How is OSAGO issued for foreign cars in Russia?

In what cases does a foreigner need compulsory motor liability insurance in 2021?

Having studied Federal Law 40, one can understand that compulsory motor liability insurance for foreigners is only necessary if the motorist will drive a car on public roads throughout the entire territory of the Russian Federation.

You should buy protection:

• when crossing customs;
• in advance, via the World Wide Web.

Important! Within the framework of the law, a foreign driver can buy compulsory motor liability insurance for up to 15 days. This is suitable for those who plan to cross the border and then not drive the car.

How long does it take for a foreigner to obtain a car insurance policy?

Foreign drivers can travel on the territory of the Russian Federation if they have an international Green Card policy. You can buy protection in your region of residence.

As for compensation, within the framework of the product, the insurance organization compensates the costs of the culprit associated with restoration repairs in the event of an accident.

If the protection form is not issued, then the foreigner is obliged to buy a motor vehicle license before crossing the border, as mentioned above. On the territory of the Russian Federation it must be insured.

Is it necessary for a foreigner to obtain a motor vehicle permit in the Russian Federation?

Any foreign citizen who wants to travel around the Russian Federation in his own car is required to take out a compulsory motor liability insurance policy. Insurance is required, even if it crosses Russia in transit, within 1-2 days . This is necessary, since both a foreign driver and a Russian can get into an accident with equal probability.

There are two exceptions to the rule when you do not need to insure a foreign car in the Russian Federation:

1. The car belongs to an employee of a foreign diplomatic department.
2. The car has an international car insurance policy - the so-called “Green Card”. It operates on the territory of 48 countries that ratified the London Treaty of 1949. These are all European countries, four Asian and two African countries. Included in the coverage area of ​​the Green Card and the Russian Federation.

How much does MTPL cost for a foreigner: calculator

Speaking about the cost of the contract, it should be noted that it depends on the terms of insurance. When calculating the insurance premium, companies take into account the basic indicator, which is determined by the type of car and correction factors.

To calculate the exact price, you must use the calculator on the portal.

It is enough to indicate:

• the policyholder is a foreign citizen;
• period of insurance coverage;
• type of vehicle, indicating make and model;
• number of horsepower;
• details of all approved drivers.

Important! Since all insurers are required to issue compulsory motor liability insurance, based on the results of the calculation, a foreigner will be able to receive an offer from several insurers at once. After studying them, you can make a choice and begin the registration procedure.

Approximate cost of MTPL, for:

• 15 days – 3,200 rub.;
• 1 month – 4,800 rub.;
• quarter – 8,000 rub.;
• six months - 11,150 rubles;
• 1 year – 15,900 rub.

If a foreign driver buys insurance for a period of less than a year, it will not be possible to renew it by making an additional payment. In such a situation, you will need to reselect the term and pay. If the driver stays in the Russian Federation for a year and signs a contract for a month, the result will be a large overpayment. This is the only disadvantage of obtaining a motor vehicle license for foreigners.

Obtaining travel insurance for foreigners to Russia

1. The registration procedure for foreigners may seem easy, but there are many pitfalls: Insurers often take advantage of foreigners’ ignorance of their rights and impose additional services on them.
2. The cost of an MTPL policy for foreigners is higher than for Russian citizens.
3. Some insurers simply refuse insurance to foreigners.

As a result, most foreign citizens decide to buy international insurance in their own country to avoid facing the above problems. But if a car owner from Russia or any other country is faced with injustice, he can contact the following supervisory authorities:

• FAS (antimonopoly service);
• RSA (Union of Auto Insurers);
• Central Bank of Russia;
• Rospotrebnadzor.

These organizations have sufficient powers to investigate violations of rights against foreign citizens.

The most important thing you need to know is that any car owner who enters the territory of our country must have an MTPL policy. The exception is for foreign citizens who have valid international Green Card insurance. This is the only document that allows free movement without obtaining a motor vehicle license.

This is the law; you cannot drive on our roads without such a policy. It is required to issue compulsory motor liability insurance for foreigners both in case of a long stay in Russia and for transit through our country. If a Russian resident purchased a car abroad, but intends to drive it in Russia, without changing the place of registration, then he is also required to draw up a compulsory motor liability insurance agreement.

In order to legally obtain car insurance, you can contact a large insurance company, and also issue a policy right at the border. The main thing is to be careful, since at the border the price for a document can be inflated, and outright swindlers can work there. The cost of compulsory motor liability insurance for foreigners should not differ significantly from a standard policy, and the following documents will be required for registration:

1. All documentation for the car, with a translation certified by a notary.
2. International passport of the car owner.
3. Driving license, also in translated form.

If OSAGO needs to be issued to a legal entity, then it is necessary to provide a power of attorney from the company, which is certified by a seal.

In order to issue an MTPL policy, you must have a technical inspection certificate. This coupon must be from the state in which the vehicle is registered. At the same time, like all documents, the coupon must be translated into Russian and certified by a notary office. However, if we are talking about renewing or purchasing a Green Card, a coupon is not required.

The cost of the policy varies depending on the region, the period for which the policy is issued, as well as the performance of the car, including engine power. For example, the cost of compulsory motor liability insurance for one year for a passenger car is 1980 rubles. This indicator is multiplied by coefficients. The situation is more complicated with trucks and buses. There the value of the carrying capacity and the number of seats is added. For trailers, it is taken into account which vehicle they are intended for.

According to the legislation of the Russian Federation, no special company permits are required. To apply for and receive an MTPL policy, a foreign citizen has the right to contact any insurance company from the RSA register. For convenience, many insurers open crossing points right at the border so that arriving citizens can immediately take out a policy. Many large companies have their branches outside the country, so foreigners can safely fill out all the necessary documents even before arriving.

The law states that compulsory motor insurance for foreign citizens is as mandatory as for persons permanently residing in the Russian Federation. All drivers driving vehicles on the roads of our country need a policy. The lack of Russian registration or residence permit does not eliminate the need for a motor vehicle license.

A citizen of another country will need a policy in the following cases:

• Long stay in the Russian Federation;
• Transit of a foreign vehicle;
• Operation of a car purchased abroad without changing the place of registration.

Registration of compulsory motor liability insurance for foreign cars in Russia is not necessary only if it is a vehicle used by diplomatic representatives or consuls of other countries. In any other situations, to drive a car in the Russian Federation, the driver, regardless of citizenship, will need a policy.

Where can I apply?

A car enthusiast who does not have Russian citizenship can buy a policy in any way convenient for him. Where to buy:

• Outside the Russian Federation. You can buy an MTPL contract or a Green Card at the insurer’s office at your place of residence.
• When crossing the border. It should be noted right away that buying OSAGO in this way is a big risk. There is a possibility that the insurer's office will not be represented at your place of residence. As a result, you will not be able to claim a loss in the event of an accident or contact the office with another question.
• On the territory of the Russian Federation. This is the most popular insurance option. However, there is a risk of getting a fine while the driver gets to the office from the border.
• Through the Internet. The most optimal registration option, which saves personal time and allows you to choose an insurance company that will definitely be at your place of stay. We will look at how protection is provided via the Internet below in our article.

How to apply for compulsory motor liability insurance for foreign cars in Russia

As in most countries, in Russia it is mandatory to insure motor third party liability. Moreover, everyone, both Russians and foreigners, should do this. The procedure for obtaining MTPL insurance is the same for everyone, whether the car has Russian license plates or foreign ones.

The following cases exist for this option:

1. A citizen of another country plans to stay in Russia for a long period of time, and also plans to move around the territory using vehicles registered abroad.
2. A citizen of another state plans to transit his car through Russia.
3. A citizen of the Russian Federation plans to purchase a car abroad and drive it around Russia without changing registration.

As an exception, there can be only those situations when a “green card” is issued while moving around Russia. The Green Card gives car owners the right to enter Russia without taking out an additional insurance policy. There is also no need for compulsory motor liability insurance when the car is registered to a consulate or embassy.

The main problems with registration of compulsory motor liability insurance for foreign citizens and ways to solve them

When insuring motor third party liability, foreigners face various problems. Let's look at what difficulties arise and how to deal with them.

Problems when buying a car license:

1. Refusal to provide the form. When applying in person, insurers often refuse, citing the lack of forms for this category of citizens. It is worth understanding that the form is the same for everyone and does not depend on the status of the policyholder and the type of contract. If you receive a refusal, you must file a complaint with the RSA or the Central Bank.
2. Additional services. As practice shows, foreigners do not know Russian laws. This is used by insurance managers who, in addition to compulsory motor liability insurance, draw up a life insurance contract. You should refuse the product upon checkout or 5 days after receiving it. In this case, you can save several thousand.
3. Unlimited contract. This category of drivers, as a rule, buys protection for a short period. Companies make an insurance policy unlimited for the number of drivers. This is necessary in order to borrow more money. The driver can save 80% if he insists and signs the driver in. This right is specified in the rules. If you are refused, you can safely write a complaint.

Where can a foreign citizen apply for an MTPL policy?

The use of foreign vehicles on the territory of the Russian Federation is impossible without purchasing a form protecting the driver’s liability to third parties. The procedure for purchasing a policy for a foreigner is no different from purchasing a “motor citizen” for a Russian. Consequently, insurance in Moscow, St. Petersburg or any other city will be available to everyone under the same conditions.

As we said above, a foreigner can purchase insurance upon entering Russia. But often the prices in such places are inflated compared to the official branches of insurance companies. To save time, non-residents have the right to buy compulsory motor liability insurance online, which is no different from a paper form.

Remote purchase is possible after registering on the website of the selected insurer. For foreign citizens, electronic MTPL is purchased on the same principle as for Russians; you need to send scans of the required documents, pay the insurance premium and receive the form by email.

Registration procedure

To save money and time, we offer to issue compulsory motor liability insurance for a foreigner via the Internet. To do this you will need:

• Make the calculation using the calculator on the portal. Select a financial company from the proposed options and click register.
• Go to the official portal of the financial institution and register. You will need to provide personal information, phone number and email address.
• In the client’s personal account, confirm the conditions for compulsory motor liability insurance.
• Fill out all sections of the electronic application: indicate the details of the owner, drivers and the car.
• Wait for the results of the verification and registration on the unified RSA website.
• Check the E-OSAGO template and, if the information is correct, sign with the code that will be received in the SMS message and pay.

Documentation

It doesn’t matter which method of drawing up the contract you choose, you will need documents to receive the contract. You should prepare:

• passport of a foreign citizen or other document to establish identity;
• document for the car to confirm ownership;
• driver license.

Important! As for the technical inspection form, it is not requested, even if 3 years have passed since the vehicle was released.

Advantages of registration through our website

Many foreign citizens actively purchase protection on our portal. This popularity is due to numerous advantages.

Pros:

• the portal cooperates only with reliable participants in the insurance market;
• for each client, offers are selected only from companies whose offices are located at the place of residence of the insured;
• the client himself decides for how long to buy the form and who to allow for management;
• we do not push unnecessary products;
• the site works constantly and, if desired, a foreign citizen can always get advice from our expert;
• You can make payment under the agreement by card;
• there is no need to contact the office to show documents and the car, since the entire insurance procedure is completely remote;
• every car enthusiast can save the calculation, think a little and after a while make a purchase;
• You can purchase protection even while outside the Russian Federation.