Types of insurance
Through RSA you can view a list of insurance companies that are currently authorized to conduct such activities. If an organization is deprived of a license, information about it will not be reflected in the databases of the specified organization.
The following types of insurance are provided:
- car insurance under the CASCO or OSAGO program;
- taking out an insurance policy for an accident;
- medical policies providing compensation after an accident.
It is worth noting that different types of insurance are provided not only for individuals, but also for organizations. An important point is that you can only insure your vehicle with an organization that has a license. This act is issued by the Bank of Russia. In addition, the company must be a member of the insurers' union.
All insurers must now provide services online.
Basic concept
Electronic “automobile insurance” is a complete analogue of traditional motor vehicle liability insurance, but it is issued via the Internet and does not imply a state insurance form.
This system was first introduced in July 2015 and was of a test nature: it was possible to issue E-MTPL only as an extension and only at an insurance company where a traditional MTPL contract had already been drawn up. In October of the same year, restrictions were lifted from E-OSAGO and it became possible to apply for it from any insurer of the policyholder’s choice. You can read about which insurance companies you can apply for compulsory motor liability insurance online here.
Policy price
Registration is also possible through the State Services website. At the same time, the cost of the policy depends on the discretion of the company management. It is necessary to take into account the recommendations developed by the Bank of the Russian Federation. This act indicates that the value of the policy depends on several indicators.
Including, this is a coefficient of territorial significance. In this case, the cost of the policy will increase depending on where the citizen lives. If this is a large populated area, then the amount is higher compared to when a person lives in a small town or village. It is also worth taking into account a coefficient called bonus malus. This indicates how good or bad the rating is for a particular driver.
ATTENTION !!! When a citizen was not the culprit of the accident during the one-year period, the cost for him will be reduced when purchasing the next certificate. This way you can get a discount of five percent per year. If during the specified time period the person became the culprit of the accident, then the value expression of the insured amount for him will occur to a significant extent.
The next indicator is the coefficient, according to driving experience. The determination is based on the date when a person received his first driver's license. You can get insurance for a new car without license plates only during a personal visit to an insurance company branch. If a citizen has not reached 22 years of age and does not have three years of driving experience, he will need to pay a higher price, he will have to pay more than those who have such experience.
ATTENTION !!! The coefficient reflecting the power of the vehicle should also be taken into account. When contacting Alfastrakhovanie or another company, you need to take into account that the more powerful the car, the higher the price of insurance will be. The price under the agreement will also be affected by whether a limited policy is issued or not. Accordingly, the amount increases when several people can drive a car or when their circle is not limited.
If you need to use a car with a trailer, you should understand that this entails an increase in cost. On average, the increase occurs about a quarter of the amount. In SOGAZ, the step-by-step instructions stipulate that the cost also takes into account the seasonality of the machine’s use. This is influenced by how many months of the year the vehicle is used.
It is worth pointing out that the listed indicators should be applied simultaneously when forming a policy.
What is E-OSAGO?
E-OSAGO is an analogue of the policy that is prepared on a standard form and issued to motorists at the offices of insurance companies.
There are some differences between these documents. For example:
- the electronic policy is signed with a digital signature;
- E-OSAGO is not produced on a special form, although it has all the necessary details (what does an electronic policy look like?);
- a regular policy is issued in person, and an electronic one is sent to the car owner’s mailbox on the Internet.
Meanwhile, E-OSAGO is a document that indicates the following:
- An insurance contract has been concluded between the vehicle owner and the insurer.
- The driver's motor liability is insured. That is, if a motorist causes an accident, the damage caused by him will be paid to the victim by the insurer. The driver will not have to worry or rack his brains to solve the problem of finding money to repair the victim’s vehicle, compensation for damage to the life and health of persons injured in an accident.
Thus, an electronic OSAGO policy is a document equal in strength to a more familiar paper policy.
Checking and restoring the malus bonus
It is important to consider that all drivers should periodically check the coefficients that are used to calculate the price of the policy. Insurance organizations are entrusted with the responsibility to transmit to the database of all insurers information regarding when and under what circumstances a citizen was involved in an accident. Based on such information, the malus bonus is formed. This indicator is taken into account when calculating the cost of the agreement.
RESO step-by-step instructions provide for situations when this coefficient increases.
Including:
- the citizen sent information to the insurance company that his driver’s license or passport has changed outside the established time limits;
- when there is a fake policy;
- mistakes were made by insurance company employees when entering data into the database.
Situations are allowed when the value in question is restored. To do this, you will need to provide the insurer with information about the amended acts. In particular, this applies to the act by which the identity of the driver or his license, policy, issued earlier is verified. If the increase in the applied coefficients occurred as a result of participation in an accident, then the reduction will only occur over time.
However, in this situation it is necessary that during the annual period the citizen does not become the culprit of the accident. Every citizen has the opportunity to check the coefficients that are taken into account when calculating the cost of the policy.
What is required to issue an e-policy
To issue an electronic MTPL policy, you need to provide the following details:
- policyholder's identity cards;
- identification documents of the owner of the car (if it is not the same person);
- vehicle passport or certificate of ownership;
- driver's licenses of everyone who will be included in the insurance;
- diagnostic card (if less than 3 years have passed since the date of manufacture of the car, this information will not be required).
The specified details are automatically checked against electronic registers. If error information appears, you must re-enter the information or refresh the page.
Registration on the Internet
Insurance companies, including VSK, step-by-step instructions are reflected on the official portal of the organization. In this case, it is important to take into account that only those citizens whose information is reflected in the RSA data can use this opportunity. This suggests that these persons previously took out policies. It is necessary to contact the insurer's offices.
Including:
- the document is processed for the first time;
- a new car was purchased, information about which is not registered in the database;
- purchasing a used vehicle when the information is registered with the previous owner.
In addition, this applies to situations where issuing a policy in electronic form is not allowed when there have been changes in information about the owner. This includes data from the act through which identity or rights are verified. If the database does not contain information on a valid diagnostic card, then it will also not be possible to issue a report using the specified method.
The same rules apply to cases where the car is registered in another country or the documentation is completed with errors, including in the citizen’s data.
ATTENTION !!! When these situations do not apply to a specific person, this indicates that he has the opportunity to take advantage of electronic policy registration. This can be done at any time, regardless of weekends and holidays. You need to prepare a certain package of documentation.
Including:
- citizen's identity document;
- driver's license;
- paper indicating that the vehicle has been registered;
- car passport.
Registration on the official website of the insurer is a mandatory requirement. Without this action, you will not be able to use all the features of the portal. In this case, all actions are carried out remotely. There is no need to visit the insurer's office in advance. On the main page you need to open the tab related to purchasing a policy.
The procedure for creating an account in the system requires entering a mobile phone number. In addition, you will need to provide an email address. An alternative is to use a personal account created on the State Services portal. However, registration is also required.
ATTENTION !!! The process involves entering mobile number data as well as email. Using such data, you can log into your personal account and issue a policy. In addition, you need to enter data into your personal account. A form will open in front of the user where you need to enter certain information.
It is necessary to indicate at what address the person is registered. It is reflected in the document by which the identity is verified. When entering information into the form, you can immediately check how reliable it is. To do this, you need to click on the button that allows checking in PCA. When the information matches, a green tick is displayed on the screen.
What is electronic compulsory motor liability insurance?
Electronic MTPL is a document confirming the insurance procedure. It, along with the usual (paper) one, is entered into the registers of the Russian Union of Auto Insurers (RUA). The document can be output to any electronic medium.
The validity of the e-policy is determined by the presence of its details in the insurance register.
This document can be stored in electronic format (on digital media) or printed. Any option is valid and can be presented to police officers. The structure of the e-policy is identical to the paper format of the document.
What are the restrictions for issuing an electronic MTPL policy?
An electronic policy can be purchased anywhere in Russia. This procedure is available not only in the capital, but also in large cities and regions. Regional boundaries are gradually disappearing, because the process of issuing an MTPL policy is taking place online. A huge number of insurance companies are available to clients. So, you can choose.
Nevertheless, the legislation stipulates the only condition limiting the choice: the insurer must be present in the region where the policy is issued .
This is a kind of concern of deputies for the policyholder. He will not have to travel far to receive compensation when an insured event occurs.
Where to download the MTPL policy
You can download the paid OSAGO policy in your Personal Account.
To print an MTPL policy using the number issued by employees, you must first download the insurance certificate number. You can find this number in your Personal Account.
The policy is printed on a color or black and white printer. It is more convenient to print in PDF format.
