Many new-made car owners are interested in the question of whether it is possible to drive without insurance. It’s worth mentioning right away: despite the fact that liability insurance is mandatory throughout the country, it is necessary first of all for the driver. Therefore, looking for workarounds and trying to save a few rubles is unreasonable. When an insured event occurs, the amount of damage is usually tens, or even hundreds of times more than the cost of the insurance itself.
Of course, the legislation is not at all perfect, and you can find an opportunity not to draw up a contract that is designed to save you a considerable amount in the event of an accident. So, when buying a new or used car or renting it out, it is stipulated that insurance is issued before the registration of the car, but no more than 5 days after the conclusion of the contract for its purchase. During these 5 days, you don’t even have to worry about whether you can ride without insurance. This exemption allows many conscientious drivers to safely drive to the home or office of the insurance company, and then get into vehicle registration at the traffic police.
Imagine that you just bought a new car, you are going home happy, and it was at this time that the inspector stops you, demanding to present documents for the car and, of course, insurance. In this case, it is enough for you to show only the contract of sale, explaining to the inspector that you know how much you can drive without insurance and how much time you have to complete the rest of the
documents for the car. Of course, it will be ideal if you take advantage of the offer of one of the insurance companies that are located in the selected car dealership and insure the car on the day of purchase even before the first departure.
Some motorists, who have been driving for many years, love to talk about a grace period of 30 days in which you can not insure a car. In this case, the question of whether it is possible to travel without insurance, they answer in the affirmative. Such a period really existed until 2009: if the motorist did not plan to change the company, then after the expiration of the contract he could fearlessly drive another 30 days without renewing insurance. Now the situation has changed, even one day of delay is the basis for a fine. In addition, the inspector has the right to remove license plates from the vehicle, making it impossible to move further.
Many people think that driving a vehicle without insurance is possible if the car has temporary license plates. But in this case, it is necessary to purchase
transit CTP, which changes to permanent upon receipt of regular numbers.
Transit numbers are subject to the general provision on the possibility of movement without
entering into an insurance contract for 5 days.
If you have already decided for yourself whether it is possible to travel without insurance, and in principle do not conclude a motor third party liability insurance contract, then you lose a lot. The cost of the compulsory policy is not so high, but in addition to compensation for damage to the 3rd party, many companies also offer a number of additional services, such as free delivery of the car from the accident site, restoration of broken windows that were damaged even without accidents, departure of specialists anywhere city or region in the event of a car breakdown. In addition, for regular customers cumulative discounts are often provided.