OSAGO form: sample 2021

Mandatory civil liability of car owners is formalized through an insurance contract; this is a civil law transaction. First of all, the owner of the vehicle must fill out an application for concluding an insurance contract.

It is signed by two parties (the policyholder and the insurer). It is on the basis of the application that the insurance policy and receipt for payment are filled out. It’s best to show all this using the example of one of the largest insurance companies] Rosgosstrakh[/anchor].

Sample form of MTPL insurance policy

It has changed in 2021. This happened because there were many counterfeit policies on the auto insurance market, and the old form did not have the proper level of protection against counterfeiting. After the decision to replace it, the number of fakes decreased noticeably. Let's try to figure out how old and new auto insurance policies differ.

The old MTPL policy can be downloaded as an example from the website of any insurance company. However, it will be useful for any car owner to know the difference between the new and old forms. It should be noted here that the difference is noticeable not only in the design of the document, but also in the required fields.

Filling out the MTPL policy EEE series

Each car owner has the opportunity to fill out the form on a computer.
The main advantage of this method is the ability to correct erroneous information. Having corrected the existing inaccuracies, it is enough to print it on a printer. On this page you can download a form template. Here you just need to enter all the necessary information in the appropriate lines. It can be assumed that over time, registration of compulsory motor liability insurance will be completely transferred to the electronic version. This will prevent the issuance of fictitious documents and forgery of forms. A special program is used to enter data. In this case, all information about the policy is stored in the general database of the insurance company.

You must be extremely careful when filling out the form. No corrections are allowed here, there should be no mistakes. In addition, it is necessary to pay special attention to the correctness of entering information. Inaccuracies that appear to be minor at first glance may prevent you from receiving compensation. There should be no difficulty in filling out the form; everything is very clear here. You just need to enter the necessary information in the appropriate lines:

insurance period, not only the date, but also the time is indicated here;
if the first paragraph is filled out by an individual, his full name must be indicated. If a legal entity is involved in issuing the policy, the full name of the company and full name of the owner are written down;
There is a point here where you need to indicate whether the vehicle has a trailer. If it is absent, you also need to check the appropriate box;
below you will see columns intended to indicate the make and model of the machine, its identification and registration numbers;
below indicate the type of document, its series and number;
indicate the purpose for which the vehicle will be used;
in the third paragraph, you must check the box indicating the presence of restrictions or their absence;
if there are no restrictions on the number of drivers who have permission to drive a car, then everything is clear here. If there are such restrictions, it is necessary to list below the full names of persons who have the right to drive the vehicle. The series and numbers of their driver’s licenses are also entered here;
the seventh paragraph is intended to indicate the total cost of the policy;
if there is a need to make any additional notes, you can use the eighth column. If there is nothing to enter here, the space remains empty;
Below indicate the date of the application and sign;
The completed form must be certified by an insurance company employee with several seals.

What data does a modern policy include?

The front side contains the following fields:

Header – full name of the document, including series and form number. There is also a barcode and QR code here.
Insurance period – the start and end date of the insurance contract;
Information about the policyholder – the company with which the contract was concluded;
Information about the car owner - information about the person with whom the contract was concluded;
Car data – model, make, year of manufacture, engine power, etc.;
The list of persons admitted to management may be limited or unlimited;
Price;
Base rate and applied odds;
Special notes (optional);
Signatures of the parties to the agreement.

On the reverse side of the KKK series, fields have appeared for information about additional insurance options. The form itself has 12 color shades, ranging from yellow to lilac. To protect against counterfeiting, watermarks and a metallized strip are used. By scanning the QR code, you can quickly obtain information about the insurer that issued the document.

How to fill out the application correctly?

Filling out requires care and accuracy of data.
The completed application is submitted to the insurance company. The specialist calculates the cost of the policy.
There is no time limit for consideration of the application. Basically, a citizen receives a pole on the day of application.
Currently, you can purchase an electronic MTPL policy by filling out an application on the website of the selected insurance company.

Where can I get the form?

There are many organizations that sell forms for MTPL policies. They already have all the stamps on them. These firms also have relevant documents from various insurance companies. There you can also get free advice on filling out the MTPL policy form and many other useful services.

The basis of all forms is the original “Gosznak”, which has complete protection against counterfeiting. They are distinguished by the following features:

Special paper with high density;
A metal strip on one side of the form;
Availability of special microfibers;
All necessary watermarks have been applied;
The number and series on the document are embossed in raised font and entered into a single database.

Note! Such companies promise to formalize the document; its data must be entered into the register. They also offer round-the-clock consultations and assistance with any questions that arise.

Contents of the document

The content of the agreement determines all the important points and obligations assumed. The decisive role among the terms of the contract belongs to the essential conditions, without the agreement of which the contract is considered not concluded.

When concluding a contract, certain conditions must be met:

About certain property or other property interest that is the object of insurance;
About the nature of the event in case of occurrence of which insurance is carried out (insured event);
About the amount of the insured amount;
About the duration of the contract.

Information about the policyholder

Enter the full name of the organization, separate division, full name. individual entrepreneur or individual.

Vehicle data

The car model is indicated.
Vehicle identification number;
Vehicle registration number;
PTS.
If the vehicle is equipped with a trailer, this is noted.

Driver fields

Drivers who may be allowed to use the vehicle are indicated here. The policyholder has the right to exclude this possibility altogether and be the only one allowed to drive this car.

Features of insurance premium calculation

As a result of purchasing MTPL policies, vehicle owners have the opportunity to receive compensation for damage caused to their car as a result of:

Road traffic accident (RTA),
Actions of attackers
Natural Disasters,
Natural disasters, etc.

Data influencing the calculation of the insurance premium:

Type and purpose of the vehicle;
Place of registration of the owner of the vehicle or place of registration of the vehicle if the policyholder is a legal entity;
Number of persons allowed to drive a vehicle;
Age and experience of drivers. This article applies only if the policyholder is an individual;
Vehicle power (only for vehicles of category “B”);
Period of use of the vehicle (for vehicles owned and insured by individuals, for legal entities only for vehicles of “seasonal” use);
Insurance period;
Violations under previous insurance;
Unprofitability under previous contracts.

additional information

If the application form differs from the form established by law, the policyholder has the right to refuse insurance.
You can write a complaint against the insurance company to the Bank of Russia and RSA.
An MTPL policy must be issued before the vehicle is registered with the State Traffic Safety Inspectorate, but no later than ten days after the right to own it arises.
The obligation to insure civil liability applies to owners of all* vehicles used on the territory of the Russian Federation.

Sample of an electronic policy

A blank electronic policy can also be downloaded from the insurance company’s website in PDF format. In terms of external design, the document does not differ from its paper counterpart. There is also a barcode and a QR code, and all the fields listed above are available. To download a policy with a stamp and not purchase a fake, you need to remember one important point. Such forms always have the XXX series - the number is assigned by a computer, which guarantees uniqueness. There are no other types of protection for e-OSAGO: the duplicate is printed on a regular A4 sheet, in color or black and white.

If you still have questions, send a request and we will advise you

Application under the Europrotocol to an insurance company

A European protocol is drawn up if two vehicles were involved in an accident. The Europrotocol form is issued free of charge when purchasing an MTPL policy. If the participants in an accident have a compulsory motor liability insurance policy, then they can draw up a Europrotocol without any problems, if there is no damage to their health. In the event of an accident, you can file a claim for damages.

The Europrotocol form is drawn up in detail, without errors or blots, and is handwritten legibly. A European accident report is drawn up without the participation of authorized police officers. The completed form will need to be sent to the insurer; according to the European Protocol, the amount cannot exceed 100 thousand rubles. The policyholder must send or deliver a notification of the accident to the insurer no later than five working days. The victim of an accident sends his copy of the notice along with an application for compensation for losses to the insurance company. This condition must be observed since untimely sending of documents to the insurer entails negative consequences, namely filing a claim in court.

An application under the Euro Protocol is drawn up similarly to an application for the recovery of damages in the usual manner. There are nuances when the insurance company does not reimburse payments, these are:

Incorrectly completed documents under the Europrotocol
Disputes between the reports of the perpetrator and the victim (for example, the reports contain completely different information for the participants in the accident,

Where can I get insurance without additional charges?

Regarding the question of where to insure a vehicle under compulsory motor liability insurance without additional insurance. services, then first of all you should focus on the rating of insurance organizations, because the larger and more reputable the company, the less likely it is that the insurance rules will be violated in this organization.

On the Internet you can look at the ratings of insurance organizations ; there are several classes of reliability, starting from A++ (very high level of reliability) and ending with E (for companies whose license has been revoked). Accordingly, when deciding where it is better to purchase an auto liability policy, it is best to focus your choice on companies with a high reliability class.

Consumer reviews about one or another insurance company can also help you make your choice. Today, it is also possible to draw up an insurance contract online on the websites of insurance companies. The entire list of insurance organizations that provide this service can be found on the official website of the RSA. In the case of car insurance via the Internet, the client will be spared the delays associated with the imposition of additional services, since the insurance company simply does not have the opportunity to influence the client with this insurance option.

Example of a completed application

To draw up an application for concluding an MTPL agreement, you need to collect a set of documents - without them it will not be possible to fill out all the necessary fields. You will need:

Policyholder's passport;
Documents for the car;
Documents of all persons admitted to management;

If you have a previously concluded policy, all the information can be found on the form - often insurance agents use it to fill out an application - it’s much simpler and more convenient. So that you can finally understand how to write an application for an MTPL policy, look at the example of filling it out.

Sample of a completed application for compulsory motor liability insurance

What are additional insurances?

Additional insurance – services that provide protection for drivers in the event of an accident. By law, insurance companies have the right to offer them, but force citizens to use them. Thus, imposing additional services for compulsory motor liability insurance is a violation of the law.

Cunning insurers pretend that they do not know the amendments to the legislation and in every possible way try to encourage clients, in addition to the compulsory motor liability insurance policy, to purchase additional insurance. Below we will present the most common insurances that companies are trying to include in the MTPL policy without additional services.

Additional motor vehicle liability insurance (DSAGO)

Experienced drivers with extensive driving experience can safely refuse it. If you are a beginner and doubt your abilities, then DSAGO will help you receive additional payments in the event of an insured event, which can make it easier for you to repair your car.

CASCO

This type of insurance protection allows you to protect yourself from risks that arise while using the vehicle. Covered events include things like car theft or damage. This option, although quite profitable, costs a lot of money, and therefore is especially often offered for registration with a basic contract.

Diagnostic card

A document that is mandatory for issuing a policy. Companies refuse to issue compulsory motor liability insurance without the vehicle undergoing technical inspection through its partner station. Motive - the diagnostic card does not inspire confidence in the insurance specialist or clause 1.7 of the insurance rules.

But every driver has the right to receive it in those services that he chooses himself.

Life and health insurance

This type of insurance was imposed on drivers so often that in 2014 a law was passed prohibiting insurance companies from requiring drivers to take out this option. Special fines have been introduced for such violations, which we will discuss below. The minimum amount is 50,000 rubles, and in some cases the insurer’s license may even be revoked.

Comprehensive package personal insurance

Another type of insurance, the imposition of which may entail serious sanctions against the insurance company.

Note! In practice, drivers are most often concerned that they are trying to force life insurance under compulsory motor liability insurance on them. In 2nd place is DSAGO, which is unlikely to be needed by an experienced driver, but may be useful to a novice driver or the owner of an expensive car.

These and other additional insurances are optional and can only be purchased at the client’s request.