Is a compulsory motor liability insurance policy valid without a technical inspection?

Is it possible to get insurance without a technical inspection?

Each owner of a vehicle, in accordance with Article 40 of the Law “On Compulsory Motor Liability Insurance” of 2003, must insure his liability to third parties and only after that get behind the wheel of his car and drive on the roads. In addition to the compulsory insurance contract, the motorist must check the technical condition of his “iron friend”. In this case, the question arises: can you get insurance without a technical inspection?

OSAGO without technical inspection

It is indeed possible to obtain an MTPL policy without a diagnostic card. However, not all vehicle owners can count on this. According to the law, vehicles less than three years old are exempt from undergoing an annual technical inspection. It turns out that if you are buying a new car, then you do not need to make a diagnostic card.

Insurance companies are ready to provide an MTPL contract without a diagnostic card to those drivers who do not need to undergo a test because the car is new. In order to determine whether a policy can be issued without a technical check or not, the policyholder must provide the insurance company representative with a vehicle passport. It is from the date of issue in the PTS (according to the current law) that the full years of the vehicle are calculated. In practice, the date of issue of the passport and the date of purchase do not coincide.

For example, Alexander Voronin bought a new car, Kia Serato, on November 15, 2013. However, the vehicle passport indicates the date of release from the factory, April 23, 2013. When applying for an insurance policy on November 15, 2016, Alexander Voronin must undergo a technical inspection and only after that contact the insurance company to purchase a policy, since the car, at the time of insurance, is more than three years old.

It turns out that only owners of new cars can get insurance without a technical inspection. All other motorists must undergo verification and only after that enter into an agreement.

Diagnostic card from the insurance company

Recently, almost all insurance companies offer to purchase a diagnostic card immediately when taking out a policy. Of course, car enthusiasts are quite happy with this service, since they save their time and purchase two contracts at once in one place, albeit at a slightly higher cost.

While a number of companies are ready to provide a ready-made technical inspection, other companies simply provide an agreement for the inspection and only accept payment for the state fee. An agreement is issued for a specific station with which the insurance company has entered into an agreement. According to the issued contract, immediately after issuing compulsory motor insurance, the car owner must go to the technical inspection point at the specified address and present the car for inspection. But having received the long-awaited OSAGO form, not everyone is ready to go to the station.

OSAGO via the Internet

You can even buy a compulsory insurance policy online. Do I need a diagnostic card when applying for compulsory motor liability insurance via the Internet? If the car is older than three years, the service will not request the diagnostic card number. For cars older than three years, you will have to undergo a technical inspection.

When registering online, the vehicle owner must enter all the necessary information and submit it for verification. The diagnostic card is checked automatically through the EAISTO service.

EAISTO is a unified database that stores information about passing a technical inspection. Anyone can obtain reliable information about passing a technical inspection. To do this, you will need to go to any available website and indicate the car number. The check is carried out within a few minutes. The service is free and does not require registration.

It turns out that when you apply for a policy via the Internet, the system itself will run a check using the vehicle number and, if there is no information, will refuse to receive an online MTPL agreement.

What happens in case of an accident

If a car owner nevertheless signs up for compulsory motor liability insurance without a diagnostic card, and an accident occurs, the insurance company may refuse to pay and, in court, declare the contract invalid because the terms of registration have been violated. In practice, there are many decisions in which payment refusals are made as a result of violation of the law and incorrect registration of compulsory motor liability insurance.

Is it possible to drive without a diagnostic card?

An MTPL policy is a document without which a car is not allowed to participate in road traffic. Do you need a diagnostic card? From a technical point of view, successful completion of the maintenance, based on the results of which it is issued, guarantees the serviceability of the vehicle. From a legal perspective, the absence of a valid card may cause difficulties with insurance payments.

Is it possible to drive without a diagnostic card?

The diagnostic card is presented to the insurance agent when concluding a contract. The traffic police officer cannot demand it from the driver, since it is not included in the list of documents subject to mandatory inspection. This list is only presented:

driver's license or temporary permit to drive a vehicle;
registration documents - registration certificate or PTS;
a valid MTPL policy.

The rule applies to passenger cars with a carrying capacity of up to 3.5 tons, passenger vehicles with 8 seats (including the driver's seat). That is, in this case, the constant presence of a document confirming the passage of technical inspection is not required.

Drivers of buses, taxis, and other types of vehicles transporting passengers and dangerous goods are prohibited from driving without a diagnostic card. Moreover, the maintenance data should be updated every six months, and then presented along with other mandatory documents:

driver's license;
insurance;
registration documents;
license card;
permission to transport passengers and luggage;
waybill;
papers for the cargo (when transporting dangerous, heavy or large-sized cargo, the driver must have in hand papers confirming that he has the right to work with the listed categories of cargo), etc.

Is it possible to drive without a technical inspection if you have insurance? There are no restrictions imposed on an ordinary driver - he does not need to keep the card with him at all times - a valid policy is sufficient.

If the car was manufactured less than 3 years ago, a diagnostic card is not issued. All breakdowns detected during operation during this time are considered a manufacturing defect.

Despite the fact that many drivers do not need to carry a diagnostic card with them, it must be renewed regularly in accordance with the requirements for a particular type of vehicle. Without the specified document (or an expired one), it will not be possible to conclude an agreement with the insurer, and the absence of a policy will result in a fine for the driver.

Is the presence of the card checked in case of an accident?

In addition to a license, registration certificate, and insurance in the event of an accident, an ordinary driver is not required to present other papers to the traffic police inspector, including a vehicle inspection card. But drivers of passenger and trucks involved in a traffic accident must provide a document without fail.

The insurer also does not have the right to demand a technical inspection from the victim after an accident, since a diagnostic card is provided when applying for insurance and without it the document cannot be issued. The document verification, which confirms the serviceability of the vehicle and guarantees payment, is carried out on the basis of the data provided during registration. But paperwork is usually requested from the person responsible for the accident.

Even if there is no diagnostic card for an accident, the insurance company should not refuse to compensate for the damage caused without understanding the situation. This circumstance does not fall into the category of legal grounds for failure to fulfill obligations to the insured person. However, the car owner may encounter some difficulties: without a technical inspection, it will be difficult for him to confirm that the vehicle was in good working order at the time of the accident. Sometimes this argument is enough to blame the forgetful driver for the incident. To properly file a traffic accident, motorists need to know exactly what to do after an accident if you are not at fault.

The MTPL rules do not provide for the possibility of denying insurance compensation to the injured party if the latter cannot provide a document confirming the completion of maintenance, if there is a valid policy. But there is an exception - when a breakdown provoked an accident and this was confirmed by an examination.

What are the consequences of an overdue technical inspection in case of an accident?

If the driver who caused the accident has an overdue technical inspection, the insurance company has the right to file a recourse claim (in the form of a claim) against the culprit, the amount of which is equivalent to the amounts paid by the insurer. This practice applies only to owners of taxis, buses, trucks equipped for transporting passengers and dangerous goods, and rarely affects ordinary road users.

The insurance company has the opportunity to exercise the right of recourse against the inspection operator if the document issued by him contains information about the absence of technical problems in the vehicle. In this case, the cause of the accident is precisely the malfunction of the car, which was identified during the maintenance, but the data about it was not reflected in the form. The requested amount in the claim, as in the previous case, will be equal to the funds paid by the insurer.

Is a compulsory motor liability insurance policy valid with an expired diagnostic card?

The period during which the policy is valid is counted from the moment of conclusion of the MTPL agreement and is 1 year. The technical inspection is valid from 6 months to 2 years, depending on the type and purpose of the vehicle.

Is it necessary to re-sign up the MTPL contract if the diagnostic card has expired? If there is no technical inspection (the document is expired), there is no need to make a new policy, it remains valid. However, it is recommended to visit a service station for a routine check of the technical condition of the vehicle and obtain a new card in order to eliminate the risk of getting into a car accident and refusal to pay.

If an accident suddenly occurs, you should always have a diagnostic card on hand - it is the only guarantee that your car is in good working order. Otherwise, you can, wanting to save a few hundred rubles, be left without compensation at all, thus dragging yourself into lengthy litigation and paying compensation to the injured party yourself.

Is it possible to apply for compulsory motor liability insurance without a technical inspection and receive a policy online?

“I bought a car, got in and drove” - this is what many people think who have not encountered the acquisition of such property. In fact, purchasing and registering a car is quite a troublesome matter.

In order to be able to drive his vehicle legally, the driver needs a certain list of documents. In our article today we will look at one of these documents, namely a car diagnostic inspection card.

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What is a diagnostic card?

The vehicle diagnostic inspection card is an official document in A4 format. This document contains information in the form of a table about the results of a 65-point technical inspection.

Why is it needed?

On various websites and forums on the Internet, you can often see the question of whether maintenance is necessary, and what is said about this in the law that regulates this issue? And many drivers are also interested in the question: what changes have occurred in the legislation today regarding the passage of a vehicle diagnostic inspection?

We can answer these questions this way: the procedure for diagnostic inspection of a car has changed, but the requirement to undergo it within the time limits established by law remains .

Since 2013, previously issued maintenance coupons are no longer issued, and since 2015, maintenance coupons are not accepted by the insurance company for concluding a motor vehicle contract. Today, after passing the MOT, the car owner is given a diagnostic card, which contains information about the technical parameters of the vehicle and the expert’s conclusions (where can I get a diagnostic card for compulsory motor liability insurance and how much does it cost?).

Traffic police officers do not check diagnostic cards, then a reasonable question arises: why undergo maintenance? The fact is that the inspection of this document is now carried out by the insurance company and without this document you can only issue a car insurance policy for a car that is no more than 3 years old . You can find out more about why you need a diagnostic card for MTPL here.

Currently, a software package has been created that allows insurance company employees to check the presence of this document on a car, even if the owner does not have it in his hands. This document is checked by insurers using a unified maintenance database.

This database was created with the aim of identifying fake car diagnostic inspection cards.

Is it possible to apply for compulsory motor liability insurance without a technical inspection?

Over the past years, many articles have begun to appear on the Internet on the topic of whether or not it is possible to obtain compulsory motor insurance without a technical inspection. In fact, this issue has a number of nuances.

Let's see what the current legislation says on this issue. According to the “Law on Compulsory Motor Liability Insurance”, the insurance company does not have the right to enter into an auto insurance contract with the insured if he does not have a valid diagnostic inspection card for the car .

If your vehicle has not passed the technical inspection, then you will not be able to enter into a civil liability agreement with the insurance company.

But there is a serious gap in the legislation, namely, the lack of a car diagnostic card by the owner was not a legal basis for refusing payment to victims of an accident.

Previously, insurance companies distributed auto liability policies even to those who did not have a maintenance card, but when an insured event occurred, the same companies refused compensation payments, arguing their refusal by the fact that the vehicle owner did not have a diagnostic inspection card.

Over time, car owners began to become interested in this issue and contact lawyers. As a result, constant litigation with the Investigative Committee began to arise in the courts.

Increasingly, car owners are suing insurance companies, which refuse compensation payments citing the fact that the car owner does not have a valid diagnostic card.

Car owners in their legal disputes with the insurance company emphasize that the insurance company has no legal grounds to refuse payment due to the fact that the car owner does not have a maintenance card. As a result, today there are many cases of litigation in which car owners have achieved results and received payments from the insurance company .

Today, many lawyers who deal with such issues say that motorists can enter into an auto liability insurance agreement with an insurance company even without maintenance.

Let's look at this issue in order. In order to conclude a motor vehicle liability insurance contract with an insurance company, you do not need to come up with anything new, because today there are a lot of insurers who will issue you a motor vehicle liability insurance contract without a DC.

The main goal of insurance agents is to receive a bonus for the insurance product they sell, and after taking out such a policy they will not have any problems.

But you can get a lot of problems if an insured event occurs. For example, in the event of an accident, you will not be able to prove the fact that your car was technically sound because you did not undergo maintenance and, accordingly, you may be found guilty of this accident.

Also, the Investigative Committee may recognize the case as regressive and refuse to pay compensation damage , since the auto liability agreement was initially drawn up in violation of current legislation.

Ways to make a policy without undergoing maintenance

There are a number of opportunities to make a civil liability contract without a car diagnostic inspection card.

You can conclude an MTPL contract without maintenance in the following cases:

If your vehicle is, for any reason, exempt from undergoing maintenance.
If three years have not passed since the date of production of the car and this vehicle belongs to an individual and will not be used as a taxi. You can find out more about whether you need compulsory motor insurance for a new car here.
If you are insuring a trailer that weighs up to 3 tons and belongs to an individual, then a vehicle insurance policy is also not needed.

Many motorists are also interested in the question of whether the MTPL contract is valid or not if the maintenance period has expired after the conclusion of the motor third party liability insurance contract . For example, if the validity period of the diagnostic card expired a month after the conclusion of the MTPL agreement.

In this case, your insurance contract will be valid, but, as in the absence of this document, the car owner may have difficulties if an insured event occurs.

Such a policy can be purchased, for example, by those drivers who transport a vehicle to the place where the car is registered and undergoes maintenance.

Then the car enthusiast receives a policy without undergoing maintenance, but must undergo it upon arrival at the place of registration. Many drivers have more than once encountered the problem of obtaining a motor vehicle policy without MOT and do not know what to do in this situation.

But today insurance companies can offer their clients several completely legal options that will help speed up the process of passing MOT. Among these options are the following:

The so-called formal maintenance. Some service stations offer their clients an expedited car inspection option. During such an inspection, only formal operations are performed. As a result, such maintenance can be completed in 10 minutes. The specialist will also enter all the necessary data into the AIS database and give the car owner a diagnostic inspection card.
Carrying out maintenance without inspecting the car. Some specialists practice issuing vehicle diagnostic inspection cards without inspecting the vehicle. To issue such a document, you only need a vehicle registration certificate. But this is a rather expensive service; the price for such a service sometimes exceeds double the cost of regular maintenance.

These two options for undergoing maintenance can be used if a motor vehicle license agreement needs to be concluded today , and you do not have a valid diagnostic card in your hands.

But fully undergoing maintenance is in your interests, because when driving a faulty vehicle, it is you who are at risk.

Is insurance valid without a car document?

But only after payment of compensation to the victim. In this case, you will have to prove the serviceability of your vehicle at the time of the accident in court.

Possible consequences

Every motorist must know the consequences of illegally obtaining a car insurance policy. If you become the culprit in an accident, the insurance company has the right to make recourse claims against you, and if you do not prove that your vehicle was in good working order, then you will have to pay compensation to the victim out of your own pocket.

By taking out a policy from unscrupulous insurers, you run the risk of purchasing a fake and then in the event of an accident you can’t count on payments.

Step-by-step instructions: how to get

To conclude a civil liability contract in accordance with all the rules, you will need a car diagnostic inspection card (if your car is older than 3 years). To undergo maintenance for MTPL you will need the following list of documents:

Passport or other document proving your identity.
If you are not the owner of the car, then you will need a power of attorney.
A certificate confirming the registration of your vehicle or vehicle passport.

After passing the MOT, you will be given a diagnostic inspection card.

Regardless of how you enter into an MTPL agreement, you will need the following list of documents:

Passport or a document replacing it.
Certificate of vehicle registration.
Driver's licenses of all persons who will subsequently drive the vehicle.
And a diagnostic examination card.

After filling out the OSAGO form and paying the insurance premium, you will be given a policy. If you draw up a motor vehicle license agreement online, you will receive this document in electronic format.

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The technical inspection is over, but there is no insurance: is it possible to drive?

Since 2012, on the territory of the Russian Federation, the standard vehicle technical control ticket has been replaced by a diagnostic card, and traffic police inspectors now have no right to collect fines from drivers if they do not have a technical inspection. Car owners have the right to drive without a diagnostic inspection card if they have insurance. But changes in legislation do not exempt them from mandatory periodic maintenance. Moreover, when applying for compulsory motor liability insurance, the car owner will have to present this document.

What is a diagnostic card

A diagnostic card is a document issued to the car owner along with a maintenance coupon. On an A4 form, the table indicates information about the results of checking the actual condition of the units, components and spare parts of the vehicle, namely:

brakes;

light;

windshield washers and wipers;

car engine;

steering system;

signaling.

In addition to the list of components undergoing testing, the following information is entered into the table on the form:

Car owner details.

General description of transport (model, color, category, state number).

Technical passport data (number, series, who issued the document).

Information about the actual condition of the car (mileage, make and condition of tires).

Date of subsequent maintenance.

Data on vehicle registration with the State Traffic Safety Inspectorate.

A stamp confirming the authenticity of the maintenance document.

After checking the technical condition of the car, one copy of the card is issued to the driver. The second form remains with the institution that performed the maintenance. The electronic version is created in the unified technical inspection information system.

Current regulatory framework

The rules for obtaining and conditions for using a coupon for diagnosing the technical condition of a car are described in the law of the Russian Federation “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation.” The regulatory framework clarifies when it is necessary for the driver to have this document (obtaining an insurance policy).

If a car is stopped, the traffic police inspector does not have the right to demand the presentation of a diagnostic card or technical certificate. This rule is regulated by the Traffic Regulations: in paragraph 2.1.1, the driver of the vehicle is required to show during the inspection only the motor vehicle liability policy, his driver’s license and the PTS or STS.

Recommended inspection frequency

The period of technical inspection (frequency of diagnostics) is regulated by law. New models of transport, such as cars under three years old, do not require maintenance. Owners of other cars need to undergo an inspection of technical parameters according to the following scheme:

Cars 3-7 years old are checked every 2 years.

Transport, over seven years - once a year.

Trucks, buses from 8 passenger seats, taxis - every 6 months.

Special equipment equipped with signaling devices undergoes maintenance annually. The cost of obtaining a maintenance ticket depends on the company conducting the inspection, as well as the specifics of the diagnostic procedure. The price ranges from 500 to 5000 rubles.

What happens if there is no diagnostic card

Driving a car whose MOT has expired is not illegal. A diagnostic card is required:

To obtain an insurance policy. It is impossible to issue an MTPL diagnostic certificate with an expired certificate. But you can get the policy on the last day of validity of the DC.

When the insurance company compensates for damage incurred during an accident.

If at the time of the accident the driver does not have papers confirming the inspection for serviceability, then he will bear all the costs of repairing the damaged car.

If the vehicle diagnostic card is stitched

Delays in the diagnostic inspection of a vehicle with a valid insurance policy are not a reason for fines. Despite the legality of driving a vehicle, problems arise for the driver when he gets into an accident.

The MTPL rules state that the insurance company has the right to refuse to pay the insurance amount.

Does the lack of technical inspection affect the payment of compensation for compulsory motor liability insurance in case of an accident?

Official papers confirming the timely completion of an inspection of the state of serviceability of the machine's mechanisms are not required to be presented to a representative of the insurance company. But it may be required along with insurance from the person at fault for the accident. The presence of a CD confirms the serviceability of the car, and its owner increases the chances of receiving insurance payments.

If the driver regularly transports people, large, or specific cargo, the lack of maintenance is the basis for the insurer to put forward a counterclaim - compensation by the culprit of the accident to the insurance company for the costs of paying the victims.

If the car is used for personal purposes, its owner does not have to worry about the fact that the validity period of the MOT expires. He needs documented maintenance to obtain a compulsory motor liability insurance policy. A car used for transporting passengers or cargo, if it has valid insurance, has failed technical inspection and becomes a serious obstacle when processing insurance payments during an accident.

Technical inspection for obtaining compulsory motor liability insurance

Every driver has to deal with such a concept as a technical inspection. Due to innovations, not only beginners, but also experienced motorists need to know everything about technical inspection so as not to break the law.

Driving a car legally requires having the necessary documentation. One of these documents is a compulsory third party liability insurance policy. There is an opinion that compulsory motor liability insurance and technical inspection are inseparable, that is, drawing up an insurance contract is impossible without timely monitoring of the condition of the vehicle. Let's consider options for obtaining a policy without a valid vehicle inspection certificate.

Read more: Calling an MTPL insurance agent to your home
What is a technical inspection

A technical inspection of a vehicle is a check of the serviceability and safety of the vehicle’s components, as well as the compliance of their condition with Appendix No. 1 of the Maintenance Rules.

If before 2012, vehicle serviceability monitoring was monotonous and has not undergone any changes since the 90s, then since this period, technical inspection of mechanisms has been carried out with innovations. In particular, the good technical condition of the car is now confirmed not by a coupon, but by a diagnostic card.

Technical inspection should not be considered a relic of the Soviet past. Similar requirements for vehicles are being put forward abroad. When crossing the border, any driver is required to present a valid diagnostic card. Without it, the motorist will be returned to the country of arrival.

In addition, it is extremely difficult to prove the serviceability of a car without a supporting document - the driver of the vehicle risks being found guilty of a traffic accident.

Why do you need a technical inspection of a car?

A technical inspection is always a long procedure, and also paid. Because of this, many drivers wonder about the need for this very diagnosis. After all, the state inspection has been cancelled, but you still have to go to service stations to check the car. The main reason why drivers need to undergo a vehicle inspection is the need to obtain an MTPL insurance policy.

Formally, a document confirming the diagnostics completed is required to issue an insurance policy.

Upon successful completion of the maintenance, the driver is issued a diagnostic card (formerly a technical inspection card). It is an A4 form with general data about the car, as well as test results for 65 indicators. At the end of the form, the technical inspection operator’s conclusion about the serviceability or malfunction of the vehicle is indicated. It is with this diagnostic card that the car owner applies to the insurance company to obtain a car title.

Is a technical inspection required for OSAGO?

According to clause 3 of Art. 15 of the Federal Law “On Compulsory Motor Liability Insurance” of April 25, 2002. To conclude an insurance contract, the applicant must present a document and a diagnostic card for the car.

Is it possible to apply for compulsory motor liability insurance without a technical inspection?

Yes, and quite legal. The situations in which exceptions come into play are described in Art. 15 No. 170-FZ “On technical inspection of vehicles in the Russian Federation”:

the mechanism is not subject to serviceability control. Allowed for cars weighing up to 3.5 tons, the owners of which are individuals;

the car is new (less than 3 years have passed from the date of manufacture, according to paragraph 2 of article 15);

The validity period of the previously issued maintenance coupon has not expired (clause 5 of article 15).

According to the insurance law of April 25, 2002, a diagnostic card is required to obtain an MTPL policy, but it does not specify whether it should be recently issued or simply valid.

Other ways to purchase compulsory motor insurance without a technical inspection

Russian legislation has a lot of shortcomings that allow motorists to obtain insurance documents without actually going through control of the vehicle’s serviceability.

purchasing a policy online. Any broker will issue an electronic MTPL without a diagnostic card, even hand it over to the customer, but there is a high probability that the document will be fake. Use the services of trusted insurance companies and their branches;

contacting an employee of a regional accredited control station. A superficial inspection of the car gives the right to receive a paper without actually passing a control inspection;

cooperation with specialized companies. Here you can get a card for money without presenting the vehicle for inspection at all. Whether to use this method is up to each car owner to decide for himself. In the end, establishing the serviceability of the car is important for its owner, and not for the insurer.

Is insurance valid without a technical inspection?

According to paragraph 1 of Art. 14 of the relevant law, the insurance company has the right to file a recourse claim if at the time of the accident the driver did not have a valid document confirming the passage of technical control.

In fact, the MTPL policy in such a situation loses its validity.

How often do you need to undergo maintenance?

As you know, car insurance is issued for no more than one year, after which it must be taken out again. But this does not mean that all vehicles need to undergo technical inspection annually. For different types of cars, there are separate time periods for mandatory diagnostics (see Article 15 No. 170-FZ):

New cars under 3 years old are not subject to inspection (clause 2).

Cars whose production year has passed from 3 to 7 years are diagnosed once every 2 years (clause 1, subclause 4).

Vehicles that are more than 7 years old - annually (clause 1, subclause 2).

Important! There is a separate category, vehicles from which are required to undergo maintenance every 6 months (clause 1, subclause 1). These include taxis, passenger buses, trucks transporting dangerous goods, and trucks with more than eight passenger seats.

Where can I do maintenance for OSAGO?

Before the changes in 2014, technical inspections could only be carried out at traffic police departments at the place of registration of the car owner. Today, you can undergo diagnostics at service stations, diagnostic centers, insurance companies, and organizations working in this field. This is very convenient for drivers, because there is no need, for example, to go to the other end of the city and stand in lines.

Another option on how to do maintenance for MTPL is to buy it. The procedure is completely legal. Of course, it’s much easier to get a diagnostic card this way, but you should only use this method if you’ve checked the car recently and know that it’s working properly.

When choosing a seller organization, you need to be very careful. Many small companies may entice you with a low price, but there is a risk that you will never receive your diagnostic card. All DCs are entered into the electronic database of the EAISTO State Traffic Safety Inspectorate, and absolutely anyone can check the availability of their document via the Internet.

To do this, you need to fill in several suggested fields, and if your card is in the database, the system will show it.
The completed DC will appear in EAISTO within three days. Some fraudulent companies, after receiving payment, only feed the buyer with promises that tomorrow or the day after tomorrow the document will appear in the database, and as a result, the driver simply loses money. It is not difficult to recognize scammers:

Prices are too low.

Full prepayment required.

Lack of license for this activity.

Lack of certificates and documents for work.

No guarantees for the services provided.

Important! Before contacting an insurance company, always check the availability of the insurance policy in the electronic database.

How to pass a technical inspection if your compulsory motor liability insurance policy has expired?

In fact, you cannot drive a car that is not insured. If you don’t want to risk being stopped by a traffic police officer and fined, the way out of the situation is to contact specialized companies that will prepare a diagnostic card for money without presenting the vehicle. Since the good condition of the car should be of concern, first of all, to the driver, do not be lazy after taking out insurance to actually check the correct operation of the units of the iron horse.

What documents will be needed to pass the MOT?

Before arriving at the technical inspection point, the driver must prepare. Be sure to have a first aid kit and a fire extinguisher with a good expiration date in your car. You also need to have the following documents with you:

passport;

driver's license;

vehicle registration certificate;

power of attorney if the maintenance is not carried out by the owner of the car.

Technical inspection for compulsory motor liability insurance is an important and rather lengthy process. If the technical operator identifies malfunctions in the operation of your car the first time, then you are given 20 days to eliminate them, after which you need to come back for maintenance. Moreover, only those points for which the result was negative during the first diagnosis are re-checked. If the driver did not have time to come back for maintenance within 20 days, then the inspection will be carried out again for all indicators.

Take care of preparing a diagnostic card and an insurance policy in advance, because you are the one who is interested in a working car and the possibility of receiving financial compensation if necessary.