How to insure a car through the Internet OSAGO?

How to insure a car under OSAGO via the Internet?

The car has become a way of life for many people. Thanks to it, you can feel independent of public transport schedules. Owning a car is also a huge responsibility. Fortunately, today it is possible to insure your liability with the help of an OSAGO policy. If you become the culprit of a traffic accident, the insurance company will compensate the damage caused by you to third parties.

OSAGO provides the following benefits:

• 500 thousand rubles will be compensated for the treatment of victims during the accident;
• 400 thousand will be paid to repair damaged vehicles;
• if the damage is small, everything can be settled with the help of the Europrotocol in the amount of no more than 50 thousand rubles.

In addition, at the request of the driver, he can either be paid the amount of damage in cash or on a card, or be sent to a service station for repairs. It is also worth recalling that OSAGO is mandatory, we have already talked about the best insurance companies in Russia on Vodi.su more than once, where you can get an insurance policy.

In this article, I would like to dwell in more detail on such an innovation as an electronic OSAGO policy. That is, now you do not even need to leave the house, since all information about your insurance experience is contained in the OSAGO AIS - Automated OSAGO Information System. An electronic policy has all the necessary legal force and many companies today offer such a service. There are also a large number of intermediary sites that are agents of various insurance companies, while the cost of the policy is the same as in the main insurance company. The only thing is that you will have to pay extra for additional services, such as a courier.

Procedure

The online OSAGO service has been introduced since 2015, at first it was available only to individuals. From July 2016, 2017, legal entities also received the opportunity to obtain insurance in this way. At the beginning of XNUMX, you can buy insurance online in a large number of insurance companies:

• Rosgosstrakh;
• RESO-Garantia;
• Tinkoff-Insurance;
• Hoska;
• Parity SK and many others.

In order to find out if your insurer offers such an option, just go to the official website, find the section “Car insurance: OSAGO, CASCO” and see if it is possible to buy a policy online.

We suggest that you familiarize yourself with the algorithm for buying OSAGO on the Rosgosstrakh website.

In the upper left corner we see the "Insurance" section, we select the service of interest to us in it - OSAGO. We get to a page that lists all the benefits of compulsory insurance. Next, we see a calculator where you can calculate the cost.

It depends on the following factors:

• locality;
• engine power;
• driving experience of the owner of the vehicle, whether there were insured events in the past;
• number of drivers allowed to drive (minimum class of allowed drivers).

As a result, the system will show you the approximate cost of the policy. Next, you need to go to the “Buy Online” section, where you need to go through a few simple steps: log in to the site by entering your email address and password. You can also access your personal account through the State Services website. Then enter all the same data as in the calculator.

Of course, you must have all the documents with you:

• personal passport;
• COP (STS);
• PTS;
• a diagnostic card that is valid at the time of registration of insurance;
• VU of the owner and all persons admitted to driving on this vehicle.

After that, you will only have to pay the cost through the Internet banking system, and in response to your e-mail you will receive the policy itself in the form of a file, as well as all accompanying documentation. You just have to print it on the printer.

Please note that there is no need to certify a copy of the electronic policy with a seal, as it is certified by your electronic signature. If you are stopped by the traffic police, it is enough to present this copy, and they will already check its authenticity in their database.

At the time of calculating the cost of the policy, all discounts will be taken into account. So, according to the tariffs, for each year of driving your vehicle without incident, you will receive minus 5 percent of the policy price. It is worth noting that many readers of the Vodi.su autoportal complain, since discounts are not taken into account at all when calculating the price. In this case, you need to look for the local PCA department and find out the reason.

Registration of insurance on the websites of other insurance companies

In principle, the above algorithm is valid for almost all insurers. However, there may be some peculiarities:

• some UK for authorization are asked to enter the home address of residence;
• the electronic signature (it is also your password from your personal account) is confirmed only at the company's office;
• to confirm all transactions, you will receive short SMS with numbers on your phone;
• in some cases, it is required to send scanned documents to Viber, WhatsApp numbers or to the organization's e-mail.

In some cases, it is not possible to issue an electronic policy. Firstly, if you are applying for OSAGO for the first time, you will have to go to any of the ICs, where all your information will be entered into the PCA databases.

Secondly, only vehicle owners have the right to buy insurance online. Or you need to have on hand the passport of the owner of the car. Thirdly, if inconsistencies and false information are found, the system will prompt you to check that all forms are filled out correctly. If the problem persists, you will again have to go to the office of the UK.

There are also many intermediary services, the so-called brokers, who represent the interests of large insurance companies and will offer you the chance to issue OSAGO through their website. Experts do not recommend resorting to the services of such services, since they are not members of the PCA. In fact, such sites are redirected to the official resources of insurance companies, so you have absolutely nothing to lose, since the price is the same everywhere.

According to statistics, from the moment the service appeared in early 2015 until the end of 2016, its popularity has increased exponentially. So, in the fall of 2015, only 10 drivers issued OSAGO online, and in the fall of 2016, this number increased to 200. It is worth saying that in the West and in the USA, the population draws up most of the documents in this way. I am glad that modern technologies that help to significantly save time are gradually coming to Russia.

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