Legally, a person becomes the owner of a car only after its registration. For this, a certain package of documentation is submitted to the traffic police department. Many citizens are interested in whether insurance is needed when registering a car. The presence of an OSAGO policy is a mandatory measure established by law.
What the legislation says
All cars are subject to compulsory insurance from damage by road users on the basis of the law on OSAGO. The obligation to insure transport arises after purchasing a car... Indeed, during its operation, situations may arise that lead to damage. The person guilty of the accident must compensate the victim for the damage. The insurance gives the right to pay off the sums insured.
Is it possible to register a car without an OSAGO policy
Registration of the car at the inspection without its preliminary insurance is impossible. When registering a car, new owner hands over to the traffic police a certain package of documentation, which includes the insurance policy.
It is processed quickly enough. If the owner of the car wants to go the other way and tries to register it without insurance, he will fail.
Before registration, a car must undergo a thorough check before the inspector allows it to go onto the road. The pre-insurance rule implies a check in itself. After all, the policy will not be issued until the car passes those. inspection.
Therefore, car inspectors will not allow this rule to be circumvented. It turns out that the general scheme of actions when registering consists of the following stages:
- Car technical inspection. This procedure is performed by special technical centers... The specialists of this organization will check the serviceability of the machine and put appropriate marks in the diagnostic card.
- Insurance registration. Now it is quite possible to do this without leaving your home via the Internet. Registration is carried out quickly enough. On the day of the application, you can print a copy of the insurance online, which is also considered a valid document. When registering a policy in person at an insurance company or its branch, specialists will issue the original document, but after a few days.
- Payment of duty. If the deadline for registration has already passed, you need to pay an additional fine.
- Collection and delivery of documentation to the traffic police inspector.
Even when purchasing a new car, you must first take out insurance. It does not matter: it was bought from hands or in a car dealership.
A responsibility
If, before registering the car, the new owner did not take care of insurance, he will face the following troubles:
- Refusal to register a vehicle... The insurance policy is included in the list of mandatory documents when registering a car with an inspection.
- The amount of administrative responsibility is 800 rubles... And even after paying the fine, you need to take out MTPL insurance.
By law, you can register a car within 10 days after the purchase transaction. Accordingly, during this time, you can freely have time to carry out vehicle insurance and calmly register a car. At the same time, you can even drive a purchased car, no one will fine the driver. The main thing is to have a contract of purchase and sale of a car with you. If everything is done correctly within the timeframe established by law, the new owner will not have to pay a fine. But, when registration is carried out at the end of ten days from the date of purchase and sale, a fine awaits the new owner.
A question from a reader.
« Good day. Such a problem, I'm 19, bought a VAZ 2115 car in a neighboring region, the traffic police removed it from the register, received transit numbers, the car went home to me, a friend drove it, since I had not yet received my license. In connection with work, I did not have time to register the car and delayed the transit for a month, now there is time and I need to register the car, but how can I go on the expired transit? I heard that a fine of 300-800 rubles is required, and you can also extend them, but it will cost 1000 rubles, is it possible to go on overdue transits and if they stop paying a fine of 300-800 and then directly to the traffic police for registration, because 800, less than 1000 rubles ??? Another such moment, the car was driven without an OSAGO policy, on the basis of a purchase and sale agreement, you can drive 5 days without it, but now a month has passed due to circumstances and did not make it, and the MOT coupon is over, but it all seems like, it is necessary to register a car, and since I have no rights. Is it possible for me to register a car on myself? At the same time, I wanted 2 more brothers with the rights to enter into the insurance for management and how much it will be about a hundredto eat? And more about the approximate amount that will stand up for me for registration, registration, insurance with two persons in writing for management, obtaining numbers, what and how much fees to pay, please write down everything in more detail and point by point, I bought a car for the first time and faced this for the first time I don’t really know what and how ?? Thank you very much in advance for your answer, you have a very good site, just like an auto encyclopedia, you need a lot of useful information, thank you again. Alexander Karasev. "
Yes, Alexander, you are straight, everything came together at once! You can't do that! If everything is separate, then I have already written about everything, but for you you will have to repeat everything ...
So, the situation is difficult.
MTPL insurance
As you rightly think to put the car on record with the traffic police, you cannot do without. Therefore, you need to get it. There are no problems here, the insurance agent can go to your house and bring the policy with him. Call all insurance companies, almost all of them have such a service, it is free. That is, the agent, on the phone, calculates the cost of OSAGO insurance, brings it to you, and you give him the money. Since you do not have a license, you cannot drive a car, so you will be entered into the OSAGO policy as the owner or the insured (we must tell this to the agent), and you need to enter your brothers or brother to drive. The cost of the policy will vary greatly from their experience and age, everything is very individual, also know that the more people are inscribed, the more expensive they are. If you intend to enter three (when you get your license, and your two brothers), then it is better to issue - an MTPL policy without restrictions, it will turn out cheaper. I think in your case, the policy will be from 3000 to 5000 rubles.
But you will not receive a policy without going through a MOT (technical inspection), so you first need to go through a technical inspection. By the way, an insurance agent can tell you exactly the item with which he works.
Passing MOT (technical inspection)
Everything is not very simple here. If you follow the letter of the law, the car must be delivered to. You can drive at your own peril and risk, because if the traffic police are stopped, then the car will go to a fine parking lot, and this is very expensive, so do not risk it. The most optimal method is to call a tow truck and pull the car to the checkpoint, go through there and the coupon is in your hands. The cost is from 350 to 1000 rubles.
But as a rule, it will not work the first time, there may be something wrong, the headlight is off, there is no fire extinguisher, there is no first aid kit, etc. Therefore, you will be rolling the car several times.
There is, of course, another way, to find friends at the station, to get a MOT coupon, I think there is no need to explain further!
Register the car without a license
Let's say you have a CTP and MTPL policy on hand. You need to register the car. You can register a car for yourself, even without a license, you do not need a driver's license. This requires following documents: - passport, sales contract, vehicle title, paid receipts for registration of the vehicle, transit numbers, OSAGO policy, as well as the vehicle itself for inspection by the inspector.
Now for the money
Registration - we have 2,000 rubles (duties), numbers and a certificate of registration of the vehicle are included. If you do not bet through an official traffic police station, but there are also such ones, then plus 500 rubles for their services.
The fine for delayed transit - now they have risen in price (since September 1, 2013) from 500 to 800 rubles, if they are caught the first time, if they are caught a second time, then 5000 rubles.
In your case, we go by car to the traffic police station, you will still be issued a fine there, pay the fine and put the car on record. If you were stopped and a fine was issued to you, and then after 2 kilometers they were stopped, then we tell the inspector that we are going to the traffic police, and that you have just been given a fine, we show you, as a rule, the inspector will not write you a fine a second time in a few minutes. Upon arrival, we must pay the fine, keep the payment slip next to us, and present it to the inspector when registering the car.
Thus, in terms of money, similar to the total amount
TO - from 350 to 1000 rubles, plus either a tow truck or an "assistant" from the TO center
MTPL insurance - I think from 3000 to 5000 rubles
Car registration - 2,000 rubles, if through an auxiliary point then another 500 rubles.
The fine for late transit is 500 - 800 rubles.
If we take the maximum amount, then 1000 + (maintenance assistant or tow truck) 3000 rubles, 5000 OSAGO, setting (duties) 2500 rubles, a fine of 800 rubles. Bottom line, I emphasize once again this is a maximum of 12,300 rubles, but it may be less, for example, if you save on compulsory motor third party liability insurance, write one brother.
Here is such a layout, Alexander.
Car owners are often interested in the question of whether there is a need to take out insurance when registering a car with the traffic police. Everyone knows that when purchasing a car, used or new, the car owner is obliged to complete some bureaucratic procedures. First of all, you need to draw up a document on the sale and purchase, and the car must also undergo a technical inspection. The vehicle must be insured and. The owner of the car is obliged to register the car with the traffic police and get numbers within the time frame established by law. But is insurance necessary when registering a car? In 2017, amendments were made to the law, as a result of which changes affected whether it is necessary to insure a car by registering it with the State Inspectorate.
According to the new rules, the car owner is not obliged to provide the traffic police with documentation confirming the availability of OSAGO insurance. All the necessary data is sent to the interdepartmental portal, from where the traffic police officers receive all the information they require about a particular vehicle.
Do not assume that under such conditions the owner of the car is freed from the need to insure his car. This procedure is mandatory in order for the registration to be carried out. Absence insurance policy OSAGO is subject to penalties, a certain amount is charged for the first time, but if the rule was violated for the second time, the driver will be deprived of his rights. These actions are competent and reflected in the legislation.
In order to avoid problems, you must first familiarize yourself with what activities need to be carried out in order for the transport to be registered with the state inspection. The whole procedure is carried out in several stages, each of which deserves special consideration.
Buying a car
At the time of buying vehicle a sales contract is drawn up, it is drawn up directly at the car dealership. Such a document is concluded in 3 copies. The original is sent to the traffic police, one contract remains with the owner, the other in the car dealership.
At the next stage, the owner of the car will be issued a passport to own the vehicle. It will record information about the owner, as well as his personal signature. The serviceability of the car and the correctness of filling out the document must be checked before the procedure for drawing up the contract is started. After that, it will be difficult to change anything.
If the vehicle is purchased from hands, the purchase and sale agreement must be certified by a notary. The new rules allow the purchase of a car with already assigned license plates. All you need to do is re-register the car in your name.
MTPL agreement
The purchased vehicle is subject to compulsory insurance, ten days are allotted for this procedure. Until the insurance policy is received, you cannot use the car. OSAGO makes payments to the injured driver in the event of an accident. If the car is not insured, no money will be paid by the insurance company, all costs will have to be paid on their own.
To obtain an OSAGO policy, you need to collect a package of documents, which includes:
- passport issued for a car - PTS;
- vehicle owner's driving license;
- coupon, testifying about.
Only after all the listed documents are provided, it will be possible to obtain an insurance policy. If a question arises whether insurance is needed when registering a car, it should be borne in mind that at present this step in the registration procedure has been abolished.
New car insurance
If a car is purchased at a car dealership, the contract is concluded during the purchase process. In addition to OSAGO, the buyer is offered to purchase a CASCO policy, which is characterized by a more voluminous list of insured events and a different principle of payments, but its cost is also higher. The buyer has a choice and can opt out of this type of insurance. In the case when a car is bought on credit, the contract already implies the purchase of such insurance without fail. If cash for a car are provided immediately, the buyer can choose a convenient insurance option.
New cars do not need to undergo a technical inspection to obtain insurance. The law allows you to use a vehicle for three years from the date of issue.
Used car insurance
The car received from the previous owner has a coupon confirming the passage of a technical inspection and a CTP policy. In order not to go through all these procedures again, you can negotiate with the former owner of the car and renew the policy. This procedure will be not only convenient, but also beneficial. The seller will be refunded the money that was spent on purchasing the policy. it will be difficult, even with a positive decision, they will not be returned in full. For the buyer, this option will allow you to avoid long trips in search of a reliable insurance company, and you will also need to spend time collecting documents.
And yet you will have to contact the employees of the insurance company; you cannot make changes to the documents yourself. To conclude a contract for the insurance of a used car, you will need to collect the following documents:
- application for the provision of insurance services;
- passport;
- driver's license;
- vehicle passport;
- map with the results of technical inspection.
The contract with the insurance company for the purchase of OSAGO is concluded for one year, there are factors that may affect this period. Seasonal transport, for example motorcycles, is insured for 6-9 months. It depends on certain conditions, primarily on the characteristics of the climate. If the policy needs to be renewed, this can be done at any branch of the insurance company that originally insured the car. The previous insurance can be changed, keeping the points that were received for the absence of an accident, and accrued for driving experience.
Car registration procedure
The purchased car will need to be registered at the traffic police department within ten days. To do this, they choose an inspection for registration, where they will explain to the owner of the car whether insurance is needed when registering. To register a new or used car, you need to collect the following documents:
- vehicle passport;
- the contract concluded when buying a car;
- a document proving the identity of the owner of the car;
- OSAGO policy (optional);
- application form.
Since the portal of State Services began to operate on the Internet, it is possible to register transport using a simplified scheme. The procedure consists of several stages:
- Payment of all required government fees.
- Filling out the application form online.
- Print the application.
- Arrival at the observation deck, reception is carried out without a queue.
- Car inspection, check of engines and running sector.
- Reconciliation of numbers.
- Obtaining the results of the inspection in a documented form.
- Issuance of a state number.
The owner of the vehicle remains in possession of the Vehicle Registration Certificate, and a mark on registration is put in the vehicle's passport. From this moment on, the car is assigned a state number, if it was not there before. This stage is the final one in the procedure. From this moment on, the car is considered registered with the traffic police.
Any vehicle on the territory Russian Federation must be insured from the risk of damage to both the car and the life and health of its owner. This is what the Federal Law No. 40 "On OSAGO" tells about.
Traffic police officers must be sure that they are registering a car that the owner has previously protected from possible road accidents. Therefore, the CMTPL policy can be attributed to the list of necessary documents for the registration procedure.
But today such a need is not strictly regulated and it is possible to register a car, re-register it to another owner with a certain list of documents.
Is it necessary to confirm the presence of "car insurance"?
Already on July 10, 2017, a new procedure began to operate in our country, which regulates the registration of vehicles on the territory of the Russian Federation. One of the amendments to the order of the Ministry of Internal Affairs No. 139 says about the cancellation of the obligatory presentation of the OSAGO policy during the registration procedure.
Important! Before you become the owner of a car and take steps to register or re-register it, we recommend that you check for fines on the car. It is likely that such fines can be inherited 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 actions for the delivery of documents. If you do not have the opportunity to make a personal appearance, you can use the portal of State Services. Also, the Gosuslug portal works not only as a way to submit documents, but also as a way to make an appointment.
If you prefer to appear at the department, then you find yourself in a live queue. Upon the arrival of your turn, you receive a special coupon, which indicates a specific time and day of attendance. If the queue is significant and in the coming days they will not be able to accept you, 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.
What documents are required when registering a vehicle?
It is necessary to submit documents to the traffic police inspector. These include:
Payment of state fees
Registration of a vehicle is a paid government service. You need to pay the fee according to the details that relate specifically to your traffic police department. You can pay at any bank branch.
Also, many traffic police offices have terminals that provide assistance in paying state duties. When paying the duty through the terminal, the commission will be approximately 50 rubles.
The size state duty for vehicle registration will be 850 rubles, but only if you leave the previous numbers.
Passing technical inspection
The traffic police officer must conduct a technical inspection of the car, to make sure that the vehicle can participate in traffic and does not pose a danger to other drivers.
The technical inspection is carried out after drawing up the registration application. The inspector examines the body of the car, its engine, checks the information with the 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, a mark is put on the passage of the inspection.
Timing
For individuals there is a regulation that provides not only the procedure for passing the procedure, but also the timing.
Thus, you will have to spend from one and a half to three hours for the registration procedure. This means that you can complete all the necessary actions in one day.
Checking the availability of electronic OSAGO when staging
If a citizen has drawn up, he is not obliged to carry a printed form with him. This means that the inspector must carry out independent actions to check the availability of the policy. To do this, he can use a special base of the Ministry of Internal Affairs or the Russian Union of Auto Insurers.
By entering the citizen's data in the blank fields, the inspector will receive comprehensive information about the date of issuance of the OSAGO policy, its owner, and the insurer. If the OSAGO policy has not been issued, the inspector will not receive any data, which means that the registration procedure will be refused.
What should be the minimum contract duration?
In order to register a vehicle, its validity period must meet the minimum requirements. Today there is a requirement that assumes that the insurance policy must be valid for at least 3 calendar months. If your insurance policy was issued for a year, but it expires in less than 90 days, then you will also be denied the registration procedure.
What happens if the owner cancels the policy?
If the owner of the vehicle does not want to until the moment the car is registered, then he must be ready to receive a refusal from the employee of the insurance company. Registration cannot be carried out until the OSAGO form is provided. Very often, the traffic police department issues an insurance policy. Use this method.
Before registering a vehicle in the traffic police system, be sure to read all the rules that apply to this procedure. I would like to believe that you will not face the difficulties that will accompany this process.
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Unfortunately, not everyone can afford to buy a new car. Therefore, many citizens buy used cars from other owners. After that, new vehicle owners often face a number of difficulties. For this reason, they often ask themselves the question of whether it is possible to reissue a car without insurance? Unfortunately, at the present time, no one will register a car without an issued OSAGO policy with the traffic police. Moreover, a person who bought a used car must know that he urgently needs to go to insurance company and draw up new document... Otherwise, he will face penalties. Indeed, after the sale of the car, the validity of the previous CTP policy issued to the old owner automatically ends.
How to get it right?
After purchasing a car, the new owner is faced with a large number of organizational issues. The main one is to insure your car and register it with the traffic police. It is best to deal with such issues on your own. It is not worth contacting intermediaries and paying extra money for it. After all, you can easily run into scammers.
In addition, many motorists, after buying a car from another owner, are wondering whether it is possible to reissue a car without insurance? After all, people are not always ready to pay money for additional services. To do everything right, you need to know that it will not work to reissue a car without a CTP policy. Because it is included in the package of documents that are needed in order to register a vehicle with the traffic police.
You must provide
So, is it possible to reissue a car without insurance? As already mentioned above, without first obtaining an OSAGO policy, it is impossible to register a vehicle. Indeed, for this procedure, it is necessary to provide the following documents to the traffic police:
- an application of the established form, which, as a rule, is filled out right on the spot;
- passport of the new car owner;
- power of attorney, if an intermediary is engaged in registration;
- car documents;
- sales contract (sometimes the traffic police accept a copy, but it is better to take the original with you);
- CTP policy.
Thus, it is simply impossible to do without preliminary insurance. Moreover, without this document, no one will accept the rest of the papers. You need to know this.
Important
In the application that the car owner fills out in the traffic police, there is a certain column, it must be entered into it:
- OSAGO policy number;
- the name of the insurance company;
- the date of the conclusion of the contract.
Accordingly, the list of documents required in order to register a car with the traffic police contains an item dedicated to Therefore, it will not be possible to do without this paper. Citizens who are wondering whether it is possible to reissue a car without insurance should know that the vehicle will not be registered with the traffic police until the car owner brings the CMTPL policy. The list of documents must be complete.
Additionally
So, you can take out insurance for a car at short time, but it is best to do this immediately after purchasing the vehicle. If someone thinks that there are other options for registering a car, then he is seriously mistaken. Therefore, you should not look for ways to get around the law. Nothing will come of it. The car owner will only waste his time.
Therefore, when answering the question of whether it is possible to register a car without insurance, it must be said that this can be done only after issuing an OSAGO policy. This is the order.
Ground for refusal
If the motorist does not provide the traffic police with the MTPL policy along with a package of other documents necessary for registering the car, then the latter will be denied registration of the transport. This will be perfectly legitimate.
Experienced drivers already know that car renewal and insurance are mutually related. Because without a new CTP policy, it will not be possible to register the purchased car. These are the rules.
Do I need to change insurance?
So, as stated earlier, not all people can afford to buy a new car, so they buy a used car. But some drivers are unaware that insurance needs to be changed after purchasing a vehicle. Although, according to the law, this must be done.
In addition, after purchasing the car, the new owner must insure his car liability. This must be done within ten days after purchasing the vehicle. Then the motorist is obliged to come with all the documents to the traffic police and register the car.
If the car is insured
Often there are situations when the owner of the car is forced to sell his car urgently. At the same time, there is still a lot of time until the end of the CTP policy. What can be done in this case? First of all, after the sale of the car, the former owner has the right to ask the insurance company to return the remaining amount of funds. After all, the terms of the CTP policy are losing their force. In such cases, companies often try to withhold 20 percent of the amount requested by the client.
It is also possible to renew the insurance in the name of the car buyer. This is done if the seller does not object to it. The insurance company is not always ready to agree to such conditions, but more often than not, it does. After all, the new owner of the vehicle will assume obligations under the current policy. This means that the company will not lose a client. To perform such actions, you must provide the following package of documents to the insurance company:
- the contract itself;
- OSAGO policy;
- a receipt confirming payment for the service;
- a statement from the buyer that he wants to renew the insurance for himself.
This option is rare in practice. Because in most cases, after buying a used car, citizens try to immediately conclude an agreement and get an OSAGO policy with another insurance company. Indeed, without this document, you can not even come to the traffic police.
Therefore, those citizens who are wondering whether it is possible to reissue a car without insurance should know that, according to the current law, it will not work without an OSAGO policy.
Many citizens are wondering how to reissue a car without an OSAGO policy, if the transaction is not made under a sales contract, but under a general power of attorney? Everything is quite simple here. It is necessary to reissue the policy for the new owner and indicate his data in the policy. This can only be done by an employee of the insurance company.
To enter data about a new driver in the company, you must provide:
- OSAGO policy;
- passport of the new owner of the car;
- human rights, the data of which must be included in the insurance.
What to expect for canceling insurance?
For failure to comply with the conditions of the current law, the driver faces a fine. A person can lose 800 rubles for driving without a policy. In addition, if the car is not registered after 10 days after its purchase, then for the absence of state registration plates, the motorist will be fined 5,000 rubles. Thus, the prospects for lawbreakers are not very pleasant.
Therefore, if someone still doubts whether insurance is needed when re-registering a car, then it must be said once again that no one will register a car with the traffic police without an OSAGO policy.
Is it possible or not?
Currently, many citizens are worried that it takes a lot of time to issue an OSAGO insurance policy. In fact, this is not the case. In addition, you can even insure vehicle liability via the Internet. Such a service is suitable for those citizens who live in settlements where there is no office of a suitable insurance company. Many people do this now. Unfortunately, so far not all insurance companies provide services for issuing OSAGO policies via the Internet.
Outcome
When registering a car with the traffic police, you must follow the norms of the current law. In addition, I would like to say once again that the insurance for the purchased used car must be drawn up in advance. Otherwise, the registration of the car in the traffic police will be denied.
If someone is still wondering whether it is possible to make insurance after re-issuing a car, then you need to say again that you need to prepare an MTPL policy in advance. Otherwise, you will need to come to the traffic police with the entire package of documents one more time.