How to move a car without insurance and technical inspection

There are situations when active use of a vehicle does not occur throughout the year, but only at a specific time of year. For example, a car owner uses the car only in the summer, and takes it to the dacha in the garage for the winter.

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Therefore, insurance is purchased not for a year, but for 6 months. And by next year the insurance turns out to be expired, but to renew it you need to take your car first to a technical inspection station and then insure it.

What to do in this case and what to do? Should I use the services of a tow truck or risk getting a fine myself and try to legalize my trips?

The resulting dilemma is that an insurance policy, which in fact should provide the owner with protection, puts him in an awkward position. The question immediately arises: how can you move a car without maintenance and insurance to the place you need?

What to do in this situation

The legislation does not say anything in plain text, and it does not indicate how to move a car without maintenance and insurance.

But what to do in this case, when documents are being re-registered (registration, insurance, maintenance) whose implementation takes place in the place of the new old owner?

The owner must insure the car within 5 days before registering it. It turns out that the car owner is recorded in the certificate, and the owner who disposes of the car is not necessarily the owner and can use the vehicle under a power of attorney or lease.

If you move a car without insurance, you must use a power of attorney. That is, this is a transaction between two individuals, as a result of which the rights to temporarily move and use a car are transferred from the real owner to you.

Refer to the law, you will have 5 days to move the car, which means:

with the previous owner, you draw up a power of attorney for an individual who wants to move the car
comply with the deadline of 5 days
the power of attorney is certified by a notary

If the situation is more complicated and the car needs to be moved very urgently without maintenance, insurance or a power of attorney, then it is necessary that the owner of the vehicle be present during the transportation and act as a passenger.

What the law says

Imagine the situation that you purchased a vehicle in another region of the Russian Federation and you need to deliver it to your home.

Driving an uninsured vehicle is dangerous. In this case, the driver will be fined, and the car will be sent to a impound lot.

It is not clear what drivers should do in this case. After all, legislation is a delicate and fragile matter. The existing contradictions will confuse any car owner.

In support, we present the following arguments: the Federal Law on Compulsory Liability Insurance of Car Owners states: when a person has the legal right to own a vehicle, he is required to go through the civil liability insurance procedure until the car is registered. The period allotted for insurance is five days.

Following the law and complying with its provisions, you can drive an uninsured car for 5 days from the date of purchase and be guided only by the purchase agreement.

But as a result of a traffic accident, insurance compensation will not be paid. If you are at fault for the accident, you will pay for it yourself.

But the traffic rules, contrary to Federal law, tell a completely different truth. But our valiant authorities do not care about the fact that you can drive for 5 days and they will be guided primarily by traffic rules.

For complete confidence in the legality of their actions, they will give a clear example of the extension of the insurance law only to those vehicles that are not in use.

According to the rules of movement, the car owner must carry an insurance policy with him and, when asked by the traffic police, provide it. In the absence of insurance, the Code of Administrative Offenses of the Russian Federation comes into force.

You will be charged with an administrative fine for failure to comply with mandatory insurance requirements in the amount of 500 - 800 rubles.

The rules for passing a technical inspection in 2018 for people with disabilities are here.

Legal ways to transport a car - MTPL transit agreement

There is a way that will help you register and drive a car without insurance legally, without wasting your nerves and effort.

According to the law, the owner of a vehicle has the opportunity to issue an insurance policy without a technical inspection in the following cases:

the vehicle goes to the owner as a will, inheritance, is purchased with subsequent transportation to the place of registration;
The vehicle is transported to technical inspection centers or undergoes a new MOT.

The above situations allow car owners to obtain an MTPL policy for up to 20 days, which, according to the authorities, should be enough to complete the maintenance procedure and issue an insurance policy.

As stated earlier, Federal laws and traffic regulations often differ.

If you don’t want to spend large sums on ordering a tow truck to transport your car or risk running into traffic police officers who will not miss the opportunity to fine you, then it would be better if you protect yourself with an inexpensive and 100% option that law enforcement officers will not tamper with.

Solving the problem and moving the car legally is quite simple. The government and higher authorities are worried about how you can do this.

You contact a nearby insurance company, apply for a policy, and the twenty-day report is in progress.

Standard semi-annual or annual vehicle insurance is quite expensive, especially if the car is purchased on credit, then it’s a real hassle.

In the case of a short period of insurance and obtaining protection from insurers, the price of twenty-day insurance will be much cheaper.

Insurance company employees will conduct appropriate consultations and notify and offer solutions regarding financial issues.

The price of an MTPL insurance policy for 20 days is directly affected by the following facts:

engine volume and power of the transported vehicle;
your driving experience;
age and reputation (place of work, financial situation, influence on others);
place of issue of the MTPL policy itself (region of the country).

There is no specific figure that reflects the cost of temporary insurance. However, you can be guided by the following principle: the cost of compulsory motor liability insurance will cost 20% of the price of a full annual policy.

Where can I buy transit insurance?

The procedure for obtaining temporary insurance can be carried out at places of purchase of vehicles or car dealerships. In a specific location, you can also find out a detailed price, which depends on the insurance company working with the dealer.

Do not forget that the allotted period for insurance is no more than 20 days.

There are certain cases when you are allowed to extend the period of temporary insurance. Accordingly, the price for compulsory motor insurance will be higher.

When the allotted transit time for processing all documents and moving the car expires, the temporary license plates are replaced with permanent ones, and the twenty-day insurance gives way to a standard policy. The vehicle is immediately registered.

Brokers also have the opportunity to purchase a temporary insurance policy. Such employees play a “double game” and work with not one, but several insurance organizations.

During a consultation with a broker, he may deliberately persuade you to choose a specific insurance agent. However, in the latter case, the right to choose remains with you; he certainly cannot impose or force you.

It's often easier with brokers. No need to collect information about insurance companies, prices and services. It will be convenient for busy people, because a broker can come at any time and visit your home and talk about the details.

Therefore, it is strongly recommended not to try to deceive the law and go the right way. After all, if a car has to be driven over a long distance, then no one is safe from a traffic accident on highways.

And if trouble does happen, you will have to deal with it yourself, and in addition, you may be fined for lack of insurance.

What documents should a driver have when moving a car?

When driving a car over a long distance without maintenance, but with temporary insurance, the driver must have the following documents:

driver's license;
temporary insurance;
documents confirming the ownership of the car.

Advantages and disadvantages of temporary insurance

The main benefit of a term insurance policy is that it saves money in two ways. The first is unpleasant meetings at the traffic police, which will legally prove you wrong and most likely fine you.

The second plus is associated with savings and payment to the insurance agent of a sum of money in the event of an accident or other emergency.

As for the downsides, it’s a waste of money on an MTPL policy. If the driver lives a kilometer away, then there is no desire to bother with documentation and pay money for a 5-minute drive.

If you find yourself in a situation where you need to deliver a car from one place to another without having insurance, then it doesn’t matter. The legislation provides for procedures for the safe movement of a car by obtaining temporary insurance without a diagnostic card using a shortened procedure.

By adhering to traffic rules and legislation, you will not find yourself in situations where you will have to spend a lot more money and savings will lead to additional expenses exceeding the amount you regretted.

There is information in the table about the contents of the first aid kit for technical inspection in 2018.

Is it possible to get insurance without a technical inspection in 2018? This is discussed on the page.

Video: They want to save conscientious drivers from the cost of technical inspection

Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

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Driving a car without compulsory motor liability insurance - is it possible or not? Traffic police comment

The reader’s question is answered by the head of the Main Directorate for Road Safety of the Ministry of Internal Affairs of Russia, Police Lieutenant General Mikhail Chernikov.

My brother asked me to help him buy a new car. I will buy it myself in Moscow, and then drive it to Orenburg, where my brother plans to register the car and take out an MTPL policy. Is it possible to move a car without a policy?

K. Kuzovkin, Orenburg

Article 4 of the federal law “On compulsory insurance of civil liability of vehicle owners” obliges the owner of a vehicle, when the right of ownership arises (when acquiring it into ownership, receiving it under economic management or operational management, etc.) to insure his civil liability before registering the vehicle, but no later than ten days after the right of ownership arises. Article 32 of the same law prohibits the registration of vehicles whose owners have not fulfilled this obligation. At the same time, when applying to the State Traffic Inspectorate for registration, it is necessary that the insurance contract be concluded for a year. So you have three options.

The first is to purchase a car and drive it to Orenburg without an insurance policy, provided that you do it within ten days.

The second option is that if you do not meet this deadline or simply want to protect yourself from possible risks during the trip, you can take advantage of the opportunity (provided for in Article 10 of the same law) to purchase an MTPL policy for up to twenty days to travel to the place of registration.

Finally, if you have the appropriate powers specified in the power of attorney from your brother, you have the right to enter into an MTPL agreement (for a year) and register the car in Moscow - this is the third option.

How to move a car after buying it without insurance

It happens that when buying a car you need to drive it to another city. If the car is new, then it does not have insurance, which means that the vehicle cannot be used. In this case, we will tell you how to move the car in this article.

Content

How to move a car

The law does not directly indicate how to move a car without insurance, but the new owner is required to apply for compulsory motor liability insurance no later than 10 days after purchase.

If your new car is at the stage of re-registration of documents, then there are several options for driving it to the place of registration:

Issue a notarized power of attorney. With the help of a power of attorney, you can drive a car on behalf of the previous owner;
Draw up an agreement for the free use of a car. After purchasing a car, you become the owner, but according to the documents, the seller remains the owner. In essence, this is a lease agreement, but without material benefits. Having a free use agreement in hand, you can also drive a car on behalf of the previous owner, but this agreement does not need to be notarized;
Take the old owner of the car as a passenger. If you are stopped, refer to the MTPL law, which gives you the right to defer the issuance of a policy for 10 days.

Another option is to issue a transit insurance policy.

How the MTPL transit policy will help

What to do if the period of 10 days after purchase has been exceeded, or it is not possible to carry the previous owner with you, or to issue a power of attorney? To avoid fines and to avoid losing your car, take out temporary insurance.

The MTPL transit policy is issued for a period of no more than 20 days. This is enough to drive the car, register it and undergo technical inspection. If you are sure that you will have time to register your car earlier, then insurance can be issued for any period from 10 to 20 days. A transit policy differs from a regular policy only in its validity period.

Upon receipt of the policy, transit numbers are assigned to the car. As soon as the car is registered, the temporary plates are replaced with permanent ones and a permanent OSAGO policy is issued.

A temporary policy can be registered both by the buyer of the car and by a third party carrying out the transfer. If you have a power of attorney, others can also take out a transit policy.

Where to buy transit insurance

If you are purchasing a car through a dealership, you can get temporary insurance there after you sign the contract. This will be the fastest and most convenient.

If the purchase was made through a dealer or agent, then you have the right to request the service from the insurance company directly or apply online on the insurance website.

Or, finally, use the services of an insurance agent or broker. This is convenient, since you can arrange a meeting with them anywhere you need. An agent differs from a broker in that he works with one insurance company, while a broker works with several at the same time. Be careful when choosing a broker or agent - among them there are often scammers who work using fake forms.

How much does transit insurance cost?

The cost of transit insurance depends on several parameters:

Engine power;
Age and experience of the driver;
The region where the policy is issued.

Typically, the price of transit insurance is approximately 20% of the cost of an annual MTPL policy.

Advantages and disadvantages of temporary insurance

The undoubted advantages of obtaining transit insurance are that it can be obtained without a diagnostic card, as well as an affordable price.

The disadvantages include the short validity period and the impossibility of renewal (you need to draw up a new contract).

Is it possible to move a car without insurance? It’s possible, but is it worth risking your car, especially if it needs to be transported over long distances? If the car gets into an accident, the cost of repairs will cost many times more than the cost of temporary insurance.

How to move a car without insurance: legal methods and possibilities

The Federal Law of the Russian Federation “On Compulsory Motor Liability Insurance” regulates the obligations of the car owner for insurance (civil liability insurance). In other words, the law does not directly indicate how to move a car without insurance (Chapter 2, Article 4).

Law and law

But what to do then if a transaction is drawn up for the purchase and sale, transfer as a gift or by will of a car; and there is a need to re-register documents: certificates of registration and registration, insurance, which are carried out at the place of registration (residence) of the new owner?

The law establishes that the owner (if he has ownership of the car) must insure civil liability and risks in case of harm to life and health, as well as to the property of other people. And he is obliged to do this before he registers the car (but no later than five days from the date of its purchase, or the emergence of another right of ownership - gift, inheritance).

The owner of the car is listed on the registration certificate (of the car)
The owner is the manager of the car, not necessarily its owner; can dispose of leases, powers of attorney and other documents.

In cases where you need to decide how to move a car without insurance, you can use a power of attorney. This document governs a limited transaction between two parties and gives the person receiving the power of attorney the right to drive a car on behalf of the grantor.

The Law “On Compulsory Motor Liability Insurance” gives the new owner of a car a period of 5 days during which he must take out insurance, therefore:

Together with the former owner, you need to draw up a power of attorney or an agreement for the free use of the car for the person who intends to re-register (or drive) the car
The document must be dated taking into account a period of 5 days
A new power of attorney can be issued by a notary (without his participation, only an agreement for free use is concluded - if this was indicated in the power of attorney).

If you need to decide how to move a car without insurance without drawing up powers of attorney and contracts, then in this case the owner must ride in the car as a passenger (the absence of a written document does not confirm the invalidity of the transaction - Civil Code of the Russian Federation, Article 162). If a car is stopped by traffic police officers, you should refer to the Law, Art. 4; clause 2 “About MTPL” and inform about the oral agreement for free use of the car and the legal right to use 5 days for insurance.

The listed methods are not mandatory for the manual and are possible only in extreme cases.

To solve the problem, there is a legal and civilized way that will help you complete the paperwork and register the car calmly and without nervous stress.

Federal Law of the Russian Federation “On Compulsory Motor Liability Insurance”, Art. 10

An article in the Law gives the owner the right to take out insurance for a period of no more than 20 days without a technical inspection (diagnostic) card in cases where:

Acquired or inherited, by will, etc.; and the car is driven to the place of registration (insurance period – 1 year)
It should be (transported) to the place of maintenance or repeated maintenance.

In these cases, MTPL insurance policies are issued for a specified period, which will be sufficient to move the car, undergo technical inspection and complete the necessary documents.

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