When to renew OSAGO

When is it time to renew OSAGO?

Many car owners are accustomed to planning their trips and expenses in advance, so they often think about when it is necessary to renew the MTPL agreement. This issue has been resolved by law; there is a rule in accordance with which the period possible for the early issuance of a new policy during the validity of the old one is determined. It is 30 days until the end of financial protection.

So, for example, if the contract ends on July 31, then the renewal of the vehicle license is possible as early as July 1. Moreover, this can be done in any locality of the Russian Federation where there is a representative office of the insurance company, or by using the Internet if you have an electronic insurance option.

How long does it last?

The legislation stipulates that the maximum duration of the MTPL agreement upon its conclusion is 1 year. For example, the driver issued a document on April 25 of the current year for the entire insurance period. This means that the last day of financial protection will be April 24 next year. That is, on the 25th you cannot drive under the old policy; you need to apply for a new one. Firstly, for driving a car with an expired document, a police representative can bring administrative liability, and secondly, in the event of an accident on the road, you should not count on any compensation. It’s just that in this case there are no reasons to contact the insurance company.

If your insurance expires

What to do if the insurance contract is coming to an end, and a new policy has already been ordered but not issued? The law provides for some exceptions when a driver can hit the road in the absence of an extended document:

• within 24 hours after the end of the insurance, you can drive, subject to the execution of the next contract;
• The insurance company issued a special document indicating that the owner of the car will soon receive a completed contract.

In addition, there is a provision according to which, provided that within two months the policyholder does not contact the insurer with a statement that he will not draw up a new document, the company can continue the contract automatically for another year.

How many days in advance can you renew your MTPL policy?

In order to renew your MTPL policy, you must come to the territorial office of the insurance company 30 days before the expiration date of the document in hand. Although the law does not clearly establish the period during which it is possible to obtain a motor vehicle permit in advance, but only states that upon expiration of the old contract it is necessary to conclude a new one, there is a provision where the most acceptable period for carrying out such a procedure is precisely 30 days. That is, you can come to the insurance company a month, a week, or a day or two before the “X” hour. But you can extend it the next day (or rather, within 24 hours) after the expiration date of the previous policy.

What do you need from the documents?

Before visiting the territorial representative office of the insurance company to renew the old MTPL contract, you should prepare the following documents:

• passport of the car owner, who simultaneously acts as the policyholder;
• confirmation of the registration of the car with the traffic police;
• technical passport for the car;
• driver's license of the applicant and all parties to the contract (if there are several persons granted the right to operate the vehicle);
• diagnostic card for the car confirming the absence of serious damage due to an accident;
• It also doesn’t hurt to take with you an insurance policy that has already expired (or is about to expire).

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We analyze in detail how to renew a compulsory motor liability insurance policy and when to do it

Many motorists do not know that the MTPL rules have changed and now motorists in our country do not have the legal 30 days to renew their policy. Today, the policy is considered invalid the very next day after the day the contractual relationship with the insurance company as specified in the policy expires.

How many days before the insurance expires can it be renewed? Where to go and what you need to have to renew the contract in our article today.

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How long does the insurance policy last?

The validity period of this document is the period during which the policyholder who has drawn up the MTPL agreement can expect that the insurance company will pay for the damage to the victim in the event of an accident. In our country, the most common insurance period for compulsory motor third party liability insurance is one year.

Minimum duration of insurance

It all depends on what category the vehicle belongs to, there are three in total:

1. Cars that are operated only on the territory of the Russian Federation . The owner can insure such a car for any period of time, but no more than 1 year and no less than 3 months. Most often, seasonal insurance is chosen by drivers who use their car only part of the year (for example, for trips to the country in the summer).
2. Vehicles with a transit license plate . In this case, the policyholder can insure such a car for no more than 20 days. This temporary insurance is intended to enable the driver to bring his vehicle to the place of registration with the traffic police or the place of inspection.
3. Vehicles that are registered outside the Russian Federation . Most often these are cars used by travelers. Such car owners can purchase a civil liability contract for a period of no more than 15 days and no less than 5 days. Even if the driver of such a car plans to enter the territory of the Russian Federation for only 1 day.

Watch the video about the validity period of the MTPL insurance policy:

How many days before the end of the compulsory insurance policy must the extension be made?

From April 1, 2015, motor vehicle liability agreements can be concluded both on paper and in electronic format.

To avoid queues at IC offices, you can renew your insurance on the IC website .

No matter how strange it may sound, but today neither the rules on compulsory motor liability insurance nor the law stipulate the period during which the policyholder has the right to apply to the insurance company to extend the auto liability contract.

For example, clause 1.12 of the MTPL rules states that “the extension of the motor third party liability contract must be carried out by the insured upon the expiration of its previous contract by concluding a new contract with the insurance company in which the previous contract was concluded for a new term in the manner prescribed by the current Rules "

Consequently, from this we can conclude that today a motor third party liability contract can be concluded by the insured not only in the manner established by the law on compulsory motor liability insurance, but also in accordance with the general rules of the Civil Code of the Russian Federation on public contracts.

If we turn to Articles 426, 445 of the Civil Code of the Russian Federation, we can see that legislators set a period of 30 days for the policyholder to agree on the terms of the auto liability contract as a public contract, plus another 30 days for protocols of disagreements to be resolved under the terms of this agreement.

As a result, it turns out that according to the legislation in force in the Russian Federation, the policyholder has the right to contact his insurer with an application to extend the insurance contract within 60 days from the end of the previous contract. But as practice has shown, many insurance companies recommend prolonging the insurance contract not after the current policy expires, but earlier.

Who can perform this procedure?

You can renew your auto liability policy at any insurance company . Today it is possible to renew your policy without leaving your home. You can renew your contract from anywhere in the world where you have Internet access. You can do this on the website of the insurance company you have chosen.

The new policy will begin the day after the previous insurance contract expires.

Watch a video about extending your MTPL policy online on the Internet:

What documents are needed?

If the policyholder comes to his insurance organization with a previous MTPL policy, then, in principle, he may not provide any information about himself (unless, of course, there have been changes, for example, a change of name or rights), the consultant will find information about the owner of the policy in his database and will issue you a new insurance contract.

But, if you are applying for a contract renewal not in your insurance company or you do not have a previous insurance contract in hand, then you will have to provide the insurance company employee with the following information:

1. Personal information about the policyholder and car owner (and the policyholder and the owner of the car can be different persons) such as:
   • details of the passport or a document replacing it;
   • driver's license details;
   • your SNILS number (according to Article 15 No. 40-FZ, this document was excluded from the list of requirements for drawing up a civil liability contract, but some insurance agents continue to require it from their clients);
   • information about the place of registration of the car insurer.
2. Car information:
   • information contained in the PTS or STS;
   • car diagnostic inspection card (if your vehicle is less than three years old, then you have the right not to provide this document). The insurer can also check the completion of a diagnostic examination using the unified EAISTO database;
   • auto liability policy that requires renewal (if available).

If you are taking out a limited auto liability policy, then in order to provide drivers with legal access to driving a car, you must include them in the auto liability policy; to do this, you need to provide the insurance company employee with the following information :

• passport details of the drivers you trust to drive your car;
• information from driver's licenses.

Instructions for registration offline

The contract can only be extended by the policyholder or a person who has a power of attorney to represent the interests of the policyholder.

At the insurance company office you will need to write an application to renew the compulsory insurance contract. Next, the insurance company employee, based on the documents you provide, will draw up a new insurance contract on a new form. After this, all you have to do is pay the insurance premium.

Deadlines and costs

An insurance company employee can carry out an extension of a motor vehicle liability contract on the day the client contacts the insurance company. The renewal of the insurance contract is carried out by the company's employees absolutely free of charge . You will only have to pay the amount of the insurance premium due to you for the auto liability contract itself.

Possible problems and nuances

The first thing you need to do is meet the deadlines. Since, if the client contacts the insurance company later than the period provided for by current legislation, then prolongation of the contract will no longer be possible, and a new contract will have to be concluded.

Another reason you should not miss the renewal deadline for your motor vehicle liability contract is that you may be fined 800 rubles for driving without a policy .

Of course, the situation with the renewal of policies is ambiguous in terms of terms, since Articles 426 and 445 of the Civil Code of the Russian Federation indicate one term, and the rules of OSAGO state that citizens must renew their compulsory insurance contract immediately upon expiration of the previous contract (this norm is enshrined in the OSAGO Rules clause 1.12). In this situation, the main thing is not to miss deadlines and not wait until 30 days have passed from the end of your insurance contract.

Renew your MTPL policy: what do you need to renew your insurance?

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Not all motorists know that today there are different rules for renewing an MTPL policy. Previously, car owners were given another 30 days to obtain new insurance. Today, the policy becomes invalid the very next day after the expiration of the contractual relationship described in the agreement with the insurer.

This article will discuss questions regarding how you can renew your insurance, where to go for this purpose, and how much such a service may cost.

How to renew your MTPL insurance policy?

There are rules according to which concluding a new contract and renewing an MTPL policy are completely different procedures. When signing an agreement for the issuance of insurance, we may be talking about the execution of a document for the first time, or the car is transferred into the possession or temporary use of another insurer. The new owner does not have the right to issue an extension of the MTPL policy, since we are talking about a newly concluded policy.

In general, MTPL insurance is issued for one year and at the end of this period the contract is extended by issuing a policy with the previous insurer for a new term. The renewal period for an MTPL policy is not regulated by current rules, but the insurance holder is required to apply for a document renewal no later than the expiration of the policy. When renewing the policy, the following actions are performed:

• the current coefficients are recalculated taking into account insured events that arose during previous periods, as well as the driving experience and age of the drivers;
• the premium is calculated from the tariff plans in force at the time of policy renewal;
• the client is issued a new document.

Answering the question whether it is possible to renew a car policy in advance, we can say that the client has the right to contact the insurer in advance, and the company representative, in turn, is obliged to renew the policy taking into account the validity period of the document. The extension begins to take effect from the next day after the completion of the insurance “work” . As for how many days in advance you can apply for an insurance renewal, the following options exist:

• when contacting the old policyholder, this can be done two weeks before the expiration of the old document;
• when contacting a new policyholder - a few days before the expiration of the previous policy.

It is extremely rare, but this also happens, insurance companies go to take out insurance 30 days before the end of the previous one. The document will indicate the occurrence of liability on the part of the policyholder for the “Damage” risk only after a re-inspection of the vehicle.

It should be noted that it is not possible to extend MTPL insurance for a month. It is possible to issue a policy for 15-20 days if it is necessary to transport the car or carry out the necessary maintenance. Events. The minimum period for obtaining insurance is 3 months.

Electronic policy renewal

Today, a client can renew car insurance via the Internet. To do this, you will need to go to the insurer’s website and complete all the necessary steps. An important point is that you can renew your policy online:

• documented;
• electronic policy.

The procedure for prolonging insurance is similar to virtual registration of compulsory motor liability insurance. Today, users have access to a service that allows them to renew their MTPL policy using the previous policy number. To do this you will need to do the following:

1. Log in to your personal account on the website of the insurance company (where the policy was originally received).
2. Go to the “MTPL” section, and then to “Renewal”.
3. Find the previous policy by series and number.
4. Enter the data required to renew the document.
5. Wait for information about payment for the policy to appear and transfer the required amount.

After receipt of payment, a new electronic policy will be sent to the account specified when renewing the document. Additionally, it is worth saying that you cannot renew your policy through State Services , but you can only go to the insurer’s website where the document was issued.

What is needed to renew MTPL insurance?

To extend the period of insurance use, you will need to comply with some features of the procedure, namely: perform certain actions and prepare the necessary documents. Mandatory actions must be as follows:

1. The car owner will need to contact the insurance company - in person or online.
2. Use the insurance policy renewal service.
3. Prepare and submit the necessary documents to the insurer's representative (the list is given below).
4. Pay the cost of insurance renewal.
5. Get a new document.

The signing of an agreement to renew the document can only be done when the policyholder personally contacts the insurance company or his legal representative who has a notarized power of attorney. As required documents, you will need:

1. Passport or other citizen's identification document.
2. PTS and registration certificate for the car.
3. Driver's license.
4. Diagnostic card (the original is required if such a document has not been submitted previously).

It would be better to take your old policy with you to simplify and speed up the renewal procedure, although in fact this document is not required to be presented.

How much does it cost to renew car insurance?

As a general rule, insurance renewal is not a reason for benefits and discounts. For this reason, the cost of renewing the insurance policy will change only taking into account the following indicators:

• current coefficients and tariffs;
• age and driving experience of the driver.

If several drivers are allowed to drive a car at once, then the maximum possible coefficient from those determined for each person is taken into account for the calculation.

Is it possible to renew OSAGO if the policy is expired?

It often happens that the driver did not have time to renew the MTPL. In this case, there can be only one consequence - you cannot drive a car without insurance. As for the extension of an overdue compulsory motor liability insurance policy, this is quite possible, and no restrictions have been established in the legislation on this issue. The main thing that needs to be done when the driver does not renew his insurance on time is to go to the insurer and get a new policy.

What to do if you are refused to renew your MTPL policy?

Sometimes, insurers refuse to renew insurance due to the fact that the necessary documents are missing, a technical inspection has not been carried out, or there is no old policy. In addition, there are demands that the representative of the insurance company does not have the right to make. In particular, we are talking about the following actions:

• there is no need to apply for insurance, since we are talking about the continuation of cooperation under the main agreement;
• the insurer is not obliged to draw up and issue notifications about road accidents or a list of representatives by region;
• in turn, the policyholder is not obliged to provide original documents necessary for concluding an insurance agreement if the insurer does not have such data.

In fact, all these requirements are unlawful and the user can obtain insurance by contacting the insurance company. When the policyholder refuses this action, the insurer has the right to go to court.

Is it possible to extend the MTPL policy without a technical inspection?

Sometimes insurers require you to bring your vehicle for inspection . This condition is not considered legal, since clause 1.7 of the Rules states that the insurer itself decides on the need for technical inspection. If the car owner does not want to drive the car, then insurance must be carried out without presenting the vehicle. By analogy, the issue is with the extension of the MTPL policy. In other words, insurance agents cannot require a mandatory inspection.

Renew your MTPL policy by proxy

According to the law, not only the owner of the car, but also his legal representative can extend the validity of the insurance policy. It is important that this citizen has with him a trust document drawn up in accordance with all the rules by a notary.

Renew your MTPL policy

According to the insurance rules, the MTPL contract is concluded for one year, after which it must be renewed. In the extended contract, the insurance period is the same - twelve months. The price for OSAGO renewal in most cases is calculated taking into account a reduction factor if the driver did not have an accident in the previous year. From July 1, 2015, the extension of the MTPL agreement can be issued via the Internet. JSC AlfaStrakhovanie offers to renew your MTPL policy online, as well as at any of the company’s offices. You can choose a method that is convenient for you, which will save time and avoid fines due to lack of insurance.

How to extend OSAGO?

Renewal of MTPL insurance via the Internet in your personal account

In order to apply for an electronic renewal of your MTPL policy, follow a few simple steps.

1. Register on the website and indicate your MTPL policy.
2. Go to the “Policies” section: the current insurance policy will be displayed in the list, and next to it there will be a “Buy E-OSAGO” button. The extension takes place according to the terms of the previous contract; there is no possibility to change the terms of the contract online.
3. Wait until you have completed the data check at RSA, after which you will receive a message to the e-mail specified during registration about the opportunity to renew your electronic OSAGO policy online, and along with it an application to fill out.
4. Log in to your personal account, where you will see the cost of the service. Next to the current policy, click on the “Pay for E-OSAGO” button, select a payment method and make a purchase.

After successful payment processing, you will receive an electronic policy to the email specified during registration.

What documents are needed to renew your MTPL policy in the office?

What is needed to renew the MTPL policy in the office in 2018? This requires the same package of documents that you provided when initially applying for insurance. To extend compulsory motor third party liability insurance, you need:

• application for concluding an agreement in the prescribed form;
• passport or other document proving the identity of the policyholder;
• vehicle registration documents (vehicle passport, vehicle registration certificate, technical passport or similar document);
• driver's licenses of persons authorized to drive a vehicle (if the MTPL agreement is concluded on the condition that only certain persons are allowed to drive a vehicle);
• diagnostic card.

Residents of Moscow and other regions of Russia can also renew their compulsory motor liability insurance online using the “Personal Account” service.

When do you need to renew OSAGO?

Of course, it is advisable to maintain continuity of insurance: the validity period of each subsequent contract should begin immediately after the end of the period of use of the previous one. Renewal of the MTPL policy is possible no earlier than 2 months (60 days) before the expiration of the previous contract.

Compulsory motor third party liability insurance is running out: everything you need to know about renewing your civil auto insurance contract

The validity period of the policy is the period during which the car owner who has drawn up the MTPL contract has the right to expect that the insurer will compensate him for damage in the event of an accident.

Validity period of the MTPL insurance policy

From March 1, 2008, the validity period of the compulsory insurance contract is one year. You cannot use one policy in Russia beyond this period without renewing the contract.

However, it must be taken into account that the driver or owner of the car has the right to indicate the time period during which he intends to travel by car. For example, there are car owners who do not operate their vehicles in winter. Or they are constantly on business trips and therefore drive a car only a few months a year.

Accordingly, the cost of insurance for such drivers will be less than for the annual operation of the vehicle. You can schedule the period during which you are supposed to use the car directly when you sign up for the policy: 1 month in the summer, 2 in the fall, and so on. The insurer will add up these months and calculate the total cost.

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Minimum and maximum duration of insurance

The MTPL agreement does not have to be concluded for a year at once. Typically, when buying or selling a car, the policyholder prefers a short period. The following options are available:

• 3 months;
• 4 months;
• 5 months;
• 6 months;
• 7 months;
• 8 months;
• 9 months.

In this case, a contract for 10, 11 and 12 months will cost the same as for a full year.

Important: the fewer months in the contract, the more expensive the cost of each of them will be. That is, the cost of one month for the policyholder, for example, will be three months more than for someone who insures for a year. The increasing coefficient is differentiated from 0.5 to 0.95. It follows that in three months you will have to pay half the amount of the annual contract.

Any contract concluded for a period of less than a year can easily be extended until the end of the year. The amount of the surcharge is calculated taking into account the above coefficients.

The maximum term of the insurance contract is 1 year.

Separately, it should be said that for cars with transit license plates, insurance cannot be longer than 20 days. The time limit is allotted to bring the vehicle to the traffic police and register it. In addition, cars that are not registered in Russia are insured for a maximum of 15 days, and a minimum of five.

When do you need to renew your insurance policy?

Neither the law nor the MTPL regulatory documents provide for any specific deadlines for extending car insurance. Clause 1.12 of the MTPL Rules only states that a new contract must be concluded after the expiration of the old one.

You can check the validity period of your policy using the database of the Russian Union of Auto Insurers. You will only need to enter its number in the appropriate field.

The Civil Code of the Russian Federation provides that the policyholder has 30 days to agree on the terms of the MTPL agreement and another 30 days to eliminate contradictions within the framework of the protocol of disagreements.

Thus, it turns out that the car owner can contact the insurance company within 60 days after the expiration of the previous insurance.

Is it possible to renew the insurance contract in advance?

Many auto experts recommend starting to renew your MTPL agreement in advance. This will avoid the need to urgently search for the nearest insurance company when one morning the car owner suddenly remembers that the insurance period has expired today.

Experts say that it is better to renew the contract a month in advance , but the best option is a couple of weeks before the expiration of the previous one. This is not prohibited by any laws or regulations. In order to renew the contract, you just need to come to your insurance company with the old policy, specialists will find it in the database and re-issue the contract.

If the owner intends to conclude an insurance contract with another company, he will also need to take with him a passport, SNILS, driver's license and documents for the car.

Also today, insurance companies provide the opportunity to renew and issue insurance directly on their websites. The procedure differs only in that you do not need to leave your home to undergo it.

In conclusion, we note that for driving without an insurance policy in the Russian Federation there is a fine of 800 rubles, according to Art. 12.37 part 2 of the Administrative Code. In addition, if the driver gets into an accident while driving without insurance, the second private owner will have to compensate for the damage caused from his own pocket.

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