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

Buying a car is an important decision, because it is a major investment of money. Searching for a car is an equally important process, because choosing the one that suits you best so that it is in good condition, does not require large investments, but is not hijacked and does not belong to scammers, is a rather difficult matter.

But now you bought a car, you need to register it, but first you need to get an insurance policy. And where to insure the 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 figure it out.

Car Insurance Rules

Car insurance is a mandatory procedure in the Russian Federation. Without obtaining the policy of an active profile company, firstly, no one will indemnify you for the occurrence of an insured event, and secondly, they will be fined 800 rubles.

All vehicles are subject to insurance except those that, due to their design features, cannot travel faster than 20 km / h, belong to the Ministry of Defense, are not allowed to be used for maintenance, or are registered abroad.

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

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

• during theft;
• damage to a car by snow, ice, tree;
• collision with animals;
• drowning;
• damage by third parties, etc.

Insurance in another region

Is it possible to 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 acquisition region, as well as insure it, even if you came only for the sake of this purchase. Otherwise, on the way back you may meet traffic police representatives who will “delight” you with a large fine for the lack of necessary documents. You can avoid this, unless by showing a contract of sale, from the moment of 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 the car in your city, proceed according to the scheme of the next paragraph.
2. You can issue a policy for the smallest of the terms offered by the company - for 3 months. Then the insurance period will end quickly, and you can reinsure 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. The main thing is that you are a citizen of Russia. We will describe the necessary documents below.

What do you need to insure?

To obtain an insurance policy CTP or CASCO, you need to come to the office of the insurance company that you have chosen. The same service can be offered to you at some car dealerships. But in general, there are many companies where you can insure a car quickly and for any length of time.

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 (TCP).
3. Driving permits for persons authorized to drive a vehicle.
4. If the vehicle is taken on credit or mortgaged, documents will be required to prove this.
5. Diagnostic card with valid inspection data.
6. Sales contract (if any).
7. An application that can be filled out directly at the office of the company or at the place 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 residence of the owner (for residents of cities insurance is more expensive than for people with a regional registration).
3. The cost of the car.
4. The term of the driving experience of the insured.
5. Insurance region (in the central regions it is often more expensive to insure cars than in the more distant ones).
6. The number of people who are allowed to use the car (you can enter certain persons in the policy, or you can simply make insurance without restrictions).
7. Accident-free riding (if you regularly get into accidents, not even through your own fault, 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 another region

Not all companies have representative offices in each 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 come or return so that there are no problems with payments in the event of an accident or if you need to make changes to the policy.

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