Time limit for consideration of an application for concluding an MTPL agreement

The insurer does not have the right to refuse to conclude a compulsory motor liability insurance contract to a vehicle owner who has applied to it with an application and submitted the necessary documents, or to condition its conclusion on the purchase of additional services

In order to conclude a compulsory motor liability insurance contract, the policyholder has the right to contact any insurance organization that provides compulsory insurance, which does not have the right to refuse to conclude a compulsory motor liability insurance contract, provided that the insured provides all the necessary documents, as well as impose additional services when concluding a compulsory motor liability insurance contract, conditioning their purchase on the possibility of carrying out compulsory insurance . In addition, if a mandatory voluntary insurance agreement is concluded in addition to compulsory motor liability insurance, the policyholder has the right to cancel the voluntary insurance agreement within 5 working days from the date of its conclusion and return the paid insurance premium.

In addition, it is clarified that:

— when concluding a compulsory motor liability insurance agreement, it is necessary to pay attention to the correctness of filling out the application for concluding a compulsory motor liability insurance contract, including information that affects the amount of the insurance premium under the compulsory motor liability insurance contract;

— the list of documents submitted to the insurer is established by paragraph 3 of Article 15 of the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners”;

— by agreement of the parties, the policyholder has the right to submit copies of documents necessary for concluding a compulsory motor liability insurance agreement;

— in cases provided for by the rules of compulsory motor liability insurance, these documents may be submitted in the form of electronic documents;

— the period for consideration by the insurer of an application for concluding an MTPL agreement is not provided for by the current insurance legislation, however, the rules of professional activity for MTPL insurers, approved by the RSA, provide for the obligation of the insurance organization to conclude an MTPL agreement on the day the client applies (in the case of a vehicle inspection - no later than 5 days from day of application);

— an MTPL agreement can also be concluded in electronic form, while the conclusion of an MTPL agreement in the form of an electronic document is not allowed if the information provided by the insured does not correspond to the information contained in the AIS MTPL;

— on the official website of RSA you can find the information necessary for calculating the insurance premium under the MTPL agreement, including information about the bonus-malus coefficient;

— all violations committed by insurers when concluding MTPL contracts must be reported to the Bank of Russia.

Clarifications were given on the issues of concluding MTPL agreements

For the purpose of concluding a compulsory motor liability insurance contract, the owner of a vehicle has the right to choose any insurer that provides compulsory insurance. At the same time, the insurer does not have the right to refuse to conclude a contract if the car owner has applied to him with a corresponding application and submitted all the necessary documents. In addition, in accordance with the law on the protection of consumer rights, he does not have the right to impose additional services when concluding an MTPL agreement.

The policyholder has the right to cancel a voluntary insurance contract concluded in addition to the MTPL contract within 5 working days from the date of its conclusion and return the paid insurance premium.

When concluding an MTPL agreement, you must pay attention to the correctness of filling out the application, including information that affects the amount of the insurance premium.

The list of documents submitted to the insurer is given in clause 3 of Art. 15 of the law on compulsory motor liability insurance. Moreover, by agreement of the parties, the policyholder has the right to submit copies of them. In cases provided for by the rules of compulsory insurance, documents can be submitted electronically. If the contract is concluded electronically, it is enough to provide an application. Insurers gain access to information contained in other documents through information exchange with relevant authorities and organizations.

The current insurance legislation does not provide for a period for consideration of an application for concluding a compulsory motor liability insurance agreement. However, the rules of professional activity for MTPL insurers provide for the obligation of the insurance organization to conclude an agreement on the day the client applies (in the case of a vehicle inspection - no later than 5 days from the date of application) in the presence of all the necessary documents and without purchasing additional services.

The MTPL agreement cannot be concluded in the form of an electronic document if the information provided by the policyholder does not correspond to the information contained in the AIS MTPL.

After the policyholder pays the insurance premium, the insurer sends him the insurance policy in the form of an electronic document signed with an enhanced qualified electronic signature.

On the official website of the Russian Union of Auto Insurers (RUA) you can check:

information on the insurance tariff coefficient (IBM coefficient) necessary for calculating the insurance premium;
the accuracy of the accrued insurance premium (using the compulsory motor liability insurance calculator).

In accordance with Art. 15.34.1 of the Code of Administrative Offenses of the Russian Federation, an unjustified refusal by an insurance organization to conclude an agreement, in particular an MTPL agreement, or the imposition of additional services shall entail the imposition of an administrative fine on officials in the amount of 50 thousand rubles.

All violations committed by insurers must be reported to the Central Bank of the Russian Federation, including with the attachment of relevant supporting materials indicating signs of violation of the law.

The document is included in the ConsultantPlus ATP

What are the deadlines for considering an application under a compulsory insurance contract under compulsory motor third party liability insurance?

Hello! I wrote an application for concluding a compulsory insurance agreement under MTPL. Sent by mail. How long must it take for a response to arrive from the moment the letter is received within the time limits established by law? i.e. the time frame for consideration of the application?

Good evening! Within 30 days, your application must be reviewed and an agreement must be concluded.

In order to speed up obtaining a policy, you can try contacting the insurance company with a request to calculate the insurance premium.

(approximately the following content: “based on clause 11 of the Rules for compulsory civil liability insurance of vehicle owners (approved by Decree of the Government of the Russian Federation of May 7, 2003 N 263), please

1. provide a written calculation of the insurance premium based on the information previously provided by me in the application for concluding the MTPL contract____ dated ““ 2016.

2. Provide bank details for non-cash payment of the insurance premium. Please inform me about the readiness of the documents by phone _______. FULL NAME. Signature. Date of.").

The policyholder has the right to demand from the insurer a written calculation of the insurance premium to be paid. The insurer is obliged to submit such a calculation within 3 working days from the date of receipt of the corresponding written application from the policyholder (Article 11 of the Rules for compulsory civil liability insurance of vehicle owners (approved by Decree of the Government of the Russian Federation of May 7, 2003 N 263)

Three business days after receiving your application, request the insurance company to calculate your insurance premium. If a calculation is provided, you will need to pay money and receive a policy.

A compulsory insurance policy is issued to the insured directly upon payment of the insurance premium in cash, and in the case of payment by bank transfer - no later than the business day following the day the insurance premium is transferred to the insurer's bank account (Clause 24 of the Rules for compulsory civil liability insurance of vehicle owners funds (approved by Decree of the Government of the Russian Federation of May 7, 2003 N 263)

Download the application form for compulsory motor liability insurance 2019 - how to write an application for insurance under compulsory motor liability insurance and what is the period for its consideration?

In our country, in order to receive any service, you must provide a whole package of documents. OSAGO is no exception, which in turn obliges you to collect the necessary papers. Of course, you received the bulk of the documents after purchasing a car or any other vehicle, but there is one more piece of paper that you need to draw up yourself - this is an application. This is exactly what we will talk about today.

Application to an insurance company for concluding an MTPL agreement in 2019

The application for concluding a public contract consists of three sheets of A4 format, in which it is necessary to indicate personal data, data on the car, and also, in the case of limited insurance, data on persons authorized to drive.

In order to have an idea of what kind of document this is, you can see a sample of filling out an application for an MTPL policy.

Now let’s look in detail at which line should contain which information.

At the very top there should be the name of the insurer, in other words, the name of the insurance company that provides the service for issuing an MTPL policy.

In paragraph 1, we indicate the full name, date of birth, series and number of the identification document, registration address, telephone number and the period for which the policy will be issued.

In the second paragraph, we indicate the details of the owner of the car. If you are the owner, then you need to duplicate the data from the first paragraph. Also, in this section we enter the car data: make, model, category needed to drive it, vehicle identification number, year of manufacture and power (in l/s and kW). In addition, here it is necessary to indicate the maximum weight (for freight vehicles), the number of seats for passengers (for buses, trolleybuses and trams), the chassis and body number, the vehicle registration document, its series, number and date of issue. But that's not all. On the second page of the application we indicate the series, number and date of the next technical inspection. Below we highlight the options that are suitable for your vehicle.

In the third paragraph, indicate the desired type of insurance (limited or unlimited). If the circle of persons is limited, in the table below we indicate everyone who will be able to drive the vehicle.

The next point asks us to indicate the period of use of the vehicle. If you want to operate it only at certain times of the year, then this should be entered according to the example. There is also a clause in which you should enter the series, number and name of the insurer of your previous contract.

The fifth point is special information. As a rule, the operators themselves make notes in them. But the line below includes the series and number of the newly issued policy. Next is your signature, its transcript and the date of filling out the application.

The sixth paragraph indicates the coefficients on the basis of which the insurance premium is calculated.

Well, the last point is some more special notes. Next comes the signature and transcript of the insurer, as well as the date the application was filled out.

As you can see, there is nothing complicated here. You have all the documents to fill out at your fingertips. And what is not clear can always be clarified.

How to write a letter to an insurance company about concluding an MTPL agreement

How can you make this statement if most people simply don't know their odds? But every cloud has a silver lining. In our country, as they say, everything is for the people. So, this application can be completed directly at the insurance company, where the operator will help you fill out all the necessary items.

If you yourself know where and what needs to be indicated or this is simply not the first time you have encountered this, then in your case you can download the application form for compulsory motor liability insurance for 2019 on the RSA website or on the websites of insurers.

In addition, today respected drivers have the opportunity to issue themselves a policy online. Consequently, you submit your application via the Internet, which in turn significantly saves time and nerves.

Deadline for reviewing an application for compulsory motor third party liability insurance in 2019

When submitting an application, as a rule, a certain period of time is provided for its consideration. However, for an application under compulsory motor liability insurance there is no time frame that could be regulated by law. Based on this, we can conclude that upon accepting your application, the insurance company immediately provides you with the service of providing civil liability insurance.

What is the period for reviewing an application for compulsory motor vehicle insurance?

unfounded and unlawful.

CONCLUSION: You have the right to conclude an agreement at any time, it is public, the insurance company has no right to refuse its conclusion, but the insurance company has a 30-year period for acceptance or refusal.

There are no exact deadlines in the law on compulsory motor liability insurance, but there are in the Civil Code.

“Civil Code of the Russian Federation (Part One)” dated November 30, 1994 N 51-FZ (as amended on December 31, 2014)
Article 445. Conclusion of a contract is mandatory
. In cases where, in accordance with this Code or other laws, the conclusion of an agreement is mandatory for the party to whom the offer (draft agreement) is sent, this party must send to the other party a notice of acceptance, or refusal of acceptance, or acceptance of the offer on other terms (protocol of disagreements to the draft agreement) within thirty days from the date of receipt of the offer.