Taking out car insurance via the Internet: types of policies, how to insure via the Internet

Briefly about OSAGO

OSAGO makes it possible to pay for breakdowns of another car and damage to the driver’s health in a traffic accident using the insurance company’s funds. You can protect your own car and your health voluntarily using a CASCO policy. OSAGO, in contrast, is a mandatory document to obtain.

During the trip you need to have

take the policy with you, along with your driver’s license and other documents. It is prohibited to drive a vehicle without compulsory motor insurance. The law allows 10 days for its registration for a new car without license plates. If the owner of the car, who did not manage to obtain compulsory motor liability insurance, gets into an accident, then he will pay for all the damage himself. Therefore, it is more profitable to obtain insurance as quickly as possible.

Is it possible to issue MTPL for a car without license plates?

By law, every new owner is required to register the vehicle with the traffic police. The procedure takes 10 days from the date of signing the contract with the seller. When determining whether it is possible to insure a car without license plates, you must remember the general rules of compulsory motor insurance and operating the car without any negative consequences, and if the deadlines are not met, the motorist will be fined. Regarding the MTPL policy, slightly different rules apply, because in addition to the fine for driving without insurance, the driver runs a serious risk in the event of an accident - the damage caused will have to be paid out of his own pocket.

Under the standard procedure, the policy requires the registration data for the vehicle, however, in the case of a car without mileage, it will not be possible to enter the data due to the absence of any numbers. After the traffic police registers the new car, the car owner will have to contact the insurer again and reissue the policy, adding information about the license plate number.

The registration process for a new car is no different from regular car insurance, with the exception of an important feature - to conclude a contract, you will have to visit the insurance office without fail, since e-OSAGO for vehicles without mileage is not available due to the lack of data in the unified RSA information database.

Features of insuring a new car from the showroom

Large car dealerships cooperate with one or more insurance companies. Sellers can offer their client to take out a policy for a new car without license plates immediately at the time of purchase. In this case, you actually have no choice and must agree to the price and conditions of compulsory motor liability insurance that will be set for you. Another option is to choose a company, prepare documents and visit its office yourself. In this case, you have the opportunity to study reviews, calculate the cost of the policy in different organizations, and think about what additional services you need.

It is important to know! The decision on where to take out MTPL insurance for a new car is made by each driver independently. Unscrupulous sellers in salons may insist on purchasing a policy from them, citing the fact that you cannot go anywhere without it. Don’t believe this: within a period of up to 10 days, you have the right to go elsewhere.

Obtaining insurance at the salon

Most dealers offer to issue MTPL for a new car at the same time as purchasing it. Some even argue that it is mandatory to purchase a “car citizen” in the salon.

If the service is not needed, if such a situation arises, you should tell the seller about the illegality of his actions and his intention to buy insurance from another company. If the manager does not agree with this decision, you can send a complaint to Rospotrebnadzor.

In some cases, mandatory registration of a policy may be one of the conditions for purchasing a certain car on credit. This item is indicated in the proposal. As a rule, in such situations, it is proposed to make a purchase on credit from a certain bank and conclude an insurance contract with a specific company.

In most cases, such requirements are made regarding CASCO policies.

Required documents

Before submitting documents, be sure to check their expiration dates. An ordinary citizen, that is, an individual, needs to provide:

passport;
diagnostic card (if available);
driver's license;
vehicle registration certificate (if any);
technical passport of the car;
statement.

Legal entities are required to present:

diagnostic card (if available);
vehicle registration certificate (if any);
technical certificate;
organization seal;
power of attorney from the organization giving the right to represent its interests;
certificate of state registration of the organization;
TIN;
extract from the Unified State Register of Legal Entities.

Is it possible to issue a compulsory motor liability insurance policy in 2021 without having numbers?

Yes, sure! Since the current legislation, in principle, provides for the possibility of operating a car without registration plates, and at the same time obliges the car owner to purchase a compulsory motor liability insurance policy within the period established by law, the possibility of making compulsory motor liability insurance without license plates is logical and is required by law.

In particular:

a new car from a car dealership may be without license plates and a registration certificate, while in order to register its owner, an MTPL insurance policy is required,
also, a vehicle that was previously deregistered by the State Traffic Safety Inspectorate may not have a license plate (due to loss, export abroad, and so on).

Meanwhile, in the policy form officially approved by the Bank of Russia there is a corresponding column for entering registration marks.

Does this mean that they will refuse to sell you an insurance contract if you do not have a state registration number? Of course not, this is not a legal basis for refusal.

However, the 2021 legislation does not provide for a direct opportunity to issue an MTPL policy for a car that does not have a license plate number.

But the car owner has the legal opportunity to simply not indicate the license plate number in the application for concluding an MTPL agreement if they are absent due to the lack of state registration of the vehicle. This opportunity is provided by clause 1.2 of the OSAGO Rules.

If it's a new car without STS

It was for new cars that legislators prescribed the existing standard given above. Having looked at the official interpretation at the link above, you can see the fragment “... if the vehicle has not passed state registration” - that is, until the very first registration of the car - new from the showroom.

This is exactly the case when the license plate code does not need to be included in the MTPL policy for a new car on completely legal grounds.

But here lies another problem, as many car enthusiasts believe. The fact is that we are accustomed to the fact that in order to conclude a car title agreement, one of the documents requires a car registration certificate. And they issue it to the traffic police after registration. Is it possible to issue compulsory motor liability insurance in this case both without numbers and without STS?

Of course you can. The 2021 legislation provided for this situation as well.

To be more precise, paragraph 3 of Article 15 of the Law on Compulsory Motor Liability Insurance prescribes a registration certificate as one of the documents required for issuing a policy. However, the same paragraph indicates that if the car is not registered with the traffic police, then a title will be provided.

If a used car is deregistered

Here, in practice in 2021, things may be a little more complicated. Indeed, the car may not have registration plates, even if it is not new from the showroom. These cases are few:

a car may have no license plates after registration has been terminated due to loss,
as well as in connection with export abroad (if transit license plates are not assigned),
if the car is deregistered at the initiative of the traffic police due to violations of the registration procedure (for example, if changes are made to the design that are not registered with the traffic police).

But the law is on your side in this case. In particular, the Insurance Rules state that compulsory motor liability insurance is issued for a car without license plates if it has not passed state registration. But a car with ceased registration or deregistered falls precisely under this criterion - it must undergo registration. Actually, for this you need a valid MTPL policy.

Therefore, even if the car was previously registered with the traffic police, and then was removed along with the seizure of license plates, it is still possible to obtain compulsory motor liability insurance for it without registration marks.

Calculate the cost of MTPL insurance

Registration deadlines

You have the right to drive a new car without MTPL insurance for 10 days. If you are stopped by a traffic police officer at this time, you can show him the purchase and sale agreement as proof that the permitted period has not yet expired.

It happens that a newly purchased car needs to be driven to another region and registered there. There is no point in applying for compulsory motor liability insurance on the spot, but the trip may take more than 10 days. In this case, it is possible to order a transit policy. It is issued by all companies for a period of 20 days. Sometimes another person is involved in the driving; in this case, you can obtain insurance by proxy from the owner of the car.

Attention! Upon registration, the driver is given temporary transit license plates. On sections of roads between regions, inspectors check cars more carefully and look for violations, so it’s worth taking out such insurance for driving so as not to worry. Its price is about 20% of the full cost of the policy.

How to get insurance and what will be written in the license plate field?

Everything is very simple! You, just as if you had license plates, contact the insurance company (in person or purchase an electronic policy via the Internet), and in the application for concluding an MTPL agreement, simply leave the field where you need to enter the license plate blank. On some insurance company websites, when applying for insurance, you can select something like “no registration plates” or “vehicle was not registered.”

Please note that in the Insurance Rules, as you have seen, it is written about an application for concluding a contract. In most insurance or insurance agent offices, however, you won't even need to fill out an application - they will fill it out for you and give it to you to sign. Just be sure to check the authenticity of all entered data about you and your car, as in some cases this can lead to recourse.

In addition, instead of STS, if you do not have one, as we indicated above, you provide PTS.

What documents are needed to purchase a policy?

In our case, we will need the following set of documents:

PTS (instead of STS, since we issue an MTPL policy without numbers and, accordingly, a registration certificate),
application for concluding an agreement (they can fill it out for you - except in the case of electronic insurance, and will give it to you to sign),
passport,
driver’s licenses of all persons included in the policy (or the owner, if the insurance is unlimited),
diagnostic card (not needed for a new car under 4 years of age),
document on the ownership of the car (purchase and sale agreement) - this is also not always required, but it is better to take it with you when you go to the insurance office.

All these documents are provided for in paragraph 3 of Article 15 of the Federal Law on Compulsory Motor Liability Insurance. Please note that the insurer has no right to demand documents not from this list.

Is it possible to buy electronic insurance online?

Yes. As we already explained above, in this case you simply leave the field blank on the insurer’s official website where you need to enter the license plate number of the car, because you don’t have them.

As a result, you will also have a policy with a dash in the corresponding column.

Here is an example of the corresponding field when registering for compulsory motor liability insurance online on the official website of the Rosgosstrakh company:

As you can see, instead of entering the license plate number, you can check the box indicating that the vehicle is not registered

Cost calculation

The price of an MTPL policy is the base rate and coefficients. The tariff is set by the Central Bank. This is a corridor, and within its limits companies set their prices. In 2021, the interval is 2746 - 4942 rubles. The price of insurance depends on the type of transport, the age of the owner and other factors.

The formula for calculating the price of compulsory motor insurance looks like this: base rate x Kt x KBM x Kvs x Ko x Km x Ks x Kpr x Kn, where the coefficients are deciphered:

Kt is the territory coefficient, different for each region.
KBM - bonus-malus coefficient, a discount for accident-free driving, may increase in case of accidents.
Kvs - coefficient of age and experience, discount for driver experience.
Ko is the limitation coefficient, which increases if many drivers are included in the insurance. For a legal entity it is always 1.8.
Km is the power factor, the more powerful the car, the higher it is.
Ks is a discount for the period of machine downtime if you do not use it the whole year.
Kpr - trailer coefficient, depends on the type of transport.
Кн - coefficient of violations, discount for correct driving.

Advice! Knowing how the ratios relate to the cost of insurance can help you figure out how to reduce that amount. If you are a resident of a big city, try to register the car to someone living in a rural area. If possible, do not include inexperienced or young drivers in the list of people allowed to drive.

This also applies to former members.

Road accident. If you need to do this, then take out unlimited compulsory motor liability insurance, it will be cheaper.

Before insuring a new car without plates, call companies in your city and study reviews to find the best deal. But don't choose too cheap and suspicious options. It is better to choose one of the well-known organizations, for example:

Rosgosstrakh;
Alfa insurance;
Sogaz;
RESO-Garantiya;
Agreement;
Renaissance.

When you are issued with compulsory motor liability insurance, check that the data is filled out correctly and that all signatures and seals of the insurance company are present. In addition to the original policy, you should receive back your documents, a list of MTPL rules, a receipt for payment, and forms for notifying of an accident.

How and where to insure a car under MTPL?

You can purchase such an insurance policy by contacting any company that provides this type of service. Many drivers call compulsory motor vehicle liability , and there is nothing strange in this, because the decoding of the abbreviation sounds like “compulsory automobile civil liability insurance.” The process of obtaining this document is very simple - you don’t even have to come with your car to have it inspected. However, if the driver is stopped by police officers and does not have compulsory motor insurance with him, then he should prepare for fines.

Rules for choosing a company

Undoubtedly, every driver who wants to take out an MTPL insurance policy is concerned about where it is cheaper to insure a car. However, it is wrong to assume that the price of the policy will be the same in any company. Keep in mind that saving money can cause big problems for you. You must pay attention to choosing the right company - you should only cooperate with an organization that will be able to compensate for losses. And in order not to make a mistake when choosing an insurance organization, you should take into account the following criteria when choosing:

The cost of an MTPL insurance policy. Do not think that you are lucky if you manage to find a company offering unusually cheap compulsory motor insurance policies without additional services (for example, life insurance). To avoid risks, it is recommended to purchase compulsory motor insurance at average prices.
Rating of the insurance organization. Companies that value their reputation do everything possible to ensure that their services are provided at a high level. They often offer their customers various promotions and discounts.
Availability of additional services. Sometimes, when insurance organizations carry out promotions, it turns out that services are imposed on the client that he does not need. This could be health insurance, property insurance, life insurance, etc.
Convenient location. When choosing an insurance company, you can also pay attention to where the office is located. This may predetermine the final choice if the candidates for an insurance policy do not differ in other parameters.

Is it possible to make an electronic policy for a car without license plates?

Electronic registration is very convenient, but impossible for a new car. The limitation exists because insurance company specialists must check the data in the traffic police database, but the owner of the car is not there yet. Therefore, the first time you will have to insure a new car without license plates in person, but from the second year you can insure it yourself or online.

OSAGO is mandatory and protects the owner from unnecessary expenses in the event of an accident. It is important to obtain insurance on time for a new car without license plates in order to meet the deadlines set by law. At the same time, you have the opportunity to calculate the final cost yourself and choose the best offer among insurance companies.

Terms of registration and validity of insurance for a new car

OSAGO must be issued before registering the car, within ten days from the receipt of ownership rights. The law allows concluding an agreement for the minimum possible period - three months. But the optimal duration of insurance in terms of price is one year.

If the owner intends to operate the car selectively, in a certain season, when concluding the agreement, the months of protection to be paid are indicated. Such a policy will cost the client less than a full one, for a calendar year.

Insurance cost

The amount of insurance depends on the following factors:

car registration region;
the number of registered drivers, an unlimited policy will cost more;
car engine power;
driver discipline;
duration of protection;
the number of accidents caused by the client.

The listed criteria are taken into account when calculating the contract price. Amendments expressed in coefficients are multiplied by the size of the tariff plan according to the formula approved in the methodology.

Production time

In insurance sales offices you can often find long queues, which can significantly increase the time it takes to issue compulsory motor third party liability insurance.

After purchasing a vehicle, a person must register it with the traffic police within a 10-day period, at the same time he will need to issue a compulsory insurance policy - without it, it will not be possible to register the car. You can find out more about what other documents you will need to register your car here.

IMPORTANT! Without an issued MTPL policy, you will not be able to register your car with the traffic police.

You will have to visit your insurance company to apply for an MTPL policy twice. The second time you will need to come to the office in order to enter into the insurance the numbers of your car, which you will receive from the traffic police.

Briefly about the purpose of the MTPL policy

Car insurance is important for a driver because it protects him from unexpected expenses in the event of an accident. If the fault lies entirely with him, OSAGO will compensate for the damage to those injured in the accident, but will not pay for the repair of his personal car. To receive payment for his car, the driver can additionally sign up for a CASCO agreement. This insurance is voluntary. It is usually used for more expensive cars. Such a policy compensates for damage regardless of who is at fault for the accident.

If the rules are violated equally by all participants in the accident, the company makes partial payments to each of them, and in a controversial situation, the final decision is made by the court.

If the driver of someone else’s car is at fault for the accident, his insurance will compensate for the damage caused. OSAGO is valid in case of damage not only to the car, but also to any structures and buildings. Insurance will also help in case of harm to the life and health of pedestrians.

Payment limit for compulsory motor liability insurance

After an accident, the car owner reports information to the insurance company within the period specified in the policy. He provides a document from the police. You can do without it if only material damage was caused and the list of damages does not cause disputes among all parties.

The company reimburses all losses, but they must not exceed the maximum amount of payments. If these funds do not fully cover the damage caused by the accident, the driver will have to pay extra from personal savings. OSAGO will not be able to help in case of vehicle theft.

Cost of insurance

The price for an MTPL policy is set by the Central Bank of the Russian Federation and no one has the right to change it, neither agents nor the insurance company itself. Read about what MTPL tariffs are and what they depend on here.

If you are insured with one company for several years, you receive a discount that you will lose if you take out insurance with another insurance company.

If you take out insurance at a car dealership, local insurers will most likely sell you this insurance product at face value. Previously, it was necessary to take a certificate from your insurance company about accident-free driving, the period of which also reduces the basic cost of compulsory motor liability insurance. But today, insurers can obtain all the data necessary to confirm the fact of accident-free driving from a single RSA database.

What is OSAGO?

The MTPL policy is compulsory civil liability insurance. Every car enthusiast should buy it.

Remote purchases do not apply to the insurance of a new vehicle without license plates. Electronic car insurance can only be used by a re-insured motorist .

The production time takes more than 10-15 minutes.

Insurance will be cheaper if compulsory motor liability insurance is designed for a shorter period. When concluding a contract, you must remember the start date and end date.

If in 2021 a driver wants to insure a car in person at the office, he can take out OSAGO for one year.

Those drivers who use a car rarely have the opportunity to take out car insurance for less than a year. The car may sit in a garage and be rarely used.

Of course, there is no point in paying more, so when purchasing a policy there is a separate field for the period of use.

Is it necessary to purchase a policy?

Is it necessary to take out an MTPL policy for a new car from the showroom? The clear answer to this question is yes. Today, quite a lot of people buy cars on credit and know first-hand what CASCO is. In fact, any car owner can apply for CASCO for his car, regardless of whether he purchased the vehicle on credit or in cash.

People often confuse these insurance products and many believe that if the car was insured under CASCO, then it is not at all necessary to take out OSAGO (what is the difference between OSAGO and CASCO?).

In fact, this is completely wrong. Automobile liability insurance for vehicle owners is required. You cannot drive a vehicle without purchasing this insurance product. More details about why you need compulsory motor liability insurance can be found in this material.

Not only that, in the event of an accident, the driver, if he is the culprit, will pay for the damage and harm to health caused by a friend to the participant in the incident from his own pocket. You also need to take into account the fact that for driving without insurance, a traffic police officer may apply administrative penalties to you .

Today, a traffic police inspector has the opportunity to check whether a car owner has compulsory motor vehicle liability insurance by the car number - so it makes no sense to lie to traffic police officers that you forgot your home insurance.

The fine for driving without a compulsory insurance policy is 500 rubles (in the case when, for example, you forgot it at home). If the car owner, due to forgetfulness, did not renew the current policy or did not take out one at all, a fine of 800 rubles will be issued.

Why go to the insurance company again after registration?

After the purchase, the owner takes out an insurance policy. At that time, his car still does not have a license plate, so this column in the document is temporarily not filled in. The driver presents the “automobile license” to the traffic police to register the new car. After assigning the number, he reports the information to the insurance company within 3 days. The employee enters new data into the general program and enters them into the policy form.

Issuance of license plates

If the owner of the car for some reason did not have time to report registration to the company, the law remains unbroken. In the event of an accident, all the rules specified in the document apply, and the driver will be compensated for damages.

Is registration required?

Every car owner is required to take out a policy. Today, some people still buy CASCO insurance. However, if the driver has CASCO insurance, this does not mean that compulsory motor liability insurance is not necessary.

You cannot drive a car without purchasing an insurance product. The driver will be at fault in the event of an accident. He will have to pay for the losses out of his own pocket.

The inspector has the right to check whether the driver has a compulsory motor liability insurance policy. You can check the availability of insurance by car number. There is no point in lying if there is no insurance that she is at home.

You cannot drive a car without insurance, and if a traffic police officer stops a citizen, he will have to pay a fine.

What documents may be needed for registration?

Cars can be purchased not only from a car dealership, but also from the secondary market. The previous driver must have an insurance policy with him.

If the MTPL agreement is still valid, the new owner can use it. The documents required by the new owner are identical when submitted at the office. No originals are required, only copies are needed. An empty field must be filled in. You must enter information without errors, as other information will not pass verification and the policy will not be issued.