Re-issuance of insurance for another car. How to reissue an OSAGO to a new owner: detailed step-by-step instructions Is it possible to reissue insurance for another car

They bought a car, they sold a car, how many such contractual relations take place in the country every day. This statistics is no more interesting for the layman than the study of Brownian motion in a certain amount of something. In fact, there is a fine line where a general uninteresting statistic becomes a private and important matter for each of us. It is here that a private interest is formed, which is above all, but only for each of us individually.
So is the case when the seller and the buyer of the car must agree on many aspects in order to achieve a common goal - the conclusion of a contract of sale. Here is the inspection of the vehicle and the verification of documents and the assessment of material benefits and costs. Such costs and benefits include OSAGO insurance, because this is a mandatory document that the driver must have with him when driving the vehicle. Sometimes bargaining comes to the fact that the seller or the buyer is already agreeing on who will get the insurance. The new owner or the previous owner decides to keep it for himself, in order to receive compensation from the early termination of the OSAGO contract.
In our article, we will consider all possible cases of behavior when OSAGO is either terminated with an insurance company to receive compensation by the previous owner, or transferred to a new owner, after re-registration, for further management of the vehicle for it.

MTPL when changing the owner of the car remains with the previous owner

This option is the most likely and preferable. The thing is, it makes sense! In fact, insurance (OSAGO) was a document of the previous owner, which means that he must dispose of this document at his own discretion. The transfer of a document without a change of ownership, that is, without reissuing OSAGO, will not lead to anything good.
If the previous owner of the car leaves OSAGO to himself, then he can receive compensation for the unused period of insurance. This period will be calculated from the moment of writing the application for termination of the "insurance" agreement, that is, from the date when you come and write an application to the insurance company (clause 34, VI ​​"Early termination of the compulsory insurance agreement")

Let's say that the right of the former owner of the car to receive compensation for the unused period of OSAGO is stipulated in the same document. The possibility of early termination is stated in the "Rules of Compulsory Civil Liability Insurance of Vehicle Owners" in paragraph VI "Early Termination of the Compulsory Insurance Contract" clause 33.1 (b):

As a result, the former owner can receive part of the funds spent on the purchase of "insurance". We wrote in more detail about the refund procedure in the article "Refund for unused months of OSAGO when selling a car". There you can also find information about the procedure, the procedure for processing documents and what percentage of the funds will be compensated to the former owner of the car.
There is another scenario when the insurance is transferred to the new owner. In this case, its re-registration is required, more on that later.

OSAGO when changing the owner of the car is transferred to the new owner for further management of the vehicle on it

This option of further use of OSAGO with a new owner is not always possible. Insurance companies prefer to work on the principle of a new owner - a new contract. Basically, there is something in it. In fact, they prefer the option that we discussed in the previous paragraph. However, if you already have such circumstances, you can try to contact the insurance company with a request to amend the insurance. In fact, this will not be the termination of the insurance, but the introduction of changes into it by the former insured.
So, if after the purchase of the vehicle, that is, after the change of ownership, the seller and the buyer agreed to transfer the OSAGO policy to the new owner, then it needs to be reissued, since the OSAGO document contains the “Owner” column. That is where changes need to be made. If this is not done, then nothing threatens the driver for the first 10 days, since this period can be driven without insurance at all, which can be found in the article "How many days can you drive without OSAGO after buying a car". But in the future, the driver with incorrectly issued insurance will be fined. More about this in the article "Penalty for driving without OSAGO".

In this case, the policyholder, that is, the former owner, must come to the insurance company and re-register, rewrite this line "Owner", while adding the new owner to the group of persons admitted to management. It is allowed to make changes to the insurance in accordance with paragraph 22 "", paragraph IV "Validity period, procedure for concluding and changing the contract of compulsory insurance".

If the insurance company decides to change the data in the existing insurance contract, then on the basis of clause 23 of the "Rules for compulsory insurance of civil liability of vehicle owners", paragraph IV "Validity period, procedure for concluding and changing the contract of compulsory insurance", the policyholder may be required to pay additional insurance premiums, according to the increased degree of risk, based on the stipulated coefficients.
It turns out that the insurance will be issued on behalf of the previous owner - the insured, but the new owner - the driver - can also manage it. The disadvantage of such registration is the involvement of the former owner in the execution of documents that he does not need. You may need to pay additional insurance. And also the OSAGO agreement will actually be concluded with the former owner, that is, when the insurance premium is paid, it is the former owner who will have to represent the interests of the party involved in the event of an insured event. Let's say he or his representatives must be notified of the accident... In case of payment (insurance payment), the victim will receive compensation under the insurance of the culprit.

As you can see, this is also important remarks for someone, which means that it is still better to refuse such an option in favor of the previous case.

Question answer on the topic "OSAGO when changing the owner of the car"

Question: Is it possible to take the insurance of the former owner of the vehicle and drive on it if it has not yet expired?
Answer: No, because the insurance will not be considered valid due to incorrect information in it. There was a change of ownership, which is not reflected in the insurance.

Question: Is it possible to go to the insurance company and enter the new owner in the insurance?
Answer: Yes, it can be done.

Question: Is it possible to simply transfer insurance without restrictions to a new owner?
Answer: No, since the former owner will be registered in the owners.

Video about OSAGO when changing ownership

Now about the same thing, but in the video...

Many car owners often wonder if it is possible to reissue a valid policy when selling a car for another car? Yes, there really is such a possibility, but There are many nuances in this matter that you should be aware of.

1. Most often, car sellers terminate the existing contractual relationship with the insurance organization and receive a refund for the unused period of the insurance from their insurance company.
2. The second option is that the owner of the car can reissue the auto civil liability policy for the buyer, in which case the buyer must make a refund for the period of time when you do not use the contract.

You can read more about the conditions and nuances of reissuing OSAGO to a new owner when selling a car.

IMPORTANT! Neither the Rules nor the OSAGO Law contain information about the possibility of amending the information about the vehicle.

In the event that you sold your car and purchased a new car in return, you will be required to undergo a new car liability insurance procedure. The policy that was issued for the sold car, you can:

• Put it on a shelf and do nothing with it, if less than a month is left before the expiration of this agreement, then there is no point in terminating such an agreement.
• Terminate your deal with IC and receive a compensation payment for the period during which you will not use this insurance product. Read about how to properly fill out an application for termination of an OSAGO agreement.
• Renew your car liability agreement to the buyer of your car, and accordingly receive a refund for the unused period from it.

The policy of motor third party liability for an old car will not be useful to you when operating a new car- in this case, such an agreement is invalid, because it reflects information about the already sold vehicle. This issue is regulated by Article 6, Clause 9 of the “OSAGO Law”, namely: if in the event of an accident, damage was caused to the victim by a car that is not listed in the motor third party liability policy, then the damage caused to the victim does not apply to the insured event.

If the damage was caused by a driver whose car is not included in the civil liability policy, then the driver of the vehicle, and not the insurance company, will be obliged to pay compensation for the damage caused.

It follows from this that it is impossible to re-register your existing auto civil liability policy for another vehicle. But not everything is as simple as it seems at first glance, and it is possible to re-register the auto-citizen agreement.

Under what conditions is it permissible to transfer?

There is an option in which you can transfer the policy to another car.

Also, this option of reissuing an auto civil liability agreement is suitable for those citizens who, immediately after the sale of a car, purchase a new vehicle for themselves. That is, not all owners of the vehicle can resort to this option, but only those citizens who, at the time of selling the car, have another vehicle insured by the same insurance company.

Such an option for reissuing an insurance contract is extremely rare, since in order to complete such a procedure, a citizen must have at least two cars that were insured in the same insurance company.

How to do it?

Required documents

The procedure for reissuing an auto civil liability policy is standard. To transfer insurance from one car to another, you will need to write an application at the UK office and provide the manager with the following list of documents:

• An agreement confirming the fact of purchase and sale of your vehicle.
• Title in which the new owner is entered or an invoice-certificate.

You also need to bring with you:

• A document that confirms your identity.
• PTS or STS for the second car.
• Driver's licenses of all those citizens who are allowed to drive your vehicle.
• Car insurance policy for the first and second cars.
• Map of the diagnostic inspection of the second car (if the car is more than 3 years old).

Order of procedure

As mentioned earlier, in order to re-register a civil liability agreement for a second car that is insured in the same insurance company and belongs to you, you need to visit the office of the insurance company and write an application. A list of required documents is attached to the application.

IMPORTANT! With such a re-issuance of the auto civil liability agreement, you will not be charged 23%, which are withheld by the insurance company in the event of termination of the auto insurance agreement.

Of these, the organization withholds 20% from you for its services in conducting this case, and the insurance company sends 3% to the PCA. In fact, when reissuing a motorist’s civil liability policy for another car, this is an option when the compensatory part for the unused period of your contractual relationship with the UK goes to pay for the current civil liability policy or to repay the prolongation of the second contract.

That is, unspent funds will be posted by the insurance company as future payments to another vehicle.

Deadlines and costs

The reissuance of the policy of civil liability of motorists occurs on the day the client contacts the insurance company. There is no need to make an additional payment for re-registration of contractual relations with the UK.

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 part two of article 6 of the federal law on OSAGO, in case of damage caused by using a vehicle other than that specified in the insurance contract, insurance is not valid. In this case, when selling a car, you must either terminate the contract with the insurer ahead of schedule (you can find out how to apply for termination of the contract), or 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 an OSAGO policy for another car. The law allows you to reissue a policy if at least one of two conditions is met:

1. you have two cars, one of which you sold, and the policy for the other in the same insurance company;
2. you buy a new car, immediately after the sale of the old one.

If one of these conditions is met, it is possible to renew insurance from one car to another. In other situations, you will have to terminate your insurance early, or negotiate with the buyer of your car to reimburse you for insurance premiums.

Use our online calculator to calculate OSAGO online - compare prices in various insurance companies. Save between RUB 1,498 and RUB 3,980 as the base rate can vary by 20%. No need to go to the office - you will receive an insurance policy to your e-mail

Required documents

The procedure for reissuing OSAGO for a new car is standard and does not require the preparation of special documents.

To re-register, you must come to the insurer, write an application and provide the following documents:

1. a contract confirming the fact of purchase and sale of your vehicle;
2. vehicle passport in which the new owner is entered or an invoice-certificate.

You must also have with you:

• identity document;
• vehicle passport or vehicle registration certificate for the second car;
• driving licenses of all citizens who are allowed to drive your car;
• OSAGO policies for the first and second car;
• a diagnostic inspection card of the second vehicle (if the car is more than 3 years old).

We talked about what documents are needed to apply for an OSAGO policy in.

Step-by-step instruction

If your case meets the requirements described above, then reissuing OSAGO is very simple. You need to come to your insurer with the necessary documents and write an application. Further, all the necessary actions will be done 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 policyholder must go to the office of the insurer, since only he can make changes (you can find out how insurance is issued for a trusted person).

Deadlines and costs

Important! Usually, when terminating a car insurance contract, the insurer withholds 23% of the insurance premium, but this amount is not charged when the policy is renewed.

Re-issuance of insurance occurs immediately on the day of the applicant's request. When you renew your policy for a different car, the portion of the premium you paid for the old car but won't use in the future is used to pay for the cost of the new auto liability policy. Thus, part of the cost of OSAGO of one car is transferred to the cost of OSAGO of the second. For such an accounting to be made, the cars must be insured with one insurer.

Use our online calculator to calculate CASCO online in 16 insurance companies. Discount up to 50% of the cost of the policy for careful drivers. Accurate Price Guarantee!

For more information on how the OSAGO price is calculated and how to check it online, see

Buying and selling cars is one of the most common transactions nowadays.

In the process of its implementation, the buyer and seller must necessarily agree among themselves on a large number of very different aspects in order to conclude a competent and mutually beneficial contract of sale.

The document contains such important information as the inspection of the vehicle and data on the issued insurance.

One of the most common questions that most drivers ask is whether it is necessary to change insurance when reissuing a car.

First of all, you need to answer the question of what an insurance policy for a vehicle means. This insurance is mandatory for all drivers without exception, movement without it is illegal.

The document insures the civil liability of the owner of the car, and it is issued not for the car, but strictly for the person who drives it.

If other family members or employees of the same company are allowed to drive a car, everyone who will drive the vehicle must be included in the insurance policy.

In some cases, it is allowed to draw up an insurance contract without any restrictions, that is, every driver will be able to drive a car.

If the previous owner of the car made a policy for a year, then when selling the vehicle, you will need to visit the office of the insurer and make all the required changes.

The buyer must also issue a new insurance policy or reissue it, since the main information data has been changed.

Based on all of the above, we can conclude that reissuing OSAGO for another car when purchasing and selling a car is mandatory, both for the seller and the buyer.

Moreover, the rules of modern auto insurance clearly state that the owner of the car must notify the insurer of all changes made to the contract.

The basic algorithm of actions in the process of changing ownership is described in the law regarding car insurance.

The process of official alienation of the vehicle by the owner is carried out through a formal sale and purchase agreement or a general power of attorney.

Options for reissuing a formal insurance contract can be very different, it all depends on how the acquisition process is carried out.

So, the answer to the question of whether it is necessary to redo the insurance when re-registering the car for yourself is positive.

The renewal process can be carried out in the following ways:

1. The former owner enters the new car owner into the policy and gives him his insurance contract.
2. The old owner of the car completely terminates the previously concluded agreement with the insurance company, and then receives the compensation due to him for the period of non-use of the policy.
3. One of the owners of the car is able to renew the policy for another car.

Each owner may have different nuances.. Quite often a person sells a car and immediately buys a new one. He has insurance at his disposal, so he can use it by entering only some changed data.

Exactly the same situation can be with a person who purchases a car, that is, he has an official car citizen and will only have to register all the necessary data in a single all-Russian database of the PCA.

In any case, each situation is carefully discussed, all issues are resolved on an individual basis.

Many drivers are wondering how long they can drive without insurance after re-registering their car.. It is worth noting here that it is strictly forbidden to move without insurance.

Drivers who violate this rule will be fined. It is also important to match the identity of the driver with the names entered in the document.

If a general power of attorney was issued during the process of registering a car, and the previous owner of the car agrees that the new owner drives under his contract, you will need to contact insurance agents and record such a decision.

Based on this, you can get an answer whether insurance is retained when reissuing a car. Yes, it is saved, just with changed data about drivers.

In carrying out this process, it is desirable to enter into an additional agreement that the new owner, if necessary, can fully compensate for the cost of the time of unused insurance.

This official agreement will be the most logical and reasonable solution in a situation where the owner is not going to purchase a car and, accordingly, deal with the execution of a new policy.

Compensation for unused days of insurance is calculated very simply. For this purpose, the amount of the cash contribution is divided by the total insurance period, that is, 365 days, and then multiplied by the total number of unused days.

This method of reissuing an insurance policy is possible only if the region of registration was the same. The total cost of OSAGO in each area may be different and this must be taken into account.

In order to legally transfer insurance rights, it is absolutely not necessary to register an additional agreement with a notary.

If a regular sale and purchase agreement has been concluded, it will be possible to draw up a clause regarding the transfer of rights in the document, and then it will be possible to proceed in the usual way.

If the buyer does not want to pay financial compensation, the former owner of the car can save money for the insurance contract by terminating the previously concluded contract.

Based on modern insurance legislation, a company that has entered into a formal contract, upon termination, must pay compensation to the client for the unused time of the previously issued insurance.

To terminate the document, you will need to provide the organization with a sales contract on the day the insurance is concluded and fixing this circumstance.

The insurance company collects 20% of the penalty. It is for this reason that for those who plan to drive a different car, it will be much more profitable to draw up a completely new contract or re-register the old one.

In this situation, there are some features. To carry out such a procedure, a person needs to actually own two vehicles at the same time, while insurance must be issued in one company.

All this is accompanied by certain difficulties.. You need to be especially careful if transactions are carried out between strangers to each other. There is a high possibility of fraud.

For a person who purchases a car, the “car citizen” of the former owner will not be legal.

The reason is that the owner of the vehicle changes, and also in the process of reissuing the registration certificate of the car, its number changes.

If all these data, as well as the main registration number, change, all these data are immediately reflected in the insurance policy.

According to the law, only the former insured has the right to make information changes to the insurance of "autocitizen".

Once the vehicle is sold, the new owner has no rights and no legal grounds to ask an outsider about this factor.

The previous owner will need to terminate the insurance contract completely, and the new owner will need to conclude a new contract.

At the same time, the balance of funds under the policy is taken by the previous car owner, only if the new owner does not have a general power of attorney to carry out certain legally significant actions.

If the question arises whether insurance is needed to re-register a car, there should be no doubt. Without this document, it is impossible to re-register a car in 2019.

Not all drivers know what to do, how to properly re-register the insurance contract. To carry out this process, you will need to prepare a package of documents and allocate time for a personal visit to the insurance company.

Some difficulties may arise in the process of choosing an insurance company. Here it is advisable to rely on the reviews of reputable acquaintances. You need to bring exactly the same documents to the selected insurance company as during the initial visit to the company.

Here are all the required documents:

With this package of documents, you need to contact the insurance company, sign the contract and pay the insurance contract.

After the registration process, the following documents will be issued to the driver - the original insurance policy, the rules of auto citizenship, a memo on actions in case of a possible accident, two copies of the European Protocol, a receipt confirming the payment of the policy.

Conclusion

The process of reissuing a policy is not complicated, but may be accompanied by certain bureaucratic delays. Also, during the registration process, you may encounter a complete unwillingness of the insurance agent to perform its functions in case of refusal of various additional services.

If such a situation arises, you should try to look for another company or use the usual mechanisms of legal action.

In all cases and situations, you can find a compromise solution not only with the insurance agent, but also with the owner of the car. You also need to drive very carefully so that you do not have to use an insured event.

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2 comments

For a person who purchases a car, the “car citizen” of the former owner will not be legal. The reason is that the owner of the vehicle changes, and also in the process of reissuing the registration certificate of the car, its number changes.

Why is the body number changing too? Auto insured, what the fuck difference who.? Auto INSURED money paid.

• It is interesting in your article the girls are dancing. The owner changes... The insured may remain the same, the person admitted to management changes, he saw insurance where the owner and the driver are the husband, and the insured is the wife... Yes, if the insurance is “open”, then in principle nothing changes at all. The previous owner becomes the insured, but even here there is a “but”, in the event of an accident, it is he who receives the insurance amount ... That is, you have written nonsense that confuses those who are not in the know. And, as I see it, you haven’t re-registered the tc for a very long time. When registering for a new owner, the license plate changes ONLY if it does not meet the standards (bent, badly scratched, chipped, etc.)

  So remove all this nonsense and write correctly and in detail in which cases it makes sense to change the policy, and in which it does not ...

Any reissuance of the insurance policy is equivalent to making changes to the current agreement. The need for this directly arises when changing the object of insurance. The operation to change the car, but without making changes to the policy, is a forced measure, which insurance companies always treat unambiguously.

How to re-register OSAGO for a new car?

It is possible to reissue any type of OSAGO only with the direct participation of the insurer. The mistake of motorists is considered to be independent attempts to re-register, 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 due compensation and the inability to renew the insurance.

In order to reissue an OSAGO for a new car, you must contact the insurer directly and hand over the current OSAGO to an authorized employee. No changes are made to the original document when changing the car - this is prohibited by the 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 way of reissuing is provided - drawing up a new OSAGO by recalculating the previously assigned premium and deducting the commission. This takes into account the remaining term of the policy. If it is insignificant, then it will be much easier to conclude a 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. If the remaining term exceeds 75% of the original duration of the document, the company will be obliged to re-register OSAGO, with the calculation of the commission fee. The amount of the commission should be specified in the contract - it is prescribed in the section on changing the agreement. Refusal to pay the commission (deducted from the total premium) will cause a refusal to change the agreement, despite the change of its subject (car). Therefore, in order to carry out the operation, one of the ways to contact the insurance company and re-register the subject of insurance is necessary.

List of documents

The documents for reissuing an OSAGO policy for a new car are completely identical to the standard package that is presented by a car enthusiast during the initial registration of OSAGO.

Among them:

• Title of the car entered into the policy - the VIN code data and information on the year of manufacture and manufacturer are prescribed in the application;
• series of driver's license;
• current OSAGO policy;
• model statement;
• data on all drivers entered in OSAGO.

The insurance organization cannot require additional documents. The list is exhaustive and cannot be extended. With such a decision of the company, the insured can (should) apply to the PCA. All measures prescribed in the profile will be taken here. FZ-201 (On OSAGO) , and the insurer will have to reissue the previously concluded agreement. The name of the car does not matter - the mechanism for all vehicles is identical.

When sending documents by any mail, the policyholder uses only copies. A copy is made of the OSAGO policy, and the original remains in the hands of the owner. In order to reissue the current OSAGO for a car, the PTS 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, termination of the contract with the insurance company is not implied, since the agreement is not terminated or closed. Appropriate changes are made to it and it continues to operate further.

Initially, the insurer accepts the application received from its client. All the circumstances of the replacement of the car 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 a new car - it will be possible to reissue it at any price of the car - more or less than the previous one.

If the price exceeds, the insured will have to agree to change the validity period of the agreement being concluded or to make an additional transfer. The amount is announced after all calculations. If the parties have no reason not to conclude an agreement and extend cooperation, the company will prepare a new policy within a week and hand it over to its current client (Article 213 fz-201). A change in the tariff will affect the amount of the insurance premium in the event that the maximum (nominal) cost of the car exceeds the maximum 1 million rubles, without reference to the country of origin.