What documents are needed to apply for compulsory motor liability insurance?
Insurance companies refuse to issue MTPL policies to clients. Car owners complain about the arbitrariness of insurers. This is not the first year that the state has been trying to find a way out of the situation where vehicle owners are required to insure, but are actually deprived of this opportunity.
Managers and insurance agents do violate the rights of clients, but in some cases the refusal to issue a policy is based on legal grounds. In particular, when the owner of the car or his representative cannot provide the full package of documents necessary to conclude a contract.
The mandatory list of such documents is indicated in Article 15 of the Federal Law “On Compulsory Motor Liability Insurance”. The owner of the vehicle provides the representative of the insurance company with an “Application for concluding an agreement”, as well as:
- Civil passport (for individuals).
- Notarized power of attorney (if the policyholder is not the owner of the car).
- Certificate of state registration (for legal entities).
- Vehicle passport or certificate of registration (for special equipment, a registration certificate is allowed).
- Copies of driver's licenses of all citizens admitted to driving (when taking out a policy on the condition of “limited list of drivers”).
The car owner must also provide a valid diagnostic card, which indicates the timely completion of technical inspection and the serviceability of the vehicle. If a passenger car, motorcycle, truck (up to 3.5 tons) or trailer (semi-trailer) has been in use for less than three years, a diagnostic card is not required.
After the expiration of this period, all mentioned vehicles undergo a technical inspection every two years. After seven years, this procedure is carried out annually. The need for technical inspection of vehicles of other categories is described in a separate article, which also discusses the impact of a diagnostic card on insurance payments in case of an accident.
In most cases, when concluding an electronic contract, the insurance company does not require copies of the documents mentioned above, but has the right to request them if the data entered by the client differs from the information in the unified RCA database. When such difficulties do not arise, the car owner only needs information from the documents.
Therefore, when insuring with a limited list of drivers, you can request the following data from each of them instead of a copy of the driver’s license.
- Last name, first name and patronymic.
- Full date of birth.
- Driver's license series and number.
- Start date of driving experience.
Often, when replacing a driver’s license, traffic police officers indicate in the “Special Notes” column only the year the driver’s license began, without indicating the day and month. In this case, it must be assumed that the driver’s experience is calculated from December 31 of the year indicated in the “Special Notes”. For example, if 1980 is written in this column, the length of service is calculated from December 31, 1980.
After concluding a contract on paper, the manager is obliged to give the client a completed OSAGO policy form, a receipt (when depositing money in cash), a blank “Notice of an Accident” form, as well as a copy of the insurance rules. At the same time, the insurance policy must have the seal of the insurance company and the signature of its responsible employee.
Registration of an electronic “vehicle title” involves concluding an agreement via the Internet, therefore the car owner is not given any papers.
The insurer sends the client an electronic version of the contract by e-mail.
After receiving such a document, the car owner, if desired, can contact the nearest branch of the insurance company to receive a paper version of the policy with all related documents.
Source: https://www.inguru.ru/kalkulyator_osago/stat_kakie_dokumenty_nuzhny_dlya_oformleniya_osago
What documents are needed to apply for compulsory motor liability insurance?
As traffic flow increases, the likelihood of getting into an accident increases. The consequences of an accident are very expensive for vehicle owners. In order to minimize your own costs for restoring the operational potential of a car, it is advisable to resort to the implementation of a compulsory insurance program.
However, first you need to decide what documents are needed to insure your car.
What is OSAGO?
OSAGO is a compulsory insurance system that is regulated by law. Purchasing a policy allows you to compensate the damage caused to the car owner in the event of an insured event.
Until the adoption of the law on compulsory insurance, all disputes between participants in road accidents were resolved independently. Given the reluctance of each party to compensate for the damage, such conflict situations often led to litigation. To some extent, the law on compulsory motor liability insurance was adopted in order to reduce the burden on the country's judicial system.
Insurance companies are special commercial organizations. They can provide such services only if they have the appropriate license. The insuring party must be a company that is a member of the Russian Union of Auto Insurers.
After signing the contract, the company’s client undertakes to make regular insurance payments, and the insurer undertakes to pay the amount of compensation upon the occurrence of an insured event.
What to pay attention to when applying for compulsory motor liability insurance?
Before you begin selecting documents for obtaining compulsory motor liability insurance, you must carefully select an insurer. In the modern market for the provision of insurance services, there are a sufficient number of organizations of this type. It is advisable to choose the most optimal terms of cooperation . To do this, you should pay attention to the following points:
- Reputation of the insurance company.
- Duration of provision of services.
- Basic level of price indicators.
- Additional bonuses.
Reputation of the insurance company
When taking out an insurance policy, there is a risk of becoming a victim of fraud. In addition to companies providing insurance services, there are also brokerage firms. The latter enter into contracts on behalf of other organizations.
A very important point when choosing a suitable office is the reputation of the insurance company.
In this context, it is very important to pay attention to the duration of the organization’s presence on the market, the percentage of its payments made upon the occurrence of an insured event, as well as customer reviews.
Service provision period
Basic level of price indicators
Considering that the MTPL insurance policy is mandatory, the level of cost of such a product is determined by law. For this reason, it will be approximately the same in different companies , as a result of which there is no need to waste time looking for budget options.
Additional bonuses (accident-free driving experience)
Many companies offer their customers to participate in various loyalty programs. Bonuses are provided for each year of accident-free driving. When you subsequently take out a policy with another company, the policyholder can count on a significant discount. In this case, getting into an accident once will cancel all existing bonuses.
Before concluding an agreement with an insurance company, you need to understand what documents are needed to draw up compulsory motor liability insurance. For individuals and legal entities, the existing list will have some differences. A more similar list of documents for compulsory motor liability insurance is presented below.
| List of documents for compulsory motor liability insurance | |
| Individual | Entity |
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A power of attorney to represent the interests of a company is issued by the director of the company or his deputy.
The above-mentioned documents required for car insurance are supplemented by an application for concluding a contract (in many companies everything is completed without an application, but not everywhere).
It is filled out in the prescribed form. You can prepare the application at home or fill it out directly at the insurance location.
A certificate with insurance information from the previous company will be needed in case of early termination of the contract. Most often, the following points are noted in such a certificate:
- the number of insured events that occurred;
- nature of insured events;
- lines of insurance;
- information about insurance payments made;
- information about the unsettled claims of the injured party.
Registration procedure
The necessary package of documents has been collected, you can proceed to the actual registration of the policy. To do this, the policyholder must draw up an application and put his signature on it. You can download a sample application from the link at the end of the article.
After reconciling the data, the policyholder is provided with a sample insurance policy for subsequent completion. If everything is filled out correctly, then the representative of the insurance company signs. The original completed document with the signatures of the parties and all seals remains with the policyholder.
The formation of the cost of an insurance product will depend on various factors. The final price indicator is determined by the following points:
- car brand;
- body type;
- power of the vehicle's power plant;
- driving experience;
- age of the vehicle owner.
The cooperation agreement between the parties is concluded for 1 year . After the expiration of this period of time, it becomes necessary to conclude a new agreement. For vehicles crossing the country in transit, the cooperation period may be reduced to 6 months.
What's the result?
The necessary list of documents for car insurance can be obtained from any company providing services of this type. Taking out a compulsory motor liability insurance policy is a necessity for every road user. Without it, operating a car on public roads will not be possible.
Download
An example of filling out an application for an MTPL policy.pdf
You will be interested in:
Source: http://pravo-auto.com/kakie-dokumenty-nuzhny-dlya-straxovaniya-avtomobilya/
According to the law on compulsory civil liability insurance, Article 15 of Law 40-FZ, in order to enter into an MTPL agreement in electronic form, an individual will be required to:
- insurance application,
- passport,
- vehicle registration certificate or PTS,
- driving licenses of drivers who will be allowed to drive under the policy,
- valid diagnostic card.
The list of documents for legal entities looks slightly different:
- insurance application,
- certificate of state registration of a legal entity,
- vehicle registration certificate or PTS,
- valid diagnostic card.
Since policies for legal entities are issued with the standard condition of an unlimited number of drivers, it is not necessary to provide a driver’s license.
Application for insurance
An application for insurance is completed electronically directly in your personal account on the insurance company’s website.
Essentially, this is an online form that provides all the information on the policyholder (the one who buys the policy), the car and drivers, as well as the policy duration and usage periods.
Filling out an application is a relatively long process and requires care. In some companies, the application can take up to ten screens.
For example, in Yugoria, an application consists of five screens with online forms.
Policyholder information
Information about the owner of the car
Vehicle information
Driver information
Information about the policy validity period and periods of use
Personal passport
For individuals from the passport you will need:
- passport series and number,
- date of issue,
- information about who issued the passport,
- place of residence.
Certificate of registration of a legal entity
For legal entities, you will need to indicate the series, number and date of issue of the registration certificate, and the full name of the organization.
In addition, you will need to note whether the legal entity is an individual entrepreneur. And enter the TIN and checkpoint numbers.
Drivers' driving licenses
In cases where a policy is issued with a limited number of drivers allowed to drive, a block of information is filled out for each of them:
- FULL NAME,
- Date of Birth,
- series, number and date of issue of the driver's license,
- total driving experience.
If the driver has been driving for a long time and does not remember the exact day and month the first license was issued, then it is recommended to indicate “01.01.XXXX” (XXXX is the year the license was issued).
Diagnostic card
A valid diagnostic card confirms that the vehicle has passed technical inspection and is authorized to operate on the country's roads.
The card indicates the card number and its expiration date.
The company's validity is checked automatically through the EAISTO database.
Previous MTPL policy
A previous OSAGO policy, if it was issued last year, of course, is not required to purchase E-OSAGO.
The fact is that the company receives all the necessary information about driver accident rates, accumulated discounts and the validity period of the diagnostic card from the RSA databases. And the insurer does not need to know the number of last year’s compulsory motor liability insurance policy.
However, if you purchase a policy from the same company as before, then the previous policy may come in handy. On the websites of some insurance companies it is possible to indicate the series and number of the previous policy and pull up from the system all the information about the policyholder, car, drivers and bonus-malus coefficient.
If you use this option, you can save a lot of time on drawing up an E-MTPL agreement. Instead of 30-60 minutes (this is in the best case if the PCA check passes the first time), issuing an electronic policy will take 4-5 minutes.
1 Electronic MTPL policy 2 Who can sell electronic MTPL? 3 Checking the electronic OSAGO policy of the State Traffic Safety Inspectorate 4 How to check the KBM under OSAGO? 5 Instructions: How to issue an electronic MTPL policy 6 Questions and answers: Electronic MTPL policy 7 What does an electronic MTPL policy look like? 8 Did not pass the PCA test. What to do? 9 How to pay for an electronic MTPL policy 10 Is it necessary to obtain a paper MTPL policy when applying for an electronic one 11 Do you need a technical inspection for an electronic MTPL policy 12 What documents are needed for an electronic MTPL 13 How to terminate an electronic MTPL policy 14 How to make changes to an electronic MTPL policy
Source: https://711.ru/e-osago/kakpravilno/documents-e-osago.html
What documents are needed to apply for compulsory motor liability insurance in 2018?
OSAGO is a mandatory insurance policy. This means that the only way to drive a car without it is illegal. Every year, compulsory motor liability insurance must be reissued or extended. In order to spend as little time as possible on any of these procedures, you should know in advance what documents are needed to apply for a policy in 2018.
Mandatory insurance policy for individuals
Individuals are the largest group of insurers. This includes all citizens who own and use a car for personal purposes. To apply for a policy in 2018, they will need the following documents:
- Written statement. The insurance company issues the applicant a letterhead on which he/she draws up an application for insurance services.
- Diagnostic card. Such a document confirms the completion of a mandatory technical inspection. You should take care of obtaining a card in advance by contacting any service station. Please remember that its validity period is limited.
- Certificate of registration. If the car was purchased recently, it is permissible to provide a technical passport of the vehicle instead.
- Policyholder's passport. If the applicant is not the owner of the car, documents of both persons are submitted.
- Driver's license. If other drivers are included in the policy, their documents are also required.
When applying for an MTPL policy, remember that you are obliged to provide your insurer only with reliable information about yourself, other drivers and the vehicle.
If you try to defraud the insurance company by presenting them with a fake or invalid document, they have every right to refuse to provide their services.
The deception will be revealed in any case, because the data taken from the documents is checked in the unified RSA database.
Registration of compulsory motor liability insurance for legal entities
Legal entities include all drivers operating vehicles for work purposes. Their number is significantly smaller than the number of individuals. In 2018, individual entrepreneurs who wish to take out a compulsory motor liability insurance policy provide:
- Diagnostic card.
- Vehicle registration certificate.
- State registration certificate, which confirms that the organization has been included in the Unified State Register of Legal Entities.
- Power of attorney (if the policy is issued not by the owner of the organization himself, but by his subordinate).
- Official seal.
What documents does the policyholder receive?
The policyholder who has entered into an insurance transaction in 2018 is provided with the following documents:
- OSAGO form.
- List of compulsory insurance rules.
- Insured's memo.
- Receipt of payment.
It is important to note that in 2018, an electronic MTPL policy has the same legal force as a printed form. In addition, in 2018, it will no longer be necessary to carry a printed electronic policy with you; its availability and authenticity can be easily checked using the RCA database online.
From the moment of transfer of all papers, the newly purchased OSAGO policy comes into force. The document is valid until the period specified in it. Upon expiration, the policy must be reissued.
Source: https://osago-online-kalkulyator.ru/dokumenty-osago-2018/
Documents for compulsory motor liability insurance for a new and used car - list for paper and electronic policies
The annual increase in the number of cars on the roads inevitably leads to an increase in the number of accidents. Every car owner is faced with mandatory auto insurance in order to legally operate their vehicle. To correctly and quickly obtain insurance, it is important to know what mandatory documents for compulsory motor liability insurance must be prepared in order to obtain a policy.
What documents are needed for compulsory motor liability insurance?
The question of what documents are needed for MTPL car insurance often arises among those who have purchased their first car. The conditions for obtaining insurance remain almost unchanged from year to year.
The packages of documentation provided for a new or used car differ depending on who issues the policy (individual or legal entity).
The main thing that the policyholder must remember is that when choosing an insurance company, carefully study its reputation and check whether it is licensed by the RSA (Russian Union of Motor Insurers).
After purchasing a new car from a dealership, the seller often offers the services of the insurance company with which he has an agreement. The car owner should carefully check the history and reputation of the insurer before agreeing.
Situations often arise that a car dealership does not offer the most favorable insurance company in terms of conditions, price and bonuses. The car buyer has the right to refuse such an offer and submit an application to an insurer chosen independently.
What documents are needed for registration of compulsory motor liability insurance:
- application for registration of insurance services;
- a document proving the identity of the car owner (this could even be a foreign passport of a Russian citizen or a residence permit on the territory of the Russian Federation);
- purchase and sale agreement at a car dealership indicating the VIN of the new car;
- a copy of the vehicle title;
- a copy of a driver's license of the appropriate category;
- a notarized original power of attorney for the use of the car, if the owner cannot be present at the insurer’s office on his own.
For a used car
Buying a used car means purchasing a temporary MTPL policy for the unhindered movement of the car to the new place of registration.
The same possibility is allowed for new cars if they are registered outside the region of purchase (such insurance is issued for 20 days).
Documents for MTPL for a used car are not much different from the documentation package for a new car, but have their own characteristics :
- identification card of the new owner;
- PTS (car passport);
- technical passport for the car;
- vehicle registration certificate;
- diagnostic card confirming passing the technical inspection;
- driver's license of the appropriate category;
- a certificate from the previous insurer if the new owner chooses another insurance company.
Registration of an MTPL policy by a direct car owner (individual) requires a smaller set of papers than for individual entrepreneurs or legal entities. This is due to the fact that the number of intermediate car users and representatives of the car owner is decreasing. Documents for obtaining compulsory motor liability insurance for individuals do not differ from the list above:
- Application for insurance. Written at the company office or submitted electronically (more on this below).
- Passport of a citizen of the Russian Federation of the car owner. It is acceptable to use a foreign passport or confirmation of a residence permit in Russia.
- PTS or registration certificate.
- A valid driver's license of the required category.
- Diagnostic card (if the car is not new).
- Power of attorney if the person submitting the application is not the owner of the car.
What do legal entities and individual entrepreneurs need for MTPL insurance?
As of 2017, the list of documentation required to obtain car insurance for individual entrepreneurs (individual entrepreneurs) is no different from the package provided by individuals.
Obtaining an MTPL policy for legal entities will require several additional documents: a power of attorney for the right to act on behalf of the company, a seal of the organization, a certificate of state registration. registration (Unified State Register of Legal Entities, INN).
This is necessary because in most companies the employee, and not the direct owner, will use the car.
List of documents for compulsory motor liability insurance via the Internet
The list of documents for compulsory motor liability insurance that will be required for electronic registration is no different from those provided in the office.
When filling out the form on the insurance company’s website, you will need to enter data from the original documentation for verification through the PCA database. If there are any discrepancies, the insurer will ask you to send scanned copies.
The main thing is to correctly follow the algorithm for filling out data on the site:
- Register on the company’s resource (password and login on most sites will be an analogue of an electronic signature).
- Log in to your personal account (the order of some items may vary depending on the insurer).
- On the insurer’s page, select the “insurance – cars” section.
- Select MTPL from the offered products.
- Click “form a contract”, then click “online contract”.
- Fill in the form. At this stage, you need to be extremely careful so that you do not have to resend scanned copies of documents. You should also carefully review the additional services checked that can significantly increase the final cost of the policy.
- Calculate the cost.
- Wait for approval of the policy.
- Remit payment.
Take out MTPL insurance in 2017
According to current legislation, the car owner must apply for compulsory motor liability insurance no later than 10 days after purchasing the car (Federal Law of April 25, 2002 No. 40, part 2, article 4).
This applies to vehicles of any type and condition (new or used). You can obtain insurance from any company that is a member of the RSA.
Most insurance companies offer the service of electronic receipt of a policy, when the car owner does not even need to come to the office.
Conditions for submitting documents
When submitting documents in paper form or electronic data, it is imperative that all of them are valid at the time the policy is issued, and that the documentation package is complete.
This will reduce their processing time and reduce the likelihood of possible refusal to conclude an insurance contract.
To register a used car, it is strongly recommended to present a previous auto liability insurance policy.
What you need to consider when applying for a policy
When choosing an insurance company (insurance company), it is important to carefully familiarize yourself with its reputation, period of operation on the market, and the number of payments made. It is not recommended to prepare documents for compulsory motor liability insurance through agents or brokers.
This often leads to an increase in the cost of the policy or outright fraud. If you remain a client of one insurance company, you can count on an increase in personal bonuses under loyalty programs.
Do not choose deceptively cheap offers, as pricing (odds and rates) is determined by law and cannot differ much.
How to get an MTPL policy
The easiest way to obtain a full package of documents for compulsory motor liability insurance is to personally draw up an agreement at the insurance company office. In this case, the car owner receives not only a policy, but also a set of secondary confirmations of receipt of insurance (payment receipt, etc.). Online registration involves sending an electronic version of the policy to the issuer’s e-mail without any other documents.
On paper
Initially, it is important to pay attention to how the insurer fills out the documents. It is imperative to check the accuracy of the data entered in the application form (the employee enters them from the provided documentation himself, and does not ask the car owner to dictate), and check all additional services. After signing the contract, the owner of the car must have the following in full:
- all personal documents;
- the original policy with signatures, the seal of the Investigative Committee and the state special sign;
- OSAGO rules;
- two blank accident notification forms;
- receipt for payment of services.
In electronic form
After registering and paying for compulsory motor liability insurance online, the car owner receives a policy of the established form via email (Central Bank instructions No. 431-P, Appendix 3).
It must be printed within one business day after the conclusion of the contract. The printed form has the same legal force as one received in the office, and is required to be stored in the car with other documents.
If the car owner wants to receive a document with stamps, it can be issued for a fee.
Cost of auto liability insurance
In its pure form, the price of motor vehicle liability does not differ much between different companies in Moscow and St. Petersburg.
Various bonuses (the owner receives a discount for accident-free driving, company loyalty) and additional offers (insurance against natural disasters, fire, etc.) change the final cost of the policy.
Below are the basic maximum insurance rates for 2017 without taking into account coefficients.
| № | Insurance company name | Passenger cars | Shuttle buses (up to 16 seats) | Tractors and construction equipment | Motorcycles | Trucks up to 16 tons. |
| 1 | Rosgosstrakh | 4118 | 3370 | 1579 | 1579 | 4211 |
| 2 | VTB insurance | 4120 | 3390 | 1590 | 1590 | 4230 |
| 3 | Agreement | 4100 | 3365 | 1560 | 1560 | 4200 |
Video
Source: https://onlineadvice.ru/4574-dokumentyi-dlya-osago.html
Documents for compulsory motor liability insurance – for individuals, legal entities, individual entrepreneurs
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:
- 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).
- A valid diagnostic inspection card if the vehicle is more than 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.
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. What documents must the driver sign for MTPL insurance :
- 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).
- A valid diagnostic inspection card if the vehicle is more than 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:
Call us and our operator will help you place your order
|
Send the required documents to
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Fill out an online application for MTPL |
Source: https://avto-yslyga.ru/osago/dokumenty-dlya-osago-dlya-fizicheskogo-yuridicheskogo-lic-ip/
What documents are needed to apply for compulsory motor liability insurance?
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.
Documents for obtaining insurance
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.
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 licenses 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.
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.
It is necessary to take responsibility for the timely registration of compulsory motor liability insurance in order to avoid problems with payments in case of an accident
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.
In 2017, large insurers provide services for registration of compulsory motor liability insurance online
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.
Source: https://yxauto.ru/strahovanie/osago/dokumentyi-dlya-oformleniya-osago.html
Documents for concluding an MTPL agreement in 2018
Any vehicle owner is required to have a valid civil liability insurance policy. The legislation provides only 10 days for the driver to be able to apply for compulsory motor liability insurance after purchasing a car or otherwise taking ownership.
Concluding an insurance contract is possible in one of two ways: by personally contacting the company’s office or via the Internet by submitting an application on the official website.
The OSAGO form can also be issued by an authorized agent who provides this service for a certain percentage of each policy sold.
What documents are needed for registration?
When contacting the insurance company, the car owner must confirm ownership of the vehicle. He will also need to provide identification and some additional information. Documents for compulsory motor liability insurance in 2018 are as follows:
- statement;
- general passport;
- vehicle registration certificate;
- diagnostic card (technical inspection coupon);
- driver's license;
- old insurance policy (if available).
The application is drawn up on an approved form. It is usually issued at the office of the insurance company or downloaded from its official website. Compared to previous years, the list of documents for issuing an MTPL policy remains the same.
Diagnostic card
By providing a guarantee of compensation for material damage in the event of an accident, the insurer must be confident in the safety of its client’s car. This can only be verified by undergoing a technical inspection of the vehicle.
If there are no complaints from the service station specialists, the car owner is issued a diagnostic card, information from which is then entered into the EAISTO electronic system.
The driver must know that he will not be able to apply for compulsory motor liability insurance without a diagnostic card.
Power of attorney for registration
If the owner of the car is unable to personally obtain the insurance policy due to health or other reasons, he must sign a power of attorney granting such authority to another person. Notarization is not required for this document.
Electronic registration of compulsory motor liability insurance
In addition to the usual procedure for issuing an insurance form, the vehicle owner has the right to receive it also via the Internet. This opportunity is provided by most large companies operating in the Russian market.
To apply for an MTPL policy online, a citizen must submit an application on the official website of the insurer. Entering the necessary information about documents (number, series, name) occurs through a special form.
There is no need to upload scanned copies of your registration certificate or other identification documents.
Payment for insurance and issuance of a completed form also occurs via the Internet. Money is transferred using a bank card. The policy is sent as a PDF file to the email specified during registration. The vehicle owner will then have to print out the form.
Cost and terms
Citizens have the right to independently choose an insurance company based on its pricing policy and the availability of additional discounts. However, before buying a compulsory motor liability insurance policy, it is recommended to find out its exact cost in advance. This can be done using an online calculator on the insurance company’s website.
Insurance benefits
If there are no accidents caused by the driver during the current year, he is entitled to a discount when purchasing compulsory motor liability insurance. Its size is calculated based on the current KBM. Depending on the length of the accident-free driving period, the amount of the payment benefit can range from 10 to 50%.
Drivers who have an accident due to their own fault will have to insure their car at a higher price. The markup will be 50-255% of the base tariff.
Insurance Rate Coefficients
To determine the exact cost of compulsory motor insurance, most car enthusiasts use online calculators. This significantly speeds up the calculation of the final policy price. If the driver does not have access to the Internet, then he can calculate the cost of insurance on his own by finding out the base rate for his car and the size of the discount/surcharge.
It is impossible to calculate the OSAGO coefficient; it is determined by the Central Bank of the Russian Federation. You can find out the cost of the policy by multiplying this parameter with the base rate. Each insurance company applies the following coefficients:
- region of registration (for large cities it is higher);
- for whom the insurance is issued (individual or legal entity);
- type of vehicle (car, SUV, minibus);
- violation rate;
- engine power;
- the number of persons included in the policy;
- driver age;
- driving experience;
- bonus-malus ratio.
In addition, some insurance companies may provide a discount depending on the duration of the contract. If the policy is issued for one and a half or two years, the benefit can range from 5 to 15% of the total cost.
Life insurance
The MTPL agreement guarantees the payment of monetary compensation not only for material damage caused, but also for physical damage.
If the policy owner is the culprit of an accident that results in injuries, each of them will receive compensation for the damage caused to their health. Family members of the deceased may also be eligible for compensation.
The maximum amount of monetary compensation for damage to life and health is 500 thousand rubles for each victim.
Is a car needed when registering?
Presentation of the car is not required to confirm ownership. The car must be provided only for technical inspection at a service station. Without this procedure, the diagnostic card required for issuing an MTPL policy will not be issued.
Refusal to conclude a contract
Auto liability insurance is regulated by the state. This applies not only to the licensing of market participants and the establishment of basic tariffs, but also to the procedure for issuing a policy.
In particular, the insurance company does not have the right to refuse to conclude a compulsory motor liability insurance agreement if the citizen does not want to purchase additional services (property insurance, etc.). This norm is specified in paragraph 2 of Art.
15 Federal Law “On the Protection of Consumer Rights”.
Thus, a citizen has the right to take out a compulsory motor liability insurance policy, regardless of the additional conditions put forward by the policyholder. Refusal to conclude an agreement is unlawful even if the driver was previously convicted of intentionally causing an accident in order to receive monetary compensation.
Since MTPL is a compulsory type of insurance, even such clients have every right to take out a policy for the next year. However, in such cases, a violation coefficient will be applied to them, the amount of which is approved by the Central Bank of the Russian Federation.
This will increase the cost of insurance by 50% of the base rate.
Results
The procedure for registering compulsory motor liability insurance is quite simple, regardless of the method of concluding the contract. In 2018, a rule was introduced into the legislation allowing for the possibility of obtaining an electronic form. This further simplified the procedure for issuing compulsory motor liability insurance.
Now citizens do not have to visit the office of the insurance company, but draw up a contract via the Internet. Drivers were also given the right to choose, regardless of their geographical location. An application for a compulsory motor liability insurance policy is submitted on the insurance company’s website.
Its office can be located in any region of the country.
Source: http://voditel.guru/strahovanie/osago/kakie-dokumenty-ponadobyatsya
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