car on Russian roads.

Any vehicle model (a batch of cars imported from abroad or even an individual car) must meet the requirements of the Technical Regulations. If the manufacturer confirms compliance with the regulations, then he receives a “Type Approval”, on the basis of which a passport is issued for each car. The driver presents the PTS to the traffic police, the car is registered, and the driver is given a vehicle registration certificate.

Thus, it is the STS that confirms the safety of the car. There is no certificate - you cannot drive on the roads of the Russian Federation in this car.

How best to drive on PrEP in the first 10 days

Despite the fact that you can drive without restrictions for ten days after purchase, it is better to know a few rules:

Carry the contract with you so that the inspector does not reveal the complete absence of any documents confirming ownership. This is a basic rule that will help save a lot of time;
for greater confidence, you can always have printouts of the articles of the Federal Law “On Compulsory Motor Liability Insurance” with you;
There is temporary insurance, which will be a good solution for those who do not have the opportunity to purchase a full policy right away.

Legal right to travel for 10 days without compulsory motor liability insurance and registration - is it possible?

This period has been specified since time immemorial in paragraph 1 of the Basic Provisions for Vehicle Admission - 10 days. This period is necessary for passing a technical inspection, concluding a compulsory motor liability insurance agreement and, in fact, registering.

Does it matter whether it's a new or used car?

Alas, for some traffic police inspectors, the source of law is not legislation, but the Internet and the media, where 95% of information is reposted. In addition, seeing a car leaving a car dealership, unscrupulous police officers begin to itch - a client with money and without state registration plates can become a gold mine.

That's why some inspectors are looking for pseudo-grounds to impose fines on drivers.

For example, they are trying to prosecute drivers of newly purchased new cars under Article 12.1 of the Code of Administrative Offenses for lack of registration, because all over the media on New Year’s Day it was trumpeted that dealers now ensure the registration of cars themselves, and when leaving the car dealership, the driver must have an STS. In fact, dealers received only the right to register cars, but not the obligation.

The same applies to the lack of state registration plates (GRP) on new cars. If the car dealership has not registered the car, then you can drive without license plates for 10 days, referring to the same paragraph 1 of the Basic Provisions of the Traffic Regulations.

Used vehicles must have registration plates in place. When a new vehicle is first registered, it is assigned a registration number and issued with appropriate registration plates. The car is subsequently sold with them.

And if a newly purchased used car does not have license plates, then a fair punishment will follow under Part 2 of Article 12.2 of the Code of Administrative Offences.

Thus, you are allowed to travel in an unregistered vehicle for 10 days. However, careless inspectors during a “divorce” can confuse drivers with the assertion that changes have been made to the laws, but they did not have time to introduce them to paragraph 1 of the Basic Provisions.

Here are links to official laws:

The Law on Vehicle Registration - clauses 1 and 3 of part 3 of Article 8 directly states that without registration you can drive for 10 days under the DCT - more precisely, after the date of purchase of the car specified in the contract,
in the law on compulsory motor liability insurance – part 2 of article 4,
There is no such information in the law on technical inspection.

Based on the results of the technical inspection, the driver is issued a diagnostic card. A car older than 4 years must have one. And, if you buy a car second-hand, be sure to pick it up from the seller. If a paper copy was not issued after passing the technical inspection, then write in the DCP that the seller guarantees the availability of a valid diagnostic card in electronic form.

Firstly, you will once again make sure that the car is “clean”, because at least during the technical inspection the VIN number is checked.
Secondly, make sure the seller is honest. Krohobor saves not only on maintenance, but also on spare parts, operating fluids, and so on.

What to do if the traffic police fined you?

For example, the traffic police inspector refers to paragraph 2.1.1 of the traffic rules, according to which the driver must, among other things, have a vehicle insurance policy and a compulsory motor liability insurance policy. And if they are not there, impose a fine!

There is a remarkable decision of the Supreme Court AKPI12-205 dated April 17, 2012, which clearly states that 2.1.1 of the traffic rules is not valid in terms of compulsory motor liability insurance for newly purchased cars for 10 days. At the same time, take a look at Resolution No. 12-AD13-3 dated January 21, 2014.

As for the registration certificate, when purchasing a used car, the seller is obliged to transfer it to the buyer.

When driving a new car, instead of the STS, it is enough to present the DCP. The agreement confirms the legality of management. It contains the PTS number, the authenticity of which the inspector can verify by making a request. And since the PTS was issued, the car is allowed on the roads of the Russian Federation, and it is safe to drive. If a paper PTS was issued for the car, then it is better to take it with you and present it to the traffic police inspector in order to reduce the time of communication with him.

In general, there is no direct obligation to carry both the DCP and the vehicle passport. But then be prepared for the fact that you will receive a fine. And, if the traffic police officer still makes a decision, then you can and should appeal it, having already submitted all these documents to the person considering the case - the judge or his boss.

How to apply for compulsory motor liability insurance after purchasing a car

The safest option for obtaining a policy is to visit the official office of the insurer.
It is recommended that you contact staff in advance to ensure that the appropriate forms are available. If the driver is very busy, he can seek the services of an insurance broker. If the client wishes, he will arrange everything himself and bring the documents to the specified place. Although it can take a lot of time to find a responsible broker. Many scammers offer cheap policy prices. As a result, the driver receives a fake document. It would be a good idea to contact a representative of the insurer to make sure that he really has this employee. A responsible specialist will help you get the policy as quickly as possible.

( Video : “Is it possible to drive without compulsory motor insurance after buying a car?”)

After choosing an insurance company, you must provide the necessary package of documents. In this case, you need to make sure that the car passes inspection. Otherwise you will need to go through it. When you come to the insurer's office, you need to present documents, which should include a corresponding statement. It is drawn up on a special form, which can be obtained from a company employee. Then you will need to pay for the registration service. Some companies offer to do this on site. Although there are also insurers whose services are paid through a bank branch. After receiving the policy, it is recommended to check the information specified in it. The driver should also familiarize himself with the following recommendations:

Carefully read the rules of the company you decide to contact. It is possible that serious shortcomings will be discovered here.
Write down your insurer's phone number. As a rule, such companies have special departments designed to support customers in case of road accidents. If an incident occurs on the road, the driver will know where to go.
As a rule, the insurer issues all the necessary forms that are intended for registration of an accident. They are issued along with the policy. It is recommended to always carry such documents with you.
The responsible employee of the company attaches the original receipt to the policy, which confirms payment for the insurance. If it is not provided, payment may be refused.

It must be remembered that this document is a guarantee that all victims of an accident will be compensated for material damage. In addition to the vehicle title and the applicant’s passport, the insurer must present a diagnostic card. It is this document that confirms that the car is fully operational and can be used. Some companies are expanding the list of documents. Therefore, it is recommended to find out the necessary list in advance.

What is the cost of compulsory motor liability insurance in 2021

Upon receipt of the policy, you will have to pay a certain amount. But for each individual case it is different. So, the cost is influenced by various factors:

type of equipment;
engine capacity;
purpose;
owner's driving experience;
region of registration;
the number of accidents the car has been in;
year of manufacture of the equipment;
policy period.

It is worth noting that tariffs are determined by law, so they are fixed. To find out the cost of obtaining a policy, the driver just needs to call the insurance company, providing all the necessary information. You can also use the Internet for this. There is a special calculator on the RSA portal. By entering his data here, the driver instantly receives the insurance cost. Thus, it is possible to find out in advance how much you will have to pay to obtain the policy.

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Registering with the traffic police later than 10 days - how to avoid a fine?

For example, during self-isolation, access to the registration department of the traffic police and the exact time of vehicle registration is possible only through State Services. However, the registration date provided by the site is such that the 10-day period may be missed.

But, to be honest, in many departments and on ordinary days, the registration happens later than 10 days later, and you can simply miss the deadline without a fine for this reason.

For missing the registration deadline, a fine is imposed under Article 19.22 of the Code of Administrative Offenses. And in this case, the event of an offense takes place - it is stupid to deny it. But there is no corpus delicti, since there is no guilt in the driver’s actions. It is not the driver’s fault that when he tried to get a place in the registration queue on the day of purchase, he was assigned a day outside the ten-day period.

However, if the seller and the buyer are adequate people, then the purchase and sale agreement can always be rewritten to meet the allotted deadline, and it is best to come together for re-registration immediately on the day of the purchase and sale transaction.

What if the car is not running?

There are two options here.

If you bought a damaged car and its repair will take quite a long time - more than 10 days after the date in the contract, then do not rush. The statute of limitations for the offense under Article 19.22 of the Code of Administrative Offenses is 2 months from the date of the DCT. Outside this period, no one will be legally held accountable.
Before registration, it is necessary to undergo a number verification, that is, the inspector compares the data in the title and the actual numbers of components and assemblies on the car. At the same time, it visually identifies the presence of malfunctions for which the operation of vehicles is prohibited. If there are no visible faults and the car is not drivable, then you can bring it for registration on a tow truck.

Something else useful for you:

How to file a complaint and restore the registration of a car if it was terminated by the State Traffic Safety Inspectorate?
Is it possible and how to buy a credit car correctly?
The transport tax has not arrived - what should I do?

When can you drive without insurance?

Federal Law No. 40-FZ of April 25, 2002, amended on December 29, 2017, in Art. 4 clause 3 provides for cases in which registration of compulsory motor liability insurance is not required.

You own a vehicle whose maximum speed is limited to 20 km/h.
The driver drives a vehicle registered in the Armed Forces of the Russian Federation.
The car is registered abroad and insured by an international insurance system.
The vehicle moves with the help of non-wheeled propulsion systems: sleds, caterpillars, etc.
I own a trailer for a car.

If the vehicle was inherited, insurance must be obtained no later than 10 days after the person became the full owner of the car.