Documents required for car insurance under MTPL

How to get car insurance?

Types of car insurance

Every driver needs insurance. It will be needed to register the car with the traffic police and to compensate for damage in an accident. Car insurance can be compulsory (OSAGO) or voluntary (hull insurance).

OSAGO. Drivers are prohibited from driving without a compulsory insurance policy. If during registration the traffic police did not request insurance, they will in any case ask for it in the future. The first time you will be fined 800 rubles for driving without a policy, the second time - 5000. The third time - deprivation of your driver's license.

The MTPL policy only insures the driver's liability on the road. If he caused an accident, the insurance company will compensate the injured party for the damage.

Amount of insurance payment

The driver was involved in an accident with one or more participants

Up to 160 thousand rubles for damage to property for all injured participants in an accident.

Someone else's car was destroyed in an accident

Up to 400 thousand rubles.

The driver or passengers of the injured party were injured in the accident

Minor injuries - up to 150 thousand rubles. Threat to life - up to 500 thousand rubles.

Up to 500 thousand rubles.

The insurance company will not compensate for damage if:

the driver was at fault for the accident and his car was damaged;
the driver demolished a billboard or pole;
the car was stolen;
spontaneous combustion occurred;
hooligans broke car windows or removed tires.

If the driver is involved in an accident, he informs the insurance company about the incident within 5 days. The insurance company makes a decision on payment within 20 days. If the time is up and the insurer has not yet made a decision or has not paid the money, penalties are applied to him by law.

DSAGO. A voluntary civil liability insurance policy will be needed in cases where the driver wants to increase the amount of insurance payments to the injured party from 500 thousand to a million rubles.

To receive an insurance payment under MTPL, the damage to the injured party must be more than 160 thousand rubles - the maximum one-time payment under MTPL.

The DSAGO policy refers to voluntary motor insurance and comes only as an annex to the compulsory motor liability insurance policy; It cannot be purchased separately. Insurance companies set the price for a DSAGO policy depending on engine power, year of manufacture of the car, driver experience and other factors.

Casco . A comprehensive insurance policy covers more risks compared to compulsory motor liability insurance. If you get into an accident, knock over a billboard, or someone else’s car blows off your bumper in the parking lot and runs away, the insurance company will compensate for the damage. If the car is stolen, under a comprehensive insurance policy the insurance company will pay 100% of the market value of the car. To receive payments for insurance claims during the year, the driver must pay the full amount of insurance in advance.

Casco is always more expensive than OSAGO. But it is not issued to cars older than 5 years or if the car has a low market value.

"Green map". If the driver is planning a trip abroad, he must additionally obtain a “green card” - a mandatory insurance policy for driver liability abroad. If you get into an accident in another country, your insurance will cover the damage.

Life insurance. You can register your life and your passengers. The amount of payments reaches a million rubles.

How to apply for an insurance policy?

You can issue a policy at the offices of the insurance company or on its website, as well as through the MFC and the “Unified Agent”.

Through MFC. Find out which branch in your region can issue insurance. Call the MFC hotline +7 800 350 29 87 (by region) and make an appointment to avoid standing in line.

Through "Unified Agent". The website of the Russian Union of Auto Insurers contains a list of insurance companies where you can issue an electronic MTPL policy.

The system includes only verified and licensed insurance agents. Select any company from the list, follow the link and register on the insurance website. You can link your profile to your State Services account, and the system itself will take the necessary documents.

If you take out a policy through the MFC or the “Unified Agent”, you are guaranteed to receive payments, even if the insurance company goes bankrupt.

What documents are needed to obtain insurance?

To obtain insurance, the driver needs:

application - usually completed on site at a branch or directly on the website;
passport of a citizen of the Russian Federation;
driver license;
original PTS and vehicle registration certificate;
original certificate of ownership of the car;
technical inspection and diagnostic card;
old policy, if any.

To submit an electronic application, documents are required in electronic form. The driver is given 10 days from the date of purchase of the car to obtain insurance.

How to choose an insurance company?

Fraudsters operating under the guise of insurance companies sell policies without a license. The fine for providing fake insurance to the traffic police is 5,000 rubles. To avoid falling for attackers, pay attention to several points.

License. Ask the insurance company to see their license. You can check the authenticity of the license for the right to sell compulsory motor insurance or motor insurance on the website of the Bank of Russia. If this is an insurance broker or agent, ask him to present a certificate that allows him to represent the interests of the insurance company and sell the insurance policy.

Reputation. Check the reputation of the insurance company - mentions in the media, social networks, recommendation services, news on the RSA website. Look at what they write about the company in independent ratings.

Experience. Find out how many years the company has been offering services on the market. To do this, ask to see the constituent documents and articles of association.

Volume of insurance payments. Find out in what cases the insurance company refuses to pay the insured amount and what affects its volume. Ask what the maximum lump sum amount will be paid under the comprehensive insurance policy and what may affect it.

If you already have an insurance policy, you can check its authenticity on the RSA website.

How much does car insurance cost?

There is no fixed price for registration of comprehensive insurance or compulsory motor liability insurance. For each driver, the insurance company makes an individual calculation based on:

car brand;
Year of release;
models;
modifications;
engine power;
the period for which the insurance is issued;
region of residence;
region of registration of the owner;
the number of drivers allowed to drive;
age and experience of each driver.

If the car is older than three years and has a low market value, the insurance amount will be lower. If the car’s power is 100-120 l/s, then the policy for it will be cheaper. To get a discount or reduce the cost, you need to take out insurance in the same place where the driver lives and is registered. If there is only one driver driving a car, over 30 years old and with extensive experience, insurance will cost him less than a young driver.

If the driver previously had a policy and a good insurance history, he can receive a 5-10% discount. To calculate the cost of your policy, consult your insurance company or use special online calculators.

What should you pay attention to in a contract?

When you have chosen an insurance company and are ready to enter into a contract, read it carefully. Please note the following points.

Period for notification of an insured event. This is the time in which the driver must inform the insurance company about the accident. Under standard conditions, notice is given within three days. If this period expires, the insurer may refuse to pay. Then you will have to compensate for the damage yourself.

Franchise. Franchise can be unconditional or conditional. With an unconditional deductible of 20 thousand rubles in the event of an accident, the payment will be reduced by this amount. If the deductible is conditional, then the insurance company will pay money only if the damage exceeds 20 thousand rubles. Insurance with deductibles is 20-40 thousand rubles cheaper.

Wear calculation. From the insurers' point of view, the car loses up to 15-20% of its original value. Find out how the insurance company will calculate payment annually - based on the age or mileage of the car.

Amount and procedure of insurance payments. It is possible that, under the terms of the contract, in the event of a second insured event, the company may reduce the amount of payments or automatically include a deductible in the calculation of compensation.

Documentation. If it is stated that the insurer can request those documents that it needs without a pre-agreed list, there is a risk that payments will be denied due to “missing documents”.

Time to decide on payment. Usually this is up to 30 days. If this item is not there, ask to add it, otherwise the insurer may delay the process for 3-6 months.

Specify how the damage will be assessed - by a special examination or based on invoices from the service station. Ask in what cases payments will be denied. If the contract states that the insurance company will not pay in the event of a gross violation of traffic rules, it should not be signed. The insurance company will be biased towards any insurance claim.

How to save on insurance?

To reduce annual insurance payments, you can refuse additional services - calling a tow truck or an emergency commissioner.

When registering a franchise, the driver can receive a 5-40% discount, but then he will have to bear part of the costs. If the driver takes out insurance in the region of residence and registration, the price will be lower.

There are several types of insurance. OSAGO - mandatory, others - optional
To insure your car against theft and hooligans, you need a comprehensive insurance policy
The RSA website has a list of verified insurance companies
When choosing an insurance agent, check the license, payment volumes and reputation of the company
Refuse additional services - the policy will be cheaper

What documents are needed to apply for compulsory motor liability insurance in 2019?

Select vehicle type

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 car owner or his representative cannot provide the full package of documents necessary to conclude a contract in 2019.

What documents are needed for compulsory motor liability insurance?

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);
constituent documents (for legal entities);
notarized power of attorney (if the policyholder is not the owner of the car);
certificate of state registration (for legal entities);
a vehicle passport or a certificate of registration (for special equipment it is allowed to provide a registration certificate);
copies of driver's licenses of all citizens allowed to drive (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 three and a half 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.

Documents for issuing an MTPL policy

Before you go to the insurance company, you need to prepare several documents. What should you take with you?

To conclude a compulsory motor insurance agreement (electronic MTPL), the vehicle owner submits the following documents to the insurance company:

application for concluding a compulsory insurance agreement in the approved form (issued by a representative of the insurer);
passport or other identification document (if the policyholder is an individual);
a document confirming the registration of the vehicle specified in the application (vehicle passport, vehicle registration certificate, technical passport or similar document);
inspection certificate;
a driver's license (or a copy thereof) of the person/persons authorized to drive the vehicle, as well as documents confirming the driver's right to drive the vehicle (if the compulsory insurance contract is concluded with the condition that only certain persons are allowed to drive the vehicle);
previous compulsory insurance policy (if available).

Note: Please remember that you are responsible for the completeness and accuracy of the information and documents provided to the insurer and specified in the application.

Documents issued to you upon conclusion of the contract:

the original insurance policy, signed by you and a representative of the insurer (the insurer's seal is required) and a special state-issued sign;
set of MTPL rules;
two copies of the accident notice;
memo to the policyholder;
receipt of funds received from you.

What documents are needed for compulsory motor liability insurance?

OSAGO is a compulsory type of insurance, which is why the requirements for registration and documents that are needed to issue such a policy are the same for all insurers. The data in the MTPL policy is entered by an insurance specialist, which must be entered from the documents provided by you, you must also fill out an application form stating that you want to receive an insurance policy and pay for it. The receipt and insurance policy of compulsory motor third party liability insurance are certified by the signature of the insurance agent and the seal of the insurance company that issues it.

Documents for issuing an MTPL insurance policy

In order to receive an MTPL policy, you need to provide the following documents to the insurance company:

passport
driver's licenses of everyone who is allowed to drive your car
vehicle passport or registration certificate
If you want to insure a car, but are not its owner, then you need a power of attorney
if the insurance contract is renewed, then you need a copy of the previous MTPL policy
If your car is more than 3 years old, then you also need a technical inspection certificate or a diagnostic card.

Payment procedure for compulsory motor liability insurance policy

Payment under the MTPL policy from individuals is accepted in cash by the insurance agent or his representative. After payment you should be given a receipt of form A7. The receipt is issued in two copies on a self-copying form, the original is always given to the client, and its copy is stored in the insurance company. The receipt must indicate the type of insurance, as well as the policy number for which you paid, for example, “OSAGO VVV1233556678”). It’s worth checking this data so that it doesn’t turn out later that, due to someone’s banal mistake, your money went to pay for someone else’s policy, and you also signed up for it.

What documents need to be signed when applying for an MTPL policy?

OSAGO policy (original and copy)
client's application to conclude an insurance contract
payment receipt (original and copy).

The insurance company certifies these documents with the seal and signature of the insurer, and you with your signature.

Sanctions for incorrect data in the application for compulsory motor liability insurance

If it is discovered that the client has entered false information into the MTPL policy or entered false data in the insurance application, then the insurance company can apply to such a client the coefficient Kn = 1.5 (the presence of gross violations), then the client will have to pay another half of the cost policy, the company may also terminate such a contract early and not return the previously paid insurance amount. In this case, if an insured event occurs in which the client is the culprit of the accident, he will have to make all payments for damage to the injured party himself.

Documents for compulsory motor liability insurance in case of an accident

If you are not the culprit of the accident and have compulsory motor liability insurance, you will receive payment for the insured event. If an accident occurs through your fault, then if you have an MTPL insurance policy, you can also count on help from the insurance company in resolving the issue, but if there is no policy, then you will have to seek protection from a motor transport insurance bureau. In such a bureau there is a fund for the protection of victims, the funds of which provide assistance after an accident.

The following documents are submitted to the motor transport insurance bureau:

application requesting compensation for damage (you must indicate the amount of damage)
MTPL insurance policy (for combatants, disabled people of group 1 and other persons exempt from compulsory insurance, a certificate confirming such right)
passport or other identification document (copy)
driver's license (copy)
IIN (copy)
Bank account number
power of attorney if the applicant represents the interests of the victim
copy of the vehicle registration document
certificate issued by a traffic police officer from the scene of the incident
if you have CASCO insurance, then a document confirming its availability
description of the damage issued by the emergency commissioner or auto expert (original or certified copy)
image of the VIN code and license plates of the damaged vehicle
a document on an auto-merchandising study of the value of a vehicle after an accident, if it is considered physically destroyed (original or certified copy).

To increase the likelihood of receiving compensation, you must contact the agency within 3 days of the accident.

Reimbursement for the cost of cars after an accident, the age of which exceeds 5 years, is calculated using a special table. The amount of loss is determined by an independent appraiser; you can also contact a forensic expert.

Documents for car insurance

Today, a car is not only a symbol of luxury and wealth, but also a means necessary for doing business, earning money and free movement. Every day the number of cars on the roads is becoming more and more, and at the same time the likelihood of getting into a traffic accident is growing.

The consequences of even the smallest accidents today can take a very long time to resolve, but your car should be repaired in a timely manner. The registration of compulsory and voluntary insurance made it possible to push these and many other problems into the background. The company helps optimize the loss recovery process and also assists in solving other nuances. Before concluding an agreement, you need to find out what documents are needed for this.

What documents are needed to apply for compulsory motor liability insurance?

Insurance is issued only if a certain list of documents is available:

Vehicle registration certificate or registration certificate.
Valid inspection certificate. You can get it at any legally operating station.
Passport of the motorist and persons authorized to drive.
Driver's licenses of the persons who will drive it.
Identification code.
Power of attorney for management (if the owner is not managing).
Certificate of registration and seal of the organization (if issued by a legal entity).

This is a basic list that may vary slightly depending on the company.

What is needed for CASCO car insurance?

In addition to the mandatory contract, car owners can purchase CASCO insurance. Registration also requires a certain list of papers, which is practically no different from the above:

Passport.
Driver license.
Vehicle registration certificate or registration certificate.
Diagnostic card.

You can find out exactly what documents will be needed for registration on the insurer’s website or at the company’s office. Before submitting the application and list of documentation, you should carefully check the correctness of the completed data, otherwise refusals to receive it are possible.

How to get insurance at yourkasko.ru?

Our agency yourkasko.ru is exactly what you need. We will help you select and arrange the most advantageous protection option. Excellent service and professionalism of the staff will allow you to get everything done quickly and efficiently. By deciding to insure your car with us, you will receive many benefits:

Save time. Now you don’t need to go to the company’s office or wait in line. You can find the product you need online. Our specialists will quickly offer you a choice of several of the most advantageous offers from the best representatives of the market.
Client support for the entire period. Have you insured your car with us? We received comprehensive support. Upon the occurrence of an insured event, the agency’s lawyers will help in resolving conflicts and other issues.
Fast delivery. When you order a policy, we will deliver it to the specified address within a day.