Is it possible to insure a car in another region: rules and features of the process

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Buying a car is an important decision as it is a big investment. Finding a car is an equally important process, because choosing the right option for you so that it is in good condition, does not require large investments, but is not stolen or owned by scammers is quite difficult.

But you bought a car, you need to register it, but first you need to get an insurance policy. Where can you insure your car? The Internet will help you find a company, but what if you moved to live in a city where you do not yet have a residence permit? The question arises: is it possible to insure a car in another region? Let's find out.

Car insurance policy

Car insurance is mandatoryprocedure in the Russian Federation. Without obtaining a policy from an operating profile company, firstly, no one will compensate for the damage in the event of an insured event, and secondly, they will issue a fine of 800 rubles.

All cars are subject to insurance, except for those that, due to design features, cannot move faster than 20 km/h, belong to the Ministry of Defense, are not allowed to operate on the conclusion of MOT or are registered abroad of the Russian Federation.

There are 2 types of insurance: OSAGO and CASCO. CASCO is issued for all new cars without fail. And for already used cars, you can draw up any policy at the request of the car owner.

OSAGO protects only from financial losses in case of an accident, CASCO will save your money not only in case of an accident on the road. He will help:

• when stolen;
• car damage by snow, ice, wood;
• animal collision;
• drowning;
• Third party damage, etc.

Insurance in another region

Can I insure a car in another region? Can. It is only important to pay attention to several aspects.

1. In any case, you will have to register the car in the region of purchase, as well as insure it, even if you came only for this purchase. Otherwise, on the way back, you may meet representatives of the traffic police, who will "please" you with a large fine for not having the necessary documents. You can avoid this only by showing the purchase agreement.sale, from the moment of the conclusion of which no more than 10 days have passed, but not all law enforcement officers are loyal. Therefore, if you still want to insure a car in your city, follow the scheme of the next paragraph.
2. You can issue a policy for the shortest period offered by the company - for 3 months. Then the insurance period will end quickly, and you will be able to re-insure the car already in your city.

If you do not have a residence permit and the question is whether it is possible to insure a car in another region by temporary registration, then to do this, you do not need documents related to your place of residence at all. The main thing is that you are a citizen of Russia. We will tell you about the necessary documents below.

What do you need to insure?

To obtain a CMTPL or CASCO insurance policy, you need to come to the branch of the insurance company you have chosen. The same service can be offered to you in some car dealerships. But in general, there are many companies where you can insure a car quickly and for any possible period.

To apply for a policy, you need to have the following package of documents with you:

1. Passport or military ID (for military personnel).
2. Vehicle Passport (PTS).
3. Driver's licenses of persons authorized to drive the vehicle.
4. If the vehicle is borrowed or pledged, proof of this will be required.
5. Diagnostic card with valid inspection data.
6. Purchase Agreement-sales (subject to availability).
7. Application that can be completed directly at the company office or where you insure the car.

Issue price

The price of an insurance policy depends on several factors:

1. Vehicle power in l/s.
2. Place of registration of the owner (for residents of cities, insurance is more expensive than for people with a regional residence permit).
3. Car cost.
4. Term of driving experience of the insured.
5. Insurance region (in central regions car insurance is often more expensive than in more remote regions).
6. The number of people who are allowed to use the car (you can enter certain people in the policy, or you can just make insurance without restrictions).
7. Crash-free driving (if you regularly get into accidents, even through no fault of your own, you will have to pay more for the policy).

Therefore, when deciding whether it is possible to insure a car in another region, you need to find out how much insurance will cost in this area.

The most common insurance problems in other regions

Not all companies have representative offices in every region of the Russian Federation. Therefore, you need to first find out if there is an insurer whose policy you want to receive in the place where you will later arrive or return, so that there are no problems with payments in the event of an accident or if changes to the policy are necessary.

When deciding whether it is possible to insure a car in another region, Rosgosstrakh and otherswell-known companies like this will help you the most. And some insurance companies may even refuse a car owner with a non-local residence permit. There may also be problems in the MREO when registering a non-regional company with a policy, but this is quite rare.