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

Buying a car is an important decision, because it is a large investment of money. Searching for 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 and does not belong to scammers, it is rather difficult.

But you bought a car, you need to put it on the register, but first you need to get an insurance policy. And where to insure the car? Finding a company will help the Internet, 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 Policy

Car insurance is a compulsory procedure in the Russian Federation. Without obtaining the policy of the operating profile company, you, first, no one will reimburse the damage in the event of an insured event, and secondly, they will write out a fine of 800 rubles.

All vehicles are subject to insurance except those that, due to design features, can not move faster than 20 km / h, belong to the Ministry of Defense, are not allowed to operate on the conclusion of a maintenance order or are registered abroad.

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 make out any policy at the request of the car owner.

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

• With theft;
• Damage to the car by snow, ice, wood;
• Collision with animals;
• Sinking;
• Damage to third parties, etc.

Insurance in another region

Is it possible to insure the car in another region? Can. It is important only to pay attention to several aspects.

1. In any case, you will have to put the car on the register in the acquisition region, as well as insure it, even if you came just for the sake of this purchase. Otherwise, on the way back, you can meet representatives of the traffic police, which will "please" you with a big fine for the lack of necessary documents. You can avoid this unless you have shown a contract of sale, since the conclusion of which was no more than 10 days, but not all law enforcement officers are loyal. Therefore, if you still want to insure the car in your city, follow the scheme of the next point.
2. You can apply for a policy for the smallest of the company's proposed terms - for 3 months. Then the term of insurance will end quickly, and you can reinsert the car already in your city.

If you do not have a residence permit and the question is whether you can insure the 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. About the necessary documents, we will discuss further.

What do you need to insure?

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

For registration of the policy you need to have with you the following package of documents:

1. Passport or military ticket (for military personnel).
2. Passport of vehicle (PTS).
3. Driving licenses of persons allowed to operate the vehicle.
4. If the vehicle is borrowed or mortgaged, documents confirming this will be required.
5. Diagnostic card with valid vehicle inspection data.
6. Contract of sale (if any).
7. An application that can be filled directly at the company's office or in the place where you insure the car.

Price of issue

The price of an insurance policy depends on several factors:

1. Vehicle power in l / s.
2. The place of residence of the owner (for residents of cities, the insurance is more expensive than for people with a district residence permit).
3. The cost of the car.
4. The period of driving experience of the policyholder.
5. Insurance region (in central regions, insurance for cars is often more expensive than in more remote ones).
6. The number of people who are allowed to use the car (you can enter into the policy of certain persons, or you can simply make insurance without restrictions).
7. Accident-free driving (if you regularly get into an accident, not even through your own fault, you will have to pay more for the policy).

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

The most common problems with insurance in another region

Not all companies have representative offices in every region of the Russian Federation. Therefore, you need to know beforehand whether there is an insurer, whose policy you want to receive, in the place where you then 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 to insure a car in another region, Rosgosstrakh and other such well-known companies will help you with this most. And some insurance companies may completely refuse to the car owner with a non-local residence permit. Possible problems in MREO when registering with a non-regional company policy, but this is rare.