how to buy and which insurance companies sell?
From July 2015, 2015, a decree began to operate, according to which drivers have the right to issue an electronic OSAGO. What it is? Until the summer of XNUMX, motorists had two ways to get compulsory insurance:
- directly at the office of the insurance company;
- fill out an application via the Internet, and either receive the finished policy at the nearest office of the UK, or a courier will deliver it to your home.
Do not confuse the last option - filing an application via the Internet - with electronic OSAGO, since you can print out the e-OSAGO policy yourself or even store it on an electronic medium, for example, in your smartphone. If you print out the policy on your own, then the only difference from the insurance received at the office will be in the title - the form will have the inscription: “Electronic Insurance Policy”.
It is worth noting that this is a great chance for fraudsters to fake insurance, but it will not be difficult for a traffic police inspector to check the serial number of e-OSAGO in their database of insured vehicles. To do this, he will only need to find out the VIN code of your car. Instructions for checking e-OSAGO are contained in the official letter of the Main Directorate of Traffic Safety of 3.07.15. Do not forget also that there are serious fines for forging documents and for driving without a mandatory insurance policy.
How to apply for an electronic OSAGO policy?
The procedure itself should not cause any special difficulties. The registration process will take from several minutes to half an hour:
- go to the website of the insurance company that supports this service;
- log in to your personal account or register if you have not previously taken out insurance in this insurance company;
- you will see an online calculator for calculating the cost, enter the necessary information into it: region of residence, engine size of your vehicle, driving experience and age, data about other drivers allowed to drive your vehicle;
- after the appearance of the approximate cost of the policy, fill in all the fields: registration numbers of the vehicle, series and number of the passport, STS, PTS, number of maintenance and diagnostic card;
- the system checks all this data with the RSA database - this can take up to half an hour, although it usually takes no more than a few minutes;
- based on your bonus-malus coefficient, the final price for the OSAGO insurance policy is formed;
- pay for the service in any of the available ways - usually you receive a receipt that can be paid through the Internet banking system;
- specify the e-mail address where the text file with e-OSAGO will be sent;
- print out the policy and take it with you in the car (although this is not a prerequisite, it can also be stored as a file on any mobile device).
It is possible to issue OSAGO for a period of three months to one year, e-OSAGO has the only difference from the policy issued at the office of the Insurance Company - the name "Electronic Insurance Policy". It will have the necessary seals and signatures, the driver also needs to leave his autograph on the copy. The series and insurance number are automatically entered into the general database of insured vehicles.
Automotive portal vodi.su warns: only those motorists who have previously taken out insurance in the usual way and information about their insurance period, bonus-malus coefficient, registration numbers is already available in the PCA databases can use this service.
If you have recently received a license and are applying for OSAGO for the first time, then you will have to go to the nearest office of the insurance company and apply for insurance there. Well, you can already renew it via the Internet.
The cost of e-OSAGO will be the same as for an ordinary policy. You may have to pay a commission for the services of banks to transfer funds to the settlement account of the insurance company.
Documents for registration of electronic OSAGO
Before you start ordering an electronic version of compulsory insurance, make sure that you have all the necessary documents with you:
- personal passport of the person in whose name the vehicle is registered;
- driver's licenses of all those people who will be included in the OSAGO policy and will receive the right to drive this car legally;
- registration documents for cars - PTS, STS;
- technical inspection certificate and a valid diagnostic card.
It is clear that you will not need the documents themselves, but only their serial numbers, since you will need to enter them in the indicated fields. Please note that without a diagnostic card you will not be able to issue an electronic policy.
With some insurance companies, you will first need to fill out an electronic application, after approval of which you can start entering data into registration forms.
All information you enter is checked against databases. If you do not make any mistakes during the filling process, then the following will be sent to the mail you specified within a few minutes:
- the OSAGO policy itself in the file version;
- memo from the insurance company;
- insurance contract;
- contact details of the insurance company;
- links to government websites where you can check the legitimacy and validity of this agreement.
As you can see, this is a quick and convenient way to apply for insurance. You will not need to stand in queues both at the UK itself and at bank cash desks to pay for services. According to the letter, which was sent by the Central Bank of Russia to all insurance companies and banks, the process of issuing an e-OSAGO cannot exceed 30 minutes. That is, the UK is obliged to ensure the smooth operation of their sites.
In the event that the process is delayed not through your fault or your provider, but because the site hangs, you have the right to file a complaint with the PCA and the insurer will be liable for non-compliance with the provisions of the law "On the Organization of Insurance Business". And this entails serious consequences, up to the suspension of the license. If any technical work is carried out on the site, the insurer is obliged to notify customers about them XNUMX hours in advance.
Which insurance companies support e-OSAGO?
The number of ICs offering this service is constantly increasing. If you don't know if your UK offers this option, you can call the toll-free line and get the information you need.
According to statistics, at the end of August 2015, only a little more than 10 thousand vehicle owners had issued e-OSAGO. At the end of September 2016, this number exceeded 300 thousand, which is an obvious sign of the popularity of buying OSAGO online.
From January 2017, XNUMX, any insurance company will be required to provide the possibility of issuing OSAGO via the Internet.
The largest and most popular insurance companies in Russia have long set up the functionality of their Internet resources for issuing OSAGO online:
- Rosgosstrakh;
- Ingosstrakh;
- RESO-Garantia;
- EUROINS;
- Ergo-Rus;
- Uralsib;
- Renaissance;
- VSK;
- Hoska;
- Tinkoff-Insurance;
- SC MOSCOVIA;
- Zetta Insurance, etc.
It is also known that more than 30 insurance companies have ordered the development of the necessary functionality and the receipt of electronic policies. Thus, from the next 2017, it will be possible to issue an e-Policy on the website of any insurance company. According to the vodi.su portal, this will be one of the conditions for renewing the license for the provision of insurance services.
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