Is it possible to apply for compulsory motor liability insurance without a technical inspection?

Technical inspection for obtaining compulsory motor liability insurance

Every driver has to deal with such a concept as a technical inspection. Due to innovations, not only beginners, but also experienced motorists need to know everything about technical inspection so as not to break the law.

Driving a car legally requires having the necessary documentation. One of these documents is a compulsory third party liability insurance policy. There is an opinion that compulsory motor liability insurance and technical inspection are inseparable, that is, drawing up an insurance contract is impossible without timely monitoring of the condition of the vehicle. Let's consider options for obtaining a policy without a valid vehicle inspection certificate.

What is a technical inspection

A technical inspection of a vehicle is a check of the serviceability and safety of the vehicle’s components, as well as the compliance of their condition with Appendix No. 1 of the Maintenance Rules.

If before 2012, vehicle serviceability monitoring was monotonous and has not undergone any changes since the 90s, then since this period, technical inspection of mechanisms has been carried out with innovations. In particular, the good technical condition of the car is now confirmed not by a coupon, but by a diagnostic card.

Technical inspection should not be considered a relic of the Soviet past. Similar requirements for vehicles are being put forward abroad. When crossing the border, any driver is required to present a valid diagnostic card. Without it, the motorist will be returned to the country of arrival.

In addition, it is extremely difficult to prove the serviceability of a car without a supporting document - the driver of the vehicle risks being found guilty of a traffic accident.

Why do you need a technical inspection of a car?

A technical inspection is always a long procedure, and also paid. Because of this, many drivers wonder about the need for this very diagnosis. After all, the state inspection has been cancelled, but you still have to go to service stations to check the car. The main reason why drivers need to undergo a vehicle inspection is the need to obtain an MTPL insurance policy.

Formally, a document confirming the diagnostics completed is required to issue an insurance policy.

Upon successful completion of the maintenance, the driver is issued a diagnostic card (formerly a technical inspection card). It is an A4 form with general data about the car, as well as test results for 65 indicators. At the end of the form, the technical inspection operator’s conclusion about the serviceability or malfunction of the vehicle is indicated. It is with this diagnostic card that the car owner applies to the insurance company to obtain a car title.

Is a technical inspection required for OSAGO?

According to clause 3 of Art. 15 of the Federal Law “On Compulsory Motor Liability Insurance” of April 25, 2002. To conclude an insurance contract, the applicant must present a document and a diagnostic card for the car.

Is it possible to apply for compulsory motor liability insurance without a technical inspection?

Yes, and quite legal. The situations in which exceptions come into play are described in Art. 15 No. 170-FZ “On technical inspection of vehicles in the Russian Federation”:

the mechanism is not subject to serviceability control. Allowed for cars weighing up to 3.5 tons, the owners of which are individuals;
the car is new (less than 3 years have passed from the date of manufacture, according to paragraph 2 of article 15);
The validity period of the previously issued maintenance coupon has not expired (clause 5 of article 15).

According to the insurance law of April 25, 2002, a diagnostic card is required to obtain an MTPL policy, but it does not specify whether it should be recently issued or simply valid.

Other ways to purchase compulsory motor insurance without a technical inspection

Russian legislation has a lot of shortcomings that allow motorists to obtain insurance documents without actually going through control of the vehicle’s serviceability.

purchasing a policy online. Any broker will issue an electronic MTPL without a diagnostic card, even hand it over to the customer, but there is a high probability that the document will be fake. Use the services of trusted insurance companies and their branches;
contacting an employee of a regional accredited control station. A superficial inspection of the car gives the right to receive a paper without actually passing a control inspection;
cooperation with specialized companies. Here you can get a card for money without presenting the vehicle for inspection at all. Whether to use this method is up to each car owner to decide for himself. In the end, establishing the serviceability of the car is important for its owner, and not for the insurer.

Is insurance valid without a technical inspection?

According to paragraph 1 of Art. 14 of the relevant law, the insurance company has the right to file a recourse claim if at the time of the accident the driver did not have a valid document confirming the passage of technical control.

In fact, the MTPL policy in such a situation loses its validity.

How often do you need to undergo maintenance?

As you know, car insurance is issued for no more than one year, after which it must be taken out again. But this does not mean that all vehicles need to undergo technical inspection annually. For different types of cars, there are separate time periods for mandatory diagnostics (see Article 15 No. 170-FZ):

New cars under 3 years old are not subject to inspection (clause 2).
Cars whose production year has passed from 3 to 7 years are diagnosed once every 2 years (clause 1, subclause 4).
Vehicles that are more than 7 years old - annually (clause 1, subclause 2).

Important! There is a separate category, vehicles from which are required to undergo maintenance every 6 months (clause 1, subclause 1). These include taxis, passenger buses, trucks transporting dangerous goods, and trucks with more than eight passenger seats.

Where can I do maintenance for OSAGO?

Before the changes in 2014, technical inspections could only be carried out at traffic police departments at the place of registration of the car owner. Today, you can undergo diagnostics at service stations, diagnostic centers, insurance companies, and organizations working in this field. This is very convenient for drivers, because there is no need, for example, to go to the other end of the city and stand in lines.

Another option on how to do maintenance for MTPL is to buy it. The procedure is completely legal. Of course, it’s much easier to get a diagnostic card this way, but you should only use this method if you’ve checked the car recently and know that it’s working properly.

When choosing a seller organization, you need to be very careful. Many small companies may entice you with a low price, but there is a risk that you will never receive your diagnostic card. All DCs are entered into the electronic database of the EAISTO State Traffic Safety Inspectorate, and absolutely anyone can check the availability of their document via the Internet.

To do this, you need to fill in several suggested fields, and if your card is in the database, the system will show it.
The completed DC will appear in EAISTO within three days. Some fraudulent companies, after receiving payment, only feed the buyer with promises that tomorrow or the day after tomorrow the document will appear in the database, and as a result, the driver simply loses money. It is not difficult to recognize scammers:

Prices are too low.
Full prepayment required.
Lack of license for this activity.
Lack of certificates and documents for work.
No guarantees for the services provided.

Important! Before contacting an insurance company, always check the availability of the insurance policy in the electronic database.

How to pass a technical inspection if your compulsory motor liability insurance policy has expired?

In fact, you cannot drive a car that is not insured. If you don’t want to risk being stopped by a traffic police officer and fined, the way out of the situation is to contact specialized companies that will prepare a diagnostic card for money without presenting the vehicle. Since the good condition of the car should be of concern, first of all, to the driver, do not be lazy after taking out insurance to actually check the correct operation of the units of the iron horse.

What documents will be needed to pass the MOT?

Before arriving at the technical inspection point, the driver must prepare. Be sure to have a first aid kit and a fire extinguisher with a good expiration date in your car. You also need to have the following documents with you:

passport;
driver's license;
vehicle registration certificate;
power of attorney if the maintenance is not carried out by the owner of the car.

Technical inspection for compulsory motor liability insurance is an important and rather lengthy process. If the technical operator identifies malfunctions in the operation of your car the first time, then you are given 20 days to eliminate them, after which you need to come back for maintenance. Moreover, only those points for which the result was negative during the first diagnosis are re-checked. If the driver did not have time to come back for maintenance within 20 days, then the inspection will be carried out again for all indicators.

Take care of preparing a diagnostic card and an insurance policy in advance, because you are the one who is interested in a working car and the possibility of receiving financial compensation if necessary.

Registration of compulsory motor liability insurance without a diagnostic card

One of the documents required for a car owner to purchase an MTPL policy is a diagnostic card based on the results of a technical inspection of the car. Let's consider the situations in which the purchase of compulsory motor liability insurance without maintenance is permitted, and the possible consequences of attempts to circumvent the requirements of the law.

Is it allowed to apply for compulsory motor liability insurance without a vehicle inspection card?

In accordance with current legal regulations, insurance without a technical inspection is permitted if:

the car, due to various circumstances, is exempt from technical inspection;
We are talking about a car that has been manufactured for no more than three years and does not require technical inspection until the end of the specified period. The period is calculated by days;
a motor vehicle license agreement is drawn up for a three-ton trailer for private use;
at the time of the transaction for the purchase of an MTPL policy, the diagnostic card of the previous maintenance remains valid.

In other cases, the insurance company is obliged to require the car owner to present a diagnostic card confirming the completion of the technical inspection.

Important! If the owner of the car is overdue for maintenance during the period of validity of the MTPL policy, the insurance organization has the right to file a claim for recourse in the event of an accident due to the fault of the policyholder.

This circumstance applies to the following vehicles:

passenger taxi;
buses;
trucks carrying passengers or dangerous goods.

The Law “On Compulsory Motor Liability Insurance” states that it is possible to issue a short-term policy for twenty days in the following situations:

to proceed to the service point;
after purchasing a car or obtaining ownership rights in another possible way, on the way to the MREO office to register the car.

The price of such a policy will cost within twenty percent of the annual contract. A temporary contract allows the owner to enter into a full-fledged insurance contract for twelve months, when the necessary documentation is completed. The owner is not obliged to insure the car for the entire year of the contract, having agreed with the company representatives about the period of protection.

Next - about some of the nuances of carrying out maintenance before concluding a compulsory motor liability insurance agreement.

Purchasing an insurance policy without a diagnostic card, during a formal maintenance procedure

Many insurers provide a maintenance service as a precursor to the purchase of an MTPL policy. Having arrived at the office, the owner provides the car for inspection by an expert. In the conditions of an insurance company representative office, it is impossible to fully inspect the car and make sure that it is in good condition. The expert is limited to a cursory examination and a few photographs. Then a diagnostic card and a motor vehicle license agreement are drawn up.

Formally, the procedure is legal, but there are certain risks for the client.

Purchasing an MTPL policy without a diagnostic card with a documented technical inspection

Some insurance companies offer the client, along with the MTPL policy, to make a ready-made diagnostic card. With this method of formal maintenance without actually performing the work, the risks for the owner increase. But if the client is dealing with a prestigious company, there is significantly less reason for concern.

From a formal point of view, the law is not violated. But if a driver with such a diagnostic card turns out to be the culprit of the accident and during the inspection of the car it turns out that the cause of the accident was a malfunction missed by the “paper” maintenance, as a result, the insurance company may present a recourse claim to the client who was at fault for the accident.

It is not always possible to prove that the diagnostic card was received directly from the representative office of the insurance organization. This document is issued on behalf of the company that has entered into a cooperation agreement with the insurer. During the proceedings, the Investigative Committee will remain on the sidelines. The client will have to pay compensation at his own expense for car repairs or pay compensation to the injured party.

Buy MTPL insurance without a diagnostic card online

If the MTPL policy is purchased electronically, via the Internet, the client will not need to provide documentary evidence of maintenance. The insurer receives information from government services and the unified RSA database, where data about cars and owners is entered, including maintenance results with diagnostic card details.

Buy MTPL without a diagnostic card from an insurer's representative with a blank maintenance form

Some insurance companies cooperate with specialized organizations that conduct technical inspections. After issuing compulsory motor liability insurance, the client is sent to such a maintenance point, handing over a blank diagnostic card form. But not all drivers are so disciplined as to visit a vehicle inspection station after completing the insurance procedure.

The consequences of such disregard for the requirements of the law will not be long in coming when the driver is checked by traffic police representatives or during the investigation of an accident (not necessarily due to the fault of the client).

Get a car license without a technical inspection using a fake diagnostic card

Online insurance is a convenient form of purchasing compulsory motor liability insurance, without imposing additional services on the client, with the ability to apply online directly to the representative office of the insurance company, bypassing intermediaries.

Information on issued diagnostic cards with data on maintenance results is submitted by licensed companies conducting technical inspection to the unified electronic register of RSA. If a client tries to present a false document when concluding an MTPL agreement, the fraud will be detected after an appropriate check in the database of the Russian Union of Auto Insurers.

If the insurer issues a motor vehicle license using forged MOT documents, you should not count on compensation for damage during an accident or receiving compensation after an insured event due to the fault of another driver.

In such situations, the insurance company, citing a violation of the rules by the client, unilaterally terminates the contract. The owner of the car will not be able to defend his rights in court, since he is guilty of falsifying the diagnostic card.

The following conclusions of the court based on the results of such proceedings are possible:

if it can be proven that the insurer intentionally entered into the contract, knowing about the falsification of maintenance information, compensation will be paid. But subsequently the client cannot avoid a recourse claim from the insurance company;
the compulsory motor liability insurance policy is declared void. The culprit will have to compensate for the damage to the victims from his own pocket, with full responsibility for the accident.

None of the possibilities presented are in favor of the car enthusiast who resorted to falsifying the diagnostic card.

Consequences of purchasing an insurance policy without a technical inspection

The Code of Administrative Offenses provides for the imposition of an administrative fine for driving in the absence of a valid inspection card in the amount of 500 to 800 rubles to owners of the following categories of vehicles:

cars used as taxis;
buses;
trucks adapted to transport eight or more passengers, excluding those placed in the cabin;
Vehicles transporting dangerous goods.

Owners of other types of transport, including passenger cars, may encounter the following situations:

judicial cancellation of the concluded MTPL agreement;
refusal to pay compensation or a significant reduction in the amount of compensation if the client is injured during an accident;
the need to return recourse to the insurer for payments to victims as a result of an accident due to the fault of the client.

In addition to the client, in this situation an extraordinary inspection cannot be avoided by the insurance company. If violations of the law are detected, sanctions are possible, ranging from significant fines to license revocation.

Those who want to save a small amount by insuring a car without undergoing a technical inspection seriously risk being left without payment for an insured event. If a car requires maintenance, the law prohibits issuing an MTPL policy without a valid diagnostic card.

OSAGO without maintenance - how to get it and whether it will work

It is possible to obtain OSAGO without a technical inspection only in a few cases. Officially, this is done if the car is no more than 3 years old from the date of manufacture and the vehicle is not used as a taxi. In this case, the insurance company will not require a diagnostic card and the driver will be provided with an insurance policy. In other situations, a technical inspection is required. Although sometimes it is possible to do without it.

Many drivers do not know whether compulsory motor liability insurance is valid if there is no maintenance. From a legal point of view, it is impossible to issue insurance without a diagnostic card. But some insurance companies get around this restriction. They give their clients a completed card, which only lacks the signature of an accredited operator. After this, the driver is informed where he must go to undergo a technical inspection.

If the car owner forgot about this, the insurance company could refuse to pay in case of an accident. Although here it was possible to take advantage of a gap in the legislation. Payments based on an accident cannot be denied if a diagnostic card is missing.

MTPL policy without maintenance in 2019

In 2019, at least for now, there have not been any radical changes in legislation. Car owners can still buy compulsory motor liability insurance without a technical inspection. Insurance companies issue policies to drivers without fear, since no penalties are applied to them. The widespread use of this practice is due to the fact that the company receives money for each concluded contract.

It should be noted that if an accident occurs and you do not have maintenance, a refusal to pay may result due to:

impossibility of proving the technical serviceability of the vehicle. This is because you will not have a diagnostic card;
violations of the law at the stage of concluding a contract. According to the law, insurance is possible only if you have a diagnostic card. If you did not have it at the time of concluding the contract, then this is a reason to challenge its legality in court.

As a result, if not the most outstanding auto lawyer is on your side, the court may question whether the MTPL policy is valid without MOT. Often such a transaction is declared invalid, the contract is terminated and the insurance company no longer owes the driver anything.

When can you get compulsory motor insurance without maintenance?

However, it is possible to obtain insurance officially without a diagnostic card.

This rule only applies in 3 cases:

vehicles, for any reason, are exempt from technical inspection;
the car was manufactured less than 3 years ago, belongs to a private person and is not used as a taxi;
A trailer up to 3 tons that belongs to a private person is insured.

Some drivers are interested in whether compulsory motor liability insurance applies if there is no maintenance after the conclusion of the contract. For example, a diagnostic card expires 3 months after receiving the policy.

In this case, the insurance remains valid. But, as in the case of concluding a contract without a diagnostic card, problems may arise at the stage of receiving payments after an accident.

In some situations, you can officially obtain insurance without maintenance. Exceptions apply to new vehicles being transported to the place of registration or inspection. That is, the owner of a car can receive a policy without having a completed diagnostic card in hand, but must undergo maintenance in order to receive payments in the event of an accident.

What to do when you can’t get compulsory motor liability insurance without maintenance

Some drivers are faced with the situation that without maintenance there is no compulsory motor liability insurance, but they don’t know what to do. But modern companies are ready to offer several completely legal methods that speed up the inspection.

Among these methods are:

formal inspection. Some services offer “expedited” inspections, which only perform formal procedures. As a result, you manage to pass the MTPL inspection in literally 10 minutes. All data ends up in the AIS database, and the driver is given a diagnostic card;
formal maintenance according to documents. Some companies don't even need to see the car. They are ready to issue a diagnostic card based on vehicle registration documents. The disadvantages of this service include its high cost. Compared to regular maintenance, you may have to pay 2 times more.

These two methods can be used when you can’t do OSAGO without maintenance and you need the most legal and fastest method of obtaining a diagnostic card.

Why is the diagnostic chart important?

Even if the insurance company issued you a policy without maintenance, you should not delay visiting an accredited service center. The documents will be valid and no claims will arise against them during scheduled inspections. But if an emergency occurs and the car is damaged in an accident, then without a diagnostic card the chances of receiving payments are rapidly decreasing.

Is it possible to apply for compulsory motor liability insurance without a diagnostic card and technical inspection?

Auto liability insurance is mandatory. One of the documents that is required in this case is the so-called diagnostic card. It confirms that the insurance company client’s vehicle has passed a technical inspection and is in good condition.

Is it possible to apply for compulsory motor liability insurance without undergoing maintenance? How to do it?

In some cases, you can apply for compulsory motor liability insurance without undergoing a technical inspection of the vehicle. This can be done by preparing temporary insurance.

The option of no card is allowed for new vehicles.

Temporary insurance

This option can be used in cases:

The driver does not have the documents necessary to obtain a transport card. These include a vehicle passport, a service station and a passport of a citizen of the Russian Federation. Foreigners require a green card;
The driver must drive to the place where the technical inspection is carried out.

In such cases, insurance will be issued for the period necessary to complete the necessary documentation.

Only for new vehicles

According to current legislation, a vehicle whose age does not exceed three actual years is recognized as new. This period is calculated from the date of release of the vehicle. The date of purchase in this case is not the age of the vehicle. The specified period is due to the fact that three years is the warranty period established by the manufacturer.

The manufacturer bears all costs associated with a vehicle breakdown that occurs due to deficiencies made during the manufacturing process of the vehicle.

Will it be possible to apply for compulsory motor liability insurance without a technical inspection via the Internet? How are car documents checked?

You can resolve your insurance issue by contacting the company’s services via the Internet.

To do this, you must enter the following documents in a special form:

Vehicle owner's passports.
Passports of the policyholder, if he is not the owner.
Vehicle registration certificates or passports.
Diagnostic card.

Next, the insurance company checks the information. This happens by exchanging data with government agencies and the Russian Union of Auto Insurers. If questions arise, the insurance company may request scanned versions of documents from the initiator.

Registration of compulsory motor liability insurance via the Internet is relevant for cases when the policy expires or the diagnostic card is lost. In the absence of a technical inspection, this cannot be done, since the diagnostic card data is indicated in a special form. The system simply will not accept the request. An exception is the registration of compulsory motor liability insurance for a car that is new, that is, produced no earlier than three years before contacting the insurance company.

What to do if there is no diagnostic card for MTPL

Insuring a vehicle without a diagnostic card, in most cases, is simply impossible. To solve this problem, the car owner can use several methods.

The easiest thing is to undergo a technical inspection. This option is the simplest and most affordable. You can also take advantage of the lack of obligation to produce a diagnostic card. This option applies to a vehicle that came off the assembly line no more than three years ago. At the end, it is possible to take out temporary insurance, up to passing a technical inspection.

The twenty-day validity period established by law should be taken into account.

Illegal methods: how they happen and is it worth using them?

In practice, people often use illegal methods of obtaining compulsory motor liability insurance.

These include:

issuing a diagnostic card without undergoing a technical inspection;
submitting an unreliable technical inspection to the insurance company;
registration of a diagnostic card from the insurer.

It is better not to resort to such methods. These options will inevitably lead to the application of penalties to the guilty party. Driving a vehicle with false insurance is considered the same as using a vehicle without it.

Diagnostic card without vehicle inspection

Issuing a diagnostic card without passing a technical inspection is one of the illegal ways to obtain insurance. The exception in this case only applies to registration of compulsory motor liability insurance for a new car. When taking out insurance without maintenance, not only the car owner, but also the company issuing the document is at risk, since it actually violates the current legislation.

Purchasing compulsory motor liability insurance using a fake technical certificate

Sometimes car owners deliberately mislead the insurance company by providing false information regarding the technical inspection. In this case, the person himself is at risk. First of all, this is due to the fact that the car owner will simply be refused insurance. Because companies always verify the information provided to them. Even if the falsification is not detected at the stage of applying for insurance, this fact will be discovered during the investigation of the accident.

Diagnostic card from the insurance company

Often, insurance companies offer the client to issue a diagnostic card directly. In this case, the technical supervision organization does not participate in the process. This method is a direct violation of current standards, since in accordance with the requirements of the Federal Law of July 1, 2011 No. 170-FZ “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation”, since the implementation of this procedure is within the competence of accredited organizations or individual entrepreneurs.

Consequences, sanctions and fines

Violation of the procedure for issuing an MTPL policy, including in the absence of a diagnostic card, will inevitably entail liability. For actions of this nature, measures can be applied to both the driver and the insurance company.

For drivers

In this case, the driver will be held administratively liable under Article 12.1 of the Code of Administrative Offenses of the Russian Federation. Sanctions are expressed in the form of a fine in the amount of five hundred to eight hundred rubles. In case of a repeated violation, that is, committed within a year after the first penalty was imposed, the guilty person will pay five thousand rubles, or will be deprived of a driver’s license for one to three months. A person driving a bus or a vehicle designed to transport dangerous goods will pay a fine of five hundred to eight hundred rubles.

Administrative liability for failure to comply with the requirements for compulsory civil liability insurance of vehicle owners is also provided for in Article 12.37 of the Code of Administrative Offenses of the Russian Federation. The fine will range from five hundred to eight hundred rubles.

Vehicles include equipment with an engine capacity of more than 50 cm3, an electric motor power of more than 4 kW and a maximum speed of more than 50 km/h, as well as trailers, tractors and self-propelled vehicles.

For insurance

The insurer will also be held liable for violating the procedure for issuing the MTPL policy. This may be related to compensation for damage caused to the driver if the company knowingly issued an invalid document. In addition to this, criminal liability arises under Article 327 of the Criminal Code of the Russian Federation. Penalties are not limited to a fine of 80 thousand. The guilty person may be subject to forced labor, arrested or imprisoned.

The company may be deprived of its license to operate for illegally issuing a compulsory motor liability insurance policy.

Does OSAGO operate without a diagnostic card?

Although the car must undergo periodic technical inspection, the driver should not carry a diagnostic card with him. If it is available, OSAGO is valid. You can also use insurance in case of loss of your diagnostic card. During the investigation, all data is checked and even if the card is lost, the operator will provide information about the technical inspection.

The situation is somewhat different if the diagnostic card expires. In such a situation, it is necessary to find out when this happened. If the document was valid at the time of the incident, then the person can receive insurance; if not, he loses this right.

What happens in case of an accident

In the event of a traffic accident, it is necessary to present a number of documents, including a compulsory motor liability insurance policy. The presentation of a diagnostic card in this case is not required by law, with the exception of buses and equipment intended for the transportation of dangerous goods. Failure to have a technical inspection may cause problems with obtaining insurance. If during the proceedings it is established that the policy was issued without undergoing maintenance, administrative liability will also arise.

Conclusion

Having an MTPL policy is mandatory for every driver. You can receive it only after passing a technical inspection and drawing up a diagnostic card. This rule does not apply to cars less than three years old. Using an MTPL policy issued in violation of the law will entail liability for both the driver and the company, and will also deprive the person of the right to receive insurance.

Is it possible to get an MTPL policy without a diagnostic card?

Law No. 40 on motor insurance requires that a civil liability policy be issued only after passing a technical inspection and receiving a diagnostic card, since it is included in the list of mandatory documents. This rule does not apply to new cars under 3 years old.

But you can find other loopholes in the law to issue a compulsory motor liability insurance policy without a technical inspection. They will be discussed in this article.

When can you get a policy without a technical inspection?

On completely legal grounds, you can avoid undergoing maintenance in the following cases:

Taking advantage of the exception prescribed in Article 15 of Law No. 170 “On Vehicle Inspection”, maintenance is not required for vehicles that are not subject to inspection. This includes:
- trailers up to 3.5 tons;
- new cars, i.e. not older than 3 years (the report is kept in years, not by days, not by the date of purchase or receipt of the title);
- cars for which the previously received inspection coupon is still valid.
Having received a “temporary” policy, insurance without a diagnostic card is provided for 20 days to allow the owner to proceed to the place of maintenance. This clause was introduced into the legislation to give citizens the right to choose technical operator organizations, and not force them to use exclusively the services of those who work next to the insurer or the traffic police department.

The described cases are completely legal, no other assumptions are provided for in the regulations, but there are loopholes that arose due to the difference in the validity period of the diagnostic card and the MTPL policy.

Some insurance companies use clever tricks to relieve themselves of financial responsibility when an insured event occurs. So, the insurer itself can help you apply for compulsory motor liability insurance without a diagnostic card, so that after an accident they can declare that the policyholder has not complied with the clauses of the compulsory motor liability insurance contract and refuse to pay. And insurers relieve themselves of liability before the law by providing a certain referral for a technical inspection, which is valid for up to 5 days. If you don't use it, your cunning plan to avoid insurance payments will be successfully implemented. The law allows the insurer to provide such notice if the previous policy and diagnostic card expire at the same time. The direction is issued along with a new unfilled TO card. If you follow the lead of an unscrupulous insurer and do not undergo a technical inspection within the specified period, you assume the entire financial burden of compensation for losses in the event of an accident. The point of purchasing a compulsory motor liability insurance policy is lost.
Since 2015, you can buy an MTPL policy online. This method of obtaining insurance is carried out without providing all the necessary documents. The method of confirming the information specified by the client is the database of the Russian Union of Auto Insurers. Therefore, you can do without undergoing a technical inspection only if the validity of the previous diagnostic card has not yet expired, but is about to expire. You can contact the insurer until the very last day of validity of the maintenance coupon.

You can use various loopholes, but there is no point in this, since the technical inspection is carried out for the safety of the driver himself, his passengers and other road users. The consequences of rash, momentary decisions will be the same as in the case described above.

The following group of “opportunities” can be classified as illegal methods of obtaining insurance:

Among the numerous operators, there is always a company ready to issue a diagnostic card without inspecting the car. Such a technical inspection cannot be called anything other than formal.
And the last resort, which not every driver can afford to use, is purchasing a fake OSAGO policy.

Registration of compulsory motor liability insurance without a diagnostic card

So, let's look at how to take advantage of legal methods and loopholes. At the same time, we will analyze the advantages and disadvantages of each of the methods listed above and find out what the consequences of deviating from the “letter of the law” are.

Buy e-OSAGO without technical inspection

Since practice knows cases of loss of a diagnostic card, the law provides for the possibility of obtaining insurance without providing documents so that drivers do not drive a car without a policy, including a duplicate of the inspection ticket. You can buy compulsory motor liability insurance without providing a technical inspection and other documents via the Internet.

You can issue a policy remotely through many online services developed by intermediaries. But there is a risk of receiving a false document or losing money without receiving the paid insurance contract.

This method can be used as a last resort, for example, if you are purchasing a car for a short time (planning to resell it). We also advise you to pay for the purchase after delivery of the policy by courier.

Insurance for 20 days without maintenance

Many difficult situations arise in the life of car owners, and sometimes difficulties are caused by strict legislative norms. But after countless disputes and trials, deviations from the rules appear in the laws. Thus, it became possible to obtain “temporary” insurance, which protects for a 20-day period. Due to its specific purpose, such insurance is also called transit insurance. It is issued only if it is necessary to follow:

to the place of registration of the newly purchased car (to the desired branch of the MREO traffic police department);
to the selected operator to carry out a primary or secondary inspection (previously, car owners had to call a tow truck and use it to deliver the car to the inspection point in order to exclude driving without compulsory motor liability insurance and not receive a fine).

When registering a car, the owner is obliged to provide “full” insurance, that is, issued for a year or several months. This means that you will still have to undergo a technical inspection, but later. Apart from extra expenses on transit insurance (about 20% of the cost of an “annual” MTPL policy) and some deferment, this method does not give anything. Although it depends on what rates are set by local insurers. In some cases, it is really beneficial to take a temporary policy to “your” insurer and there, at reasonable prices, complete all the necessary documents.

Innovations in the law (amendments to Law No. 40 have been in force since 2012) provide car owners with the opportunity to exercise the right to choose the place of registration and service center. But this does not make it possible to avoid issuing a diagnostic card and an MTPL policy.

Purchasing a Formal Vehicle Inspection

You can obtain a diagnostic card without presenting your vehicle for inspection. The form must be filled out only for vehicle documents. Unscrupulous operators usually turn to formal inspections. Unfortunately, such “experts” who are willing to turn a blind eye to possible serious defects in a car for an additional fee are found in almost every city in the country.

If you resort to an illegal method of conducting a technical inspection, make sure that the not entirely conscientious company at least enters data about the car into the EAISTO database. Otherwise, you will never be able to conclude an insurance contract. Insurance company employees are required not only to familiarize themselves with the diagnostic card, but to check the information about the passed technical inspection in the database.

Receiving a fake diagnostic card

The most illegal of these is the method of obtaining compulsory motor liability insurance by providing a formal diagnostic card, as well as purchasing a fake policy. If the fake is made in such a way that it cannot be distinguished from the original, then such a form will be suitable for safely passing traffic police checkpoints.

It is more difficult to obtain a real policy from a forged card - each insurance agent is required to check it using an electronic database. Operators who sell “Filka’s certificate” for pennies cannot enter its details into EAISTO. But, just like among unscrupulous technical operating companies, among insurance agents there are also people who are ready to turn a blind eye to everything.

Not only their creators, but also the car owners who purchased the fake and used it will have to answer before the law for providing falsified documents. In addition to criminal liability, purchasing a fake can lead to financial losses in the event of an accident.

Consequences of using an insurance policy without a technical inspection

Let's consider three options for negative developments:

If insurance was taken out without a valid, authentic diagnostic card, then in the event of an accident, it is not the insurer, but the car owner, who will have to bear all liability to third parties. Even if the insurer is forced to pay the amount of damage for the culprit, the company will have the right through the court to demand its expenses from the negligent client (i.e., present regressive claims). Requirements may be presented to the inspection operator if there is evidence that the expert did not reflect in the diagnostic card a serious malfunction that led to the occurrence of an insured event.
If the technical inspection expires earlier than the compulsory motor liability insurance agreement, in the event of an accident the insurance company will pay the amount necessary to pay off the damage caused, but will be able to make regressive claims against the driver. During the trial, it will be easier for the insurer to defend its interests, since the owner of a vehicle that has not passed the inspection is usually found to be at fault for the accident. It is impossible to prove the serviceability of a vehicle without a valid diagnostic card. The responsibility of the vehicle owner will be perceived even more acutely if we are talking about a taxi, bus, minibus or truck transporting dangerous goods involved in an accident.
If during the validity period of the policy the insured event does not occur, but the fact of the absence of a valid diagnostic card is discovered, the contract between the client and the insurance company is canceled.

According to objective assessments of experts, loopholes in the law that allow you to issue a policy without a technical inspection create unfavorable consequences for the car owner. The policyholder violates one of the main conditions of the MTPL contract and is deprived of payments, and the policy is recognized as false. In this case, the driver may also incur administrative penalties for driving a vehicle without the required documents. In addition, a criminal case may be initiated against the owner of the car for the use of forged documents. It is more profitable and reliable to take out insurance in accordance with all legal requirements.

This article is in no way a call to commit illegal actions. Everyone decides for themselves how to insure their liability. We, in turn, on the contrary, draw your attention to the fact that the inspection of the condition of the car is carried out not for the sake of the insurance company, but for the sake of our own safety. Drawing up an MTPL agreement without a technical inspection is at least unwise, but also risky and unprofitable.