Features of the electronic OSAGO policy
An electronic policy differs from a paper policy primarily in that it exists only in the form of a secure PDF file. It is issued on a special form of the XXX series. The policy contains all the required data - information about the owner, policyholder, drivers, cost of the policy, and so on.
An electronic MTPL policy has the same legal force as a paper one. It can be used to file an insurance claim and be presented to traffic police officers. The procedure for calculating the cost of an electronic policy is the same as for a paper one. It takes into account all the indicators and coefficients prescribed by law.
It is not possible to issue an electronic MTPL when purchasing a new car, since information about it is not yet in the RSA database. Therefore, the first policy for a new car can only be obtained at the insurer’s office.
What does an electronic OSAGO policy look like?
Amendments to the law allowing online insurance came into force in 2015. Then it was drawn up according to the old version of the forms. After the changes proposed by RSA in 2021, the appearance of the e-policy has also changed. We'll tell you what an electronic MTPL policy should look like.
Outwardly, it is no different from ordinary insurance. Unless it can be printed on a black and white printer, and then it will not be pink, but gray.
That is, what an online OSAGO policy looks like on paper depends on the printer. The e-policy also contains an individual document number, a QR code, all information about the policyholder, car, company, and so on.
There are no fundamental differences between the policies of different companies. All insurance companies are guided by Federal Law No. 40.
The only difference is that some companies may add the word “electronic” directly to the name and use some special font to fill out the document. In most cases, this is avoided.
For example, this is what a photo of the Alfa Insurance electronic OSAGO policy looks like.
And here’s what the Tinkoff Insurance electronic MTPL policy looks like.
In most cases, insurers indicate that the insurance was issued online. For example, “Alphastrakhovanie” attributes information in the upper right corner. The Tinkoff Insurance form shows that the contract was concluded online, using a qualified electronic signature used by the insurer.
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There are no watermarks, metallized stripes or other degrees of protection in the e-OSAGO photo. If you print it out, it will look like a photocopy of a familiar document.
But its authenticity is checked not by protective “barriers”, but on the RSA website in a special section. The database is available to everyone: traffic police officers, insurers, and ordinary users.
Indicate the series of the form and the individual number, the system will check it and show whether the document is genuine.
| Important. If you have an electronic MTPL, even if you have not printed it out, the traffic police officer does not have the right to demand the usual paper form. Tell him the form number, he will check the information against the internal database. |
Receiving an electronic policy
To apply for an electronic MTPL policy, use the form on the official website of the insurer. In the application, indicate the details of the vehicle, its owner and drivers who need to be included in the insurance. Select the desired policy options - for example, periods of use.
To apply for insurance online, you will need the same documents as usual:
- Policyholder's passport
- PTS and STS of the car
- Diagnostic card
- Driver's licenses of all persons who need to be included in the policy
If required, attach scanned copies of the required documents to your application.
After reviewing the application, the insurer will study the information provided and calculate the insurance premium. If he has no claims, you can pay the cost of the policy in any convenient way. After payment, the insurance company will send the policy to the email you specified in the application.
How to check for authenticity
We figured out how to use the electronic MTPL policy. Copies of policies on paper have provoked an increase in the number of counterfeits.
Fraudsters use a computer to enter false information and print it out. Since the paper medium is not protected by anything, for example, a signature, seal or hologram, counterfeiters make “fake” papers.
How can you verify their authenticity?
All policy numbers are entered into the electronic database, which is located on the RSA website. You can only check the authenticity using the e-OSAGO number. The verification result is sent by email. You won't be able to find a policy by license number or last name.
What is required to be presented to the traffic police?
After the introduction of electronic insurance policies, a separate system for verifying the authenticity of documents appeared. Traffic police officers are given work tablets connected to RSA databases, where policy data is entered. Using a tablet, the inspector can check the policy against the database - all you need to know is its number, the name of the insurer and the car number.
To present an electronic policy, download it to your smartphone or tablet. Install a PDF viewer on your device if you have not already done so. If the traffic police inspector asks you to show your policy, you will need to open the required file on your device. After this, the inspector will be able to check the document using the RSA database.
However, not all traffic police officers have the equipment to check electronic policies - this is especially true in remote regions. In addition, many inspectors still do not trust electronic documents. For such cases, you will need to print an electronic policy. You will be able to present it in situations in which electronic insurance cannot be used.
Documents for purchasing an electronic MTPL policy
To purchase an electronic MTPL policy, the car owner will need:
- passport of the policyholder (the one who will conclude the policy);
- passport of the car owner (if it is different from the policyholder);
- documents for the car: registration certificate (CTC) and PTS;
- driver's licenses of all drivers who will be included in the policy;
- diagnostic card confirming passing the technical inspection.
There is no need to present original documents to the insurance company. It is enough to enter the information from these documents into the application form on the insurance company’s website.
Therefore, if some original documents are not at hand, a photocopy or scan of this document is quite suitable. For more information about documents for E-OSAGO, read the article - What documents are needed for electronic OSAGO.
At the final stage of issuing an electronic MTPL policy on the insurance company’s website, the client pays for the policy with a bank card.
After payment he should receive the following by email:
- OSAGO electronic policy,
- an electronic copy of the payment receipt,
- policyholder's memo,
- list of representative offices of the insurance company in the regions of the Russian Federation,
- link to check the legitimacy of the electronic policy.
The electronic policy is confirmation that the liability is insured. It is recommended to print the electronic policy on paper and put it in the car. In the future, this will significantly simplify the process of passing an inspection by a traffic police inspector.
What does the printed version of e-OSAGO look like? It is very similar to a unified insurance form, the data is located on both sides.
A distinctive feature is that the electronic MTPL in clause 8 on the first page contains information about the method of purchasing it, namely on which website it was purchased.
On the reverse side you can see a long electronic key (signature), which consists of a large set of numbers and letters.
Do I need to certify or sign an electronic policy?
The electronic MTPL policy is certified by the electronic signature of the insurance company. This is already enough to confirm its authenticity. There is no need to put any additional marks on it.
There is also no need to certify the printout of the electronic document from the insurance company. But you can do this to further indicate the authenticity of the document. The printout must be easy to read and the policy number must be on it - this is enough to check it.
What is E-OSAGO, what does it look like and how to present it to the traffic police and traffic police
The MTPL policy is issued not only at the office of the insurance company, but also at home in your free time. Simplification of the procedure for obtaining compulsory car insurance has entailed many questions from motorists.
What does an electronic MTPL policy look like? Is it necessary to additionally obtain the original document? How can I prove to the inspector that the insurance is real? We will consider and answer these and other questions below.
- What is an electronic OSAGO policy?
- What does electronic MTPL look like?
- Policy cap
- Timeframes
- Owner and policyholder
- Cost and important notes
- Date and signature
- Differences between e-OSAGO and paper
- Advantages of electronic insurance
- How to use and show to traffic police inspectors
- Do you need a paper policy?
- How to check for authenticity
- Where is the best place to apply?
- Conclusion
What problems may arise
The most common problem is the distrust of traffic police officers in electronic documents. The inspector may refuse to accept the policy or its printout, and issue a fine for the absence of a document. In this case, you must ask him to check the policy against the database. Lack of access to it is not a driver's problem.
You may also have doubts about the authenticity of the policy you have taken out. You can check it yourself using the RSA database. To do this, you will need to indicate the document number, name of the policyholder or VIN of the car. If the system reports that there is no policy in the database, this may mean that you purchased a fake document.
Information in the PCA is not updated immediately, but 3-5 days after purchasing the policy. Please take this into account both when purchasing the document and when presenting it to the inspector.
How does an electronic OSAGO policy differ from a regular one?
No, it's no different.
The cost of the MTPL policy is calculated according to uniform tariffs and coefficients approved by law. And it is not tied to the form in which the policy is issued - paper or electronic.
Moreover, the bonus-malus coefficient (BMC), which takes into account driving history and provides a discount for being accident-free, is also calculated in the same way. Both when issuing a paper policy at the insurer’s office, and when independently issuing an electronic policy on the company’s website. Since in both cases the values of the KBM are determined on the basis of a single AIS OSAGO database.
Useful link - How to check your KBM according to OSAGO.
No, they don't.
The main difference between paper and electronic auto insurance policies is the procedure for issuing them. The electronic method makes it possible to conclude a contract without visiting the insurer’s office, while the paper method requires visiting the company’s office.
Externally, these two policy options are identical, but the paper one is printed on company letterhead, which is protected from counterfeiting. The cost of car insurance in the office or online should not be different.
If you have an Internet connection, it is better and easier to issue an electronic policy, which eliminates unnecessary imposition of services from the insurer. If you do not have the opportunity to visit the site, or there is no Internet connection, then you can issue a paper version of the policy.
The electronic version of the policy is equal in its legal force to the paper version and is the same official document with legal force. They also differ in the method of registration. Information about the fact of car insurance, the insured person and the insurance company itself are stored in a single database of electronic documents.
The stamps listed above are mandatory on the MTPL policy. In addition, additional stamps are placed if the insurance contract is concluded by a legal entity. In this case, the policyholder's signature is also certified by the stamp of the company that purchases the policy.
In addition, some insurers place additional information stamps. They contain telephone numbers where you can contact an agent or emergency commissioner. Such stamps are not necessarily present on policies, so insurance will work without them.
FAQ
Do I need an electronic signature to issue e-OSAGO?
An electronic signature for registration of compulsory motor liability insurance may be required only if the policyholder is a legal entity. In other cases, alternative methods of confirming the application are sufficient - for example, an SMS code. The requirements for an electronic signature are set by the insurer.
Is the cost of an electronic policy different from a paper one?
Since the electronic MTPL policy is calculated in the same way as the paper one, the cost of its registration will be the same. It cannot be higher or lower, since the law does not establish the dependence of the price of insurance on the method of registration.
What to do if the traffic police officer still fines you for not having a policy?
Fines for the absence of compulsory motor liability insurance in the presence of an electronic policy or its printout are illegal. You have every right to appeal them through the court.
Differences between e-OSAGO and paper
The paper medium has a living signature. If it is drawn up at the office of the insurance company, the policyholder signs the contract and the policy. After payment, the policyholder receives the documents. With the paper version, the procedure is extremely simple and clear. What is an electronic insurance policy and how does it differ from the original?
E-OSAGO is identical in form to paper records. It has the same chapters and sections. The only difference is the presence of an electronic signature of the document, as well as a note in the upper right corner about the conclusion of the agreement in electronic format.
Sources
- pravoved.ru: Stamp on the electronic OSAGO policy
- autonews.ru: Fines for electronic compulsory motor liability insurance: driving without a printout is dangerous
Recommended for you
- How to check the authenticity of an OSAGO insurance policy
- Is it possible to obtain an MTPL policy in advance?
- How to determine the MTPL insurance class
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What does an electronic OSAGO policy look like?
Place of registration of the vehicle owner:
- Moscow
- Saint Petersburg
- Barnaul
- Vladivostok
- Volgograd
- Voronezh
- Ekaterinburg
- Izhevsk
- Irkutsk
- Kazan
- Krasnodar
- Krasnoyarsk
- Lipetsk
- Nizhny Novgorod
- Novosibirsk
- Omsk
- Orenburg
- Permian
- Rostov-on-Don
- Samara
- Saratov
- Stavropol
- Tolyatti
- Tyumen
- Ufa
- Khabarovsk
- Chelyabinsk
- Yaroslavl
- A
- Adygea
- Altai
- Altai region
- Amur region
- Arkhangelsk region
- Astrakhan region
- B
- Bashkortostan
- Belgorod region
- Bryansk region
- Buryatia
- IN
- Vladimir region
- Volgograd region
- Vologda region
- Voronezh region
- D
- Dagestan
- E
- Jewish Autonomous Region
- Z
- Transbaikal region
- AND
- Ivanovo region
- Ingushetia
- Irkutsk region
- TO
- Kabardino-Balkaria
- Kaliningrad region
- Kalmykia
- Kaluga region
- Kamchatka Krai
- Karachay-Cherkessia
- Karelia
- Kemerovo region.
- Kirov region
- Komi
- Kostroma region
- Krasnodar region
- Krasnoyarsk region
- Crimea
- Kurgan region
- Kursk region
- L
- Leningrad region.
- Lipetsk region
- M
- Magadan region
- Mari El
- Mordovia
- Moscow region
- Murmansk region
- N
- Nenets Autonomous Okrug
- Nizhny Novgorod region.
- Novgorod region
- Novosibirsk region
- ABOUT
- Omsk region
- Orenburg region
- Oryol region
- P
- Penza region
- Perm region
- Primorsky Krai
- Pskov region
- R
- Rostov region
- Ryazan region
- WITH
- Samara region
- Saratov region
- Sakha (Yakutia)
- Sakhalin region
- Sverdlovsk region.
- North Ossetia
- Smolensk region
- Stavropol region
- T
- Tambov region
- Tatarstan
- Tver region
- Tomsk region
- Tula region
- Tyva
- Tyumen region
- U
- Udmurtia
- Ulyanovsk region
- X
- Khabarovsk region
- Khakassia
- Khanty-Mansi Autonomous Okrug
- H
- Chelyabinsk region
- Chechen Republic
- Chuvashia
- Chukotka Autonomous Okrug
- I
- Yamalo-Nenets Autonomous Okrug
- Yaroslavl region
The MTPL policy is designed to ensure driver liability by shifting it onto the shoulders of insurance companies. Simply put, you caused damage to other road users through negligence, and your insurer specified in the policy will compensate for it.
After all, even experienced drivers sometimes fall under the “lunar” influence and forget to slow down in time. And what can we say about the newcomers who literally hit the road yesterday?
At the same time, not everyone is willing to trust the capabilities of the World Wide Web. There are still people who do not recognize convenient online stores.
Therefore, many are interested in what an electronic MTPL insurance policy looks like and what protection it has. Another question that worries users is where and how it can be purchased and how the payment amount is calculated.
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.
The cumulative discount accrued to drivers for not causing an accident for a certain period of time is equal to 5% per year, and it must also be stored electronically.
When comparing prices, many drivers simply forget to take into account that the total cost of insurance has almost doubled.
Is a technical inspection required for an electronic policy?
Confirmation of passing the technical inspection, which is a diagnostic card, is included in the list of required documents.
READ MORE: Can OSAGO be re-registered for a new car?
When applying for a policy on the insurer's website, you must enter the following in the application form:
- diagnostic card number,
- the date of its issue,
- expiration date.
Let us remind you that for new cars up to 3 years old, a card is not required. For cars aged from 3 to 7 years, the card is issued for a period of 2 years. For cars older than 7 years, a technical inspection and a diagnostic card are required annually.
The entered information on the diagnostic card is automatically checked in the EAISTO system, where all information about vehicle inspections in the Russian Federation is stored.
What to do when the electronic MTPL policy is not accepted by a traffic police officer
In some cases, when applying for an electronic MTPL policy, car owners may encounter a system message on the insurer’s website stating that their “data did not pass the PCA check.”
The fact is that all information - about the policyholder, about the owner of the car, about the drivers and the car itself - is necessarily checked against the RSA database (AIS OSAGO). Successful verification is a mandatory requirement for purchasing an electronic MTPL policy.
1. Failure in the exchange of data from the insurance company’s website and the RCA database. In this case, it is recommended to try again to apply for an MTPL policy a little later.
2. Incorrect information provided. The car owner made a mistake when entering information about himself, the drivers and the car. Here you need to once again carefully check the information entered on the insurance company’s website with the documents.
If both previous methods were unsuccessful and the electronic policy could not be purchased, it is recommended to contact the office of the insurance company.
Or try to issue an electronic MTPL policy on the website of another company.
When does the electronic OSAGO policy arrive after payment?
To pay for an electronic policy, you must go to a secure page in your personal account. In this case, you can make payments either by electronic money or by bank card, depending on the company’s conditions.
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Before entering card information, you should make sure that this page is secure and there is a lock icon in the address bar. You should not enter card payment details on sites that are not protected by a security protocol.
After paying the required amount of money, which is indicated on the registration page, the MTPL policy will be sent to your email in electronic form, in Pdf format. This policy will also be saved in your personal account, on the insurance company’s page.
If necessary, this policy can be downloaded from there at any time. The electronic policy must be printed and carried with you in the car.
Such requirements are specified in the traffic rules. Otherwise, for driving a car without an MTPL policy, you can receive a fine of 500 rubles, and if you did not take out a policy at all, then the fine is 800 rubles.
How the traffic police checks the availability of an electronic MTPL policy
To do this, they need information about the registration plate and the VIN of the car. If it is not possible to find this resource using a network connection, the inspector can find out about the legality of the electronic OSAGO policy by contacting the RSA website.
If previously a car enthusiast presented the inspector with a color copy of the mandatory protection form, now everything is different. The driver will have to show a printed policy in black and white.
