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Is it necessary to insure a car? OSAGO without life insurance

Having a car is associated for the driver not only with the benefits of using it, but also with the need to incur certain additional expenses. These costs also include the registration of insurance for the vehicle. The legislation of the Russian Federation provides for both compulsory car insurance and several voluntary types. The types of these policies, as well as the features and conditions for their registration will be discussed in more detail below.

OSAGO is compulsory insurance of civil liability of one person (in this case the driver) to the party injured as a result of an accident or traffic accident. Transactions on this type of insurance are the most common, since the presence of such a policy is a mandatory legal condition for drivers.

IMPORTANT! Without compulsory motor liability insurance, access to driving a vehicle is prohibited, as is the ability to register a car or undergo a technical inspection. In addition, the driver may be fined for such a violation and the car will be taken to a parking lot.

The main insured event under this policy is damage to the life, health or property of third parties during an accident. The amount of compensation is calculated based on the total damage, but is limited to the maximum limits:

  • 500 thousand rubles. for one victim - when harm is caused to his life and health;
  • 400 thousand rubles. per victim - in case of property damage.

The cost of the policy is affected by several increasing factors, which depend on the following factors:

  • the client’s driving experience and age;
  • car power;
  • region of registration;
  • presence of accidents involving the driver;
  • insurance validity period;
  • number of persons included in the policy.

Due to each of these coefficients, the final cost of the policy can be several times higher than the base rate.

The main advantages of MTPL include:

  • low cost;
  • fixed rates and territorial availability of the policy (tariffs are set by law, so insurance companies cannot change them);
  • compensation for damage to the party injured in the accident at the expense of the insurance company (not the driver).

However, this insurance also has a number of disadvantages:

  • limited payment (it is usually not enough to repair expensive cars);
  • a small list of insured events (in particular, in the event of the theft of a car or its damage, the owner will not receive anything);
  • no payment for the driver himself.

To expand insurance risks and receive compensation in other cases, the driver should turn to other types of car insurance.

This policy is an extended version of compulsory motor liability insurance, which allows you to receive a payment in a larger amount than with compulsory insurance. Its registration is voluntary and can only occur at the initiative of the driver.

DSAGO is issued subject to the presence of a valid compulsory motor liability insurance, but this can happen in various insurance companies. Moreover, both policies are concluded with the same validity period and for the same vehicle.

The benefit of using DSAGO is that it can significantly increase the amount of compensation payment compared to compulsory insurance. The exact maximum limit is set by each insurance company, but, as a rule, it is equal to 3 million rubles.

IMPORTANT! You can receive payment under DSAGO only if the amount of damage is not covered by compulsory motor liability insurance.

In this case, the amount is calculated by subtracting the amount of the MTPL payment from the total amount of damage. The difference will be the amount of money that must be paid to the victim.

The main insurance risk covered by DSAGO is damage to:

  • life and health of third parties (driver or passenger of another vehicle, pedestrian);
  • their property (car, building, fence).

The cost of DSAGO is influenced by the same factors as with compulsory insurance, however, specific tariffs and limits on payments are already established by the insurance company. At the same time, the final price of the policy will not be too high - with a limit of 1-3 million rubles. it can amount to only a few thousand rubles.

This is another voluntary type of insurance that covers a greater number of risks than compulsory motor liability insurance or motor liability insurance. This policy does not cover civil liability, since its main purpose is property insurance. In particular, from theft or theft of a car, damage to it as a result of fire or natural disasters, etc.

IMPORTANT! It is worth considering that having a CASCO policy, although it is not required by law, is often necessary to carry out certain operations with a car. In particular, when buying a car on credit, banks always require the borrower to take out this insurance.

The main advantages of applying for CASCO include:

  • the possibility of receiving a large amount of compensation (it can be commensurate with the cost of a new car);
  • an expanded list of insurance risks that are included in the policy;
  • receiving compensation regardless of the presence or absence of the driver’s fault.

The disadvantages are:

  • high price;
  • restrictions in registration for some cars (in particular, according to such criteria as period of use).

As for the cost of the policy, the tariffs for it, unlike compulsory motor liability insurance, are not fixed and are not set by the state. These indicators are determined individually by each insurance company, but in most cases the final price of the policy is quite high.

In order to reduce the price of insurance, many drivers take out it with a deductible, due to which the cost is reduced. In this case, after the occurrence of an insured event, compensation will not be received in full, but taking into account the deductible.

Accident insurance

This policy is a type of CASCO insurance, only it includes an additional object - the life and health of the driver, as well as all passengers who were in the car at the time of the accident. In this case, an accident means:

  • disaster;
  • fire;
  • explosion.

The policy is also voluntary and is issued only at the request of the car owner. Payments can be made in the event of such incidents that occur with the driver or passengers:

  • wound;
  • mutilation;
  • loss of ability to work (both permanent and temporary);
  • death.

The cost of the policy is set individually by each insurance company. In addition to tariffs, it is also affected by some driver characteristics (for example, age). Registration is not possible for citizens who have group I or II disabilities.

Green map

This policy is an analogue of compulsory motor liability insurance, since it also provides motor third party liability insurance and is mandatory in some cases. Its main difference is its coverage area, which includes several dozen different countries (mainly European and CIS countries). As for Russia, the Green Card is not valid within its borders.

Most often, this policy is necessary if the driver plans to drive his car abroad. Moreover, even if he is allowed through customs without insurance, at the first check of documents in a foreign country he will be fined.

This type of insurance does not have any significant disadvantages, but its main advantages are:

  • the possibility of unhindered travel by car outside the Russian Federation;
  • avoiding the risk of being fined in a foreign country for lack of insurance;
  • simplified procedure for compensation to the injured party;
  • simplicity and speed of registration.

In particular, a driver can obtain a Green Card not only at most insurance companies in the Russian Federation, but also at special points that operate on the borders with other countries. In this case, the procedure will take a minimum amount of time. The document can be issued for a whole year or for a shorter period.

The main goal of all existing types of automobile insurance is to help drivers obtain payment to compensate for their own damages or to compensate the injured party for them. In addition to the MTPL policy, which is mandatory for registration, the car owner has the right to purchase all other types of insurance only at his own discretion.

OSAGO without life insurance - is it possible to purchase such a policy? This question arises for many motorists due to the fact that recently insurance companies have begun to actively offer related insurance services as mandatory: life insurance, additional motor liability insurance, etc. Let's figure out how not to overpay insurers.

Imposing additional services for car insurance

This is not the first year that a situation has arisen that many insurance companies, quite large and therefore reliable, refuse to issue their clients an MTPL insurance policy without concluding an additional life and health insurance contract.

At the same time, everyone understands perfectly well that coercion to conclude an agreement is unacceptable and clearly contradicts both the basic principles of civil legislation and even the provisions of the constitution.

Don't know your rights?

However, not all car owners begin to defend their rights or contact law enforcement agencies. This reluctance to “get involved” can be explained very simply: the insurance has expired, which means that you can no longer use the car, and therefore you will have to either follow the principle, defend your right and switch to public transport for a long time, or silently pay and save effort, money and time.

Such reasoning by car owners, of course, plays into the hands of policyholders who, without a twinge of conscience, take advantage of the disadvantageous position of motorists.

OSAGO: is it necessary to take out life insurance when insuring a car?

It is mandatory to take out life insurance when purchasing a compulsory motor liability insurance policy. This is exactly what most car owners think, who, willy-nilly, have to arrange a number of related services every year. These include:

  • Life and health insurance, favored by insurance agents;
  • property insurance, including housing or movable property in residential premises;
  • undergoing a technical inspection of the vehicle only at a service station specified by the insurance company.

It is important to understand one thing: no insurance company can or should force you to enter into an unnecessary insurance contract or use certain conditions. And the proof of this is the Civil Code, the law on compulsory motor liability insurance and the Constitution of the Russian Federation.

Amendments to the legislation on compulsory insurance

As probably all car enthusiasts already know, on August 2, 2014, a large-scale modernization of the current legislation on compulsory property insurance of vehicle owners began. During this modernization, the following amendments have already come into force:

  1. “No alternative compensation for losses” - a participant in a traffic accident now has no right to contact the insurance company of his own choice. Now every victim must turn to his or her insurer for compensation.
  2. For insurers who entered into an agreement later than August 2, 2014, the payment limits under the European protocol have been increased, that is, according to documents drawn up by participants in an accident, without inviting a traffic police officer or commissioners to the scene of the accident. It is important to note that this must be done no later than 5 days after the accident.
  3. A list of banks has been established that an insurance company can contact to store its available funds.
  4. The liability of a legal entity (insurance company) for the imposition of additional types of services and unjustified refusal to enter into a compulsory motor liability insurance agreement has been determined. At the same time, the amount of the fine is quite significant - 50,000 rubles.

What to do if the policyholder refuses to enter into a contract?

If you are determined to defend your rights and not pay extra to the policyholder for the imaginary benefits offered, you will have to gather your courage and act. There are several possible scenarios:

  1. You refuse to enter into an agreement, but ask to voice the reason for the refusal in the presence of witnesses, or record the conversation with the agent on a voice recorder, or ask for the refusal to be provided in writing. After that, you put the car in the garage and go to court to protect your rights. You will need to attach the evidence of refusal you have to the statement of claim and wait for the court’s decision. In total, this process will take about 2-3 months, but you will be able to recover moral damages from the offender (since you were forced to use public transport instead of a comfortable, beloved car), the amount of lost profits (if you earn money on this vehicle - calculated based on the average income for the period during which you did not have insurance), as well as the amount of actual damage (for example, the cost of driving someone else’s car). The process is labor-intensive, but payments can be provided in a significant amount, and the policyholder will be forced to enter into an agreement.
  2. Concluding an insurance contract and writing next to the personal signature on both copies “without life insurance (or other services), the issuance of a compulsory motor liability insurance policy was refused.” Then, with this policy, you need to contact Rospotrebnadzor, which will take measures to restore your rights. It should be understood that insurance is one of the types of services provided in our country, and therefore the policyholder will be responsible under the law on the protection of consumer rights. Consequently, you have the right not only to unilaterally, without any sanctions for yourself, terminate such an agreement, but also to receive compensation for losses incurred.
  3. This method is a little dubious in practice, however, according to many car owners, it has worked repeatedly. When you contact the policyholder’s office, you accept all its terms, enter into a compulsory motor liability insurance agreement, as well as an accompanying agreement, for example, life insurance, and a day or two later you contact the insurance company again and, on your own initiative, terminate the agreement, paying some part as a penalty insurance premium. Although here again you should think about the size of this penalty established by the company. If he strives for half the cost of the imposed service, then it would be reasonable to consider the question: is it worth terminating the contract at all? Maybe it's better to keep the insurance yourself?

Results

In general, what to do in this situation is up to you to decide. However, let's move away from this habitual way of life, when we sacrifice our interests just to “not quarrel.” It is simply necessary to defend your rights. But how to do it correctly is a completely different conversation. Don't let unscrupulous auto insurers take advantage of your gullibility or inexperience.

The entire insurance system is divided into two groups: compulsory insurance And voluntary.

At the same time, compulsory insurance established by law.

It is clearly regulated; rules, objects and insurance rates are defined for it by regulatory legal acts.

Based Article 927 of the Civil Code compulsory insurance is carried out by concluding an agreement between the insurance company and the insured person.

Compulsory insurance affects the risks of large masses of the population or the entire society.

Insurance rules are specified in a large number of federal laws and regulations. Many of them, such as passenger insurance, have been adopted in recent years.

But no matter how ideal the insurance legislation may seem, practice points to huge gaps in the system.

Types of compulsory insurance:

Compulsory medical insurance - compulsory medical insurance

Compulsory health insurance is the most common type of compulsory insurance. Almost all residents of the country have a compulsory medical insurance policy; it provides broad guarantees in the provision of medical services.

The purpose of compulsory health insurance is ensure immediate medical care at the expense of the fund's savings. Employers transfer money to the medical fund in the form of deductions in the amount of 3.6% of the unified social tax.

Not all medical services are provided free of charge; for example, preventive, health resort, cosmetology and other services provided on the personal initiative of citizens are provided on a commercial basis.

To obtain a health insurance policy, you must contact Territorial Compulsory Medical Insurance Fund, whose address can be found at the nearest clinic. When moving from one federal subject to another, you must surrender your old policy and then get a new one.

However, you have the right to receive medical care in any corner of Russia, therefore, When going on a business trip or vacation, be sure to take the insurance policy with you.

Insurance for transporting passengers by land, water or air

This type of insurance is provided by insurance companies that have concluded an agreement with the carrier.

The main purpose of this type of insurance is to protect the interests of passengers in the event of damage to life, health or property.

Insurance does not cover this type of transport such as a taxi.

The adoption of the law on insurance for the carriage of passengers in January 2013 was associated with violations by carriers of the interests of citizens and the lack of guarantees of receiving payments.

With the adoption of the law, the situation has changed little, and carriers, in collusion with insurance companies, are doing their best to avoid fulfilling their duties.

To receive payment in the event of an emergency, you will need contact the insurer with a ticket and insurance check. Therefore, do not throw away your ticket and insurance before arriving at your destination. The insurance is valid only for the duration of the trip.

Compulsory social insurance of citizens

Social insurance of citizens is one of the most useful and necessary types of compulsory insurance. Throughout their lives, the working population contributes funds to the social fund. From there, people in need receive payments.

Child benefits, disability benefits or large families, unemployment benefits, pensions - all this is paid by the social fund. It provides help to people who are in difficult situations, although this help can be difficult to achieve.

Social insurance is valid throughout a person's life. Many government agencies require presentation SNILS - document, which indicates the citizen’s special personal number.

Using this number you can find out about the amount of insurance premiums and work experience, which will subsequently affect the amount of your pension accrued.

To apply for SNILS you should contact Pension Fund with a passport or when applying for a job write a statement directly to the employer.

Insurance for military personnel and government employees

Insurance of military personnel, as well as government employees, helps protect the life and health of these people. For such categories of citizens special benefits and payments are provided. This is due to the constant threat to life and health.

Military personnel undergoing military service or contract service, government employees receive payments if their health is harmed, receive pensions for funerals and family support.

Insurance payments are not made if the insured person committed an act while intoxicated or intentionally caused harm to himself.

Insurance is handled by a company authorized to provide compulsory state insurance services. This organization a commercial, which has repeatedly caused controversy and discussion.


Another mandatory type of insurance is compulsory motor liability insurance. All car owners know about this type of insurance. It guarantees compensation for damage to health, life or property in the event of an accident.

Payments under compulsory motor liability insurance are small - up to 160 thousand rubles. To receive additional funds, you should insure yourself with DSAGO.

By the way, auto liability insurance will not help you in case of car theft or damage. For high payments and an extended insurance package, you will have to apply for CASCO, which is not cheap.

Every driver driving a vehicle must be included in the insurance policy; or it must indicate that anyone can drive. OSAGO must always be carried with you and in case of violation of the rules, present it to an employee of the Ministry of Internal Affairs.

Insurance of civil liability of the owner of a dangerous object

Mandatory types of insurance in the Russian Federation include civil liability insurance for the owner of a hazardous facility. This type of insurance is aimed at providing assistance to persons injured as a result of an accident at a dangerous facility.

The law on this type of insurance was adopted in 2010, but began to work only in 2012. All owners of dangerous objects must take out insurance and make additional payments to the insurance fund.

  • mines;
  • metallurgical plants;
  • mines;
  • explosives factories;
  • oil production platforms;
  • fuel and lubricants warehouses;
  • chemical shops;
  • flour mills;
  • other enterprises with the possibility of a threat to life.

People don’t often think about what a dangerous object is, yet they are close to us and pose a threat to life and health. Even escalators in shopping centers and subways can cause harm to health, and there have been cases of death!

An ammonia leak, an explosion at a nuclear power plant, a collapse in a mine, a fire at a gas station - all these are accidents at hazardous facilities.

Everyone remembers the explosion of the power unit in Chernobyl. The state still pays compensation to injured people for the harm caused, albeit in a ridiculous amount.

If an accident occurs at a dangerous facility, all injured people receive increased insurance payments.

The state allocates billions of rubles annually for life and health insurance of citizens. But not all of this money (but only a small percentage) reaches its destination. And all this because legal illiteracy of people.

If you want to receive the money you are entitled to by law, you will have to study regulations and acquire knowledge in the legal field.

Mandatory types of state insurance are:

  • compulsory health insurance;
  • insurance for passenger transportation;
  • compulsory social insurance;
  • insurance for military personnel;
    • And I congratulate you on the upcoming New Year +)

    Hello! The establishment and payment of compulsory insurance coverage for compulsory pension insurance is carried out in the manner and under the conditions established by the Federal Law “On Labor Pensions in the Russian Federation” and the Federal Law “On Burial and Funeral Business”.

So, is it necessary to insure a car under compulsory motor liability insurance and what kind of car insurance is required? To protect the rights of victims in a traffic accident to compensate for the harm that was caused to their life, health or property, the legal basis for compulsory motor third party liability insurance or, as compulsory car insurance is also called, compulsory motor liability insurance, is formed.

The aspect of MTPL as compulsory car insurance is indicated by regulations.

The MTPL policy is one of the main documents of the driver, which he must have with him and, if necessary, present to the inspector for inspection.

The policy is a civil liability document that the driver must purchase before the vehicle registration period, but no later than 10 days from the date of acquisition of ownership. The MTPL policy is mandatory for the driver, unlike CASCO.

Regulations on vehicle protection rules

“Regulations on the rules of compulsory civil liability insurance of vehicle owners” (approved by the Bank of Russia on September 19, 2014 N 431-P) is a legal document that establishes the rules of vehicle insurance, the application form for concluding an agreement, and the form of the compulsory motor third party liability insurance policy.

The specified legal act considers the procedure for conclusion, and. The procedure for paying insurance premiums and the list of actions of persons when implementing compulsory insurance, as well as the procedure for resolving disputes, are also considered. Requirements for organizing repairs are also indicated.

The following points can be specified as the main provisions:

  1. The MTPL agreement is concluded for a period of 1 year, with the exception of cases provided for in Article 10 of Federal Law No. 40.
  2. The agreement can be drawn up either in paper form or in .
  3. If the car has not passed state registration at the time of concluding the contract, then the “State mark” item is not filled out. It is filled in after the corresponding data has been transmitted.
  4. The car owner has the right to choose any auto insurer.
  5. The extension of the contract is carried out after the expiration of the current one.
  6. When an insured event occurs, participants in an accident are required to act in accordance with the rules of the road.
  7. Participants in road accidents are required to notify their insurance companies of the occurrence of an insured event.

Difference from CASCO

Before the introduction of compulsory motor liability insurance, road accidents often ended in litigation. With the introduction of compulsory insurance, road proceedings were streamlined within the framework of insurance companies.

Is it possible to travel without a document?


Lack of compulsory insurance when stopping a vehicle at a traffic police post threatens the driver with punishment. There are appropriate penalties for violations of the rules, which are regulated by the Code of Administrative Offenses.

The driver of the car is responsible for failure to comply with the rules in accordance with Art. 12.37 Code of Administrative Offenses of the Russian Federation. Based on Art. 12.37 The penalty for lack of insurance is a fine of 800 rubles. This penalty is also determined for persons with expired insurance (we talked about how long you can drive without penalties on an expired policy and what penalties are provided for this in).

Article 12.37 of the Code of Administrative Offenses of the Russian Federation. Failure to comply with the requirements for compulsory civil liability insurance of vehicle owners

  1. Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy - entails the imposition of an administrative fine in the amount five hundred rubles.
  2. Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, shall entail the imposition of an administrative fine in the amount of eight hundred rubles.

Also, if a fine was issued at one traffic police checkpoint, when the inspector stops again, the driver will be issued a fine in accordance with the same article. For each subsequent stop and lack of insurance, a fine will be issued.

Registration of an MTPL policy is mandatory and enshrined in law, and breaking the rules will result in punishment. Perhaps a penalty of 800 rubles may not seem that big, but if an insured event occurs, the absence of a compulsory motor liability insurance policy from the culprit of the accident will force you to spend a much larger amount.

As traffic flow increases, the likelihood of getting into an accident increases. The consequences of an accident are very expensive for vehicle owners. In order to minimize your own costs for restoring the operational potential of a car, it is advisable to resort to the implementation of a compulsory insurance program.

However, first you need to decide what documents are needed to insure your car.

What is OSAGO?

OSAGO is a compulsory insurance system that is regulated by law. Purchasing a policy allows you to compensate the damage caused to the car owner in the event of an insured event.

Until the adoption of the law on compulsory insurance, all disputes between participants in road accidents were resolved independently. Given the reluctance of each party to compensate for the damage, such conflict situations often led to litigation. To some extent, the law on compulsory motor liability insurance was adopted in order to reduce the burden on the country's judicial system.

Insurance companies are special commercial organizations. They can provide such services only if they have the appropriate license. The insuring party must be a company that is a member of the Russian Union of Auto Insurers.

After signing the contract, the company's client undertakes to make regular insurance payments, and the insurer undertakes to pay the amount of compensation upon the occurrence of an insured event.

Important! Operating a vehicle without an insurance policy on public roads is prohibited. The driver is obliged to provide it to the traffic inspector upon request.

What to pay attention to when applying for compulsory motor liability insurance?

Before you begin selecting documents for obtaining compulsory motor liability insurance, you must carefully select an insurer. In the modern market for the provision of insurance services, there are a sufficient number of organizations of this type. It is advisable to choose the most optimal terms of cooperation. To do this, you should pay attention to the following points:

  1. Reputation of the insurance company.
  2. Duration of provision of services.
  3. Basic level of price indicators.
  4. Additional bonuses.

Reputation of the insurance company

When taking out an insurance policy, there is a risk of becoming a victim of fraud. In addition to companies providing insurance services, there are also brokerage firms. The latter enter into contracts on behalf of other organizations. A very important point when choosing a suitable office is the reputation of the insurance company. In this context, it is very important to pay attention to the duration of the organization’s presence on the market, the percentage of its payments made upon the occurrence of an insured event, as well as customer reviews.

Service provision period

Subject to long-term cooperation, the policyholder can count on a reduction in the amount of the regular premium. Therefore, it is advisable to cooperate with one company over a long period of time.

Basic level of price indicators

Considering that the MTPL insurance policy is mandatory, the level of cost of such a product is determined by law. For this reason in different companies it will be approximately the same, as a result of which there is no need to waste time searching for budget options.

Additional bonuses (accident-free driving experience)

Many companies offer their customers to participate in various loyalty programs. Bonuses are provided for each year of accident-free driving. When you subsequently take out a policy with another company, the policyholder can count on a significant discount. In this case, getting into an accident once will cancel all existing bonuses.

List of required documents

Before concluding an agreement with an insurance company, you need to understand what documents are needed to draw up compulsory motor liability insurance. For individuals and legal entities, the existing list will have some differences. A more similar list of documents for compulsory motor liability insurance is presented below.

A power of attorney to represent the interests of a company is issued by the director of the company or his deputy. The following documents are required for car insurance: supplemented by a statement of agreement(in many companies everything is completed without an application, but not everywhere). It is filled out in the prescribed form. You can prepare the application at home or fill it out directly at the insurance location.

A certificate with insurance information from the previous company will be needed in case of early termination of the contract. Most often, the following points are noted in such a certificate:

  • the number of insured events that occurred;
  • nature of insured events;
  • lines of insurance;
  • information about insurance payments made;
  • information about the unsettled claims of the injured party.

After concluding the contract, the insurer provides the policyholder with the original insurance policy with signatures and seals, as well as a list of company branches where customer service can be provided. In addition, the company's client receives 2 forms of notification of an accident.

Registration procedure

The necessary package of documents has been collected, you can proceed to the actual registration of the policy. To do this, the policyholder must draw up an application and put his signature on it. You can download a sample application from the link at the end of the article.

After reconciling the data, the policyholder is provided with a sample insurance policy for subsequent completion. If everything is filled out correctly, then the representative of the insurance company signs. The original completed document with the signatures of the parties and all seals remains with the policyholder.

The formation of the cost of an insurance product will depend on various factors. The final price indicator is determined by the following points:

  • car brand;
  • body type;
  • power of the vehicle's power plant;
  • driving experience;
  • age of the vehicle owner.

The final cost is also affected by the region where the car is registered. This is due to different levels of road accidents in individual areas.

Cooperation agreement between the parties is concluded for 1 year. After the expiration of this period of time, it becomes necessary to conclude a new agreement. For vehicles crossing the country in transit, the cooperation period may be reduced to 6 months.

What's the result?

The necessary list of documents for car insurance can be obtained from any company providing services of this type. Taking out a compulsory motor liability insurance policy is a necessity for every road user. Without it, operating a car on public roads will not be possible.