It is impossible to renew E-OSAGO

From August 24, 2021 the regulations of the Central Bank of the Russian Federation came into force, according to which a newly purchased civil liability insurance policy comes into force through three days from the moment of its acquisition.

Directive of the Bank of Russia dated February 15, 2021 No. 4723-U “On amendments to the Directive of the Bank of Russia dated November 14, 2021 N 4190-U “On requirements for the use of electronic documents and the procedure for exchanging information in electronic form when implementing compulsory civil liability insurance vehicle owners”, which makes changes to

Directive of the Bank of Russia dated November 14, 2021 N 4190-U “On the requirements for the use of electronic documents and the procedure for exchanging information in electronic form when implementing compulsory civil liability insurance of vehicle owners” (with amendments and additions)

A calculator for calculating and comparing MTPL prices is already available on our website , as well as issuing a policy online with delivery of the contract directly to your email.

The insurance company's computer system clearly records the time of sale of the product , so the motorist should know: we are not talking about 3 days, as many are convinced, but about 72 hours.

Main reasons for innovation

Many insurance companies state the fact that compulsory motor liability insurance is unprofitable, especially in regions (small cities and rural areas).

This is influenced by the following factors:

Low level of policy sales in areas where insurance company offices are poorly represented. Not all companies open their representative offices in areas that are unattractive in terms of the number of clients.
High accident rate on the roads. It is no secret that our local roads are repaired on a residual basis, so their condition leaves much to be desired.
The traffic police rarely fines you for driving without insurance.
Today the fine ranges from 500 to 800 rubles, but this does not stop those who want to drive without insurance.

Companies' losses from compulsory motor liability insurance are increasing due to fraudulent actions on the part of drivers.

Deputy Chairman of the Board of the Bank of Russia V. Chistyukhin believes that one of the moments of abuse by persons behind the wheel is the following scheme:

A driver who does not have an insurance policy causes an accident;
Within 15 - 30 minutes from the moment of the accident, a policy is issued via the Internet in his name;
The insurance company and the traffic police will learn about the fact of the accident within an hour from the moment the policy is opened;
The victim is paid compensation from the company's funds, although logically the person responsible for the accident should pay the money.

Which insurance company can issue E-MTPL for a car?

Any insurance company that has the appropriate license to carry out its activities and also follows the requirements of Federal Law No. 40 “On Compulsory Motor Liability Insurance” offers its clients an electronic procedure for obtaining an insurance policy. The possibility of obtaining electronic insurance can be checked on the Insurance Company website .

The list of companies is quite wide; here is an example of the largest players in the insurance market:

Alpha insurance.
RESO-Garantiya.
Renaissance.
Agreement.
Tinkoff.

This procedure must be carried out without any failures on the part of the company. And yet they happen. You can also apply for and calculate the cost of e-MTPL through this online calculator.

Find out more about which insurance companies issue MTPL policies online and what to do if you don’t find your insurance company on the list in a separate article.

Postponement of entry into force of the E-OSAGO agreement

A delay of 3 days from the date of purchase of the policy to the beginning of its validity period is considered a necessary factor to reduce insurance fraud.

Insurers are confident that this measure will make it possible to reduce losses.
This is a fairly common measure, somewhat similar to the so-called temporary deductible , which is quite widely used by insurers to sell voluntary insurance policies online, and even for some types of policies through all sales channels, including insurance agents.
As practice shows, unscrupulous drivers find ways out of such situations as follows:

An accident occurs;
The second participant disappears from the scene;
The policy is issued electronically;
Information about an accident is received when the policy period has already begun.

There is another option - to issue an MTPL insurance policy through the website of RSA - the Russian Union of Auto Insurers. In this case, it is possible for compulsory motor liability insurance to come into force from the moment of purchase, in agreement with the operator.

The new MTPL rules with a deferred contract date are designed to reduce the risks of fraudulent activities and do not violate the rights of motorists.
Since every motorist knows the approximate expiration dates of his annual MTPL policy, he needs to take care a little in advance (20-30 days before its expiration) and find suitable options for the insurance company and the price.

There is only one reason why you cannot issue an electronic MTPL policy

The online service for issuing a motor vehicle license online via the Internet has existed as a mandatory service for insurance companies for less than a year, and drivers have noted many problems with its operation.

The introduced electronic system was intended, among other things, to save clients of insurance companies from abuse of their powers by insurers, in particular, by imposing additional services on drivers. However, insurers still manipulate car owners, but now remotely, via the Internet.

Essentially, if a person is faced with the impossibility of obtaining a policy, the problem is artificially created by the insurance company.

YOU SIMPLY DON'T WANT TO FOLLOW MTPL BECAUSE YOU ARE AN UNBENEFITABLE CLIENT.

What is a substitute insurer?

This concept implies an organization to which cars that meet certain criteria are assigned. This is due to the fact that the Union of Automobile Insurers has divided among the companies the car owners to whom they can issue a policy. The distinction is made according to the last digits of the vehicle passport.

The distribution is also influenced by the company's popularity in the market. For example, Ingosstrakh and Rosgosstrakh provide much more policies than little-known brands. The “quota” is not affected by the territorial affiliation of the driver and the car. This procedure was created to make it possible to sell policies in hard-to-reach places. The principle remained when registering E-OSAGO.

It is important to know! If, during registration, OSAGO transfers a replacement insurer to the website, and the driver does not want to enter into an agreement with him, the system ends the work session. Previously entered data disappears.

Common document inconsistencies during execution

The long-term practice of using MTPL insurance policies includes many different errors that render the document unusable. If you do not want to spend some time at the traffic police department to clarify the circumstances of the non-compliance of the compulsory motor insurance document with the requirements, we recommend that you familiarize yourself with the list of the most common errors in advance.

Allowing spelling or punctuation errors.
Filling out the form with ink of different colors or shades. That is why it is worth ensuring in advance that the pen with which you fill out the document is full. Even if the insurance agent assures you that no one will make up the difference when changing ink, you should not trust such judgment.
Filling out the clauses of the MTPL policy by two different employees. If there is a noticeable change in the style of writing and handwriting, then this will confuse the traffic police officers.
Crossing out by an employee and failure to document the error in the proper form renders the insurance document unusable.

Important! The driver of the car must ensure that the insurance company employee fills out the OSAGO form, based on the submitted documents. You should also independently check the spelling before signing the document.

There are other possible errors, but in practice they are much less common.

Discussions 4 messages At the moment, drivers have access to both the extension of the current OSAGO contract and the conclusion of a new contract with the Rosgosstrakh company. You fill out all the necessary data, enter your personal account or register in your personal account, receive a final calculation and pay for your order on the website using a bank card (VISA, MasterCard). After filling out all the required information in the online calculator, you will be asked to conclude an insurance contract electronically.

During the registration and payment process, we automatically check your data through the unified federal database of RSA drivers.

After payment, you will receive your electronic MTPL policy by email, which we recommend printing and taking with you. For registration you will need the following documents (or their electronic copies): 1.

So, let’s try to figure this out and find the main ways to solve the problems that car owners most often encounter when taking out insurance via the Internet.

It should be noted that the sale of an electronic policy must be checked in the RSA database.

What is electronic insurance from RGS

The insurer is guaranteed to pay:

no more than 400 thousand rubles for each victim if damage is caused to the car;
no more than 500 thousand rubles for each driver, passenger or pedestrian who will suffer harm to life and health as a result of an accident.

The only difference between an electronic contract and a conventional form is that:

it is purchased online;
The form is immediately registered on the unified RSA portal.
It is enough to print it in black and white;

It turns out that the MTPL policy in Rosgosstrakh, which is issued online, is a standard agreement under which the civil liability of a traffic participant is insured.

The form is immediately registered on the unified RSA portal.
It is enough to print it in black and white;
it is purchased online;

Good day to all.

For example, in the mentioned company, this is a FORTUNA AUTO product, which causes a lot of controversy and discussion, and the cost of which exceeds 2000 Russian dollars.

Reviews of OSAGO in Rosgosstrakh

3 real reviews of Rosgosstrakh for OSAGO, study other people’s opinions about the insurance company. Leave your feedback about your experience of cooperation, we will publish it. I had an accident in the city of Arsenyev, I was right in the accident, I had a company Siberian Crane, I went to my company to submit documents, but alas, it went bankrupt and I had to go to the company of the culprit, a lot of effort and time was spent, but in the company Rosgosstrakh everything went very well quickly, arrived, handed over the documents in 6 days, they came to look at the car and after inspecting the car, the payment came within 13 days, I’m happy with the payment!

Kirill Arsenyev. Car enthusiast Hello everyone! This year I took out an electronic MTPL policy for myself from Rosgosstrakh Insurance Company (since I had previously insured there and was quite satisfied with the quality of service of this company). I completed everything the first time and without any problems, immediately after payment, I received the policy by mail, printed it out, threw it in the glove compartment and didn’t bother. The policy makes its way to the RSA, the KBM has changed, which means everything is fine with the policy. They stopped the traffic police, looked at the policy printed on a printer, no questions arose. Now I recommend it to everyone!

Natalia. On December 8, the car enthusiast received an MTPL policy from a branch of the company PJSC SK Rosgosstrakh without additional fees. I waited a while and checked the PCA database - EVERYTHING IS NORMAL. KBM, territorial coefficient - everything was taken into account. The line at the branch was one person long. Five years ago I could not get insurance from Rosgosstrakh without additional fees and had to go to another insurance company. This year, another insurance company began to throw a spanner in the works. PJSC SK Rosgosstrakh - keep it up!

Reasons for incorrect data

An error is considered to be incorrect information about the car, drivers or owner. Their reasons may be:

Inattention of the policyholder when filling out the online form. For example, a typo when entering the series and passport number or VIN number of the car.
Incorrect information on the insurance company's website. There are fields where you do not need to enter information, but rather choose from the proposed options, which are already presented with an error. For example, place of registration or make of car.
Discrepancy with the RSA database. Such fields are usually highlighted in yellow to draw the driver's attention. In this case, you can correct the error yourself, but if nothing works, you should contact the insurer directly.

Some recommendations to avoid common mistakes:

It is better to give preference to sites where the car model is listed in accordance with the old policy or it can be specified manually.
The driving experience field indicates the year the driver's license was issued.
Before sending the application, check the entered data letter by letter with the original documents (passport, PTS, STS, driver’s license, etc.).

Does this type of insurance work?

For the first time, the opportunity to issue an MTPL policy via the Internet appeared in July 2015, but it only concerned the renewal of existing insurance. However, starting from October 2015, insurance organizations were legally required to provide the client with the opportunity to purchase an electronic policy if he so desires.

Today, online insurance has gained very great popularity. At the same time, despite the fact that a fairly decent mass of the population has not yet switched to this method of purchasing compulsory motor liability insurance, many car owners have already managed to appreciate the true advantages of this option.

The situation is as follows: a few days before the expiration of the policy, I decided to renew it on the Rosgosstrakh website, but that was not the case, the site began to redirect to RSA, and without explanation, so instead of buying a policy from the chosen company I had to spend a lot of time (Google to the rescue ) and figure out what RSA is, i.e. supposedly RGS cannot sell me a policy at the moment and provides me with assistance and refers me to another insurance company, where I am guaranteed to receive a policy, thank you very much. After studying (well, just for fun) the available insurance companies, I came to the conclusion that they did not particularly suit me, either the reviews were not very good, or the office was at least 80 kilometers away, I decided to call the RGS and find out what the problem was, the operator listened and replied that the problem was more likely technical (well, my Internet is slow, the browser is probably outdated, etc. and advised me to try later or from another device) so I did, for two days in a row, at least 10 attempts a day at different times, and even at night, when supposedly the site is not loaded, the browsers have been updated, the laptop has been wiped clean, but there is no result.

I decided to write to the support, indicated the essence of the problem, the data, asked to check my case, what’s wrong, what doesn’t suit the RGS, what are my actions (by the way, I would be satisfied with a refusal, well, they don’t like me, so there’s no time to waste , there are other insurance companies, we just need clarity), the support responded in a standard way, saying that they understood that the problem was technical, they were working on this issue and advised either to use the services of RSA or to continue trying on the RGS website.

I continued, ten more times during the day, the interception plan still did not give any results. I decided to call again, talk to a real person, the operator listened to me, said that he was not authorized to resolve such issues (well, manually check what was wrong with my policy, maybe the data was not satisfactory, etc.) politely asked if there was Do I have other problems, he said that according to his data, the system is working normally, and recommended using the services of RSA or continuing to try. After that, about half an hour later - a call. I answer. The woman says that she is from the RGS, and the RGS IC takes care of its clients, and she calls me to remind me that my policy is expiring and needs to be renewed on the RGS website.

THIS finished me off, but I pulled myself together, and was even a little happy, after all, he was a living person, and perhaps he would help me, otherwise the previous representative of the Investigative Committee was not very sociable. But that was not the case, the woman listened to me, said that helping me with compulsory insurance was not in her competence, but she could offer me relevant and vital tick insurance this season, because when I go on vacation in nature, ticks will attack my dog , and the dog comes up to me and the ticks attack me, and three times I tried to draw attention to the problems with the insurance policy, but the skillful call manager returned to the right direction about the terrible ticks, I had to abruptly (but without rudeness) interrupt the conversation. So, I started trying to buy a policy on Thursday, today is Monday, late evening, every day 10-15 attempts, no result.

What is needed for MTPL insurance in 2020

No problems of the company are a reason for refusing to issue a policy, and this violation is punishable by an administrative penalty. Usually, you can be refused when purchasing a “citizenship license” at the company’s office in person, but remote purchasing is advantageous in that agents will not be able to impose an additional package of services, or refuse to issue forms at all.

Documents for purchasing a policy:

An application filled out with the details of the future policyholder on the company’s official letterhead;
Driver's documents: passport, car license (PTS, STS) and driver's license;
Diagnostic technical inspection card. You don’t have to take it with you, since data on the maintenance is stored in a single database and checked remotely.

Rosgosstrakh website

Electronic insurance of Rosgosstrakh does not work. Here you will receive an unexpected error and that’s all!

You can go through all the insurance companies from the list, but the result will be 0.

For me it all ended with a happy ending, as they say. I bought a policy, but not online, but at the insurer's office. And as they say, it was just luck.

I tried many ways to apply for compulsory motor third party liability insurance online!

I tried to apply through friends, but even through them it was necessary to apply for additional services + a certain amount on top “for trouble.” But I tried to simply renew the policy in the same company that I bought. NONSENSE.

If you just take out a policy without friends and connections (I can’t believe I’m writing this), you can spend days and weeks with daily roll calls. A working person DOESN'T HAVE SO MUCH TIME. And this explains in full essence why it is impossible to apply for compulsory motor liability insurance online.

This is complete chaos, the regulatory authorities don’t do anything . The prosecutor's office generally gave up on everything. Previously they wrote that “The Prosecutor’s Office is conducting a large-scale audit of insurers,” so what? Never mind! Empty! Donut hole!

Their entire check is to send it by fax to the insurance company, to which they also receive a response by fax. How could you think that! It’s the policyholders begging us for additional services.” Funny! To tears! But this is actually what happens.

If everything had been different, then they would have made a test purchase, and every policyholder would have helped them in this and fined the insurers hundreds of thousands, or even millions of rubles each.