Car insurance under a sales contract. How long can you drive without a compulsory insurance policy after buying a car? Is it possible to include the owner in the purchase and sale agreement?

Today, when purchasing a car, every citizen carries out a transaction according to the established procedure, drawing up an agreement on the purchase of the vehicle with the previous owner. As you know, in order to participate in road traffic legally, within a short time after purchasing an “iron horse” it is necessary to take out a compulsory motor third party liability insurance policy for it. All sorts of situations happen in life, and you may not be able to go to the insurance company immediately after purchasing a car, but you will need to travel on the road for some time. A logical question arises: how long can you legally drive under a purchase and sale agreement? In this material we answer it.

It must be borne in mind that it is not possible to move along the road if you only have a purchase and sale agreement with you. You can drive without a compulsory motor liability insurance policy for some time, but you cannot do without the package of the following documents from the very beginning:

Driver's license required;
vehicle passport;
documents confirming the good condition of the vehicle;
papers confirming its registration at the state level.

None of these documents can be done in one day, so if you don't have them, put off traveling. Most importantly, it is important that you really know how to drive a car, and have certificates confirming this fact.

How long does it take to obtain insurance?

Indeed, by law, you have the right to drive for some time after purchasing a car on the basis of a purchase and sale agreement, since you need to take out an insurance policy, and this takes some time.

Recently, it has become possible for drivers who purchase a car at car dealerships, rather than in private hands, to obtain insurance directly at the dealership. However, unfortunately, it is not yet possible to carry out this procedure in all regions of our country, since in some cases there are no insurance agents present there.

If in your case such an opportunity was not provided, you must apply for compulsory motor liability insurance yourself, within the deadline given by law. Which insurance company should you choose? We'll talk about this in

According to the letter of the law regulating the issue of interest to us, motor third party liability must be insured no later than 10 days after the execution of the contract for the purchase of a car. In other words, count 10 days from the day the car became yours, and you will find out the deadline by which you need to contact the insurer and fill out all the relevant documents.

The required period will be relevant for both of the following cases:

when purchasing a car from a showroom;
when buying a car second hand.

Why you need to insure your car:

to drive it legally on the roadway;
to complete the registration procedure at the traffic police.

As you understand, until the car is re-registered in your name at the State Traffic Safety Inspectorate, the previous driver will be officially listed as its owner in the service’s databases, which may cause you some problems. We'll tell you how to register a car for the new owner.

An important nuance: if you get into an emergency while traveling on the basis of a contract, compensation for expenses will be entirely on your shoulders, and you will need to cover the losses exclusively from your own pocket.

The ten-day period is also relevant for the following number of situations:

when the car is passed on to you by inheritance;
when a vehicle is donated;
ownership rights are transferred in another way determined by law.

Video - Is it possible to drive without compulsory motor insurance after purchasing a car?

Arguments for obtaining insurance in a short time

Table 1. Reasons why it is necessary to issue an MTPL policy

Getting into an accident	Stop by a traffic inspector	Fines from photo cameras
If you get into an accident in a car that is not insured against the required incidents, as we said above, you will have to independently restore your own car and the damage caused to it, as well as the car of a fellow sufferer - the second (or even third, etc.) participant Road accident, if you are at fault for the collision. Every driver today knows how expensive it is to restore even a small damaged part of a car. Provided that another party to the accident files a claim against you, it will not be possible to reach an agreement and the consequences could be catastrophic.	Traffic police officers have the right to stop you for inspection while driving on the roadway. Verification involves the presentation of relevant documents, namely: rights; insurance policy, etc. Of course, the service cannot detain you and impose a fine if you meet the legal deadlines; however, you will have to waste time explaining to the inspector that you have not violated anything.	Cameras that record cars can automatically determine that a motorist has no insurance, transmitting data to the traffic police. To get rid of the fine that came in your name, you will have to go to the traffic inspectorate and fill out a corresponding application, wasting a lot of time.

Fines accrued after the expiration of the period given for registration of insurance

As we have already said, each driver who bought a car has a period of 10 days during which he must take out insurance. Provided that you met it, no legal consequences will follow; however, monetary penalties still await those who were unable to cope with the task.

The policy is a guarantee that you will not be fined for not having a complete package of documents

So, if you are caught traveling without insurance, you will have to pay an amount equal to 800 rubles. However, monetary sanctions will await you even if you have prepared the necessary document, but:

forgot it at home;
there is insurance, but the period of use for which it was issued has expired;
They did not include the person sitting behind the wheel at the time of capture.

The fine in the above cases will be 500 Russian rubles. However, if your relatives can deliver the policy directly to the detention center, most likely, the traffic police will agree to limit themselves to a simple warning.

Let's sum it up

Traveling by car immediately after purchasing it is permitted by law, since any driver physically needs time to get to the insurance registration point and carry out the procedure of interest to us. Taking into account the fact that each of us has certain obligations, such as going to work, a rather long period of time is allocated: ten whole days. However, after it expires, you lose the right to move along the roadway without legal consequences, and if you are stopped by civil service employees monitoring order on the roads, you will receive a fine.

Many car owners are interested in one aspect: is it possible to drive without insurance under a sales contract in 2017? Of course, yes, but only according to certain rules.

To date legislative Our country's system is completely perfect when it comes to these issues. Therefore everything fundamental the rules are clearly reflected and have appropriate interpretation

In 2017, Law No. 40-FZ of April 25, 2002 was recognized as valid. According to this law of the Russian Federation, a person who purchased a vehicle must insure his car no later than 10 days from the date of entry into force of ownership rights.

The second paragraph of this article describes a number of conditions under which the driver has the right to drive without insurance.

The text states that the owner of the car:

can drive until the vehicle is registered with the traffic police;
can travel no more than 10 days from the date specified in the contract;
must have the purchase and sale agreement with him and present it upon request.

Thus, Russian legislation You are allowed to drive without insurance for 10 days after signing the purchase and sale agreement. Therefore, there will be no fines or other sanctions for this. This right is also mentioned in Article 12.37 of the Code of Administrative Offenses and Traffic Regulations.

Underwater rocks

For any representative of the traffic police, the absence of an insurance policy, even if there is permission, will be regarded differently. Therefore, it is best to take care of receiving relevant documents, complete all the paperwork, and only then start using your car.

Today, there have been a considerable number of cases where drivers got into trouble due to incorrect paperwork.

Despite the 10-day allowance, it is better to insure your car earlier. And the sooner the better. Because :

In case of any accident, you will have to call the safety inspection, since without compulsory motor liability insurance it is impossible to register the incident according to the Euro protocol;
2. If a driver without insurance is to blame for the accident, he will have to pay for the restoration of the damaged vehicle from his own funds;
3. Inspection staff do not encourage driving without insurance, even if it is permitted by law. Therefore, when stopping at a traffic police post, you should prepare in advance for long negotiations;
4 . Modern photo recording cameras allow you to automatically identify drivers without insurance. Because technology does not understand the nuances legislation, the driver will receive a fine by mail. And he will have to set aside his time to come to the authorities and personally write a statement.

In the end, you won't have to pay a fine, but your nerves and gasoline will be wasted.

No one is safe from road accidents. In this regard, having insurance is a guarantee of protection. And in most cases it is not profitable to refuse it.

How to protect yourself for sure

Of course, people are interested in how they can protect themselves from various negative factors and not get caught. law enforcement organs. Today you can take a closer look at the recommendations that can really help.

Despite Although it is possible to drive without insurance, it is advisable to take additional measures during these 10 days. Namely :

Always have your ID and purchase contract on hand;
Avoid any conflicts with authorities, no matter on whose side the law is;
Just in case, print out and carry with you the necessary paragraphs of Article 40-FZ, so that if necessary demonstrate to his inspection officer.

In addition, if it is not possible to purchase compulsory motor liability insurance in the near future, you can always take out a temporary policy. For example, for six months. In any case, it’s more reliable.

However, there is one more step ahead, without which you cannot be considered a full-fledged owner of a new car - taking out MTPL insurance.

It is quite simple to answer the question whether it is possible to drive without insurance under a purchase and sale agreement in 2017, since all aspects are spelled out in relevant legislative acts Without getting into the exact details, any lawyer will tell you that you can drive, but not at all long lasting time .

Sometimes they offer to insure a vehicle immediately at the dealership where it was purchased. However, in most cases, such a deal benefits only the sellers. Therefore, before agreeing, you should carefully read the terms and costs. Especially if employees persistently try to convince you that you can’t drive without insurance.

Any driver must have with him and present upon request to the road inspector the vehicle registration documents and an active compulsory motor liability insurance policy (Traffic Regulations Art. 2.1.1; Order of the Ministry of Internal Affairs No. 59 “On the procedure for registering vehicles” 2003/27/01).

But a freshly purchased car is not burdened with any registrations or insurance. In order not to incur the wrath of traffic cops and not to come into conflict with the law, you need to clearly know how long you can drive under a purchase and sale agreement. Otherwise, fines and sanctions cannot be avoided.

According to Government Decree No. 1156 2012/12/11, the driver is obliged to present to the traffic policeman:

driver license;
OSAGO;

He is not required to show other documents, including the paper on the acquisition of property.

If there is nothing other than the purchase and sale agreement and the agreement, then the DCT will become a salvation (in some way and under certain circumstances).

A good half, or even more, of drivers and inspectors are sure that appearing on the road without compulsory motor insurance is not only illegal, but also burdensome for the wallet. Their confusion is dispelled by two documents:

Federal Law No. 40 “On Compulsory Motor Liability Insurance” 2002/25/04 editions 2016/23/06 and 2016/01/09, Chapter 2 Article 4 Clauses 2 and 6;
Decision of the Supreme Court of the Russian Federation No. AKPI12-205 2012/17/04.

The MTPL Law specifies the unquestioning obligation of driver's liability insurance no later than 10 days from the moment the ownership of the car arises (Clause 2, Article 4). While motor vehicle liability is not insured, the owner of the car assumes all risks and bears full responsibility for compensation for damage caused on the road (clause 6 of article 4).

The moment of acquisition of property by the Civil Code, Article 223, refers to purchase, inheritance, etc. Ten calendar days are given to the new owner to undergo maintenance, obtain a diagnostic card, and obtain insurance and registration documents.

During the 10 designated days, the only document for the car can be considered a purchase and sale agreement, a certificate of acceptance of inheritance or other supporting documents (depending on the origin of the property).

Talks about fining an irresponsible car owner who does not have a policy.

In the body of the article, the term “deliberately” is used, which indicates that the article does not apply to drivers whose lack of insurance document is not due to intent, but to natural circumstances.

Moreover, people are brought to justice under the Code of Administrative Offenses only for completed violations; in this case, a “road violation” can be considered completed (registered) only after the 10-day “quiet period” has expired, during which the car owner must perform the necessary actions. At the end of this one and a half week period of time, it will be possible to say that the action (inaction) of the car owner led to an unlawful result.

The question of whether it is possible to use vehicles without insurance at this time, which has caused ambiguous interpretations and fierce debate, is clarified by the Supreme Court Decision No. AKPI12-205 2012/17/04, paragraph 14:

“...before the expiration of the ten-day period allotted to the owner of the vehicle for concluding a contract of civil liability insurance, the driver of such a vehicle has the right to drive it without an appropriate insurance policy, which directly follows from the contested norm of the Rules, which provides for the driver’s obligation to carry this insurance policy with him only in cases established by federal law."

Thus, you can drive without compulsory motor insurance, but not for long. It’s better not to delay its registration - without a policy, you won’t be able to register a car according to all the rules.

In the event that only a purchased car is stopped by a road inspector, the supporting documents for presentation will be a dated purchase and sale agreement and the text of the Supreme Court Decision.

Having a printed AKPI12-205 with you is advisory in nature and is due to the fact that, alas, some traffic cops are not familiar with the legislative framework in full and operate only with traffic rules, Orders of the Ministry of Internal Affairs and individual articles of the Code of Administrative Offenses. Therefore, the phrase “I don’t know such a resolution,” unfortunately, periodically sounds from the mouths of traffic police officers.

Ways to legally drive an unregistered car

Without the insured liability of the car owner, it will not be possible to register a car with the State Traffic Safety Inspectorate (Ministry of Internal Affairs Order No. 605 2013/07/08; Law on Compulsory Motor Liability Insurance, Art. 4, Clause 2).

To register a car, 10 days are allotted after purchase, including holidays and weekends (Order of the Ministry of Internal Affairs No. 1001 “On the procedure for registering a vehicle” 2008/24/11, edition 2015/13/02). The fine for late payment, which was previously 100 rubles, has now been increased 20 times.

The transit option has ceased to be relevant since 2013 (Order of the Ministry of Internal Affairs), although it has not lost its legality.

Now transits are issued in exceptional cases only for 10 days and mainly to individuals and legal entities.

Moreover, the period for issuing transits has increased significantly, and the cost has increased. Extending the validity period of transits is prohibited by law.

A used car purchased with license plates must be re-registered within the same 10-day period. Otherwise, taxes and fines will go to the previous owner. During the days allotted for formalities, the car owner can drive with a DCT and a PTS, where he must be entered without fail. On the 11th day, if unfavorable circumstances occur, a penalty will be imposed on him, and he will also have to pay a “biting” amount to the traffic police for late registration.

Another option to travel for some time in a car that has not been re-registered is the old owner’s MTPL policy, which has no restrictions on users. Or the former owner will designate the new owner in the policy as admitted to management. This move works if the car was purchased through a contract from one of your close relatives.

A brand new car from the showroom has no license plates. Driving without state signs is punishable by law, but if you have a DCP, the same 10 days according to the calendar are allowed for registration with the traffic police and obtaining license plates.

A complete list of situations allowing the use of a wheeled vehicle without license plates is given in Government Decree No. 938 on state registration 1994/12/08 edition 2016/25/05.

Manipulations with PrEP

The car purchase agreement writes off “current sins” for the new car owner and gives him a free hand for a week and a half. The imperfection of legislation allows one to manipulate the contract without violating the law.

The DCT, which justifies driving without re-registration, is signed by only two persons and does not provide for certification.

This situation opens two loopholes with the agreement, according to which semi-legal movement by car becomes completely legal and is not subject to sanctions:

Renewal of the agreement in a week and a half will extend the “period of impunity” for another 10 days. Such an update can be done as many times as you like, if the former owner has nothing against it.
Registration of a policy with an open date. In this case, the date can be entered into the contract in 5 seconds upon the arrival of “hour X”.

Please note that such actions are possible only with the consent of the previous owner and work great if you buy a car from a close relative (for example, a grandson bought a car from his grandfather, who lives with him).

In the case of a stranger, you should not endlessly take advantage of his “accommodation”, because transport taxes and fines will continue to come to him (TC Art. 28).

One day his patience may run out, and he will stop registering or dispose of the sold car.

Other re-registration options

In general, there are only two logical options for selling a car with re-registration:

you sign a contract, hand over the keys and documents with a warning that in 10 days you will check the data in the traffic police database (if there is no change of owner, you can immediately stop registering or dispose of the vehicle);
You complete the transaction directly with the MREO, which will give you confidence in a guaranteed change of owner.

From the moment of purchase, official ownership of the vehicle begins. Today, any car must have insurance, even if the car was purchased used. Therefore, every car owner asks the question how many days today, according to the law, you can drive without carrying out this procedure, and what will happen if you do not draw up a mandatory document.

How long can you drive without insurance under a sales contract 2018?

Every person has the right to purchase a vehicle. Under the purchase and sale agreement, responsibility for the car passes to the new owner. Therefore, if a new driver does not obtain documents for insurance, he may receive a fine. In order for the owner to complete the registration, the law allows him to drive the car without this document for some time. Such driving is permitted only for 10 days after signing the documentation for the purchase and sale agreement.

Federal Law No. 40 in Article 2 states that the issue of driving a vehicle after purchase without insurance is relevant in cases where:

The driver can provide documentation regarding the purchase and sale agreement.
The vehicle is not registered with the traffic police.
Less than 10 days have passed since the purchase was made.

Referring to these provisions, we can say how many days you can officially drive without insurance after purchasing a car - 10. In other cases, this cannot be done, since the generally established procedure requires that the driver be able to present his license, technical transport passport, insurance documentation and others certificates required by the situation.

How much time is given by law to register a vehicle?

The question of how many days you can drive without registration and insurance is also relevant for many car owners. For this year, according to the current rules, the period for registration is 10 days. The juice is calculated from the date of the purchase and sale agreement. The only way to legally drive a car for a longer period is to draw up a new contract and enter the required date.

Whose responsibility is it to register the car?

Immediately after the transaction under the purchase and sale agreement has been approved, it is necessary to conclude compulsory motor liability insurance. Today there is no need to deregister a purchased car, but the previous owner has the right to do so. The new owner can simply enter new information into the title and register it. In this case, you can get a new license plate for the car, but the answer to the question of how many days you can drive without insurance or registration remains the same - 10 days. The new car owner, who still has the responsibility to register the car, can go to the local or other traffic police department.

How long can you drive under a sales contract with insurance?

According to the purchase and sale agreement, today you can drive the car for 10 days. This is also relevant when you need to find out how many days you will be able to drive if you have insurance and are not registered under a new name. It is recommended not to delay in obtaining insurance, since its absence is punishable by law. Also, when asking how many days you can drive if you have insurance under a sales contract, you should understand that if the driver gets into an accident, his car cannot be quickly serviced, since it has not been re-registered in the name of the new owner.

Is it possible to include the owner in the purchase and sale agreement?

Having figured out how many days you can travel under a purchase and sale agreement, the question arises as to who should add the new names of the owners to the agreement. This information is entered directly during the document execution process. Both parties enter their information, which also includes personal data of the new car owner.

Every driver knows that before getting behind the wheel of his car, he must obtain compulsory motor liability insurance. But what to do if you have just purchased a vehicle? How long can you drive without insurance under a sales contract? We will look at the answers to all questions in the article.

The law on compulsory motor liability insurance was adopted in April 2002. Since the introduction of the law, drivers have been given a short period of time to carefully study the conditions and understand the registration procedure. Every year, amendments were made to the law, but one condition remained unchanged. The essence of the main condition is that every driver is obliged to insure his liability and only after that gets behind the wheel.

As for liability, there is only a system of fines. More severe punishments, in the form of imprisonment for several days or evacuation of the car for a parking fine, are currently not provided in the territory of the Russian Federation.

Insurance requirements:

the owner of the vehicle (or an authorized representative) is obliged to buy compulsory motor liability insurance and insure the liability of all drivers allowed to drive
It is strictly forbidden to drive a car during periods that are not specified in the contract (when the policy has expired and is considered invalid)
the insurance premium for compulsory motor liability insurance must be paid in full before the start of the contract

All requirements can be carefully studied in a single 40 Law, which is published on the official website of the RSA and the Central Bank.

Features of OSAGO

As practice shows, many traffic participants do not even know why a contract form is needed and simply draw it up, since this requirement is enshrined in law.

Features of OSAGO:

Object of compulsory insurance	According to the contract, it is not the car that is insured, but the civil liability of the driver who is driving the car. The essence of insurance is that the damage incurred as a result of an accident will be paid not by the at-fault driver, but by the insurance company from which the form was purchased.
Pay	Only the victim can receive compensation. The guilty party will pay for repair work on their car at their own expense.
Limit of liability	Payment amounts are strictly limited. In case of damage to the structure, compensation is provided for no more than 400 thousand rubles for each car. Citizens will be able to count on a maximum of 500 thousand rubles if they are injured as a result of an accident.
Term	The contract is always issued for 1 year. As for the period of use, the client himself decides which one to choose. It is possible to buy OSAGO with a period of 3 months.
Rates	All companies have a unified tariff system, which is approved at the legislative level. All tariffs are published on the unified RSA portal and are available for public viewing.
Insurance territory	The protection is valid only on the territory of the Russian Federation.
Decor	Any capable citizen can purchase protection, provided they have a full package of documents. You can apply for protection both in the office and remotely.

How long can you drive a car without insurance?

You already understand why insurance is needed. It remains to consider the most basic question that worries many drivers: how long can you drive a car without insurance? At the same time, this question is relevant for those who buy a used or new car.

If you purchased a used car

When purchasing a used car, the seller and buyer enter into a sales contract. According to the law, the new owner is required to register the vehicle and obtain license plates within 10 days. This period is given so that the new owner can move the car, if necessary, and take out insurance.

Within 10 days, the driver can drive a car and, if necessary, present a sales contract. This is necessary in order to avoid penalties. As for compulsory motor liability insurance, the Law “On Compulsory Insurance” states that the driver must first obtain protection, and then get behind the wheel. If a motorist gets into an accident within 10 days, he will compensate for the losses at his own expense.

If the car has no mileage

What to do if you purchase a new car from a dealership? It is worth noting that the law is the same for everyone and the driver is also given 10 days during which he must obtain license plates. Therefore, you should not take risks, since the amount of damage received may be several times greater than the cost of compulsory motor liability insurance.

When buying a new car you can buy protection:

in the salon, through official representatives
through the Internet

As for the last method, you can even apply for protection from your mobile phone on our insurance portal, through a trusted broker Sravni.ru.

Why is it better to hurry with insurance?

Why do experienced experts advise applying for protection as soon as possible and not driving the car until it is issued? The thing is that while there is no insurance, all costs associated with the restoration of the victim as a result of an accident will be at your expense.

For example, you become the culprit of an accident and cause damage in the amount of 100,000 rubles. These funds will have to be compensated voluntarily or judicially within a short period of time. If you don’t have your own savings, the court may order you to sell the vehicle.

It is worth considering that the cost of compulsory motor liability insurance, as a rule, does not exceed 10,000 rubles. Is it worth the risk and exposing yourself to larger financial losses? In this case, the answer is obvious. It is in order to protect yourself from large expenses that you should buy a compulsory motor liability insurance agreement as soon as possible after completing the transaction.

Also, do not forget about the fines that apply for the absence of an agreement. In many large cities, cameras are installed that scan the car's license plate number and check the information against a single RSA database. Within a few days, the amount of fines received will be equal to the cost of compulsory motor liability insurance.

Punishment for driving without compulsory motor liability insurance

At the legislative level, a system of fines is provided for driving a vehicle without compulsory motor insurance. It is important to take into account that the amount of the fine is the same for both individuals and legal entities.

A driver who has not issued compulsory motor liability insurance will be required to pay a fine of 800 rubles. In this case, a fine will be issued every time a traffic police officer stops the car to check documents.

If stopped by a traffic police officer

Agree, it is an unpleasant situation for the driver when a traffic police officer stops you to check your documents. In this case it is necessary:

listen to the accident officer and if the period of 10 days from the date of purchase of the car has not yet expired, present the vehicle purchase and sale agreement
if the deadline has expired, you must pay the fine on the spot, or receive a protocol with which to go to the bank branch in order to pay

It is important to consider that a traffic police officer does not have the right to remove license plates or tow a car.

How to protect yourself

How can you protect yourself from financial expenses when buying a car under a sales contract? Here are some tips for your consideration:

The first step is to immediately apply for compulsory motor liability insurance in real time. A convenient calculator on our website will help you, which will generate a calculation and offer a policy from several large companies at once. All you have to do is choose, enter your details and pay
Do not drive the car until the OSAGO form has been issued.
When buying a used car, take a contract from the previous owner. In this case, it is important to contact the insurance company with the previous owner and make changes: change of owner and driver. As a rule, these changes are made free of charge or for a small additional fee. This will allow you to insure your liability and save money.

In conclusion, it can be noted that, within the framework of the law, the driver is given 10 days to register the car. During the specified period, a fine cannot be issued for the absence of a contract. As for the insured event, liability cannot be avoided. If the guilty party does not have compulsory motor liability insurance, then the costs will have to be compensated at their own expense voluntarily or in court.