A motor vehicle liability insurance policy is a mandatory document, without which it is impossible to drive a vehicle. You can sign up for compulsory motor liability insurance at any insurance company, but it is recommended that you familiarize yourself with the tariffs first. In the event of an accident, all costs of restoring the car are paid by the insurance company.
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What is needed to obtain MTPL insurance for a car?
Taking out car insurance is a fairly simple procedure. To insure your car you need:
- choose an insurance company where compulsory motor liability insurance will be issued;
- collect the necessary documents;
- provide them to the insurance company, choosing the most convenient method.
The procedure for obtaining MTPL insurance is now standardized, so the set of documents and the fee for issuing a policy will not differ, no matter which insurance company you contact.
The cost of the service depends on the year of manufacture, make of the car and other factors.
After reviewing the documents and if there are no violations, a movable property insurance contract is signed. Let's take a closer look at what is needed to obtain an MTPL insurance policy.
Do you want to get insurance without additional services? Use our free service to select insurance.
List of documents for registration of an MTPL policy
To apply for a policy, you must write a corresponding application to the insurance company - a sample of filling out an application for concluding an MTPL agreement is provided.
Required documents to obtain car insurance:
- passed a technical inspection of the car (diagnostic card), this can be done at any service station;
- vehicle technical passport, car registration certificate, for a recently purchased car you need a title;
- ID card (passport);
- driver's license (you can get compulsory motor vehicle liability insurance without a license only when you take out a policy for an unlimited number of people);
- power of attorney - required when concluding an insurance contract for a vehicle that is not the personal property of the authorized person.
The application form for compulsory motor liability insurance is very simple; it contains all the data.
applications for compulsory motor liability insurance
It is also possible to apply for compulsory motor liability insurance without a technical inspection - this option is provided only for recently purchased cars.
Many people are interested in whether it is possible to insure a car without a driver’s license. This can be done provided that you take out a policy for an unlimited number of drivers; the cost of such insurance is 80% more expensive.
Documents for OSAGO renewal
The MTPL contract is concluded for a period of one year, after which the insurance must be renewed. To do this, you will need to provide a list of documents the same as for issuing a primary insurance policy:
- personal statement;
- identification document (passport);
- registration certificate or any other vehicle registration document;
- old OSAGO policy;
- driver's licenses for persons authorized to drive a car;
- car diagnostic card.
Since 2015, there has been a contract renewal service via the Internet.
Rules and procedure for obtaining an MTPL policy in 2021
The new rules for issuing an MTPL policy in 2021 require the implementation of several points of the plan, which everyone is recommended to adhere to in order to avoid wasting time and money.
Insurance application process in 2021:
- Choosing an insurance company.
- Submitting an application to the insurance company and collecting the other documents listed above.
- Contacting the insurance company.
- Registration and receipt of insurance in hand.
Rules for filling out the OSAGO insurance policy form:
- It is mandatory to check each clause of the contract for compliance in order to eliminate possible errors;
- the OSAGO form must contain the signatures of both parties, the date of conclusion of the insurance contract, and the seal of the insurance company;
- the insurance form must not contain corrections;
- You can fill out the MTPL policy both in paper and electronic form via the Internet.
After completing all the formalities, the applicant receives:
- a paper MTPL agreement with a seal, signatures of both parties and a special state sign;
- originals of personal documents;
- original or copy of the receipt for payment of services from the insurance company;
- insurance memo and MTPL rules;
- two copies of accident notifications, if there are not enough of them, you can contact the insurance company for additional copies.
When submitting an application via the Internet, the completed contract is sent by email; you just need to print it out.
How to choose the right insurance company
A lot depends on the choice of insurance company. The insurance market in the Russian Federation, and throughout the CIS, is quite dynamic, new companies constantly appear on it, while others, on the contrary, disappear. In general, the number of operating insurance companies is steadily decreasing. Therefore, the situation when a contract is concluded with an existing insurance company, which may become bankrupt in just a few months, is quite typical. In most cases, insured drivers do not know about the bankruptcy of their company, because it is unlikely that anyone will specifically monitor the insurance market and monitor the financial stability of their insurer. In the event that an insurance company is declared bankrupt and has lost its license for the corresponding type of activity, all obligations for compensation payments are assumed by the Union of Automobile Insurers. He has a special reserve fund, filled with funds from insurance company premiums. But in such a situation, as practice shows, payments can be received over a longer period than directly from the insurer.
There are many factors to consider when choosing a reliable insurance company. Firstly, it is advisable to refer to the official rating of Russian insurers, for which it is enough to type the corresponding search query on the Internet. But in practice, many ratings are created artificially, so, to be honest, the official rating does not inspire 100% confidence among Russian drivers. Secondly, you can refer to the national rating of insurance companies, which can be found on the Internet. Here the information is more plausible, but we should not forget that many reviews are bought for money, so the information in this case may also be biased. When conducting monitoring, it is advisable to find out who the founders of the insurance company are, familiarize yourself with its financial indicators over the past few years, as well as the percentage of insurance payments for incidents. The last parameter is very important. After all, not all insurance companies always pay compensation to victims of road accidents.
The national rating of insurance companies is compiled based on customer reviews
If for the first time the question arises about choosing an insurance company, then it is advisable to pay a visit to its representative office and ask to see a valid license for carrying out auto insurance, and familiarize yourself with the information about the percentage of insurance payments. If you have friends or relatives who insured their cars with this company, it wouldn’t hurt to find out their opinion. It will be especially useful to read the reviews of people who used the services of this insurer after being involved in road accidents. In this case, you should look for answers to three questions:
- whether compensation payments were made and in what volume;
- how quickly compensation was received;
- what is the service of the insurance company and how much its employees took part in providing legal and financial assistance to the injured persons.
It is believed that any insurance company that positions itself as reliable must operate stably on the Russian market for at least a decade. If during this time, having survived several economic crises, the insurer remains afloat and continues to fulfill its obligations, then such a company can be trusted.
The insurance market in almost all CIS countries can hardly be called transparent. For example, the Russian Union of Auto Insurers today includes more than fifty insurance companies, and another 6 have observer status. But as an example, we can say that during the economic crisis of 2009 alone, RSA lost 36 of its members, whose licenses were revoked, and the companies themselves were declared bankrupt. In such an unfavorable situation, the Union's reserve fund experienced a huge financial burden, since it had to fulfill all obligations for compensation payments to bankrupt companies. Therefore, the issue of financial stability of insurers should be taken more than seriously. Also today in the insurance market there are many fly-by-night companies created for certain commercial projects. Sometimes they can attract customers with promotions, dumping and expanded options for insurance contracts. But in practice, such companies disappear from the auto insurance market after a year or two. And all their obligations automatically fall on the shoulders of the same RSA. Russian car owners may encounter fake insurance contracts, of which there are many wandering around the country today. This could be a fake document printed in an underground printing house. It is very difficult to distinguish a fake from an original with the naked eye, especially when the original is not in your hands. Some become victims of deception, purchasing fictitious auto insurance policies, and some drivers do this deliberately, paying at best 40 percent of the cost of compulsory motor insurance. If a person is involved in a traffic accident and has a fictitious insurance policy, which he purchased, knowing that it was invalid, then in this case he is clearly a violator of the law. In addition to a fine for lack of compulsory motor insurance, he may be charged with using false documents.
In addition to ratings, there are also anti-ratings of insurance companies
What the new MTPL policy will look like
Today you can buy a new type of MTPL policy from any insurance company.
The new MTPL policy for 2021 looks the same as in 2018, the main difference is the expanded color range; lilac color predominates on paper.
Protection against counterfeiting on a sample insurance policy is provided in the following ways:
- two-layer printing with a contrasting background;
- complete font change;
- changing the form and location of watermarks on the new OSAGO policy form;
- RSA watermarks along the edges of the document;
- an image of a car in the center of the document, above it the inscription of the MTPL policy along the entire length of the line;
- QR code in the upper right corner.
insurance policy can be obtained on the Internet, as well as on our website.
insurance policy
The new OSAGO policy form in electronic form looks exactly the same as in paper form.
It should be remembered that when applying for insurance electronically, you must print out the E-OSAGO insurance policy for the car and always have it with you.
Price of the procedure
Changing the PTS is a paid service, but only a state fee is charged; at the traffic police department itself and on the State Services website you will not have to pay anything besides it. Now the fee is 800 rubles, but when registering through the State Services portal, a 30% discount is provided, so the fee will be 560 rubles.
Related article: How to refuse additional services when applying for compulsory motor liability insurance
Where is the best place to apply for compulsory motor liability insurance?
Today there are a large number of insurance options; many people choose where it is better to insure their car with an insurance company. Tariffs differ in different organizations; the type of vehicle plays an important role; it is cheaper to issue a policy for a passenger car in one place, but it is more profitable to insure a bus, a truck, or obtain a policy for a motorcycle in another.
First of all, you should pay attention to the ratings of insurance companies, whose prices can always be found online. If necessary, you can always ask your friends; forums are considered a source of useful information.
For many, the cost of services is decisive, which is not always correct. First of all, it is recommended to pay attention to the reliability of the company.
How to make car insurance cheaper
Every car owner wants to get OSAGO insurance cheaply, because often the cost of concluding a contract significantly hits the pocket.
There are several ways to get cheap MTPL insurance for your car.:
- choosing an insurance company with a low base rate;
- reducing the insurance period - this option is suitable if you need to use the vehicle for a limited period of time;
- use of the CBN discount for the absence of an accident;
- promotions when taking out 2 or more MTPL policies;
- adding yourself to the driver’s policy with at least 3 years of experience and at the age of 22;
- registering a car in a region with a low territorial coefficient.
In one of our articles, we have already indicated companies with low basic tariffs, which will help you get an OSAGO policy inexpensively.
How to choose a company for MTPL insurance?
Purchasing an MTPL policy is the responsibility of every driver, which is why it is so important to choose an insurance company that will provide the most comfortable conditions for cooperation. For many vehicle owners, the main criterion for selecting an insurer is its popularity and the presence of a large number of offices, but in addition it is recommended to pay attention to the following selection criteria:
- The amount of the company's fees and the payout ratio in relation to it.
- Average payout amount.
IMPORTANT
The higher the coefficient and the amount of payments, the higher the chance that the company operates as honestly as possible.
With the right approach to choosing a compulsory motor liability insurance policy, you can purchase insurance even in a small locality, and in the event of an accident, without any problems, contact the nearest branch of the company to compensate for losses.
Why can an insurance company refuse to insure a car?
The insurance company does not have the right to unreasonably refuse to issue an insurance contract; the legislation provides for administrative liability for this. However, today there are four reasons why an insurance company can legally refuse to sign a contract.
The reason for refusal may be:
- lack of connection with the automated SAR system;
- lack of a power of attorney when applying for insurance on behalf of a legal entity or individual entrepreneur;
- failed technical inspection of the vehicle;
- provision of an incomplete package of documents.
All other reasons are considered insufficient for refusal. An error in the policy is not grounds for denial of insurance. But it should be remembered that such a policy will be considered invalid upon presentation.
It is also possible to insure a car without a car; in other words, to obtain compulsory motor liability insurance, it is not necessary to provide the car for inspection. The insurance company has no right to refuse to conclude a contract in such cases.
Problems with registration of compulsory motor liability insurance often arise when insuring a taxi; the refusal of the insurance company in this case is also considered illegal.
Many car owners do not know what to do if they cannot insure their car. After receiving a refusal to issue an MTPL agreement, you must request written confirmation. Refusal may be given by a supervisor or authorized employee after a corresponding request is received.
Necessary actions:
- Writing an application requesting a written refusal.
- Endorsement of the application by the secretary.
The wait may take several days, after which a response should follow. It is also recommended to provide audio or video recordings as confirmation; the insurance employee must introduce himself in the recording.
It is recommended to write complaints to the company’s website, as well as to the portal of the Russian Union of Auto Insurers.
In what cases can you do without it?
The rules of many insurance companies state that the PTS is not a mandatory document that requires immediate provision when obtaining MTPL auto insurance. A vehicle passport must be provided in situations where the vehicle has not yet been registered with the traffic police. In this case, if the owner of the car does not have an STS, it is necessary to provide a vehicle passport.
Article on the topic: Features of compensation for damage under compulsory motor liability insurance in case of mutual fault in an accident
If the car is already registered and the owner has a registered STS, then the insurance company employees have the authority to issue compulsory insurance without providing a title (the STS acts as its full replacement).
Important! When providing car loans, some credit institutions ask new car owners to provide a vehicle title for storage while the loan is being repaid. After handing over the vehicle passport, the motorist does not physically have the document, but this does not prevent him from obtaining compulsory motor vehicle liability insurance from any Russian insurance company.
How to get a duplicate of the MTPL policy
In some situations, you may need to obtain a duplicate of your MTPL policy. This may be necessary if the form is lost or damaged. To obtain a duplicate of the insurance contract, you must submit a corresponding application to the office of the insurance company where the policy was issued.
You should have with you:
- driver license;
- diagnostic card;
- passport;
- vehicle registration document.
Usually, only the driver's license and passport of the insured person are sufficient, because using these documents you can find all the necessary information in the insurance company's database. But insurance agents have the right to demand a full package of documents for data verification.
The reissued policy must have an o or “Duplicate” on it.
What comes first: registration of compulsory motor liability insurance or registration with the traffic police?
In 2002, Russia adopted the Federal Law on Compulsory Motor Liability Insurance . According to Article 4 of this law, the owner of a vehicle has an obligation to insure his civil liability from the moment he acquires ownership of the vehicle. From the date of conclusion of the purchase and sale agreement, the owner is obliged to register the purchased vehicle within 10 calendar days. Is it possible to register a car without compulsory motor liability insurance? First, compulsory motor liability insurance is issued, and then the car is registered with the traffic police.
Failure to fulfill the obligation of vehicle owners to obtain civil liability insurance serves as grounds for refusal to register the vehicle.
Why won't a car be registered without a policy?
The answer is simple: lack of insurance is a violation of the law . To this we can add that receiving a document implies undergoing a technical inspection of the vehicle, that is, the car must be thoroughly checked by specialists from technical centers. Only after such a check can you obtain an MTPL policy.
Is a paper policy required?
Since mid-2021, changes have been made to the legislation of the Russian Federation (Order of the Ministry of Internal Affairs of Russia dated March 20, 2017 No. 139 “On amendments to the regulatory legal acts of the Ministry of Internal Affairs of Russia on the registration of vehicles”). It follows from them that insurance refers to documents that citizens have the right to submit on their own initiative.
If the car owner has insured his vehicle, but does not have a policy in his hands, then the traffic police officer must independently check this information.
Is it possible to apply for compulsory motor liability insurance in another region?
Registration of an MTPL policy in another city or region may be necessary in the following situations:
- travel or long business trip;
- moving to a new place of residence;
- presence of foreign citizens with an expiring insurance contract on the territory of the Russian Federation.
The procedure for issuing a policy is the same for all regions of the Russian Federation, so insurance companies cannot require anything new in this case. And denial of insurance in such cases is illegal.
To apply for compulsory motor liability insurance in any region, you must either go to the insurance office, presenting the agent with a standard package of documents, or issue an electronic policy via the Internet. At the same time, it is important to know that any person who actually drives the vehicle can take out car insurance, and the presence of the owner in this case is not necessary.
But it should also be taken into account that issuing a policy not at the place of registration does not mean that there should be no registration at all. Without permanent or temporary registration, it is impossible to conclude an insurance contract.
General information
In the Russian Federation, car insurance is mandatory. OSAGO is issued for the purpose of protection against costs associated with compensation for damage in an accident or damage to other cars. By law, every driver, including taxi workers, must have an insurance policy, otherwise they may be deprived of the right to drive a vehicle.
Insurance allows you to protect the owner of the vehicle from almost any situation. If an accident occurs due to his fault, someone else’s car is damaged, or the health of other road users is damaged, the company pays compensation.
OSAGO is issued for a period of up to 1 year. At the same time, the minimum period for which you can buy insurance inexpensively is 3 months. This option is available to drivers who use the car only during a certain season, plan to sell the vehicle soon, or are on the road for a long time, which is why they do not drive vehicles.
Is it possible to issue an MTPL policy in advance?
Some car owners prefer to take out a policy in advance, as this will help avoid its delay. Despite the absence of any restrictions in the law, not all insurance companies meet their clients halfway.
In any case, it is worth knowing that every car owner has the right to draw up a new MTPL agreement 30 days before the expiration of the policy. And many companies can approximately double this period on their own. Therefore, current information on early policy issuance should be clarified directly at the insurer’s office.
In addition, insurance companies offer an auto-renewal service, which is also quite convenient. In this case, the validity of the policy is extended by a month, during which it is mandatory to issue a new insurance contract.
Length and age - experience
The cost is also greatly influenced by the multiplier, which characterizes the driving experience, as well as the age of the person behind the wheel. Insurance companies especially do not trust young drivers who have just started driving. Moreover, the sooner a person becomes a driver, the sooner he will accumulate the required number of years for the discount.
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Necessary documents for registration of compulsory motor liability insurance
In order to purchase an MTPL policy, you must have the following documents with you:
- Vehicle passport.
- Driver's license.
- Identification.
- Diagnostic card.
- Statement.
If the operation of the car is carried out under a power of attorney, then you will need to present to the insurers a valid document confirming the right to dispose of movable property. When insuring a legal entity, instead of an identity card, the insurer is presented with a certificate of registration of the LLC.
Is the online version cheaper than a paper policy?
The price of insurance does not depend on the method of its registration. The rules are the same and apply to all methods of purchasing a policy.
And yet, by choosing e-OSAGO, you can get a cheaper electronic policy from the same company, where the regular version of insurance would result in additional expenses. The point is the additional services that insurance managers actively push when contacting the office. When you buy a car policy online, no one can convince you to pay for anything other than the insurance itself.
Power of attorney for registration of compulsory motor liability insurance
If the car is not driven by the owner of the vehicle, then it is absolutely not necessary to involve the owner of the car in order to issue an MTPL policy. In this case, it is enough to issue a power of attorney for the driver, after which the procedure for purchasing a policy is carried out according to the standard scheme. Many insurance companies require mandatory notarization of such a document.
Additional Information
In order not to waste a large amount of time, it is recommended to first call the insurer’s office and find out in detail the conditions for issuing an MTPL policy by proxy.
What influences the price of a policy?
There are several aspects that can influence the cost of insurers' services. There are many such factors.
Including:
- the area in which the vehicle is planned to be used;
- age category of the citizen insuring his liability;
- experience as a driver;
- car engine power;
- data on the personal statistics of a particular person (meaning insurance history);
- period of validity of the document.
To make calculations under the specified act, the method of multiplying correction factors is used. Using these indicators, the base value increases or decreases. With the help of independent calculations, you will be able to find out in advance how much you will have to pay for the provision of insurance-type services.
ATTENTION !!! It should be noted that currently you can use an online calculator. It will help the citizen understand how much money he will have to pay to obtain the policy.
According to current legal provisions, it is established that insurance companies have the power to change tariffs. They can only do this once during the annual period. However, in this direction a fixed range is used, which does not allow setting a value less or more than the permissible one. The limits are reflected in federal legislation. The important point is that all companies apply equal ratios. They change depending on the type of vehicle used. In addition, the purpose of using the machine also affects. You need to understand that the price can not only increase, but also decrease.
Registration of compulsory motor liability insurance online
Every vehicle owner can take out a compulsory motor liability insurance policy without leaving home. To do this you need:
- Go to the official website of the insurance company and register on it.
- Receive an email with a password to log into the site.
- Log in to your personal account using your password.
- At the next stage of purchasing an electronic policy, you should select the region of registration of the car owner.
- A special form indicates the car’s engine power, driver’s license number, total driving experience, as well as the full name of the car owner.
- Next, you should indicate the VIN and registration number, make and year of manufacture of the car.
- At the final stage, complete information about the owner of the car is entered.
- Next, you must agree with the rules for issuing an electronic MTPL policy, after which the data will be checked using the RSA database.
After step-by-step completion of the above steps, you will be redirected to the payment page, where you can select the most suitable option for transferring funds to the organization’s account. After completing the transaction, the policy will be sent to the email address specified when registering on the company’s website.
