Who can apply for compulsory motor liability insurance other than the owner

Can the insured under compulsory motor liability insurance not be the owner of the car?

Quite often, a car is purchased by one person and operated by another.

In order not to waste time on re-registration of property rights, the legislation of the Russian Federation provides the opportunity for the owner of a vehicle to entrust the driving of the car to another person.

In this case, the question becomes relevant: who can be the insured under compulsory motor liability insurance, and whether it is possible to obtain insurance for someone other than the owner of the car.

First of all, you should figure out who the insured is in the MTPL policy. He is the person who enters into a compulsory motor liability insurance agreement with an insurance company.

The policyholder pays money for insurance and makes the necessary adjustments in the future. He has the right to change the period of use, add new drivers, receive a duplicate of the policy, and the like.

Amendments were made to the rules of compulsory motor liability insurance, the provision of the law in relation to persons who issue insurance policies has changed.

The policyholder and the owner of the vehicle are different persons under compulsory motor liability insurance. The insurance form contains two separate columns for them, which confirms the right for another person to take out the policy. This can be any driver authorized to drive a vehicle.

In accordance with the law, a party to the contract may be:

• the owner himself;
• his confidant;
• a driver who operates a vehicle by proxy;
• a close person or just an acquaintance.

Thus, the insured under the MTPL policy may not be the owner of the car. In this case, a person does not have to have a notarized power of attorney for him.

One person can be the policyholder, another can be the owner, and a third person can drive the insured vehicle.

The law does not specifically specify whether it should be an individual or an organization. Any person has the right to insure a car.

The policyholder must simply perform his simple duties:

1. Provide truthful information, valid documents or photocopies thereof. They are needed for the correct calculation of the insurance premium and the conclusion of the MTPL contract.
2. Make timely necessary changes to the policy if necessary during the year.

Registration of compulsory motor liability insurance without the presence of the owner

The presence of the owner to obtain insurance is not a prerequisite. But his name fits into the auto insurance policy.

The policyholder must be included in the MTPL insurance as a driver authorized to drive. This is the person who entered into a compulsory insurance contract and made payment. He automatically becomes a driver included in the insurance and is covered by insurance.

For the owner, when registering a car not in the name of the owner, it is not necessary to enter the policy as a driver.

Any driver to whom a power of attorney has been issued can take out insurance without the presence of the owner, and it does not have to be certified by a notary.

The owner of the vehicle can issue a one-time, special or general power of attorney to issue a policy. A handwritten version will also work.

In addition, you will need the following documents:

1. Insurance Application.
2. Driver's licenses of all persons who are allowed to drive a car under the MTPL policy.
3. Driver's ID card and a copy of the car owner's passport.
4. Documents for the car - PTS and registration certificate.
5. Previously concluded auto insurance policy.
6. Directly, the power of attorney itself to conclude the MTPL agreement.

You can present the above list of documents in copies if the insurance company allows it.

Cost of insurance purchased by someone other than the owner of the car

The cost of insurance depends on several factors:

• driver experience;
• his age;
• KBM coefficient.

When calculating, only the data of those persons who are allowed to drive a vehicle will be taken into account. The cost of insurance will depend on their number. Therefore, you should only enter those drivers who plan to use the car constantly.

If the policy is issued not by the owner of the car, but by another person, then the owner may not be included in the insurance. Since the presence of a policy gives the car owner the right to use it.

Registration of a compulsory motor liability insurance policy not for the owner of the car will not affect the cost of insurance at all.

According to the law, which is also in force in 2019, when the insured and the owner are united in one person, there are no changes in the cost of the policy.

It can only be noted that additional costs will be incurred by the owner of the vehicle when registering a power of attorney with a notary.

Who will receive the insurance payment when applying for compulsory motor liability insurance not for the owner?

Having an MTPL policy gives the insured a guarantee that in the event of a traffic accident, the costs of repairing the damaged vehicle will be fully or partially covered by the insurance company.

If the policy is not issued to the owner of the vehicle, drivers have a question about who is the beneficiary under compulsory motor liability insurance, the owner or the insured . According to the law, insurance compensation is due to the owner of the car.

Cash compensation can be received in cash at the insurance company's cash desk or by bank transfer by providing the recipient's details to the bank.

It is the owner of the vehicle who will receive payments when an insured event occurs. Therefore, he should foresee all the nuances of obtaining insurance in advance.

Only he will have the right to receive insurance compensation, unless he makes a power of attorney to another person to receive payments. In this situation, the power of attorney must be certified by a notary.

The authorized person can be the policyholder under the MTPL policy or any other person.

The insured under MTPL may not be the owner of the car. The insurance company has the right to enter into a motor vehicle liability agreement with anyone who presents a document confirming the right to operate the vehicle.

In accordance with the law, if the owner and the policyholder are different persons, the MTPL agreement can be issued for any of them. The insured of the vehicle is automatically included in the insurance as a driver.

The owner of the car, when registered in the name of another person, does not have to be included in the policy as a driver. In the event of an accident, the owner of the car or an authorized person has the right to receive insurance compensation.

Is it possible to issue compulsory motor liability insurance not for the owner?

Some citizens buy a car but do not have a driver's license. In such cases, most often transport is purchased for relatives (wife, son), friends or acquaintances so that they can ride it. The question arises: can a person who is not the owner of the car apply for compulsory motor liability insurance? Let's take a closer look at the situation.

Who should be insured for?

Many people still think that a car liability policy can only be issued to the owner of the car, but this is a mistaken opinion.

The policy form has two different sections, which indicate the name of the legal entity or full name of the citizen:

These individuals can be completely different people.

Means:

Dear visitor!

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Our lawyer will advise you FREE OF CHARGE.

• Not only the owner, but any other person allowed to drive the vehicle can take out insurance;
• the presence of the owner himself is not required, but his data must be reflected in the policy.

The insured becomes the person who has entered into an agreement on compulsory motor liability insurance and paid for the insurance. His information as a driver is indicated in the document, thus, he is covered by the policy.

If the MTPL policy is not issued to the owner, then the owner does not need to be included in the form as a driver.

How to make changes to the policy

All changes to the document are made by the policyholder, not the owner. For example, if it is necessary to add other drivers to the car insurance list, then it is he, and not the legal owner of the car, who should contact the insurance company office.

The policyholder must have a power of attorney from the owner of the car, both during the initial registration of compulsory motor liability insurance and when adding information.

What documents are needed

Before visiting the insurance company, you need to prepare a certain list of documentation:

• a driver's license for all drivers who plan to drive a car;
• civil passports of the car owner and policyholder;
• transport documents (registration certificate, PTS);
• MTPL policy issued previously;
• power of attorney from the owner of the vehicle.

The power of attorney does not have to be certified by a notary office. The document can be drawn up in any form, but in compliance with all legal requirements.

Features of receiving insurance payment

After submitting all documents, company employees will conduct a check; if the information provided is reliable, then a car insurance agreement will be concluded with the driver. The amount of insurance will be calculated according to established rules, and the policy applies to all types of compensation.

There are several nuances that should be taken into account:

• after the death of the policyholder or owner, the compulsory motor liability insurance policy ceases. After the death of the car owner, the heirs will assume legal rights only after six months. After the expiration of the specified period, with the consent of the heirs, you can take out new insurance. If the driver who insured the car dies, the owner of the car needs to find another person with a driver’s license to issue a new policy;
• In the event of an accident, compensation payments will be received by the owner of the car, and not by the person who took out the insurance.

If the vehicle owner does not want the insurance to be credited to his current account, then he must write a power of attorney for the policyholder.

To receive insurance payments, the power of attorney must be certified by a notary office.

If all actions are performed in the presence of the owner, then no powers of attorney will be required.

In addition, for the convenience of citizens, a car insurance service is offered without leaving home. This can be done via the Internet. It is enough to find a suitable insurance company that has received a special permit to operate.

An important question: is it possible to issue compulsory motor liability insurance not for the owner of the car? How it's done?

There are different situations when an insurance policy is not issued to the owner of the car. The owner of the machine can be one person, and the direct user can be another. At the same time, the owner of the car may not even have a license to drive the car.

In this case, a reasonable question arises: is it possible to obtain insurance not for the owner? How to do it? What might be the costs and deadlines? And what documents need to be collected? Let's consider this issue in more detail.

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To whom is it registered: the owner or the driver?

often happens that the owner and driver of a car are different persons . It is also possible that the owner of the car does not even have a license to drive the vehicle. Who should take out insurance for then?

The MTPL policy does not have to be issued to the owner of the car. The document itself has 2 fields to fill out: the owner of the vehicle and the policyholder. This indicates the possibility of drawing up an agreement with an insurance company by a person who is not the owner of the car.

The main nuance that must be taken into account when taking out a policy not for the owner of the car is that the policyholder must have a driver’s license and be included in the insurance . At the same time, it is not necessary to include the owner himself in the insurance as a driver.

Who can perform the procedure other than the owner?

In addition to the car owner, any person can take out a compulsory insurance policy. This could be a relative, friend, acquaintance. The main thing is that the policyholder has a license to drive a vehicle.

Is it possible for a proxy?

Not only the owner, but also any citizen who has a driver’s license can take out an insurance policy . However, if insurance is taken out without the presence of the car owner, a power of attorney in the name of the policyholder will be required.

If changes need to be made to the insurance policy, for example, to include drivers who have the right to drive a given car, or vice versa, to introduce restrictions on driving, the owner will not be able to do this without the person for whom the policy is issued.

Another point that you should pay attention to: if an accident occurs, it is the owner of the car who will receive money from the insurance company, and not the person for whom the insurance is issued. If the car owner does not want payments from the insurance company to be made in his name, he must write a power of attorney. This document gives the right to :

• Vehicle management.
• Selling a car.
• Actions for deregistration and registration.
• Receiving payments from the insurance company in case of an accident.

If a power of attorney does not have to be certified by a notary to draw up a policy, then in order to transfer the authority to manage payments from the insurance company, a notarized document is required.

Required Documentation

In order to obtain insurance not for the owner of the car, you must prepare the following package of documents in advance :

• The policyholder's identity card and a copy of the car owner's passport.
• Old insurance policy.
• The driving license of those persons who will be included in the insurance.
• Documents for the car.
• Application for vehicle insurance.

If the MTPL policy is issued in the absence of the car owner, then you will need to provide a power of attorney from the owner of the car (even a handwritten version will do).

Detailed step-by-step instructions on how the procedure works if you are not the owner of the car

In order to insure a car without being its owner, you need to adhere to the following algorithm of actions :

1. It is necessary to decide which company the contract will be concluded with.
2. If insurance will be taken out without the owner of the car, then the first thing to do is ask to write a power of attorney in the name of the policyholder.
3. Next, ask the owner for copies of documents for the car and his passport.
4. Prepare your ID and the licenses of all drivers who will be included in the policy.
5. Submit documents to the insurance company and make payment.

If the agreement will be concluded in the presence of the owner, then a power of attorney does not need to be provided.

You can take out a compulsory insurance policy without leaving your home . To do this, you will need to register on the insurance website and fill out all the required fields. This document can also be issued not to the owner of the car.

How is it processed if the owner passes away?

After the death of the car owner, the vehicle remains without an owner. The new owners will enter into legal inheritance rights only after six months, and it will be possible to take out insurance only with their permission.

If the owner of the car or the policyholder passes away, the car insurance contract is canceled and considered invalid.

According to the law, in the event of the death of the owner, it is necessary to report this to the traffic police , however, if this is not done, then at your own peril and risk you can drive a car under the old insurance. But you need to take into account that this option is not entirely legal, and if the death of the owner is revealed, a fine will be imposed on the driver, and the car may be taken to an impound lot. At the same time, it will be possible to take it away only after taking ownership, because parking lot employees do not have the right to hand over a car that actually does not have an owner.

That is, the only legal way to issue an insurance policy after the death of the owner is to wait until the heirs take over their rights and draw up an insurance contract only with their consent. Providing false information and concealing the fact of the owner’s death will be considered a violation of the law.

Deadlines and costs

• Service life of the vehicle.
• Number of persons admitted to management.
• Duration of the contract.
• Driving experience of the policyholder and other drivers who have the right to drive this vehicle.

In conclusion, it must be said that it is quite simple to issue a compulsory insurance policy not for the owner . The only additional documents you may need are a power of attorney, which the owner can write by hand. You can also issue it without it if the owner comes to draw up the documents together with the policyholder.

Who can insure a car under MTPL, except the owner?

To get behind the wheel of a car you don’t have to be its owner. It can be controlled by anyone to whom the owner has entrusted his iron horse. And life is full of similar examples. But can a driver who has received a driving license take out compulsory car insurance without the owner?

Is it possible to get insurance without the owner?

Current Russian legislation prohibits driving a vehicle without motor liability insurance. This measure allows you to protect the interests of the parties in an accident.

The owner of a vehicle and those who actually manage it should remember that, according to Federal Law No. 40, vehicle insurance requirements are a mandatory condition for everyone. For driving a car for which the MTPL policy has not been issued or has expired, the driver will face a fine.

As a rule, these issues are dealt with by the owner of the car. But quite often there are situations when the owner not only does not drive his car, but also lives in a completely different region. At the same time, his plans do not include visiting the traffic police and fussing with papers. In such a situation, the trustee has a reasonable question: is it possible to obtain insurance for a car without the presence of the owner?

Experts answer this question positively. Today, the law gives this right to the person who actually controls the vehicle, without being the owner of the car. Most often, the driver has a power of attorney from the owner of the car. But even if there is no such power of attorney, the driver cannot be deprived of the rights given to him by law, including the opportunity to insure the car he is driving. Therefore, the insurer should not refuse to issue car insurance without a power of attorney. By and large, insurance companies do not care who is the insured under MTPL and who will pay for the insurance. Any person driving a car can take out a compulsory motor liability insurance policy.

At the discretion of the insurer, when applying for or extending compulsory motor liability insurance not for the owner of the vehicle, the driver may be required to choose:

• a previously issued policy to ensure that the person insuring the vehicle is included in it;
• a power of attorney in simple handwritten form without notarization, made by the owner of the vehicle;
• presence of the real owner of the vehicle during registration.

Are the owner of the car and the policyholder the same person?

From the point of view of legislation, the policyholder and the owner do not have to be the same person. Often in life these are completely different people. However, both of them must be included in the compulsory motor liability policy. In this case, the MTPL policyholder and the owner are entered into separate columns specially provided for this case. This means that you can insure a car without the presence of the owner.

When an insured event occurs, compensation for damage can be transferred to the bank account of the injured party or received by it at the cash desk of the insurance company. Also, insurers often do not issue cash, but prefer to transfer money directly to the car service center that repairs the vehicle.

In such a situation, the policy of the insured vehicle is issued in the name of the owner. This is beyond doubt. And who is the insured in this case? This is a person who:

• on behalf of the car owner insures the car under compulsory motor liability insurance;
• enters into an agreement with an insurance company;
• contributes money for insurance;
• may change the list of drivers approved to drive vehicles.

It should be taken into account that if the car gets into an accident, the insurance payment for compensation for damage to property and health will be received by its owner. It should be understood that the approach: “I insure, I get the money” does not work in such a situation. If the car owner does not plan to receive payments and carry out repairs, but delegates his powers to someone else, he needs to know how to legally carry out such a transfer of rights. In this case, a notarized power of attorney must be drawn up, which clearly stipulates who can claim monetary compensation if an insured event occurs.

In addition, such a power of attorney can determine the range of rights for the driver of the vehicle and determine who the owner is:

• admits to management;
• grants the right to sell, withdraw or register;
• authorizes to issue compulsory motor liability insurance or extend the validity period of the policy.

Procedure for obtaining insurance without an owner

If the legislation gives a positive answer to the question of whether it is possible to insure a car without an owner, a motorist who is allowed to drive should know how to do this.

To register, the car does not need to be presented for inspection. It should be remembered that it is not the vehicle itself that is insured, but the civil liability of the driver of the insured car to other road users.

Insuring a car without an owner is not difficult. To do this, the selected insurer must provide a certain set of documents:

1. Policyholder's passport.
2. A copy of the car owner's passport.
3. A set of driver's licenses for persons who will be allowed to drive.
4. Certificate of registration for the insured vehicle.
5. PTS.
6. MTPL policy obtained in the previous period.
7. Document confirming passing the technical inspection.
8. Power of attorney from the owner of the car with the right to issue a car insurance policy.

It’s even easier to do the registration online. To do this, it will be enough to prepare all the necessary documents and select a suitable insurance company. After registration, you should go to the online insurance section and enter all the data from the documents in the appropriate fields. All that remains is to wait for the cost calculation, pay for the insurance and print it on paper.

Considering that a car in life is often used not by the owner, but by another authorized person, the one who is driving needs to know how to get car insurance without the owner. If the driver has a compulsory motor liability insurance policy, he can be sure that in the event of an accident on the road, the insurer will cover the damage to the injured party partially or completely, eliminating many problems.

How to issue an MTPL policy without the owner?

Who can take out an MTPL policy other than the car owner? Many car owners drive their cars by proxy for a long time. This is due to the fact that they cannot take out insurance for themselves. Does the law give the right to take out a car policy for drivers who are not the owners of the car?

Registration of compulsory motor liability insurance by someone other than the owner of the car

After the expiration of the insurance contract, drivers driving the car and those who are not the owners try in different ways to draw up such a document. According to the law, car owners are required to take out an insurance policy for any type of transport that has the highest design speed of more than 20 km per hour.

The law defines the concepts of owner, proprietor and driver. Persons entitled to obtain car insurance are:

1. Owners.
2. Persons who own a car on another basis: the right to manage a household, lease, operational management, by power of attorney or by order of authorities to transfer the car.

The driver is not the same as the owner. The latter is the legal owner of the car, and the driver only drives it.

Taking out an insurance policy without the owner of the car

This question is relevant for many drivers. Having contacted the insurer, the owner of the vehicle with a power of attorney most often receives a refusal to complete the documents. A company employee asks him to come to the owner of the car, who may be a pensioner or disabled person living far from the location of the insurance company. In such a situation, the employee should be reminded of his responsibilities.

Vehicle insurance legislation does not provide for refusal to issue a policy to the owner of the car if the owner is absent. Refusal is possible only in one case - if there is an incomplete set of documents. Therefore, the insurance company does not have the right to refuse insurance services and not require the owner to be present. Even in the policy application form there are two columns intended for the “Insured” and separately for the “Owner”.

If the contract is refused due to the absence of the owner of the car, you can file a complaint with the central bank about the insurer violating the law. Most often, after promising to file a complaint with the bank, the employee begins processing the policy.

All insurers are now obliged to organize the registration of policies by policyholders via the Internet. In this case, no one will know who exactly is at the computer, the owner or owner. The main thing is that the documents and information are in full compliance with the law.

Documents for OSAGO

Before contacting the insurer, you should know the list of documents for concluding an MTPL agreement.

1. Passport or other document that allows you to identify the owner of the vehicle. You only need the car owner's passport, since insurance is issued on him.
2. If the car is not driven by the owner, to issue a policy you will need a power of attorney, which is drawn up by the owner of the car. It contains your passport details and agreement that you will drive a car and take out a policy. The power of attorney does not have to be executed by a notary. You can write it by hand by the owner himself and provide it to the insurer.
3. Certificate of registration or PTS.
4. Another required document is a driver's license. If other drivers are included in the policy, then their licenses are also needed. If you take out unlimited insurance, you do not need a driver's license. The company requires this information to indicate the details of the drivers who will drive this car.
5. When re-insuring, you will need the old policy for the previous year, and it is also better to take with you the drivers’ policies that will fit into the insurance so that the company can calculate the bonus-malus coefficient for each driver.
6. A diagnostic card has become mandatory for presentation, indicating that a technical inspection has been completed.

What are the risks of taking out a policy not by the owner?

Many drivers have doubts whether there will be any differences in the functioning of the policy. You should know that the MTPL policy works equally effectively, its functions remain unchanged, and the calculations of compensation for it do not differ, and do not depend on who was driving the car.

Problems can only arise if the driver who insured the car dies. After this, the insurance contract is no longer valid and the policy is invalid. If the car has an owner, and the policyholder has not driven it, then the owner needs to contact the insurance company and conclude another contract.

In the event of the death of the owner-insurant, the insurance can be taken out by the heirs after entering into the inheritance. Therefore, you cannot drive a car for 6 months. When renewing insurance, you may need a power of attorney from the policyholder, but when applying online, there will be no such verification; the main thing must be the policyholder’s identity document. In the event of the death of the policyholder, the insurance is not renewed.