Each driver, before driving a car, contacts the office of the insurance company in order to purchase compulsory motor liability insurance. It is this form of agreement that protects the financial interests of the guilty party as a result of an accident. Let's look at how to buy compulsory motor insurance without registration in the region of application, and what problems may arise when drawing up an agreement.
Is it possible to issue compulsory motor liability insurance for a nonresident in a foreign region?
Very often a person changes his place of residence as a result of a change of job or for family reasons. In this case, the move often takes place by vehicle in order to maintain comfortable movement in the region of residence.
In such a situation, you need to know how to apply for an MTPL policy without registration or in a foreign region. Let us consider in detail the various options for purchasing a contract.
Purchasing a policy without registration
If you carefully study the current legislation and 40 Federal Law “On Compulsory Motor Liability Insurance”, it becomes clear that every driver is required to insure liability. According to the law, the registration procedure and tariffs are determined.
As for the registration procedure, according to the uniform rules, the calculation of the insurance premium depends on the registration of the owner. No registration means there is no way to make a calculation and issue a form. Unfortunately, if the driver does not have any registration, the insurance company representative may legally refuse to issue the product.
It is also not possible to buy a policy online, since when filling out the application form you must indicate the registration address in your passport.
Temporary registration policy
If there is temporary registration on the territory of the Russian Federation, insurers cannot refuse to provide the service. The main condition that must be met is that the insurance period should not exceed the validity period of the temporary registration.
As for the electronic policy, there will also be no problems with registration.
Purchasing compulsory motor liability insurance in a foreign region
If you have a registration, every motorist can contact the office of the insurance company and use the services of compulsory insurance. For registration, you must present an approved list of documents, which includes:
- passport;
- registration certificate or PTS;
- driver's license;
- diagnostic card form (if necessary).
At the same time, an authorized employee of a financial company is obliged not only to accept a complete package of documents on the day of application, but to make a calculation and draw up an agreement.
If an employee refuses to issue a mandatory service, you should file a complaint with the RSA or the Central Bank. In your application you should indicate:
- manager data;
- the office you contacted;
- on what basis was the refusal made;
- attach a recording of the conversation (if available).
Be sure that after such a request, a company employee will apologize and invite you to the office, without waiting in line, in order to fill out the mandatory compulsory motor liability insurance form.
Important! The law provides for a fine of 50,000 rubles for refusal to issue a policy on illegal grounds. A client who can prove that his rights have been violated will receive, in addition to the policy, a payment for causing moral compensation. Audio and video recordings are accepted as evidence.
Statistics vs Statistics
Despite the growing popularity of e-MTPL, not everyone can purchase a policy online. This is evidenced by statistics on the execution of contracts through the E-Garant system, which is provided by the Sravni.ru aggregator. The system helps the car owner purchase an MTPL policy if he was unable to do so on the website of the selected insurer. Over the six months of 2021, 8.8 million electronic MTPL policies were sold, about 1 million through E-Garant. Compared to last year, the popularity of E-Garant increased by 47%. And every month more and more contracts are executed through the system. There are two reasons, according to Sravni.ru analysts. Firstly, the increase in cases of “temporary system inoperability” of insurance companies in certain regions. Secondly, more and more insurance agents are preparing compulsory motor liability insurance for problem clients.
OSAGO needs a “Guarantor”_5
Photo: TASS/Sergey Bobylev
The Russian Union of Auto Insurers (RUA) advised to treat these statistics with caution.
OSAGO fortress: insurance policy for drivers may rise in price by 5% in 2021
Why the market is waiting for insurance costs to rise
“The number of MTPL policies issued in the first half of 2021 amounted to 20.1 million, and in the first half of 2021 - 19.2 million, that is, the number of MTPL policies issued in the first half of 2021 increased by 4.7%, which indicates how about the increase in the vehicle fleet in the Russian Federation, and about the absence of problems with the availability of the mandatory “vehicle citizenship”. The E-Garant system contains MTPL policies of 39 companies. This is a technical service, so RSA does not provide statistics on the execution of contracts through E-Garant,” the press service of the union reported. And they warned: data from unofficial sources may be incorrect and used for manipulation purposes.
Will the price of the insurance policy be different?
It is no secret that it is often the cost that interests the driver before the procedure for obtaining compulsory motor liability insurance. It should be taken into account that a tariff manual has been approved at the legislative level, which includes basic tariffs and adjustment ones.
Among the correction indicators there is a coefficient that depends on the registration of the vehicle owner. In this case, insurers are obliged to take into account the registration address, and not the region of application.
As for the size of the insurance premium, drivers registered in the region will pay less in comparison with those motorists who are registered in a large metropolis. Residents of a small region pay less, as a result of the fact that the loss rate under contracts is minimal, which cannot be said about drivers in large cities.
Important! To save money, experts advise applying for temporary registration in a small town or village to apply for compulsory motor liability insurance. Thanks to this, you can save 50-60% on overpayments.
Additionally, please note that the cost is calculated individually. The calculation is influenced by parameters such as:
- car type;
- when the driver's license was issued;
- for what period is the contract purchased (from 3 months to 1 year);
- number of horsepower;
- discount according to the contract;
- coefficient for the presence of gross violations.
If necessary, you can always calculate the cost provided you register in another city on our portal, completely free of charge. To do this, it is enough to indicate the minimum data and receive an offer from the leaders of the insurance market.
The legislative framework
The fundamental document is Federal Law No. 40 “On compulsory liability insurance of vehicle owners.”
The Federal Law stipulates that an MTPL policy can be easily obtained anywhere, regardless of the registration of the motorist.
Insurance companies do not have the right to refuse to issue a document or require the provision of any additional documents or set increased rates.
The main problems when buying in a foreign region
As practice shows, motorists often face some problems in obtaining a policy for temporary or permanent registration. Let's look at the main problems:
- The insurers are located in a remote area.
- They ask to show the car in order to inspect it for the presence or absence of damage.
- They require you to send documents by mail.
- They refuse for various reasons: lack of forms, their own in the database, or technical problems.
Sources
- topurist.ru: How to get insurance for temporary registration of the owner, legal advice
- 9111.ru: OSAGO for temporary registration
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How and where to buy an MTPL policy in Moscow for residents of other regions
It is no secret that a large number of people who are officially registered in another region live and work in Moscow and the Moscow region. Since many citizens drive their own vehicles, it is necessary to clarify where motor vehicle liability is issued, not at the place of registration, in the territory of a large metropolis.
Drivers registered outside of Moscow can apply for compulsory motor liability insurance both in person at the office and remotely. Preference should be given to such large and stable companies as:
- Alfa insurance;
- Ingosstrakh;
- Rosgosstrakh;
- Tinkoff;
- VSK;
- RESO Guarantee;
- SOGAZ.
In order to apply for compulsory motor liability insurance without registration in Moscow at the insurer’s office, you should prepare a complete package of documents and contact an authorized employee. As mentioned above, if you receive a refusal, you should write a complaint.
As for electronic insurance, it is issued on a personal computer or other device with Internet access.
To purchase the form you must:
Make a calculation A calculation is generated using the calculator on our portal. All you need to do is provide your personal information and indicate the characteristics of the car.
After entering all the data, you should request a quote. It should be noted that all calculations are provided to drivers completely free of charge, an unlimited number of times.
Select a company
After entering the information, you will receive offers from several financial companies at once. It is worth studying them carefully and choosing an insurer that is located in the region of your actual residence.
Register on the site
The entire registration procedure takes place on the official website of the insurance company. To do this, you will need to go through a simple registration, indicating personal data and contact details. This procedure will take no more than 2 minutes.
Enter the required data
In the client’s personal account, all data must be specified. To enter correct information, you will need to prepare all the necessary documents. Be prepared to indicate:
- personal and passport data of the policyholder and owner;
- residential address at the place of registration;
- insurance period and period of use;
- driver data and driver's license information;
- technical inspection number;
- number of the previously issued policy, in case of renewal.
It is necessary to take into account that some financial companies ask you to additionally upload a high-quality photo of your passport and car document in your personal account.
Remit payment
The last thing you need to do is pay your auto liability. To do this, you will need a card from any bank. Some insurance organizations even accept payments using electronic currency.
Important! Many drivers do not know whether to change their policy when changing their registration. According to the law, the policyholder is obliged to report all changes that occur during the term of the contract.
It is also worth considering that when changing your registration, you must change the OSAGO form. To do this, you will need to contact the insurer and write a statement. Changes can be made either free of charge or with an additional payment (depending on the new region of residence).
Is it possible to recalculate and get a better price?
If the car owner moves to a locality with a territorial coefficient different from the current one, the cost of the policy must be recalculated. Accordingly, if the price of compulsory motor liability insurance is higher, the policyholder is obliged to pay the remaining amount. If the cost after the move turns out to be lower, the car owner has the right to demand the difference from the insurance company. This usually requires submitting a separate application and providing bank details for the transfer.
