Passing a technical inspection for compulsory motor liability insurance

Technical inspection for obtaining compulsory motor liability insurance

Every driver has to deal with such a concept as a technical inspection. Due to innovations, not only beginners, but also experienced motorists need to know everything about technical inspection so as not to break the law.

Driving a car legally requires having the necessary documentation. One of these documents is a compulsory third party liability insurance policy. There is an opinion that compulsory motor liability insurance and technical inspection are inseparable, that is, drawing up an insurance contract is impossible without timely monitoring of the condition of the vehicle. Let's consider options for obtaining a policy without a valid vehicle inspection certificate.

What is a technical inspection

A technical inspection of a vehicle is a check of the serviceability and safety of the vehicle’s components, as well as the compliance of their condition with Appendix No. 1 of the Maintenance Rules.

If before 2012, vehicle serviceability monitoring was monotonous and has not undergone any changes since the 90s, then since this period, technical inspection of mechanisms has been carried out with innovations. In particular, the good technical condition of the car is now confirmed not by a coupon, but by a diagnostic card.

Technical inspection should not be considered a relic of the Soviet past. Similar requirements for vehicles are being put forward abroad. When crossing the border, any driver is required to present a valid diagnostic card. Without it, the motorist will be returned to the country of arrival.

In addition, it is extremely difficult to prove the serviceability of a car without a supporting document - the driver of the vehicle risks being found guilty of a traffic accident.

Why do you need a technical inspection of a car?

A technical inspection is always a long procedure, and also paid. Because of this, many drivers wonder about the need for this very diagnosis. After all, the state inspection has been cancelled, but you still have to go to service stations to check the car. The main reason why drivers need to undergo a vehicle inspection is the need to obtain an MTPL insurance policy.

Formally, a document confirming the diagnostics completed is required to issue an insurance policy.

Upon successful completion of the maintenance, the driver is issued a diagnostic card (formerly a technical inspection card). It is an A4 form with general data about the car, as well as test results for 65 indicators. At the end of the form, the technical inspection operator’s conclusion about the serviceability or malfunction of the vehicle is indicated. It is with this diagnostic card that the car owner applies to the insurance company to obtain a car title.

Is a technical inspection required for OSAGO?

According to clause 3 of Art. 15 of the Federal Law “On Compulsory Motor Liability Insurance” of April 25, 2002. To conclude an insurance contract, the applicant must present a document and a diagnostic card for the car.

Is it possible to apply for compulsory motor liability insurance without a technical inspection?

Yes, and quite legal. The situations in which exceptions come into play are described in Art. 15 No. 170-FZ “On technical inspection of vehicles in the Russian Federation”:

the mechanism is not subject to serviceability control. Allowed for cars weighing up to 3.5 tons, the owners of which are individuals;
the car is new (less than 3 years have passed from the date of manufacture, according to paragraph 2 of article 15);
The validity period of the previously issued maintenance coupon has not expired (clause 5 of article 15).

According to the insurance law of April 25, 2002, a diagnostic card is required to obtain an MTPL policy, but it does not specify whether it should be recently issued or simply valid.

Other ways to purchase compulsory motor insurance without a technical inspection

Russian legislation has a lot of shortcomings that allow motorists to obtain insurance documents without actually going through control of the vehicle’s serviceability.

purchasing a policy online. Any broker will issue an electronic MTPL without a diagnostic card, even hand it over to the customer, but there is a high probability that the document will be fake. Use the services of trusted insurance companies and their branches;
contacting an employee of a regional accredited control station. A superficial inspection of the car gives the right to receive a paper without actually passing a control inspection;
cooperation with specialized companies. Here you can get a card for money without presenting the vehicle for inspection at all. Whether to use this method is up to each car owner to decide for himself. In the end, establishing the serviceability of the car is important for its owner, and not for the insurer.

Is insurance valid without a technical inspection?

According to paragraph 1 of Art. 14 of the relevant law, the insurance company has the right to file a recourse claim if at the time of the accident the driver did not have a valid document confirming the passage of technical control.

In fact, the MTPL policy in such a situation loses its validity.

How often do you need to undergo maintenance?

As you know, car insurance is issued for no more than one year, after which it must be taken out again. But this does not mean that all vehicles need to undergo technical inspection annually. For different types of cars, there are separate time periods for mandatory diagnostics (see Article 15 No. 170-FZ):

New cars under 3 years old are not subject to inspection (clause 2).
Cars whose production year has passed from 3 to 7 years are diagnosed once every 2 years (clause 1, subclause 4).
Vehicles that are more than 7 years old - annually (clause 1, subclause 2).

Important! There is a separate category, vehicles from which are required to undergo maintenance every 6 months (clause 1, subclause 1). These include taxis, passenger buses, trucks transporting dangerous goods, and trucks with more than eight passenger seats.

Where can I do maintenance for OSAGO?

Before the changes in 2014, technical inspections could only be carried out at traffic police departments at the place of registration of the car owner. Today, you can undergo diagnostics at service stations, diagnostic centers, insurance companies, and organizations working in this field. This is very convenient for drivers, because there is no need, for example, to go to the other end of the city and stand in lines.

Another option on how to do maintenance for MTPL is to buy it. The procedure is completely legal. Of course, it’s much easier to get a diagnostic card this way, but you should only use this method if you’ve checked the car recently and know that it’s working properly.

When choosing a seller organization, you need to be very careful. Many small companies may entice you with a low price, but there is a risk that you will never receive your diagnostic card. All DCs are entered into the electronic database of the EAISTO State Traffic Safety Inspectorate, and absolutely anyone can check the availability of their document via the Internet.

To do this, you need to fill in several suggested fields, and if your card is in the database, the system will show it.
The completed DC will appear in EAISTO within three days. Some fraudulent companies, after receiving payment, only feed the buyer with promises that tomorrow or the day after tomorrow the document will appear in the database, and as a result, the driver simply loses money. It is not difficult to recognize scammers:

Prices are too low.
Full prepayment required.
Lack of license for this activity.
Lack of certificates and documents for work.
No guarantees for the services provided.

Important! Before contacting an insurance company, always check the availability of the insurance policy in the electronic database.

How to pass a technical inspection if your compulsory motor liability insurance policy has expired?

In fact, you cannot drive a car that is not insured. If you don’t want to risk being stopped by a traffic police officer and fined, the way out of the situation is to contact specialized companies that will prepare a diagnostic card for money without presenting the vehicle. Since the good condition of the car should be of concern, first of all, to the driver, do not be lazy after taking out insurance to actually check the correct operation of the units of the iron horse.

What documents will be needed to pass the MOT?

Before arriving at the technical inspection point, the driver must prepare. Be sure to have a first aid kit and a fire extinguisher with a good expiration date in your car. You also need to have the following documents with you:

passport;
driver's license;
vehicle registration certificate;
power of attorney if the maintenance is not carried out by the owner of the car.

Technical inspection for compulsory motor liability insurance is an important and rather lengthy process. If the technical operator identifies malfunctions in the operation of your car the first time, then you are given 20 days to eliminate them, after which you need to come back for maintenance. Moreover, only those points for which the result was negative during the first diagnosis are re-checked. If the driver did not have time to come back for maintenance within 20 days, then the inspection will be carried out again for all indicators.

Take care of preparing a diagnostic card and an insurance policy in advance, because you are the one who is interested in a working car and the possibility of receiving financial compensation if necessary.

Inspection in 2020

Good afternoon, dear reader.

Technical inspection is a procedure for checking the technical condition of a vehicle, mandatory for all drivers. Currently, passing a technical inspection is required to purchase an MTPL policy.

Most car owners are faced with the need to undergo a technical inspection no more than once a year. However, the rules for vehicle inspections change with enviable regularity, sometimes several times a year.

This article will discuss how to pass a vehicle inspection in 2020.

Is a technical inspection required in 2019 and 2020?

So, the first question that worries drivers is: “Do I need to undergo a technical inspection in 2020?” A technical inspection is required, but not all cars need it. Only category B cars, motor vehicles, trailers and semi-trailers that are less than 3 years old .

Why is a technical inspection necessary?

Firstly, you need to undergo a technical inspection in order to make sure that your car is safe. During a technical inspection, vehicle malfunctions are identified that the driver can correct in a timely manner.

Secondly, you need to pass a technical inspection for MTPL. Currently, you can buy an MTPL policy only after passing a technical inspection (except for cars that do not require technical inspection).

How often should a vehicle be inspected?

The validity period of a technical inspection for compulsory motor liability insurance depends primarily on the type of vehicle:

Category B cars, motor vehicles, trailers and semi-trailers - 3, 5, 7 years after the year of manufacture. Then - every year .

Category C cars, training cars, cars equipped with special signals - every year .

Taxis, buses, trucks for transporting people, vehicles for transporting dangerous goods - every 6 months .

Drivers often have a question about whether they need to undergo a technical inspection if the car is 3 years old. In this case, it is necessary to undergo a technical inspection, because otherwise, they will not sell you a compulsory motor liability insurance policy.

Another popular question: “Do I need to undergo a technical inspection for a new car?” If the new car belongs to category B, then there is no need to undergo technical inspection in the first 3 years.

Consider the table relating to personal cars of category B:

How much does a car inspection cost in 2019?

The cost of a technical inspection in 2019 and 2020 depends not only on the type of vehicle, but also on the region (federal subject) where the inspection procedure is carried out.

For example, the price of a car inspection is in the range of 300 - 700 rubles, the cost of a truck inspection is 600 - 1000 rubles.

This amount is paid directly to the organization conducting the vehicle inspection. to pay an additional state fee for technical inspection in 2020.

Therefore, to find out how much a technical inspection costs in your region, I recommend contacting the selected technical inspection operator (call by phone).

You can pay for the technical inspection at a bank branch or through special payment terminals. To do this, you need to select the point where you will undergo a technical inspection and find out its payment details. You can also pay at the organization's cash desk.

Technical inspection points

The next important question is where to get a technical inspection? There are several thousand technical inspection points in Russia. You can choose the one closest to your home in the register on the website of the Russian Union of Auto Insurers:

Enter the name of your city and click the “Find” button. After this, your city will appear on the screen with the technical inspection points marked. For complete information about the technical inspection station, click on the blue mark on the map.

I would like to note that it is currently possible to undergo a technical inspection in any subject of the Russian Federation . Therefore, if you live on the border of two regions, you can choose the point where the inspection costs less.

Documents for vehicle inspection

In 2019, the following documents are required to pass a technical inspection:

Identification document (passport or driver's license).
Power of attorney if the owner of the car is not present for the technical inspection.
Certificate of registration or PTS (if the car is not registered).

The operator has no right to require additional documents from you.

What is needed to pass the technical inspection?

To successfully pass the inspection, you will need a technically sound vehicle. In this regard, I recommend reading the list of faults and conditions under which the operation of vehicles is prohibited. This document describes what is checked during a technical inspection.

In addition, there are several requirements that require additional attention:

First aid kit for technical inspection . The first aid kit has a limited shelf life, so before going for an inspection, check the expiration date of all components of the first aid kit.
Fire extinguisher . The expiration date of a fire extinguisher for technical inspection is about 5 years and is indicated directly on the body. If necessary, the fire extinguisher must be replaced.

If you just bought a car, I recommend buying a universal motorist kit , which contains a first aid kit, a fire extinguisher, a warning triangle and several other useful items.

One of the most popular reasons why a car fails inspection is a crack in the windshield . In this case, the crack should be located on half of the driver's glass in the wiper cleaning area. If the crack does not fall into this zone, you can pass the technical inspection with it.

Diagnostic inspection card

Based on the results of passing the technical inspection, a diagnostic card .

This document is a regular A4 sheet, filled out on both sides and certified by the signature and seal of the technical inspection operator.

An example of a diagnostic card is shown in the figure on the left. Usually the map is printed in black and white, but sometimes color forms are also available. The color of the card is not of fundamental importance.

The diagnostic card contains the results of the technical inspection. If everything is in order with the car, you can use the diagnostic card to purchase an MTPL policy.

Otherwise, you should eliminate the faults and come back for a technical inspection. Repeated verification procedure requires a separate payment.

If you have doubts about the authenticity of the diagnostic card, you can check the results of the technical inspection using the EAISTO database.

Note. When issuing an MTPL policy, the insurance company checks the diagnostic card against the database of the union of motor insurers. In this regard, you should not try to prepare this document yourself; the deception will be exposed immediately.

Experienced car owners still remember the times when inspection results were issued in the form of a special small coupon. In 2020, technical inspection tickets will be issued.

Fine for lack of technical inspection

A fine for driving without a technical inspection can currently only be imposed on the driver of a passenger taxi, bus or truck intended for transporting people, or a vehicle for transporting dangerous goods. Its size is 500 - 800 rubles .

No fine is imposed on other drivers for lack of technical inspection; in addition, it is not necessary to carry a diagnostic card in the car.

However, without a technical inspection you will not be able to buy an insurance policy, which will entail another fine:

Is it possible to buy a diagnostic inspection card?

Some drivers, unsure of the technical condition of their car, are looking for an opportunity to obtain a vehicle inspection card without inspecting the car.

I do not exclude that it is indeed possible to buy a technical inspection, but most likely it will be fake. This is due to the fact that when issuing a diagnostic card without an examination, the operator is at great risk. The fine for him for each document issued illegally is 100,000 - 300,000 rubles. In addition, the operator is responsible in the event of an accident caused by a malfunction of the vehicle. So it is not profitable for official inspection points to “sell” diagnostic cards.

In practice, scammers most often offer to buy a technical inspection. They print a fake inspection card on A4 sheet, certify it with any stamp and hand it to the driver. A fake card does not pass verification using the EAISTO database, so it is impossible to buy an MTPL policy using it.

So I recommend that you think several times before buying a vehicle inspection.

This article discussed all the popular questions related to the technical inspection of a car. However, if you still have any questions, you can ask them on the SDA CLUB forum.

How to get a diagnostic card for OSAGO

In this material we tell you how to pass a technical inspection and obtain a diagnostic card for compulsory motor liability insurance. Together with Tatyana Obshivalkina, a specialist at the insurance company Energogarant , we collected questions from owners of used cars and gave answers to them.

Why inspect your car and get a vehicle inspection card?

Pass the inspection and receive a diagnostic card. The result is that you are confident in the technical serviceability of the car. In addition, without a map and an inspection, even a formal one, it is impossible to make a compulsory motor liability insurance policy.

Where can I get a technical inspection for compulsory motor liability insurance?

Inspect the iron horse at special inspection points. There, specialists using various equipment (testers, meters, stethoscopes, etc.) check the serviceability of the car, the operation of individual mechanisms, as well as the presence of serious distortions in the body structure.

Do not confuse inspection points with service stations. A service station is essentially a car service. They will change the tires, repair the suspension, paint the body, bring parts for repair from the warehouse, but will not conduct a technical inspection. Only special points do this.

What is checked during a technical inspection?

At the inspection point, the specialist checks:

state license plate, first aid kit, fire extinguisher, seat belts, warning triangle for compliance with regulations;
level, quality of technical fluids in the car, as well as the level of harmful substances in the exhaust.

Inspects:

mirrors, glass for damage;
driver's seat for compliance with GOST standards.

Tracks:

the presence of door locks, dirt aprons;
operation of headlights, side lights, brake lights.

play in the steering wheel, suspension;
the operation of brake discs, pads, handbrake, as well as the sound signal, wipers, and mudguards.

You can find out about the location of service points here.

What to prepare for technical inspection?

Wash the four-wheeler, take with you the documents - license, registration certificate and pink certificate card. If the owner of the car is a wife, brother, matchmaker or someone else, take a general power of attorney for the inspection.

What if I don’t go to the technical inspection point at all?

The insurance agent will not issue compulsory motor liability insurance without a diagnostic card. Without a policy, you won’t be able to register your car, which means you won’t be able to drive. But if you really want it, the price of such pleasure, for example, in the Sverdlovsk region is 800 rubles. This is the amount of the fine that the traffic police officer will issue if he stops you. The traffic inspector will also take down the license plates and call a tow truck. You will have to fork out more money to transport the car to the impound lot and stay there.

Is there a fine for failure to carry out a motor vehicle insurance inspection?

The fine for late technical inspection and its absence was cancelled. But not for everyone.

Owners of trucks with more than 8 passenger seats, vehicles for transporting dangerous goods, as well as buses and taxis risk shelling out 500-800 rubles.

How much does it cost to do a technical inspection for an MTPL policy?

The price for a technical inspection of a passenger car in the regions is on average 498 rubles. The amount will have to be paid again if the car does not pass the technical inspection. The diagnostic card will be in your hands when the car meets GOST standards.

What is the validity period of a diagnostic card for an MTPL policy?

Cards are replaced every two years for passenger cars for 3-7 years. The date of issue must be noted on the registration certificate or vehicle passport.

Cards are changed once a year:

for passenger cars older than 7 years;
trucks heavier than 3.5 tons;
cars with special signals;
cars that are used in driving schools.

A card is not needed if the car is less than 3 years old.

When should a car be inspected for compulsory motor liability insurance?

The frequency of vehicle inspection to obtain compulsory motor vehicle insurance varies depending on the age of the car. If, for example, the car is manufactured in 2010, check the car annually. The card is valid for the same amount of time. Pass a technical inspection and take out insurance on the same day - it will be more convenient to update your card and policy.

How to apply for a diagnostic card online?

Tatyana refused to comment on this issue - insurance companies are against such actions. When purchasing a vehicle inspection or diagnostic card online, you run the risk of getting a fake. If you get into an accident, free the insurance company from having to pay compensation for car repairs, as well as legal costs. You will have to shell out a large sum from your wallet, including for the services of a lawyer.

Although it is not difficult to do a technical inspection online. We easily found which services you can use to issue a card yourself. We enter “online diagnostic card” into the search bar and see that the number of offers is beyond counting. The search engine provides video tutorials, links to insurance company websites, and services for purchasing cards online. Prices start from 500 rubles. For this money you get a completed technical inspection, as well as a ready-made diagnostic card. Illegal and dishonest. Although formally - don’t find fault. The technical inspection card number is included in the unified technical inspection system (EAISTO) of the State Traffic Safety Inspectorate. After this, it is impossible to prove that you received the card without showing the car to specialists.

How and where to undergo a technical inspection and receive a diagnostic card - decide for yourself. But remember: you are not doing this for the insurance company, but for your own safety.

Don't relax

If the car is in full working order or there are minor defects that can be easily corrected, you will pass the technical inspection. Do not delay receiving a diagnostic card. With a contract, after purchasing a car, the law allows you to drive for 10 days. This is how much time is given to get a vehicle inspection card and make a compulsory insurance policy.

Find out more about the car

If you are looking for or have already bought a car, check its history using the AutoCode service. The service will help you avoid buying a problem car.

To search for information, the electronic service monitors the databases of the traffic police, RSA, insurance companies and other services (more than 11 sources of information in total).

The cost of one report is 349 rubles.

After checking the car on the Avtocod.ru website you:

find out the real year of manufacture and number of owners, mileage, customs history;
you see information about the car’s involvement in an accident, repair work;
study information about the bank deposit or its absence, the use of the car in a taxi;
check the car for theft and the presence of restrictions on registration actions.

Thanks to the mobile application, you can run the scan whenever and wherever you want.

Passing a technical inspection for compulsory motor liability insurance will now follow the new rules

On May 23, the State Duma approved a bill regarding the rules for undergoing technical inspection of vehicles (MV). Representative of the Russian Union of Auto Insurers (RUA) Sergei Efremov spoke about the upcoming changes.

As Efremov explained, the State Duma is currently considering two more projects regarding technical inspection. The approved innovations relate directly to the procedure for undergoing maintenance, and in parallel, amendments to the Administrative and Criminal Codes related to liability for failure to comply with established maintenance rules are being considered. All three bills will come into force simultaneously one year after their official publication.

It is no secret that the main dissatisfaction with RSA was caused by the increasing cases of fraud in the field of compulsory motor liability insurance, when clients purchased policies thanks to fraudulent diagnostic cards. The Union has identified widespread cases of cards being issued without undergoing vehicle maintenance, which is a violation of current legislation. In this regard, RSA, together with insurance companies, has prepared a document tightening the requirements for the technical inspection procedure.

What exactly will change in the inspection procedure?

The bill approved by the State Duma provides for amendments to the maintenance algorithm in several directions at once. This will increase the reliability of the data received about the vehicle, and will also help counter fraudsters in the compulsory motor insurance market.

Firstly, the requirements for maintenance operators (MTOs) and those persons who carry out inspections have changed:

OTO will now have to have an official website on the Internet.
Maintenance operators will be required to undergo competency testing. Once accredited, operators will be required to undergo certification every two years, with the exception of the first year, in which case they will be tested six months after the first certification.
Accreditation will be issued by RSA, and this procedure can take place both in documentary form and during direct visits of Union representatives to service stations. In addition, the RSA is authorized to conduct inspections without any warning and involve traffic police officers in this procedure.
The changes also affected individual entrepreneurs. Now, even if they have the appropriate qualifications, they have the right to service only one diagnostic line.

Secondly, the order of the inspection process is changing:

In the near future, EAISTO will be created - a unified system that will contain all data on completed technical inspections. These data themselves will be issued in the form of electronic documents, each of which will have to sign the GTO electronically.
In addition to expert opinions, EAISTO will also store photographs of the vehicle, the coordinates of the completed maintenance and its time limits.
State control over the vehicle maintenance procedure will now also be carried out by the State Traffic Safety Inspectorate. First of all, this will affect bus owners: inspection staff will be required to participate in the procedure for their technical inspection.

Changes have also been made to the methodology for calculating the throughput of a service point and standards have been established for attaching photographs and geolocations of completed technical inspections. Experts note that these measures aimed at combating fraud in the insurance industry may well increase the level of reliability of information about vehicles and thereby reduce unprofitability in the online compulsory motor liability insurance market.

Technical inspection in Moscow

Price for technical inspection in Moscow

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Apply for MTPL online

After receiving the EAISTO number of the diagnostic card (required for OSAGO), and restoring the KBM, we recommend that you issue an OSAGO policy online in 12 minutes from a reliable insurance company (AlfaStrakhovanie, Renaissance, Tinkoff Insurance, Consent, and others). Calculate compulsory motor liability insurance without additional charges