Is it necessary to print out an electronic MTPL policy for traffic police officers?

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.

Why is the electronic OSAGO policy more expensive?

With the introduction of new electronic policies, their cost in some regions has become more expensive. This is not related specifically to the innovation of the electronic OSAGO policy.

In each specific case, it is necessary to understand the reasons for the rise in price. At the moment, almost all car owners have the opportunity to issue an electronic version of the policy.

Moreover, this document has the same legal force as a paper policy. But many drivers think that electronic policies will now cost more.

Most often, the cost of paper and electronic policies is equal, since it is calculated using the same coefficients and tariffs. When purchasing insurance online, the calculation is performed using one federal driver database.

When comparing prices, many drivers simply forget to take into account that the total cost of insurance has almost doubled.

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 check the form

Since there is a lot of fraud in the financial sector, vehicle owners, after drawing up a contract, ask themselves: where can they check the received OSAGO form with a stamp?

It is important to consider that experienced experts advise checking the authenticity no earlier than 3 days from the date of registration. If you used electronic insurance services, the policy number will be instantly registered on the portal.

To obtain information, you need to visit the official RSA portal. It is worth noting that the site operates 24 hours a day, even on holidays and weekends. To receive information, you do not need to register or provide personal information.

1. First of all, you need to go to the RSA portal and select the section “Information for policyholders on the status of MTPL policy forms and the date of conclusion of the contract.” This section is located in the “MTPL” tab (Information for policyholders and victims).

2. Next, you need to indicate the number of the policy received and the series. It will take you a few minutes to enter this information.

Based on the results of the request, a detailed report will appear, which will include:

• status: registered or clean is with the insurer;
• name of the company under which it is registered;
• validity period (if issued);
• date of registration.

If, as a result of the request, the specified information is not available, then the document is fake or has not yet been registered on the unified portal. As for the second option, it can only be checked in person at the office.

We suggest you read: Check your car for insurance coverage

3. To check, you can use the service of trusted brokers, such as banks.ru. To obtain information, you must visit the official website of the specified broker and use the search for information that is available in the “Insurance” section.

Data verification on the portal is also free and does not require registration or entering personal data.

To check the completed document, you should contact the insurance company, having in hand a complete package of documents (passport and insurance). It is important to understand that only the policyholder or another person will be able to obtain information if they have a notarized power of attorney.

In addition to your passport and insurance policy, you must fill out an application in which you ask to provide a detailed report on the issued form. The request will require you to indicate:

• name of the insurance company and name of the director;
• personal data and contact details;
• number of the insurance received: series and number.

It is worth noting that it is imperative to indicate the time frame within which you are asking for a response. As a rule, a period of no more than 3 days is indicated. Employees of companies such as VSK, SOGAZ and Ingosstrakh provide a detailed report immediately on the day of application, which is very convenient.

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

Possible problems when using an electronic OSAGO policy

Only if the MTPL is not included in the register, a fine is possible, but in all other situations, the authenticity of the MTPL can be checked by any traffic police officer using special tablets, smartphones, or by radio from the dispatcher (about how an ordinary person can distinguish an original from a fake , we talked about here).

IMPORTANT: According to traffic rules, the driver cannot drive a vehicle without compulsory motor insurance, and must have an MTPL policy (more about this

MORE DETAILS: Buy compulsory motor liability insurance at AlfaStrakhovanie in Ryazan or apply online

here

), although according to the law it is presented only in case of administrative liability and

Road accident

, but employees can request it for safety reasons, guided specifically by the rules of the road.

In addition, many companies deliberately prevented the introduction of such an opportunity: with online registration, it will not be possible to sell the vehicle owner insurance with a large number of additional services.

Also, checking an electronic MTPL policy by an inspector could take a long time.

Every year the system of electronic insurance policies continues to be fine-tuned. Thus, in 2021, several changes related to compulsory motor liability insurance are being introduced.

• Now any insurer is obliged to issue a policy both in regular and electronic form at the choice of the vehicle owner.
• Electronic insurance can be either renewed or purchased for the first time. In the second case, you will need to send scans of documents when registering.
• It is now possible to obtain personal data from the RSA database.
• Only its future owner should fill out e-OSAGO.

Do I need to print out an electronic MTPL in 2021?

Article updated: January 22, 2021.

Author: Lawyer Sergey Vladimirovich.

From this article you will find out whether traffic police officers have the right to demand a printed MTPL policy from you if you received it via the Internet. You will also learn how to behave and what fines you face.

According to statistics, already this year more than 40 percent of drivers decided to apply for compulsory motor liability insurance via the Internet. This is understandable, because the final cost is cheaper, and you don’t need to waste extra time.

In addition, if you apply for electronic compulsory motor liability insurance, you will not be imposed additional fees and insurance.

But there is one problem that worries drivers - with this type of policy, you will not have any paper documents that will confirm the purchase of insurance.

Although there are exceptions to this rule, over the past few months some insurers have been sending you a stamped insurance form by email that you can print out on a color printer.

This form is very similar to the one given out in offices. There are only two differences, now we will explain what the difference is. In electronic insurance, in paragraph 8, which is called special notes, there is a note that the policy was purchased on the website. Below in the picture you can see what it looks like.

And the second difference is on the second page. At the very top there will be a note stating that the policy is reinforced with an electronic signature and it will be written below. This is a set of a large number of letters and numbers, they are individual for each policy.

It is with the help of such a signature that traffic police officers will be able to find out whether the policy is real.

You are allowed to travel with a printout of such a policy. It will help you quickly check whether you have insurance through a special database of auto insurers. Traffic police officers received these instructions back in 2018. But they still cannot make the necessary changes to the traffic rules.

If you want your documents to be checked quickly, then print out the MTPL policy that was sent to you by email after payment. But remember. that you don't have to do this. If you are given a fine of 800 rubles for not having a policy, you will need to appeal it in court!

The main thing to remember is that you will only have 10 calendar days to file a claim and file a claim. We recommend immediately filing an application with the court to demand the cancellation of the fine. And also write a complaint addressed to the head of the traffic police department.

In general, employees should have been equipped with special tablets and the Internet, with the help of which they could check your documents everywhere.

But such a system does not work everywhere. Especially if you are stopped in some remote region or village. In theory, they can check the authenticity of the insurance over the radio. It will be enough to contact a department where there is an Internet connection, give them the car data and vehicle certificate.

But often this is not done and a protocol is drawn up with a fine of 800 rubles for lack of insurance. By the way, the fine may soon be increased to 2,500 rubles; there is already such a bill.

We think that in 1-2 years the question will not arise whether it is necessary to print the insurance policy or not, because most car owners will arrange insurance on their own via the Internet. But now this problem exists. After all, in addition to the fine itself, you are forced to spend your time on additional verification and filling out the protocol.

What can you use the downloaded policy form for?

You can use the OSAGO form for insurance. In order to receive payment, the victim must submit an application within thirty days from the date of filing the notification of the occurrence, in order to then receive payment of the insurance compensation. You need to submit a copy of your passport; the document was damaged on the day of the accident.

The payment is made by bank transfer; the person responsible for the losses must be compensated for the amount of the losses themselves, but only if it is provided for by the insurance contract itself.

The downloaded MTPL form is used by insurance companies and insurance agents. Who work with various companies. With the help of such a policy, you can perform any registration actions with the traffic police. Also, you can present the traffic police officer as a regular OSAGO form and operate the car.

It is very profitable to use an electronic policy, as it saves a lot of money, which is usually spent on document management. But you need to be very careful and not become a victim of scammers by getting involved with an incorrect tariff calculation or creating a policy with a different number.

We invite you to familiarize yourself with: Unified OSAGO database - the difference in interests of insurers and car owners

Also, such a policy cannot be lost or damaged. The only drawback is the dumping of the insurer at the expense of the commission. You can use the policy in the same way as a regular insurance policy.

Those drivers who drive a vehicle without a compulsory motor liability insurance policy may receive a fine, and traffic police officers may detain such people.

Everyone who owns land vehicles must have an MTPL insurance policy. After all, having such a document will simplify many tasks. Also, having an insurance policy will protect you from problems with traffic police officers.

How to enter data correctly?

If the car owner contacts the insurance company again, then when purchasing an OSAGO policy online, all data can be entered automatically, according to the old contract.

In practice, various services use special programs for printing insurance policies, which work on the basis of special templates - policies, applications, contracts. Programs such as OSAGO Policy 1.0.8. used by insurance companies, insurance agents, the portals already mentioned above, which work with many insurance companies.

It is worth paying attention to what insurers advise in order to avoid problems with compulsory motor liability insurance on the road.

The printed policy should be certified directly by the insurer - this is not a labor-intensive process, but it will help to avoid unnecessary hassle with traffic police officers.

The algorithm for checking policies for authenticity is explained and regulated by a special letter from the Main Directorate for Road Safety of the Russian Federation.

According to this letter, it is necessary: ​​if you are a traffic police officer, enter the database, enter the VIN number of the car and its registration data, enter the policy number and request information. The PCA database is available to everyone - by entering the same data, you can find out all the information about the authenticity of the policy.

You can also order delivery of an MTPL policy on a standard form, with stamps, in the usual form on the websites of insurance companies.

And so, of course, the desire to make the life of motorists comfortable and introduce new rules in the registration of motor vehicle licenses is very encouraging (we wrote about the new rules in registration here), but there are nuances that do not yet allow you to enjoy all the benefits of online shopping. This system is still in the process of being established and improved. By following these recommendations, you can travel without any problems with a printed policy.

Let us remind you that every driver needs to know the rules of the road, and also remember that if you disagree with the actions of a traffic police representative, they can be challenged. It is important to remember that when asking for a policy, even for no apparent reason, the employees of this service put traffic safety in the first place, which means you can make some concessions.

We invite you to read: How to re-register compulsory motor liability insurance for a new car?

When filling out any contract, electronically, or at the company’s office, or with an insurance agent, this procedure must be treated very carefully! Every mistake in titles, names, numbers will lead to unforeseen situations. The result of such negligence will be not only loss of time, but also money, and in the worst case, civil liability may arise.

And so, of course, the desire to make the life of motorists comfortable and introduce new rules in the registration of motor vehicle licenses is very encouraging (we wrote about the new rules in registration here), but there are nuances that do not yet allow you to enjoy all the benefits of online shopping. This system is still in the process of being established and improved. By following these recommendations, you can travel without any problems with a printed policy.

Is a printed policy valid in 2021?

Many drivers, out of habit, continue to print out and carry paper versions of electronic policies with them. This option remains valid. Today, at the request of a traffic police officer, the MTPL policy can be shown on a smartphone or presented in paper format. In both cases, the inspector will be able to check the relevance of the policy using the electronic information database.

The only problem that may arise during the check is the lack of Internet connection in the area where the traffic police mobile post is located. Another possible complication is that not every State Traffic Inspectorate employee is required to familiarize himself with the decisions of the Supreme Court. And some inspectors, especially in the outback, consider internal job descriptions to be superior to court decisions. Therefore, based on the resolution of the Armed Forces of the Russian Federation, the Ministry of Internal Affairs began developing amendments to existing regulations and orders.