Do they provide insurance without 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.

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.

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):

1. New cars under 3 years old are not subject to inspection (clause 2).
2. Cars whose production year has passed from 3 to 7 years are diagnosed once every 2 years (clause 1, subclause 4).
3. 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:

1. Prices are too low.
2. Full prepayment required.
3. Lack of license for this activity.
4. Lack of certificates and documents for work.
5. 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.

OSAGO without maintenance - how to get it and whether it will work

It is possible to obtain OSAGO without a technical inspection only in a few cases. Officially, this is done if the car is no more than 3 years old from the date of manufacture and the vehicle is not used as a taxi. In this case, the insurance company will not require a diagnostic card and the driver will be provided with an insurance policy. In other situations, a technical inspection is required. Although sometimes it is possible to do without it.

Many drivers do not know whether compulsory motor liability insurance is valid if there is no maintenance. From a legal point of view, it is impossible to issue insurance without a diagnostic card. But some insurance companies get around this restriction. They give their clients a completed card, which only lacks the signature of an accredited operator. After this, the driver is informed where he must go to undergo a technical inspection.

If the car owner forgot about this, the insurance company could refuse to pay in case of an accident. Although here it was possible to take advantage of a gap in the legislation. Payments based on an accident cannot be denied if a diagnostic card is missing.

MTPL policy without maintenance in 2019

In 2019, at least for now, there have not been any radical changes in legislation. Car owners can still buy compulsory motor liability insurance without a technical inspection. Insurance companies issue policies to drivers without fear, since no penalties are applied to them. The widespread use of this practice is due to the fact that the company receives money for each concluded contract.

It should be noted that if an accident occurs and you do not have maintenance, a refusal to pay may result due to:

• impossibility of proving the technical serviceability of the vehicle. This is because you will not have a diagnostic card;
• violations of the law at the stage of concluding a contract. According to the law, insurance is possible only if you have a diagnostic card. If you did not have it at the time of concluding the contract, then this is a reason to challenge its legality in court.

As a result, if not the most outstanding auto lawyer is on your side, the court may question whether the MTPL policy is valid without MOT. Often such a transaction is declared invalid, the contract is terminated and the insurance company no longer owes the driver anything.

When can you get compulsory motor insurance without maintenance?

However, it is possible to obtain insurance officially without a diagnostic card.

This rule only applies in 3 cases:

• vehicles, for any reason, are exempt from technical inspection;
• the car was manufactured less than 3 years ago, belongs to a private person and is not used as a taxi;
• A trailer up to 3 tons that belongs to a private person is insured.

Some drivers are interested in whether compulsory motor liability insurance applies if there is no maintenance after the conclusion of the contract. For example, a diagnostic card expires 3 months after receiving the policy.

In this case, the insurance remains valid. But, as in the case of concluding a contract without a diagnostic card, problems may arise at the stage of receiving payments after an accident.

In some situations, you can officially obtain insurance without maintenance. Exceptions apply to new vehicles being transported to the place of registration or inspection. That is, the owner of a car can receive a policy without having a completed diagnostic card in hand, but must undergo maintenance in order to receive payments in the event of an accident.

What to do when you can’t get compulsory motor liability insurance without maintenance

Some drivers are faced with the situation that without maintenance there is no compulsory motor liability insurance, but they don’t know what to do. But modern companies are ready to offer several completely legal methods that speed up the inspection.

Among these methods are:

• formal inspection. Some services offer “expedited” inspections, which only perform formal procedures. As a result, you manage to pass the MTPL inspection in literally 10 minutes. All data ends up in the AIS database, and the driver is given a diagnostic card;
• formal maintenance according to documents. Some companies don't even need to see the car. They are ready to issue a diagnostic card based on vehicle registration documents. The disadvantages of this service include its high cost. Compared to regular maintenance, you may have to pay 2 times more.

These two methods can be used when you can’t do OSAGO without maintenance and you need the most legal and fastest method of obtaining a diagnostic card.

Why is the diagnostic chart important?

Even if the insurance company issued you a policy without maintenance, you should not delay visiting an accredited service center. The documents will be valid and no claims will arise against them during scheduled inspections. But if an emergency occurs and the car is damaged in an accident, then without a diagnostic card the chances of receiving payments are rapidly decreasing.

Registration of compulsory motor liability insurance without a diagnostic card

One of the documents required for a car owner to purchase an MTPL policy is a diagnostic card based on the results of a technical inspection of the car. Let's consider the situations in which the purchase of compulsory motor liability insurance without maintenance is permitted, and the possible consequences of attempts to circumvent the requirements of the law.

Is it allowed to apply for compulsory motor liability insurance without a vehicle inspection card?

In accordance with current legal regulations, insurance without a technical inspection is permitted if:

• the car, due to various circumstances, is exempt from technical inspection;
• We are talking about a car that has been manufactured for no more than three years and does not require technical inspection until the end of the specified period. The period is calculated by days;
• a motor vehicle license agreement is drawn up for a three-ton trailer for private use;
• at the time of the transaction for the purchase of an MTPL policy, the diagnostic card of the previous maintenance remains valid.

In other cases, the insurance company is obliged to require the car owner to present a diagnostic card confirming the completion of the technical inspection.

Important! If the owner of the car is overdue for maintenance during the period of validity of the MTPL policy, the insurance organization has the right to file a claim for recourse in the event of an accident due to the fault of the policyholder.

This circumstance applies to the following vehicles:

• passenger taxi;
• buses;
• trucks carrying passengers or dangerous goods.

The Law “On Compulsory Motor Liability Insurance” states that it is possible to issue a short-term policy for twenty days in the following situations:

• to proceed to the service point;
• after purchasing a car or obtaining ownership rights in another possible way, on the way to the MREO office to register the car.

The price of such a policy will cost within twenty percent of the annual contract. A temporary contract allows the owner to enter into a full-fledged insurance contract for twelve months, when the necessary documentation is completed. The owner is not obliged to insure the car for the entire year of the contract, having agreed with the company representatives about the period of protection.

Next - about some of the nuances of carrying out maintenance before concluding a compulsory motor liability insurance agreement.

Purchasing an insurance policy without a diagnostic card, during a formal maintenance procedure

Many insurers provide a maintenance service as a precursor to the purchase of an MTPL policy. Having arrived at the office, the owner provides the car for inspection by an expert. In the conditions of an insurance company representative office, it is impossible to fully inspect the car and make sure that it is in good condition. The expert is limited to a cursory examination and a few photographs. Then a diagnostic card and a motor vehicle license agreement are drawn up.

Formally, the procedure is legal, but there are certain risks for the client.

Purchasing an MTPL policy without a diagnostic card with a documented technical inspection

Some insurance companies offer the client, along with the MTPL policy, to make a ready-made diagnostic card. With this method of formal maintenance without actually performing the work, the risks for the owner increase. But if the client is dealing with a prestigious company, there is significantly less reason for concern.

From a formal point of view, the law is not violated. But if a driver with such a diagnostic card turns out to be the culprit of the accident and during the inspection of the car it turns out that the cause of the accident was a malfunction missed by the “paper” maintenance, as a result, the insurance company may present a recourse claim to the client who was at fault for the accident.

It is not always possible to prove that the diagnostic card was received directly from the representative office of the insurance organization. This document is issued on behalf of the company that has entered into a cooperation agreement with the insurer. During the proceedings, the Investigative Committee will remain on the sidelines. The client will have to pay compensation at his own expense for car repairs or pay compensation to the injured party.

Buy MTPL insurance without a diagnostic card online

If the MTPL policy is purchased electronically, via the Internet, the client will not need to provide documentary evidence of maintenance. The insurer receives information from government services and the unified RSA database, where data about cars and owners is entered, including maintenance results with diagnostic card details.

Buy MTPL without a diagnostic card from an insurer's representative with a blank maintenance form

Some insurance companies cooperate with specialized organizations that conduct technical inspections. After issuing compulsory motor liability insurance, the client is sent to such a maintenance point, handing over a blank diagnostic card form. But not all drivers are so disciplined as to visit a vehicle inspection station after completing the insurance procedure.

The consequences of such disregard for the requirements of the law will not be long in coming when the driver is checked by traffic police representatives or during the investigation of an accident (not necessarily due to the fault of the client).

Get a car license without a technical inspection using a fake diagnostic card

Online insurance is a convenient form of purchasing compulsory motor liability insurance, without imposing additional services on the client, with the ability to apply online directly to the representative office of the insurance company, bypassing intermediaries.

Information on issued diagnostic cards with data on maintenance results is submitted by licensed companies conducting technical inspection to the unified electronic register of RSA. If a client tries to present a false document when concluding an MTPL agreement, the fraud will be detected after an appropriate check in the database of the Russian Union of Auto Insurers.

If the insurer issues a motor vehicle license using forged MOT documents, you should not count on compensation for damage during an accident or receiving compensation after an insured event due to the fault of another driver.

In such situations, the insurance company, citing a violation of the rules by the client, unilaterally terminates the contract. The owner of the car will not be able to defend his rights in court, since he is guilty of falsifying the diagnostic card.

The following conclusions of the court based on the results of such proceedings are possible:

• if it can be proven that the insurer intentionally entered into the contract, knowing about the falsification of maintenance information, compensation will be paid. But subsequently the client cannot avoid a recourse claim from the insurance company;
• the compulsory motor liability insurance policy is declared void. The culprit will have to compensate for the damage to the victims from his own pocket, with full responsibility for the accident.

None of the possibilities presented are in favor of the car enthusiast who resorted to falsifying the diagnostic card.

Consequences of purchasing an insurance policy without a technical inspection

The Code of Administrative Offenses provides for the imposition of an administrative fine for driving in the absence of a valid inspection card in the amount of 500 to 800 rubles to owners of the following categories of vehicles:

• cars used as taxis;
• buses;
• trucks adapted to transport eight or more passengers, excluding those placed in the cabin;
• Vehicles transporting dangerous goods.

Owners of other types of transport, including passenger cars, may encounter the following situations:

• judicial cancellation of the concluded MTPL agreement;
• refusal to pay compensation or a significant reduction in the amount of compensation if the client is injured during an accident;
• the need to return recourse to the insurer for payments to victims as a result of an accident due to the fault of the client.

In addition to the client, in this situation an extraordinary inspection cannot be avoided by the insurance company. If violations of the law are detected, sanctions are possible, ranging from significant fines to license revocation.

Those who want to save a small amount by insuring a car without undergoing a technical inspection seriously risk being left without payment for an insured event. If a car requires maintenance, the law prohibits issuing an MTPL policy without a valid diagnostic card.

What does a “technical inspection” mean for car insurers?

Registration of compulsory motor liability insurance without a valid diagnostic maintenance card is impossible. The insurer checks its availability in the automated information system RSA. But you cannot agree to purchase this card from insurance companies. The fact is that, according to Art. 5 Federal Law No. 170-FZ dated 07/01/2011 “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation” only (!) technical inspection operators accredited in accordance with given the RSA law.

We go to the Union’s website and in the corresponding register we see that none of the insurance companies currently issuing compulsory motor third party liability insurance appear in it. At the same time, officially on their websites, some insurers (in particular, Rossgostrakh and Reso-Garantiya) offer their clients to sign up for free or receive a referral to undergo a technical inspection at their partner companies. And unofficially, many insurance companies sell a MTPL policy to a client right in the office along with a diagnostic card, which is illegal. Firstly, because in fact they do not have the right to carry out such a technical inspection, and they do not do so, and secondly, because they issue diagnostic cards without the signature or seal of the inspection operator, and sometimes without both at the same time, and such the diagnostic card is simply invalid. The client is invited to visit the inspection operator, on whose behalf the diagnostic card was issued, and undergo a technical inspection, after which the document will be issued to him as required. As a rule, no one follows this instruction.

And now about the real consequences. In the event of an accident, such a diagnostic card may backfire on drivers of some categories of vehicles. Since according to paragraph 1 of Art. 14 Federal Law No. 40-FZ “On compulsory civil liability insurance of vehicle owners”, insurance companies have the right to make recourse claims against vehicle owners if “... at the time of the occurrence of the insured event, the validity period of the diagnostic card containing information on the vehicle’s compliance with mandatory safety requirements has expired vehicles, a passenger taxi, a bus or a truck designed and equipped for the transport of passengers, with more than eight seats (excluding the driver's seat), a specialized vehicle designed and equipped for the transport of dangerous goods."

Therefore, it is better to worry about registering for maintenance in advance. Now it’s not so difficult to pass it, if, of course, you care about the health and appearance of your car. The Soviet times, when you had to wait in line, be on duty at night, and look for workarounds, have fortunately sunk into oblivion. The register of all service points in Russia under the State Traffic Safety Inspectorate and private operators and individual entrepreneurs accredited by the RSA is available at the following link. Choose any convenient location, because there are no territorial restrictions, call and make an appointment. Important: the cost of operator services is determined by regional authorities, and no one else. Thus, a vehicle inspection in Moscow will cost 720 rubles. In the last two years, it has fallen slightly in price because the state abolished the mandatory state duty for issuing the diagnostic card itself.