Unfortunately, not everyone can afford to buy a new car. Therefore, many citizens buy used cars from other owners. After this, new vehicle owners often encounter a number of difficulties. For this reason, they often ask themselves a question about whether it is possible to re-register a car without insurance. Unfortunately, no one will register a car without a compulsory motor third-party liability insurance policy. Moreover, the person who bought a used car is obliged to know that he urgently needs to go to an insurance company and draw up a new document. Otherwise, penalties await him. After all, after the sale of a car, the action of the previous MTPL policy issued to the old owner automatically ends.
How to do it right?
After acquiring a car, the new owner is faced with a large number of organizational issues. The main one is the need to insure your car and register it with the traffic police. It is best to deal with such issues on your own. You should not go to intermediaries and pay extra money for it. After all, you can easily run into scammers.
In addition, many motorists, after buying a car from another owner, are wondering if it is possible to re-register a car without insurance. After all, people are not always ready to pay money for additional services. To do everything right, you need to know that re-registering a car without an insurance policy does not work. Because it is included in that package of documents that are needed in order to register a vehicle with the traffic police.
Must provide
So, is it possible to re-register a car without insurance? As mentioned above, without first obtaining an insurance policy, it is impossible to register a vehicle. Indeed, for this procedure, it is necessary to provide the following documents to the traffic police:
- an application of a standard form, which, as a rule, is filled in directly on the spot;
- passport of a new car owner;
- power of attorney, if the intermediary is engaged in registration;
- documents for the car;
- contract of sale (sometimes the traffic police take a copy, but it is better to take the original with you);
- CTP policy.
Thus, you can’t do without preliminary insurance. Moreover, without this document, no one will accept the rest of the paper. You need to know this.
Important
In the application, which the car owner fills in the traffic police, there is a certain column, it must be included in it:
- CTP policy number;
- name of insurance company;
- date of conclusion of the contract.
Accordingly, the list of documents required to register a car with the traffic police contains a paragraph on compulsory motor third party liability insurance. Therefore, you cannot do without this paper. Citizens who are wondering whether it is possible to re-register a car without insurance should know that the vehicle will not be registered with the traffic police until the car owner brings the insurance policy. The list of documents should be complete.
Additionally
So, you can take out insurance for a car in a short time, but it is best to do this immediately after purchasing a vehicle. If someone thinks that there are other options for registering a car, then he is seriously mistaken. Therefore, you should not look for ways to circumvent the law. Nothing comes of this. The car owner will only waste time.
Therefore, when answering the question of whether it is possible to register a car without insurance, it is necessary to say that it will be possible to do this only after completing the CTP insurance policy. This is the order.
Grounds for refusal
If the motorist does not provide the motor third-party liability insurance policy with the STSI along with a package of other documents necessary for registering the car, the latter will be denied registration of transport. This will be entirely legitimate.
Experienced drivers already know that car re-registration and insurance are mutually related. Because without the availability of a new MTPL policy, registering a purchased car will fail. These are the rules.
Do I need to change insurance?
So, as mentioned earlier, not all people can afford to buy a new car, so they get a used car. But some drivers do not know that insurance must be changed after buying a vehicle. Although, by law, this must be done.
In addition, after acquiring a car, the new owner must insure his civil liability. This must be done within ten days after the purchase of the vehicle. Then the motorist must come with all the documents to the traffic police and put the car on record.
If the car is insured
Often there are situations when the owner of a car is forced to sell his car urgently. At the same time, there is still a lot of time left until the end of the validity of the CTP policy. What can be done in this case? First of all, after the sale of the car, the former owner has the right to ask the insurance company to return the remaining amount of funds. After all, the conditions of the MTPL policy are losing their force. In such cases, companies often try to keep 20 percent of the amount that the client requires to return.
In addition, you can re-arrange insurance in the name of the buyer of the car. This is done if the seller does not mind this. The insurance company is not always ready to go to such conditions, but most often agrees. After all, the new owner of the vehicle will assume obligations under the current policy. This means that the company will not lose the customer. To perform such actions, you must provide the following documents to the insurance:
- the contract itself;
- CTP policy;
- check for payment of services;
- a statement from the buyer that he wants to re-arrange insurance for himself.
This option is rare in practice. Because in most cases, citizens after buying a used car immediately try to conclude an agreement and get a CTP policy with another insurance company. Indeed, without this document, you can’t even come to the traffic police.
Therefore, those citizens who are wondering whether it is possible to re-register a car without insurance should know that under the current law, this cannot be done without an insurance policy.
Interesting
Many citizens are wondering how to re-register a car without a compulsory motor third-party liability insurance policy if the transaction is concluded not under a sales contract, but under a general power of attorney? Everything is quite simple here. It is necessary to reissue the policy to the new owner and indicate its data in the policy. Only an employee of the insurance company can do this.
To enter data on a new driver in the company you need to provide:
- CTP policy;
- passport of the new owner of the car;
- human rights, the data of which must be included in the insurance.
What expects for cancellation of insurance?
For failure to comply with the provisions of the current law, the driver faces a fine. A person can lose 800 rubles for driving without a motor vehicle liability insurance policy. In addition, if the car is not registered after 10 days after its purchase, then for the absence of state registration marks the motorist will be fined 5,000 rubles. Thus, the prospects for violators of the law loom not the most pleasant.
Therefore, if someone still doubts whether insurance is needed when re-registering a car, then it must be said once again that without a motor third-party liability insurance policy, no one will register a car with the traffic police.
Is it possible or not?
Currently, many citizens are worried that the compulsory insurance of motor third party liability insurance takes a lot of time. In fact, this is not so. In addition, you can insure motor liability even through the Internet. Such a service is suitable for those citizens who live in settlements where there is no office of a suitable insurance company. So many are doing now. Unfortunately, far from all insurance companies provide services for registration of CTP insurance policies via the Internet.
Total
When registering a car in the traffic police, you must follow the norms of the current law. In addition, I would like to say again that insurance on a used car must be arranged in advance. Otherwise, the registration of the car in the traffic police will be denied.
If someone still wonders whether it is possible to make insurance after re-registering a car, then you need to say once again that you need to prepare an insurance policy in advance. Otherwise, you will need to come to the traffic police with the whole package of documents one more time.