Electronic MTPL policy - how to properly issue and where it is profitable to buy electronic MTPL insurance online: TOP-8 insurance companies + 5 advantages of electronic MTPL

Good afternoon, dear readers of the financial magazine "site"! Today we will talk about the electronic OSAGO policy: how to correctly issue it online and where to buy electronic OSAGO insurance on favorable terms.

From this article you will learn:

• What is electronic OSAGO insurance and what are its distinctive features, advantages and disadvantages;
• How to properly issue e-OSAGO;
• How not to fall into the hands of scammers when buying e-insurance online.

In it, the reader will also find answers to the most popular questions related to online insurance.

This service is of interest to all owners and drivers of vehicles. Simplicity and ease of design can attract the attention of even the biggest skeptics of the implementation of automated systems.

How to issue an electronic OSAGO policy profitably, quickly, just read right now!

We will tell in this issue about what an electronic MTPL is and what it is for, how to buy insurance online and where to issue an electronic MTPL policy.

All citizens of the Russian Federation who have vehicles are required to have an MTPL policy. Driving a car without compulsory insurance is subject to a fine in the amount from 500 to 800 rubles (check the relevance of the amount of the fine additionally). The policy must always be kept next to the license and documents for the vehicle.

Important! Even during a short trip, unforeseen circumstances may occur, the CTP policy will protect the driver from serious problems.

Motor third party liability insurance implies protection of property interests of car owners from risk causing harm to the health, life and property of third parties when using the vehicle. The OSAGO policy is valid on the territory of the Russian Federation.

For example: The owner of a Zhiguli car drove into a Mercedes car. The owner of an expensive car should not worry about the lack of funds from the perpetrator of the accident. The repair of the car will be reimbursed by the CMTPL insurance of the owner of the Zhiguli.

Insurance companies that are entitled to carry out compulsory vehicle insurance must be licensed to do so. The insurance is issued or owner or driver auto. Since 2017 all insurance companies are required to provide electronic policies at the request of customers.

You can read the full information about OSAGO insurance in the article "How to calculate the cost and where to buy and what is it".

Since April 2017 new rules for the payment of indemnities by insurance companies are coming into effect. Specific conditions have been established for the provision of monetary compensation or payment for the repair of the damaged vehicle.

Cash compensation is paid only in case of complete destruction of the car, in the case when the amount of compensation more than 400 thousand rubles, the death of the victim or the receipt of a disability of the first or second group.

Repairs can only be carried out in companies recommended by the insurance company.

The law establishes a minimum warranty period for repair work - 6 months, the repair period is set at 1 month. The insurance company is responsible for the quality of the repair and the timing of its completion.

For two years now, car owners have been given the opportunity to purchase an insurance policy via the Internet.

At the same time, there are two ways to issue an OSAGO policy:

• Standard- written out on a standard form, sent by mail. The paper policy can be bought online. We wrote about a separate issue.
• Electronic- e-OSAGO, it is sent to the customer's e-mail.

The pole number is registered in the electronic databases of the Ministry of Internal Affairs and in the database of the Russian Union of Auto Insurers. The insurance company must be an officially registered member of the PCA. This reduces the likelihood of counterfeiting and fraud.

We also wrote about car insurance in a separate article at the link.

The development of electronic document management makes the electronic OSAGO policy in demand not only in large cities of Russia, but also in distant provinces. If earlier car owners in small settlements preferred an e-policy on standard forms, now you can more often see a policy issued via the Internet.

Experts have made a forecast that in a few years, electronic policies will completely replace standard forms.

Advantages of (+) electronic policies

Consider the positive aspects of issuing e-policies:

• No need to waste time visiting the insurance company, standing in lines, you can get insurance at home or at work;
• The safety of the document is ensured, it cannot be "forgotten at home", accidentally thrown away or torn;
• Registration can be done around the clock;
• The presence of electronic calculators allows you to calculate the amount of insurance.

Electronic insurance is certified by an electronic signature sent with the Policy.

Good to know: For the distribution of services, many insurance companies provide bonuses and benefits for customers who have issued an electronic policy. In addition, clients save on paying commissions to insurance agents.

Disadvantages of (-) electronic OSAGO policies

In addition to the advantages, there are also negative aspects to the use of electronic poles:

• The client himself enters data about the car and drivers, incorrect information may lead to the impossibility of completing the transaction.
• PCA databases may also contain inaccurate data, which will not allow you to issue an electronic policy.
• The need to check the policy by the traffic police on the databases, which takes time.

Despite the presence of negative aspects, the service of registration of electronic poles remains in demand and promising. This is confirmed by statistical data: for the 1st quarter of 2017, there were twice more e-OSAGO issued than in the same period last year.

2. How to choose a company when buying electronic OSAGO insurance - TOP-8 tips from experts

Since 2017 of the year the sale of an electronic insurance policy for OSAGO is carried out without fail by all accredited insurance companies. They are obliged to ensure the uninterrupted and uninterrupted operation of the official sites. Total technical breaks on sites should not be more than 4 hours per month.

Important! If the site is down, the client is automatically redirected to another insurance company. Responsibility and control over the execution of orders of the Government are entrusted to the Central Bank of the Russian Federation and the RSA.

Companies can accept applications by e-mail and send insurance to customers or install special services for issuing electronic policies.

Scheme for obtaining an electronic OSAGO policy:

• Choosing an insurance company.
• Registration in your personal account.
• The insurance amount is calculated using an online calculator.
• The client transfers the payment amount to the account of the insurance company.
• The policy and accompanying documents will be sent to the email address.

All information goes to the PCA database, where it is checked and changes are made on the purchase of insurance.

We described in more detail about the registration of the policy in the section below.

The main point when deciding to use this service is the choice of an insurance company. You need to find a reliable, solvent company.

So, when choosing an insurer, experts recommend paying attention to the following points.

1) Checking the eligibility of the company (availability of licenses, etc.)

All insurance companies are required to be licensed to carry out their activities. Official organizations are in the register on the official portal of ROSSTRAKHNADZOR. In addition, a copy of the license must be present on the official website of the company.

It is worth choosing a company registered in the Russian Federation. Otherwise, you can be left without a policy and money.

2) Assessment of the financial stability of the company

The higher the financial stability of the company, the more solvent and reliable it is. This means that there will be no problems with the payment of damage.

The main indicators of the company's success are the size of the authorized capital and reserve funds.

For example, with the established minimum threshold of the authorized capital for insurance companies in the amount of 30 million rubles, the authorized capital of ROSGOSSTRAKH is 18.5 billion rubles, SOGAZ 25 billion rubles, INGOSSTRAKH 17.5 billion rubles.

3) Comparison of the company's equity capital, net profit, volume of premiums and payments

These criteria are important indicators of the company's performance. They are located on the public websites of the agencies, and are crucial for compiling a rating.

4) Analysis of payments

The stability of the company depends on the indicator of the level of payments. Information about the number of awards received and the amounts paid is located on the official websites of companies and on the portals of agencies involved in the analysis of organizations.

5) Number of clients

The presence of a large number of clients speaks about the success of the company, about the quality of fulfilling its obligations.

6) Company reliability

To assess the degree of reliability, insurance companies are assigned a "Reliability Rating". It is assigned by rating agencies. Today the most popular agency is Expert RA. The highest level of reliability is considered class A ++, very high A +, high A.

7) Company reviews

The study of reviews helps to determine the choice in terms of customer service, speed of payments, reasons for refusals. It's good when there is an opportunity to hear reviews from real people (acquaintances, friends) who have already encountered insurance companies.

Important analyze both good and negative reviews on thematic forums, their presence and quantity. Even a subjective opinion can help make a choice in favor of a particular company.

8) Brand popularity

The company's success is confirmed by its big name.

Step-by-step instructions: how to quickly issue an electronic OSAGO insurance policy

3. How to issue an electronic MTPL policy online in 7 steps - step by step registration of e-MTPL

Let's consider the procedure for issuing e-OSAGO step by step:

Step 1 . Choosing an insurance company

You need to select a company and go to its official website in the "Issue an electronic CTP policy" section.

Step 2. Login to your personal account

You can enter your personal account only for registered users. In some companies it is possible to go to the "insurance" website through the portal of public services.

Step 3. registration on the website

The registration process is simple: the system offers to fill out a questionnaire, which indicates contact information, a mobile phone number, it is necessary to confirm the identification code. After entering the received confirmation code, the client gets access to the closed section of the platform.

Step 4. Filling in applications

Fill in all forms and applications for registration. The site has online application forms that contain information about the owner of the car, its characteristics, drivers. The client is responsible for the correctness and completeness of the information provided.

To obtain insurance, the following documents are required:

• Insured passport
• The rights of the drivers who will drive the vehicle during the validity of the insurance;
• Vehicle registration certificate;
• Vehicle registration certificate;
• Diagnostic card.
• The old OSAGO pole (if any).

In addition, you need an e-mail, where the package of documents will be sent, and a bank card to pay for insurance.

Any citizen who has reached the age of 18 and has a driver's license has the right to take out insurance.

Step 5. PCA check

The insurance company checks the questionnaire through the PCA. The database contains information about previously issued OSAGO policies, the presence of accidents, and other information that affects the calculation of the coefficient that determines the cost of insurance.

Step 6. Payment for the policy

Verification takes several minutes, after which the client is offered the amount to be paid. Payment is made using a bank card.

All the necessary documents are sent to the policyholder's email address, their duplicate will be available in the personal account on the website of the insurance company.

Step 7. Print policy

The policy is printed, it must be in the vehicle. If desired, it is possible to order a policy on a standard form, it will be sent by mail. Payment for delivery is made at the expense of the policyholder.

Good to know: Each traffic police inspector must have access to the databases of the Ministry of Internal Affairs of the Russian Federation, in order to be able to check the policy, regardless of the way it is issued.

4. Where to buy an electronic OSAGO policy - TOP-8 insurance companies from which you can take out insurance online

To get a quality service, you need to choose a reliable insurer.

1) Rosgosstrakh company

The company has been operating for over 20 years and is the legal successor of the RSFSR GOSSTRAKH. The blocking stake is held by the state. Market share is 26 % .

The company can insure any transport subject to technical inspection. There are no increasing coefficients for the length of service and age of car drivers. The refusal rate for payments is 3.4%.

The company guarantees the availability, convenience and reliability of the services provided.

2) SOGAZ Insurance Group

Has been working in the financial market since 1993. One of the largest Russian insurance companies. Takes a leading position in auto insurance. Market share 4,6 % .

Electronic insurance of OSAGO from SOGAZ provides insurance coverage to the car owner in the event of an accident that occurred through his fault, and guarantees coverage of expenses to third parties. The refusal rate for payments is 6.6%.

The insurance group occupies one of the leading positions in the auto insurance market.

3) Group "Alpha Insurance"

The company has been operating in the financial market for over 20 years, has the highest reliability rating A ++, has more than 250 representative offices in different cities of Russia, and has about 25 million clients.

Ranked 4th among the largest insurers in the Russian Federation, with a market share 5,8 % ... The Alfastrakhovanie company is one of the first to start issuing e-OSAGO. The reliability and stability of the company guarantees the registration of electronic insurance quickly and efficiently.

An electronic CTP policy can be bought around the clock. The refusal rate for payments is 2.2%.

4) Ingosstrakh

The company has been operating in the financial market for over 60 years. A ++ rating. Market share 10,7 % .

It is engaged in various types of insurance, has a high percentage of payments. The team consists of professionals who are able to provide timely assistance and advice.

When applying for e-Casco, accompanying insurance programs are offered.

The refusal rate for payments is 3.8%.

5) JSC "Tinkoff Insurance"

A young and very promising company that is successfully developing and occupies one of the leading positions in the insurance market.

Keeps a course on the introduction of automated registration of CASCO, provides a policy by e-mail or sends it to your home by registered mail at the request of the client. Provides the opportunity to issue without the participation of intermediaries.

6) "RESO-Garantia"

Has been working in the financial market for over 15 years. The main activity is car insurance, therefore there is a guarantee of settlement of insurance claims quickly and efficiently. He considers e-CASCO a priority, does not allow program failures, it is possible to get a policy simply and quickly. Market share 13,4 % ... The refusal rate for payments is 1.8%.

The company has more than 850 offices and representative offices, which makes its services available and in demand.

7) "Insurance house" VSK "

25 years of work experience guarantees quality service. The company provides both services for houses and movable property (transport) insurance. The company became the laureate of the “Company of the Year” National Prize 2 times. Market share 8,9% .

The company is characterized by high quality and reliability of the services provided. Round-the-clock consulting. The refusal rate for payments is 2.1%.

8) "MAX"

It has been operating since 1992. The obligations assumed are strictly fulfilled, full financial responsibility, a guarantee of an individual approach to each client. Serves over 30 million individuals.

Occupies 2,5 % the insurance market has a low percentage of refusals for payments - 5.7%.

Be careful when applying for electronic insurance for OSAGO - tips on how not to run into scammers

5. How not to be fooled when registering electronic OSAGO insurance - TOP-5 useful tips

In connection with the increase in policy prices, fraudsters have become more active, wanting to make money on deceiving policyholders. Scammers and scammers offer a policy at a reduced cost.

Important to remember! The calculation coefficients are set by federal structures. Insurance companies only determine the base rate.

Experts suggest following the following tips to avoid being caught by scammers:

Council number 1. You shouldn't buy a policy at a reduced cost

The main criterion for choosing an insurance company is its reliability and stability. Large companies can provide discounts and bonuses to their clients. Their value is no more than 10% of the insurance amount. Therefore, when you offer to buy insurance at a price that is 2 times less than the minimum, it becomes clear that this is a simple "scam".

Council number 2. Evaluate the reputation of the insurance company

The insurer can be assessed by its prevalence in the territory of the Russian Federation. Reputable companies with a number of offices and representative offices throughout Russia, do not engage in fraudulent activities... Here, the probability of falling into the hands of scammers is small.

The stability of the work of the insurance group, the percentage of refusals to pay insurance claims are taken into account.

Council number 3. Check the sent package of documents

Documents, when making an electronic policy, come to the policyholder's e-mail. It is necessary to check the availability of all the necessary documents sent during the registration of e-OSAGO.

Important! The absence of at least one of the documents can lead to the nullity of the transaction and a fine for driving without compulsory insurance.

The set of documents must contain:

• Policy with a receipt for payment.
• Electronic signature.
• Reminder of the insured and the rules of insurance for OSAGO.
• The link where you can check the authenticity of the insurance.
• Representative offices of the insurance company in the region where the transport is located.

You can check the authenticity of the insurance by going to the official website of the PCA by entering the number of the e-policy of the MTPL in the search. The policy status will be checked automatically.

If he is acting, there is nothing to worry about, otherwise - following the saying “ miser pays twice», You will have to re-issue the policy, only in a reliable company.

Council number 4. Execute e-OSAGO only on the official websites of the companies

Since 2017 any accredited insurance company must have a working official website with the ability to issue an electronic OSAGO. The contact information should include telephone numbers for consultation. If the site has a questionable interface, irrelevant information is provided, the phones do not answer, it is better to opt for another insurer.

To be sure of the right choice, you can use third-party helper services. Such platforms have been created, among other things, to facilitate the search for insurers for clients applying for e-CMTPL.

The policyholder is provided with the following options:

• Calculate insurance.
• Choose the best deals.
• Receive individual offers in your personal account.
• Get an electronic policy, while saving up to 20% of its cost.

The services of such sites are usually free. To access the information, you must register. After specifying the type of insurance, the client gets the opportunity to calculate the cost of e-OSAGO in several companies at once.

Attention! In connection with the demand for the service, there were sites - clones, which on the interface duplicate the official sites of insurance companies. In order not to run into scammers, you can call the hotline of the insurance company.

Checking the site's address security will also confirm the existence of the insurer. Resources without the prefix " https: //"Are considered weakly secure, and you should not enter personal data on them, since theft is likely.

Council number 5. Make a test call to the insurance company

You can check the authenticity of the electronic OSAGO by calling the contact phone numbers presented on the company's website. Having told the manager the number of the policy, ask him to check its presence in the register.

If a representative of the insurance company confirms the existence of the policy, then everything is in order.

6. Differences between an electronic policy (e-OSAGO) and a paper one

In terms of eligibility, both types of policy have the same legal force... The appearance of the poles is also identical, the difference lies in the absence of protective signs on the electronic pole, they are simply not needed. The insured's data are entered in a unified register located in the RSA and IMTS of the Ministry of Internal Affairs of the Russian Federation. They are on the official websites of these organizations, and where each traffic police officer can check any car owner for insurance.

The advantage of issuing an electronic policy is that scammers easier and faster to fake paper version of insurance, since electronic is more difficult to counterfeit.

7. Verification of electronic insurance policies of MTPL by traffic police officers

The traffic rules specify the requirement for the presence of OSAGO insurance for a possible presentation to the traffic police officer. Due to the possibility of issuing an electronic policy, such need dropped .

Through the RSA or the Ministry of Internal Affairs database, a law enforcement representative checks the availability of insurance by the policy number or by the individual identification number (VIN) of the vehicle.

Helpful advice: To avoid misunderstandings, it is better to print an electronic policy and attach it to the documents on the car. This is especially true for areas far from the center, where traffic police officers trust the paper media more.

In the absence of the Internet, a law enforcement representative can call the nearest traffic police station in order to check the availability of insurance by the policy number or by the VIN of the car.

After the complete development of the electronic insurance system, the need to have a paper document with you will disappear by itself.

8. 5 advantages of issuing an E-OSAGO policy via the Internet

Electronic insurance is beneficial for both parties to the transaction. For insurers, there is no need to maintain a large staff of employees, train them, rent office space, and so on.

Advantage 1. Saving money

Registration of e-OSAGO takes place without intermediaries who need to pay an additional commission for the transaction. Many large insurance companies provide customers with additional discounts and bonuses when working with them via the Internet.

Advantage 2. Service availability and speed

There is a significant saving in time. To obtain a policy, you do not need to go to the company, stand in line, listen to various additional information from insurance agents.

For standard insurance, you will need to allocate from 2-3 hours ... Issuing an electronic policy takes 15-20 minutes... To obtain insurance for an electronic policy, it is enough to have a computer and Internet access. The policy will be sent by e-mail immediately after payment.

Important! The Bank of the Russian Federation strictly controls compliance by insurers with the requirement for uninterrupted sales of e-OSAGO.

Penalties are applied to violating companies, so policyholders are trying to ensure the uninterrupted work of issuing electronic policies.

Advantage 3. The ability to choose a profitable option

With the help of the Internet, the policyholder gets the opportunity to choose a profitable service. To determine the optimal tariff plan, it is enough to compare the base tariffs in several insurance companies.

Advantage 4. Ease of use

An electronic policy cannot be lost or forgotten at home, it will not lose its strength because it is torn or wet. The policyholder always has the opportunity to print a new document (if desired).

Traffic police officers, in general, do not need paper media to check the availability of insurance.

Advantage 5. Convenient payment

Electronic insurance is paid for using a card, electronic wallet and other payment methods via the Internet.

9. Elimination of errors in the registration of electronic OSAGO

Unfortunately, no one is immune to mistakes. According to feedback from customers who have already taken out electronic insurance, they happen quite often.

The most common are data inconsistencies between those available in the register of the Ministry of Internal Affairs and the RSA and those provided by policyholders in the questionnaire:

• Inconsistency between OB and STS numbers... This happens quite often, you can try to rearrange them.
• Error in the date of obtaining rights... It is necessary to set the date of receipt, and not renewal of the driver's license.
• Incorrect spelling of the car brand.
• Incorrect determination of the Bonus-Malus coefficient (BKM) by the system Is a discount for accident-free driving. The data can be taken from the previous insurance, it is not difficult to correct this point by contacting the insurer.

Insurance companies warn that if there are discrepancies, it is necessary to send scans of documents to the company and the insurer will check all the data and make the necessary changes on its own.

Often, due to system failures, you can see the following errors:

1. "Failed to get the calculation for the provided data";
2. "Error of exchange with PCA";
3. "Registration is not available in your region";
4. "Unknown error".

To eliminate them, you can try to go to the site in the morning, when the system is not so loaded.

Good to know: If, when registering e-OSAGO, the policyholder indicated incorrect data, which led to a decrease in the cost of the policy, it is necessary to urgently contact the insurance company to clarify the data.

Otherwise, the Insurer has the right to recover from the policyholder the entire amount of insurance compensation paid to the victim in the event of an accident. If there are no payments, the difference between the amount paid and the amount payable will be collected.

10. Nuances that should be taken into account when registering e-OSAGO

Consider some additional nuances that should be considered when buying an electronic OSAGO policy via the Internet:

Good to know: By the end of 2017, it is planned to develop programs that allow tracking uninsured vehicles using video cameras and automatically sending a fine to the mail.

11. Frequently Asked Questions (FAQ)

Due to the fact that the e-CMTPL service is new, policyholders have a lot of questions related to the design, conditions and use of electronic poles. Here are the answers to the most common ones:

Question 1. What does an electronic policy look like? (Photo, required data)

After registration and payment, the Policyholder receives the policy by e-mail in pdf format.

This is what an electronic OSAGO insurance policy looks like - photo

Its appearance is practically indistinguishable from its paper counterpart. It is green, only there are no anti-counterfeiting micro-patterns on it.

The policy contains the following information:

1. Name.
2. Series XXX (because electronic) policy number.
3. Insurance term.
4. The period of using the vehicle covered by the insurance.
5. The insured
6. Vehicle owner.
7. Characteristics of the car: brand, VIN, state. sign.
8. The list of persons admitted to driving with the indication of the driver's license number.
9. The amount of the insurance premium.
10. The name of the Insured is indicated in special marks
11. Date of conclusion of the contract.
12. Policyholder (signed by electronic signature).
13. Insurer's stamp.

Sample e-OSAGO: an example of a photo of what an electronic OSAGO policy looks like

It can be printed on both color and black-and-white printers, it does not matter for its identification.

Question 2. What should I do if an “unexpected error” occurs at the time of payment?

In case of such an error, you can try to enable SMS-informing on the bank card of the insured. This may be incorrect handling of payment errors, or their transmission in the wrong format to the service by the payment gateway.

You can try to pay with another card.

Question 3. What to do if the driver's experience is indicated incorrectly?

To correct this error will help to indicate not the real experience, but the date of issue of rights. The system checks the year, day and month are irrelevant.

Question 4. No confirmation received from centralized PCA systems, what should I do?

If there is a difference between the data provided by the policyholder and those in the PCA system, an error appears: "It did not pass the check in the AIS PCA".

To correct the data you need:

1. Check the provided data. In some insurance companies, the data that did not pass the check is highlighted in color, in some it is not, so you need to carefully study all the information provided on your own.
2. Check the conformity of the data of the PTS and the Certificate of registration of the vehicle. When filling out the questionnaire, it is better to take the information from the previous insurance, since they have already entered the PCA database.
3. To correct the error, contact the technical support service of the insurance company.

12. Conclusion + video on the topic

Despite the fact that the introduction of e-OSAGO is determined at the legislative level, there are many problems that arise during the design, associated with the unpreparedness of sites, the presence of errors in the PCA system.

Registration of e-OSAGO insurance is a new direction in the development of auto insurance, this service is already gaining popularity. It is already clear that the future lies in modern auto insurance methods.

In conclusion, we suggest watching a video about electronic OSAGO via the Internet:

All motorists who use the old way of registration should try to issue an electronic policy in order to feel all the benefits of using it.

Questions to readers

Have you bought an e-CTP policy via the Internet? Did you manage to figure it out and get insurance the first time?

Dear readers of the site "RichPro.ru", if you have any questions about purchasing electronic CTP policies or comments on the topic of publication, then leave them in the comments below.