OSAGO for a new car from the showroom

How to get insurance for a new car

Buying a new car from a dealership is not an ordinary event and does not happen very often for most people. And yet sometimes it happens.

The car has been chosen, the formalities at the showroom have been settled, it’s time to go show your “happiness” to your family and friends. I really want to, but I have some concerns. But how can you travel if you don’t have a license plate or insurance? This is what OSAGO for a new car from the showroom will be discussed in our material.

Leaving the salon without insurance

Buying a car at a car dealership usually occurs either at your own expense or with the help of bank money, i.e. on credit.

In the first case, after paying for the car, you should think about how to get an MTPL policy for a new car without license plates. Many car sellers have contracts with insurance companies, and the salon manager will offer to conclude an insurance contract immediately after payment and without leaving the salon. Perhaps a representative of the insurer works in the hall or one of the salon employees performs these functions part-time. In any case, there is no need to rush.

You have 10 days to complete all formalities, including concluding a compulsory motor liability insurance agreement. Until 2009, the law provided for a 30-day period when, when purchasing a car or after the old insurance expired, you could drive without fear of being fined. Then changes were made; in 2018 this period is 10 days. Insurance for a new car without license plates is not required during this period.

During these 10 days, if you drive a car, you will be stopped several times by traffic police officers; a car without license plates catches your eye from afar. Document verification is provided. To prove that the car has just been purchased and you still have time to register a new car and buy compulsory motor insurance, you need to bring a purchase and sale agreement with you. The date of its conclusion, and not the day of departure from the salon, will confirm your right.

During this time, you will be able to choose the most favorable conditions and cost of the package for yourself by looking through offers from different companies or use the services of your “old” one, where you may have discounts.

If the purchase of the car was in another region and its transportation to its destination will take more than 10 days from the date of execution of the purchase and sale agreement, then at the car dealership you can purchase a “transit” MTPL for a new car without license plates for a period of 20 days and use it to drive home .

The insurer will issue you a policy indicating all the details of the car, with the exception of the state license. numbers. After registering and receiving numbers, you will have to go to the insurance company and complete the registration of the policy (enter the number).

If you don’t like the conditions or the cost of compulsory motor liability insurance at the car dealership where you buy the car, take the listed documents and go to the insurer who offered the best conditions. But don't buy insurance from dubious places. You can use your own money to buy unnecessary problems in the form of a fake policy. Traffic police inspectors will very quickly check the policy database and if it is “wrong”, you will have to prove for a long time that you are not involved in falsifying the document.

After that, return to the salon, pick up the car and “good luck!”

Cost of MTPL for a new car without license plates

The cost of insurance is determined taking into account the following factors:

1. Place of registration. The price of insurance and taxes largely depends on the region or city in which the car is registered.
2. Restrictions, i.e. if an unlimited number of people are allowed to manage, then the policy will cost significantly more than with a restriction.
3. Car power.
4. Bonus-malus.

We draw your attention to the last point – bonus malus. This innovation in insurance allows you to save on insurance up to 50% of its cost for careful drivers. And for “emergency workers”, on the contrary, it increases the price. How it works? Let's explain.

Currently, the computer database of the Russian Union of Motor Insurers (RUA) is fully operational on the territory of the Russian Federation. This database contains data on all insurance contracts over recent years. You can find everyone who has entered into car insurance contracts and get information about their participation in an accident and the payments received. Based on this data, a system of discounts and surcharges to the base cost of the policy is formed.

For each year of accident-free driving, the policyholder receives a 5% discount on the cost of compulsory motor liability insurance for the next year. After 10 years the discount will reach 50%. It doesn't happen anymore, that's the law.

For those who have been in an accident and found themselves at fault, the cost increases by 55% of the base price. You can return to the discount system after three years of accident-free driving.

That’s why, if you have insured your motor third party liability for several years and were not the culprit of the accident, as a result of which compensation was paid to the injured party, you need to insure yourself with the same insurer or ask a representative to pull up the data from the RCA database. Based on this information, you will be given a discount.

You will not get anything if you have been driving with “left” insurance all this time.

Having switched to a newly purchased car from their previous one, many people have a question: What if we transfer the existing insurance of the old car to a new one? We'll disappoint you - it won't work. This possibility is not provided for by current laws and regulations.

You have three options for how to deal with insurance for an “old” car:

1. Having sold a car, you can reissue a policy for it by agreement with the new owner. And get the difference in cost. Both sides will be satisfied.
2. Terminate the insurance contract and receive money for the period during which you did not use the services of the insurer.
3. Just forget about its existence.

With careful management, there is an opportunity to reduce the cost, use it.

Since the beginning of 2017, you can apply for compulsory motor liability insurance online (via Internet resources) without contacting the insurance company office. However, this cannot be done on cars that are not registered with the state.

For owners of a new car, this government service is not yet available from the showroom.

Registration and compulsory motor liability insurance

Within the time period allotted by law, you need to register the car and obtain license plates. You can do this in the following way: come to the nearest traffic police department, make an appointment, or take a coupon with the queue number for the day of your visit. Then, upon invitation to the window, write a statement, then inspection and verification of the VIN code, and only upon completion of all formalities will license plates be issued.

To quickly complete the entire procedure, you will need the following documents:

1. Statement on the traffic police form.
2. Passport
3. PTS.
4. A document confirming payment of the state duty.
5. Purchase agreement with a car dealership.
6. Insurance.
7. Power of attorney if you are acting on behalf of the owner.

The state registration procedure for a new car (which was not previously registered) is no different from all others under three years old. Having issued compulsory motor liability insurance for a new passenger car without license plates, the vehicle is registered on a general basis, i.e. the only relief is that a technical inspection is not required.

Insurance is more than just a cost

Registration of MTPL for a new car without license plates is a little more troublesome than for a car with license plates, but it needs to be done. Having a valid policy will protect you from material losses in amounts significantly exceeding its cost.

What is compensated under OSAGO:

1. Financial compensation for harm to the health of victims. Each, depending on the severity, up to 0.5 million rubles.
2. Compensation for material losses in case of property damage as a result of an accident. Each victim up to 400,000 rubles.
3. When registering an accident in accordance with the European protocol (without calling traffic inspectors) up to 50 thousand rubles. And for residents of the Moscow and Leningrad regions up to 400,000 rubles, if video or photographic data linked to the location via GLONAS or GPS are attached.

New car and MTPL policy in 2019

OSAGO for a new car from the showroom may be required in the first minutes of the car on the road. Even immediately after leaving the gate. But timely insurance will not allow you to overshadow the joy of the purchase and will protect you from certain risks. And most importantly, it will relieve you of liability for damage to third parties.

Registration of compulsory motor liability insurance

In accordance with our legislation, the driver's auto liability must be insured. OSAGO is one of the documents confirming the right to unimpeded movement of a vehicle (vehicle) across the territory of the Russian Federation. There is liability for its absence.

The policy can be purchased directly at a car dealership, the office of an insurance company (IC) or via the Internet.

The procedure, list of necessary documents and contractual relations are regulated by Federal Law No. 40-FZ of April 25, 2002, so the requirements are the same everywhere. You need to select the insurance period, determine the number of persons admitted to management, provide the insurer with an application and a package of documents and pay for the policy in a convenient way.

Features of compulsory motor liability insurance for a new car

When to apply for compulsory motor liability insurance when purchasing a new car, its owner must decide. However, registration without a motor vehicle license is impossible. Ten days are given to register a new car, and you must arrive at the traffic police with an already purchased policy. In other words, it needs to be taken care of in advance.

Documents for registration

The set of documents for purchasing compulsory motor liability insurance is standard - when applying offline, in the office or online. Before insuring a new car, an individual will need to write a corresponding application and provide:

Some insurance companies will also require a previously issued policy.

Do I need a diagnostic card?

DK is required to obtain an MTPL policy and only for a passenger car “younger” than three years old. Without documentary evidence of readiness for safe operation, the vehicle will not be released onto the road. The traffic police must ensure that the inspection has been successfully completed.

Please note that the number, date of issue and expiration date of the DC are indicated in the application for registration. But the technical condition of new machines is recognized as corresponding to operating standards a priori.

OSAGO for a car without license plates

Obtaining a policy for a novice car owner becomes the most important task. But there are no license plates on the car yet. In order for MTPL insurance to become available for a new car without license plates, this fact must be noted in the application submitted to the insurance company (IC). After registering the car, you will have to visit the insurer's office again to enter information about the registration numbers into the contract.

Sometimes, after purchasing a car, it is necessary to drive it to the owner’s place of registration. In this case, the owner of the vehicle receives transit numbers. Then you buy an MTPL policy with a validity period of only 20 days. And after registration, a standard one is issued for the full term.

Accumulated discounts for accident-free driving

The formula for calculating the cost of compulsory motor insurance includes the base tariff established by the state and eight additional coefficients. Including bonus-malus (KBM), with the help of which insurers encourage clients to have a careful driving style.

The fewer insurance cases and claims for payments, the less the policy costs for the driver. The reduction is 5% for each year of accident-free driving.

KBM accumulates and is transferred to the next policy. Regardless of whether the car is insured new or old, the coefficient is assigned to the driver.

The history can be traced through the Automated Information System (AIS) database of the Russian Union of Auto Insurers (RUA). According to Art. 30 of Law No. 40, companies must enter data into it or into the IC if the database has not been updated for a long time. Perhaps this is the most variable and effectively influencing the price of insurance coefficient.

Electronic MTPL for a new car

The opportunity to purchase e-OSAGO appeared relatively recently. Now all insurers are required to provide such an online service, which significantly simplifies the registration of compulsory insurance. However, this procedure has a number of limitations. When applying online, the information provided by the policyholder is compared with the data in the RSA database, where information about last year’s policy is stored.

Hence the answer to the question of whether it is possible to issue an electronic policy for a new car: until it is registered, it will not work. For this you need car license plates. If they are not there, then there is nothing to compare with. By the way, an electronic policy cannot be issued if the car owner was not insured in the previous year, his passport details or place of registration have changed.

Terms of registration and validity of insurance for a new car

OSAGO must be completed before registering the car - within 10 days from the date of purchase. Initially, you can opt for a policy valid for 3 months. This is the minimum period possible under the law. The maximum validity period of compulsory motor liability insurance is one year. It is also considered optimal in terms of cost.

If the vehicle is not planned to be used all year round, the policyholder can choose a policy with a validity period of several months. In this case, the cost of insurance will decrease.

How much will insurance cost?

The basic MTPL tariff is set by the state depending on the type of vehicle and the status of the owner. And the calculation of the final cost is carried out according to the methodology set out in the Directive of the Bank of Russia No. 3604-U dated March 20, 2015. Thus, all insurance companies determine the price of the policy using a single formula using the same variable coefficients. Their values ​​vary depending on the age of the vehicle, driving experience, accident-free driving and type of car. Thus, the coefficients are taken into account individually, but within the limits established by law.

The policy data is entered into the AIS. When drawing up a new contract, they are used to take into account the previous insurance period. This is the most delicate point, since coefficient values ​​are easily lost or incorrectly taken into account. Before you take out insurance for a new car, you can use an online calculator.

In practice, the exact price of the policy for the client often becomes known only at the time of concluding the contract at the insurer’s office.

OSAGO when buying a new car on credit

Compulsory insurance is required for any car. The law does not divide vehicles according to the method of acquisition. And it doesn’t matter whether it was purchased on credit or immediately at full cost. A credit car will require CASCO, but this is a topic for another discussion.

Responsibility for lack of compulsory motor liability insurance

If ten days have passed since the purchase of the car, and the insurance policy has not been issued, driving is prohibited. The very next day the inspector who stopped you will issue a fine. You do not need to present the policy, but traffic police officers will check its availability in their databases.

Clause 2 Art. 12.37 of the Code of Administrative Offenses (CAO) for the absence of compulsory motor liability insurance determines a fine of 800 rubles. For the same violation again, you will have to part with 5 thousand. They can also deprive you of your rights - up to three months. But these are not the only measures applied to violators of the compulsory insurance law.

Conclusion

So, let's summarize briefly:

1. A new car needs insurance just like any other car, including one taken on credit.
2. The policy is issued as soon as possible for a maximum of one year.
3. You can issue a policy for a new car without license plates, with the exception of an electronic one.
4. When calculating the cost, accumulated coefficients are taken into account.

Practicing lawyer with 10 years of experience. Specializations: criminal law, insurance law, administrative offenses.

Insurance of a new car when purchased at a dealership - step-by-step instructions

In most cases, managers offer to issue compulsory motor vehicle liability insurance at the dealership when purchasing a car. In such situations, many people wonder whether they need to take out a policy right away or whether this can be done later at the office of the insurer they like. In this article we will consider the pros and cons of drawing up a document at a car dealership, as well as the procedure for concluding such an agreement.

Obtaining insurance at the salon

Most dealers offer to issue MTPL for a new car at the same time as purchasing it. Some even argue that it is mandatory to purchase a “car citizen” in the salon.

If the service is not needed, if such a situation arises, you should tell the seller about the illegality of his actions and his intention to buy insurance from another company. If the manager does not agree with this decision, you can send a complaint to Rospotrebnadzor.

In some cases, mandatory registration of a policy may be one of the conditions for purchasing a certain car on credit. This item is indicated in the proposal. As a rule, in such situations, it is proposed to make a purchase on credit from a certain bank and conclude an insurance contract with a specific company.

In most cases, such requirements are made regarding CASCO policies.

Pros and cons of insurance at a car dealership

Purchasing MTPL at a car dealership at the same time as purchasing a car has both positive and negative sides.

The main advantage of such insurance is convenience for the buyer. He does not need to visit the company office. He leaves the salon in an already insured car.

Another advantage of purchasing MTPL from a dealer is the protection of the driver’s liability to other road users. Of course, you can exercise your right to 10 days of driving a car without taking out a policy. But if during this period of time the driver becomes involved in an accident, the owner of the vehicle will have to compensate the losses to the injured party at his own expense. If you apply for compulsory motor liability insurance immediately at the salon, then if an accident occurs, the damage will be compensated from the insurer’s funds.

Now let's look at the disadvantages of the service. Most often, dealers offer clients to insure their liability at the highest possible rates. Thus, the difference in the cost of policies purchased in the salon and directly at the company’s office can reach 20%.

Another disadvantage is the possibility of losing the MTPL discount for accident-free driving. When applying for a policy at a car dealership, managers often do not take into account the value of the driver’s BMI and sell insurance without the required discount. If the document is filled out incorrectly and contains errors or typos, the driver will not receive the discount he is entitled to. When you subsequently take out insurance, you may find out that the maximum discount, which reaches 50%, has disappeared.

This is explained by the fact that the increase in the CBM discount occurs for each year of driving without the occurrence of insurance claims. The discount “burns out” in the event of an accident due to the fault of the policy owner (or if he has not been included in any MTPL for a year).

If there are errors in the document, then the unified database will not contain information that the policyholder took out an auto insurance policy in the past year. Upon subsequent acquisition of compulsory motor liability insurance, he will no longer be entitled to a discount for an accident-free experience.

Despite the fact that the manager issuing the policy must check the driver’s BMR and calculate his individual discount, in practice most sellers do not do this.

The disadvantages of obtaining compulsory motor liability insurance at a car dealership include the limited choice of insurers. Most dealers offer to enter into an agreement with a narrow circle of companies that are their partners. This list may not include the insurer whose client the buyer is.

How to apply for compulsory motor liability insurance for a new car

Insuring a new car is practically no different from a similar procedure carried out in relation to used cars. The only difference is the need to re-visit the office after registering the vehicle to enter information about the license plate into the policy.

If the buyer decides to purchase a “citizen car” in the showroom, the insurance procedure will be carried out according to the following algorithm:

• buying a car;
• compilation of compulsory motor liability insurance;
• making payment for the policy;
• transfer of insurance to the buyer.

After the car is registered with the traffic police, the driver will need to contact the dealer to enter information about the received numbers into the insurance.

If you decide to insure a new car without license plates at the company’s office, then you need to follow these steps.

• Choice of insurer. To do this, you need to familiarize yourself with the insurance company’s offers and customer reviews. You should also pay attention to the insurer's rating. If the driver is already a client of a company and is satisfied with everything, then to obtain compulsory motor liability insurance for a new car, it is advisable for him to contact them there, since most organizations offer discounts to regular customers.
• Preparation of documents required to obtain an MTPL policy.
• Visit to the insurance company.

The list of documents for purchasing an MTPL policy is established at the legislative level and is indicated in No. 40-FZ. To purchase a vehicle license you will need to provide:

• application of the appropriate sample;
• policyholder's passport;
• PTS;
• driver's license;
• a document confirming the completion of maintenance.

In 2019, online auto liability insurance is gaining popularity. To do this, just go to the company’s official website, fill out the fields that open and pay for the policy. However, e-MTPL can only be issued for vehicles registered with the State Traffic Safety Inspectorate. It is impossible to get insurance online for a new car without plates.

Conclusion

Registration of compulsory motor liability insurance at a car dealership at the same time as purchasing a car can help the driver save personal time on a visit to the insurer’s office. However, often the cost of such a policy is much higher than the market average. If the driver decides to apply for a “car license” at the dealership, you should carefully study the issued form. If inaccuracies are discovered, it is important to immediately point them out to the manager and insist on correcting the errors.

Apply for compulsory motor liability insurance for a new car from a showroom without license plates

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Purchasing an insurance policy for a new car is considered a mandatory procedure. Its absence is considered an offense punishable by fines. The procedure for obtaining insurance at a car dealership takes a minimum of time; insurance company employees themselves offer their services to all customers. The cost of their services is most often higher than the market average, so it is recommended that you first familiarize yourself with the prices of other insurance companies.

How to apply for compulsory motor liability insurance for a new car

When purchasing a new car under a sales contract, the transaction is often completed on credit; in this case, insurance must be issued immediately, without leaving the showroom. When purchasing a car at their own expense, the car owner can move around the city without compulsory motor liability insurance for ten days.

An MTPL policy can be issued not for a year, but for a shorter period of time. The minimum period is considered to be three months; this period must be indicated in the document.

This option is ideal for gardeners who use the machine in the summer. Driving a car during a period not specified in the document is also considered a violation of the law, and the inspector may issue a fine.

The cost of insurance depends on various factors; the basic rates for 2019 are presented in the table:

Necessary documents for the purchase of compulsory motor liability insurance after purchasing a car:

• application in the prescribed form;
• car owner's passport;
• car passport;
• rights of the car owner and other persons allowed to drive the car.

Application for a compulsory motor liability insurance policy

Stages of obtaining insurance for a new car when purchasing at a car dealership:

1. Conclusion of an agreement.
2. Car registration, obtaining registration numbers.
3. Entering data into the MTPL policy.

Features of registration of compulsory motor liability insurance for a new car:

• no need to provide a diagnostic card;
• mandatory issuance of an insurance policy for a year, subject to the purchase of a vehicle on credit;
• The start date of compulsory motor liability insurance for a car purchased on credit must coincide with the date of execution of the purchase and sale agreement.

How many days after purchase should you purchase OSAGO?

After purchasing a car, you can drive without insurance for ten days; after the specified period has expired, road service employees have the right to issue a fine of 800 rubles.

Registration of compulsory motor liability insurance for a car without license plates

It is very easy to insure a new car without license plates; to do this, you just need to indicate this fact in the application for an MTPL policy. After registering the vehicle, a second visit to the insurance company’s office is required to enter data on registration numbers.

When filling out an application for concluding an MTPL agreement, the line “State registration plate” should be left blank if the car has not passed state registration by the time the agreement is concluded. After registering the vehicle and receiving license plates, the policyholder is obliged to provide the state number to the insurer within 3 working days. It is recommended to do this immediately after assigning registration numbers to the car. In turn, the insurer will enter information into the insurance policy form and into the automated insurance system.

The legislation does not contain information about whether a regressive case applies if the license plate number is entered into the contract in person without notifying the insurance company.

When an insured event occurs, all rights of the car owner in an accident are also respected; failure to notify the insurance company about the assignment of license plates is not considered a violation of the law.

In some cases, after purchasing a car, it is required to drive it to the place of registration of the car owner. In this case, the owner of the vehicle receives transit numbers . The insurance policy is valid for only 20 days. After registration, a standard MTPL policy is issued for a year.

Is it possible to apply for compulsory motor liability insurance for a new car without license plates online?

Electronic MTPL policies have a large number of advantages. The main advantage is not only the convenience of payment, but also the inability to lose. Purchasing an electronic policy for a new car without license plates is also accompanied by receiving a paper document. The electronic version can be restored if lost.

The procedure for obtaining electronic MTPL insurance for a new car is available only if you are personally present at the insurance office , as well as if the car is entered into the traffic police database. Compliance with this condition will help comply with safety regulations.

Everything about taking out an MTPL policy for a new car from the showroom, the features of insurance and its cost

When purchasing a new car, the owner is faced with the question of insuring the vehicle under MTPL. It’s good when the salon where a car enthusiast purchases his car cooperates with one or more insurance companies that provide the opportunity to insure the car under a purchase and sale agreement immediately without leaving the salon.

But unfortunately, not all companies selling cars cooperate with insurance companies and can provide their clients with such an opportunity. What to do in this case? After all, in fact, you cannot drive a car that is not registered with the traffic police and does not have a compulsory motor liability insurance policy. We will look at what the law says about this in this article.

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Drawing up an MTPL agreement for a new car

The legislation provides for a period of 10 days after the execution of a purchase and sale agreement for a new car, during which the car owner has the right to drive his vehicle without any sanctions from traffic inspectors.

You should not delay in obtaining a compulsory insurance policy, since you still have to obtain license plates for your car from the traffic police.

After you receive the license plates for your car, you will have to visit your insurance company again to enter this data into your compulsory car owners insurance policy.

There are times when a new car needs to be driven, for example, from one city to another. In this case, it is necessary to take out a transit insurance policy, which is valid for only 20 days . In order to issue such a policy, you must obtain transit numbers from the traffic police department.

Is it necessary to purchase a policy?

Is it necessary to take out an MTPL policy for a new car from the showroom? The clear answer to this question is yes. Today, quite a lot of people buy cars on credit and know first-hand what CASCO is. In fact, any car owner can apply for CASCO for his car, regardless of whether he purchased the vehicle on credit or in cash.

People often confuse these insurance products and many believe that if the car was insured under CASCO, then it is not at all necessary to take out OSAGO (what is the difference between OSAGO and CASCO?).

In fact, this is completely wrong. Automobile liability insurance for vehicle owners is required. You cannot drive a vehicle without purchasing this insurance product. More details about why you need compulsory motor liability insurance can be found in this material.

Not only that, in the event of an accident, the driver, if he is the culprit, will pay for the damage and harm to health caused by a friend to the participant in the incident from his own pocket. You also need to take into account the fact that for driving without insurance, a traffic police officer may apply administrative penalties to you .

Today, a traffic police inspector has the opportunity to check whether a car owner has compulsory motor vehicle liability insurance by the car number - so it makes no sense to lie to traffic police officers that you forgot your home insurance.

The fine for driving without a compulsory insurance policy is 500 rubles (in the case when, for example, you forgot it at home). If the car owner, due to forgetfulness, did not renew the current policy or did not take out one at all, a fine of 800 rubles will be issued.

Production time

In insurance sales offices you can often find long queues, which can significantly increase the time it takes to issue compulsory motor third party liability insurance.

After purchasing a vehicle, a person must register it with the traffic police within a 10-day period, at the same time he will need to issue a compulsory insurance policy - without it, it will not be possible to register the car. You can find out more about what other documents you will need to register your car here.

You will have to visit your insurance company to apply for an MTPL policy twice. The second time you will need to come to the office in order to enter into the insurance the numbers of your car, which you will receive from the traffic police.

Duration of the contract

The MTPL policy is issued for a period of one year. But the law provides for the possibility of reducing the insurance period (minimum insurance can be issued for 3 months), which allows reducing the cost of this insurance product.

The insurance option for a certain period, rather than for the whole year, is suitable for those car owners who use their vehicle for a certain period (for example, only in the summer months). Regardless of the insurance period provided for in the MTPL contract, the contract itself is concluded for 1 year .

In order to protect themselves and their funds that were issued to the borrower for the purchase of a car, credit organizations require registration of compulsory motor liability insurance for 1 year.

What documents will the owner of a new car in the insurance company need to draw up an MTPL agreement?

A person who has purchased a new vehicle should take the necessary application form from the insurance agent to apply for a compulsory motor liability insurance policy and fill it out accordingly.

You must provide the insurance agent with the following list of documents:

• STS car;
• driver's licenses of everyone who will drive the vehicle (in the case of unlimited insurance, not necessary);
• passport;
• inspection certificate or diagnostic card (this document is not needed for a new car).

Cost of insurance

The price for an MTPL policy is set by the Central Bank of the Russian Federation and no one has the right to change it, neither agents nor the insurance company itself. Read about what MTPL tariffs are and what they depend on here.

If you are insured with one company for several years, you receive a discount that you will lose if you take out insurance with another insurance company.

If you take out insurance at a car dealership, local insurers will most likely sell you this insurance product at face value. Previously, it was necessary to take a certificate from your insurance company about accident-free driving, the period of which also reduces the basic cost of compulsory motor liability insurance. But today, insurers can obtain all the data necessary to confirm the fact of accident-free driving from a single RSA database.

Features of the procedure

The procedure for obtaining a compulsory insurance policy for a new car is practically no different from the procedure for obtaining motor third-party liability insurance for used cars.

The only thing is that you will have to visit the insurance company's office twice. The first time to issue a policy and the second time to enter into it the license plate number issued to you by the traffic police when registering your car.

Today, issuing an auto liability insurance contract for vehicle owners via the Internet has become widespread. You can find out more about this here.

In order to purchase an insurance product, you must go to the insurance company website and enter the data necessary to issue a policy. After payment is made, the company will send you a PDF format of your policy by email.

It would seem that there is nothing simpler: go to the website and register without queues at the company’s office, but not everything is so simple. According to the rules, those whose car is registered with the traffic police can apply for an e-policy. But as we already know, it will not be possible to register a car without an issued MTPL policy . Whatever one may say, the first time before registering your car with the traffic police to issue a policy, you will have to visit the office of the insurance company you have chosen.

The law provides a period of 10 days to register the vehicle with the traffic police and obtain insurance.

For driving without a compulsory motor liability insurance contract, a fine and possible removal from driving are provided.

You will not be able to issue an MTPL policy for a new car via the Internet. Since, according to the law, an electronic policy can only be issued for a car that is registered with the traffic police.

You should also understand that by not taking out a compulsory motor liability insurance policy, you are putting yourself at risk - if you are at fault for an accident, you will have to pay the victim out of your own pocket.

In order to obtain auto liability insurance, contact only trusted companies, since today cases of fraud are very common.

Be careful and don't forget about your safety!

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