Is it possible to apply for compulsory motor liability insurance for 1 month?

OSAGO for six months, three months, a month and 20 days in 2019 - the price for obtaining transit insurance

According to the law, every car owner must have a compulsory insurance policy. This requirement is regulated by:

“Owners of vehicles are obliged, under the conditions and in the manner established by this Federal Law and in accordance with it, to insure the risk of their civil liability, which may arise as a result of harm to the life, health or property of others when using vehicles. “

Article 4, paragraph 1 of the Federal Law of April 25, 2002 N 40-FZ (as amended on November 28, 2015) “On compulsory civil liability insurance of vehicle owners”

Each new car must be insured no later than 10 days after purchasing the vehicle. The period for using the auto insurance policy is one year, but there are often cases when insurance must be taken out for a certain period. Then car owners have questions, for example, whether it is possible to obtain MTPL insurance for six months in 2019. Let's consider the possible validity period of the insurance contract and the features of its registration.

Registration of an MTPL policy for a period of up to 1 month

The concept of the period of use of insurance differs significantly from its validity period. And if the first value is always constant and amounts to one year, then the insurance period may be different, depending on the chosen tariff. Even if the “automobile license” is paid for 3 months, after the end of this period its validity can always be extended.

Drivers are wondering if it is possible to do compulsory motor liability insurance for 20 days. The category of drivers entitled to obtain such insurance includes those who drive their car across the territory of the Russian Federation to the place of its final registration or those going for a technical inspection. A 20-day contract is also called MTPL transit insurance.

“The owner of a vehicle has the right to enter into a compulsory insurance agreement for a period not exceeding 20 days in the absence of the documents specified in subparagraph “e” of paragraph 3 of Article 15 of this Federal Law, in the event of:
a) the acquisition of a vehicle (purchase, inheritance, acceptance as a gift and the like) to proceed to the place of registration of the vehicle.
In this case, the owner of the vehicle, before registering it, is obliged to conclude a compulsory insurance agreement for one year in accordance with the provisions of paragraph 1 of this article; b) proceeding to the place of technical inspection of the vehicle, repeated technical inspection of the vehicle.”

Clause 3, Article 10 of the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners”

The cost calculation is influenced by the region, vehicle category, its power, length of service and age of persons allowed to drive. Any capable citizen can apply for a transit policy, even if he is not the owner of the car. Moving without a valid transit insurance contract may result in a fine or even impoundment of the vehicle.

Often vehicle owners may need car insurance for a month. The law provides for a minimum insurance period of three months.

“Owners of vehicles have the right to enter into compulsory insurance contracts taking into account the limited use of vehicles in their ownership or possession.
Limited use of vehicles owned or owned by citizens is recognized as driving vehicles only by drivers specified by the policyholder and (or) seasonal use of vehicles for three or more months in a calendar year.”

Article 16, clause 1 of the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners”

But there are several options for taking out a policy for a shorter period. If the car has transit plates, you can get a “car title” agreement for 20 days. For seasonal use of the vehicle for a period of 7 months. two insurance documents are issued for a period of 6 months. (main) and 1 month. (additional insurance) accordingly. The law does not provide for other ways to insure a car under compulsory motor liability insurance for 1 month.

Taking out insurance for 3-6 months

After changes that came into force after March 1, 2008, drivers are given the opportunity to have seasonal car insurance, which provides for limited use of the vehicle. Therefore, when asked whether it is possible to obtain MTPL insurance for a car for 3 months in 2019, lawyers answer in the affirmative.

A three-month OSAGO policy is no different from a standard annual contract. Its validity period is indicated in the upper right corner immediately below the period of use of the insurance. To complete it, a standard package of documents is sufficient, and the cost will be half the price of the annual contract.

A six-month contract is suitable for people who use their car only in the summer. The cost of registration of compulsory motor liability insurance for six months is calculated taking into account the coefficient, which is 0.7. To find out the final price of MTPL insurance for 6 months, you need to multiply the annual cost by this coefficient. Of course, this price in terms of one month will be higher than the policy for a year, but at the same time it is more profitable for those who use transport irregularly.

The state provides motorists with a large selection of options for obtaining compulsory insurance, each of which has its own characteristics and nuances. Consulting a qualified lawyer will help you understand all the intricacies of insurance legislation.

Is it possible to insure a car for 1 month?

Compulsory car insurance in Russia allows you to protect movable property from any damage. Modern companies offer MTPL for a month, but only with certain restrictions. The issued form makes it possible to expand the standard package to obtain additional benefits.

Is it possible to issue MTPL for 30 days?

Insurance is a guarantee that if the car is damaged, it will be compensated. The program is mandatory for all motorists and vehicle owners.

The validity of the received form is provided only by law. It cannot be done for several weeks, because a short period of time is not regulated by any legislative act.

The agreement with the organization has several nuances:

• the period of car insurance differs from the period of use of the insurance;
• the validity of an official document is reduced in time if the conditions are favorable to the owner of the movable property;
• The validity period of the official form is reduced if movable property was purchased in one region and its buyer lives in another part of the country - the purchase must be registered;
• if movable property is registered in the name of a foreign citizen, a temporary permit is issued for a short period of time.

A month is too short a period of time for the insurance company permit itself: a mandatory car insurance agreement is calculated for no less than a year. The vehicle owner will be able to buy a permit only for a certain time.

Exceptions to the general rule are agreements signed without a diagnostic card. They are designed for the first 20 days.

Temporary twenty-day agreements are signed in the case of a vehicle purchase when the buyer needs to transport the car over long distances, but it has not yet been completed.

Similar rules apply to vehicles sent for additional technical inspection. A temporary permit from the Investigative Committee is also issued for him.

Where can I get insurance for a minimum period?

After purchasing a vehicle, the owner of the vehicle is required to obtain insurance. The rule is the same for all cars. The period of use of the insurance differs from its validity period.

The first concept is never less than a year. In the second case, the time period of insurance is determined by the owner of the vehicle. It is possible to extend insurance after 90 days of use: permits are issued according to a simplified procedure.

To obtain compulsory motor liability insurance, the driver contacts the insurance company. Together with a company employee, he chooses a suitable tariff for himself.

To quickly sign the agreement, the client is provided with the final amount of the insurance company's future guarantee - cost calculation for compulsory car insurance is used.

Registration procedure

To issue a mandatory coupon, the owner of movable property collects the necessary package of documents.

It includes the client's identification certificate, vehicle permits - registration certificate, passport, driver's license and diagnostic card. For unregistered vehicles you will need a title.

What is the difference between issuing a standard compulsory motor liability insurance in person or via the Internet for 3 months or more from an insurance company permit for 30 days:

• the document changes the value of the coupon validity period;
• Below in the received document the time period for using the car will be indicated.

The compulsory medical insurance policy provides for an extension of the coupon validity for all clients. The cost calculation is carried out before the contract is drawn up - the client knows the amount of insurance in advance.

Cost of MTPL for 30 days

The cost of compulsory motor liability insurance is based on certain terms of the contract. To purchase a form, the basic rate with changes is calculated. A territorial coefficient is added to it.

Additionally, an individual rate is calculated - it depends on the company providing car insurance services.

According to the terms of the agreement, the MTPL calculator is a standard program. It does not change at the request of the insurance agent.

The total policy amount is affected by the vehicle's power factor and the duration of insurance. The period of use of the insurance also affects its cost.

If the client’s goal is a form for up to one month, the basic tariff by region will cost him at least 4,000 rubles.

Insurance policy renewal

The policy can be renewed an unlimited number of times. The procedure takes place in a branch of the insurance company or online, which is convenient for any person. The service is available in many companies in Moscow and throughout the country.

To renew an official document, its owner must:

• contact your company with a completed application;
• provide the entire package of documents;
• pay a certain premium under the agreement;
• get a new ticket.

Renewal of an IC permit is possible only for one vehicle. The initial cost of tariffs is determined at the time of the initial signing of the contract, therefore the insurance company does not have the right to arbitrarily change the cost of the coupon.

The contract can only be renewed by the first person – the owner of the vehicle. A prerequisite is that no more than 30 days must pass from the moment of signing the official OGASA form, otherwise the policy will not be renewed.

Insurance companies offer the sale of one-month policies at a reduced cost, but you will have to contact the insurance company branch more often

Car insurance in Russia is mandatory. Each owner of movable property is obliged to enter into an agreement with the insurance company. It does not exclude liability for accidents on the road, but is an additional protection for the motorist.

I won’t be long: how do you apply for compulsory motor vehicle liability insurance for a month?

A motorist without a compulsory insurance policy is breaking the law. You can buy this Casco at your own discretion, since it is voluntary insurance. The obligation of each driver to issue a “motor citizen” is stated in Article 4, paragraph 1 of the Law of April 25, 2002 No. 40-FZ “On compulsory insurance of civil liability of vehicle owners . Therefore, you must insure the risks of civil liability, even if you need a car for a period of time: a month, three or several days.

Remember: you must take out a policy within 10 days after purchasing the car .

For what period can I buy insurance?

Under the same law, a car owner can take out so-called seasonal insurance for at least three months. You will not be able to specifically buy a MTPL policy for 1 month.

This is stated in Article 16, paragraph 1 No. 40 of the Federal Law:

Owners of vehicles have the right to enter into compulsory insurance contracts taking into account the limited use of vehicles in their ownership or possession.

Limited use of vehicles owned or owned by citizens is recognized as driving vehicles only by drivers specified by the policyholder and (or) seasonal use of vehicles for three or more months in a calendar year.”

By law, you can take out insurance for a limited period . For example, you will be issued a policy for one year, but you will be able to use the car only during the time strictly specified in the document. This is seasonal insurance.

There is also a certain difference between the concepts of “insurance period” and “insurance period” . the validity period of the insurance depending on the period of operation of the car: from 3 months to 10 or more. This condition is suitable for you if you use the car only in the summer or on weekends. When the term ends, you can renew, or renew, your insurance. The policy period is always one calendar year, at the end of which the rates and coefficients for the driver are recalculated.

Transit insurance - what is it?

The only exception that exists in the current legislation and concerns the period of “motor citizenship” is transit insurance . The term of such a contract is 20 days, but not everyone can buy transit insurance.

Transit insurance will suit you:

- if you bought your car in another region and you have to drive it to the place of final registration without documents. You can also buy such a policy if the car was given to you as a gift or inherited.

— the car needs a technical inspection and you are also driving it to another region or city.

These are exception cases that are specified in the law, and there are no other situations to buy a policy for 20 days or issue compulsory motor liability insurance for 1 month.

If you bought or inherited a car in another region, then driving it home without insurance is illegal . You may be fined for not having an insurance policy and even have your car sent to the impound lot.

What determines the cost of transit insurance?

The price of a transit policy includes several criteria:

— region of registration of the owner;

— vehicle category;

— experience and age of the motorist;

— vehicle engine power.

The advantage of the policy is that you can take out it even if you do not own the car. The policy is valid for a year, but in fact its validity period is only 20 days.

So is it possible to apply for compulsory motor liability insurance for a month?

Transit insurance is the only way to buy insurance, the duration of which will be shorter than specified in the law . But you can take out a policy for seasonal use of the car. Then you will have to draw up two contracts - the main one, for a period of six months, and additional insurance for one month.

Seasonal use of a car became profitable after legislation allowed issuing a short-term policy. Such insurance costs half as much as annual insurance, and the same documents are needed.

To calculate the cost of a six-month policy, you need to multiply the annual price by 0.7. So the cost of each month will be higher than that of annual insurance, but such a contract will be more profitable than a standard one.

How much does seasonal insurance cost?

Depending on the period of insurance, the price of the tariff is calculated. OSAGO for 1 month will cost you on average 2000 - 3000 rubles. The cost depends on several factors:

— the number of drivers included in the insurance;

— length of service and age of the car owner;

— policy validity period;

— car engine volume;

— region of registration of the car owner.

What documents will I need?

The package of documents for seasonal insurance is almost the same as for an annual policy:

— passport of a citizen of the Russian Federation or a foreign passport with a temporary residence permit;

— vehicle passport and vehicle registration certificate;

— driver’s license of the owner of the car and everyone allowed to drive the car;

— diagnostic card, maintenance certificate.

Before you take out a short-term policy, inform the insurance company employee and clarify the circumstances under which you require seasonal insurance.

How to extend the MTPL contract for 1 month?

You can renew both seasonal and regular insurance an unlimited number of times.

1. Complete a written application with the same insurance company where you purchased the policy.

2. Collect a package of documents.

3. Pay the additional insurance premium.

But remember, you can renew the policy only if the owner of the car has not changed and no more than 30 days have passed since the end of the previous contract. Otherwise, you will have to buy new insurance.

An insurance policy for a period of 1 to 12 months can only be purchased by the owner of a car registered in another country . Also remember that the “motor citizen” is valid only on the territory of Russia. If you need to drive your car abroad, you will have to additionally issue a “Green Card” - this is an insurance policy that is valid abroad.

Insurance company questions

When you take out short-term insurance, you ask yourself: how to calculate the price of the policy? Do you need a technical map? How to pass the technical inspection? We asked these questions to a representative of the Soglasie insurance company.

1. What will the odds be? How is short term insurance calculated, do rates remain the same?

When purchasing a short-term policy (the so-called “transit”), the same coefficients are used as when purchasing an annual policy. With the difference that the territory coefficient (CT) for a “short” policy will always be equal to 1.

2. How will a short period of time be taken into account in the total length of service? It will be less or remain the same, but, for example, plus three months?

The final premium will also be reduced by applying a coefficient for the insurance period. Driving experience is calculated according to the driver's license; the conclusion of MTPL agreements does not affect it in any way.

3. Do I need a technical inspection certificate? Or can I use last year’s card if the insurance is short-term? Do maintenance requirements remain the same as for annual insurance?

No. To purchase a short-term MTPL policy, providing a diagnostic card is not required.

Frequently asked questions and answers on “Vyberu.ru”:

1. We recently got into an accident; the driver who hit us did not have a car insurance policy. The insurance company refuses to pay compensation. They say this is not an insured event...

Answer from “Vyberu.ru”: The insurance company cannot refuse to pay you compensation if the at-fault driver is not included in the OSAGO policy! This is regulated by clause 1 of Art. 14 Federal Law, the so-called law “On OSAGO”. Even if the at-fault driver is not listed on the policy, the insurance company is obliged to pay you compensation. Read more in the article “Vyberu.ru”: “Left without compensation in an accident: when the insurance company cannot refuse?” .

2. If you have a compulsory motor liability insurance policy, why take out a comprehensive insurance policy? I heard that Casco is very expensive insurance.

Answer from “Vyberu.ru”: The OSAGO policy only covers losses that occurred due to the driver’s fault. For example, if you are involved in an accident, the at-fault motorist's insurance company will pay you compensation. But if your car is stolen, then OSAGO will not help. It also won’t help if someone “hit” your car in the parking lot and disappeared. Or if a tree fell on him during a thunderstorm. These and other risks are insured by the Casco policy. Yes, it's expensive insurance. But there are several ways to make it cheaper. We wrote in more detail in the article “Why do you need a Casco policy if you have compulsory motor liability insurance, and how can you save on Casco?” .

3. Is it true that electronic and paper policies have been made equal? Where can I read about this? Don't need to carry paper with you?

Answer from “Vyberu.ru”: Yes, it’s true. In the spring of 2019, the rights of paper and electronic MTPL policies were equalized. Even if you entered into an agreement in the office, you may not take the policy with you. But we are talking primarily about policies that will be issued after the law comes into force: 180 days after the publication of the document. Read the details in the material “A printout will no longer be required: the State Duma has made several new changes to the law on compulsory motor liability insurance .

Is it possible to issue compulsory motor liability insurance for 1 month, 3 months, six months - we understand the nuances of car insurance

The article will answer the questions: is it possible to issue compulsory motor liability insurance for 1 month, 3 months, six months, how to buy transit insurance, how much short-term insurance costs, who benefits from it

The presence of a car owner's MTPL policy is regulated by current legislation. Within 10 days from the date of purchase of the vehicle, the driver must purchase a policy.

Most often it is issued for a year, but options for purchasing insurance for shorter periods are not excluded.

Car enthusiasts often ask whether it is possible to apply for compulsory motor liability insurance for 1 month or six months.

In the article we will talk about all the opportunities that Russian companies and current legislation provide policyholders, as well as the features and cost of such options.

Is it possible to apply for compulsory motor liability insurance for 1 month?

The law does not allow concluding a contract for one month ; the minimum period of motor third party liability insurance is 3 months.

However, car owners can take out insurance with the condition of limited use of the vehicle. This means that the policy is issued for 1 year, but the driver uses the car on strictly specified days and months (for example, only on weekends or during the summer season).

There is one exception that allows you to conclude compulsory motor liability insurance for 20 days.

This option is called transit, and it is available only to those who:

1. is forced to drive his car to the place of final registration without documents, having received it as an inheritance, a gift, or having bought it in another region;
2. This vehicle should undergo a technical inspection, including a repeat one.

Both cases are prescribed in the MTPL Law; in other situations, MTPL for 20 calendar days is not available to drivers.

The cost of a transit policy depends on:

• region,
• vehicle categories,
• engine power,
• experience, age of drivers.

A policy is issued to any person, regardless of whether he is the owner of the insured car, and for a period of one year. Although in fact the insurance period will be only 20 days.

You cannot drive a car without a motor vehicle insurance policy, otherwise you may be punished for lack of compulsory motor insurance with a fine or the car will be impounded.

Remember that transit and regular MTPL policies are valid only on the territory of the Russian Federation.

If you are driving a car from abroad, you will need an additional “Green Card” - a “car insurance” policy valid in other countries.

OSAGO for a period of 3 to 6 months

In 2008, so-called seasonal insurance became available to drivers, which provides for limited use of the vehicle.

Today, MTPL insurance for 3 months or more can be purchased by any interested motorist.

The policy for this period is issued as standard, only the validity period is indicated at the top right under the period of use .

The documents needed to purchase insurance are the same, but the cost will be different.

If you decide to take out MTPL for 3 months, then you will have to pay exactly 50% of the annual premium.

Those who use a car only in the warm season are wondering whether it is possible to buy compulsory motor insurance for six months?

Insurers are willing to enter into such contracts, since the amount of the insurance premium will be calculated using a coefficient of 0.7.

The price of an annual service is multiplied by 0.7 - and you get the cost of a “car license” for 6 months. This is more expensive than the monthly rate when concluding an annual contract.

But even with this calculation, you can save money if you do not plan to use your vehicle for the entire 12 months and prefer to issue compulsory motor liability insurance for six months.

So, we answered the questions whether it is possible to issue compulsory motor liability insurance for 1 month, in which cases you have the right to purchase transit insurance for 20 days, what short-term options for “car insurance” are allowed, how much such policies cost and in which cases it is more profitable to buy them than sign a contract for a whole year.

The legislation gives motorists the opportunity to independently choose the desired option.

You yourself must evaluate your capabilities and plans and decide whether you need insurance for six months, compulsory motor liability insurance for 3 months or a year. Insurers and lawyers will always help you understand the intricacies of car insurance and make the right choice.

But remember that compulsory motor liability insurance is a compulsory type of insurance, and you cannot hit the road without it.

We make an MTPL policy for a short period (1 or 3 months)

By law, every owner is required to insure a personal car. Newly purchased cars must be registered no later than 10 days after purchase. The validity period of the standard package of services is one year, but it often turns out that it is necessary to conclude an agreement under MTPL for 3 months or several days. What to do in such a situation?

For the convenience of clients, modern insurance companies offer to purchase policies with a short validity period.

Is it possible to issue a short-term compulsory motor liability insurance?

For 1 month

Paragraph 4 of Article 10 of the Federal Law No. 40 “On Compulsory Motor Liability Liability Liability Liability Insurance” provides for a shortened period of validity of the MTPL liability insurance agreement, amounting to three months. What should a car owner do when he needs a car license for a much shorter period or does not have enough money? Is it possible to get insurance for a new car for 1 month?

If the owner is not afraid to take risks with the vehicle he has just purchased from the dealership, and is confident that he can avoid an accident on the road, then the car does not need to be insured for the first 10 days. However, if an accident occurs, such a driver will have to compensate the damage to the victim from his own wallet.

Inexperienced car owners are better off not taking risks, but using available methods of obtaining an MTPL policy.

The MTPL agreement with the insurer is signed for a minimum period in several situations:

• transit (for 20 days) can be obtained when driving a recently purchased car to the place of registration in the driver’s home region or to a car service center;
• when transporting foreign cars from foreign countries for use in Russia, a policy is purchased for 5-15 days;
• if a citizen is a citizen of another state, has come on a business trip and intends to drive his car on Russian roads, he will be allowed to draw up an agreement for one to two weeks;
• if the car is used seasonally, for 7 months, then you can take out two policies: one for six months (main), the second for 30 days as additional insurance.

There are no other legal options for obtaining an incomplete policy.

For 3 months

Is it possible to insure a car for a short period? Automotive lawyers respond positively to this. Insurers provide this service to absolutely all categories of car owners without restrictions. Moreover, the policy is not much different from a standard contract, which is signed for 12 months. The insurance start date on the form is indicated in the upper right corner under the period of use.

Incomplete MTPL can be very useful if the owner plans to:

• transfer the car to another person for travel;
• leave the car at a technical center if the vehicle requires complex tuning or lengthy repairs;
• sell urgently;
• go abroad, on vacation, long business trip;
• the presence of an exclusive car that can be used only during a certain period in the presence of favorable weather conditions;
• change cars frequently.

It must be borne in mind that the insurance period of three months is established by law only for individuals, for legal entities. persons, the minimum term under the law on compulsory motor liability insurance is six months.

Typically, a three-month policy is purchased for vehicles that are impossible and impractical to use throughout the year. This type of technology includes:

• watering,
• agricultural,
• snow removal

Insurance companies do not require a report from vehicle owners under what conditions and when the car will be used. The driver will be responsible for the lack of valid insurance in the event of an accident or other incident. If a traffic police inspector, when checking the documents of a traffic violation violator, discovers that the vehicle license is overdue, then such a motorist will have to pay an administrative fine.

It is possible to obtain an MTPL policy for a quarter, when 3 months follow one after another, or you can specify in the contract other periods of using the car, which together will also amount to a three-month period. In this case, it is necessary to distinguish between the concepts of term and period of insurance. The insurance period for Russian cars is always one year. The period of use is considered to be the time when the driver moves along the road in his car. Thus, even when concluding a short-term contract with the insurer, the insurance is still considered annual, and the policy will be valid only for the period specified in the contract - only three months, which follow each other or, for example, in January, March, July.

Registration procedure

If the owner of a car is going to take out an insurance policy in 2018, then he must first write an application, get approval from the insurance company, and then sign a compulsory motor liability insurance agreement. The insurance coverage begins on the day the agreement is concluded and payment is made.

The application must be accompanied by several additional documents containing information about the car, its technical condition and the car owner.

The application is drawn up either in any form, or a form is filled out, which is provided at the insurer’s office. In the columns you will need to indicate your passport data, identification code, and vehicle registration details.

The agreement is also drawn up on a special form with standard clauses. You will need to enter the details of the policyholder and the insurance company. The list of main points often includes:

• subject - car insurance;
• car information;
• listing of insured events and risks;
• the amount of insurance;
• obligations and rights of the company and the driver - owner of the car;
• duration and validity period of the agreement (3 months);
• rules for signing, terminating, and renewing the policy;
• signatures of the parties.

Insurers have the right to make some changes to the terms of the contract and add their own provisions.

Required documents

List of documentation that will need to be submitted to the insurance company office:

• an application with a request to issue an incomplete MTPL policy for a period of 3 months or 15-20 days;
• civil passport of the car owner;
• car passport or registration certificate that needs to be insured;
• diagnostic card with data on the technical condition of the car;
• a document evidencing the existence of ownership rights - a purchase and sale agreement;
• driver's license.

If, in addition to the owner, relatives, friends, wife or children get behind the wheel, then their names are included in the policy. To do this, you must have copies of their driver's licenses with you.

How much does it cost to insure a car for a short period of time?

If you purchase a policy for only 3 months, the car insurance service will be more expensive, but you can still save money. The price of short-term insurance is usually half the cost of an annual MTPL policy.

Let us give a specific example of calculating the price of an insurance contract. If the car owner is a Russian, lives in Moscow, is over 32 years old, has more than 4 years of driving experience, and bought a car with a capacity of up to 200 horsepower, then insurance for him will cost an average of 7,000 rubles. The amount is calculated taking into account the increasing coefficient for Moscow. If the number of drivers allowed to drive is greater, the price will increase.

If you haven’t found or don’t have time to search for an additional coefficient in your region, then use the calculator on the website of any insurance company.

It should be noted that the indicated cost will only be approximate; the final amount that will need to be paid to the insurer's cash desk will be reported to you at the office of the company where you will buy the policy. The insurance company employee will calculate the price individually, based on the specific situation, condition of the car and other data.

Will it be possible to extend the policy period?

Extension of the MTPL policy is allowed for 3, 6 and 9 months. To do this, you need to visit the insurer's office before the end of the insurance period. If there is a delay, the insurer will terminate the contract. Then it will be impossible to renew the old policy; you will have to enter into a new MTPL agreement and pay not 20%, but 50% of the total policy price for the next three months. The overpayment will be significant.

By extending the policy for up to 9 months, the car owner receives a standard package of auto insurance services.

If there is a need to insure a car for only 4 months this year, then purchase a policy first for 3 months, and then extend it for another 30 days (additional insurance).

Is short-term insurance beneficial?

Three-month insurance has its positive and negative aspects.

The advantages of purchasing a short-term policy include:

1. Only 50% of the total cost of compulsory motor liability insurance is paid, the rest is paid upon extension for six months or a year.
2. This method is reminiscent of purchasing a policy in installments, although the law does not provide for this form of issuing compulsory motor liability insurance.
3. Convenient for drivers who do not have enough money to immediately pay in full for the annual package of car insurance services.

Considering the constant rise in prices, you can get some benefits when renewing your insurance.

What are the disadvantages of short-term type of insurance:

1. Late payments are not allowed, otherwise the contract is terminated and a new agreement is concluded.
2. To renew your policy, you must visit the insurer's office.

In general, a shortened period of compulsory liability insurance is an affordable, cost-effective option for many. This offer from insurance companies is especially valuable for car owners with limited funds. It is better to buy a three-month policy than to travel without this document at all. This way, you can avoid a fine from the traffic police and have the opportunity to restore the injured party’s expensive car by paying compensation if an accident occurs.