Do you need insurance when registering a car?
2.8 (56%) 10 vote[s]
OSAGO is a compulsory insurance policy, that is, every driver must have it. The essence of such insurance is to compensate the insurance company for damages to victims of a traffic accident that occurred through your fault, that is, through the fault of the policyholder. Car owners who have just bought or are planning to buy a car are wondering whether it is necessary to obtain an insurance policy when registering a vehicle? Let's figure out what the legislation says about this.
Is compulsory motor insurance required for registration in 2021?
If you are an experienced driver with experience, or are just starting to drive a car, you must know the rule that without a valid compulsory motor insurance policy, operating a vehicle on the territory of the Russian Federation is prohibited.
Due to the innovations, the car owner is no longer required to provide a paper insurance policy for registration. Now you can decide for yourself which type of policy suits you best, paper or electronic.
However, this fact does not change the rule that at the time the vehicle is registered, the compulsory insurance policy must be valid. In any case, its presence will be checked through the interdepartmental interaction database.
Also, please note that in order to avoid any delays and other technical problems when registering a car, it is, of course, better to provide a paper version of the compulsory motor insurance policy in 2019.
The procedure for registering a car
In order to easily register a vehicle in 2021, you will need the following documents:
— Diagnostic card. This document is evidence that the vehicle has passed a technical inspection. According to the law, a diagnostic card is just necessary in order to obtain a compulsory motor insurance policy. You can also read the process of passing the technical inspection in our other article on our website, where we explained in detail all the nuances of this procedure.
— A valid MTPL policy. Moreover, it does not matter whether you bought a new car or purchased it second-hand. The MTPL policy is a necessary document for registering a vehicle in 2021.
— Payment of the state fee for car registration
— Application for vehicle registration
Registering a vehicle is also possible through the State Services portal.
In order to register a vehicle through State Services, you will first need to register on the website.
After this, you will need to select the appropriate service on the site and enter all the required data about the car and its owner.
At the end, you will be offered a time of your choice for which you can sign up directly to visit the traffic police.
Finally, you will need to come to the traffic police and provide all documents, including the compulsory insurance policy for registration in 2021.
Is it possible to register a car without insurance?
Any motor vehicle on the territory of the Russian Federation must be insured against the risk of damage to both the car and the life and health of its owner. Federal Law No. 40 “On Compulsory Motor Liability Insurance” talks about this.
Traffic police officers must be sure that they are registering a car that the owner has previously protected from possible road accidents. Therefore, the MTPL policy can be included in the list of necessary documents for the registration procedure.
But today, such a need is not strictly regulated and a car can be registered and re-registered to another owner with a certain list of documents.
If you are faced with the task of registering a car without having an issued MTPL insurance policy with you, then the traffic police officers will refuse you. Without having a policy form with them, only owners of electronic MTPL can register.
It is necessary to create a package of documents.- Attach the completed MTPL policy.
- Report to the traffic police department.
- A department employee will review your submitted package of documents.
- An application for vehicle registration is filled out.
- Traffic police officers inspect the vehicle.
- The inspector marks the inspection.
- State duty is paid.
- An MREO employee accepts documents. They can be submitted both through the government services portal and in person.
- You need to wait a certain amount of time.
- Receive the documents at the time appointed by the MREO employee.
- It is important to check the information on the forms to ensure that it is accurate.
Important! Before you become the owner of a car and take steps to register or re-register it, we recommend that you check for any fines on the car. It is likely that such fines may be inherited by you along with the car.
Registration in MREO traffic police
It is necessary to make an appointment with the traffic police in order to carry out the actions of submitting documents. If you are unable to appear in person, you can use the Public Services portal. Also, the State Services portal works not only as a way to submit documents, but also as a way to make an appointment.
If you prefer to come to the department, you will be placed on a waiting list. Upon arrival of your turn, you receive a special coupon, which indicates a specific time and day of appearance. If the queue is long and they won’t be able to accept you in the coming days, then instead of a coupon you will be given a special PIN code. It will need to be entered on the appointed day in order to receive a coupon and get an appointment.
Registration of a vehicle is a paid government service. You need to pay the fee using the details that apply specifically to your traffic police department. Payment can be made at any bank branch.
Also, in many traffic police departments there are terminals that provide assistance in paying state fees. When paying the fee through the terminal, the commission amount will be approximately 50 rubles.
The state fee for registering a vehicle will be 850 rubles, but only if you leave the previous numbers.
A traffic police officer must conduct a technical inspection of the car to make sure that the vehicle can participate in road traffic and does not pose a danger to other drivers.
A technical inspection is carried out after drawing up an application for registration. The inspector examines the car body, its engine, and checks information with technical documentation.
Traffic police officers pay close attention to the car, engine number, and also check the codes in their databases. If the condition of the car meets the requirements of the traffic police officers, a mark is placed on passing the inspection.
For individuals, there are regulations that provide not only the procedure for completing the procedure, but also the deadlines.
Thus, you will have to spend from one and a half to three hours on the registration procedure. This means that you can complete all the necessary actions in one day.
If the insurance is left over from the previous owner
Many motorists believe that if the compulsory motor insurance policy for registration remains old, that is, the old policy is still in force, then there is no need to conclude a new insurance contract. However, unfortunately, we have to disappoint you, as this is an erroneous opinion.
The fact is that the previous MTPL policy will be registered in the name of the previous owner of the vehicle, and since the owner of the car changes, the MTPL policy must be changed accordingly for registration in 2021.
With an old MTPL policy, registration of the car with the traffic police will be denied. The only reason why you can still keep it is the 10-day period during which the law allows you to drive a car after purchase until it is registered. The main thing is to also have the purchase and sale agreement with you.
It is important to remember that if you drive a car within 10 days after purchase with a previous policy, then you need to be included in it if the insurance is closed. Although, in principle, you can simply present the sales contract to the traffic police inspector, and there should be no questions for you.
There is also a dangerous side here. If you do not have a valid compulsory motor insurance policy for registration, then in a situation where a traffic accident occurs due to your fault, you will have to independently compensate for the damage caused to another road user, and this, you know, can sometimes be very unprofitable and take a huge amount of time.
Also, speaking about the remaining MTPL from the previous owner, you can replace the owner of the car in the insurance policy, however, unfortunately, it will not be possible to register the vehicle without the MTPL issued in your name.
This type of insurance is convenient only for a while until you can take out a new MTPL policy for registration. We also draw your attention to the fact that it is best to resort to such a decision only if the former owner is well known to you.
Thus, based on all of the above, we can conclude that it is simply impossible to register a vehicle without a valid compulsory insurance policy. If your vehicle reaches a speed of more than 20 km/h, then it must be insured, otherwise you will not be able to obtain a registration certificate.
Car registration procedure
Earlier, we said that in order to register a vehicle, you need to sign up in advance at the appropriate traffic police department. What should you have with you?
- Passport.
- Vehicle registration certificate.
- Contract of sale.
- OSAGO policy.
- Receipt with payment of state duty.
If another person, and not the owner, applies to the State Traffic Inspectorate, then in addition to the above documents, a power of attorney to carry out such actions should be attached.
On the spot, you will also draw up an application according to the established template and attach it to the package of documents. You can find out the details for paying the state duty on the State Services website. As for the size of the state duty, it is 2,000 rubles for new cars and 800 rubles for previously registered ones, that is, with mileage. When registering used cars, also take with you a valid certificate from the old owner.
So, we have answered the question of whether it is necessary to obtain insurance when registering a car. The main thing you should remember is the period of unpunished driving, namely 10 days, during which you must manage to obtain compulsory motor liability insurance and register the vehicle. Therefore, if you have all the required documents in your hands, do not waste time, but immediately start obtaining insurance.
Paper or electronic insurance for registration
As we mentioned above, currently the owner has the right to choose the type of compulsory insurance policy that is more convenient for him. Also in other articles we paid attention to the advantages and disadvantages of each type, you can also read this on our website.
Speaking about compulsory insurance for registration, it is worth saying the following. There are situations in which the new owner does not have any amount of time, and he urgently needs to register the vehicle.
In such a situation, it is better for him to issue a paper insurance policy, which specialists can prepare within one hour. Moreover, regardless of the type of vehicle and other factors, such as region.
Why is a paper insurance policy for urgent registration more profitable? It's simple. The fact is that an electronic MTPL policy can be entered into the database up to 4 days, while a paper policy will come into force as early as 00:00 the next day.
Moreover, some drivers may be faced with the fact that the traffic police themselves may require a paper policy, although this situation almost never occurs lately.
Thus, to register, as you might understand, it is better to issue a paper insurance policy. However, in other situations that do not require urgent insurance, an electronic policy is more convenient and practical.
When is an insurance policy renewed?
Without properly completed insurance, the MREO inspector will refuse to re-register the car in your name. Therefore, before going to the registration office, you must either make changes to the current policy of the old car owner or take out new insurance.
In accordance with paragraph 2 of Article 4 of the law on compulsory motor liability insurance, a citizen who has purchased a car is allowed to drive it for no more than 10 days from the date of purchase of the car. This time is given to the new owner so that he can drive the car home and undergo a technical inspection, since without a diagnostic card, a compulsory motor liability insurance policy will not be issued and the vehicle will be refused registration at the traffic police department. However, you should not drive your car frequently until you obtain insurance. This is due to the fact that in the event of an accident, you will be compensated for the damage in full from your own pocket, and if detected, you will be fined 800 rubles.
In addition, some traffic police inspectors will try to scam you into paying a fine for driving without a policy. In this case, refer to the Resolution of the Supreme Court of the Russian Federation No. 12-AD13-3 dated January 21, 2014, which clearly states that within 10 days after purchasing a car you can operate it without a compulsory motor liability insurance policy. Therefore, take the purchase and sale agreement with you before re-registration of the car to prove that the vehicle was purchased within a period of no more than 10 days. If traffic police officers issue you a decree, you can appeal it in court.
Remember that if you do not re-register your car within 10 days, you will be issued a decree with a fine of 1,500-2,000 rubles.
If for some reason you did not meet the deadline for registering the purchased car, then the above fine can be avoided in 2 ways:
- Issue another DCT for a reliable person (spouse or friend) and then return with filling out the PTS.
- Carry out registration actions through an authorized person by issuing a power of attorney for him for the traffic police.
In addition to the execution of the contract, there is also the transfer of the car by proxy. In this case, there is no need to reissue insurance to the new owner, since the old owner of the vehicle remains the owner. Contact the insurance company to have its employees add an additional driver to your policy, then drive without fear of being stopped and having your documents checked on the road. If the policy is issued without restrictions on the right to drive, then there is no need to contact the insurance company.
OSAGO for registration for legal entities
As for all drivers operating or registering a vehicle on the territory of the Russian Federation, MTPL for registration is also necessary for legal entities.
Speaking about the registration of osgo for registration, it is worth saying that the procedure is practically no different from registration for individuals.
However, there are still some nuances here. Firstly, for legal entities, the MTPL policy for registration can only be open, that is, with access to management of an unlimited number of persons.
Also, as an organization planning to issue a compulsory motor insurance policy for registration, you may be faced with the fact that many insurance companies may refuse you. We also mention this in many articles. Everything usually comes down to the fact that it is not profitable for insurance companies to insure legal entities, since it may be unprofitable for them.
You will never face a refusal; we will issue you a compulsory insurance policy for registration of an unlimited number of cars owned by your company, regardless of the type of activity. And if you have a certain number of insured cars, we can even offer you a discount.
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