Article 9. Entry into Force and Period of Validity of Insurance Contract

1. The insurance contract shall come into force on the date indicated in the contract.

2. A standard insurance contract shall be concluded for a period of twelve months. The insurer shall issue to the policyholder an insurance certificate certifying the conclusion of an insurance contract and the provision of insurance coverage. The insurance certificate shall also indicate its period of validity, which shall not be shorter than 1 month and for which the insurance premium has been paid. During the period of validity of the insurance contract, several insurance certificates may be issued.

3. For the duration of the insurance contract, the insurer, at the policyholder’s request, shall release the policyholder from the obligation to pay insurance premiums under an insurance contract in force where the policyholder intends not to use the motor vehicle for a period longer than 1 month. The policyholder must provide assurance to the insurer that during the period of release from payment of insurance premiums he will not use or let other persons use the motor vehicle specified in the insurance contract and may place, free of charge, the motor vehicle registration plate into the custody of the insurer. The period of release from payment of insurance premiums shall terminate as soon as the insurer issues a new insurance certificate at the policyholder’s request. Where an insurance premium is nevertheless paid for a period in respect of which the policyholder is released from the obligation to pay insurance premiums, the insurer shall extend the insurance contract by that period without requesting any additional premiums for that period. Where the policyholder is released from the obligation to pay insurance premiums, the insurer shall record it in the insurance certificate.

4. If, after the expiry of the validity of the insurance certificate as indicated therein, a new insurance certificate is not issued and a release from the obligation to pay insurance premiums has not been agreed between the policyholder and the insurer, the policyholder shall pay insurance premiums in the manner provided for in the insurance contract until the expiry of the insurance contract.

5. Upon the expiry of a standard insurance contract, its validity period shall be extended subject to the procedure and conditions established in the insurance contract.

6. The validity period of a standard insurance contract shall not be extended if:

1) there is an outstanding insurance premium due for previous periods under an insurance contract which is in force;

2) the insurer has lost the right to conduct the business of compulsory insurance against civil liability in respect of the use of motor vehicles.

7. Where the validity period of a standard insurance contract is extended, the policyholder must pay the insurer an insurance premium as calculated by the insurer. In the case of failure to pay the insurance premium, the provisions of paragraphs 5-7 of Article 11 of this Law shall apply.

8. A frontier insurance contract shall be concluded for a period not shorter than 15 days and not longer than 90 days.

9. A Green Card shall be issued for a period not shorter than 15 days and not longer than 12 months.

10. During the validity period of a standard insurance contract or upon the expiry of the period of insurance validity, the policyholder shall have the right to request from the insurer who insured him against civil liability a statement relating to the cases of compensation involving the motor vehicle of the policyholder or to the absence of such cases at least during the preceding five years of the contractual relationship or during any other period if the contractual relationship lasted shorter. The insurer must provide this statement to the policyholder free of charge within 15 days of the submission of the request by the policyholder.