OSAGO is a compulsory type of insurance that allows drivers to resolve many issues related to compensation for damage caused during an accident. The policy must be issued in a timely manner; the driver submits documents for compulsory motor liability insurance to the insurance company. The package of documents has different contents for individuals and legal entities.
Documents for compulsory motor liability insurance for individuals
A driver taking out a compulsory insurance policy can choose one of two possible options: limited or “unlimited”.
Limited insurance presupposes the use of the vehicle by those persons who were included in the contract. Insurance policy “without restrictions” - an unlimited number of drivers can drive the vehicle.
OSAGO – documents for issuing a limited policy:
- Power of attorney from the owner, if the policyholder is a third party.
Documents for obtaining an unlimited insurance policy:
- The policyholder's passport (or a substitute identification document);
- Owner's driver's license only;
- Vehicle passport or registration certificate;
- Diagnostic inspection card;
For individual entrepreneurs and legal entities
The conditions for purchasing a compulsory insurance policy for an individual entrepreneur do not differ from the standard terms of an individual’s contract; an individual entrepreneur does not need to submit additional certificates to the insurance company even if the car will be used for work/corporate purposes.
What documents are needed for compulsory motor liability insurance for legal entities:
- Valid technical inspection.
- Vehicle Registration Certificate (VRC) or Vehicle Passport (PTS).
- Certificate of registration of legal entity. persons, data from the Unified State Register of Legal Entities, TIN certificate.
- Seal of the organization.
What documents does the policyholder sign?
Signing documents is an important step in obtaining an MTPL policy; knowledge of its nuances provides the vehicle owner with protection from unscrupulous companies. Which documents for MTPL insurance The driver must sign:
- Compulsory insurance policy, a signature must be placed on both the original and a copy of the document.
- Application for concluding an agreement with the insurer.
- A receipt for payment of the state duty and signature must also be placed on the self-copying side.
Note! Always sign only the completed OSAGO policy. The tricks of unscrupulous insurance companies are based on saving the policyholder’s time - “sign the blank form, we will fill out the application”, as a result - imposed extras. services, increased coefficient, unreliable data.
What documents remain on hand?
Original MTPL policy. After concluding the contract, the company must provide the policyholder with the following documents:
- Original receipt.
- Road accident notification form (2 copies).
- Insurance rules.
- List of company representative offices in the Russian Federation.
With our help, applying for compulsory motor liability insurance is reliable, convenient and profitable. Insurance broker "Auto service" offers its clients an insurance policy without overpayments and with home delivery. For the policyholder - no commissions or overpayments, maximum savings of time and money.
Call us or fill out an application online, we will contact you shortly.
- Identity document. If the owner of the car and the policyholder are different persons, the insurer will require passport details of both.
- Driver's licenses of the owner and persons who will be allowed to drive the vehicle.
- Vehicle Passport (PTS) or Registration Certificate (CRC).
- Valid if the car is over 2.5 years old.
- Power of attorney from the owner, if the policyholder is a third party.
- Previous MTPL policy, if the insurance contract is subject to renewal.
Purchasing and ordering an MTPL policy
To purchase an MTPL policy with delivery in Moscow, the client needs to provide us with the details of the policyholder and the car, using any of the options:
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Before concluding an insurance contract with a company, it is recommended that you familiarize yourself with what documents are needed for compulsory motor liability insurance. Most motorists believe that the old insurance will be enough to take out a policy. But this is not enough, because... You will need a whole package of documents. A conscientious driver, as a rule, has everything with him, so collecting it will be quick and easy.
To save time and effort, it is useful for a motorist to know which original documents should be provided to the insurer to issue a policy.
Documents required for an insurance policy
Taking out MTPL insurance is a serious and responsible task. According to Article 15, paragraph 3 of Law No. 40-FZ, the driver must have with him the following list of documents for car insurance:
- Documents for the car. They contain detailed information about your car necessary to complete your policy. These include a passport issued for the vehicle and a certificate confirming its registration.
- An equally important piece of paper required to obtain insurance is the driver’s identification card. This can be any document belonging to this category. Usually its role is played by a passport of a citizen of the Russian Federation.
- Owners of vehicles whose age from the date of assembly has reached or exceeded three years must be registered for the insured vehicle. Owners of new cars do not have to fulfill this point, however, they can, at their own request, include a diagnostic card in the list of required papers when applying for compulsory motor liability insurance.
- When applying for closed insurance, do not forget to take with you the driver’s licenses of all persons authorized to drive the car. For closed insurance, their number should not be more than 4 people. Otherwise, you will have to take out open insurance, and then the licenses of other possible drivers are not required for registration. You can present photocopies of your driver's license.
- And of course.
These are not all the necessary documents to obtain compulsory motor liability insurance.
Additional documents for MTPL
In addition to the above mandatory documents, when concluding an MTPL policy, a motorist sometimes has to provide additional ones. For example, you already had a policy with another insurance organization. In this case, the employee can take into account your coefficient specified in the previous contract to calculate the new cost. The calculation of the MTPL premium will depend on this document. So, in the absence of paid losses, the price decreases, and if they are present, it increases.
Some insurance companies also require you to provide them with a certificate from a previous insurance organization about break-even driving. But the car owner does not always have to do this. Some organizations independently submit a request to obtain the information they require.
If the insured vehicle does not belong to the driver, then in order to issue a policy, you must present a general power of attorney to the employees of the insurance company. In this case, the text must contain a note stating that the owner of the car trusts not only the driving of the car, but also the registration of insurance. All these points must be prescribed in the power of attorney.
List of documents for legal entities
So, for individuals you will need the following list:
- Technical certificate;
- Certificate of registration or PTS.
Legal entities, in addition to the above, will need to present to the employee of the insurance company a power of attorney in their name, which confirms the right to represent the interests of the organization and the TIN of the enterprise. To obtain a power of attorney to represent the interests of the company, the driver of the vehicle will need to contact the director of the organization or his deputy. All documentation must be certified by the signatures of the persons who issued it and the corresponding seals.
In addition to the above documents, you will also need to bring an application for concluding an agreement. It is drawn up in the prescribed form. You can fill it out at home. But experts recommend drawing it up directly in the company. It should be noted that many insurance organizations draw up a contract without an application.
How is compulsory motor liability insurance issued?
Once you have collected all the necessary documents, you need to follow these steps:
- Decide on the company that will issue this document for you.
- Visit her office and fill out an application for concluding an MTPL agreement there.
- Pay the required amount, which the company’s employees will calculate specifically for your car.
- The next step is to check the documents issued to you. Check everything carefully so that errors in filling out do not cause you trouble in the future.
- If you have purchased a new car and you have not registered it in your name, visit the traffic police to re-register it.
Important! Choose your insurer carefully and without haste. Consider all available options, because the conditions and discounts provided by different companies may vary significantly. This will allow you to save a significant amount of money.
What is the penalty for driving without an MTPL insurance policy?
Since this document is mandatory for registration, in accordance with Law No. 40 - Federal Law, drivers driving on public roads will be subject to the following penalties:
- A fine of 500 to 800 rubles. The amount may seem insignificant at first glance, but the main trouble is that traffic police officers can fine you for this violation an unlimited number of times. If you already have a fine for a given offense, this does not mean that the inspector will not issue it to you again. Thus, quite a serious amount can accumulate.
- In the event of an accident, all damage caused will have to be compensated from your own pocket.
As you can see, the state strictly monitors compliance with its requirements and severely punishes for non-compliance. You shouldn’t rely on luck, but rather take out insurance and drive with peace of mind.
The driver can find out the necessary list of documents for car insurance from any organization that specializes in providing this type of service. All road users are required to take out an MTPL policy. Without this agreement, driving on public roads is prohibited and punishable by a fine.
Unfortunately, in the regions, a situation has developed similar to a conspiracy by the Investigative Committee to sabotage the MTPL law, and in the worst case scenario, extortion of money from car owners with the full connivance of the Central Bank. What has changed after the deprivation of ROSSGOSSTRAKH's license? 1- Agents of "ROSSGOSSTRAKH" stopped imposing additional. services - they directly say if you don’t want to go to the devil.
2- In offices they insure everyone and anyone who can get an appointment - 15-20 people a day (a huge number especially in cities with a population of over a million). By the way, "RENAISSANCE" insures as many as 7 people (sorry - cars, because in Russia cars move on their own (the childhood fears of our deputies)) per week. At the same time, prices for compulsory motor liability insurance on the websites of insurance companies and from agents of the same insurance companies differ by 4-6 times. Who are our anti-corruption fighters? Are they not the ones who feed there? I can’t speak for the whole country, but in Volgograd (one of the poorest cities in Russia) the situation is exactly this.
Get OSAGO online. It's been working for a long time. Go to any Moscow website of famous insurance companies, and you will be happy. Print out the policy on a printer, just in case. And so there is a common base in RSA.
I apologize, but I think that in Volgograd there are other insurance companies that insure without problems and do not scam “suckers”!
Type in the search engine IC of Volgograd. Call and ask about the conditions for obtaining compulsory motor liability insurance if you come yourself or how to apply for it online. All your ambitions will disappear by themselves.
Here's about your city Hero:
Insurance company "Transneft"
400050, Volgograd, st. Rokossovsky, 62, 4th floor, office. 23
400050, Volgograd, st. Rokossovskogo, 62, off. No. 23
Read more...
Insurance company "MAX"
400005, Volgograd, st. them. Marshala Chuikova, 55
Read more...
Insurance company "Yugoria"
Volgograd, st. Tkacheva, 30
Read more...
Insurance company "BIN Insurance"
400087, Volgograd region, Volgograd, st. Parkhomenko, 35a
Read more...
Insurance company "Renaissance Insurance"
G. Volgograd, Rokossovsky, 62
Read more...
Insurance company "Surgutneftegaz"
628418, Russian Federation, Tyumen region, Khanty-Mansiysk Autonomous Okrug - Ugra, Surgut, Lermontov St., 9/1
Read more...
Insurance company "Zetta"
G. Volgograd, st. Balonina, 2 a
Read more...
Insurance company "RSTK"
400087, Volgograd, st. Nevskaya, 13A, office 201
400131, Volgograd, st. Krasnoznamenskaya, 25
Read more...
Insurance company "RESO-garantiya"
400131, Volgograd, st. Trekhgornaya, 17
Read more...
Insurance company "UralSib"
Volgograd, Lenin Ave., 65K
Read more...
Insurance company "VTB Insurance"
G. Volgograd, st. Komsomolskaya, 4
Read more...
Insurance company "ZHASO"
St. Mira, 6, Volgograd, Volgograd region, 400131
Read more...
Insurance company "SOGAZ"
400105, Volgograd, st. Shtemenko, 5
Read more...
Insurance company "Soglasie"
Volgograd, Lenin Ave., 59K
Read more...
Insurance company "AlfaStrakhovanie"
400005, Volgograd, st. Rokossovsky, 62 floor 8 (Business Center "Volgograd City")
Read more...
Insurance company "Ingosstrakh"
400066, Volgograd, st. Pugachevskaya, 9/1
Read more...
Insurance company "Rosgosstrakh"
Volgograd region, Volgograd, Istoricheskaya st., 122
Volgograd region, Volgograd, Gagarin st., 16
Volgograd region, Volgograd, named after German Titov st., 32
Total branches: 10
Read more...
Insurance company "VSK"
Volgograd, Lenina Ave., 56 A
Read more...
Insurance company "Admiral"
400137, Volgograd, 30 Let Pobedy Boulevard 32b
Read more...
Insurance company "InnoGarant"
400005, Volgograd, st. Nevskaya, 13-A, office. 714
Read more...
Insurance company "Kompanion"
G. Volgograd, st. Donetskaya, 14
Read more...
Insurance company "Oranta"
Volgograd, st. Chuikova, 33
Read more...
Insurance company "Russia"
400131, Volgograd, st. them. IN AND. Lenina, house 9, office 67
Read more...
Insurance company "RST"
400005 Volgograd, st. 7th Gvardeyskaya, 2, of. 235
Read more...
Insurance company "Spasskiye Vorota"
400131, Volgograd, st. Lenina, 9, office 40
Read more...
Insurance company "ERGO Rus"
Volgograd, Prospect named after. V.I.Lenina, 56A, office 712
Read more...
Insurance company "Nasco"
400050, Russia, Volgograd, st. Parkhomenko, 41
Read more...
Insurance company "Prominstrakh"
400131, Russian Federation, Volgograd, Gagarin street, building 16
Read more...
Companies that don't bully:
"RESO-guarantee"
Companies that have stopped burglarizing:
"Spassky Gate"
"Agreement"
"Ingosstrakh"!? in the regions.
Vasily-16
Good afternoon
Good afternoon
Please tell me how to act in the following situation:
I buy a used car (more than 3 years old) from an individual. faces. After signing the agreement, it is necessary to make a compulsory motor vehicle liability insurance policy in order to be able to drive to the traffic police department TNRER.
A diagnostic card is required for OSAGO.
Option 1: the previous owner has a valid old diagnostic card (can it be used - i.e. will they make an insurance company using it)?
Option 2: the previous owner does not have a recreation center. That is, to do it you need to go to an inspection point, but you do not have the right to do this without compulsory motor liability insurance. It turns out to be a vicious circle.
Within 10 days from the date of signing the policy, you can drive without a valid MTPL policy. This should be enough to obtain a valid business license, and then purchase your own MTPL policy before registering with the traffic police.
Vasily-16
This is the law:
Federal Law of April 25, 2002 N 40-FZ
(as amended on November 28, 2015)
"On compulsory civil liability insurance of vehicle owners."
Chapter II. CONDITIONS AND PROCEDURE FOR IMPLEMENTATION
COMPULSORY INSURANCE
Article 4. Obligation of vehicle owners for civil liability insurance
2. When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises .
And for wowick:
Supreme Court decision
On April 17, 2012, the Supreme Court issued Decision No. AKPI12-205. The applicant referred to the contradiction between paragraph 2.1.1 of the traffic rules and Federal Law No. 40 of April 25, 2002 “On compulsory insurance of civil liability of vehicle owners.” That's what the Supreme Court said.
The applicant’s reference to the contradiction of paragraph 2.1.1 of the Rules with Federal Law No. 40 “On compulsory insurance of civil liability of vehicle owners” dated April 25, 2002 is untenable. Clause 2 of Article 4 of this Federal Law obliges the owner of a vehicle to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. Consequently, before the expiration of the ten-day period allotted to the owner of the vehicle for concluding a civil liability insurance contract, the driver of such a vehicle has the right to drive it without an appropriate insurance policy, which directly follows from the contested norm of the Rules, which provides for the driver’s obligation to carry this insurance policy with him only in cases established by federal law.
Good afternoon
Please tell me what changes need to be made to the MTPL policy so that a citizen of the Russian Federation, but with the rights of another state, can drive a car with an already issued MTPL policy, where only the driver's license of the citizen of the Russian Federation, the owner, is indicated? Or do I need to take out a separate policy?
Thank you in advance.
Elena, Hello.
Just contact your insurance company. They will add an additional driver to the policy, but most likely they will have to pay the difference in cost.
There is no need to make a separate policy.
Good luck on the roads!
please tell me, I want to restore a car that I previously scrapped and sell it on the same day. When restoring the registration, do I have to take compulsory motor insurance insurance for a year?
Maksim, You will need a MTPL agreement concluded for 1 year. However, it can act for a shorter period. For example, in order to save money, you can enter into an agreement that allows you to drive a car for 3 months a year. Its cost will be 2 times less.
In addition, you will be able to return money for the unused period of compulsory motor insurance.
Good luck on the roads!
Vyacheslav-16
What to do if insurance companies do not have policies
Vyacheslav, contact another insurance company.
You can buy a policy in another (neighboring) region, if it is convenient. You can ask relatives or friends to buy a policy in another region if it is not possible to travel.
As far as I know, in Moscow there are never problems with the purchase of compulsory motor liability insurance.
Good luck on the roads!
Good afternoon
There are now huge queues in the IC offices and appointments are made 2 MONTHS in advance. When purchasing an MTPL policy online on the insurance company’s website, a message appears that the data was not found in the RSA database, although the data was entered correctly! Online purchase is not possible(((In car dealerships, the sale of compulsory motor vehicle liability insurance is possible only if additional products are available (due to the terms of the insurance contract with the car dealer).
What to do in these situations, will there be changes in the MTPL law from September 2016?
You will ask the insurance company to insure your apartment, cottage, life, etc. At the same time you will receive compulsory motor liability insurance. You will be received without waiting in line and will even smile. And within 5 days, refuse all other insurance. They will return 100% (this is your right). Of course it’s not very convenient, but at least there’s no queue.
OSAGO policy is a document without which the operation of a vehicle is prohibited. For this purpose, it is purchased and must be replaced upon expiration of its validity period. In order to quickly obtain compulsory motor liability insurance and not in vain to wait in a sometimes huge queue, you need to know what documents the owner needs to apply for it in 2017.
Ordinary citizens and organizations need to present different packages of documents. In the second category, you will need to attach a few more papers to the main list.
OSAGO for individuals
Individuals, i.e. ordinary drivers, need the following documents to obtain car insurance in 2017:
- A valid diagnostic card indicating completion of a scheduled technical inspection. The diagnostic card has a validity period, after which the technical inspection will have to be completed again. Without this document, representatives of the insurance company will not issue insurance.
- Insurance Application. As a rule, insurance specialists offer the driver to sign this statement already printed out.
- Vehicle title or registration certificate.
- Passport of the owner of the car.
- Power of attorney if a representative is insuring the car. In this case, a simply handwritten power of attorney will not work; it must be notarized.
- Previous MTPL policy. Submitting the expired document when insuring will help save time for the agent to prepare the contract and fill out a new insurance policy.
- Driver's license of citizens who will be included in the policy. They will be needed if compulsory motor liability insurance is issued for a limited number of persons.
After submitting documents for registration of compulsory motor liability insurance for a car, you should wait until the agent fills out all the paperwork. Before signing documents, you should check them, special attention should be paid to the correctness of the information about the owner, drivers, and the car itself. Otherwise, the insurance will be considered invalid.
OSAGO for legal entities
The documents that the institution submits when applying for an MTPL policy in 2017 are almost identical to the documentation of citizens. However, here is a complete list of documents:
- Certificate of technical inspection (diagnostic card).
- Power of attorney on behalf of a legal entity. As a rule, insurance issues in organizations are handled by a special employee who has a power of attorney to represent the interests of the vehicle owner. At the same time, it can be either notarized or executed on the institution’s letterhead with the obligatory signature of the head and seal. An order for the appointment of a manager may be attached to it.
- Vehicle passport or registration certificate.
- Certificate of state registration as a legal entity. Since recently such a certificate is not issued during registration, its role is played by an extract from the register of legal entities or individual entrepreneurs.
Regardless of who is the policyholder under the contract, after completing the registration actions, the insurance agent is obliged to issue the following documents:
- MTPL policy (original with signature of an authorized person and seal).
- Insured's memo.
- Receipt of payment for services from the insurance company.
- Rules of compulsory car insurance.
Applying for insurance online
In 2017, car owners had the opportunity to avoid standing in kilometer-long queues and submitting documents to obtain a policy. Now you can buy an electronic MTPL policy without leaving your home.
The policy can be purchased on the insurance company’s website; only authorization through the government services portal is required. After entering all the necessary information, the system will offer to receive the completed policy in printed form in the office. The applicant has the opportunity to receive an MTPL policy by mail; he just needs to indicate his postal address.
There are situations when the personal data of the car owner may change (for example, due to marriage). In this case, during the period of validity of the MTPL policy, he can contact the insurance company, where the corresponding mark will be made in the note to the policy. In 2017, there is no need to provide all other documents for registration of compulsory motor liability insurance and buy new insurance in this case.
Every car is required by law to be insured. The drivers themselves are primarily interested in this. If they get into an accident, the insurance company will pay for the material damage. Today, there are two insurance options - OSAGO and CASCO, with different service packages. Every motorist should take out a compulsory motor liability insurance policy; this is mandatory.
List of papers for obtaining MTPL insurance in 2017
Within 10 days after purchasing a car, you must contact any insurance company to insure it. If you do not do this, the first time your driver's license is checked by a traffic police inspector, you will be issued a fine. Both individuals and legal entities need to take out a policy.
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What documents are needed for compulsory motor liability insurance for individuals?
If you bought the car for yourself, contact any insurance company to get a policy. Documents for compulsory motor liability insurance in 2017:
Passport or other document.
Statement. It can be filled out at the office of the insurance company.
Driver license. The license of all drivers for whom insurance is issued is required. If the policy is issued for an unlimited number of persons, rights are not needed.
PTS, vehicle registration certificate.
Diagnostic card. By law, passing a technical inspection is not required. But documents for registration of compulsory motor liability insurance always include this clause. Every insurance company wants to be sure that you are driving a properly functioning vehicle with all systems working.
Insurance firms require a vehicle inspection to ensure a safe transaction so that they do not have to pay out compensation for an initially faulty vehicle. Remember that the technical inspection has a validity period, after which the diagnostic card is considered invalid.
If you have a policy from a previous driver, you can take it with you, this will simplify the procedure. You can simply renew the contract with the insurance company that was concluded earlier.
Legal entities
If the vehicle is purchased in the name of the company, you also need to take out insurance for it. For individual entrepreneurs, the list of documents is the same as for individuals.
Documents for compulsory motor liability insurance for legal entities:
Technical inspection card;
PTS or technical passport;
Certificate of registration of a legal entity;
Power of attorney for the right to represent the interests of the company.
Don't forget to take the organization's seal with you to seal the agreement. Now you know what documents are needed for car insurance, and you can safely go to the insurer’s office.
What documents does the insurance company hand out?
After signing the contract, the agent must give you a package of documents. It is the same for individuals and legal entities. Documents for car insurance:
Insurance rules;
Check.
Policy with the insurer's stamp;
You must always take your insurance policy with you when traveling. It is valid from the moment the contract is signed until the period specified in the documents. After this period has expired, the contract must be renewed.
Registration procedure in 2017
Before collecting documents for OSAGO car insurance, you need to choose an insurance company. They differ in the degree of reliability and reputation. To choose the right one, read reviews on the Internet and ask experienced car enthusiasts for advice.
The cost of insurance varies slightly between different companies. It is calculated based on engine size, driver age and driving experience. Insurer services cost approximately the same everywhere; you should not focus on this parameter when choosing a company.
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When the necessary documents are ready, you come to the office with them and sign the agreement. You can call your insurance agent in advance to clarify the details and schedule an appointment.
Rules for filling out an insurance policy
You can fill out the car insurance form by hand or on the computer, it doesn’t matter. There are no standard filling rules, just fill in the required information in each field. Remember that mistakes cannot be made in the policy; if you make a mistake, take a new form.
After completing the documents, check that all the information in the policy is correct, that your signature is present, the date of completion, and the signature and seal of the representative of the insurance company.
Application for payment of compensation for damage after an accident in Rosgosstrakh
Rosgosstrakh is one of the most popular companies in Russia. Documents for compulsory motor liability insurance at Rosgosstrakh must be submitted the same as to other organizations.
If you are involved in an accident, you need to file a claim for compensation for damages from the culprit. To do this, you must call an agent who will determine the extent of damage to the car and the health of the participants in the accident. After this, you fill out an application for payments and wait for the money to be transferred to you. If you do not agree with the agent's assessment, you can engage an independent expert.
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Now you know what documents are needed for compulsory motor liability insurance. Collecting them will not be difficult; obtaining insurance will take you several hours, including a trip to the office. Every car enthusiast should know the rules on how to apply for compulsory motor liability insurance.