In what cases can you drive without compulsory motor insurance?

How can you drive without insurance?

The Supreme Court allowed to travel without Osago for ten days.

We all know that according to current legislation in Russia, you cannot drive a car without a mandatory civil liability insurance policy. For this, a fine of up to 800 rubles is provided (depending on the type of offense). But what about vehicle owners who recently bought a car and have not yet re-registered the car with the traffic police within the ten-day period established by law? Until recently, the State Traffic Inspectorate believed that in this case the new owner of the vehicle is also obliged to purchase an MTPL policy from the very first day of owning the car. But the Supreme Court of the Russian Federation thought differently.

Thus, the Supreme Court of the Russian Federation canceled a fine of 300 rubles issued to the car owner for driving a car after taking possession of it without an insurance policy.

The fine was issued despite the fact that the ten-day mandatory period during which the driver had to purchase an OSAGO policy in his name or enter his data into the old policy had not expired.

The reason for considering this case was a claim by the owner of the car, who believed that he had been fined illegally.

The owner of the vehicle acquired the right to use the car in February 2013, which at the time the offense was recorded had a valid MTPL policy, but the driver driving the car was not included in it. For this violation, the traffic police patrol drew up an administrative violation report and imposed a fine of 300 rubles. As the court found out, the driver, who was not indicated in the insurance policy, several days earlier acquired the right to use the car free of charge in accordance with the contract.

It would seem that this insignificant case should not have attracted the attention of many lawyers and legal experts. But the decision of the Supreme Court is actually important, and was included in 2014 in a review of judicial practice, which clarifies the position of the current laws on compulsory motor liability insurance and registration of cars with the State Traffic Inspectorate.

The fact is that the court sided with the driver and decided that it was illegal to impose a fine because the new owner (not the owner, but the owner on the basis of an agreement on the gratuitous transfer of the vehicle) of the car drove it without being included in the insurance policy.

“Before the expiration of the ten-day period allotted to the owner of the vehicle to conclude a civil liability insurance contract, the driver of such a vehicle has the right to drive it without an appropriate insurance policy.”

It is noteworthy that before the driver was able to defend his civil rights, all lower authorities recognized the legality of imposing administrative liability on the driver under Article 12.37 of the Code of Administrative Offenses of the Russian Federation, leaving the decision of the trial court in legal force.

On what grounds do vehicle owners have the right to drive a car without a compulsory motor liability insurance policy within 10 days from the date of purchasing a car under a sales contract?

According to the decision of the Armed Forces of the Russian Federation, the State Traffic Inspectorate does not have the right to fine a driver for driving a car without an insurance policy within 10 days after purchase, as this is provided for in Part 2 of Article 4, Federal Law of April 25, 2002 No. 40-FZ “On Compulsory Civil Insurance liability of vehicle owners" (only in a new edition based on the new Federal Legislation of July 1, 2011 No. 170-FZ). This current provision of the MTPL law directly allows the new owner to drive a car if he is not included in the MTPL policy, but for no more than ten days.

According to the Supreme Court of the Russian Federation, the driver of the car received from the owner of the vehicle the right to use the car free of charge. Accordingly, if the right to use a car arises for any reason, the driver is obliged to purchase an MTPL policy within 10 days from the moment this right to drive a car arises in accordance with the Civil Code of the Russian Federation.

As follows from the case materials, the driver’s ten-day period has not expired. Accordingly, the traffic police did not have the right to impose a fine.

If the driver who received the car for use was stopped by the traffic police after 10 days, then administrative liability could have been imposed on him by the traffic police. But since the period allotted by law for purchasing an MTPL policy has not expired, the court decided to cancel the fine for driving a car without an insurance policy.

What does this mean in practice?

Of course, our confusing legislation is one of the most complex in the world. The thing is that many laws contradict other Federal and by-laws. This is where the incorrect interpretation of certain provisions of the legislation comes from. But in fact, this court ruling is very important for all car owners, since anyone can be fined illegally. Especially in connection with the legal illiteracy of not only ordinary citizens, but also many civil servants.

Therefore, every driver should know that if you have just purchased a car and the ten-day period for re-registration of the owner with the traffic police has not expired, you can drive the car without an MTPL policy before the expiration of the period.

How to legally drive without a compulsory insurance policy?

Many enterprising vehicle owners, after this ruling of the Supreme Court of the Russian Federation, which was issued at the beginning of 2014, began to use a legal method to avoid buying a compulsory motor liability insurance policy and drive without the risk of being fined for more than ten days. To do this, those who do not want to purchase an insurance policy register their car in the name of their closest relatives, who allegedly transfer the car to the previous owner for free use or under a sales contract.

Thus, the previous owner (only from the legal side the driver is the previous owner, but in fact still continues to fully use the car) acquires the legal right to drive a car without a compulsory motor liability insurance policy for 10 days.

After the expiration of the period permitted by law, which allows driving without an insurance policy of compulsory civil liability insurance, the gratuitous agreement for the transfer of the vehicle (or any other agreement in accordance with the Civil Code of the Russian Federation - including the purchase and sale agreement) is rewritten with a new date, which gives the right to drive a car for another ten days without a compulsory insurance policy.

This can continue indefinitely. After all, no one will be able to attract a driver for such a trick. After all, the previous vehicle transfer agreement or purchase and sale agreement will never reach the traffic police, who in this case will never be able to find out about such an enterprising way of not buying an insurance policy.

What risks does a driver bear for driving a car without an insurance policy in the first days after acquiring ownership of the vehicle?

Despite the fact that the Supreme Court of the Russian Federation officially confirmed the possibility of legally driving a car without an insurance policy, nevertheless, there are huge risks for those who drive a car without an insurance policy. The whole point is that the compulsory motor insurance policy protects us from spending money if we are at fault in an accident in which harm is caused to the injured party. As a rule, in this case, all damage from an accident is covered by the insurance company.

But in the case of driving a car without an insurance policy (despite the fact that this is legal for 10 days), the driver, if he is at fault in the accident, will be (obliged) to pay the damage from his own funds. If the culprit of the accident does not pay the injured party for the damage caused, then the injured party has the right to file a claim in court to recover the damage caused in the accident. As a rule, such lawsuits do not end with damage alone. Often, to this amount the court adds the plaintiff’s expenses for a lawyer, examination, state duty and other expenses.

Therefore, we advise you, despite the possibility of driving a car for ten days without an insurance policy, after obtaining the right to drive a car, purchase an insurance policy or enter your data into the current policy, since in the event of an accident due to your fault, you risk paying for the damage from your own funds.

Is it possible to drive a vehicle without an insurance policy, and how can you drive legally without compulsory motor insurance?

Many motorists are interested in the question: in what cases can you drive a car without a valid MTPL policy? We will answer this question in detail in our article.

From the article you will learn in what cases you can drive without insurance, how to communicate with traffic police officers if conflict situations arise, and also what will happen if a traffic accident occurs without insurance.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

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Is a policy required?

The policy must be purchased without fail , because The driver has the right to drive without a policy only in exceptional cases. This insurance product does not insure the property of the vehicle owner, but his civil liability to third parties. According to Article 4 of Federal Law No. 40, vehicle owners must undergo the procedure of insuring their civil liability without fail.

In what cases can you drive without insurance?

The only case when a car owner has the right to drive a vehicle without insurance is when purchasing a new or used car. If you purchase a new car at a dealership, then most often you are offered to draw up a civil liability agreement right on the spot.

But the owner of the car may not be satisfied with the tariff of the organization with which the car sales company cooperates, or the person simply wants to formalize an agreement with another insurance company. What to do then? Many insurance agents scare vehicle owners with the fact that the law does not allow them to operate a car without a valid auto liability policy.

When purchasing a car, the driver has the right to drive for 10 days without insurance on his car from the moment the purchase and sale agreement is concluded. This rule applies not only to new cars, but also to those that were purchased secondhand. We talked about this here.

When going to the UK to obtain a motor vehicle license, do not forget your purchase and sale agreement. This document will confirm that you have not violated the deadlines within which you are allowed to drive a vehicle without a policy.

We would not advise you to delay the deadlines , since before applying for a motor vehicle license you should also receive a car diagnostic inspection card (if the car is not yet three years old, then you do not need to undergo a diagnostic inspection), and after receiving the policy, you will have to park your car registration with the traffic police.

Those drivers who, after purchasing, drive their car to the place of registration, for example, to another region, can apply for compulsory motor liability insurance for a short period, but not more than 20 days.

What to do if there is no document?

Different situations happen in life and not everyone knows how to act in each specific case. For example, your friend has had too much alcohol and asks you to take him home in his own vehicle. But you are not included in his contract and if you are stopped by a traffic police officer, then penalties may be applied to you under Article 12.37 Part 1 of the Code of Administrative Offenses, i.e. a fine of 500 rubles.

Or you could purchase a car in a technically faulty condition. Theoretically, you can purchase 20 days of insurance to bring your car to the diagnostic inspection site. But this option is a waste of both money and time. What to do in these situations? To begin with, you should understand the following concepts:

• Management as the implementation of direct influence on the vehicle.
• Management in the civil legal aspect.

The first concept is regulated by traffic rules, and the second is in the Civil Code of the Russian Federation and means disposing of a vehicle at one’s own discretion. This is where the “dog is buried,” since when the owner of a vehicle changes, the law gives the right to drive a car without a valid auto liability policy for 10 days.

Now let's look at this issue in more detail:

1. The owner of the car is a citizen who is included in the title. The owner of the car is the one who disposes of this vehicle. And this can be either the owner or another person. The owner of the vehicle has the right to give the documents and car keys to another person and the car will have a new owner, i.e. de facto, an agreement for free use will be concluded verbally.
2. Any citizen has the right to insure a car, regardless of whether he is the owner or not. The new owner of a car is required to insure his vehicle before registering with the traffic police; the law allows 10 days for this from the date of receipt of ownership.

The traffic rules state that the driver is required to carry a valid motor vehicle liability policy in cases where this obligation is established by law. That is, to put it in other words, this norm in the traffic rules is a reference one, since it refers to the “Law on Compulsory Motor Liability Insurance”. And this law does not contain any prohibitions on driving a vehicle without a valid motor vehicle liability policy.

So, take a pen and a piece of paper and, together with the owner of the vehicle, quickly draw up an agreement for the free use of the vehicle in free form. With such an agreement you can travel for 10 days, without a document.

If you were too lazy or unable to draw up such an agreement, then if you are stopped by a traffic police officer, you can explain the reason for not having a policy by saying that there is an oral agreement with the owner of the vehicle on free use. In this case, you can refer to Article 159 Part 2 and Articles 161 and 589 of the Civil Code of the Russian Federation, and the fact of an oral agreement can be confirmed by eyewitnesses at any time.

Many motorists confidently state that, according to Article 162 of the Civil Code of the Russian Federation, a citizen cannot refer to the testimony of witnesses to a transaction. However, this publication applies only to those transactions that must be concluded in writing. a contract for gratuitous use in writing.

If you are driving a drunk friend home in his car, then you should understand that you are performing these actions on your own initiative, i.e. You dispose of the vehicle at your own discretion. And the owner of the vehicle is sitting next to you, who himself is a registration certificate for you and in this case you are not breaking the law.

If the traffic police officer reacts inadequately to a period of 10 days and draws up a report on you, then you should also mention in this document the decision of the Supreme Court No. AKPI 12-205, where everything we talked about earlier was officially confirmed. Also include in the protocol Resolution No. 12-AD 13-3, which also states everything we have stated above.

What happens in the event of an accident?

If you become involved in an accident, you will have to pay the amount of damage. If you are driving home the owner of the vehicle and become the culprit of an accident, then even the fact that you are not included in the auto insurance policy does not give the insurance company the right not to pay compensation to the victims.

However, after payments have been made, the insurance company has the right to make recourse claims against the owner.

Dangers and possible difficulties

Currently, the fine for driving a car without a license is 500 rubles. You should also understand that when driving a vehicle without a valid vehicle license, you risk that in the event of an accident you will have to compensate the victims for damages from your own pocket. We talked about the fines that will follow for driving without insurance here.

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How long can you drive without compulsory motor liability insurance in 2019?

From July 1, 2017, the rules of the law on compulsory motor liability insurance have changed. The new rules cancel the deferment for re-issuing an expired policy and require car owners to insure their civil liability within 10 days after purchasing the vehicle. To avoid getting a fine, you need to know exactly when and how long you can drive without compulsory motor insurance. We have grouped the information and compiled a memo for drivers, which took into account all the nuances.

How long does it take to get insurance when buying a new car?

After purchasing a vehicle, it should be insured and registered with the traffic police.

The Federal Law on Compulsory Motor Liability Insurance dated April 25, 2002 N 40-FZ has been amended several times. The latest edition came into force on July 1, 2017. It says: if a person bought a car, he must insure it within 10 calendar days.

The date of purchase is specified in the purchase and sale agreement. It is from this number that time is required to be counted. While the documents are being prepared, it is advisable for the driver to carry the DCP with him and present it along with his driver’s license when checking on the road.

When purchasing a car at a dealership, you have the opportunity to receive compulsory motor insurance immediately. There are always insurance company consultants in stores, with whom it is easy to conclude an agreement. The buyer has the right to refuse the service and take out a policy in another place within the period of time established by law.

The cost of compulsory insurance is affected by:

type of vehicle;

for what purposes will the car be used;

owner's driving experience;

To apply for a policy, individuals must prepare:

passport of a citizen of the Russian Federation;

driver's licenses of people who need to be included in the MTPL;

Is it possible to drive a car with expired insurance?

The insurance is valid for a certain period. Most often, compulsory motor liability insurance is issued for 1 year. Previously, 30 calendar days were allocated for re-registration. The grace period has now been cancelled. The policy becomes invalid immediately upon termination of the contract with the insurance company.

In order not to violate the law, the motorist should clearly remember the date of the agreement. He must contact the insurance company at least one day before the expiration of the compulsory motor liability insurance period.

You can calculate and reissue your policy online on the official website of many insurance companies. The sequence of actions is simple:

You need to register on the site.

Calculate the cost of the policy using an online calculator.

Pay for the purchase with a bank card.

Receive supporting documents and insurance by email.

The buyer does not need to certify the policy with a seal. The electronic version is the original OSAGO.

On February 15, 2018, the Central Bank of the Russian Federation issued Decree No. 4723-U. The regulator has made changes to the requirements for the use of electronic documents for civil liability insurance. Now e-MTPL comes into force 3 days after registration, so bank employees recommend paying for the purchase in advance.

You can apply for a car title for a new car only at the office of the insurance company. It is impossible to obtain the document electronically, since the vehicle data has not yet been entered into the unified OSAGO database.

When can you drive without insurance?

Federal Law No. 40-FZ of April 25, 2002, amended on December 29, 2017, in Art. 4 clause 3 provides for cases in which registration of compulsory motor liability insurance is not required.

You own a vehicle whose maximum speed is limited to 20 km/h.

The driver drives a vehicle registered in the Armed Forces of the Russian Federation.

The car is registered abroad and insured by an international insurance system.

The vehicle moves with the help of non-wheeled propulsion systems: sleds, caterpillars, etc.

I own a trailer for a car.

Driving without compulsory motor liability insurance: common misconceptions and myths

On online forums, it is easy to read messages from people who do not understand the laws and spread false information about applying for insurance. We have collected the most popular myths and misconceptions of car owners.

Despite the fact that the thirty-day grace period that was provided for policy renewal was abolished in 2009, some motorists are confident that they can still drive without compulsory motor liability insurance for a month after the end of their insurance.

There are erroneous statements that when managing by proxy, there is no need for a policy. This is wrong. If the owner of the vehicle has issued a power of attorney for another person, the person’s data must be included in the policy. Civil liability does not apply to the car, but to the driver. It is taken over by the person driving the vehicle.

Some smart people advise purchasing a fake policy. This is a useless and dangerous idea. A traffic police officer can verify the authenticity of insurance in a few minutes. For falsifying documents, the driver faces not only administrative, but also criminal liability.

Among the common myths, there is often an opinion that in the absence of compulsory motor liability insurance, the license plate number is removed from the car and it is evacuated to an impound lot. Traffic police officers do not have this right. If this happens, the actions can be easily challenged in court.

When purchasing or inheriting a car, the law gives a ten-day period for registration of compulsory motor liability insurance, but you should not abuse the opportunity. No one is protected from troubles on the road. If an accident occurs while insurance has not yet been obtained, the owner will have to pay all costs out of pocket.

Is it possible to drive a car without insurance?

by Evgeny 02.11.2019, 17:04 161 P 58 G Comments

Is it possible to drive a car without insurance? How many days can you drive a car without an MTPL policy under a purchase and sale agreement? What happens if your policy has expired or is valid but you forgot it at home? Is it possible to drive a car if you are not included in the insurance, but the owner is next to you? The answers to these and other questions are in the article.

Is it possible to drive without insurance under a sales contract?

According to 2019 standards, you can drive a car without valid insurance for only 10 days from the date of signing the vehicle purchase and sale agreement. As practice shows, in joy, a newly-made car owner often forgets about formalities and does not have time to contact the insurance company in a timely manner. Therefore, it is best to take out a policy immediately after purchasing a car, literally on the same day.

Often, drivers are cunning and rewrite the purchase and sale agreement several times in order to delay the purchase of an MTPL policy. But you must understand that as long as you drive a car without insurance, all the risks of an accident fall on you.

In what cases is there a fine for not having insurance?

A traffic police inspector can check the availability of insurance at any time.

You may be fined in several cases:

• You have valid insurance, but at the time of inspection you did not have it with you.
• You have purchased an electronic MTPL policy, but you do not take the printed version with you.
• You didn't take out insurance.
• The MTPL policy is expired.
• The policy is fake.
• You are not included in the insurance.
• You violate the seasonality of the policy.

Each case will be discussed in more detail below.

You forgot your insurance policy at home

Is it possible to drive without insurance if in fact you have it and it’s not expired, but you just left it at home? No, by law the driver of the car is required to carry the insurance policy with him. No policy - no insurance. According to Part 2 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation, the fine for a forgotten policy is 500 rubles. Although you can try to explain to the traffic police officer that you left the treasured piece of paper in your work jacket, and purely hypothetically, he may even meet you halfway.

Important: some inspectors in such cases immediately issue a fine of 800 rubles, as for expired or unissued insurance (see below). Such actions are unlawful and subject to appeal.

You forgot to print your electronic insurance

Purchasing an electronic policy does not relieve the driver of the obligation to carry a paper version of the insurance. It seems that you can check the availability of a policy using the database, but it is better not to argue with the inspector and always take a printout with you. The absence of a printed policy today is equivalent to the previous case.

Your insurance is expired or simply missing

Driving without insurance or with an expired policy is also prohibited. This case is regulated by Part 2 of Art. 12.37 of the Code of Administrative Offenses of the Russian Federation and entails liability in the form of a fine of 800 rubles. You are obliged to ensure that your insurance does not expire in advance and to issue a new policy in a timely manner.

There has long been talk that in 2019 or 2020 the fine for not having a compulsory motor liability insurance policy will be increased to 5,000 rubles, but to date this law has not been adopted.

By the way, remember that in the event of an accident that occurs through your fault, in addition to the fine for lack of insurance, you will also be responsible for the entire amount of compensation to the injured party.

And even when the injured party is you, you will be denied payment if your insurance is expired or not issued.

Your OSAGO policy is fake

The fine for a fake OSAGO policy is determined according to the same part 2 of Art. 12.37 Code of Administrative Offences, as for lack of insurance. At the same time, you may be charged with forgery of documents.

You are not included in the policy

Is it possible to drive a car if you are not included in the insurance, but the owner of the car is next to you? For example, if your friend became ill and you decided to take him to the hospital in his car. No, if you are not included in the policy, then by law you do not have the right to drive someone else’s car. And it doesn’t matter whether you are traveling with the owner of the car or without him.

This case is spelled out in Part 1 of Art. 12.37 of the Code of Administrative Offenses of the Russian Federation and threatens you with a fine of 500 rubles.

Violation of policy seasonality

Most often, insurance is issued for a full year, but in some cases, drivers buy a cheaper “seasonal” policy. For example, only for the spring-summer period. This may be necessary if the car owner uses the vehicle only in the warm season. For example, from March 1 to November 1.

Consequently, driving with such a policy in the period from November 2 to February 29 is a violation, for which part 1 of Art. 12.37 Code of Administrative Offences, you can receive a fine of 500 rubles.

How to reduce your insurance fine

All fines under Article 12 of the Code of Administrative Offenses of the Russian Federation are paid within 20 days with a 50% discount. Naturally, this only applies to cases “without complications”. “Complications” include driving while drunk (as well as refusing a medical examination), road accidents with injuries, violation of the speed limit, and so on.

Fines for lack of insurance from CCTV cameras

An automated system for checking the availability of an MTPL policy would help punish the maximum number of violators and significantly replenish the state budget. However, the new program is still poorly developed, so it has only been launched in test mode in Moscow.

The first fines from cameras for lack of insurance were supposed to be sent out at the end of 2018. You can read about this at this link. But at the moment, the traffic police does not have a comprehensive insurance base, nor has the mechanism for appealing incorrectly issued fines been thought out.

The legality of the actions of a traffic police officer

There are situations when a fine for lack of insurance is issued to a driver who bought a car less than 10 days ago. This is illegal! A traffic police officer may refer to the fact that after issuing a policy, the car owner is given 10 days to purchase compulsory motor liability insurance, but allegedly it is impossible to drive an uninsured vehicle during this period. It is not true.

Also, according to the law, the inspector cannot:

• Remove license plates from the car.
• Take the car to the impound lot.

Conclusion

So, you must take out car insurance in any case. In addition, a paper version of the policy should always be in the car. You can drive an uninsured vehicle with impunity only for the first 10 days after signing the vehicle purchase and sale agreement. In other cases, you face a fine of 500 - 800 rubles.

The question of whether it is possible to drive a car without insurance is usually asked by those who want to save money. The point is that it is unlikely that you will be able to save money.

First of all, the MTPL policy is the protection of the car owner himself. These are your guarantees in case of an accident. In the absence of insurance, the cost of eliminating damage can amount to 400 - 500 thousand rubles. It’s much easier to pay 4,500 – 5,000 rubles once a year. and be calm.

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How long can you drive without an MTPL policy?

A large number of motorists are concerned with the question: “How long can you drive without being fined without compulsory motor insurance?” Of course, no one argues that drawing up a civil liability contract is a mandatory procedure, but, unfortunately, it is not always possible in a timely manner.

This raises the question: “Is it possible not to take out insurance for any period of time and still use your car for its intended purpose?”

When answering this question, most drivers and traffic police officers will answer: “No!” And they will refer to the law on compulsory motor third-party liability insurance, which requires each vehicle owner to enter into an MTPL agreement and present it at the request of the traffic police inspector. Otherwise, a hefty fine will be imposed on the owner.

However, such a categorical answer is only partly true. The fact is that if the vehicle has been owned for some period of time, the owner is really obliged to take out a compulsory motor liability insurance policy, have it in hand, and for its absence receive a financial penalty, which does not exempt him from registration. Such a decision of the traffic police inspector is completely legal and cannot be appealed.

However, such a categorical answer to the question posed is only partly correct. The fact is that if the car has been in your possession for some time, then you are really obliged to have an MTPL insurance policy in your hands, and sanctions will certainly follow for its absence.

At the same time, the decision of the traffic police officer who punishes you for not presenting insurance is justified and legal, therefore, there is no point in appealing it. At the same time, despite the strictness of the law, there are a number of cases where the lack of insurance is acceptable and cannot be punished.

In what cases can you drive without a compulsory motor liability insurance policy?

The ability to drive without having a compulsory motor liability insurance policy is enshrined in paragraph 2 of Article 4 of the Federal Law - “On compulsory insurance of civil liability of vehicle owners.”

In accordance with its requirements, a temporary absence of a policy is possible only in one case - when acquiring the right to a car. Moreover, the law does not stipulate on what basis a citizen receives ownership rights. In this regard, the following cases are considered the moment of entry into property:

• Drawing up a purchase and sale agreement.
• Entry into the rights of inheritance of a vehicle (starting from the immediate moment of entry).
• Obtaining a vehicle under other ownership rights: conducting production and economic activities, operational management and others.

Acceptable periods of absence of compulsory motor liability insurance

In accordance with the above article of the law, the owner of the vehicle is obliged to issue a compulsory motor liability insurance policy no later than ten days. It should be noted here that 10 days is the number of calendar days (not working days!) during which the policy must be purchased, and the countdown starts from “00” hours of the day following the acquisition of rights to the vehicle.

This period is given to the motorist so that his car, before registration, has time to undergo a technical inspection, receive a diagnostic card, and, among other things, a compulsory motor liability insurance policy.

True, there are “cunning” car owners who manage to double this period – up to 20 days. Since the date of purchase is considered the date of execution of the purchase and sale agreement, and not registration with the traffic police, some motorists, not having time to undergo a technical inspection and take out insurance on time, rewrite the purchase and sale agreement again and thereby carve out an additional 10 calendar days for themselves.

However, it's not that simple. As practice shows, some particularly zealous traffic police inspectors may fine you for not having a policy even during this period. They refer to the fact that the owner “has the right to take out a policy for an additional 10 days, but not to travel.” We emphasize that such actions of the inspector are considered illegal and can be challenged in court.

Important! Despite the fact that the law determines the period during which you can drive without a car insurance policy, you must be aware that until you purchase compulsory motor liability insurance, all property liability for an accident (if you are found to be the culprit) falls on your shoulders. Therefore, it is not worth delaying the time frame for issuing a policy, even “to save money,” because such “savings” can cause significantly higher expenses.