Without diagnostic card. How to apply for compulsory motor insurance online without a diagnostic card. Video: insurance without technical inspection. insurance with a catch

By law, to purchase electronic policy OSAGO on the insurance company’s website, you will need the following documents:

• passport,
• car registration certificate or passport vehicle,
• driver's licenses of all drivers who will be included in the policy,
• valid diagnostic card.

This list of documents is enshrined in Article 15 of the Law on OSAGO 40-FZ.

In most cases, you do not need to present a previous MTPL policy, if you have one. It may be useful if you take out a policy with the same company where you were insured last year. Then information about the policy number and full name of the policyholder will allow the company to retrieve all your data from the database and automatically enter it into the insurance application. Which will save at least 30 minutes of your time.

What is proof of technical inspection?

Registration of compulsory motor liability insurance is allowed only for cars that are in good condition and approved for use on public roads.

Since 2012, the document confirming the serviceability of the machine is a diagnostic card. It replaced the previous technical inspection certificates.

The general provisions for the diagnostic card are reflected in Article 19 of Law 170-FZ “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation.”

The diagnostic card contains information about the technical condition of the vehicle. Mandatory card attributes - card number, expiration date, expert signature.

You can undergo a technical inspection and receive a diagnostic card from any accredited technical inspection operator. As of June 2017, according to RSA, 4,670 operators were accredited in Russia.

Do I need the original diagnostic card?

When filling out the application, you indicate only the number and validity period diagnostic card. Without this information, you simply will not be able to continue processing E-OSAGO.

Vehicle information form on the Yugoria insurance company website

Despite the fact that on the websites of individual insurers it is strongly recommended to attach scanned copies of documents to the car, you are not obliged to do this.

In order for the company to be able to check the validity of your diagnostic card, it only needs to know the card number, its expiration date and the vehicle VIN.

The only situation where you will need to send the insurer a file with a copy of the diagnostic record is if there is an error.

How the company checks the DC

All technical inspection operators, after drawing up a diagnostic card, enter information into single base EAISTO.

EAISTO is a unified automated information system for technical inspection. The system falls under the jurisdiction of the State Traffic Safety Inspectorate. It stores information about the results of the technical inspection. Operators, traffic police inspectors, the Russian Union of Insurers and insurance companies have access to the system.

It is through the EAISTO system that insurance companies check the validity of the diagnostic card.

For a long time now in our country, the responsibility to take responsibility for the technical condition of the car has been assigned not only to car owners, to maintenance services, but also to insurers! After all, it turns out that by issuing a MTPL policy for a vehicle, insurers make a decision about the possible operation of the vehicle. They take responsibility that the car will drive safely, that is, its operational properties will not affect the likelihood of an accident and its consequences. At the same time, insurers do not take on such responsibility overnight, because in this case it is backed up by insurance payments. As a result, the issuance and receipt of a compulsory motor liability insurance policy is possible only after passing a technical inspection and receiving a diagnostic card. It is on this basis Insurance Company decides whether an insurance policy can be issued or not. Moreover, if something goes wrong, then there is a high probability of receiving a regression payment. That is, when the insurance company pays first, and then, in case of violation Federal Law“On compulsory civil liability insurance of vehicle owners”, it collects the amount of insurance payment from the culprit. In a specific case, we will be interested in one of possible variations, when there is compulsory motor liability insurance, and the validity of the diagnostic card, that is, the technical inspection, has ended. Would the regressive case apply in this case? Is it necessary to undergo maintenance at a time when it has expired, but the compulsory motor liability insurance has not yet ended? About this in our article.

Where is the need to have an up-to-date diagnostic card (TO) for compulsory motor liability insurance stated?

Since we mentioned the Federal Law on OSAGO, then it is precisely in it that all “milling and engraving tools” should be in order to deal with cornerstones in life situations. Indeed, if you look through and read the law, you can find Article 15 “Procedure for implementing compulsory insurance»

3. To conclude a compulsory insurance contract, the policyholder submits the following documents to the insurer:
…
f) diagnostic card containing information on the vehicle’s compliance with mandatory vehicle safety requirements...

Actually, there’s nothing special to comment on here. Yes, there are exceptions that we hid under the last ellipsis. Exceptions will be vehicles for which special maintenance periods are specified, say a taxi or a vehicle for dangerous goods... However, these exceptions do not apply to the majority at all. In this article we consider the situation from the side of a private car enthusiast, with an average sedan. So, as we understand, there should be a diagnostic card. Please note that nothing is said about how long the diagnostic card should be valid. One can only guess that everything will depend on the loyalty of the insurer and its criteria. If he is satisfied with the validity period of such a diagnostic card for concluding an MTPL contract, then insurance will be concluded. And if not, then of course you will have to draw up a “fresh” diagnostic card.

Is it necessary to fill out a diagnostic card and undergo maintenance if OSAGO is still valid?

Now about the urgent matter, that is, closer to the topic of our article. After all, we were initially interested in the option when the validity of the diagnostic card had expired, but the deadline for compulsory motor liability insurance had not yet arrived. It is best in this case to also refer to the law, or rather to the Federal Law on OSAGO

Article 14. Right recourse claim insurer to the person who caused the harm
…
i) at the time of occurrence insured event the validity period of the diagnostic card containing information on the compliance of the vehicle with the mandatory safety requirements of vehicles, passenger taxis, buses or trucks designed and equipped for the transport of passengers, with a number of seats of more than eight (except for the driver's seat), specialized transport has expired means designed and equipped for the transport of dangerous goods.

The same lines can be found in Chapter XI “The RIGHT TO FILE A REGRESSIVE CLAIM OF THE INSURER”, Rules of Compulsory Insurance. Well, the most important conclusion from this will be the following. If the driver individual, who uses the car only for himself, and not for a taxi, does not drive a bus, does not use the vehicle to transport dangerous goods, then regression in the event of the expiration of the diagnostic certificate, with the current compulsory motor liability insurance, cannot be presented to him.

It must be said that our legislators either intentionally or unintentionally introduced some confusion in the writing of paragraph “I”. Because if you read it carefully, you might think that there is an enumeration here that if the diagnostic card of a vehicle has expired, then a taxi, a bus, etc., then a regressive case can be applied. We even came across arguments about this on forums on the Internet, how correctly this paragraph should be read, that is, as enumerations possible options or as a clarification to which specific vehicles regression is applicable in the absence of a diagnostic card. We, as we have already said, are inclined to the option that this is a clarification, that is, only a regressive case can be applied to a number of vehicles.

To summarize, let us say once again that the average driver (an individual who uses a vehicle for his own needs and undergoes maintenance once a year) can undergo maintenance and receive an updated diagnostic card upon the expiration of the compulsory motor liability insurance policy.

Already, the majority of vehicle owners, as well as drivers, insurers and operators conducting technical inspections of vehicles, know how to buy an insurance policy for compulsory insurance (MTPL) without re-passing the technical inspection.

Simplification of the purchase of such a policy is associated with the accreditation of technical inspection operators in the Russian Union of Auto Insurers (RUA). Moreover, with the sale of a compulsory motor liability insurance policy there is a chance of receiving a diagnostic card.

What changes happened in 2018

It should be immediately noted important detail– in 2018, the procedure for carrying out technical inspection is in force, which was reformed on 01/01/2012 and supplemented with changes on 07/04/2014.

For those who love it and want to simplify the procedure for obtaining a compulsory car insurance policy as much as possible, we can only advise them to thoroughly study what exactly has changed from 2012 to the present day in this matter.

So, it has undergone the following changes:

1. The technical inspection coupon has been cancelled, and instead it is introduced into circulation. Although, despite this, some still use technical certificates, especially those that were issued before July 30, 2012. Their practical use is allowed until August 1, 2018.
2. The right to provide an expert and the necessary premises, tools and equipment for technical inspection of vehicles only have technical inspection operators (TIOs) who are accredited by the RSA.
3. Thanks to the joint cooperation and agreements of maintenance operators with the Russian Union of Auto Insurers, operators who record data after a vehicle inspection enter it into, and can also issue MTPL policies.
4. Car owners have every right to choose their own location and maintenance operator.
5. All specialists, professional craftsmen and experts who participate in the technical inspection of a machine are required to submit the appropriate final information after the procedure to a single database - EAISTO - a unified automated information system for technical inspection.
6. Some insurance companies may require a maintenance coupon if you are going to buy a compulsory motor liability insurance policy from someone other than the operator when undergoing an inspection.
7. It is not necessary to carry a diagnostic card with you all the time - after all, all technical inspection data can be checked using the EAISTO database.

New coupons are not issued by inspection operators, but they are purchased by drivers who are not interested in changes in legislation from companies that still offer such a service - the sale of technical coupons.

Now there is no requirement for drivers - the owners of their cars - to undergo technical inspection exclusively at the place of registration of the vehicle.

Entering information on the passed technical inspection into the EAISTO database must be entered within 24 hours, but no later.

In addition to maintenance, insurers also require a diagnostic card to be presented for concluding an insurance contract under MTPL, because they do not have the right to enter into such contracts if the car’s technical inspection has not been passed or is overdue.

How to get insurance without a technical inspection

Today, it is impossible to purchase an MTPL policy without a technical inspection, according to the law. This law is actively ignored by various scammers, selling MTPL policies to everyone, without bothering to check whether a particular car has passed a technical inspection or not.

Such organizations tell their clients that they can easily pass a technical inspection after receiving a compulsory motor liability insurance policy. We can say that the illegal purchase of an MTPL policy is a one-time saving that does not have a stable future.

If you mean obtaining a compulsory car insurance policy without undergoing a second technical inspection, when you have a valid diagnostic card, then this practice is a completely legitimate and legal action.

Also, if the car was purchased with a valid technical inspection with mileage, then you can simply re-issue the MTPL agreement to the new owner.

And this will not contradict the law. You just need to make sure that the diagnostic card does not have a validity period of less than 6 months.

Previously, the insurer Rossgosstrakh issued insurance contracts under OSAGO without presenting a diagnostic card or technical certificate, but today he has already abolished this practice.

Today such a well-known insurer, just like everyone else in general procedure issues compulsory motor insurance policies only after passing a technical inspection of vehicles.

It is best to deal directly with insurance companies that are officially members of the RSA (Russian Union of Auto Insurers).

Because unaccredited insurers have a dubious reputation for a reason; some of them allow themselves to enter false information into the MTPL policy, which makes it invalid.

What documents are needed

Vehicle for technical condition check motor vehicle Only owners or their representatives can put it, and not drivers who simply have the right to operate the car, and not the right to dispose of it.

If the driver is a representative of the owner, then a power of attorney must be issued for him (with notarization powers of attorney are already a thing of the past).

You can pass the technical inspection if you provide following documents to the maintenance operator:

• passport of the car owner, proving his identity;
• a power of attorney issued to the owner’s representative, if the latter cannot attend the technical inspection;
• a certificate of the right to drive this vehicle;
• a certificate confirming the registration of the car or vehicle passport;
• payment receipts for technical inspection.

To carry out maintenance, operators do not require the presentation of a medical book, technical certificate or any other documents that are outside the list approved by the legislation of the Russian Federation.

In some cases, a power of attorney can be presented handwritten, but most often today they use a standard one. simple form power of attorney printed through a printer.

Consequences of compulsory motor liability insurance without maintenance

What are the risks of purchasing such a policy at the time of an overdue technical inspection or in its absence?

Every driver or vehicle owner should know the consequences of illegal receipt compulsory car insurance policy:

1. If you get into an accident due to your fault, you will not be able to use the purchased MTPL policy without a technical inspection in order to receive the required compensation. Therefore, you will pay compensation for an accident from your own pocket.
2. Violation of the law - driving without a technical inspection is punishable by fines and even restrictions on the right to drive until the technical inspection is passed ().
3. There is a big risk of getting fake policy or sign an agreement with an unscrupulous company that will not pay you in the event of a precedent - an insured event.

Agree, a not very positive future guarantees you the illegal acquisition of an insurance policy for your activity as a driver.

That's why the best solution there will be the following simple algorithm, which will give you stability and security in the future:

1. Pass a technical inspection and only then buy an MTPL policy.
2. The most optimal is to undergo maintenance on dates close to the purchase of the MTPL policy. In other words, do a technical inspection, the 2018 rules of which require you to first undergo a technical inspection, and then obtain a policy, so do not delay purchasing compulsory motor liability insurance after the technical inspection.
3. Choose companies only those that are reliable, well-known and stable. The most ideal option is to undergo maintenance and purchase compulsory motor liability insurance from a maintenance operator who is registered with the RSA.

You shouldn’t take such risks for the sake of one-time savings and then pay the victim compensation in full from your own pocket if you are at fault in an accident.

Savings are typically approx. 720 rub., and compensation to the victim, as a rule, has much larger amounts.

After all, nothing serious insurance organization won't sell insurance policies for such a price. The average cost of an MTPL policy from 01/01/2012 is RUB 958.50 without paying VAT.

Fines

If you drive without a compulsory insurance policy (MTPL), then the traffic police officer who stopped you will have every right to fine you.

Based on the legislation of the Russian Federation, from November 15, 2014, in addition to a fine, there cannot be other penalties, as was the case before. First of all, previously it could have been the removal of license plates and denial of the right to drive your car.

This condition has now been lifted. However, if such a violation occurs repeatedly, your car or driver’s license may be requisitioned for some time.

Still, it is worth paying attention to the frivolity of the practice when people buy an MTPL policy from dubious insurers at a cheap price, do not undergo technical inspection on time, and then, in an accident due to their own fault, lose more than they tried to save.

Every purchase of MTPL bypasses current legislation Russia is a huge risk.

After all, we are talking not just about paying a fine when you were stopped by a traffic police inspector, but also about the fact that if you cause harm to the injured party as a result of an accident caused by you, then no insurer will cover all those expenses that you will be required by law compensate the victim.

Video: Checking the MTPL policy. Does a traffic cop have the right to demand insurance?

An MTPL policy is a document without which a car is not allowed to participate in road traffic. Do you need a diagnostic card? From a technical point of view, successful completion of the maintenance, based on the results of which it is issued, guarantees the serviceability of the vehicle. Legally – no valid card may cause difficulties with insurance payments.

The diagnostic card is presented insurance agent upon conclusion of the contract. The traffic police officer cannot demand it from the driver, since it is not included in the list of documents subject to mandatory inspection. This list is only presented:

• driver's license or temporary permit to drive a vehicle;
• registration documents - registration certificate or PTS;
• a valid MTPL policy.

The rule applies to passenger cars with a carrying capacity of up to 3.5 tons, passenger vehicles with 8 seats (including the driver’s seat). That is constant availability In this case, a technical inspection document is not required.

Drivers of buses, taxis, and other types of vehicles transporting passengers and dangerous goods are prohibited from driving without a diagnostic card. Moreover, the maintenance data should be updated every six months, and then presented along with other mandatory documents:

• driver's license;
• insurance;
• registration documents;
• license card;
• permission to transport passengers and luggage;
• waybill;
• papers for the cargo (when transporting dangerous, heavy or large-sized cargo, the driver must have in hand papers confirming that he has the right to work with the listed categories of cargo), etc.

Is it possible to drive without a technical inspection if you have insurance? There are no restrictions imposed on the ordinary driver - he does not need to keep the card with him all the time - it is enough valid policy.

If the car was manufactured less than 3 years ago, a diagnostic card is not issued. All breakdowns detected during operation during this time are considered a manufacturing defect.

Despite the fact that many drivers do not need to carry a diagnostic card with them, it must be renewed regularly in accordance with the requirements for a particular type of vehicle. Without the specified document (or with an expired one), it will not be possible to conclude an agreement with the insurer, and the absence of a policy will result in a fine for the driver.

Is the presence of the card checked in case of an accident?

In addition to the license, registration certificate, insurance in in case of an accident an ordinary driver is not required to present other papers to the traffic police inspector, including a vehicle inspection card.
But the drivers of passenger and trucks Those involved in a traffic accident must provide a document without fail.

The insurer also does not have the right to demand a technical inspection from the victim after an accident, since a diagnostic card is provided when applying for insurance and without it the document cannot be issued. The document verification, which confirms the serviceability of the vehicle and guarantees payment, is carried out on the basis of the data provided during registration. But paperwork is usually requested from the person responsible for the accident.

Even if there is no diagnostic card for an accident, the insurance company should not refuse to compensate for the damage caused without understanding the situation. This circumstance does not fall into the category legal grounds for failure to fulfill obligations to the insured person. However, the car owner may encounter some difficulties: without a technical inspection, it will be difficult for him to confirm that the vehicle was in good working order at the time of the accident. Sometimes this argument is enough to blame the forgetful driver for the incident. For correct design motorists need to know for sure about a traffic accident.

The MTPL rules do not provide for the possibility of denying the injured party insurance compensation, if the latter cannot provide a document confirming that it has undergone maintenance, if it has a valid policy. But there is an exception - when a breakdown provoked an accident and this was confirmed by an examination.

What are the consequences of an overdue technical inspection in case of an accident?

If the driver who caused the accident has an overdue technical inspection, the insurance company has the right to file a recourse claim (in the form of a claim) against the culprit, the amount of which is equivalent to the amounts paid by the insurer. This practice applies only to owners of taxis, buses, trucks equipped for transporting passengers and dangerous goods, and rarely affects ordinary road users.

The insurance company has the opportunity to exercise the right of recourse against the inspection operator if the document issued by him contains information about the absence of technical problems in the vehicle. In this case, the cause of the accident is precisely the malfunction of the car, which was identified during the maintenance, but the data about it was not reflected in the form. The requested amount in the claim, as in the previous case, will be equal to the funds paid by the insurer.

Is a compulsory motor liability insurance policy valid with an expired diagnostic card?

The period during which the policy is valid is counted from the moment of conclusion of the MTPL agreement and is 1 year. The technical inspection is valid from 6 months to 2 years, depending on the type and purpose of the vehicle.

Is it necessary to re-sign up the MTPL contract if the diagnostic card has expired? If there is no technical inspection (the document is expired), do new policy no need, it remains valid. However, it is recommended to visit a service station for a routine check of the technical condition of the vehicle and obtain new card to eliminate the risk of getting into a car accident and being denied payment.

If an accident suddenly occurs, you should always have a diagnostic card on hand - it is the only guarantee that your car is in good working order. Otherwise, you can, wanting to save a few hundred rubles, be left without compensation at all, thus dragging yourself into lengthy litigation and paying compensation to the injured party yourself.

Some car owners ask the question: “Is it possible to buy a diagnostic card for a car and a compulsory motor liability insurance policy without a technical inspection?”

Our answer: “You can buy everything. But is it worth it?

We propose to understand all the advantages and disadvantages of making such a decision.

Technical inspection without inspection

On the Internet you can find great amount tempting offers on receiving a diagnostic card (DC) without undergoing an inspection of the technical condition of the vehicle.

Customers have a wide choice additional services and promises:

• individual approach;
• registration by scanning or photographing and sending to email documents or the client is asked to fill out an electronic application;
• home delivery;
• discounts on recreational companies in case of concluding a compulsory motor liability insurance agreement with them;
• 100% guarantee of the authenticity of the DC is issued with the presentation of a report on entry into the EAISTO database (a unified automated information system technical inspection);
• They promise to return the money if the insurance companies refuse to formalize the contract under the issued DC.

Remember that only those accredited for this type activities of maintenance operators.

When considering offers on the Internet, check on the website of the Russian Union of Auto Insurers (RUA) whether it is listed given organization in the register of accredited maintenance operators.

In no case should you rely on positive reviews on the Internet when making a decision. No one guarantees the reliability of opinions, and the practice of buying reviews is widely known.

All the pros and cons

Our experts cannot find any compelling arguments for making a decision to purchase a fictitious recreation center:

1. As a rule, for providing such “assistance” in passing a technical inspection, you will be charged twice as much as if you had paid for a real technical inspection from an accredited operator.
2. Saving time is also a dubious argument. If the car is in good condition, the vehicle inspection procedure takes no more than 30 minutes.
3. Even if diagnostics reveals technical difficulites, eliminating them will only benefit the car owner. Who wants to ride a powder keg? If the car is repaired within 20 days, you will only have to pay the maintenance operator who discovered the fault for a re-inspection of the repaired components.

When making decisions about purchasing a recreational vehicle without actually inspecting the vehicle, you should also be aware of possible risks:

1. Only accredited technical inspection operators have access to the unified EAISTO database.

Data is entered into the database by maintenance experts upon completion of diagnostics, if the condition of the vehicle complies with operational safety requirements and security standards environment.

Issuing a fictitious operating permit, as well as entering information that does not correspond to reality into the EAISTO database, threatens the maintenance operator with a fine in the amount of 100 before 300 thousand rubles.

And if an accident occurs due to a car malfunction, which the diagnostics should have identified in order to be eliminated, the insurance company will recover the costs incurred. insurance payments from the maintenance operator who issued a fake conclusion on the vehicle’s compliance with safety requirements.

The first conclusion follows from this: not a single accredited operator will take risks by resorting to illegal schemes.

2. Before concluding an MTPL contract, insurance companies check the submitted documents for authenticity using the EAISTO database.

A diagnostic card is an official document of strict accountability, which, when entered into the EAISTO database, is assigned a unique an identification number.

If the insurer is found to have committed fraud, the person who presented the forged document will face criminal liability under Article 327 of the Criminal Code, Part 3.

The use of a knowingly forged document is punishable by a penalty of up to 80 thousand rubles or half-yearly income convicted person, placement under arrest for six months, correctional(up to 2 years) or mandatory(480 hours) works.

3. Insurance and technical inspection are closely interrelated. If the MTPL policy does not contain information about technical inspection, it is considered invalid and payments under it, upon the occurrence of an insured event, are not made.

It turns out that if either document is issued in an improper manner, the driver will cover all losses in the event of an accident from his own pocket.

Moreover, driving a car with a fake OSAGO policy is equated to its absence and entails the imposition of administrative fine under Art. Art. 12.1 Part 2 of the Code of Administrative Offenses of the Russian Federation in the amount 800 rubles.

In this case, it would be useful to check the MTPL policy offered to you for registration for authenticity and belonging to a licensed insurance organization. This can be done using the service provided by RSA. By indicating the OSAGO form number, you will receive comprehensive information about the insurer.

By being vigilant and promptly checking the MTPL policy offered by a dubious organization, you will protect yourself from purchasing a counterfeit document.

The consequences of violating the law in the field of auto insurance are highlighted in the presented video:

How to get insurance without maintenance?

According to the new legislation, traffic police officers do not have the right to check whether a car has passed inspection.

There is no need to carry a DC with you; it is only needed when you sign up for an auto liability insurance contract, either directly at the company’s office or when purchasing online.

Wherein the presence of a valid OSAGO policy is a guarantee of the good condition of the vehicle.

Meanwhile, it is still possible to obtain an MTPL policy without undergoing a technical inspection in the following cases:

• you are the owner of a new car, the age of which has not exceeded 3 years since its release;
• obtaining transit insurance for 20 days for imported cars, which must reach the service point or registration place within this period;
• You have purchased a car that has a diagnostic card with a valid expiration date.

If you fall into one of these groups, the insurance company will enter into a compulsory motor liability insurance agreement with you without requiring a contract.

In other cases required condition to conclude an MTPL agreement.

To pass the inspection without any problems the first time, read this, which tells you how to prepare your car for diagnostics and what is needed for this.

Results

A car is a source of increased danger. By resorting to illegal schemes for passing a technical inspection, a person first of all risks his life and endangers other road users.

At the same time, the degree of responsibility in the event of exposure is not comparable with the imaginary benefit.

When agreeing to dubious deals, be prepared for possible problems And legal proceedings.

Remember, a technically sound car is the key to your safety on the road.

If you find yourself in a difficult situation, seek legal advice from our experts. Highly qualified lawyers will help solve the problem in as soon as possible and with the least losses.