MTPL insurance when purchasing a used car

How to apply for compulsory motor liability insurance when buying a used car

Buying a used car comes with a number of questions. One of them is how to issue a compulsory motor liability insurance policy for a used car.

OSAGO is compulsory civil liability insurance for all road users, without which you cannot drive a car. The MTPL policy is a guarantee of compensation for losses to traffic participants who or whose vehicles were damaged in an accident and were not found to be at fault for the incident.

In this material we will introduce you to the nuances of obtaining a motor vehicle license.

Content

What documents are required to obtain compulsory motor liability insurance when purchasing a used car?

To apply for a policy, prepare (for individuals):

Policyholder's passport;
PTS;
A diagnostic card with a fresh mark or an inspection certificate;
The owner's driver's license and copies of the driver's licenses of other drivers who will be included in the policy. For a policy without restrictions on the number of drivers, copies are not needed;
An application, the form of which is issued to the insurance company. The applicant is only required to correctly fill out all the lines.

Important! Check the list of documents with the insurance company whose services you plan to use. It can be expanded by internal regulations.

It is worth noting that no insurance company can issue MTPL insurance without a diagnostic card. It confirms that the car has passed a technical inspection, has no defects that prohibit the operation of vehicles, and is allowed to drive.

Once all the necessary documents have been collected, you can begin purchasing the policy.

Where to apply for compulsory motor liability insurance

There are several ways to obtain insurance. The best option for obtaining a policy is the official office of the insurance company. Before you go shopping for insurance, it is worth checking whether the company has a sufficient number of policy forms.

You can use the services of an insurance broker. This option is convenient, since agents often go to meet clients and bring documents themselves. However, it is worth purchasing a policy only from trusted brokers.

When purchasing from an unfamiliar broker, the cost of insurance may be much cheaper, but there is a risk of receiving compulsory motor liability insurance on a fake form. It is very difficult to find a conscientious broker, because they “feed” on a percentage of sales and are ready to commit any deception. How to avoid falling into a trap? Before getting down to business, collect as much information as possible about the broker and, of course, check the license. Also, don’t be lazy to call the insurance company and find out whether this employee really works for them. If you find a good specialist, he will help you purchase a policy quickly and as profitably as possible.

Registration of compulsory motor liability insurance when purchasing a used car is complicated by the inability to buy insurance online. The system generates an error if the owner and his car were not insured under MTPL in the previous year.

It is worth noting that you must purchase a car title for a used car within 10 days after purchase.

How to get insurance for a used car

To obtain a motor vehicle license, you need to complete several steps:

Choosing an insurance company;
We check for the presence of a technical inspection mark and pass it if necessary;
We collect documents;
We visit the office of the insurance company, carefully fill out all lines of the application, provide documents;
We pay the required amount and receive a policy, the data in which we carefully check with the originals.

Add the insurance company's support phone number in case of an accident to your contact list;
Carefully read the rules of the insurance company, carefully fold the forms for registration of an accident (they will be issued along with the insurance policy);
Check the presence of the original check attached to the OSAGO form. Otherwise, the insurance payment may be subsequently denied due to the lack of a payment receipt.

Remember! OSAGO is insurance of the driver's liability to other road users, not the car, so the latter is not required to obtain a motor vehicle license.

How much does it cost to get an MTPL policy?

MTPL tariffs are fixed and regulated by the state.

The cost of insurance depends on:

the age and driving experience of the driver (if several people are included in the insurance, then the cost of the policy is calculated according to the least driving experience and age);
on the presence of accidents, the year of manufacture of the vehicle;
type of vehicle (truck/car);
the period for which the insurance is issued;
region in which insurance is issued.

You can find out the price of the policy using the service Calculation of the cost of compulsory motor liability insurance on the RSA service. The procedure will not take much time, and you will know in advance how much you will pay for insurance.

You can check your car's current insurance information and find out the vehicle's operating history using the Autocode service. From the full report, in addition to data on compulsory motor liability insurance, you will receive data on mileage, accidents, fines, restrictions, technical. inspections and much more. The cost of one report is 349 rubles.

Applying for an MTPL policy when purchasing a used car in 2019

Asking a lawyer is faster than reading!

Ask a question right now and get a free consultation. We will respond within 5 minutes and solve even the most difficult situation.

OSAGO is a mandatory type of civil liability insurance for every road user - this is specified in the Federal Law “On OSAGO”. The presence of an insurance policy guarantees the owner of the car and other road users compensation for losses incurred as a result of an accident. Citizens who own or are purchasing a new or used car can take out an insurance policy.

How to apply for compulsory motor liability insurance when buying a used car in 2019?

There are several ways to renew insurance when selling a car that was previously in use:

through the Internet;
at the office of the insurance company;
using the services of an insurance broker.

Each option has several of its own characteristics.

Design methods

The opportunity to apply for compulsory motor liability insurance when changing the owner of a used car via the Internet is provided to vehicle owners by all major insurance companies. The advantages of this method include a quick registration process (this can be done in your home using a laptop or PC), but the disadvantages are the need to fill out the required document forms yourself (without prompting from a consultant).

If you don’t want to take out an insurance policy yourself, you can use the services of special agents (brokers). In this case, the cost of the policy may be lower than when issued at the office of the insurance company, but there is a risk that the broker will be dishonest and provide compulsory motor liability insurance on a fake form.

Contacting the office of the insurance company is the best way to apply for compulsory motor liability insurance for a used car. To use it, the car owner will need to prepare the car for a preliminary inspection and come to the insurer’s office with a package of documents.

Policy registration algorithm

To apply for compulsory motor liability insurance after purchasing a car second-hand, the new owner of the car will need to complete the following steps:

Select an insurance company.
Read the list of documents required by the insurer to obtain insurance.
Prepare a package of necessary documentation.
Contact the office of the insurance company - write an application for registration of compulsory motor liability insurance, provide a package of documents and a used car for a preliminary inspection.
Pay the required amount for obtaining the policy and receive it in your hands.

Having received the document, it is recommended to check it for the accuracy of the information filled in (for example, information about the car and its owner).

What documents are needed?

Individuals who have become the owner of a used car under a purchase and sale agreement will need to prepare the following necessary documents in order to obtain an MTPL insurance policy:

original passport of the citizen applying for insurance;
inspection ticket or diagnostic card for the car - these documents must contain a note that the car has successfully passed the technical inspection, does not have any problems and is allowed to drive;
PTS or a certificate confirming that the car has passed state registration as a vehicle;
application for insurance - filled out on letterhead provided by the insurance company;
original and copy of the driver's license of the citizen taking out insurance for a purchased car that was previously in use;
original purchase and sale agreement for a used car.

Possible problems when applying for an insurance policy

The owner of a purchased used car in the process of obtaining compulsory motor liability insurance may encounter some difficulties associated with:

the need for pre-registration if the choice fell on the IC office;
the possibility of imposed additional services by the insurer;
requirement from the Investigative Committee to visually inspect the vehicle.

In some regions of the country, insurance companies recommend that owners of purchased used cars pre-register for compulsory motor liability insurance. Moreover, if the owner of the car does not show up at the insurer’s office at the appointed time, he will need to re-register for an insurance policy.

Insurance companies, in the process of obtaining insurance for a purchased used car, often impose additional insurance products on the car owner. The owner of the car has the right to refuse an additional product, but this may serve as a reason for increasing the cost of the MTPL insurance policy, which is also illegal.

Insurance companies that issue compulsory motor liability insurance when purchasing a used car may require the owner of the vehicle to provide an opportunity for a representative of the insurer to carry out a visual inspection of the car. The inspection process does not take much time, but registration for the inspection can be done several days (sometimes weeks) in advance.

Registration of compulsory motor liability insurance when purchasing a used car

How does obtaining compulsory motor liability insurance when buying a used car differ from similar actions, but in relation to a new car? Those who are more concerned about this issue are newcomers, not only in car insurance, but also on the road in general. It is for them that we will tell you whether there are any fundamental features of obtaining a policy for an old car, and whether the age of the car is as important as, for example, with CASCO.

The nuances of obtaining used vehicles

What are the features of obtaining MTPL insurance when purchasing a used car? The main and main difference from the situation of issuing a mandatory motor third party liability policy for a new vehicle is the need to obtain a diagnostic card, which is possible only after a full maintenance. Moreover, only technical stations accredited by the RSA can issue a vehicle inspection document. service.

When to take out an MTPL policy when buying a used car? This issue is regulated by law. Both used and new cars must be insured within 10 days from the date of conclusion of the policy.

Purchasing compulsory motor liability insurance after purchasing a car from a dealership is greatly simplified, since for 3 years you do not need to provide a diagnostic card upon registration. Accordingly, when insuring the new owner of a used vehicle, you will first need to visit a service center, provide the car for inspection, pay for and pick up a diagnostic card, and only then go to the insurance company.

Another difference is that when buying a car from a dealership, you can apply for compulsory motor liability insurance directly from the dealer, but if you buy a used car, you won’t be able to get the service when concluding a policy.

How to get insurance for a used car

What documents are needed in order to obtain an MTPL policy when purchasing any used car? The list of papers is as follows:

diagnostic card;
certificates of all drivers who will be allowed to drive;
personal passport;
statement;
PTS;
PrEP.

In cases where the new owner will be represented by any authorized person, an additional power of attorney will be required to be provided to the insurance company. Many motorists prefer to have it certified by a notary so that there are no unnecessary questions, but you can try to get insurance with a simple power of attorney.

Obtaining an electronic policy is impossible, since for compulsory motor liability insurance it is necessary to provide information that the employee will enter into the RSA database. You should write both general information about the issuance of insurance and make changes regarding the change of owner.

How to apply for compulsory motor liability insurance? Is the presence of the previous owner required to confirm that the car was actually purchased? No, the owner or his authorized representative can visit the insurer, and confirmation of the purity of the transaction will be a copy of the purchase and sale agreement, which is simply attached to the package of papers. During the 10 days while the car is registered to the new owner, no fines are imposed for driving without insurance, so you can come to the car service for a diagnostic card directly with the purchased vehicle, so as not to spend money on a tow truck.

No serious difficulties are expected when submitting an application to the insurance company. If all the documents are provided, the paper will be processed fairly quickly, since the age of the vehicle in this insurance system does not matter. All that remains is to get the policy itself, and then contact the traffic police and re-register the vehicle in your own name.

The owner has the right to contact absolutely any insurance company that he considers suitable. By law, purchasing a policy is an act of concluding a public contract, i.e. they cannot refuse to issue this document, even if the car is a used one. Usually insurance companies resort to tricks, saying that they have run out of forms or they are not authorized to issue insurance for such cars without compulsory life insurance. You need to understand that this is already illegal and there is a certain responsibility for this, so you need to complain to the Central Bank and the RSA.

How to get MTPL insurance when buying a used car? Step-by-step instruction

Buying a used car second-hand rather than from a showroom is cheaper. And since April 2011, it’s easier than before to purchase a car in person.

The new rules state that paperwork for the car is entirely the responsibility of the buyer.

But with registration of compulsory motor liability insurance there are features that are related to the technical inspection of the car and the rules for obtaining insurance. To avoid unforeseen situations, there are clear instructions.

Who retains the policy after a change of ownership?

The first question that worries both the buyer and the seller is who has compulsory motor liability insurance when buying and selling a vehicle if the owner has changed? Leaving paid insurance unattended is not rational. If the insurance policy is valid for another month, then this is one thing and does not cause much concern. But what to do in a situation when the policy has just begun to take effect?

The options are as follows:

The policy remains with the previous owner of the vehicle, he then issues it for a new car (find out how to quickly and correctly issue compulsory motor insurance for a new car here).
OSAGO is re-registered for the new owner of the car.
The insurance is returned to the insurance company with compensation (find out how to return part of the money when returning the policy when selling a car here).
A new person is added to the insurance policy to use it.

Changing the owner of compulsory motor insurance to the new owner of the vehicle does not fully transfer to him all the responsibilities and rights relating to insurance.

“Owner” and “policyholder” are not identical concepts : the policyholder is the person receiving the insurance, it is issued to him, and the owner is the direct owner of the car. If you use insurance, then all bureaucratic procedures fall on the policyholder, and not on the owner.

A convenient option is to change only the owner in the MTPL policy when selling a car or gifting it to loved ones. If the transaction is carried out by strangers, both the owner and the insured change in the insurance.

Re-registration methods

How to insure a car after buying it second hand? To reissue an insurance policy, the following measures are taken:

We visit the office of the insurance company that issued the policy. If the owner and insured change, the old and new owners of the vehicle must be present. If only the car is changed, then only the current policyholder is present.
Prepare the necessary documents: MTPL policy, purchase and sale agreement, PTS of a new car (if the car in the policy changes), PTS of the old car and the passport of the new owner (if the insured and owner change).
The option of re-registration of compulsory motor liability insurance takes place at the insurance company. There are cases when the cost of the policy is recalculated. If the insurance includes a car with more power than the old one, or the new owner has less experience.

There are insurers that do not allow this practice of re-registration, then it is impossible. Such aspects are clarified at the office of the insurance company. If new persons are added to the insurance policy, the procedure for re-registration is similar to that described above.

The practice is used when a car with a compulsory motor liability insurance issued for it is transferred to another person for use under a general power of attorney. The rights to the car remain with the policyholder, but the use of the vehicle is permitted by another person.

Find out more about how to renew insurance for another car or a new owner in this material.

How to apply?

When purchasing a used car, the law allows 10 days to issue a policy with MTPL insurance (Article 4 of the MTPL law). Purchasing a used car policy is available from many insurance companies. The largest companies: INGOSSTRAKH, AlfaStrakhovanie, TinkofStrakhovanie.

Required documents

Documents required to obtain insurance:

Valid diagnostic card. If its term ends, it undergoes maintenance. The car is delivered for maintenance by the previous owner or a tow truck.
After passing the inspection, a package of basic documents is collected:

passport;
diagnostic card (TO coupon);
driver's license;
registration certificate

Registration of insurance. This is done in the standard way when contacting an insurance company. Purchasing an electronic MTPL policy will take less time.

The insurance policy is issued to the new owner. If the policyholder is listed only as a person authorized to drive a vehicle, then it will be impossible to register with the traffic police.

An application for conclusion of the contract is attached.

It is drawn up in advance or written directly at the insurer’s office.

If the previous insurance contract is terminated early, you will need a certificate from the insurance company where the car owner was previously served. The help contains the following points:

how many insured events occurred;
what is the nature of the insured events;
insurance period;
what insurance payments were made;
whether there were unresolved claims of the injured party.

After concluding the contract, the policyholder receives from the insurer the original insurance policy with stamps and signatures. A list of company branches where customer service is provided is provided. The client receives 2 forms of notification of an accident. All documents received from the insurance company must be read carefully. If there are any uncertainties, you should immediately ask the insurance company employees.

The cost of a car license

The cost of an insurance product depends on certain factors. For the final price indicator, the following points are taken into account:

what brand of vehicle;
body type;
what is the power of the vehicle's power plant;
driving experience;
age of the car owner.

The final cost is influenced by the region where the car is registered. The emergency level on regional roads varies.

The cooperation agreement is concluded for a period of 1 year. When the contract expires, a new contract must be concluded.

Useful video

Watch a video on how to apply for an MTPL policy when buying and selling a used car:

Conclusion

If the car is sold, the OSAGO policy automatically expires. The new owner of a used car does not have the right to use it, even if the insurance has not expired. To prevent this, registration is carried out according to all the rules described above.

When selling a car with a valid MTPL, it is permissible to contact the insurance company with a demand for compensation for the remaining period of insurance: insurance companies must fully compensate for the cost of unused insurance .

Although in practice, problems often arise with refunds. The money is returned, but often less than expected. If the amount is significant, you need to complain to the Russian Union of Auto Insurers, it can influence the illegal actions of the insurer.

If you find an error, please select a piece of text and press Ctrl+Enter .

How to apply for compulsory motor liability insurance when buying a used car

Buying a used car comes with a number of questions. One of them is how to issue a compulsory motor liability insurance policy for a used car. OSAGO is...

Buying a used car comes with a number of questions. One of them is how to issue a compulsory motor liability insurance policy for a used car.

In this material we will introduce you to the nuances of obtaining a motor vehicle license.

What documents are required to obtain compulsory motor liability insurance when purchasing a used car?

To apply for a policy, prepare (for individuals):

Policyholder's passport;
PTS;
A diagnostic card with a fresh mark or an inspection certificate;
The owner's driver's license and copies of the driver's licenses of other drivers who will be included in the policy. For a policy without restrictions on the number of drivers, copies are not needed;
An application, the form of which is issued to the insurance company. The applicant is only required to correctly fill out all the lines.

Important! Check the list of documents with the insurance company whose services you plan to use. It can be expanded by internal regulations.

Once all the necessary documents have been collected, you can begin purchasing the policy.

Where to apply for compulsory motor liability insurance

It is worth noting that you must purchase a car title for a used car within 10 days after purchase.

How to get insurance for a used car

To obtain a motor vehicle license, you need to complete several steps:

Choosing an insurance company;
We check for the presence of a technical inspection mark and pass it if necessary;
We collect documents;
We visit the office of the insurance company, carefully fill out all lines of the application, provide documents;
We pay the required amount and receive a policy, the data in which we carefully check with the originals.

Add the insurance company's support phone number in case of an accident to your contact list;
Carefully read the rules of the insurance company, carefully fold the forms for registration of an accident (they will be issued along with the insurance policy);
Check the presence of the original check attached to the OSAGO form. Otherwise, the insurance payment may be subsequently denied due to the lack of a payment receipt.

Remember! OSAGO is insurance of the driver's liability to other road users, not the car, so the latter is not required to obtain a motor vehicle license.

How much does it cost to get an MTPL policy?

MTPL tariffs are fixed and regulated by the state.

The cost of insurance depends on:

the age and driving experience of the driver (if several people are included in the insurance, then the cost of the policy is calculated according to the least driving experience and age);
on the presence of accidents, the year of manufacture of the vehicle;
type of vehicle (truck/car);
the period for which the insurance is issued;
region in which insurance is issued.