Look at the topic - What is the minimum insurance period for registration?
Many car enthusiasts have a problem when they have purchased a car, but may no longer have enough money for various kinds of formalities, or they really want to save money.
Among the most expensive of these formalities is the purchase of a compulsory motor liability insurance policy for the possibility of registering a car. But it can be purchased for various periods, and its price directly depends on this.
What is the minimum insurance period for registering a car with the traffic police and whether it is possible to register a car with insurance for 20 days, let's find out!
Let's start with the very basics - legislative regulation of the obligation to have insurance and finding out what the deadlines are for compulsory motor liability insurance.
What is required to have insurance for registration?
This obligation is prescribed by 2 legal acts at once: the Federal Law “On Compulsory Motor Liability Insurance” and the rules for registering vehicles (Order No. 1001). According to the latter, after we acquire ownership of the car, we are obliged to register it in our name with the traffic police within 10 days.
Moreover, it is incorrect to say “register” in this context - this is only the re-registration of the car with a change in the owner in the necessary documents. And the car is already registered with the traffic police.
The Federal Law “On Compulsory Motor Liability Insurance”, in turn, prescribes the obligation to buy insurance within the same 10 days after purchasing the car.
The countdown of 10 days in both regulations begins from the date of signing the purchase and sale agreement.
Where are the terms of insurance regulated?
In the Federal Law “On Compulsory Motor Liability Insurance”. Here you should separate the insurance period and the period of use of the car, then you will understand the answer to the question.
So, the insurance period (conclusion of a standard OSAGO contract) is always 1 year. But the period of use of the machine may be less, but not less than 3 months.
At the same time, do not forget that with limited use of the car, an increased coefficient is applied when calculating the cost of the policy. This means that the price of insurance for 3 months will be higher than if you simply take a 12-month policy and divide it by four.
Is insurance for 20 days suitable for registration?
No, it won’t work, and here’s why! Although, indeed, the legislation in force in 2018 allows you to insure a car for such a short period of only 20 days, certain conditions are required for this to be possible. But the main thing is that a 20-day policy is not suitable for registering a car with the traffic police.
Let's start with the fact that such insurance is called “transit”. And it is possible under the following conditions:
- to drive the car to the place of registration at the traffic police,
- to drive the car to the inspection site.
At the same time, the law directly states that in both cases, in order to register, a contract must be concluded for one year (although it is possible with a minimum period of use of the vehicle, as we discussed above).
Thus, it will not be possible to register a car with a minimum insurance period of 20 days.
Source: https://AutoTonkosti.ru/q/kakoy-minimalnyy-srok-strahovki-dlya-postanovki-na-uchyot
Minimum MTPL insurance period for registration
Any car owner in Russia knows that according to insurance law, he must buy an MTPL policy. Since the adoption of the law on compulsory motor insurance, various amendments have been made several times.
Previously, in order to pass a technical inspection, you had to already have insurance. Now, to apply for a policy, you need to have a technical inspection document or diagnostic card with you, which must be valid at the time of signing the insurance contract.
The law established in the Russian Federation obliges car owners, from the moment of completing a technical inspection, to enter into a contract of compulsory motor third-party liability insurance.
For individuals
In 2015, private car owners whose cars are registered outside of Russia must issue a policy within five to fifteen days.
If a car owner goes to the place of re-registration or to obtain a technical inspection report, then the law allows the conclusion of a car insurance contract for fifteen to twenty days. In other cases, the insurance policy is issued for a period of one year with the condition that the technical inspection is not overdue.
The car owner can choose the term of his policy, but at the same time, if he chooses insurance for only a few months, he will overpay significantly more later.
When a car owner will use his car for only a few months a year, when concluding a policy, he can indicate during which periods he will use the vehicle.
For legal entities
Not only individuals, but also persons with legal status must have an MTPL policy. The validity time limits that are established by the generally recognized state MTPL insurance are very small, so in order to insure themselves, anyone can take out an additional policy.
For legal entities, as well as for private ones, it is necessary to have a valid technical inspection to issue an insurance policy. Companies that have a large fleet of vehicles must issue a policy for each vehicle separately.
This is natural, since in the event of an emergency, liability under the law is borne by the car and its driver who were found to be at fault, and not by the organization as a whole. In addition, according to the law, insurance coverage depends on the place of registration of the car.
For legal entities, the legislation provides for the following terms for obtaining car insurance:
- up to fifteen days and above;
- from six months;
- year.
If the owner of the car uses it temporarily and, moreover, the vehicle is registered outside of Russia, then he must enter into a mandatory car insurance contract. For such cases, a policy is issued for a period of at least fifteen days.
But for specialized equipment intended for agriculture, involved in construction, installation and other work, the minimum period has been reduced to six months.
Minimum policy period
For new passenger cars, the policy validity period is one year. But depending on the age of the driver and his driving experience, this period, as well as the cost of the policy, can vary significantly.
Despite the fact that the policy has a standard validity period, car insurance has its own characteristics. In some situations, which are stipulated by law, a temporary policy may be issued with a validity of only fifteen or twenty days. The policy can also be issued for three months.
In fact, the insurance will have a validity period of less than a year. This approach is very convenient for summer residents who use their car only in the summer for country trips.
Legal entities try to calculate and plan when and how they will operate their vehicles, therefore they try to issue insurance policies as profitably as possible, taking into account its validity period. Most often, their annual policy completely coincides with the period of use of their vehicles.
The following car owners may have a short validity period of the annual policy:
- summer residents, tourists who use their own transport in the summer;
- drivers who planned to sell a car;
- citizens who often go on business trips and long trips outside the country.
How to renew the policy
A standard MTPL car insurance contract is usually concluded for a year. But in the column, photo 2, the terms of its use may indicate a period of up to three and six months. Typically, such terms are indicated by car owners who are summer residents or those who plan to sell their car in the near future.
When, in the case of a sale, the transaction does not take place, the car owner can contact his insurer and extend the term of the issued policy.
If the driver plans to continue cooperation with the same insurance company where the policy was previously concluded, then upon application, the insurance is automatically renewed.
Most likely, you won’t even have to go to the office to sign documents. All necessary package will be delivered by courier to the specified location.
You should also know that if the insurance company extended the validity of the contract, but did not hand over the documents, the car owner may have troubles with representatives of the road inspection.
How can you save money?
The car insurance contract contains columns indicating its validity period. Usually the contract is drawn up for a year, but these clauses are provided so that you can independently regulate the period of validity of the policy. This approach is convenient for that category of car owners who do not use their vehicles all year round.
So, for example, they first take out a policy for a year, but with the condition of using it for three months, then they extend it for the same amount, and then pay for the remaining six months.
You can also save by participating in various promotions that insurance companies organize to encourage and attract customers.
In Russia, legislation does not provide for any discounts; they can only be at the initiative of insurance companies.
Minimum period of compulsory motor liability insurance for delivery for registration
In order to register a car with the state, you must have a valid MTPL policy. Usually, an insurance contract for a period of up to one year is required immediately.
But depending on the circumstances, the car owner can choose the type of insurance that is most convenient for him. The minimum contract period in order to register a car must be three months.
When you take out transit insurance with a validity period of up to twenty days, you will not be able to register the car with the traffic police, since it is only for transportation. And for accounting you will have to purchase a separate policy for a year.
An MTPL policy is almost always issued for a year, but how long it will be valid depends on the car owner.
Moreover, the legislation of the Russian Federation does not make any special distinction between private individuals and legal entities. Almost the same legal norms are provided for legal entities.
Regression under compulsory motor liability insurance is discussed here.
About technical inspection for compulsory motor third party liability insurance (MTPL) is described at this link.
Source: http://prostrahovanie24.ru/auto/osago/minimalnyj-srok-strahovanija-osago.html
Minimum MTPL insurance period in 2018 – which car to register?
The article will discuss the minimum terms of MTPL insurance. What is its purpose, how to increase the period of use of insurance, and what is the amount of the penalty - further.
Concluding an agreement on motor third party liability insurance is the responsibility of every car owner who travels across the territory of the Russian Federation by car.
An agreement is concluded for a certain period. What is the minimum term in 2018?
Key Aspects
The minimum period of compulsory motor liability insurance is affected by the type of vehicle. A certain category has its own period of automobile citizenship.
There are 3 main categories:
- cars registered in another country, after which they came to Russia;
- transit vehicle;
- A vehicle that is operated within the Russian state on an ongoing basis.
The benefits of purchasing a 1-year compulsory motor liability insurance policy are noticeable. Despite the advantages of re-registration once every 3 months, the final result will cost the car owner more.
The cost of insurance, which is issued for a year, will correspond to the figure established in the insurance policy at the time of purchase.
It won't change even if the price of insurance goes up. At the time of payment of the document, the total number of months in the year is taken into account.
The choice of insurance period has the following features:
- issuing for a year is more profitable; if the policy is valid for a shorter period, the price for it will be higher;
- the cost of car insurance does not change throughout the year, regardless of any factors;
- when taking out insurance for a short period, it is necessary to clarify the price for ready-made insurance;
- the car owner has the right to take out a policy for several months with the right to extend the period;
- When paying for a document, only the total number of months is taken into account.
The MTPL insurance policy begins to be valid after the conclusion of the agreement - if the car is new. If used - the next day.
In accordance with current legislation, the minimum period for issuing an MTPL policy is 3 months.
There are 2 exceptions to this rule:
| The car insurance contract is concluded for a period of up to 20 days | If, after purchasing (inheriting or donating) a vehicle, it is taken for registration |
| OSAGO is issued for six months | With the possibility of extension for 1 year if the car is used during a specific season |
In other cases, the minimum insurance period is 90 days. The auto liability policy begins to operate from the moment the agreement is concluded.
If an individual applies to an insurance company with the intention of signing an insurance contract for 3 months, the organization does not have the right to refuse.
Legal entities do not have the opportunity to draw up a document for 3 months. For them, the minimum period is 180 days.
What you need to know
Do not confuse OSAGO and CASCO. The first is an insured liability to a third party, and the second is purchased to reduce costs in the event of a road traffic situation.
A car insurance policy is mandatory; CASCO insurance is issued at the request of the car owner.
In the event of an accident, compensation is paid to the victim, and the guilty person receives nothing - in the case of compulsory motor liability insurance.
When applying for CASCO insurance, the culprit has the right to repair his vehicle or receive compensation in money.
To obtain a new policy, you must collect the following documentation:
To avoid administrative liability, it is necessary to extend the validity of the insurance document.
When purchasing an insurance policy for a minimum period of use, you should know the features of the procedure:
- payment for insurance is made from the amount specified in the agreement;
- By drawing up a contract for a minimum period, it will be possible to extend it in the future. But during this time, the cost of the document may change - not in favor of the car owner;
- the policy can be purchased in installments, for example, at Rosgosstrakh;
- The car owner has the right to divide the period of use into months.
An auto liability policy is important for vehicle owners.
What is its purpose
OSAGO insurance policy is a document confirming the agreement concluded between the car owner and the insurance company.
A motor vehicle insurance policy guarantees the person injured in a traffic accident compensation for damages to repair the car.
A motor vehicle liability insurance policy is required for the following categories:
- for foreigners and those who are not residents of the Russian Federation - the vehicle has foreign license plates;
- cars that go to the place for registration and entry into the Register database;
- during registration and after it - for those vehicles that are permanently in the country.
If the owner of the car does not have a car insurance policy, he will face administrative liability.
The legislative framework
Legal regulations state that a person driving a vehicle must be insured.
Article 15 of Federal Law No. 40 establishes a list of documents required to obtain insurance. In accordance with Article 12.37 of the Code of Administrative Offenses, liability for driving without an insurance policy is established - a fine.
What is the minimum period of car insurance under OSAGO?
Before determining the minimum period of insurance, you should understand how the period of validity of the policy differs from the time of its use. The validity period never changes and is equal to one year.
The minimum period differs depending on the type of transport, its place of registration and other factors.
Also, the deadlines are different for legal entities and individuals. For the first category the minimum period is six months, for the second – 3 months.
Insurance calculation methods are established based on the dependence of the price on the time of use of the document. If you use it for 3 months, you will have to pay half the amount. The coefficient in this case is 0.5.
The longer the period, the closer the indicator will approach unity:
| For 4 months | 0,6 |
| At 5 | 0,65 |
| Six months | 0,7 |
| 7 months | 0,8 |
| 8 months | 0,9 |
| 9 | 0,95 |
| 10 and 11 months | Equal to the cost per year |
When concluding compulsory motor liability insurance for a minimum period, no additional documentation is required. Therefore, it is necessary to monitor the validity period of the policy so that it does not expire.
Validity
Owners of vehicles that are registered in another country, but stay within the Russian Federation for no more than 14 days, must purchase insurance for 5-15 days.
A transit vehicle that moves to a permanent place of use is insured for 20 days.
The remaining vehicles that are in permanent use on the territory of the Russian Federation should enter into an agreement for 1 year.
But the insurance year is not always equal to the calendar year. If the car is used for less than 1 year, the insurance policy is issued for a shorter period.
How can I extend the period of use?
The annual cost of MTPL insurance is a constant value. According to general rules, the agreement is concluded for 1 year. Such information is contained in the corner of the policy, on the right.
If the owner of the vehicle plans to sell it, the car is insured for a minimum period. This will save money.
For the 9 months that remain, the owner will have to pay half the cost of compulsory motor liability insurance for the year. Same cost as 3 months.
That is, paying 0.7 OSAGO per year for the first half of the year, 0.3 insurance per year is paid for the subsequent one.
If the car owner plans to use the services of the same insurance company in the future, the policy is automatically renewed.
To do this, you will need to call the company’s office a few days before the expiration date of the document and ask where and when it will be possible to pay and receive new insurance. Some companies offer to obtain the policy at home.
If the owner of the vehicle wishes to change the insurance company, he is obliged to notify the insurer about this 2 months before the compulsory motor liability insurance ceases to be valid.
The company will issue a certificate indicating information about the owner of the car for the new insurance company. It will be issued within 5 days.
Calculation method for a shorter period
Regardless of the fact that an insurance company may require you to purchase insurance for a year, the owner of a vehicle has the right to purchase it for a shorter period.
When calculating the costs, you will notice that issuing a document for a short period will be more expensive.
Video: validity period of the MTPL policy
Insurance issued for 3 months will cost half the cost of the insurance year; for 6 months - 70%, 10-11 months cost the same as insurance for 1 year.
Amount of fines to be paid
The law establishes sanctions for non-compliance with the requirements regarding the availability of an insurance policy for the driver.
The extent of liability depends on the circumstances:
- complete absence of document - not issued;
- the driver is not included in the policy;
- the insurance period has expired;
- The driver does not have MTPL with him, but it was issued.
If the policy was issued online, then it is not necessary to have it in hand. The patrol officer will check the availability of the document in the database.
If there is no insurance at all, then the culprit will face a fine of 800 rubles. Until 2014, in addition to a fine, the driver also faced evacuation of the vehicle and removal of license plates.
If there is an MTPL agreement, but the driver is not included in it, then the fine is 500 rubles. Traveling with an expired policy is equivalent to not having one.
That is, the fine is 800 rubles. If the document is drawn up, but the driver does not take it with him, he will be fined half a thousand.
If the car owner drove the car outside the permitted period, the fine will be 500 rubles.
That is, the amount of the fine ranges from five thousand to 800 rubles. Its size is regulated by current legislation.
Thus, it is possible to take out short-term insurance. The minimum period is 3 months. At the request of the owner of the vehicle, the period can be extended.
Taking out an agreement for a short period will only be beneficial if the car is used for a specific period specified in the insurance contract.
Source: http://jurist-protect.ru/minimalnyj-srok-strahovanija-osago/
Inspection of the car during registration before submitting documents to the traffic police from July 10, 2017
Good afternoon, dear reader.
This article will discuss the changes that have been made to the Administrative Regulations of the Ministry of Internal Affairs of the Russian Federation for the provision of state services for the registration of motor vehicles and their trailers starting from July 10, 2017.
Let me remind you that as of July 10, 2017, changes also came into effect in the rules for registering motor vehicles, discussed in a separate article.
In this article you will learn about the following innovations:
Let's get started.
Providing a compulsory motor liability insurance policy at the driver's request
The first important change relates to the MTPL policy, which was previously required to be provided to the traffic police when registering a car:
An exhaustive list of documents required in accordance with regulatory legal acts for the provision of public services, which are necessary and mandatory for the provision of public services, to be submitted by the applicant, methods for receiving them by the applicant, including in electronic form, the procedure for their submission
15.6. Insurance policy of compulsory civil liability insurance of the owner of a vehicle in cases where the obligation to insure civil liability is established by the legislation of the Russian Federation.
Until July 10, 2017, the driver had to provide a paper MTPL policy when contacting the traffic police, but now the insurance policy is excluded from the list of required documents.
Please note, this does not mean that the driver may not have compulsory motor liability insurance at all . Insurance must be purchased, but traffic police officers can check information about it independently through the system of interdepartmental interaction.
An exhaustive list of documents required in accordance with regulatory legal acts for the provision of public services, which are at the disposal of state bodies, local governments and other bodies involved in the provision of state and municipal services, and which the applicant has the right to submit on his own initiative
17.5. Insurance policy of compulsory civil liability insurance of the vehicle owner. Information confirming the issuance of the policy is requested through information systems designed to support the activities of the State Traffic Inspectorate, or through the system of interdepartmental electronic interaction.
The driver can also bring an MTPL policy on his own initiative. In any case, I recommend taking MTPL with you, because... in case of technical problems, the traffic police will be able to confirm that you really have insurance.
Providing the vehicle for inspection before submitting documents
Another important innovation:
If an application is submitted using the Unified Portal, the applicant has the right to provide the vehicle for inspection before the document verification procedure. In this case, the originals of documents previously submitted using the Unified Portal are submitted to the registration department with an application containing the service marks of the employee inspecting the vehicle.
https://www.youtube.com/watch?v=YSq0f4Ht5gM
If the driver signs up to register a car through the government services portal, then the traffic police can immediately go to the site to inspect the vehicles. In this case, the driver must have a statement printed from the government services portal. It is in this application that a mark is placed on the inspection of the car.
After completing the check, the driver submits all available documents to the department.
Please note that the driver has the right to undergo inspection before submitting documents, but this is not an obligation. Those. If the driver first submits documents and only then goes to the inspection site, this will not be a violation of the procedure. However, I recommend that you first undergo an inspection and then submit all documents at the registration “window”. This will allow the driver to save time.
Instructions for registering a car through government services
Additional documents for registration actions
Starting from July 10, 2017, the list of documents required when registering a car has been expanded:
15.4.1. Vehicle documents:...
- documents on temporary import of vehicles into the territory of the Russian Federation for a period of more than 6 months, issued by customs authorities;
…
15.10. Documents confirming the fact of disposal of the vehicle.
15.11. Resolutions of the bodies carrying out the preliminary investigation, with the provision of a certified copy of the research certificate or examination report containing the results of the research on the basis of which the vehicle was identified, issued by the bodies (organizations) authorized to conduct these studies.
The new list of required documents includes:
- documents on temporary import of a car;
- documents confirming disposal;
- documents from experts on the basis of which the vehicle was identified.
Please note that these documents only need to be provided if you have them.
For example, if a car was previously stolen and subsequently found with altered license plates, then an expert’s document will be required confirming that it is indeed “the same” car.
Combining the concepts of “deregistration” and “termination of registration”
9. The result of providing a public service is:…
- termination of registration or refusal to terminate registration of a vehicle;
- deregistration of a vehicle or refusal to deregister.
9. The result of providing a public service is:…
- termination of registration (deregistration) or refusal to terminate registration (deregistration) of a vehicle.
Previously, there were two separate procedures (deregistration and termination of registration), however, since July 10, 2017, both of these concepts mean the same action. Let me remind you that similar changes were also made to the registration rules, as discussed in the previous article.
Publication of applications for registration on the official website of the traffic police
Another important rule is spelled out in the new paragraph 30.6 of the administrative regulations:
30.6. Applicants are provided with the opportunity to obtain information about the procedure for providing public services, as well as copy application forms on the official website of the State Traffic Inspectorate on the Internet and the Unified Portal.
Its essence lies in the fact that application forms for registration actions should now be available both on the official website of the State Traffic Safety Inspectorate and on the government services portal. Previously, car owners had questions about where to get application forms.
Many, not finding empty forms, turned to third-party organizations that provide services for filling out applications on a paid basis.
If you wish, you can now pay 300 - 500 rubles for filling out several fields of the document, however, if there are forms on the official website of the traffic police, this does not make much sense.
In conclusion, I would like to note that this article discusses only the most interesting changes in administrative regulations. The full text of the updated document can be found here:
Administrative regulations of the Ministry of Internal Affairs of the Russian Federation for registration of vehicles
Source: https://pddmaster.ru/documentsnews/reglament-registracii-s-10-07-2017.html
Is it possible to register a car with the traffic police without insurance?
Legally, a person becomes the owner of a car only after registering it. To do 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. Having an MTPL policy is a mandatory measure established by law.
What the law says
All cars are subject to compulsory insurance against damage caused by road users on the basis of the MTPL law.
The obligation to insure vehicles arises after purchasing a car . After all, during its operation, situations may arise that lead to damage.
The person responsible for the accident must compensate the victim for damages. Insurance gives the right to pay out of the insured amounts.
Is it possible to register a car without an MTPL policy?
It is impossible to register a car with the inspectorate without first insuring it. When registering a car, the new owner submits to the traffic police specialists a certain package of documentation, which includes an insurance policy.
It is processed quite quickly. If the owner of the car wants to go the other way and tries to register it without insurance, he will not succeed.
Before being registered, a car must undergo a thorough check before an inspector allows it to go on the road. The pre-insurance rule implies a test in itself. After all, the policy will not be issued until the car passes technical inspection. inspection.
Therefore, automobile inspectors will not allow you to circumvent this rule. It turns out that the general scheme of actions when registering consists of the following stages:
- Passing a technical inspection of the car. This procedure is carried out by special technical centers. The specialists of this organization will check the serviceability of the machine and put the appropriate marks on the diagnostic card.
- Registration of insurance. Now this can be done without leaving home via the Internet. Registration is carried out quite quickly. On the day of application, you can print a copy of the insurance online, which is also considered a valid document. When applying for 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 submission of documentation to the traffic police inspector.
Responsibility
If the new owner did not take care of insurance before registering the car, he will face the following troubles:
- Refusal to register a vehicle . The insurance policy is included in the list of mandatory documentation when registering a car with the inspectorate.
- The amount of administrative liability is 800 rubles . And even after paying the fine, you must take out MTPL insurance.
According to the law, you can register a car within 10 days after the purchase transaction is completed. Accordingly, during this time you can freely have time to insure your vehicle and safely register your car.
At the same time, you can even drive the purchased car; no one will fine the driver. The main thing is to have a car purchase and sale agreement with you. If everything is done correctly within the time limits established by law, the new owner will not have to pay a fine.
But when registration is carried out after ten days from the date of purchase and sale, the new owner will face a fine.
OSAGO calculator
Source: http://cabinet-lawyer.ru/avtopravo/nuzhna-li-strakhovka-pri-postanovke-avtomobilya-na-uchet.html
For what minimum period can you apply for compulsory motor liability insurance?
An MTPL insurance policy is a document that must be issued by every car owner, regardless of his length of service or category of vehicle. This insurance protects the driver's liability to other road users. That is, if its owner becomes the culprit of an accident, the damage to other participants in the accident will be paid by none other than the insurer.
The compulsory car insurance contract is strictly limited in duration. Most vehicle owners take out such insurance for one year, but in practice, not all drivers regularly drive.
It is for such clients that special short-term motor third party liability insurance is provided.
For what minimum period can you apply for compulsory motor liability insurance? Is it possible to extend the policy? How to calculate its cost? We'll talk about this in this article.
Features of short-term insurance
Most insurance companies provide their clients with such a service as short-term car insurance. This type of insurance is especially popular among a certain category of citizens. So, who can get compulsory motor insurance for the minimum period? Any client can shorten the policy period if the following situations occur:
- If the car is used only in the warm season;
- When selling a vehicle;
- When the policyholder leaves for a long business trip.
For such cases, the insurance contract contains two columns at once. In the first of them – “Insurance period” – the total duration of the policy is indicated - 1 year. The second, which is called “Period of Use,” includes certain months during which the vehicle will be used by its owner.
Today, the minimum period of MTPL insurance is 3 months. This means that, unfortunately, you will not be able to buy a policy for a shorter period. The following motorists are exceptions:
- Foreign citizens whose vehicles are registered abroad;
- Drivers driving their cars to the place of registration;
- Drivers moving their vehicles to undergo technical inspection.
It should be borne in mind that from an economic point of view, short-term insurance is not the most profitable way of protection. This means that drivers who take out MTPL for 3 months risk spending a much larger amount each month than owners of a standard policy. Moreover, this rule applies exclusively to individuals. As for organizations, they have the right to purchase such insurance only for specialized equipment, for example, snow removal, watering and garbage collection vehicles. In this case, the period of use of the policy must be at least 6 months.
Calculation of the cost of the policy
One of the first questions that a driver has when buying a car is the cost of an insurance policy. The price for compulsory motor liability insurance is clearly regulated by current legislation.
To calculate it, special coefficients have been established, and the tariff rate itself is calculated based on the category of the vehicle, as well as its purpose - personal or commercial.
In addition, it is influenced by the following features:
Pay attention to the last paragraph indicating the validity period of the insurance contract. This means that policies with a shorter duration have increased cost calculation coefficients.
As practice shows, the price for compulsory motor liability insurance for 3 months is approximately half the cost of regular insurance.
However, you have the opportunity to save money - just renew your existing policy for the remaining 6-9 months at the same price.
How to renew your insurance?
Each holder of short-term insurance has the right to extend the period of use of their insurance for any period - up to the end of the policy year.
Be prepared that in this case you will have to pay half the cost of the annual compulsory motor liability insurance.
For example, if for some reason the sale of the vehicle did not take place or the trip abroad was canceled at the last minute, you can contact the insurance company at any time with a corresponding statement.
Anti-insurance – standard block
Moreover, each client can submit an application to the Investigative Committee via the Internet. To do this, register on the organization’s website and fill out a special form. As soon as insurance employees carry out all the necessary checks, the client will receive his extended electronic policy. The cost of insurance remains the same as when it was issued in the office.
In both cases, you will need the following set of documents:
- Passport;
- Insurance contract;
- Vehicle registration certificate or its passport;
- Driver's licenses of all persons authorized to drive a vehicle;
- Vehicle diagnostic card.
By dividing the insurance period into 2-3 short-term periods, the policyholder thereby has the opportunity to pay for the policy in installments. But this type of insurance has its drawbacks. For example, it is necessary to constantly monitor the expiration date of the contract, since in case of delay the client will be forced to significantly overpay for compulsory motor liability insurance.
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Source: http://AntiStrahovoy.ru/na-kakoj-minimalnyj-srok-mozhno-oformit-osago.html
What is the minimum insurance period for compulsory motor third party liability insurance?
It is the responsibility of every vehicle owner to purchase an MTPL policy.
Compulsory motor third party liability insurance provides financial protection in case of damage to vehicles in an accident. The basis for insurance payments is the availability of valid insurance.
The minimum period of MTPL insurance depends on the type of transport used and the circumstances of the conclusion of the contract.
Features of determining the insurance period
When selling a vehicle quickly, as well as during seasonal use, insurance for the whole year is not required. You should know the basic rules for issuing short-term policies and the features of settlements for them.
According to the current legislation in the field of insurance, the minimum insurance period is determined depending on the category of transport within which the period is valid:
- funds registered within Russia;
- transit transport passing through the territory of the country;
- Vehicles registered abroad but operated in Russia.
For cars registered and used in Russia on an ongoing basis, a single period applies, less than which compulsory insurance is not possible. This year, the minimum validity period of a standard MTPL agreement is 3 months.
The influence of the term on the cost of the policy
The current formula for calculating insurance provides for a direct relationship between the insurance period and the price of the policy - the shorter the period, the lower the motorist’s costs.
To determine the exact cost, to determine the value of the coefficient (Kc), use the table data:
| Number of months of insurance validity | Kc value |
| 3 | 0,5 |
| 4 | 0,6 |
| 5 | 0,65 |
| 6 | 0,7 |
| 7 | 0,8 |
| 8 | 0,9 |
| 9 | 0,95 |
According to the table, it is most profitable to enter into an annual contract with the insurer, because even a 9-month policy will require almost full payment - 95% of the annual cost.
Recommendations for determining the optimal period of compulsory motor liability insurance
According to the established calculation, an annual insurance policy will cost less than taking out several insurance policies throughout the year. Therefore, if there is no firm certainty that insurance will no longer be needed, it is recommended to insure for the full term.
You cannot change the cost of annual insurance, but purchasing insurance for a shorter period carries the risk of increasing the overall price level.
If the car is not used for the whole year, you can take out a policy for several months with a choice of months during which it will be valid.
For example, if the car is used exclusively in summer or is absent for a long time, you can define the insurance period as the period from April to October, or allocate 2-3 months during the winter and 2-3 months during the summer, etc.
In the future, if additional connection of the insurance period is required, a partial extension is allowed.
Other minimum terms
If the car is registered outside the Federation, different insurance rules apply. If the car crosses the border for a period of up to 14 calendar days, it is allowed to purchase a policy for a period of 5-15 days.
Transit vehicles in Russia en route to their final destination, as well as vehicles sent for inspection at a specific point, are subject to compulsory insurance for a 20-day period. If the policy is not issued on a permanent basis later, the funds must be expelled from the Russian Federation.
In the video about the validity period of the MTPL policy
If vehicles are used to travel on Russian roads, an insurance policy is purchased for the entire insurance year. This applies to cars used on an ongoing basis.
In case of operation for a shorter period of time, the price and term of the policy are reduced: the sale of a vehicle entails the possibility of obtaining insurance services for a shorter period of time.
If the purchase and sale transaction falls through, the car owner will be able to issue an extension by paying for it at a price determined taking into account the established Cs.
Source: http://ru-act.com/avtoyurist/kakoj-minimalnyj-srok-straxovaniya-po-osago.html
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