Is it possible to insure a car with temporary registration?

Registration of compulsory motor liability insurance with temporary registration and without registration

A modern person freely changes his place of residence due to work prospects or family situation. At the same time, he not only moves himself, but also transports his car in order to maintain the comfort of movement in the new place. Such mobility contributes to the implementation of life plans, but also makes the car owner wonder whether, having left his native place, it is possible to apply for compulsory motor liability insurance without registration.

Is it possible to apply for compulsory motor liability insurance at a location other than your place of registration?

Any motorist knows that driving a car without a valid civil liability insurance policy is prohibited by Russian law and is fraught with punishment for the violator in the form of quite significant fines. But what about the owner who, while on a long trip far from his place of permanent residence, discovers that the old insurance has expired and he needs to take out a new one? Indeed, in such a situation, the driver does not always have the opportunity to return home for this purpose.

Here you should be guided by the provisions of Federal Law No. 40-FZ, which allows the owner of a car to contact any licensed insurance company in Russia and buy the necessary policy not at the place of registration.

This means that a resident of any Russian city, finding himself, for example, on business in Moscow, can safely contact a local insurance company to insure his car or his own civil liability. And metropolitan insurers do not have the right to refuse a service to a client from the region. They are obliged to arrange compulsory motor liability insurance for him in the manner prescribed by law, namely:

• accept for consideration the approved package of documents;
• calculate the cost of insurance;
• issue a policy within the period established by law.

In this case, when calculating the cost of compulsory motor liability insurance not at the applicant’s place of registration, insurers will apply an increasing regional coefficient in the value corresponding to the area of ​​​​permanent registration of the car and its owner, and not established for residents of Moscow.

Procedure for registration of compulsory motor liability insurance when changing registration

Today it is impossible to surprise ordinary citizens with a change of registration. Only insurers can be truly surprised if they discover that, having changed their place of residence, the car owner did not bother to notify them about the change in the mandatory information specified in the insurance contract. Such carelessness can result in problems for him when processing insurance payments as a result of an accident.

Mandatory notification of the insurance company about changes in data is one of the requirements of the current MTPL Rules. At the same time, the policyholder does not need to take out a new policy, as was the case before 2013. You just need to visit the representative office of your insurer, and then make corrections to the previously concluded contract. However, the car owner should take into account that changing the region of residence may entail an automatic recalculation of the cost of insurance. In some cases, its price may increase significantly, and in others it may pleasantly decrease:

1. If the policyholder has moved from the outback closer to the capital, a higher regional coefficient rate will be used when determining the price. For example, for Moscow it has a value of 2. In this case, the car owner, along with changing the data, will have to pay extra for insurance, the cost of which will increase.
2. If the car owner has gone to one of the remote regions of the country with calm traffic and low road congestion, insurers will apply a lower value of the regional coefficient. And then the insurance company will have to compensate him for the difference in the cost of insurance.

Today, car owners have the right to issue insurance documents via the Internet without visiting the insurer’s office. The procedure for purchasing an electronic policy is available to the public on the websites of most Russian insurance companies.

Obtaining a policy with temporary registration

According to Russian legislation, citizens of the country who, for one reason or another, do not live at their place of permanent residence for more than 90 days, are required to notify the migration service about where they live, having issued temporary registration for this. This requirement applies to both Russians and foreign citizens staying in Russia for a long time.

Most often, such situations arise in connection with work or visiting educational institutions far from home. And if during the entire period of temporary registration the car owner does not stop using his own vehicle, the moment will inevitably come when the insurance policy expires, and the driver will wonder whether it is possible to issue an MTPL policy at the temporary registration address.

The Federal Law on Automobile Liability Insurance explains that the insurance contract is drawn up taking into account coefficients, the values ​​of which depend, among other things, on the region where the car is primarily used. This region is determined by the official place of residence of the car owner. Based on this statement, it follows that when the owner moves to a new place of residence, the region of primary use of the car changes. This means that there are no obstacles to the car owner taking out temporary registration insurance.

In this case, the order of actions that the car owner needs to take depends on what he plans to do:

• renew the validity of the old policy;
• draw up a new insurance contract.

If we are talking about renewing existing insurance, it is enough to contact the representative office of your insurance company in the given region and bring the previously concluded contract. There is no need to re-submit any documents, since information from them is already stored in the insurer’s general database.

If the car owner is to conclude a new contract, he must collect and submit to the insurance company a set of documents approved by law:

1. Statement.
2. Internal civil passport.
3. PTS.
4. Car registration certificate.
5. Copies of the driver's licenses of everyone whom the owner trusts to drive the car.
6. Diagnostic inspection card.
7. Power of attorney if the insurance is not carried out by the owner of the vehicle.

When applying for compulsory motor liability insurance for a car under temporary registration, you must provide the insurers with the appropriate document received from the Federal Migration Service. He will confirm the long-term stay of the car owner at a place other than the place of residence indicated in the passport. In this case, for insurers, when calculating compulsory motor liability insurance, official temporary registration will become a legal reason to apply other regional coefficients.

Such insurance will be valid only until the expiration of the temporary registration period. Most often, insurance companies immediately issue a policy only for the period of validity of the temporary registration.

Is it possible to do OSAGO without registration?

Car travel in Russia and Europe, which has gained great popularity in recent years, has raised another important question for car enthusiasts: is it possible to obtain compulsory motor liability insurance in the case where the owner of the car does not have either permanent or temporary registration in Russia?

In a person’s life, situations can be different:

• left his old place of residence due to moving, but was delayed on the way and did not have time to register at the new address;
• sold the property, but has not yet purchased a new home, and therefore was temporarily left without registration;
• a foreign citizen who arrived in Russia for a long period of time has not completed documents confirming his Russian residence address, but has already received the right to use a car.

Unfortunately, the law is inexorable in such a situation. It is not possible to issue compulsory motor liability insurance without official registration. Without reliable information about the applicant’s place of residence, insurers cannot apply the regional coefficient provided by law to calculate the cost of insurance. And without it, the formation of the price of the insurance contract cannot be completed.

In such a situation, the car owner cannot take out an insurance policy personally, but a way out is still possible. The policyholder can be any person who is allowed to drive the car and has a simple handwritten power of attorney from the owner. The owner is included in the insurance both as the owner and as the driver of the car.

Russian legislation in the field of insurance services today gives motorists a lot of room for maneuver. Car owners can safely change not only cities, but also regions of their residence, without experiencing any difficulties with obtaining a motor vehicle liability policy. Any insurance company located in the country is obliged to provide appropriate services to the applicant, regardless of whether he has permanent or temporary registration in that particular region.

Registration of compulsory motor liability insurance with temporary registration and without registration

In our time of fast speeds, the planet is becoming smaller and smaller, and people move from one place to another without any problems. Often people not only move themselves, but also take with them things dear to their hearts, including cars. During the move, you have to solve a lot of issues, and one of them is issuing a compulsory motor liability insurance policy.

Is it possible to apply for compulsory motor liability insurance at a location other than your place of registration?

Driving a car without a valid MTPL policy is prohibited by Russian law and carries risks in the form of a significant fine for the car owner’s budget. What should a vehicle owner do if, while away from the place of permanent registration, he remembers that the insurance period is expiring and he needs to take out a new one, and it is not always possible to return home for this.

Fortunately, the provisions of the federal law dated April 25, 2002 No. 40-FZ “On OSAGO” provide the car owner with the right to contact any insurance company in Russia and issue a policy not at the place of his permanent registration. Insurers are required to issue compulsory motor liability insurance for:

• having accepted the package of documents established by law;
• by calculating the cost of the policy;
• obtain insurance in a timely manner.

When determining the cost of a policy that is not issued at the driver’s place of registration, insurance companies apply an increasing coefficient corresponding to the region of registration of the vehicle and its owner.

Procedure for registration of compulsory motor liability insurance when changing registration

Changing registration is a fairly common occurrence these days. But at the same time, every car owner should remember that, having changed his registration, he must notify the insurance company about this in order to make changes to the insurance contract. Otherwise, carelessness may result in problems when getting into an accident and processing insurance payments.

Notification of the insurer by the client about the change of details is one of the requirements of the current procedure for motor third party liability insurance. At the same time, the car owner does not need to issue a new policy; it is enough to visit the office of his insurance company and make changes to the current contract. It should be taken into account that a change in the region of registration may entail a recalculation of the cost of the policy, so that in some cases it can increase significantly, and in others, on the contrary, decrease. So, if a car owner moved from a remote region to Moscow, then when determining the cost of the policy, an increased rate of the regional coefficient will be applied, which for Moscow is equal to 2. In this case, the client must not only inform the insurance company about the change in details, but also make an additional payment for insurance . If the move took place in the opposite direction, then the insurer will be obliged to compensate the car owner for the difference in the cost of insurance.

Obtaining a policy with temporary registration

In accordance with the provisions of Russian legislation, persons who, for one reason or another, stay for more than 90 days at a location other than their place of permanent registration, are required to notify the migration service about this and register at their place of temporary residence. This requirement applies to both Russian and foreign citizens (stateless persons) who have been staying in Russia for a long time.

Most often, such situations are caused by work or education. If during the period of temporary registration the car owner continues to use his vehicle, then sooner or later there will come a time when the MTPL policy expires and the question arises as to whether it is possible to obtain insurance at the place of temporary registration.

The Federal Law “On Compulsory Motor Liability Insurance” establishes that the insurance contract must be drawn up taking into account coefficients that are determined, among other things, by the region of primary use of the car. This region corresponds to the place of residence of the car owner. Thus, when moving to a new place of residence, the region of primary use of the car changes. This means that the car owner must renew the previous one or issue a new MTPL policy at the place of temporary registration.

If you intend to renew your insurance, the client should contact the office of the insurance company serving the given region with a passport and a current contract. There is no need to provide any other documents, since the relevant information is stored in the database.

If the car owner plans to enter into a new MTPL agreement, he must submit the following package of documents to the insurance company:

• statement;
• passport of a citizen of the Russian Federation (foreign state);
• document from the migration service on temporary registration;
• PTS;
• vehicle registration certificate;
• copies of driver's licenses of all persons who are entrusted with driving;
• TO card;
• power of attorney if the insurance is issued by a representative of the car owner.

For insurers, when calculating the cost of compulsory motor liability insurance, official temporary registration is the legal basis for applying the appropriate regional coefficient. Such insurance will be valid until the expiration of the temporary registration period. Most often, insurance companies issue a policy specifically for the period of temporary registration of clients.

Is it possible to insure a car using temporary registration and what documents are needed?

A mandatory condition for legal movement on the roads of the Russian Federation today for car owners is the presence of compulsory motor liability insurance. At the same time, the Law obliges the purchase of such a policy not only by citizens of Russia, but also of other countries if they travel around the Russian Federation by car. To speed up the registration of compulsory motor liability insurance by foreign citizens with temporary registration, it is worth knowing some nuances in 2019.

Is it possible to apply for compulsory motor liability insurance under temporary registration in 2019?

Foreign citizens who came to the Russian Federation as tourists or on a work visa are required to undergo temporary registration. It is also received by Russian citizens if they:

• moved to another city for permanent residence without purchasing their own housing;
• on a business trip longer than 90 days.

Taking into account these circumstances, the driver driving the car needs a compulsory motor liability insurance policy. When drawing up an insurance contract for temporary registration, it is important to control which region coefficient the insurer uses in its calculations. It is correct to apply the meaning that is characteristic of the city of permanent residence.

What problems may arise

An integral condition for obtaining motor third party liability insurance in the Russian Federation is registration at the place of actual residence, if the car owner does not have a permanent residence permit. According to the Law “On Compulsory Motor Liability Insurance”, when contacting the Investigative Committee, the driver provides information about where not only the vehicle is registered, but also where he himself is registered.

Note! A driver without compulsory insurance faces a fine when checking documents. And if he provokes an accident, the victim will not be able to count on the assistance of the insurance company under compulsory motor liability insurance. In other words, refusal to register will lead to serious financial expenses for both drivers, and the injured party will probably have to pay for the damage through the court.

If the owner of a car with a valid policy has been deregistered in one city, but has not yet managed to obtain registration in a new place of residence, he needs to notify the insurance company about this. Then the insurer will make changes to the current insurance contract and recalculate the cost of insurance. Otherwise, the vehicle owner will face a fine for providing out-of-date information.

Is it possible to do OSAGO without registration?

If a person is on a short-term trip to another region, up to 3 months, then there is no need to obtain a temporary residence permit. The law obliges you to apply for it only if you stay in another city for more than 90 days in a row. If the previous policy has lost its validity during this period, a new one is issued taking into account the data on permanent registration.

Remember! If a person does not have either temporary or permanent registration, then it will not be possible to apply for compulsory motor liability insurance. The insurance company will refuse him, arguing that it is impossible to calculate the cost of insurance according to the regional coefficient.

The procedure for obtaining compulsory motor third party liability insurance for temporary registration

The first purchase of compulsory insurance for temporary registration is completely identical to the procedure for concluding an agreement at the place of registration. The owner of the vehicle must contact the selected insurance company with an application and a mandatory list of documents, pay the premium in the required amount and receive the policy in hand. OSAGO can be extended by temporary registration if the insurance period has expired. The driver has the opportunity to buy a policy in person or remotely: according to the Law, since 2017, all insurance companies are required to sell E-OSAGO.

Package of documents

When drawing up a contract of compulsory motor third party liability insurance, it is important to provide the insurance company with a full package of documents, in accordance with the Law:

1. Civil passport of the car owner, which indicates his full name, date of birth and place of registration. If the driver is a foreign citizen, a valid ID is required.
2. Driver's license of all persons permitted to drive a vehicle. If you are applying for an unlimited motor vehicle license, then only the vehicle owner’s ID is required.
3. The technical passport of the car, which contains data on engine power, the brand and owner are indicated.
4. Registration certificate.
5. Diagnostic card. The document must confirm the proper condition of the vehicle for operation.
6. Purchasing a compulsory car insurance policy is possible only after the insurance agent is convinced that the car is in proper condition for operation. This document can be obtained after maintenance at the service station by specialists.

On a note! If for any reason the car owner cannot apply for a car title in person, he can use the help of another person. But to do this, he will need to issue a power of attorney, reflecting the right to sign documents on behalf of the car owner. However, some insurance companies require notarization of such paper.

How much does OSAGO cost for temporary registration?

Calculating the cost of a motor vehicle license based on temporary registration involves the use of special coefficients. They are determined by various factors:

• driver age;
• driving experience;
• vehicle power;
• vehicle accident class;
• seasonality;
• region.

The last factor is determined by the place of permanent residence of the car owner and is individual for each region. For example, it is more expensive to insure a car in Moscow than in Lipetsk. Therefore, the place of permanent registration of the car owner affects the cost of compulsory motor insurance, but temporary registration does not.

What to do after receiving permanent registration

When changing registration, a car owner who uses a compulsory insurance policy must notify the insurer. Then the insurance company will make changes to the current contract and issue the car owner a new document with up-to-date registration information. Failure to notify the insurance company in a timely manner may result in penalties. After all, compulsory motor liability insurance at the old address could cost less, but due to moving to another region, the price of insurance after recalculation may increase. In the event of an accident, the insurance company will have the right to refuse compensation to the driver for damage if the insurance contains incorrect information.

Temporary registration is not an obstacle to purchasing an MTPL policy. It can be issued at the nearest office of the insurance company with which the previous insurance contract was concluded, or remotely online on the insurer’s website.

Registration of compulsory motor liability insurance in case of temporary registration

There are quite a few reasons why a person may need to use their car for a long time away from home.

Is it possible to issue a compulsory motor liability insurance policy with temporary registration? How to do this and how much will such insurance cost?

Is it possible to make an MTPL policy using temporary registration?

Everything related to compulsory car insurance is regulated by Federal Law No. 40. According to this document, absolutely everyone who drives a car in the Russian Federation must have insurance. Therefore, various insurance companies must enter into an agreement with anyone who applies, regardless of the place of registration and whether it is temporary or permanent. Both Russian residents who are registered in another region and foreigners can purchase insurance in this way.

Registration procedure

Purchasing compulsory motor liability insurance under temporary registration is fundamentally no different from the usual purchase of a policy. In 2019, there are two options for how to do this:

• in person at the company office;
• online, through the official website of the insurer.

In the first case, the algorithm of actions will be as follows:

1. Provide the insurer with all necessary documents. Copies of these may also be required.
2. Fill out a special application form.
3. Carefully check all the details of the contract.
4. Pay.
5. To sign documents.

You can also send your application by mail: a valuable letter with acknowledgment of receipt.

You can also request a preliminary cost estimate and payment details. Three days after it is transferred to the insurance company, this data will be available at the company branch. Refusal to provide a policy will be illegal, and this fact may become the basis for filing a complaint with the RSA or the Central Bank. This form of application can be useful in that it will help avoid the imposition of additional paid services.

The application must contain the following information:

• full name of the insurance company;
• Full name of the policyholder;
• registration address;
• contract time;
• car parameters and details of its documents;
• the purpose for which the machine is used;
• list of drivers;
• period of use;
• data on the previous compulsory motor liability insurance;
• signatures of the policyholder and the insurer's representative;
• date of signing.

To receive an electronic policy, you must do the following:

1. Register on the website of the insurance organization.
2. Calculate preliminary cost.
3. Fill out the application form.
4. Pay for insurance using a bank card or electronic money.
5. Receive by e-mail and print out an electronic policy, or pick up a paper version at the company’s office. Some companies can also send it by regular mail.

Foreign citizens cannot apply for compulsory motor liability insurance via the Internet; they will have to visit the insurer in person.

What documents will be needed

To apply for compulsory motor liability insurance under temporary registration, you will need the following documents:

1. Statement.
2. Passport.
3. For foreigners - a document that confirms that a person is in Russia legally. For example, a residence permit.
4. For citizens of the Russian Federation - a document indicating the place of temporary registration.
5. Driver's license of the owner of the car, as well as everyone who will be allowed to drive it.
6. Documents for the car (registration certificate, PTS, diagnostic card, etc.).
7. Previous insurance policy, if any.
8. Power of attorney to conclude an agreement if the insurance company is not the owner of the car.

Papers written in a foreign language must be translated into Russian.

If the policyholder already had an MTPL policy, it is reasonable to contact the local branch of the same company. When renewing your insurance, no additional documents will be required. All that will be needed is the previously concluded agreement.

How much will such insurance cost?

The cost of compulsory motor insurance depends on many factors - the so-called coefficients. There is also a regional one among them. This means that in one place of the country insurance will cost less, in another it will be more expensive. This approach is associated with the risk of getting into an accident. Naturally, in large cities with busy traffic these risks are greater. Consequently, insurance will be more expensive.

If there is only temporary registration, the total cost of compulsory motor liability insurance is calculated based on the local coefficient. But if a person also has a permanent residence permit, then the premium of the region where this motorist resides permanently is used. There should be no other surcharges or additional payments for obtaining insurance under temporary registration - this is illegal.

Is it possible to take out a compulsory motor liability insurance policy for temporary registration with temporary registration even if there is a permanent one? According to Federal Law No. 40 “On OSAGO”, definitely yes. At the same time, there are no fundamental differences from the usual purchase of a policy in this procedure. The cost should also be calculated in the standard way, without any additional payments for purchasing insurance outside the place of registration. However, the regional coefficient of the particular area where the owner of the car is permanently registered will be taken into account.