PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of September 19, 2014 No. 431-P

About rules of obligatory civil liability insurance of owners of vehicles

1. Based on Article 5 and Item 11 of article 15 of the Federal Law of April 25, 2002 No. 40-FZ "About obligatory civil liability insurance of owners of vehicles" (The Russian Federation Code, 2002, No. 18, Art. 1720; 2003, No. 26, Art. 2566; 2005, No. 1, Art. 25; No. 30, Art. 3114; 2006, No. 48, Art. 4942; 2007, No. 1, Art. 29; No. 49, Art. 6067; 2008, No. 30, Art. 3616; No. 52, Art. 6236; 2009, No. 1, Art. 17; No. 9, Art. 1045; No. 52, Art. 6420, Art. 6438; 2010, No. 6, Art. 565; No. 17, Art. 1988; 2011, No. 1, Art. 4; No. 7, Art. 901; No. 27, Art. 3881; No. 29, Art. 4291; No. 49, Art. 7040; 2012, No. 25, Art. 3268; No. 31, Art. 4319, Art. 4320; 2013, No. 19, Art. 2331; No. 30, Art. 4084; 2014, No. 30, Art. 4224; No. 45, Art. 6154; 2015, No. 48, Art. 6715; 2016, No. 22, Art. 3094; No. 26, Art. 3883; No. 27, Art. 4293; 2017, No. 14, Art. 2008; No. 31, of the Art. 4746, (further - the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles") this Provision establishes rules of obligatory civil liability insurance of owners of vehicles (appendix 1 to this Provision), the application form about the conclusion of the agreement of obligatory civil liability insurance of owners of vehicles (appendix 2 to this Provision), form of the insurance policy of the obligatory civil liability insurance of owners of vehicles (appendix 3 to this Provision), and also the document form containing data on insurance (appendix 4 to this Provision), form of the notice on road transport incident (appendix 5 to this Provision) and the application form of insurance indemnity or direct indemnification (appendix 6 to this Provision).

2. This Provision is subject to official publication in "the Bulletin of the Bank of Russia" and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of September 16, 2014 No. 27) become effective from the date of entry into force of the order of the Government of the Russian Federation about recognition No. 263 which voided orders of the Government of the Russian Federation of May 7, 2003 "About approval of Rules of obligatory civil liability insurance of owners of vehicles" (The Russian Federation Code, 2003, No. 20, of Art. 1897; 2006, No. 36, Art. 3833; No. 52, Art. 5593; 2007, No. 26, Art. 3193; 2008, No. 9, Art. 862; No. 14, Art. 1409; No. 40, Art. 4549; 2009, No. 33, Art. 4085; 2011, No. 42, Art. 5922; 2012, No. 3, Art. 444; No. 50, Art. 7055; 2013, No. 36, Art. 4578).

3. Paragraph the fourth item 4. 1, item 4 paragraph two. 4, subitem 4.4. 2, subitem 4.4.3 (regarding the extreme amount of insurance payment for the harm done to the victim's life) item 4. 4, the paragraph third Item 4.22 of appendix 1 to this Provision are applied since April 1, 2015.

4. Item 1 paragraph two. 1, Item 1.3 paragraph two (regarding specifying on the policy of compulsory insurance in electronic form), Item 1.11 of appendix 1 to this Provision are applied since July 1, 2015.

5. Determine that till March 31, 2015 inclusive insurers can use the forms of insurance policies made before entry into force of this provision in case of the conclusion of agreements of obligatory civil liability insurance of owners of vehicles.

6. If other does not follow from the law, other legal acts or being of legal relationship, this Provision extends to persons having intention to sign the agreement of obligatory civil liability insurance of owners of vehicles.

Appendix 1

to the Provision of the Central bank of the Russian Federation of September 19, 2014 No. 431-P "About Rules of obligatory civil liability insurance of owners of vehicles"

Rules of obligatory civil liability insurance of owners of vehicles

Chapter 1. Procedure for the conclusion, change, prolongation, early termination of the agreement of compulsory insurance

1.1. The agreement of obligatory civil liability insurance of owners of vehicles (further - the agreement of compulsory insurance) is signed for one year, except as specified, provided by the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles". The agreement of compulsory insurance is signed concerning the vehicle owner, persons specified to them in the agreement of compulsory insurance or concerning unrestricted number of persons allowed by the owner to vehicle control in accordance with the terms of the agreement of compulsory insurance and also the other persons using the vehicle legally. 

The agreement of compulsory insurance can be signed as by registration and issue of the insurance policy of compulsory insurance to the insurer on paper, and by creation and the direction to it of the insurance policy of compulsory insurance in the form of the electronic document in the cases and procedure provided by these rules.

The vehicle owner for the conclusion of the agreement of compulsory insurance or entering of changes into it shall provide the personal data, personal data of the owner of the vehicle and if the signed agreement of compulsory insurance provides vehicle control by the drivers specified by its owner, - the personal data of each of such drivers including information and data which shall contain in the statement for the conclusion of the agreement of compulsory insurance and the documents necessary for the insurer for the conclusion of the agreement of compulsory insurance according to the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles".

1.2. In case of limited use of the vehicle the period of use of the vehicle, and also the drivers allowed to vehicle control are specified in the statement for the conclusion of the agreement of compulsory insurance.

The vehicle owner when filling the statement for the conclusion of the agreement of compulsory insurance does not fill the line "State Registration Sign" if by the time of the conclusion of the agreement of compulsory insurance this vehicle did not undergo state registration.

1.3. After state registration of the vehicle and receipt of the state registration sign the insurer shall tell number of the state registration sign within three working days to the insurer who based on the obtained data makes the corresponding entry in the form of the insurance policy of compulsory insurance, and also enters the corresponding data into the automated information system of compulsory insurance created according to article 30 of the Federal law "About Obligatory Civil Liability Insurance of Owners of Vehicles" (further - the automated information system of compulsory insurance).

When making concerning the vehicle of registration actions discharge of duty of its owner on insurance of the civil responsibility proves to be true by presentation to the employee of registering body of the insurance policy of compulsory insurance on paper, and in case of the conclusion of the agreement of compulsory insurance according to the procedure, stipulated in Item 7.2 articles 15 of the Federal law "About Obligatory Civil Liability Insurance of Owners of Vehicles", in the form of the electronic document or its copy on paper.

1.4. The insurance policy of compulsory insurance shall be the document certifying implementation of compulsory insurance. The insurance policy of compulsory insurance shall be drawn up by the insurer in the form specified in appendix 3 to this Provision. The two-dimensional bar code (QR code of 20 x 20 mm in size) containing in the insurance policy of compulsory insurance shall contain the data used for direct access by means of the official site of professional association of insurers on the Internet (further - Internet network) to the following data on the agreement of compulsory insurance: name of the insurer; unique number and date of issue of the insurance policy; start and end dates of the period of use of the vehicle during the term of the agreement compulsory insurance; brand, vehicle model, vehicle identification number and its state registration sign.

The form of the insurance policy of compulsory insurance has the single form in all territory of the Russian Federation. The Item 9 of form of the insurance policy of compulsory insurance (appendix 3 to this Provision) and Item 3 of the note of the specified form are not obligatory.

At the same time with the insurance policy are free of charge issued to the insurer the notice on the road accident in number of two copies and the list of representatives of the insurer in subjects of the Russian Federation containing information on the location and postal addresses of the insurer, and also all representatives of the insurer, communicating device with them and time of their work (except as specified the conclusions of the agreement of compulsory insurance in the form of the electronic document). The notice on the road accident is constituted in form according to appendix 5 to this Provision. In case of the conclusion of the agreement of compulsory insurance in the form of the electronic document the notice on the road accident in number of two copies is issued by the insurer free of charge according to the appeal of insurer. The insurer has the right to print out independently the notice on the road accident from the official site of the insurer in Internet network.

Notices on the road accident are in addition issued by the insurer free of charge upon the demand of person whose responsibility is insured under the agreement of compulsory insurance.

The insurance policy of compulsory insurance and the copy by the signed vehicle owner and the insurer (the representative of the insurer) of the statement for the conclusion of the agreement of compulsory insurance are issued by the insurer to the vehicle owner who filed petition for the conclusion of the agreement of compulsory insurance and if it is provided by the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles" or these rules, submitted other documents, and also fulfilled duty on payment of insurance premium, without delay after implementation of the specified actions. In case of the conclusion of the contract of compulsory insurance with the vehicle owner who is the legal entity, the insurance policy of compulsory insurance can be issued in other procedure determined by the agreement between such insurer and the insurer.

When losing the insurance policy of compulsory insurance the insurer has the right to its duplicate free of charge.

1.5. The vehicle owner for the purpose of the conclusion of the agreement of compulsory insurance has the right to choose any insurer performing compulsory insurance.

The insurer has no right to refuse the conclusion of the agreement of compulsory insurance to the vehicle owner who filed petition for the conclusion of the agreement of compulsory insurance and if it is provided by the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles" or these rules, submitted other documents.

1.6. For the conclusion of the agreement of compulsory insurance the vehicle owner submits to the insurer the documents specified in article 15 of the Federal law "About Obligatory Civil Liability Insurance of Owners of Vehicles".

The vehicle owner has the right to submit the documents necessary for the conclusion of the agreement of compulsory insurance, in the form of electronic copies of the documents received as a result of transformation of paper documents to their electronic image with preserving all details, or electronic documents in the following cases:

the agreements of compulsory insurance provided by the vehicle owner in case of the conclusion in the form of the electronic document of the data do not correspond to information containing in the automated information system of compulsory insurance provided that the insurer according to Item 1.11 of these rules does not reveal unauthenticity of the data provided by the vehicle owner or are absent in the specified information system;

the vehicle owner in case of the conclusion of the agreement of compulsory insurance did not provide at least one of the documents specified in subitems "b" - "d" Item 3 of article 15 of the Federal law "About Obligatory Civil Liability Insurance of Owners of Vehicles", on paper (under the agreement with the insurer);

other cases which can be provided by the agreement of the parties.

Provision of documents (electronic copies of documents) in the case provided by the paragraph the fourth this Item is performed by the vehicle owner by their direction to the e-mail address specified by the insurer on its official site in Internet network for the purpose of receipt of the corresponding files by it according to the requirement of this paragraph.

The vehicle owner bears responsibility for completeness and reliability of data and the documents submitted to the insurer.

The insurer has no right to demand from the vehicle owner of submission of originals of the documents provided by the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles" in case of the conclusion the vehicle owner of the contract of compulsory insurance with the insurer with whom the previous agreement of compulsory insurance was signed if there is no information that the copies of documents or electronic documents provided by the vehicle owner contain irrelevant data.

In case of the conclusion of the agreement of compulsory insurance in the form of the electronic document provision by the vehicle owner of the documents specified in subitems "b" - "d" Item 3 of article 15 of the Federal law "About Obligatory Civil Liability Insurance of Owners of Vehicles", is performed by means of independent receipt by insurers of access to the data containing in these documents by means of the automated information system of compulsory insurance (including with use of information system which according to the Federal Law of July 20, 2020 No. 211-FZ "About making of financial transactions with use of financial platform" (The Russian Federation Code, 2020, 30, the Art. 4737) provides to No. interaction of the financial organizations or issuers with consumers of financial services by means of Internet network for the purpose of provision of making of financial transactions and access to which is provided by the operator of such system (further - financial platform), in case of creation and the direction by the vehicle owner - physical person to the insurer of the statement for the conclusion of the agreement of compulsory insurance in the form of the electronic document with use of financial platform) and (or) by exchange of information electronically with relevant organs and the organizations, including with use of single system of interdepartmental electronic interaction.

In case of the direct personal address of the vehicle owner to the insurer for the conclusion of the agreement of compulsory insurance the application blank about the conclusion of the agreement of compulsory insurance free of charge is submitted the insurer to the vehicle owner according to its requirement.

1.7. In case of the conclusion of the agreement of compulsory insurance the insurer has the right to perform inspection of the vehicle. The place of survey of the vehicle is established by agreement of the parties. In case of not reaching an agreement concerning the place of survey of the vehicle or in case of creation of the agreement of compulsory insurance in the form of the electronic document survey of the vehicle by the insurer is not carried out.

1.8. Together with the statement for the conclusion of the agreement of compulsory insurance the vehicle owner has the right to provide to the insurer the information on insurance received from the insurer with whom the previous agreement of compulsory insurance was signed.

Information on insurance is not provided by person signing the contract of compulsory insurance with the insurer with which the previous agreement of compulsory insurance was signed.

In case of the conclusion of the agreement of the compulsory insurance providing vehicle control only by the drivers specified by the vehicle owner, the vehicle owner provides to the insurer the information on insurance concerning each driver specified to them.

Paragraph fourth ceased to be valid

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