OSAGO for foreign cars in Russia

Insurance of cars registered abroad

Insuring a car with foreign license plates in Russia is a process regulated by law. Knowing the established rules will help you avoid any sanctions.

Who needs this kind of insurance?

Here are the most common situations.

A non-resident plans to stay in the Russian Federation for a long time and use a car registered abroad.
A citizen of another state crosses the territory of the Russian Federation in transit in his car.
A resident has purchased (received for temporary use) a car abroad and is going to use the car without changing its “registration”.

The need to obtain insurance applies to all vehicles registered outside of Russia, with the exception of cars of diplomatic embassies and consulates.

Buy OSAGO online – easy ordering and price comparison

What is the procedure for car insurance?

In the first two cases (crossing the border by a non-resident), it is necessary to obtain temporary import of a car for a period of three months.
Purchase a Green Card, which is valid for 15-365 days. This insurance can be purchased at any customs terminal or at the office of any insurance company.
When applying for a short-term Green Card, but during a longer stay on the territory of the Russian Federation, you should issue an MTPL policy for cars registered abroad.

Alternatives

Some Russian insurance companies have representative offices abroad. By contacting them, you can take out a Russian-style MTPL policy. In this case, a Green Card is not required.
Motor vehicle insurance is also issued directly at the border, but in such cases, insurance agents often inflate the cost of the policy. There are also frequent cases of sales of policies by dubious “companies”, which turn out to be scammers.
Instead of purchasing an MTPL policy, you can cross the state border again and activate a new Green Card.

Documents required for registration of compulsory motor liability insurance

Vehicle registration documents and their notarized translation.
International passport of a foreigner.

The most pressing question: “Do I need to undergo a technical inspection?” According to current legislation, the rules for issuing an MTPL policy apply not only to Russian cars, but also those registered abroad.

When purchasing or renewing a Green Card, a maintenance coupon is not required. Upon expiration of the international motor vehicle policy, you can extend this insurance. Another option is to conclude an MTPL agreement for a longer period (with presentation of a maintenance coupon).
To issue an MTPL policy for a period of 15-365 days, a Russian-style diagnostic card or a maintenance ticket of the state where the car is registered is required. The coupon must be properly translated into Russian and certified.

How much does a compulsory motor liability insurance policy for foreign cars cost?

The cost of the MTPL policy is calculated individually for each car and depends on a set of parameters. The formula used for calculations is:

base cost * term * engine power

Thus, the basic annual insurance rate for a passenger car registered in any country in the world is 1,980 rubles .

In addition to changeable parameters, there are fixed ones - the territory of use and the number of persons allowed to drive the vehicle. To calculate the cost, you need to multiply the base tariff twice by 1.7.

Total – 5,722.20 rubles .

The indicated basic price is valid for cars of category B. There are no restrictions on the number of drivers. The basic cost of the policy for legal entities, excluding engine power factors and the insurance period, is 7,267.50 rubles .

Insurance of a foreign car upon entry into Russia (green card and compulsory motor liability insurance)

Good afternoon, dear reader.

This article will focus on insuring cars temporarily entering the territory of Russia.

Currently, there are 2 possible ways to solve this problem: purchasing a green card and purchasing a Russian OSAGO policy . This article will look at the advantages and disadvantages of each of these methods.

Green card for entry into Russia

A green card is an insurance policy that allows you to travel to the following countries:

An important feature of this policy: you can buy a green card only in the country where your vehicle is registered .

For example, when entering Russia from Ukraine, a green card can only be purchased in Ukraine.

Another example. Kazakhstan is not included in the list of countries participating in the agreement. Cars registered in Kazakhstan cannot obtain a green card. They are left with only the option of purchasing compulsory motor liability insurance, which will be discussed below.

Another feature of the green card: this policy is valid in all the countries listed above. Those. By purchasing a green card once, you will be able to move around 47 countries.

Advantages of a green card:

you can buy in your city;
operates in several countries at once;
the purchase is carried out in accordance with the legislation to which the driver is accustomed;
the cost is often lower than purchasing compulsory motor liability insurance for the same period.

Disadvantages of a green card:

it is impossible to buy on the territory of Russia (if the policy expires while traveling around Russia, you will have to buy compulsory motor liability insurance);
Only citizens of the 47 countries listed above can purchase a green card.

The cost of a green card in 2019 is set by each country independently.

For example, for a passenger car entering Russia from Ukraine, the cost of a green card will range from 1,100 rubles (for 15 days) to 5,000 rubles (for 1 year).

For a passenger car from Belarus entering Russia, the cost will range from 600 rubles (for 15 days) to 6,000 rubles (for 1 year).

Attention . Prices are given as an example. They depend on exchange rates, so in practice they can change daily.

OSAGO for a foreign car

Unlike a green card, an OSAGO policy can only be issued on the territory of Russia .

The cost of an MTPL policy depends on the power of the car and the period for which the document is issued. You can calculate the cost yourself using a special calculator:

For example, for a foreign car with a 75 hp engine. the cost of an MTPL policy will range from 2,600 rubles (for 15 days) to 13,100 rubles (for 1 year). For cars with more powerful engines the cost will be higher.

Please note that a valid technical inspection is required . If the car owner does not have a diagnostic technical inspection card, then he will have to undergo a technical inspection in Russia. This will entail additional costs in the amount of 500 - 1000 rubles.

Advantages of an MTPL policy for a foreign car:

can be purchased by a car owner from any foreign country;
can be purchased in Russia (if the green card has expired).

Disadvantages of the MTPL policy:

The cost is higher than the green card.
A technical inspection is required.
Valid only in Russia (if a car owner plans to visit other countries, he will have to buy an analogue of OSAGO in each of them).

What is a green card for?

1. First of all, insurance is purchased in case of a traffic accident . If the driver causes an accident, the damage (the cost of repairing another car) will be reimbursed by the insurance company.

Please note that the green card only insures liability towards other drivers, i.e. It is impossible to repair your car under this insurance.

If a foreigner causes an accident, the insurance company will pay for the repair of other people’s cars, but you will have to repair your own car yourself.

If the culprit is another participant in the incident, then the repair of the foreign car is carried out at the expense of the culprit’s insurance company.

2. Also, having an insurance policy allows you to avoid fines for lack of insurance.

Important note. The amount of payments in the event of a traffic accident does not depend on which policy the foreign driver will use, a green card or compulsory motor liability insurance.

Let's summarize . The cost of a green card is lower than the cost of purchasing compulsory motor insurance. In addition, it is more universal, because operates simultaneously in several countries. Therefore, other things being equal, I recommend that foreigners buy a green card in advance. Well, use the MTPL policy only if it is impossible to buy a green card.

In conclusion, let me remind you that the fine for lack of insurance is currently 800 rubles.

OSAGO for foreign citizens

9,265 views 0 03/12/2019 OSAGO, OSAGO policies

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Every motorist in the Russian Federation is required to purchase a compulsory OSAGO form, thanks to which he will protect his civil liability in the event of an insured event. At the same time, the procedure for issuing compulsory motor liability insurance for foreign citizens in Russia does not differ significantly from the one approved for drivers with Russian citizenship. Let's consider in what case a foreign driver should purchase compulsory motor liability insurance, how to do it and what documents need to be prepared. We will pay special attention to how to buy real-time protection.

Does a foreigner need car insurance in Russia?

Within the framework of the current law, every driver is obliged to travel on the territory of the Russian Federation with a compulsory motor liability insurance policy. Foreign citizens crossing the border must fulfill all legal requirements, namely, issue a mandatory protection form. Otherwise, traffic police officers may impose penalties.

Do not forget that if such a driver is at fault for an accident, then all costs of restoration repairs will be at his own expense. Therefore, you should not take risks and immediately take care of your protection when crossing the border. At the same time, a foreigner can buy a compulsory motor liability insurance policy form in advance via the Internet. We’ll look at how to do this below in the article.

When necessary

If a foreigner plans to stay in the Russian Federation for no more than 15 days, then he can limit himself to purchasing a Green Card. Otherwise, you will need to buy protection for the required period.

Is a technical inspection required?

As for the technical inspection or diagnostic card form, as it is called now, this document is not required. This condition is an undoubted advantage for foreigners. Foreign drivers, within the framework of their law, check the car for technical condition only upon purchase.

What does the law say?

According to Federal Law 40 “On compulsory motor third-party liability insurance”, every motorist is required to buy compulsory motor insurance. Those drivers who violate the conditions will be held accountable:

fine in the amount of 800 rubles
payment of damage to the victim if the policyholder without compulsory motor liability insurance is the culprit

As for citizens of a foreign state, similar liability is provided for them. This right is approved at the legislative level in the Civil Code, Article 1186 and 12.

Therefore, a foreign citizen must understand that in the event of an accident he will have to:

compensate for the damage caused to life and health
pay for repairs to all victims
pay moral compensation (if payment occurs in court)

What is the price

As for the cost, it is determined personally for each driver. However, the cost depends on various factors. It is important to note that every foreign car enthusiast can buy protection for a period of 15 days to 1 year.

Approximate cost of insurance at base rate 3432:

It is important to take into account that, as Russian car enthusiasts, foreigners cannot extend the term of the contract to 1 year if it was originally purchased for a shorter period. Thus, if the contract was purchased for 6 months, after the specified time the car owner will have to draw up a new contract for the required period and pay for it according to the current tariffs.

What is taken into account when calculating

When calculating the insurance premium, the insurance company manager takes into account such parameters as:

horsepower
age and experience of the driver
period of use

List of documents for foreigners

For registration, you need to prepare documents. It is important to note that the full list is clearly stated in the rules, which can be downloaded for free on the official portal of the RSA or the Central Bank. Having studied them, it will become clear that the list of documents for individuals and legal entities is slightly different.

Individuals

Individual citizens who are not residents of the Russian Federation are required to present the following package of documents:

car owner's passport
car document confirming ownership
driver's license, in this case an international standard, preferably with a translation

Legal entities

Legal citizens are required to provide:

vehicle passport
confirmation of state registration of the company
power of attorney for an employee who deals with insurance

Since insurance is issued on the condition that “an unlimited number of persons are allowed to drive,” you do not need to present a driver’s license.

Problems when applying for compulsory motor liability insurance by foreigners

It is important to note that foreign car enthusiasts often face several problems.

If a foreign motorist encounters such problems, it is necessary to defend their rights and file a complaint with:

RSA
central bank
Rospotrebnadzor

All of the listed institutions monitor the activities of insurance companies and help obtain a contract quickly and without additional products, even for citizens who are registered outside the Russian Federation.

Liability for an uninsured vehicle

As already mentioned, when crossing the border, foreign drivers are required to comply with Russian laws, namely, fill out a mandatory OSAGO protection form. There are two penalties for his absence:

Design and features

All car enthusiasts can make a purchase in real time.

Features of electronic MTPL:

lack of additional services
registration at any convenient time
the client chooses for how long to issue compulsory motor liability insurance
payment is made by card or e-wallet
some large companies propose to make changes to the current MTPL agreement in real time
there is no need to present the vehicle for inspection
saving personal time
payment limits are the same, as under an agreement drawn up in the office

As for registration, the purchase procedure is very simple and consists of several simple steps:

owner's personal data
car characteristics
data of drivers who will be allowed to drive
insurance period
diagnostic card form number

The entire registration procedure, in most cases, takes no more than 30 minutes.

OSAGO calculator online

To calculate your insurance premium, we recommend using the convenient calculator on our website. To obtain information, it is enough to indicate the minimum data, namely:

vehicle make and model
year of issue
insurance period (for how many months)
region of registration and registration of the car owner
contract validity date
driver data: date of birth, license number and length of service

data is provided completely free of charge
You can generate a quote 24 hours a day
Your attention will only be offered by large companies with offices in the region where you are located.
product registration, after payment, takes place on the official website of the insurer
If you wish, you can always save the calculation and continue the registration procedure later

In conclusion, it is worth noting that foreign citizens staying on the territory of the Russian Federation are required to insure their liability. At the same time, you can buy compulsory motor insurance not only in person, but also via the Internet. Otherwise, the uninsured driver will be fined or compensated for damages if he is at fault in an accident.

Compulsory motor liability insurance for foreign citizens

Foreigners who cross Russian borders in their own car are required to take out an MTPL policy. Purchasing insurance is necessary if the owner of the vehicle plans to live in Russia for a long time. For one year, a motorist from another state can use the car and not pay taxes. Online MTPL insurance for foreign citizens can significantly save time and nerves, since they do not need to visit the insurance company’s office in person. The policy registration procedure is carried out via the Internet.

Features of issuing an MTPL policy for foreigners

The MTPL policy is issued to foreign citizens for any period - 15 days, 1, 3, 6 months, 10 months - 1 year. The vehicle cannot be used in commercial activities and the right to drive it cannot be transferred to other persons who are not listed in the insurance list. The certificate is calculated based on several factors:

engine size and horsepower;
period of operation of the car in the Russian Federation;
age and driving experience of the car owner.

You can buy an MTPL policy on favorable terms in a short time from the Element insurance company. To make it easier to calculate the cost of a document, you can use an online calculator. The agency specializes in insurance for foreign citizens and offers qualified consulting support. To obtain insurance for non-resident drivers of Russia, it is necessary to prepare a number of documents - a passport, a vehicle ownership certificate, a driver’s license.

If compulsory motor liability insurance is issued to a legal entity, then you will need to present a title, a certificate of state registration of a foreign organization, and a power of attorney for the right to drive a car. Insurance for non-residents of the Russian Federation who come to the country with their own cars is mandatory for everyone, with the exception of diplomats and consuls.

By taking out MTPL insurance via the Internet, the user takes advantage of a wide range of advantages of this service. First of all, there is no need to sign up for additional services, which are often imposed by insurance company specialists in their offices. Moreover, you can pay the cost of the policy by card or through an electronic wallet. The certificate is issued at any time convenient for the client.

Should foreigners take out MTPL insurance in Russia?

Regardless of the purpose of the visit, when crossing the border with Russia in a personal car, foreign residents must take into account the subtleties of the rules for operating vehicles adopted in the country. Taking out car insurance when entering Russia will save the nerves and money of guests, and will also help to avoid violations of the law, because the rules are the same for everyone.

Does a foreigner need car insurance in Russia?

The Code of Administrative Offenses of the Russian Federation states that every driver must have an MTPL policy. This rule also applies to guests of the state who cross the border in a personal car.

Exceptions to these rules are cars of consulates and diplomatic missions, because their management allows for the absence of a compulsory motor liability insurance policy.

When is compulsory motor liability insurance required for cars registered abroad?

The need to obtain a policy for guests of the country arises under the following circumstances:

prolonged stay in Russia of vehicles with foreign license plates;
vehicle transit through the Russian Federation;
acquisition of a car registered abroad and its subsequent operation without changing registration.

There are slight differences between situations. A foreigner may not plan to spend more than two weeks in the Russian Federation or may have arrived in the country for a long period of time.

In the first case, you need to purchase a Green Card in your country. It is an analogue of international car insurance and allows a car with foreign license plates and registration to enter and be protected for a short time.

If you plan to stay in Russia for a long time, in order not to break the law, you need to purchase a compulsory motor liability insurance policy for this period.

If you ignore this rule, you may find yourself fined by a traffic police officer in the amount of 800 rubles.

What the law says

Purchasing an MTPL policy is a mandatory procedure for every motorist and is regulated by the Code of Administrative Offenses of the Russian Federation. This also applies to residents of other countries located in Russia. Citizens who do not comply with the requirements prescribed by the rules will be held accountable.

Is a technical inspection required?

A significant advantage for foreigners crossing the borders of Russia is the absence of mandatory registration of a diagnostic card form, therefore, they do not need it. Vehicle drivers living in other countries diagnose the technical condition of their vehicle only at the time of purchase.

What is taken into account when calculating

The same tariffs are established for both Russian citizens and foreign residents.

When contacting an insurance company, a representative of another country must provide the following information to the manager to calculate the insurance premium:

age;
driving experience;
driving history (participation in an accident);
place of registration;
car power;
period of use (seasonality).

List of documents for foreigners

The policy is issued only after all necessary documents have been prepared, both for citizens and non-residents of Russia. A package of papers must be submitted to the organization chosen by the citizen. You can find out the full list of required documents by downloading the rules on the RSA website. Thus, a significant difference between the list of documents for individuals and legal entities becomes noticeable.

It happens that a citizen of the Russian Federation who has a policy expresses a desire to include in it a relative who has come to visit him from abroad for a while. To implement such a plan, the latter only needs to present a passport confirming his identity.

Individuals

To obtain insurance, non-residents of Russia who are individuals must prepare the following documents:

ID card (passport, migration card, residence permit);
international driving license (must have a translation);
registration certificate;
vehicle ownership document.

The inspection document received at the time of purchase of the vehicle must be translated into Russian and certified by a notary.

Legal entities

Registration of an insurance policy is mandatory for foreign enterprises and organizations carrying out business activities on the territory of the state. They have a fleet of vehicles at their disposal, which are in constant use. They enter into an agreement with an insurance company to protect themselves from having to bear liability to third parties.

OSAGO for a company is issued through an attorney who provides the following papers:

a power of attorney bearing the company seal and issued in the name of the employee;
documents confirming state registration;
registration certificate;
inspection card.

It makes no sense to provide a driver's license, because... The contract contains a condition for allowing several persons to manage at the same time.

Problems when registering compulsory motor liability insurance for foreign citizens in Russia

When applying for international insurance to enter Russia before starting a trip, foreign citizens often encounter similar problems:

Unreasonably high cost of the policy. This fact is explained by increased tariffs for citizens of other countries at the legislative level.
Unwillingness to serve clients. Insurance company employees ignore the request to issue a policy and justify their refusal by the lack of forms or a long waiting period. There are always forms for foreign citizens, too. they are uniform, and registration is carried out on the day of application.
Selling unnecessary services. To residents of other countries who do not know the law, employees sell additional services that were not necessary to purchase. This increases the overall cost of it.

Those who find themselves in such situations should contact Rospotrebnadzor, the Central Bank or RSA, because These institutions monitor the activities of insurance organizations to exercise control and assist those who file complaints.

Liability for an uninsured vehicle

If traffic police officers identify the absence of a policy, the owner is issued a fine established by law. Its size is 800 rubles.

In a situation where a foreign driver causes an accident, and he does not have an insurance policy, he will compensate for the damage to all injured parties (material and moral) at his own expense.

Registration and features of car insurance when entering Russia

Citizens of the Russian Federation have the opportunity to purchase a policy in several ways, but for foreigners there is only one - electronic compulsory motor liability insurance. The advantages include:

literally 20-30 minutes of time are spent on registration;
the client has the opportunity to independently choose the validity period;
the risk of imposing additional services is reduced to zero;
there is no need to present the vehicle for technical inspection;
Payment for the policy occurs online, for which you can use electronic money or bank transfer.

The filling procedure consists of several stages. Initially, you need to select an insurance organization where the driver will undergo the appropriate procedure to obtain a policy.

Generating a calculation using a calculator on the website of the organization chosen by the driver. It allows you to determine the cost in a couple of minutes absolutely free.
Registration on the official website of the selected organization.
An electronic application indicating personal data (information about the car, diagnostic form number, duration of insurance, information about the drivers who will also drive the car, personal data of the owner).
Make a payment using an electronic card or wallet and receive a contract.

Registration deadlines

Unlike residents of the Russian Federation, who have a period of 10 days after purchasing a vehicle to register it and purchase a policy, a different scheme applies to foreigners.

If you had a Green Card at the time of entry into the country, you should purchase an MTPL policy the next day after its expiration date.
Foreign citizens have the right to take out an auto liability insurance policy for a period of 15 to 365 days.

Policy cost

The amount is calculated using a formula that is the product of the basic indicator with additional coefficients. Their value adjusts the cost of the policy.

Tariffs are the same, but coefficients may change. The more experienced and older the person, the lower the coefficient, because an experienced driver is less likely to get into an accident. It determines the size of the vehicle even more than the seasonality factor.

Indicators that are multiplied by each other:

base rate;
vehicle power (horsepower);
period of insurance coverage;
experience and age;
number of drivers;
accident history;
car registration place.

The calculation algorithm is the same for everyone and does not depend on the country of vehicle registration, therefore, for a Ukrainian or Kazakh, the cost of compulsory motor liability insurance is calculated in the same way as for residents.

There are no exceptions or benefits for citizens of other countries when taking out an MTPL insurance policy. There are also no restrictions, therefore, if, when contacting the office of the insurance company, employees offer to wait a month or tell you to contact later due to the lack of special forms, you can go to the supervisory authorities and demand justice.