Is it possible to rewrite the CTP for another car. What to do with CTP when selling a car? Which companies can I contact
The last thing that motorists who sell their car watch out for is the expiration date. This phenomenon puzzles both sellers and buyers of cars, which, in principle, is not surprising, because something needs to be decided with the remaining insurance.
In practice, there are not so few options for what to do with OSAGO when changing the owner, so the range of possible actions in such circumstances is quite wide. We'll talk about them in more detail in the article below.
It is not difficult to issue OSAGO!
As noted earlier, situations in which the owner of a car changes with a still valid OSAGO are not uncommon today. Of course, leaving insurance unattended is not so rational, because money has been paid for it.
It is one thing if the policy will last 1-2 months, but what if it “hasn’t lived” even a quarter of its validity? In such a situation, there are several options for action:
- reissue OSAGO for a new car, while leaving the policy with you;
- re-issue OSAGO for the new owner of the car;
- return to the company and;
- enter a new person into the "autocitizen" and give the policy to him for use (it is possible only if
- the car is transferred for use to another person).
Each of these procedures has its own characteristics, which are important to know and take into account in this or that course of action. So, for example, changing the owner in the CMTPL policy to the new owner of the car does not completely shift all the rights and obligations regarding insurance to him.
The fact is that the concepts of "insured" and "owner" are very different. That is, the insured is the person who received the insurance and for whom it was issued, and the owner is the direct owner of the car. Given this difference, it should be understood that if you need to use insurance, all the bureaucratic "fuss" will be on the insured, and not on the owner of the car.
It is most convenient to change only the owner in the CMTPL policy if the car is sold or donated to a close friend, but if the transaction is concluded with a stranger, both the owner and the policyholder need to be changed in the insurance, which is not always possible and easy to implement.
How to reissue a policy
We must not forget about the validity period of the OSAGO
As noted earlier, when selling or donating a car entered into it, you can re-register either for the new owner of the car, or for a new vehicle. To carry out any type of policy renewal, you will have to take the following measures.
- First, it is important to verify the availability and, if necessary, prepare the following documents:
- the OSAGO policy itself;
- or buying and selling;
- passport of the current policyholder under the policy;
- if desired, change the car in the policy - the title of the new car, which will fit into the policy;
- when changing the owner and the policyholder - the title of the old vehicle and the passport of its new owner.
- After preparing the documentation, you must visit the office of the insurance company that issued the OSAGO. It is important to consider here that when changing the owner and the policyholder, the presence of both the new and the old owner of the car is necessary. When changing a car, only a valid policyholder is needed.
- Directly in the office, the procedure for the selected option for re-issuing OSAGO in the standard manner of such an event is underway. It is worth noting that in some cases the cost of the policy will be recalculated, for example, in a situation when the car entered into the insurance has more power than the old one.
It is important to understand that some insurers may exclude this practice of re-issuing, so in such a situation it will not be possible. This aspect is clarified directly at the office of the insurance company and its presence will require the policyholder to take other measures.
In a similar manner to the above, new persons are entered into the policy. This practice is advisable in situations when a car with a compulsory motor third party liability insurance issued for it is transferred for use to another person under a general power of attorney. In this case, the rights to the car also remain with the policyholder, but another person can also use it.
Often spouses also resort to a general power of attorney. In any case, when using a vehicle in this way, it is important to enter its actual owner in the OSAGO policy at a given time in order to avoid any problems with authorized organizations.
When registering or entering a new person into the policy, its validity period remains unchanged.
How to get compensation for OSAGO
The validity period of OSAGO does not change when the owner is changed
In situations where re-issuing or entering a new person into the CMTPL policy from the car owner is not included in the plans, you can simply return the insurance back and receive compensation for the remaining period of its validity. This option is not difficult to implement and consists in performing the following procedures:
- Collect basic documentation:
- the OSAGO policy itself;
- the insured;
- contract of sale.
Contact the insurer's office with the appropriate statement. Get the calculation. It should be understood that with a small cost of OSAGO and a short period of validity of the policy for which compensation can be obtained, it is impractical to resort to this option, since the size of the returned funds will not be significant, and the time spent and the same money on the road to the insurer's office cannot be returned ...
It is possible to weigh the rationality of such an event if you calculate the compensation specifically for your case according to the following formula: REFUND AMOUNT = (POLICY PRICE * REMAINING INSURANCE PERIOD IN DAYS) / 365 - 23% OF THE NUMBER RECEIVED IN THE DIVISION
A deduction of 23% is charged from various expenses of the insurance company for events related to the termination of insurance, so you should not be surprised at it.
In general, there are plenty of options for dealing with OSAGO when changing the one entered into the insurance. Each motorist who has familiarized himself with the material presented above will be able to choose the most optimal one in such a situation. We hope today's article has provided answers to your questions. Good luck on the road!
Life hack about OSAGO insurance:
From one individual to another, the question arises about insurance. What to do with the insurance policy transferred to the new owner?
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After all, the seller bought and paid for insurance services, and now he has to part with the policy so easily?
Re-registration of a vehicle is carried out in two ways. This is either a donation of a car or the transfer of vehicles into new hands free of charge.
Another option is a sale and purchase agreement or the transfer of a car by proxy.
In all of the above methods, a separate role is assigned to the renewal of compulsory civil liability insurance from the previous owner to the new one.
The ways
OSAGO is an insurance policy, which is a mandatory document available in all car owners.
When selling a vehicle, insurance can either be transferred to the future owner by entering it into the policy, or terminate the agreement with the insurance company and receive compensation for the unused period of the policy.
Any method of transferring insurance rights from the owner to the acquirer is negotiated individually.
Having come to an agreement and having agreed, both parties go to the insurance company and report their decision. On the basis of their consent, the transfer of insurance is carried out.
As a result of the sale of the car and the renewal of the OSAGO, there are several ways to save your money spent on insurers:
- re-issue the policy by agreement of both parties, enter the new owner;
- terminate the contract early;
- reissue insurance for another vehicle.
By entering the new owner into the policy
If you agree that the new owner of the car would use your rights, then you need to contact the insurance company with your decision.
Previously, you should conclude a notarized agreement with the buyer, which says that the citizen of the purchased car is obliged to reimburse compensation for the time when you will not use the policy, and the car, respectively.
This process regulates, which states that in the case of transfer of rights and ownership of vehicles to another person in whose name the insurance is issued, then all obligations under the agreement are transferred to the buyer.
In the procedure for entering an individual into a document, the main point is that no matter what to miss the period and inform the legal organization information about the real owner of the car and reissue the policy for him.
However, it is not necessary to conclude a new transaction for the transfer of insurance rights; it can be entered into a sales contract in a separate clause and, accordingly, certified by lawyers.
Such a procedure can be carried out only if the buyer agrees, hoping for his understanding.
Through termination of OSAGO
When the buyer is not going to pay compensation and does not make contact, the next way out in matters of car insurance and saving your money will be the early termination of the agreement with the insurance company.
According to the procedure, the insurance institution undertakes to pay monetary compensation to the car seller for the period of unused insurance.
When concluding an insurance transaction, it contains clauses where the question of transferring an insurance policy is raised in the case of the sale of vehicles from 00:00 the next day after the transfer of the car.
In order to receive compensation based on the termination of the insurance contract from the company, it is necessary to provide a contract for the sale of a vehicle in advance, or rather on the day of conclusion.
Then you can count on payments from insurers for the specified period.
You need to contact the organization that issued the insurance. This option for compensation for damage is more reliable than the first, with the terms of which there is a notarized agreement between the parties.
But in case of termination of the agreement, about 20% of the cost of insurance will be taken from you.
With the alteration of documents for another car
The option of reissuing insurance for another car is very rare. Indeed, to complete the procedure, you need to have 2 cars simultaneously insured in the same organization.
Then, as a result of your purchase of a new car, all the rights of the policy from the old car that you sold will be transferred to it.
That is, you will have to pay much less money for OSAGO and the unused insurance time from the sold vehicle will not go anywhere, it will go to the new vehicle.
Which companies can I contact
As a result of reissuing insurance, it is necessary to choose an insurer, an institution that will deal with legal issues.
The choice of an insurance company is a crucial step, because your possible chances of getting compensation for OSAGO depend on the organization.
There are two options. The first one is to give preference to the re-registration of the same insurance company that issued the OSAGO to you. She will be more loyal to you and your problems.
In another case, it is necessary to look for a new institution, which will resolve the dispute between the buyer and the seller.
Below is a list of institutions that are engaged in the renewal of insurance policies as a result of the purchase and sale of a car, as well as the issuance of OSAGO:
Under the services, it is not the cost of OSAGO that is included, but specifically the payment for the work of employees and the re-registration of documentation and ownership rights for the OSAGO.
The buyer will have to pay the rest of the amount to the owner for using the time of his insurance.
When choosing insurers, pay attention to the reliability of the company, evaluating the work of the institution according to your criteria.
The cost of legal services should not be overlooked either. After all, companies take different amounts of money for similar work.
Pay attention to the bonus offers and discounts that the insurer offers. Try to take advantage of a great offer. This will provide an opportunity to save money.
To assess the reliability and efficiency of institutions, you can contact independent experts and brokers, view the rating of organizations in independent agencies and draw a conclusion about the company based on the information received.
What documents need to be collected for the seller and the buyer
As a result of the re-registration of the vehicle for a new owner and the transfer of insurance rights to the buyer in order to receive the money spent on insurance, the seller must provide documents that confirm the ownership of the car and the availability of OSAGO:
List of documents:
- the first document is a statement that is written in the insurance company about the return of the cost of unused insurance;
- a photocopy of the vehicle purchase and sale document;
- photocopy of the vehicle passport;
- directly insurance;
- receipts for payment of OSAGO.
It is not necessary to certify the above documents. Insurers do not really look closely at the data sheet and the sales document.
Their main goal is the insurance itself and the fact of its payment. However, it will attach copies of documents to the car stands to substantiate the requirements and prevent the employees of the institution from stretching the procedure for a long time.
The package of documents for the transfer of insurance as a result of a mutual agreement will differ only in a notarized agreement on the reimbursement of the cost of insurance by the buyer.
But this item can also be registered in the sales contract. How you manage your insurance is yours.
As for the buyer, he needs to have the following documents:
- Russian civil passport;
- a copy of the purchase and sale document.
The process of reissuing OSAGO
There are two ways to reissue insurance for a new car owner: by termination of the transaction and by mutual consent of the persons with the inclusion of the purchaser in the list.
As a result of the termination of the contract, the following steps must be passed:
- It is necessary to write an application to terminate the transaction with the insurer.
- Provide the company with a document of purchase and sale.
- Based on the documents, employees will cancel the agreement.
- You will be compensated for the unused policy time and a 20 -23% commission will be charged.
If the buyer is included in the policy, it is necessary:
- Pre-negotiate with the buyer, and conclude an agreement on the future reimbursement of the cost of the policy to the seller
- Notarize the agreement
- The insured must write an application with a request to enter it into the policy
- Both come to the insurance company and bring the buyer into insurance and replace the policyholder
How to act in a specific situation is up to you.
Are there any changes in 2020
Re-issuing an OSAGO policy when selling a car is a procedure for transferring rights to insurance from the seller to the buyer. The rights to OSAGO can be transferred both by mutual agreement and as a result of termination of the contract.
In 2020, under the age of three, canceled.
However, if you purchase a vehicle and want to reissue the insurance, you will have to go through MOT as a result of the termination of the insurance contract of the previous owner and the unwillingness to rewrite your current policy on you.
Accordingly, the insurer will change, with which the acquirer concludes a new contract and buys a policy in accordance with all relevant rules.
Since the policy is issued for a specific car, and its technical characteristics, make and model are indicated in the policy, it is generally impossible to transfer it to a second car. According to the second part of Article 6 of the federal law on OSAGO, in the event of harm caused by using a vehicle other than that specified in the insurance contract, the insurance is not valid. In this case, when selling a car, it is necessary either to terminate the contract with the insurer ahead of schedule (you can find out how to draw up an application for termination of the contract), or to draw up an agreement on the sale of OSAGO along with the car for a fee.
However, under certain conditions, it is possible to reissue the CTP policy for another car. The law allows you to reissue the policy if at least one of two conditions is met:
- you have two cars, one of which you sold, and the policy for the other in the same insurance company;
- you buy a new car immediately after selling the old one.
If one of these conditions is met, it is possible to reissue the insurance from one car to another. In other situations, you will have to prematurely terminate the insurance, or agree with the buyer of your car to reimburse you insurance premiums.
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Required documents
The procedure for reissuing OSAGO for a new car is standard and does not require the preparation of special documents.
To reissue, you must come to the insurer, write an application and provide the following documents:
- an agreement confirming the fact of the sale and purchase of your vehicle;
- vehicle passport in which the new owner is entered or a reference account.
You must also have with you:
- identity document;
- vehicle passport or vehicle registration certificate for the second car;
- driver's licenses of all citizens who are allowed to drive your car;
- CTP policies for the first and second car;
- a diagnostic examination card of the second vehicle (if the car is more than 3 years old).
We talked about what documents are needed for issuing an OSAGO policy in.
Step-by-step instruction
If your case fits the requirements described above, then it is very easy to reissue the OSAGO. You need to come to your insurer with the necessary documents and write a statement... Further, all the necessary actions will be taken by the organization with which you make insurance.
If the owner of the insurance and the owner of the vehicle are different people, then the insurer must go to the insurer's office, since only he can make changes (you can find out how insurance is issued for a trusted person).
Timing and costs
Important! Usually, upon termination of the auto insurance contract, the insurer withholds 23% of the insurance premium, but this amount is not charged when the policy is renewed.
Re-registration of insurance takes place immediately on the day of the applicant's request. When you renew the policy for another car, a portion of the insurance premium that you paid for the old car, but will not use in the future, is used to pay for the cost of the new vehicle liability policy. Thus, part of the cost of OSAGO of one car is transferred to the cost of OSAGO of the second. In order for such an accounting to be made, the cars must be insured with one insurer.
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The manager of the insurance company will calculate the cost of insuring a new car, if its cost turns out to be more than the insurance premium remaining from the first insurance, you will have to pay the difference. You do not need to pay a commission for concluding a new contract with the service provider.
For more information on how the price of OSAGO is calculated and how to check it online, you can find out in
Any renewal of the insurance policy is equivalent to amending the current agreement. The need for this directly arises when changing the insurance object. The operation to change the car, but without making changes to the policy, is a forced measure, to which insurance companies always relate unambiguously.
How to reissue OSAGO for a new car?
Any type of OSAGO can be reissued only with the direct participation of the insurer. The mistake of motorists is considered to be independent attempts to reissue, or not to take any action. The policy contains the details of the current insurer, which means that the document remains valid. This misconception leads to subsequent difficulties in obtaining the required reimbursement and the inability to reissue the insurance.
To reissue OSAGO for a new car, you must contact the insurer directly and hand over the current OSAGO to an authorized employee... When changing the car, no changes are made to the original document - this is prohibited by relevant legislation, since the car is the subject of an agreement between the parties and plays a key role in calculating the premium. It can only be reissued, but not terminated.
Consequently, only one method of re-registration is provided - the preparation of a new OSAGO by recalculating the previously assigned premium and deducting the commission. The remaining term of the policy is taken into account here. If it is insignificant, then it will be much easier to conclude new insurance without recalculating the possible premium.
If the company issued OSAGO remotely, and the user does not have the opportunity to visit the office on his own, it is allowed to send an application by mail. With a residual period exceeding 75% of the original duration of the document, the company will be obliged to reissue the OSAGO, with the calculation of the commission fee. The size of the commission should be specified in the agreement - it is prescribed in the section on amendments to the agreement. Refusal to pay commission (deducted from the aggregate premium) will result in refusal to amend the agreement, despite the change in its subject (car). Therefore, to carry out the operation, you need to contact the insurance company in one of the ways and re-register the subject of insurance.
List of documents
The documents for re-issuing the CMTPL policy for a new car are completely identical to the standard package that is presented by the motorist during the initial registration of the CMTPL.
Among them:
- Title of the vehicle entered in the policy - the application contains the VIN-code data and information on the year of manufacture and manufacturer;
- driver's license series;
- current CTP policy;
- standard statement;
- data on all drivers entered in OSAGO.
The insurance organization cannot require additional documents. The list is exhaustive and cannot be expanded. With such a decision of the company, the insured can (should) contact the PCA. All the measures prescribed in the profile will be taken here. FZ-201 (On OSAGO) , and the insurer will have to re-execute the previously concluded agreement. The name of the car does not matter - the mechanism is identical for all vehicles.
When sending documents by any mail, the policyholder uses only copies. A copy is removed from the CTP policy, and the original itself remains in the hands of the owner. In order to reissue the current OSAGO for a car, the TCP numbers of the new (replacing the old) car and the details of the driver's license are sent.
The procedure for reissuing an insurance policy
In this case, the termination of the contract with the insurance company is not implied, since the agreement is not terminated or closed. Corresponding amendments are made to it and it continues to operate further.
Initially, the insurer accepts the submitted application from its client. All circumstances of car replacement are studied and the remainder of the current OSAGO is calculated. If there is enough time left to conclude a new agreement, then the company will calculate the tariff for the new car - it will be possible to re-register at any price of the car - more and less than the previous one.
If the price is higher, the policyholder will have to agree to a change in the term of the concluded agreement or to make an additional transfer. The amount is announced after all calculations have been made. If the parties have no reason for not concluding an agreement and extending cooperation, the company will prepare a new policy within a week and hand it over to its current client (Article 213 FZ-201). The change in the tariff will affect the amount of the insurance premium in the event that the marginal (nominal) value of the car exceeds the maximum 1 million rubles, without reference to the country of the manufacturer.
Having bought a used car, the new owner wonders whether it is necessary to reissue the OSAGO insurance policy.
If the car was received under a sale and purchase agreement, then the old insurance is not valid, since the owner of the vehicle will change, and you will not be able to re-register the car to yourself in the same way as to operate it.
OSAGO - one of the main documents, thanks to which they control the car. This is spelled out both in the law on MTPL and in the traffic rules.
This article will cover:
- when the policy is reissued, and in what cases this can not be done;
- in what cases it is possible to drive a car without insurance;
- ways to reissue insurance;
- the procedure for reissuing a car.
When the insurance policy is reissued
Without proper insurance, the MREO inspector will refuse to re-register the car in your name. Therefore, before going to the registration office, you must either make changes to the current policy of the old car owner, or take out a new insurance.
In accordance with paragraph 2 of article 4 of the law on OSAGO, a citizen who has purchased a car is allowed to drive it for no more than 10 days from the date of purchase of the car. This time is given to the new owner in order for him to drive the car home and undergo a technical inspection, since without a diagnostic card, the MTPL policy will not be issued and the vehicle will be refused registration at the traffic police department. However, you should not operate the car often before taking out insurance. This is due to the fact that you will be compensated for the damage in full from your own pocket, and if identified, you will be discharged.
In addition, some traffic police inspectors will try to cheat you on paying a fine for driving without a policy. In this case, refer to the Resolution of the Supreme Court of the Russian Federation No. 12-AD13-3 dated January 21, 2014, which clearly states that within 10 days after purchasing a car, you can operate it without an OSAGO policy. Therefore, carry with you the purchase and sale agreement before the car is reissued in order to prove that the vehicle was purchased within a period of no more than 10 days. If the traffic police officers write out a decree for you, then it can be appealed in court.
Remember that if you do not re-register the car within 10 days, then you will be issued a decree from -2000 rubles.
If for some reason you did not meet the deadline with the registration of the purchased car, then the above penalty can be avoided in 2 ways:
- To issue another PrEP for a reliable person (spouse or friend) and then back with the completion of the TCP.
- Carry out registration actions through an authorized person by issuing a power of attorney for the traffic police.
In addition to the execution of the contract, there is also the transfer of the car by power of attorney. In this case, there is no need to reissue the insurance for the new owner, since the old owner of the vehicle remains the owner. Contact the insurance company so that its employees enter an additional driver in the policy, and then drive without fear of stopping and checking documents on the road. If the policy is issued without restriction on the right to drive, then you do not need to contact the insurance company.
How to renew insurance for a new owner
When buying a used car, there are several ways to deal with an auto insurance policy.
1. Make changes to insurance
Changes in information about the owner fit into the old policy without terminating it, but this solution is not a very good option for the following reasons:
- the insurance company must have a former car owner;
- the insurance company will require additional payments from you for the increased risks;
- you will need to financially compensate for the unused period of validity of the policy to the former owner of the car;
- in the event of an insured event, it is necessary to involve the seller of the car;
- the insurance is valid until the date specified in it.
The presence of the seller is not necessary if you issue a certified power of attorney, but this procedure is associated with additional costs. As a result, having decided to use the old OSAGO policy, you will spend more money than concluding a new insurance contract.
2. To issue a new insurance policy.
This option is preferable, since it is devoid of the disadvantages that arise when making changes to the old insurance:
- independence from the car seller;
- registration of a policy for a year;
- elimination of additional costs.
In this case, the seller can take the auto insurance policy to the insurance company, which will charge compensation for the unused time of the contract.
To obtain a policy for a purchased car, you will need the following documents:
- contract of sale;
- passport and driver's license of persons who will be entrusted with driving the vehicle;
- Vehicle PTS;
- power of attorney for the right to represent the interests of the owner (if the policy is not issued by the owner);
- valid diagnostic card (for vehicles over 3 years old).
When applying for a policy, remember that the diagnostic card is valid at the time of the conclusion of the contract. Therefore, in this place you can go to the trick and not undergo a technical inspection. However, it is worth remembering that in the case of an expired card, insurance companies refuse to pay, based on the fact that you do not have confirmation of the health and safety of the car.
3. Purchase of a new policy to replace the old old policy by the former owner
This option applies only to the seller of the car and is relevant in cases when he has another car or is going to buy a new one and insure in the same insurance company. Then the remaining amount of the insurance premium will be credited towards the registration of the policy for the new car or towards future payments on the existing car.
If you decide to leave the unspent amount of the insurance premium, immediately after the sale of the car, contact the insurance company and file an appropriate appeal.
Car renewal procedure
- You draw up a contract for the sale of a car, a receipt for the seller's receipt from you of the amount specified in the document and the absence of claims against you.
- The seller receives the money, and the buyer receives the keys and documents (STS, PTS, license plates) for the car. Be sure to issue an act of acceptance and transfer of property, without it you will be denied re-registration of the car.
- Go through a technical inspection with a diagnostic card of a working car. Contact only an accredited technical inspection station, as the number of the diagnostic card and other data on the vehicle are transferred by the operator to the PCA register. If you buy a "left" diagnostic card, then there will be no information in the registry, so you will not be able to get OSAGO. In addition, upon discovery of this fact, the employees of the insurance company will call the police with all the ensuing consequences for the use of false documents.
- Contact the insurance company with the documents to conclude an insurance contract (OSAGO policy) or.
- Prepare the necessary documents and contact the registration department of the traffic police.
Since 2013, it is possible to register a car in any region of the country.
Finally…
When buying a car "from hand" do not delay the renewal of documents and insurance policy. Check your car online for restrictions, fines, etc.
You cannot use the insurance of the old car owner without making changes to it.
Sign a new insurance contract, it is easier, cheaper and more reliable than entering changes into the current policy.
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