OSAGO for Ukrainian cars in Russia

How to obtain compulsory motor third party liability insurance for foreign citizens in 2019

Cars with foreign license plates are no longer uncommon on Russian roads. Trade, tourism, business connections are the main reasons why foreign cars cross the borders of the Russian Federation. Drivers of such foreign cars should carefully study the rules for operating vehicles in Russia, including the procedure for obtaining compulsory motor vehicle liability insurance for foreign citizens.

Does a foreigner need car insurance in Russia?

According to the current law, every driver driving a vehicle in Russia is required to have a compulsory motor third party liability insurance policy - OSAGO.

At the same time, such a factor as the lack of Russian citizenship is not a reason to cancel the requirement for car insurance. In other words, a driver who enters the territory of Russia in a car with foreign license plates must have (or enter into) a compulsory motor liability insurance policy.

The need to obtain an MTPL policy in Russia for foreigners usually arises in the following cases:

long-term stay and operation in Russia of a car registered abroad:
transit of a foreign vehicle through the territory of the Russian Federation;
purchasing a car registered abroad for the purpose of its further use in Russia without changing registration.

At the same time, cars of foreign diplomatic missions and consulates on the territory of the Russian Federation can be driven without an MTPL policy,

How long does it take for a foreigner to take out a compulsory motor liability insurance policy?

Unlike Russians, foreign drivers have the legal right to move around the territory of the Russian Federation without compulsory motor liability insurance, but only if they have international Green Card insurance. A foreign driver receives such a policy in the country of which he is a citizen, for a period of 15 to 365 days.

If the Green Card expires during the foreigner’s stay in the Russian Federation, he must apply for compulsory motor liability insurance with a Russian insurance company (IC). If the driver has not received a Green Card, he must take out an MTPL policy immediately upon arrival in Russia.

Where can a foreigner apply for a motor vehicle license?

To obtain an MTPL motor insurance policy valid on the territory of the Russian Federation, a foreign driver can contact any Russian insurance company. In this case, the insurer’s office may be located outside the territory of the Russian Federation, since currently some large Russian insurance companies have their representative offices abroad.

In addition, Russian insurers provide a new type of service - registration of compulsory motor liability insurance directly at the border of the Russian Federation. Despite the obvious convenience, this method is not popular, since insurers inflate the cost of the policy, which is illegal. In addition, when concluding an agreement at the border, the risk of becoming a victim of fraud is higher.

Registration of an MTPL policy for drivers of cars registered abroad follows the same procedure as for owners of domestic cars.

In accordance with the law, in order to conclude an insurance contract, drivers driving a car in Russia, regardless of their citizenship and place of registration of the car, must contact the insurance company and provide the necessary package of documents.

To conclude an MTPL agreement, car owners should choose large insurance companies that have a long-term positive history of activity in the auto insurance market.

At the same time, the main indicators of the reliability of insurers are stable contract rates that comply with those established by law.

In order not to make a mistake in choosing an insurance company when drawing up a motor vehicle insurance contract, use the recommendations given in the article “Rating of insurance companies for compulsory motor third party liability insurance.”

Is it possible for a foreigner to obtain CASCO insurance?

CASCO is not a mandatory type of car insurance in Russia, so both Russian and foreign drivers may not legally take out it.

However, the terms of CASCO insurance provide the car owner with a number of advantages in the form of a large number of insured events and high payments, which can attract a foreign driver to enter into a voluntary insurance agreement.

At the moment, there are no restrictions in Russian legislation on the acquisition of a CASCO policy by foreign citizens. The only condition is that CASCO can only be issued by a driver who already has an MTPL policy.

Another thing is the insurers themselves. They have the right to refuse a foreigner to obtain CASCO insurance for security reasons.

Full information about the terms of the contract and the procedure for applying for a CASCO policy is provided in the article “Car insurance under CASCO”.

What documents will be required

Concluding an insurance contract is a responsible undertaking, therefore, when applying for a policy, insurance companies require the car owner to submit a set package of documents. Moreover, the number and type of documents depend on the legal status of the car owner.

For individuals – not citizens of the Russian Federation

To obtain an MTPL policy, individuals who are not citizens of Russia must provide:

passport or other document proving the identity of the car owner, for example, a residence permit or migration card;
driving license. Both international and national rights are valid, but only if there is a notarized translation of the latter;
vehicle registration certificate;
diagnostic card with the results of the technical inspection.

In some insurance companies, when applying for compulsory motor liability insurance for foreign cars, agents require a power of attorney if the car is not the property of the policyholder. Such a requirement is contrary to the provisions of the law.

For foreign legal entities

The package of documents that an authorized representative of a legal entity must provide for registration of compulsory motor liability insurance for a foreign car must include:

- power of attorney to carry out the procedure, certified by the company’s seal;
- confirmation of state registration of the company.

You must also submit:

- vehicle registration certificate:
- diagnostic inspection card

Details of compulsory insurance for enterprises and organizations are given in the article “Compulsory motor liability insurance policy for legal entities.”

How much will compulsory motor liability insurance cost for a foreigner?

The cost of a compulsory insurance policy for owners of foreign cars depends on several indicators. The factors that determine the price of a car title are:

The calculation of compulsory motor liability insurance for foreign citizens is carried out in accordance with the generally established procedure using a single formula. The base bet is multiplied by all special odds:

driver's registration location;
car engine power;
insurance validity period;
accident history;
the number of drivers allowed to drive a car.

The result obtained is the cost of insurance under MTPL.

The above payment procedure is valid for all foreign drivers who apply for a Russian MTPL policy, regardless of the country in which their vehicles are registered.

So, for example, the cost of compulsory motor liability insurance in Russia for Ukrainians in 2019 is calculated in accordance with the generally established procedure, the same as for Russian citizens, and no changes in the calculations are provided for.

Citizens of foreign countries can obtain car insurance at a different price only on their territory, but this will be a different insurance, since compulsory motor liability insurance can only be obtained from Russian companies.

Thus, when calculating the cost of a car insurance policy in Russia, there are no restrictions or benefits for foreign drivers, and the price for compulsory motor liability insurance, for example, for a car from Belarus is calculated in the same way as for a Russian car.

To learn about what indicators should be taken into account when determining the cost of compulsory motor vehicle liability, read the article “How to calculate the cost of compulsory motor vehicle liability insurance.”

Are there any benefits for the countries of the Customs Union and neighboring countries?

In accordance with current regulations, uniform customs tariffs and other regulatory measures are applied in the member countries of the Customs Union (Russia, Belarus, Armenia, Kazakhstan, Kyrgyzstan).

Does this mean that within a given geopolitical entity there are uniform requirements for car insurance rates? No, it doesn't mean that. Each of the listed states has its own compulsory car insurance system with different rules and cost calculation procedures.

Do participants of the Customs Union have any benefits for registration of compulsory motor liability insurance in Russia? No. Thus, MTPL calculations for Belarusian cars in Russia are carried out in the same way as for Russian cars.

Problems when applying for compulsory motor liability insurance by foreigners

When contacting an insurance company to conclude a contract under compulsory motor liability insurance, foreign citizens may encounter the following difficulties:

the cost of the policy is inflated;
OSAGO is offered with additional services;
a refusal to issue a policy was received.

If each of these cases occurs, it is necessary to find out all the circumstances surrounding the difficulties and then defend your rights.

First of all, it is recommended to write claims to the authorities that regulate the actions of insurance companies: the Central Bank and the Russian Union of Auto Insurers. Often already at this stage you can get positive results.

Appeals to Rospotrebnadzor and the Federal Antimonopoly Service will also help. All of the listed organizations are authorized to audit the activities of insurance companies and make determinations, which will become the basis for the driver to go to court.

Liability for an uninsured vehicle

Drivers driving foreign cars to Russia should take out car liability insurance seriously.

The MTPL policy is a mandatory document when driving a vehicle in the Russian Federation. If a driver ignores the law and does not take out an insurance policy, he will be punished with a fine of 800 rubles.

Read more about what punishment awaits a driver for driving without insurance.

OSAGO, DOSAGO and CASCO insurance in 2019. What is the difference and which policy to choose: Video

A car enthusiast with over 20 years of driving experience. Higher technical education. Experienced copywriter, specializing in banking and technical topics.

How to obtain compulsory motor liability insurance for a citizen of Ukraine in Russia in 2019

In recent years, several thousand Ukrainians have moved to Russia, arriving for permanent residence in connection with employment and under the resettlement program due to hostilities. Is it necessary to obtain a compulsory motor liability insurance policy for foreigners upon arrival in the Russian Federation, how the procedure is carried out, what documents are needed for this, see the material in detail.

General provisions on registration of foreign vehicles in Russia

For vehicles registered abroad, when they arrive in Russia for a long period of time, the same rules for registration and insurance apply as for cars managed by citizens of the Russian Federation.

If the owner of the car did not receive a “Green Card”, then immediately upon arrival in the Russian Federation it is necessary to issue such a document. The law states that a foreign citizen is obliged to collect the necessary package of documents to present to an insurance company in Russia in order to issue an MTPL policy.

When is a car insurance necessary for Ukrainians?

The policy is required by Russian law for all categories of drivers driving vehicles in Russia. The manufacturer, date of manufacture and brand of the machine are not significant. Insurance makes it possible to make payments in case of a traffic accident on Russian roads. The issuance of a document is mandatory in the following situations:

Important: when a car is in the Russian Federation for a long time, it is necessary to register the car with the traffic police. This is due to the need to accrue and pay taxes to the Russian budget.

The benefit for exemption from mandatory payments is valid for only 1 year. During this time, it is prohibited to use the car for commercial purposes and transfer the control to other persons, even with a notarized power of attorney.

For how long is compulsory motor liability insurance provided for Ukrainians?

The MTPL insurance policy is issued for a period of up to 1 year. To obtain a new document, you must again provide a complete package of documents and a diagnostic card confirming the normal condition of the vehicle for driving on the roads.

If a car enters the territory of Russia using Ukrainian documents and it is required to stay in the Russian Federation for a long time, then it is necessary to re-register the vehicle with the local traffic police authorities and undergo a technical inspection at the earliest expiration of the diagnostic card’s expiration date. This will not help you avoid tax payments, since they are not provided for within 1 year after entering the Russian Federation. During a temporary stay in the Russian Federation, registration is not carried out. In connection with the introduction in Russia, from July 1, 2018, of requirements for foreigners to replace their driver’s license with a Russian standard one when staying in the Russian Federation for a long time (except for transit) and using a vehicle for business purposes, it will be necessary to replace the driver’s license with a new one.

Skorokhodov N.N., traffic police officer for the Krasnoyarsk Territory

Documentation for compulsory motor liability insurance for cars of Ukrainian citizens

To apply for an insurance policy, you must collect the following package of documents:

Features of registration of compulsory motor liability insurance for Ukrainians

With regard to insurance policies issued to owners of foreign cars registered in Ukraine, the following nuances are highlighted:

If the trip is timed to coincide with a certain date, and the green card expires at that moment, you can purchase the policy online on the website of the Russian insurer. This will allow you to significantly save on purchasing two policies in Ukraine and Russia.
The Green Card policy makes it possible to receive compensation in connection with civil liability in the event of an accident that occurred outside of Russia. At the same time, entry into the Russian Federation is allowed only with such a document of international standard and scope of validity abroad.
Please note that standard MTPL policies issued by insurance companies in the Russian Federation are valid only on the territory of the country. If a driver travels abroad with such a document, it will not be valid and compensation for it will not be provided.
Insurance is provided not only to the owner of the car, but also to all persons, regardless of citizenship, allowed to drive the vehicle.

Legal basis for issuing compulsory motor liability insurance for Ukrainians in the Russian Federation

The rules for registering vehicles under the MTPL system with the issuance of insurance policies to citizens of Ukraine are regulated by regulations:

Federal Law No. 4528-1 “On Refugees”;
Federal Law No. 40 of April 25, 2002 “On motor vehicle liability”.
Article 1064 of the Civil Code of the Russian Federation, art. 12 and 1186 of the Civil Code of the Russian Federation on compensation for damage.

Local legislation applies to vehicles registered in Ukraine. For the absence of a compulsory motor liability insurance policy for cars imported from abroad, the norms of Russian legislation on bringing to administrative liability apply. They also bear damages to the full extent of losses caused when harming other road users, citizens and their property.

Common Mistakes

Mistake 1. When moving to the Russian Federation, foreigners do not try to immediately register a vehicle, fearing taxes. According to the legislation of the Russian Federation, benefits are provided for such property for 1 year. There is no need to make payments to the state budget during this period.

Error 2. Believing that the car is registered to a citizen of Ukraine, the owners believe that the policy must be obtained in their homeland, even if the vehicle is located in Russia. This statement is incorrect, since when driving a vehicle in the Russian Federation, you will need to undergo a technical inspection here and issue a compulsory motor liability insurance policy.

Case from practice

The man moved with his family to Russia as part of a program to resettle citizens from combat areas in Ukraine. They transported all the property and vehicle. To drive it in the Russian Federation, you need to issue an MTPL policy, which he was warned about by the traffic police when re-registering the place of registration of the car.

Question answer

Question 1. A friend of mine, a citizen of Ukraine, has a car in his garage in Russia. The move was carried out in connection with the conduct of hostilities in Donetsk. Can he take out a compulsory motor liability insurance policy for driving in the Russian Federation?

Yes, this possibility is provided for by Russian legislation. You need to contact any insurance company in the Russian Federation and obtain a policy. The document is issued upon payment of an insurance premium under the conditions of passing a technical inspection to ensure that the car is allowed to go on the road. Only the owner of the vehicle or a representative with a notarized power of attorney can obtain insurance.

Question 2. I moved to Russia and transported property due to long-term residence in the country. I also have relatives who have Russian citizenship who live here. I am an individual entrepreneur and in this regard the question arises: is it possible to use a vehicle for company transportation and do I need to pay taxes?

When crossing the state border of the Russian Federation, you cannot use a vehicle registered abroad to conduct commercial activities for 1 year. Also, it cannot be transferred to third parties for management, including for official purposes. The benefits for car owners apply for 1 year; taxes do not need to be paid during this time. After the specified period, when registering a vehicle in Russia, an annual transport tax will be charged.

OSAGO for cars registered abroad

Insurance of cars registered abroad, the so-called MTPL for foreigners. Vehicles with foreign license plates can travel across the territory of the Russian Federation without a Green Card only if they have an MTPL policy for the established vehicle category.

Considering the fact that a green card can only be issued in the territory of the country where the vehicle is registered, citizens of foreign countries often need to purchase insurance in Russia.

Attention!

Having compulsory motor liability insurance for a foreign car will allow you to protect your civil liability and avoid fines from the traffic police.

Who needs foreign compulsory motor liability insurance?

Citizens of foreign countries using a vehicle registered abroad and staying for a long time in Russia

Owners of vehicles who have not issued a green card on the territory of their state

Vehicle owners with an expired green card

Vehicles crossing the territory of the Russian Federation in transit

Citizens of the Russian Federation using a foreign car in Russia

OSAGO for foreign cars is mandatory on the territory of the Russian Federation in the absence of a Green Card

Below are the tariffs for compulsory motor liability insurance for foreign cars. The cost of OSAGO is indicated in the approximate range and may vary depending on various variables. Vehicle categories: cars, motorcycles, trucks, buses, trailers for cars and trucks.

Buy compulsory motor liability insurance for a vehicle registered abroad

Information on the size of insurance rates for international civil liability insurance of vehicle owners on the territory of the Russian Federation

Is it necessary to take out an MTPL policy for a foreign car?

A car operated on Russian roads requires an insurance policy that guarantees payment of compensation in the event of an insured event.

Belonging to another state does not exempt you from the need for an MTPL policy for foreign citizens in Russia, because when crossing the border, you must comply with the rules established for road users in the country where the person is located.

OSAGO for foreign cars: is it necessary?

When a car moves across the territory of the Russian Federation, foreign citizens are obliged to resolve the issue of providing insurance coverage in one of the most convenient ways, depending on the length of stay and the purpose of the move. Compulsory insurance is also required when purchasing a car abroad, if it is subsequently planned to be used within the Russian Federation on an ongoing basis. The only exceptions are cars of diplomatic missions and consulates.

Having a “Green Card”, issued in advance before crossing the borders of the Russian Federation, can exempt you from the obligation to issue compulsory motor liability insurance. The international policy is valid for up to 1 year. The minimum period is 15 days. At the end of the insurance period, a foreign citizen must purchase an MTPL policy according to the rules in force in the Russian Federation. If their stay in the country is more than a year, foreigners turn to Russian insurers to buy an MTPL policy for cars with foreign license plates.

Residents of the CIS

Citizens of CIS countries, arriving in Russia by car, must adhere to the same procedure when obtaining compulsory insurance. Liability for the consequences for operated Ukrainian cars is regulated by general rules, as for cars from other countries of the Customs Union.

The rules for registration and operation of compulsory motor liability insurance are the same for both Belarusian cars and vehicles with Kazakhstan registration numbers. For cars from Armenia and Kyrgyzstan, the same procedure for interaction with insurance organizations applies.

A special feature of OSAGO for cars from the CIS is the possibility of using it when calculating the cost of tariffs as for Russian cars. Drivers from neighboring countries can be insured under general conditions. Otherwise, they are guided by the norms of the Customs Union.

A compulsory motor liability insurance policy may be required in any case when:

a car registered in another country crosses the border into Russia without a previously issued green card.
The Green Card expired while the motorist was in the country.

The procedure for obtaining a policy for citizens of other countries

Any foreign citizen operating a car in Russia has the right to enter into an insurance contract with any company operating in the MTPL market in the country. There is no requirement for foreigners to conclude a contract outside the Russian Federation if the client contacts the insurer’s representative office. Since large companies have their foreign branches, purchasing a policy is not difficult. However, this method is not often used by foreign drivers due to the established practice of inflated prices in foreign branches. The risk of fraud should not be excluded, because in the territories of foreign countries it is more difficult to control the situation with scams.

The sequence of actions when insuring cars for foreigners under MTPL is similar to the scheme used by Russian citizens. For registration, you will need to submit a certain package of papers. Depending on who enters into the contract, the documentation package should include:

Ordinary foreign citizens submit to the insurer's office the car owner's personal document, vehicle registration documents, and driving license (international, confirmed by a notarized translation).
Organizations whose cars are planned to be used in Russia must present documents for the car, certificates confirming the state registration of the organization, as well as a power of attorney for the official who will handle the registration.

In the latter case, documents for the right to drive a car are not presented, since for legal entities there is only one option for obtaining insurance - without restricting control access.

When deciding whether to undergo a technical inspection, everything depends on the chosen insurance option. For an international Green Card, inspection is not required, but for compulsory motor vehicle liability insurance for a vehicle owned by a citizen of another state, inspection is mandatory for concluding an agreement. Thus, Russian compulsory car insurance rules require a valid diagnostic card or information about the maintenance that the car has undergone abroad. For a Russian company, a notarized translation of the technical inspection data will be required.

Foreign citizens who intend to operate a car under Russian insurance are recommended to cooperate with trusted, large organizations whose impeccable reputation is confirmed by many years of successful practice in the OSAGO market.

Insurance cost

The costs of a compulsory motor vehicle license for foreigners are calculated using a single formula that is also used for Russian motorists. The cost of compulsory motor liability insurance is determined by the base rate, multiplied by several coefficients, with the only exception - some indicators for cars of foreign nationals are fixed.

The following values are used for calculations:

The KBM and coefficients determined by the driver’s parameters have a value equal to one, which excludes the possibility of taking into account the driver’s accuracy behind the wheel.
The territorial indicator is calculated using a value of 1.7.

Different values in calculations are possible only based on the duration of the insurance issued and the power value of the vehicle.

The unified settlement rate for compulsory motor liability insurance for foreign cars is 1,980 rubles. In the process of issuing a policy, the insurer will use the following calculation scheme: 1,980 * 1.7 * 1.7 * car power indicator * insurance period indicator.

You can calculate the costs of a foreign citizen's policy in advance using calculators posted on the websites of domestic insurers.

Possible problems during registration

In the process of obtaining a mandatory motor vehicle policy, some difficulties may arise. You should be prepared for the following situations related to compulsory motor liability insurance in Russia:

a simple calculation shows that insurance for foreigners is much higher than the calculated value for the same car;
taking advantage of ignorance of the laws and rules of Russian auto insurance, companies often include various options that are unnecessary for the client, conditions that increase the final costs;
Not all companies provide services to citizens of other states without explaining their decision in any way.

Due to the identified difficulties, when choosing between a Green Card and a Russian policy, the option of international car insurance is often chosen. When faced with arbitrariness and violations by Russian insurance companies, foreigners need to know the procedure for protecting their own rights on the territory of the Russian Federation. In case of violation of the law, you should contact regulatory government agencies and supervisory organizations:

RSA (in case of violation of the rules for registration and use of the policy);
Central Bank of the Russian Federation (in cases of unlawful decisions and violations in the field of compulsory motor liability insurance);
Rospotrebnadzor (to protect one’s own rights as a consumer of insurance services);
FAS.

Each case of violation is individual, so the choice of organization should be made taking into account the identified violations.

What are the consequences of not having a mandatory policy?

As soon as the car crosses the border of the Russian Federation, the driver is obliged to adhere to the rules and laws that apply in the territory of the state. One of the requirements for operating a car in Russia is compulsory insurance.

In the absence of a policy, the motorist faces the same penalties as for domestic motorists:

Calculation of penalties for operating a car without compulsory motor liability insurance - a single tariff has been established in the amount of 800 rubles.
If you get into an accident and the car is damaged, the culprit is obliged to pay the costs of repairing the damaged vehicle, not only his own, but also other cars, and taking into account the fact that foreign-made cars are very expensive, there is a high risk of losses and the need to spend amounts amounting to hundreds of thousands of rubles necessary to restore the vehicle.

When entering the territory of the Russian Federation, a foreign driver is obliged to adhere to the rules of the country, including the rules for operating vehicles. At the border, the driver will immediately be checked not only for his personal documents and papers permitting his stay in the country, but also for the presence of a valid car insurance policy. To avoid problems at the border, most motorists prefer to immediately take out an international policy, and OSAGO insurance is issued only after the Green Card expires.

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.