Buying a car is a responsible business. First you need to choose a model, conduct its test drive, evaluate the profitability of the purchase, and also look for a bona fide seller or car dealer. After the rights to the movable object are transferred to the buyer, he will have to face some kind of paperwork. For example, it will be necessary to register the vehicle, as well as issue a car insurance policy. Such processes cause a lot of trouble. For example, some are wondering if it is possible to insure a car in another region? And if there is such an opportunity, how can I use it? Every car owner should understand all this. And the one who wants to buy a vehicle, too. The information presented is current.
The need for insurance
Is it possible to insure a car in another region without a host or with his presence? First of all, it is worth noting the need to draw up an insurance policy on a car. How important is this operation? Can it be avoided?
Vehicle insurance is required. Without it, a citizen will not be able to drive transport legally. A car insurance policy is issued for all vehicles registered with the traffic police, with rare exceptions.
What can you do without a policy?
Is it possible to insure a car in another region if the insurance is over? It is necessary to pay attention to the fact that the car insurance policy is not issued for all vehicles. There are a number of exceptions.
No need to insure the vehicle, which:
- recognized as defective;
- cannot accelerate over 20 km / h;
- registered abroad;
- owned by the country's ministry of defense.
Other cars and motor vehicles will have to be insured. Otherwise, the owner of the car will be brought to administrative responsibility.
Insurance in another city - a fairy tale or a reality?
Is it possible to insure a car in another city? To give the most correct answer to the question asked, you need to carefully study the laws in force in the Russian Federation.
The established rules state that the owner of the car must compulsorily issue a hull or motor third-party liability insurance policy for his movable property. Otherwise, the owner of the vehicle will be held accountable.
With all this, citizens can choose their place of registration of a car and registration of a car insurance policy on their own. Therefore, it seems possible to cope with the original task. True, for this in some cases you have to try pretty hard.
The role of registration in operations
Is it possible to insure a car in another region without registration? And with temporary registration?
The established procedure for applying for a motor insurance policy does not indicate that the owner of the vehicle must be registered at the place of insurance of movable property. However, you can’t do without registration.
The thing is that during his stay on the territory of the Russian Federation the applicant must have a temporary or permanent residence permit. Its complete absence will lead to a refusal to apply for a comprehensive insurance or motor third party liability insurance policy.
But the place of registration does not play any role. Therefore, registration is important for an automobile policy only indirectly.
Where to go for a service?
Is it possible to insure a car in another region? Rosgosstrakh and other companies are required to provide this service. And even provided that the person does not issue the policy of registration.
The legislation of the Russian Federation allows the population to independently choose both the place of registration of transport, and the insurer for registration of the policy of the established form.
Where exactly to apply for Casco or CTP? It is recommended that you study the list of insurance companies in your city. Only in this way will it be possible to understand where and on what conditions they help to draw up automobile policies.
Briefly about design
I wonder if it is possible to insure a car in another region if insurance has ended or the vehicle has changed its owner? Then it’s worth understanding the features of getting the corresponding service. It is not as difficult as it seems at first glance.
Instructions for applying for a car insurance policy are as follows:
- Purchase a vehicle and prepare a certain package of documents. It is described in more detail below.
- Choose an insurance company to receive the service being studied.
- Submit the application (it must be taken and filled in advance) to the selected organization.
- Pay for the issuance of an insurance policy of one type or another.
- Take from the company a document certifying the insurance of movable property.
That's all. As a rule, the service studied is provided as soon as possible. The main thing to remember is that the MTPL policy is mandatory for traveling on vehicles on the road. Without it, you will have to face administrative responsibility.
Documents for the policy
Some vehicle owners do not know how to apply for a car insurance policy. We have already figured out this process. But what papers will be required to accomplish the corresponding task?
The following documents are included in the list of documents for a car insurance policy:
- driver's license;
- filled in application for insurance services;
- technical passport of a car or other transport;
- diagnostic card;
- identifier of the owner of the vehicle;
- title documents for movable property;
- military ID (if available).
If the transport is purchased on credit or mortgaged, you will also have to bring documents confirming the relevant burdens. Otherwise, you will have to face a denial of insurance services.
Important: it is recommended to take with you to the company a certificate of residence.
Why is it better not to take risks?
Is it possible to insure a car in another city? Based on the foregoing, it follows that every car owner has a similar right. Only such an operation can cause a lot of trouble.
It will be problematic to contact the insurance company not by registration, or even in another city in case of an accident or other insurance case. Especially when the selected company does not have branches in the region where the car owner lives.
In addition, difficulties may arise when changing the vehicle data or personal information about its owner. Perhaps the citizen wants to add another driver to the insurance. All this will have to be performed at the place of issue of the CTP or CASCO policy.
The main problems when receiving a service
We found out whether it is possible to insure a car in another region. And how to cope with the task in one case or another, too. And what problems can arise in the process of obtaining insurance for a car not at the registration of the owner?
Insurance companies may try to refuse such services. For example, if they do not have branches in your city. This is an illegal refusal.
Responsibility for the absence of a policy
Is it possible to insure a car in another region by temporary registration? Yes, as in constant. What will be the lack of a car insurance policy?
A citizen faces a penalty. She is eight hundred rubles. The penalty is administrative in nature and can be issued infinitely many times, but not more than once by the same traffic police post per day.
Important: do not apply for a car policy and registration documents on a vehicle only ten days.The countdown begins from the moment of transfer of rights to movable property to the new owner.