Period of validity

IV. Period of validity, an order of the conclusion and change of the contract of obligatory insurance

13. The contract of obligatory insurance consists for 1 year and annually lasts, except for the cases provided by the present point.

Owners of the vehicles registered in the foreign states and temporarily used in territory of the Russian Federation, conclude the contract of obligatory insurance for all term of time use of such vehicles, but not less than for 15 calendar days.

At vehicle acquisition (purchase, inheritance, acceptance in gift etc.) its owner has the right to conclude the contract of obligatory insurance for the term of following to a vehicle place of registration. At vehicle registration its owner should show to the employee of registering body the insurance policy of the obligatory insurance confirming the conclusion of the contract of obligatory insurance for a period of 1 year.

14. The owner of a vehicle has the right to a free choice of the insurer who is carrying out obligatory insurance.

The insurer hasn't the right to refuse the conclusion of the contract of obligatory insurance to the owner of the vehicle which addressed to it with the statement for the conclusion of the contract of obligatory insurance and has presented documents according to the present Rules.

15. For the conclusion of the contract of obligatory insurance the insured represents to the insurer following documents:

The statement for the conclusion of the contract of obligatory insurance under the form according to the appendix № 1;

The passport or other identification card (if the insured is the physical person);

The certificate on registration of the legal person (if the insured is the legal body registered in the Russian Federation);

The passport of a vehicle or the certificate on registration specified in the statement for the conclusion of the contract of obligatory insurance of a vehicle;

The power of attorney on management specified in the statement for the conclusion of the contract of obligatory insurance by a vehicle or other document confirming the right of possession by this vehicle;

The driver's license (or its copy) the person admitted to management by a vehicle, and also the documents confirming the right of the driver on management by a vehicle (if the contract of obligatory insurance consists in a case on condition that to management of a vehicle certain persons are admitted only).

16. Under the agreement of parties the insured has the right to present copies of the documents necessary for the conclusion of the contract of obligatory insurance.

The insured bears responsibility for completeness and reliability of data and the documents represented to the insurer.

17. The insured at filling of the statement for the conclusion of the contract of obligatory insurance doesn't fill a line "the State registration sign" if by the time of the conclusion of the contract of obligatory insurance the vehicle which owner it is, hasn't taken place the state registration when due hereunder. After the state registration of a vehicle and reception of the state registration sign the insured is obliged to inform number of the state registration sign within 3 working days to the insurer who on the basis of the received data brings corresponding record in the form of the insurance policy of obligatory insurance.

18. At the conclusion of the contract of obligatory insurance the owner of the vehicle registered in the foreign state and temporarily used in territory of the Russian Federation, represents the documents provided by subparagraphs, "г" and "е" point 15 of the present Rules.

19. At the conclusion of the contract of obligatory insurance the insurer has the right to inspect a vehicle in a residence of the insured (in the location of the legal person) if other doesn't follow from the agreement of the parties.

20. Together with the statement for the conclusion of the contract of obligatory insurance the insured represents data on quantity and character of the come insured events, about carried out and about forthcoming insurance payments, term of the insurance, the considered and not settled requirements of victims, insurance payments and other data on insurance in validity of obligatory insurance (further are called - data on insurance), given to it the insurer with whom last contract of obligatory insurance, in an order provided by point 35 of the present Rules has been concluded.

Data on insurance aren't given by the person for the first time concluding the contract of obligatory insurance or concluding the contract of obligatory insurance concerning again got vehicle, and also the person annually renewing the contract of obligatory insurance at one insurer.

At the conclusion of the contract of the obligatory insurance providing management by a vehicle only by drivers specified by the insured (limited use), the insured gives to the insurer of data on insurance concerning each driver specified to it.

21. Citizens have the right to conclude the contract of obligatory insurance taking into account limited use of vehicles belonging to them. The period of use of a vehicle within a year, and also the drivers admitted to management by it, are specified in the statement for the conclusion of the contract of obligatory insurance.

22. In validity of obligatory insurance the insured is obliged to inform immediately in writing to the insurer on change of the data specified in the statement for the conclusion of the contract of obligatory insurance.

If in the contract of obligatory insurance limited use of a vehicle the insured is obliged to inform in writing to the insurer before transfer of management by a vehicle to the driver who has been not specified in the insurance policy of obligatory insurance, on occurrence in it the rights to management of the given vehicle, and also about increase in term of use of a vehicle in comparison with specified in the contract of obligatory insurance by term is underlined.

23. At reception from the insured of the statement for change of the data specified in the statement for the conclusion of the contract of obligatory insurance and (or) presented at the conclusion of the contract of obligatory insurance, the insurer has the right to demand from the insured of payment in need of an additional insurance premium in proportion to increase in degree of risk and to renew the insurance policy of obligatory insurance proceeding from insurance tariffs on obligatory insurance.

If the changes informed by the insured concern the data containing in the insurance policy of obligatory insurance, a special sign on the state sample the insurance policy of obligatory insurance and a special sign on the state sample should be returned the insurer who is obliged to give out to the insured within 2 working days renewed (new) the insurance policy of obligatory insurance and a special sign on the state sample. Returned by the insured the insurance policy of obligatory insurance and a special sign on the state sample are stored at the insurer together with second copies of the renewed (new) documents. On the initial and renewed insurance policy of obligatory insurance the mark about renewal with instructions of date of renewal and numbers of the insurance policy of obligatory insurance (initial and renewed) becomes.

24. The document certifying realization of obligatory insurance, the insurance policy of obligatory insurance which is made out by the insurer under the form according to the appendix № 2 is.

The form of the insurance policy of obligatory insurance has the uniform form in all territory of the Russian Federation and is the document of the strict reporting.

The insurance policy of obligatory insurance stands out to the person which responsibility is insured under the contract of obligatory insurance, with instructions of a maintained vehicle and (or) the trailer.

Simultaneously with the insurance policy to the insured the list of representatives of the insurer in subjects of the Russian Federation, a special sign on the state sample under the form according to the appendix № 3, the text of the present Rules, 2 forms of the notice on road and transport incident under the form confirmed by the Ministry of Internal Affairs of the Russian Federation in coordination with the Ministry of Finance of the Russian Federation free of charge stand out.

Further forms of notices on road and transport incident stand out the insurer free of charge on request of the person which responsibility is insured under the contract of obligatory insurance.

The insurance policy of obligatory insurance stands out to the insured directly at payment of an insurance premium by it cash, and in case of its payment under the clearing settlement - not later than the working day following day of transfer to the settlement account of the insurer of an insurance premium.

At loss of the insurance policy of obligatory insurance and a special sign on the state sample the insured has the right to reception of their duplicates. Thus the second and the subsequent duplicates stand out to the insured for a payment counted proceeding from expenses on their manufacturing.

25. Obligatory insurance can be carried out under one contract of obligatory insurance in common by several insurers (сострахование).

At состраховании the contract of obligatory insurance consists with the insured one insurer on behalf of all insurers participating in состраховании. In relations with the insured and the victim the specified insurer has all rights and performs all duties under the contract of obligatory insurance (сострахования). Thus the insurers participating in состраховании, should have the license for carrying out of obligatory insurance and bear a joint liability before suffered for realization of insurance payment.

The insurers participating in состраховании, are specified in the insurance policy of obligatory insurance.

26. The insureds concluded the contract of obligatory insurance and using vehicles for transportation of passengers, are obliged to inform passengers on their rights and the duties following from the contract of obligatory insurance.

27. The driver of a vehicle participating in traffic, is obliged to have the insurance policy of obligatory insurance and a special sign on the state sample.

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