How to obtain MTPL insurance through the State Services website?

Advantages and disadvantages of registration via the Internet

Before insuring a car online through the State Services portal, you need to evaluate the positive and negative aspects of remotely issuing an MTPL policy. Among the advantages are noted:

• the ability to receive services at any time, right from home, saving money on a trip to the office;
• guarantee of the reliability of the insurance company, because login through the personal account of the State Services is possible only on the websites of authorized participants of the RCA;
• selection of only those services that are necessary for the policyholder (no additional insurance products or imposition of programs);
• the ability to pay using a method from the list presented;
• saving time, since you do not need to visit the company’s representative office.

Despite the large number of good points, there are also negative aspects of the online procedure. These include:

• inability to obtain insurance for a car from the dealership (data about it is not available in the RSA database);
• possible errors during the registration process, which will lead to the invalidity of the policy if data is entered incorrectly;
• wasting time entering information if it turns out that there was a failure on the IC website;
• impossibility of applying the Europrotocol at the time of registration of an accident;
• the inability of traffic police officers to check in real time whether the policy is real or fake.

Necessary documents for registration

There is an answer to the question of where it is better to issue an electronic MTPL policy - on the official website of one of the trusted insurance companies. Today, about 60 companies provide similar services. To register e-OSAGO, you will need some data that needs to be copied from personal documents. Namely:

• car owner's passport;
• car insurer's passport;
• certificate of ownership of this vehicle or its passport;
• driving license documents for citizens who will be included in the insurance;
• diagnostic card, which confirms the technical inspection of the vehicle.

Important! When registering e-OSAGO, original documents are not needed; you will only need their copies or scanned images, that is, only the series and number.

Is it possible to obtain a policy through State Services?

Before purchasing car insurance through the State Services portal, you need to clarify whether this service is available. It is not included in the state list and is not available through this site. Despite this, registering in the system will help you obtain a policy. Before you apply for car insurance through State Services, you need to go to the online page of the selected insurance company. The citizen will be asked to log in to his personal State Services account, which will allow him to confirm his identity and get car insurance faster.

Main stages

To carry out MTPL insurance online through State Services, you need to follow the step-by-step instructions:

1. You need to choose an insurer, familiarize yourself with the terms it offers, and go to its website.
2. The system will prompt you to log in through the State Services portal. Then the citizen’s identity will be confirmed.
3. Next you need to fill out an application form. It has a standard template. It contains data about the car, the owner of the vehicle, as well as drivers allowed to drive it.
4. After entering the information, you need to wait. Your information will be checked within 5-10 minutes. The client is provided with a calculated amount that he needs to deposit.
5. You must pay for the electronic policy. This is possible using the methods provided by the insurer.
6. When payment is made, information about the policy is sent to a unified system and database of the traffic police. The policy is activated and sent to the client at the specified e-mail address.

Car insurance is issued not specifically through State Services, but on the electronic resource of the insurance company. But large organizations allow the user to log in to the portal, which simplifies the procedure.

Set of documents

To insure a car through State Services, you need to provide data from the documents. These include:

• civil passport of the person;
• a certificate confirming the registration of the car, or a vehicle passport;
• driver's license of the applicant and other persons who will be specified in the policy.

Who to contact

Car insurance through State Services is provided by various companies. It is important to choose the best option, checking that the organization is reliable.

Important! It is necessary to study the rating of insurance companies that provide services for issuing OSAGO and CASCO policies. Firms have different base rates, which affects the price of insurance.

The list of organizations is presented on the website of the Russian Union of Auto Insurers. The most popular and reliable ones include Alfastrakhovanie, Sogaz, Ingosstrakh, Reso Garantiya, Rosgosstrakh, Soglasie. They provide a guarantee of payments to their policyholders in the event of an emergency.

It is worth paying attention to several criteria:

1. You need to choose organizations whose websites operate stably. If there is a failure when filling out the form, it is better not to continue. With periodic unstable operation, it can be assumed that the company is a fraudster.
2. It's worth studying the rating. It is compiled based on the company's financial statements.
3. Stable insurers have a large number of positive reviews from consumers. It is better to study third-party resources with feedback to exclude the fact of fraud.
4. You need to pay attention to the terms and conditions of insurance. The cost of the policy and the criteria for the applicant may differ.

Entering data into the application

To insure a car through the insurance company website and State Services, you need to enter information in the submitted application form:

• car make and model;
• number of horsepower;
• year of car production;
• vehicle passport details;
• information from the state registration document;
• information from the diagnostic card;
• personal data, driver's license numbers of all drivers allowed to drive a car.

  

Is a digital signature required?

You can often hear information that electronic registration of compulsory motor liability insurance involves the use of a digital signature. But there is no need to use it.

Electronic digital signature is an expensive identification method. It is used in special situations.

It is not required when preparing OSAGO. It is enough to log into your personal account using your login/password. Identity verification is carried out via email.

Procedure for obtaining an insurance policy

Now let’s look at how you can apply for an MTPL policy through the State Services website. Having an account provides this opportunity. The first step is to log in to the portal. The existing login and password are quite suitable for this.

The next stage is choosing an insurance company

On the tab with the service catalog, you need to go to the “Transport and Driving” subsection, then “Electronic Insurance” and select “e-OSAGO”.

It should be noted that if there is no electronic insurance in the window with the catalog of services, it means that the personal information on the personal page has not been completely filled out and the missing data must be entered.

An insurer is selected from the proposed list

Here difficulties may arise due to technical failures on the websites of organizations, which, as a rule, are organized by these companies deliberately in order to force you to contact them personally. At the same time, the insurance company gets the opportunity to sell additional services that could be dispensed with by purchasing a policy online. You need to choose a company with a properly functioning service and proceed directly to purchasing MTPL.

In the proposed window, enter data from the following documents:

• civil passport;
• vehicle documentation;
• driver's license.

After checking the information with the insurer's service, you need to pay for the services. This can also be done online. When the amount is transferred, the information provided will be entered into the RSA register, and you will receive a notification about the activation of the policy by email. It is recommended to carry the purchased MTPL with you in printed form, because in the absence of this document, in accordance with Part 2 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation, penalties may be imposed by road service workers.

Attention! In order to avoid misunderstandings with traffic police representatives, when driving, you must carry printed car insurance with you.

After completing the contract online, it is very important to check the correctness of the data entered in the RSA register, because if there are discrepancies, problems may occur if checked by a representative of the road service.

How long does it take to prepare the policy and when can you pick it up?

The application is processed within a short period of time. Users usually spend up to half an hour on the procedure.

Important! But if the applicant does not have a personal account at State Services, then the waiting time may increase. This is due to the fact that all procedures are carried out using a verified account. It takes up to 15 calendar days to confirm your identity.

An electronic policy is issued immediately after registration. Within 15 minutes, the citizen will receive a completed document by email.

How much does the policy cost?

When visiting the portal, no additional payment is required. There is no state duty. A policy issued via the Internet will cost the same as a regular one.

You can determine the cost of insurance using the calculator on the insurance company website. After entering all the information, the system will reflect the cost.

You can pay for insurance using a payment instrument of any bank or wallet in electronic systems. When the payment goes through, the application is considered approved. The completed policy will be sent along with a memo and a receipt for payment by e-mail.

Possible problems

When registering online, there are some problematic issues:

1. If an insurance policy is purchased for the first time. Owners of new cars face this. They will not be able to obtain insurance online. This is due to the fact that there is no information about the vehicle in the RSA database. In this case, you will need to personally visit the IC office and hand over a complete package of papers.
2. A citizen may not have a personal account on the State Services portal. You will need to register and confirm your identity. This can be done through the MFC, official representatives, or receive a password by mail.
3. There have been problems with the websites of insurance companies. You need to repeat the procedure after some time.

It is not possible to apply for compulsory motor liability insurance directly on the State Services portal. But with the help of a personal account, a citizen confirms his identity on the insurance company’s website.

What options are there for registering OSAGO online?

As already mentioned, the electronic version of compulsory motor liability insurance is no different from the usual one in terms of its effectiveness, only when registering it you do not need to visit the insurance organization, but you can do everything at home yourself using the Internet. Let's consider the order of such a purchase:

• decide on an insurance company and log into its online portal. When choosing a contractor, you need to take into account its pricing policy, reliability and the extent of payments for obligations, having analyzed the ratings of insurers. The difference in prices for the same machine in different organizations can vary by up to 25%, so you first need to calculate the cost of the services offered;
• register on the website and create a personal account. Personal information is indicated, including passport information, email address, etc. If registration is successful, you will receive a password to enter your personal account in the form of an email;
• A computer application form is filled out to obtain auto insurance. To do this, you will need to use data from your passport, driver’s license, document confirming the completion of a technical inspection, or car registration certificate. This statement is practically no different from the usual one when applying for a policy at the insurer’s office. The only difference is that there it is filled out by a representative of the insurance company, but in this case you have to enter the information yourself;
• insurance must be paid. Payment is possible through any bank card by non-cash transfer of funds. After this, a message with the purchased MTPL policy will be received by email;
• a printout of the policy so you can have it with you. Having this document in electronic form will help to avoid many problems, for example, if the electronic database of an inspecting traffic police officer malfunctions. In addition, the Traffic Rules in paragraph 2.1.1 of the second section require the driver of the car to have a compulsory motor liability insurance policy.

When the information is entered, it is reconciled by the insurer with that presented in the electronic PCA database. If any discrepancies are identified, the client will be asked to provide scanned copies of documents confirming the right of the car owner.

If an insured event occurs, the owner of the car may be subject to additional compensation if there are errors in the system. Therefore, it is necessary to carefully check the data entered into the electronic database with the actual data to eliminate possible errors, which could be costly in the future.