If there is no insurance, can the car be registered? Registration procedure and responsibility for the absence of compulsory motor liability insurance

Will a car be registered without insurance?

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There is a mandatory rule for all drivers and car owners, which is regulated by Federal Law and forces them to take out insurance. This is the presence of an MTPL insurance policy. Its purpose is aimed at compensation of losses by the insurance company to the injured party in the event of an accident due to the fault of the insured. But those drivers who have just bought a car are in no hurry to take out insurance and the first thing they do is try to register the car. A counter question immediately arises: is it possible to register a car without insurance?

Why register your car?

A prerequisite after purchasing a new car from a dealership is to register the vehicle. Why register your car? State registration is an extremely important procedure for every car owner. It is necessary for the further operation of transport. Assignment of state vehicle license plates serve the following purposes:

1. Ensuring state control over the machine;
2. Preventing cases of violation of rules, as well as identifying the culprit of an accident;
3. Vehicle tracking in case of theft or other criminal purposes;
4. The ability to quickly obtain information on a vehicle.

Therefore, to the question - do you need to register a new car from the showroom, the answer is unequivocal, it is necessary, and you are given a certain amount of time for this, after which you will not be able to drive the car, or you will be subject to a fine of 5,000 rubles. The result of registration is the issuance of a state number, which acts as an identifier for your vehicle. Using the vehicle number, you can find out in which country and region the car was registered.

As for buying a used car, it is usually already registered by the old owner, and the car is sold with license plates. You don't need to receive anything, but you should carefully check the car's history and the authenticity of the documents before purchasing. Since very often scammers can pass off a stolen car as their own. Be sure to ask only for originals and check the car against its registration database.

What does the law say?

First, let’s look at the deadlines within which all documents must be completed to register the car. After the transaction is completed, that is, from the moment the contract is signed, the buyer has 10 days to register the car.

This rule was established by Order of the Ministry of Internal Affairs No. 1001. Clause 4 of the General Provisions states that the buyer is obliged to undergo an inspection of the car within ten days, that is, purchase a diagnostic card if the car is older than 3 years, obtain a compulsory motor liability insurance contract from the insurer, deliver the car to the desired point where it will be operated and registered. If the car is being driven from one region to another, then you will also have to get the “transit” series numbers within these 10 days.

In accordance with the changes adopted in 2013, the compulsory motor liability insurance agreement was included in the list of mandatory documents for registration. The official website of the department contains a list of required documents for registering a car.

• passport;
• PTS;
• STS, if any;
• MTPL agreement;
• a state duty receipt with the applicant’s personal data and the purpose of payment;
• power of attorney, if the car is not registered by the owner, but by an authorized person.

As indicated in the list of required documents, the buyer must provide a compulsory motor liability insurance agreement. Otherwise, the traffic police inspector will refuse to accept the documents. Even if you use the State Services portal, you will still not be able to submit an application, since one of the forms is filled out specifically for the insurance contract.

If you found information on any website or portal that a policy is not needed when registering or re-registering a car, then you are probably looking at websites that were filled out before 2013.

Registration rules

Regardless of where you bought the car, you can register it in any region. Most often this happens at the place of your registration, but this is not the key factor. The main rule is the need to quickly register your car if it was purchased ex-showroom. The legislation allows no more than 10 days for this. Moreover, a mandatory condition is the presence of insurance. This is why car owners so often ask the question: is it possible to register a car in the absence of an MTPL insurance policy?

Now, in more detail, is it possible to register a car if you do not have insurance? So, to register a new car, follow the instructions below:

1. First, you need to choose a traffic police department that is convenient for you and sign up for the electronic registration queue. This can be done via the Internet using the State Services website, or by personally calling the desired department;
2. If you have chosen online registration, then first register on the website, go to the traffic police services section, select the desired service and sign up for a convenient time and day. Be sure to check the box “Personal visit to the State Traffic Inspectorate”.

Remember that you can make an appointment no later than 10 days from the date of purchase of the car, otherwise a large fine will be imposed.

Before contacting the State Traffic Inspectorate, you need to collect a package of necessary documents. What does it apply to:

• owner's passport;
• vehicle passport;
• a sales contract or other document certifying your ownership;
• MTPL insurance policy;
• receipt of payment of state duty.

As you can see, it will not be possible to register a car without insurance. Therefore, before visiting the traffic police department, you need to take out insurance, where there will be no state column. numbers, and after the car is registered, you contact the insurance company again and enter the missing data, namely state signs. You can get compulsory motor insurance in a couple of hours, so immediately after purchasing a car, take care of this issue.

In addition to all the documents provided, on the spot you will need to write an application requesting that the vehicle be registered with the state and pay the state fee. You can find its details and size on the State Services portal, so as not to personally go to the traffic police to get a receipt. Its cost for new cars is 2,000 rubles or 800 rubles for re-registration (for used cars). If another person, and not the owner, applies for registration, then in addition to all the documents, he will need to have a notarized power of attorney with him. For used cars with mileage, take with you the previous vehicle registration certificate.

How to register a car correctly

To register a car with the traffic police, the driver must make an appointment with the registration authority. This can be done via the Internet on the official website of the State Traffic Inspectorate or on the State Services portal.

After this, you will need to pay a state fee for carrying out registration actions and making changes to the database. In 2019, the cost of the service is 1,500 rubles.

On the appointed day, you must come to the selected traffic police department with a full package of documents and a receipt confirming payment of the state duty and re-register the car in your name.

The state registration procedure in 2021 is regulated by Order of the Ministry of Internal Affairs No. 1001. Its duration should not take more than 1 hour. The wait in line at the traffic police department should not exceed 15 minutes.

Is it possible to register a vehicle without insurance?

As you understand, you won’t be able to register a car without insurance. This is a mandatory condition that must be fulfilled first. This provision on compulsory motor liability insurance is fixed in three legislative acts at once:

1. Federal Law No. 40.
2. OSAGO rules.
3. Order of the Ministry of Internal Affairs No. 1001.

Regardless of the Regulations, you must obtain insurance and register your car within 10 days. Failure to comply with the rules will result in administrative liability.

If the owner refuses to take out a policy

As we have already said, registering a car without insurance is impossible; accordingly, it must be obtained first. What are the consequences of this decision?

1. You will not be able to register the car.
2. The absence of an MTPL insurance policy and vehicle registration is punishable by administrative liability.

Since for new cars a period of 10 days is allowed to complete all registration and registration processes, after this period the following measures will apply:

• if you are stopped by a traffic police officer and the car does not have license plates, then administrative penalties will be applied - 5,000 rubles, up to the deprivation of your driver's license (for a repeated violation);
• if you do not have insurance, you will have to pay a fine of 800 rubles, and in case of regular violation - up to 90 days of driving ban.

The number of times a traffic police officer stops you and records a violation, the number of times you will be issued a fine, even if every 100 meters. No other measures other than those described above can be applied to you, and deprivation of a driver’s license is an abuse of official authority.

If everything is in order with your documents, then you shouldn’t waste time, but immediately start taking out insurance and make an appointment to register your car with the traffic police. Availability of an MTPL insurance policy and receipt of state insurance. license plates are very strictly regulated by law and the State Traffic Inspectorate. And why all? Because having insurance and registration plates can cover harm to other road users, prevent fleeing the scene and fraudulent transactions.

Minimum term of an insurance contract for state registration of a vehicle

The standard validity period of compulsory motor liability insurance is one year. However, the law allows for the registration of an insurance contract for a shorter period of time. This is provided for the convenience of those car owners who do not use their cars all year round, but only at certain times. For example, a driver does not drive his car the whole year, but only in the summer. In winter, he puts his car into storage. Consequently, there is no reason for him to overpay for the months during which the vehicle he owns is not in use.

For Russians, the shortest auto insurance contract in terms of validity is transit . It is concluded for a 20-day period when purchasing a new car, and is intended to transport the car from the place of purchase to the residence address of the new owner. After this, he is obliged to undergo a technical inspection within ten days, issue a permanent MTPL policy, and then register the vehicle with the State Traffic Inspectorate department. Vehicle registration under a temporary transit document is not provided.

An even shorter period of validity of the contract is allowed when applying for compulsory motor liability insurance by a foreigner arriving in the Russian Federation for a short time in his own car - from 5 days. But even in this situation, no registration actions for temporary insurance are carried out. The minimum period of validity of a motor vehicle license agreement allowed for state registration must be at least three months.

What to do when re-registering a vehicle to a new owner - do you need to change the policy?

If the car is purchased at a dealership, you will in any case have to buy compulsory motor insurance for it. In a situation where property is taken from hand and it is established that compulsory insurance has already been issued for it, the scenarios for the development of events may be different.

Drawing up a new contract

Expert opinion
Mironova Anna Sergeevna

Lawyer and lawyer for automobile law. Specializes in administrative and civil law, insurance.

If the former owner wants to terminate the current contract with the insurance company and receive compensation for unused insurance funds, then the new owner can only re-register for compulsory motor liability insurance at any chosen company.

Another option is possible - maintaining the contract for the car with a change of insured. In this case, we go to the required insurance company with the car seller, provide documents for the car and personal passports, and register the car in the name of the new citizen. Changes must be made to the columns “Insured” and “Persons admitted to management”. It is worth considering that after registering the vehicle with the traffic police, you will have to come to the IC again and provide new documents for the vehicle. If this is not done, then if an insured event occurs, the organization may refuse to pay compensation.

Adding to the current policy

There is another way of car insurance when the owner of a vehicle changes, but it is better not to use it as a long-term approach. You just need to ask the old owner of the car to add the new owner to the policy so that he will be allowed to drive the car. Such options are acceptable if there are close trusting relationships between the parties.

Checking the current MTPL policy

OSAGO is aimed at compensation for damage caused from the owner of one car to another. Vehicle insurance is a paid service and many scammers are trying to make money from it. Of course, the production and distribution of false documents is punishable by law. How to check the current OSAGO?

Checking on the Internet resource avtobot.net

In addition to MTPL, the following are available here:

• Checking the vehicle for theft;
• Check for arrest;
• Road accident check;
• Checking the number of owners;
• History of transport;
• Decoding the VIN code.

Visual inspection

An authentic document is printed on textured paper and has several main features:

• Individual number of ten characters;
• On the back side there is a thin metal thread, which is embedded in the textured base, and not just glued;
• The sheet contains SAR watermarks
• The policy contains elements that are illuminated by ultraviolet lighting.

Direct contact to the insurance company

If the previous options do not suit you, then you can contact the insurance company directly. Without fail, employees will carry out an inspection and provide an expert result to the client.

Terms for obtaining insurance

So, the law allocates 10 days from the date of purchase of the car so that you have time to obtain an insurance policy and register the car. During this period of time, the traffic police inspector will not issue you a fine, but in return you will have to confirm the fact of purchasing the car - a sales contract or other supporting papers. The insurance itself can be issued in one day if you have all the necessary documents. However, the car must be registered.