What is electronic MTPL insurance and how to get it

Vehicle owners can obtain an electronic MTPL policy from many insurance companies. The procedure for obtaining such insurance is simple; the main thing is to choose a reliable insurer, register on their official website, and then carefully fill out the required application.

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However, it is important for every person to know how to use this document correctly, what should be presented to the inspector, and also what methods will help protect themselves from fraudsters.

What is an electronic MTPL policy?

Electronic MTPL (compulsory motor third party liability insurance) is a policy issued via the Internet and is an analogue of a paper document.

This insurance has a number of features:

• has the same legal force as a policy received in person at the office of the insurance company;
• To receive it, you need the same package of documents as for the paper version;
• simple application requirements;
• insurance is sent to your email immediately after successful transfer of funds to the insurer’s account.

Important: the only difference from the paper version is that the electronic document is not printed on a special form with a state sign.

Note: OSAGO is successfully issued in many insurance companies in the country, starting from July 1, 2015.

What does an electronic policy look like?

In appearance, electronic insurance is practically no different from the policy obtained at the company’s office.

This document displays:

• series and number;
• the name of the insurance company where the document was drawn up;
• validity;
• last name, first name and patronymic of the insured person;

The full name of the person who owns the vehicle is shown.

• Car model;
• its technical characteristics, in particular, identification number, state registration mark;
• vehicle passport;

The series and number indicated in the vehicle passport are registered.

• Full name of citizens who have the right to drive this car;
• cost and so on.

Important: depending on the insurer, the MTPL messages sent may be in color or black and white.

What is e-OSAGO?

The electronic OSAGO policy, or, as journalists immediately dubbed it e-OSAGO, is a record in the RSA electronic database containing the following information about the car:

• brand, model
• year of issue
• engine power
• state number
• series, number and date of issue of the registration certificate or PTS
• number and date of issue of the diagnostic card
• information about drivers (not required when applying for unlimited compulsory motor liability insurance)

All this data will be required to issue an electronic MTPL policy. In addition to this information, the RSA database contains information about the involvement of this vehicle in an accident and about the BMC of drivers allowed to drive.

How to use electronic MTPL?

Electronic MTPL is used in the same way as a document received at the office of an insurance company on paper.

The citizen is required to:

• Immediately print out the insurance as soon as it arrives at the email address specified during registration.
• Place MTPL in your car or store it with your driver’s license.

The main thing is to always have the policy with you while driving.

If third parties are included in the insurance, they must also be given a printed copy.

• At the request of the traffic police inspector, present the electronic compulsory motor liability insurance.

Note: if the document is not presented, then traffic police officers may issue a fine of 500 rubles.

What should I show to the traffic police inspector?

Every vehicle owner must have a compulsory motor liability insurance policy with him while driving. If stopped by a traffic police inspector, the citizen will need to present a printed document.

Important: electronic MTPL has the same legal force, so there is no need to receive a document on the insurance company’s letterhead.

Subsequently, the inspector checks the presented insurance for authenticity. To do this, they make a request through the PCA database.

If a citizen does not have insurance with him, for example, the document was forgotten at home, then the driver is allowed to say:

• series and policy number;
• name of the insurer;
• validity period of the document.

Advice: it is better not to forget your compulsory motor liability insurance at home in order to avoid negative consequences, in particular, receiving a fine for driving without insurance.

What should I show to the traffic police?

Previously, the process of checking by a traffic police officer whether a citizen had an MTPL policy was extremely simple and understandable. The driver presented the original document, the inspector checked the information from it with the data of the car and the driver.

With the introduction of electronic compulsory motor liability insurance, the policy verification process has not become any more complicated, but the verification procedure has changed significantly. A special explanatory letter was sent to all traffic police officers (Letter dated July 3, 2015 No. 13/12-у-4440), in which inspectors received information on how they should check the electronic policy. Starting from this year, the verification process is extremely simple: through a special service in the IMTS network of the Ministry of Internal Affairs of the Russian Federation, or if it is not available through the official website of the RSA, a traffic police officer makes a request to the database about the availability of state insurance. registration plate and VIN of the vehicle.

In the traffic rules, these norms have not yet been updated (although changes have been promised for a long time), in particular, in the current version there is the following clause:

2.1. The driver of a motor vehicle is obliged to:

2.1.1. Carry with you and, upon request, hand over to employees for verification:

insurance policy of compulsory civil liability insurance of the vehicle owner in cases where the obligation to insure one’s civil liability is established by federal law.

Therefore, based on the current legislation, the inspector’s requirement to present the policy will be completely legal, even if the driver has purchased its electronic version. And although for more than a year of operation of e-OSAGO there have been no loud and resonant scandals in this regard, RSA recommends having a printed version of the policy with you to simplify the verification procedure and prevent possible disagreements. This is especially true for remote settlements, where the technical equipment of the traffic police service leaves much to be desired. Obviously, a photocopy of the insurance certificate will not be an official document, but its presence can help save drivers time and simplify communication with inspectors.

How to apply for an electronic version of OSAGO?

To issue such a policy, the vehicle owner is required to:

1. Select an insurance company.

2. Check the name of their official website.

3. Prepare the necessary documents.

The citizen will need:

• personal passport;
• passports of persons who are authorized to drive this vehicle;
• diagnostic card.

4. Go to the official website of the selected insurer.

5. Complete registration.

To do this you should:

• enter your last name, first name and patronymic;
• passport series and number;
• registration address;
• date of birth;
• phone number;

Most insurers send a code to your mobile number, which you will need to enter in a special field to confirm your registration.

• exact email address.

It is better to double-check the entered email address several times, since insurance will be sent to it after payment has been transferred.

6. Subsequently, you need to find the section regarding vehicles.

7. Click on the “MTPL” subsection.

Most companies have tips on their official websites on how to fill out an application for a document. It is recommended that you familiarize yourself with them to avoid various errors when filling out.

8. Select the “Issue policy” command.

Depending on the insurer, such commands may have different names, for example, “Issue a new policy.”

9. Enter all data in the application.

Here you need to indicate:

• personal information about the owner of the vehicle, in particular, his full name, passport details, etc.;
• personal data about all persons entitled to drive this vehicle;
• information about the vehicle: registration plate, engine power, year of manufacture, etc.

All information about the car should be taken only from the vehicle title and diagnostic card.

10. After filling out the application, you must click on the “Calculate the cost of OSAGO” command. A person will be required to wait 2–5 minutes while the program processes all entered data.

At the end of the check, the cost of compulsory motor liability insurance will be displayed on the computer monitor.

11. Pay for insurance. The last step is the transfer of funds for the policy. They will need to be translated using the link provided by the insurance company.

After transferring the money, the insurer will immediately send you an MTPL by email, which you will need to print.

Important: if, after transferring funds, the policy did not arrive by email, you should check whether it was indicated correctly when registering on the site, and later contact the insurance company employees.

How to choose an insurance company?

The chosen insurance company must be reliable, otherwise the person risks being left without compulsory motor liability insurance or unnecessary difficulties will arise in the event of insured events.

In this matter, experts advise:

• Carefully study customer reviews of various insurers, especially pay attention to the procedure for paying out funds in the event of an insured event.

If there are a lot of negative reviews, then it is advised to opt for another insurance company.

• Make sure that the insurer has the appropriate license giving it the right to issue electronic compulsory motor liability insurance.
• Pay attention to how many years the company has been operating on the market.

Important: if a citizen has entered into an agreement with a certain insurance company for a long time and no disagreements have arisen, then it is better to remain their clients and not change the insurer.

Price

Each vehicle owner can calculate the cost of the policy. To do this, you should use the calculator, which is available on the official websites of insurers.

Here you need to enter the following information:

• the class to which the car belongs;
• the power of its engine;
• how many people have the right to drive a vehicle and their driving experience;
• the period for which compulsory motor liability insurance is issued;
• region and so on.

Tip: For a complete cost calculation, you must enter information in each field.

If a person has difficulties filling out data or needs to clarify any points regarding the price of the policy, you can always call the insurance company employees.

Which is cheaper: electronic or paper OSAGO

The cost of MTPL issued online and in the office does not differ. The price for compulsory motor liability insurance in each region is fixed for both types of registration. The websites of insurance companies have information about tariffs.

But in one region, different insurers may have different prices for insurance. The state grants the right to a so-called tariff corridor, within which the company can slightly increase or decrease the price of compulsory motor liability insurance.

But often in unprofitable regions, insurance agents impose additional insurance services. Therefore, for residents of such regions, buying compulsory motor insurance online is much more profitable. Such regions include the Volga region and the south of Russia.

How to check authenticity?

Any citizen who has received an electronic MTPL can check its authenticity.

To do this, go to the PCA website and enter in the fields:

• series of existing insurance;
• number;
• current date.

If the document is genuine, then after a few minutes all the information about the document will be displayed on the monitor. In the case when a person purchased a fake policy, this site will display that the document could not be found based on the entered data.

Let's celebrate! It is also possible to check the document through the insurance company. You need to call their office and ask an employee to check the policy using the named series and number. The insurance agent will answer in 1 - 2 minutes whether such insurance is available in their database.

How to protect yourself from fraud?

Every vehicle owner should know how to protect themselves from scammers. Insurance experts advise:

1. Purchase a policy only from reliable insurance companies.
2. Never register on dubious sites.
3. If any problems constantly arise when filling out an application, then it is better to finish filling out the document and turn off the computer.
4. Do not chase dubious offers to purchase insurance at large discounts.
5. Carefully read all reviews about each insurance company.

Important: if a person purchased a fake policy, it is worth immediately notifying the PCA about this so that the fraudulent site is blocked, and also write a statement to law enforcement agencies.

How to protect yourself from fraud

If you think that fake MTPL policies are issued only on stolen or counterfeit forms, don’t be fooled. Fraudsters have long mastered the Internet.

The most typical deception scheme when issuing an electronic MTPL policy is to lure a potential client to a fake insurance company website. Typically, such a site looks like a “twin” of the real one and has a similar Internet address. And the clone site behaves quite plausibly. But the money paid by a trusting client goes directly into the wallets of clever businessmen, and the policy data, naturally, cannot be sent to the RSA database.

The most unpleasant thing is if the owner of the fake finds out about it only during a roadside check. And to prove that the policy has been paid is then almost impossible - there is no trace of the scammers (the site does not exist or is abandoned, accounts are closed, money is withdrawn).

The most reliable way to protect yourself is to go to the website of the Russian Union of Auto Insurers (RUA). There, in the “Electronic OSAGO Policy” section, there is a list of all insurance companies that can issue such documents. This is where you can check whether you are exactly going to transfer money to the selected insurance company by carefully checking the address in the browser line.

An indirect reason to suspect something is wrong should be the unusually low cost of the policy. And if insurance has already been taken out, you can check its details on the same RSA website. By the way, almost all companies send a link to the verification page in a letter along with an electronic copy of the policy.

The ability to issue an electronic MTPL policy is an undoubted convenience for car owners. This service is becoming increasingly popular, helping you save time and avoid dealing with overly pushy insurance agents.

Pros and cons of electronic MTPL

An electronic policy has not only many positive aspects, but also disadvantages that must be taken into account when applying for insurance.

The main advantages are:

1. Quickly receive your policy by email.
2. Possibility to print it at any time.
3. You can submit an application for a document 24 hours a day.
4. The application is simple to complete.
5. It takes 3 to 5 minutes to check all the specified data.
6. There is no need to personally visit the insurer's office.
7. Experienced insurance agents will always answer any questions by phone.
8. You can use a special calculator and calculate the cost of insurance.

The disadvantages of electronic policies include:

• The possibility of going to a scam site and losing the transferred funds, as well as being left with a fake document.
• Lack of complete information regarding all additional services.
• Difficulties in the event of traffic accidents.

Important: in case of a small accident, the owners of both cars will not be able to get by with drawing up a European protocol. Only a traffic police officer has the right to check the authenticity of the provided policy.

Any vehicle owner can receive an electronic MTPL. The main thing is to choose the right insurance company, enter all the necessary information in the application, and then transfer the specified funds.

Subsequently, the printed insurance should be used in the same way as a regular policy issued at the offices of the insurance company.

Blitz tips:

• be sure to call the insurance company if you encounter any difficulties or questions when applying for a policy;
• carefully enter all personal information when filling out the application;
• never transfer funds if the link provided for payment is not trustworthy;
• After receiving electronic insurance, immediately check its authenticity.

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Disadvantages of such a policy

Despite the large number of positive aspects, electronic compulsory motor liability insurance also has a number of negative features:

• registration is possible only for those citizens whose information is already contained in the RSA database (that is, online ordering of a policy is not available for new drivers);
• errors made when entering a large amount of information about a vehicle and its owner will cost users dearly (such policies are considered invalid, but money for unsuccessful registration is not returned, due to the fact that these errors are interpreted by insurance companies as the provision of false information);
• checking electronic compulsory motor liability insurance takes much more time from traffic police inspectors than the paper version (after all, they need to find out the car’s details and then check them with the database);
• a large number of technical difficulties that may arise when applying for a policy on the Internet (over time, the system should be debugged, but at the moment various failures, database errors and other problems on the insurers’ website are a common sight).