Do you need a passport when applying for compulsory motor liability insurance?

What documents are needed for car insurance?

After purchasing a car, the driver is required by law to insure it within 10 days. Autocode will tell you what documents need to be prepared for car insurance.

Content

What documents are needed to apply for an MTPL policy?

The list of documents for compulsory motor liability insurance is the same for all insurance companies. You will need:

Passport or other identity document. If you are insuring a car that you do not own, you will also need the owner’s passport information.
Driver's license for everyone who plans to drive a vehicle. For MTPL insurance that covers several drivers, you need to provide identification for each of them, but if you are taking out a policy with an unlimited right to use a car, then identification is not needed at all.
Vehicle passport (PTS, registration certificate) and vehicle registration certificate. These documents contain all the data about your car. The PTS is a two-page gray document in A5 format that is issued when you purchase a car, and the registration certificate is a pink or orange A7 card that you receive from the traffic police. Both documents must be provided.
Diagnostic card. It is issued based on the results of a technical inspection. You need to undergo a technical inspection once every 2 years if your car is under 7 years old and once a year if it is older. You can undergo maintenance at any technical service center. Most often, insurance companies work with certain services, but they do not have the right to impose their services.
MTPL policy preceding the one being issued (if any).
Application for a policy. You will submit this document to the insurance company; the agent must give you the form to fill out.

OSAGO for legal entities

In addition to the technical passport, vehicle registration certificate and diagnostic card, you need:

power of attorney from the director or charter of the organization;
legal registration certificate faces;
Stamp of the company.

! Individual entrepreneurs require the same documents for compulsory motor liability insurance as private individuals.

What documents are needed to apply for a CASCO policy?

The full list of documents for CASCO insurance often differs among insurers, but the basic set is the same everywhere:

Driver's license. The rules here are the same as for the MTPL policy. If the car will be driven by a limited number of people, then a driver’s license for each of them is needed. If there are no restrictions (which is much more expensive), rights are not needed.
Vehicle passport. It is issued when purchasing a car.
Vehicle registration certificate. You should receive it as soon as you register the car (that is, immediately after purchase).
Policyholder's passport. If you are not the owner of the car, then you will need both the owner’s passport and yours.
Application for a CASCO policy. You either arrange it on the spot or yourself. We recommend that you fill out everything in full compliance with the requirements of the insurance company with which you are taking out the policy.

You should check with the company you contact for additional requirements for obtaining insurance.

Here is a complete list of what they may ask:

diagnostic card (if the car is not new);
purchase and sale agreement (if the car is new);
power of attorney (if the car is not insured by its owner);
rental agreement (for insurance of cars rented or leased);
cost examination (for used cars);
old policy (if CASCO insurance is not issued for the first time);
information about additionally installed equipment (security systems, etc.);
documents of a legal entity (if the car is insured by the company).

This list varies depending on the insurance program you choose, the rules and requirements of the company you contacted. Nowadays it is common to apply for a CASCO policy online. This requires significantly fewer documents (only a passport and driver's license).

CASCO for legal entities

Everything here is also individual, although the main list of documents for car insurance coincides with those needed for private registration. As a rule, legal individuals apply for CASCO insurance for several cars at once. It is worth considering that if a person who does not work for the insurance company was driving at the time of the accident, then the incident is not counted.

Cost of MTPL and CASCO insurance

The price of the policy is determined individually for each policyholder. It depends on your driving experience, type of insurance (open or closed), age of the vehicle, validity period and other factors. The policy can be issued for different periods, the most common is 1 year. Most often, you can pay for annual insurance in installments.

Documents for MTPL in 2019 - what documents are needed for MTPL. Rules and procedure for registration

As soon as you buy a car that suits your taste, you can’t fully get behind the wheel right away. Once a vehicle is purchased, the driver is automatically responsible for registering and insuring his or her property.

In order to register a car, you must first take out MTPL insurance, but no later than 10 days after purchase. The Federal Law of April 25, 2002 No. 40 – Federal Law informs us about this.

When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. (as amended by Federal Law dated July 1, 2011 N 170-FZ)

Part 2 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

Consequently, you can drive solely on the purchase and sale agreement, and rewrite it every 10 days, but this is not enough for full ownership of the vehicle.

List of documents required for obtaining MTPL insurance in 2019

According to the rules for issuing an MTPL policy, from April 1, 2015, in order to insure your movable property, you must enter into an agreement with the insurer.

Compulsory insurance is carried out by vehicle owners by concluding compulsory insurance contracts with insurers, which indicate the vehicles whose owners' civil liability is insured.

Part 1 of Article 15 of the Federal Law of April 25, 2002 No. 40 - Federal Law

If you purchased a car for the first time, you probably have a question: what documents are needed to apply for an MTPL policy in 2019? In order to answer this question, we turn again to the relevant legislation.

To conclude a compulsory insurance contract, the owner of the vehicle submits the following documents to the insurer:

a) application for concluding a compulsory insurance contract;
b) passport or other identification document (if the owner of the vehicle is an individual);
c) an extract from the unified state register of legal entities on the state registration of a legal entity (if the owner of the vehicle is a legal entity);
d) a registration document issued by the body carrying out state registration of a vehicle (certificate of state registration of a vehicle or certificate of registration of a car), or a passport of a vehicle or a passport of a self-propelled vehicle and other types of equipment when concluding a compulsory insurance agreement before the state registration of a vehicle;
e) a driver’s license or a tractor operator’s (tractor driver’s) license, a temporary license for the right to drive self-propelled vehicles, or a copy of one of the specified documents in relation to persons authorized to drive a vehicle (if the compulsory insurance contract is concluded with the condition that the driver only certain persons are allowed to drive the vehicle);
f) a diagnostic card containing information on the vehicle’s compliance with mandatory vehicle safety requirements (except for cases where, in accordance with the legislation in the field of technical inspection of vehicles, the vehicle is not subject to technical inspection or is not required, or the procedure and frequency of technical inspection inspection are established by the Government of the Russian Federation, or the frequency of technical inspection of such a vehicle is six months, as well as the cases provided for in paragraph 3 of Article 10 of this Federal Law), or a certificate of technical inspection for tractors, self-propelled road-building and other machines ( except for cases where regulatory legal acts in the field of technical inspection of tractors, self-propelled road construction and other machines do not require technical inspection of such machines);
g) a document confirming the ownership of the vehicle (if the compulsory insurance contract is concluded in relation to an unregistered vehicle), or a document confirming the ownership of the vehicle (if the compulsory insurance contract is concluded in relation to a rented vehicle).

Part 3 of Article 15 of the Federal Law of April 25, 2002 No. 40 - Federal Law

Required documents to obtain an MTPL policy for a car in 2019 for individuals:

Statement. You will write it to the insurance company;

Passport of a citizen of the Russian Federation of the owner of the car;

Valid driver's license;

Valid technical inspection (diagnostic card);

Power of attorney if the car does not belong to you.

The list of documents for individual entrepreneurs is no different from documents for individuals. There is no need to provide any additional information.

What do legal entities need to obtain an MTPL policy in 2019:

Power of attorney for the right to represent the interests of the company;

Certificate of state registration, Unified State Register of Legal Entities, INN;

All documents that you submit must not be expired, otherwise you will not be able to issue a policy. Also, if you have an MTPL policy from the previous owner, take it with you, this will facilitate and speed up the process of obtaining a new policy.

Procedure for registration of compulsory motor liability insurance in 2019

The basic procedure for applying for a policy consists of several points, following which you can save a lot of money on the policy.

Initially, you should decide which insurance company is best to apply for compulsory motor liability insurance. To do this, you can read reviews.

Next, we collect all the documents into one folder.

Let's go to the office.

We get car insurance.

When applying for compulsory motor liability insurance, you should know that insurers are also interested in selling you additional services. Therefore, you should carefully check what you are given to sign.

After completing all the manipulations, you should have the following documents in your hands:

All your personal documents;

The original policy, which bears your and the insurer’s signatures, the seal of the insurance company and a special state sign of the established form;

A set of MTPL rules that must be read;

Two copies of the accident notice. If they are not enough for the insurance period, then you can contact the office where you issued the MTPL and ask for more;

Payment receipt issued by the insurer;

When you receive all the documents, do not forget to check them. The insurer's representative may have accidentally made a mistake when filling it out.

If an employee asks you to dictate the data yourself, then this company is not working honestly; according to the registration rules, the representative is obliged to indicate data from official documents. The same applies to those employees who suggest reducing the car’s power and increasing driving experience.

Rules for filling out an MTPL policy

There are no special rules established by Russian legislation. But when filling out the form, you should follow one unspoken rule - each paragraph must contain relevant information.

In addition, the OSAGO form is an official document, therefore, it must necessarily contain the following information:

Signature of the insurance company representative;

Date of conclusion of the contract.

The form can only be filled out on a computer.

Any corrections in the forms are unacceptable, therefore, if an error was discovered during the check, you should immediately reissue it, otherwise the policy will not be valid.

That's all the information regarding filling out OSAGO forms. Don’t forget your documents and check your policy without leaving the cash register.

What documents are needed to apply for compulsory motor liability insurance?

The content of the article

What documents are needed to apply for compulsory motor liability insurance?
How to sell insurance
How to insure a car in 2017

Registration of compulsory motor liability insurance by individuals

To apply for an MTPL policy, you must have a passport with you. If you are insuring a car for the first time or have changed insurance companies, the employee has the right to make a photocopy of the passport for further storage in the archive.

The MTPL policy is filled out on the basis of the presented documents for the car - PTS or vehicle registration certificate, which must contain registration marks. If this mark is not present, then you can insure the car by taking out a transit compulsory motor liability insurance policy.

Since 2013, a mandatory document for compulsory motor liability insurance is a vehicle technical inspection certificate. It must not only be valid, but also be valid for at least six months after the date planned for issuing the MTPL policy.

The insurance company employee must also provide the driver's license of all drivers who will be included in the insurance and allowed to drive a vehicle. The experience and age of drivers directly affects the cost of an insurance policy. If desired, you can apply for compulsory motor liability insurance with an unlimited number of drivers. In this case, a special note is made in the corresponding column of the policy.

Since 2014, many insurance companies have refused to issue compulsory motor liability insurance policies. This is primarily due to the unprofitability of this type of insurance. If the insurer refuses to issue you a policy, ask for the reasons for the refusal and ask to put them in writing.

Additional documents for MTPL

In addition to the required documents, when concluding an MTPL policy, you can provide additional ones. For example, if you have a policy from another insurance company, the employee can take into account the coefficient specified in it to calculate the new cost. Providing a certificate may affect the calculation of the insurance policy premium. If there are paid damages, the price increases, and if they are not paid, it decreases.

Some insurers additionally request a clean driving record from your previous insurance company. This is not necessary. An employee can independently request this information without your participation.

If the car does not belong to you, then to register compulsory motor liability insurance you need to present a power of attorney to an employee of the insurance company. Please note that the text of the document must include a note stating that the owner trusts you not only to drive the vehicle, but also to conclude the relevant insurance contracts. In the General Power of Attorney, all these points are prescribed without fail.

List of documents for legal entities

If you insure a car on behalf of a legal entity, then in addition to the technical inspection coupon, PTS or registration certificate, you must present to the insurance company employee the organization's TIN and a power of attorney in your name, which will confirm your right to represent the interests of the company. All documents must be certified by the seals and signatures of the persons who issued them.

Documents for registration of compulsory motor liability insurance in 2019

After purchasing a vehicle, within 10 days, you must take care of obtaining an MTPL insurance policy. Below we will discuss what documents will be required to insure a car under compulsory motor liability insurance in 2019. We will talk about documentation for individuals, for legal entities and in the case of issuing an electronic policy via the Internet.

Normative base

An MTPL insurance policy is issued at the initial stage after purchasing a vehicle, before its registration. This must be done within 10 days after the buyer has completed the transaction. This rule is regulated by Federal Law No. 40, Article 4, Clause 2.

If necessary, in 2019 it is possible to issue not a standard OSAGO policy, but an electronic one. This possibility is specified in Article 15 of the law on compulsory motor liability insurance. An electronic policy has a similar structure to a paper document. Its image can be transmitted by all means of communication, as well as printed.

Necessary documents for registration of compulsory motor liability insurance for individuals

In order to obtain a compulsory MTPL insurance policy for a vehicle, a motorist must select a suitable insurance company. However, remember that each company has the same requirements for the package of documents. In 2019, you will need to prepare the following papers:

Statement. As a rule, you can arrange it directly with the insurance company. It is recommended to ask specialists for a sample to avoid any problems.
A document that proves identity, that is, a passport.
Technical passport of the vehicle, PTS or STS.
A current driver's license of the owner of the vehicle or the person taking out the insurance.
Power of attorney if the vehicle does not belong to the applicant.
Current technical inspection of the vehicle.

Necessary documents for the purchase of compulsory motor liability insurance by a legal entity

The list of documentation for an individual entrepreneur is no different from the list of documents for individuals. No additional information will be required.

If the applicant represents a legal entity, for example, an LLC, the following documents will be required in 2019:

Vehicle registration certificate or STS.
Valid technical inspection.
A power of attorney, which grants the right to represent the interests of the company.
Certificate of state registration of the company, INN, Unified State Register of Legal Entities.
Company's stamp.

Please note an important point: each document from the list must be valid and up-to-date, this applies to both individuals and legal entities. Otherwise, the applicant simply will not be able to obtain an insurance policy. A good idea is to take your previous car insurance policy with you. This will help speed up the process of registering a new MTPL.

Step-by-step registration instructions

The algorithm for obtaining an MTPL insurance policy is quite simple. It consists of several points, after analyzing and completing which the motorist can significantly save wasted time, as well as money.

At the initial stage, you need to choose an insurance company. To do this, it is recommended to read reviews, as well as study the ratings of companies in the city or region. In this case, it is worth taking into account all the nuances, because if the applicant encounters a difficult situation on the road, he will have to interact with the organization.
You will need to collect the entire list of documents listed above.
The next step is to visit the company’s representative office. Here you can get advice on all issues related to MTPL insurance.
Filling out an application for an MTPL policy. in 2019, you will need to give the documents to a specialist and wait for the stated deadline for producing the insurance.
Getting car insurance. Done, now the driver can drive a vehicle without problems and not be afraid for his civil liability to third parties.

At the time of issuing an insurance certificate, you need to know that company representatives are interested in imposing additional services on you. Therefore, you need to read the contract that is offered for signature very carefully so as not to agree with the service that is completely unnecessary.

Completing the MTPL insurance policy

There are no specific rules and recommendations regulated by Russian legislative acts. However, when filling out the form, you must be guided by an important point: each paragraph must contain reliable information.

We must not forget that the MTPL insurance certificate form is an official document, which means it must contain the following information:

Signature of the insurance representative.
Company seal.
The applicant's signature is the same as the vehicle owner's signature.
Date of document execution.

An MTPL insurance policy can be issued either by hand or using a computer. Recently, the second method has become more and more widespread, but there is nothing surprising in the first. In addition, it is not prohibited by law. Regardless of the registration method, it is important to understand that any corrections in the forms are unacceptable, so if any error or inaccuracy is discovered, it will need to be reissued immediately. Otherwise, the insurance certificate may be invalid.

An important point to remember: if a representative of an insurance company asks the applicant to dictate information on his own, then this organization may be working dishonestly. According to the registration regulations, the representative is obliged to indicate the data that is specified in the official documentation.

What documents does the insurance company issue?

After all steps to obtain an MTPL insurance certificate have been completed, a representative of the insurance company in 2019 must provide the following documentation:

All personal documents that the client provided for registration.
The original insurance certificate policy, where there is a stamp, signature and a special state sign that meets the requirements of the established sample is visible.
A set of rules for the MTPL insurance certificate that you will need to study.
Notification of a traffic accident in two copies. If this amount is not enough, the motorist can always come to the insurance company’s office and ask for more.
Memo.
Receipt for payment for the service.

Each document that the applicant receives in his hands must be carefully checked. This is necessary in order to identify possible errors and inaccuracies made by the insurance company’s representative in OSAGO, which happens quite often. Remember that it is better to correct the error immediately than to come to the office later to eliminate it.

Required documents for online purchase of MTPL for individuals

In order to issue an MTPL policy to an individual electronically, the following package of documentation will be required:

Passport of the vehicle owner, as well as an identification document of the person who insures the car.
Vehicle technical passport or certificate of ownership.
Driving license for persons who will be included in the electronic certificate.
Diagnostic card, which confirms the current technical inspection. To fill out an electronic application, you must indicate the number, as well as the start and end date of the validity period. Please note: if the vehicle is less than 3 years old, a technical inspection card will not be required.

What does a person who wants to issue an electronic MTPL policy need to know? He will not need the original papers. All you need is reliable information about them. Therefore, copies of documentation or scans of images will be sufficient.

All information provided in the application will be automatically verified against electronic registers.

Necessary documents for online registration of compulsory motor liability insurance for legal entities online

In order to issue an electronic MTPL policy for an organization, you need to collect the following package of documents:

Certificate of registration of the vehicle or vehicle passport.
Company registration certificate.
TIN.
Data obtained from the Unified State Register of Legal Entities.
Vehicle diagnostic card.
Power of attorney from the company management for the employee who represents it.

Step-by-step instructions for applying for electronic MTPL

As mentioned above, the electronic policy has a similar structure to the paper counterpart of OSAGO. In order to register, you will need to use the following algorithm:

Find a suitable insurance company
Go through the registration process on the company’s website and open a personal account. To do this, you will need to have an email address to receive your login and password. The password can be provided via SMS, email or in person.
When registering at the initial stage, your full name, passport data, date of birth, address and telephone number are entered into the database. Only after this the applicant will receive a password that will replace the signature.
Once the client has completed the registration process, they will need to start filling out the form. It contains information about the policyholder, the owner of the car, if it is another person, as well as about the vehicle. All information is checked against the OSAGO database. If everything is in order, information about the amount of payment, as well as possible ways to make it, will be sent to your personal account. If an error was made in the data, a notification of inaccuracy will be sent by email.
Payment for the electronic certificate is made. This procedure is carried out at the final stage of registration. You can pay using electronic money, bank card, bank transfer, terminal, as well as other payment systems. It is also possible to pay in cash. To do this, you will need to contact the company office.

What documents does the insurance company issue when applying for electronic MTPL?

After the form is filled out and insurance is paid, the document file will be sent to the specified email. All copies of the policy will be saved in your personal account on the insurance company’s website. Also in 2019, you can get a traditional OSAGO policy in paper form. It is sent by mail to the designated address; this service will need to be paid separately.

Presentation of e-MTPL to a traffic police officer

After the applicant has received a file with an electronic MTPL policy, he will need to print it out to present the electronic MTPL policy to a traffic police officer in the event of a vehicle stop. In order to check the insurance certificate, you view a special service service in which the license plate number of the car is entered. The SAR database can also be used.

Often, those drivers who issue an electronic MTPL policy have a question: why was it necessary to issue a virtual certificate if it still needs to be printed? The ability to issue an insurance certificate using the Internet was created for the convenience of purchasing insurance and to relieve the burden on insurance companies.

Therefore, you should not perceive the electronic OSAGO certificate as virtual documentation. Only the process of obtaining it remains virtual, but the document itself must be real. The driver should definitely carry a paper copy with him so as not to encounter possible problems from traffic police officers. This is established by the rules of the road. Each driver is required to carry with him and provide for verification a compulsory motor liability insurance policy in physical form.

Documents for issuing an MTPL policy

Before you go to the insurance company, you need to prepare several documents. What should you take with you?

To conclude a compulsory motor insurance agreement (electronic MTPL), the vehicle owner submits the following documents to the insurance company:

application for concluding a compulsory insurance agreement in the approved form (issued by a representative of the insurer);
passport or other identification document (if the policyholder is an individual);
a document confirming the registration of the vehicle specified in the application (vehicle passport, vehicle registration certificate, technical passport or similar document);
inspection certificate;
a driver's license (or a copy thereof) of the person/persons authorized to drive the vehicle, as well as documents confirming the driver's right to drive the vehicle (if the compulsory insurance contract is concluded with the condition that only certain persons are allowed to drive the vehicle);
previous compulsory insurance policy (if available).

Note: Please remember that you are responsible for the completeness and accuracy of the information and documents provided to the insurer and specified in the application.

Documents issued to you upon conclusion of the contract:

the original insurance policy, signed by you and a representative of the insurer (the insurer's seal is required) and a special state-issued sign;
set of MTPL rules;
two copies of the accident notice;
memo to the policyholder;
receipt of funds received from you.