How to correct an error in an electronic OSAGO policy in 2021

What is e-OSAGO?

Many car owners do not fully understand what e-services for motor vehicle insurance are, especially what legal status these documents have. Older people (usually over 45 years old) are distrustful of the possibility of electronic car insurance. They have many questions: what is an electronic MTPL policy? Is a paper version required? Can e-OSAGO even be called a document?

E-OSAGO is an electronic version of the MTPL policy. You can apply for it online on the official website of the insurer right at home. This type of insurance is ideal for those people who live at a great distance from insurance companies.

Reference. According to clause 7.2 of Art. 15 of the Law “On Compulsory Motor Liability Insurance”, all insurance companies that have a license must, by law, provide the opportunity to issue a compulsory motor liability insurance policy via the Internet.

In addition, the electronic MTPL policy has a number of features:

it does not have a paper duplicate, such a policy can only exist in the virtual world (what does such a document look like?);
if the driver keeps a photocopy of the electronic policy with him, then this paper will not have legal force (how to use e-OSAGO correctly?);
To confirm your e-MTPL policy, you will need to contact a special database.

In fact, an electronic MTPL policy can be compared to money on a bank card: it is not visible, but it exists.

Deadlines for payments under compulsory motor liability insurance at the RGS

The standard period for making compensation is 20 days.

There are no exceptions - only the case specified in clause 4.17.2. Provisions of the Central Bank No. 431-P, but it relates to restoration repairs. That is, not within 20, but within 30 days, the RGS will issue a referral for repairs under compulsory motor liability insurance, when the victim, whose vehicle was damaged, chose a repair station with which Rosgosstrakh does not have an agreement, and the RGS agreed that the vehicle should be restored. at such a service station.

Attention

In the case specified in paragraph. 3 clause 4.22. Regulations of the Central Bank No. 431-P (that is, when beneficiaries apply for money - for example, if the victim died at the scene of an accident), the same standard 20-day period applies, since within 15 days the RGS collects documents for compensation from beneficiaries in connection with the death of the victim, and then within 5 days he is obliged to pay the money. But you need to take into account that this very 20-day period in this case begins to count after the first application from any beneficiary is submitted (there may be several of them).

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.

Obtaining eOSAGO

Having completed the data verification through the AIS RSA, the insurer within 15-20 minutes places information on the cost of the policy in the policyholder’s personal account. The amount is adjusted by reducing the validity period of the insurance policy before payment. If the policyholder is satisfied with the conditions, he pays the invoiced amount from a bank card. Payment is made in one transaction.

Important: Rosgosstrakh accepts only registered bank cards equipped with 3DS security technology for payment. The amount is credited to the company’s account instantly, regardless of the name of the credit institution that issued the bank card.

The eOSAGO is sent in the form of an electronic document to the policyholder’s email immediately after the funds are received into the company’s account. A copy of the policy is also placed in your personal account. According to the guarantee of the Rosgosstrakh company, the maximum waiting time for the electronic policy to be ready will be half an hour.

Additional services are provided for the company's clients who apply for eOSAGO. After receiving the policy by email, they contact any branch of the Rosgosstrakh company to print out the electronic document and affix the company seal. In this case, the electronic policy will become a standard document with the insurer’s stamp, which is ordered in the “classical” way at the organization’s office. This service is free.

If the policyholder is located remotely, he can order the same service by mail. A paper duplicate of the electronic policy is sent by post. This service is paid: the cost is 214.40 rubles, and it is paid separately from the amount of the insurance premium. These additional services are requested by citizens less and less often, since it is enough to buy insurance electronically in order to freely operate the vehicle.

Important: eOSAGO begins to operate 3 days after the contract is signed. If the client is running out of time, he plans to purchase an electronic policy several days in advance. Otherwise, you may receive an administrative fine for not having a policy.

Are there any difficulties with the electronic vehicle license?

Despite the many obvious advantages of an electronic policy, sometimes when taking out this insurance, a car owner may still encounter a number of problems. In particular, the difficulties that arise when applying for compulsory motor liability insurance are primarily due to the fact that this system is still very young and has not been fully established.

Mostly, malfunctions that occur are associated with technical imperfections of the system , as well as errors made by the policyholders themselves.

Documents for issuing an MTPL policy

Application for concluding an agreement in the prescribed form.
Certificate of state registration of a legal entity (for legal entities) or identity document (for individuals).
Documents for the car (passport, registration certificate, vehicle registration certificate, technical certificate).
Licenses of drivers authorized to drive a vehicle (if specified in the MTPL policy).
Diagnostic card, maintenance or state inspection certificate (in accordance with the Federal Law of the Russian Federation No. 170 of January 1, 2012).

Insurers suspend sales of electronic MTPL policies

Full Name.
Age.
Driving experience.
Identification.
Passport address.
Mobile phone.

Passport of the policyholder and the owner of the car. Driver's licenses of all approved drivers. Vehicle registration certificate. Vehicle Passport (PVC). Valid diagnostic card. Bank card Visa, Mastercard or Mir.

Please note that if, as a result of the check, some data does not match the PCA, you can send us scans of your documents and we will check them manually.

You can quickly check the status of your payment case under the MTPL policy or report the occurrence of an insured event.

Check the status of the payment case.
Notify about the occurrence of an insured event.

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Online registration of an eOSAGO policy

Insurance rates of eOSAGO are formed based on the results of risk analysis, statistical data and expert assessments. The insurance company has the right to set its base tariff within the price corridor.

Fast

You issue an electronic MTPL policy through Rosgosstrakh without queuing or going to the office, it is immediately sent to your email.

Comfortable

Your policy is always available in your personal account, by e-mail or Passbook/PassWallet on your smartphone.

Reliable

More than 140 points for settling losses under MTPL in Russia are ready to provide support in case of an insured event.

What are the advantages of Rosgosstrakh?

More than 300 specialized loss settlement centers throughout Russia. This protection allows you to receive insurance compensation wherever you are.

The high pace of work is ensured by the professional team of Rosgosstrakh. We carefully monitor the quality of services and the competence of the specialists working with you.

We openly inform you about the limitations of your insurance policy.

Our experienced specialists know how to help each client in a stressful situation.

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Why you can’t apply for e-OSAGO: possible problems and their solution

So, as noted above, sometimes car owners cannot make electronic compulsory motor liability insurance by already contacting the appropriate website. Let's try to understand the difficulties that arise in more detail and find the main ways to solve the existing problems.

It is impossible to load the official page of the selected insurance company

It should be noted that sometimes a similar situation can be observed towards the end of the year, when many car owners' MTPL insurance expires and they seek to urgently renew it. To solve this problem, you can take the following actions:

Reload the page.
Try to log in a few hours later.
Postpone the purchase of the policy until another day (if possible).
Apply to purchase an electronic policy on the website of another insurance company. You will find a list of the best insurance companies where you can apply for e-MTPL here.

IMPORTANT! To avoid such a situation, it is advisable to worry about insurance renewal in advance, without leaving everything until the last day. You can extend your MTPL policy 30 days before its expiration.

I did not receive a letter with the code required for authorization on the insurer’s website

Solution:

Check your spam folder, as sometimes some emails end up there.
Double-check that the email address you provided is correct.
Wait a little.

After purchase, the policy did not arrive in the mail

In this case, the following actions must be taken:

You should wait for some time.
Check your spam folder.
Write an appeal to the insurance company's email address.

When choosing an insurance company to purchase compulsory motor liability insurance on the Internet, you should first verify the authenticity of the insurer’s website. This is explained by the fact that today there are quite a decent number of scammers and clone sites that will scam you out of money for insurance and, of course, will not send you any policy.

Insurance company website won't load

The main page of the official website of the selected insurance company most often does not load towards the end of the year. During this period, many car owners' MTPL agreement expires, and they all try to urgently renew their insurance. At the same time, the load on the system increases and it fails.

Calculate eOSAGO in Rosgosstrakh - step-by-step instructions

For an accurate calculation, use the electronic MTPL calculator. When submitting an application, motorists use a calculator in any case. This is necessary for the company, which will thereby display the exact amount of the insurance policy. The official name of the functionality is the calculation and purchase of compulsory motor insurance online.

The amount of the insurance premium is calculated in 3 stages: calculation, vehicle, client. This is a mandatory procedure that is completed much faster than a manual calculation of the cost of a document in the company’s office by an employee. The output value will be as close to the real value as possible.

Open OSAGO calculator

Step 1 – Calculation

When choosing the Rosgosstrakh company, policyholders should understand that in terms of the cost of electronic compulsory motor liability insurance, the offer of this company is no different from the offers of third-party organizations. As noted, in one region the cost of the policy is the same in all companies. The first step is called “calculation”. At this stage, the client provides the following information:

Permanent registration of the owner.
Vehicle name - select the appropriate category.
Purpose of use.
Presence or absence of a trailer - yes/no.
Duration of use of the vehicle - indicate the desired validity period of the insurance policy (from 5 days to 1 year).
Driver 1 - full name, date of birth.
Driver's license number.
Full driving experience.

If several drivers are allowed to drive, the full name, date of birth and driver's license number are indicated for each of them. When choosing a term of insurance, the car owner is guided only by his own needs, taking into account the minimum and maximum terms.

The application and personal account will indicate 1 year, regardless of what period the policyholder indicated in the application. There is no need to worry about this: for any period, the default invariably appears in the application is 1 year.

Step 2 – Vehicle

In the first part, the policyholder simply selects a vehicle category from the displayed list: motorcycles, cars, trucks, buses, and other categories. The specific brand is not specified. The second part is dedicated to the vehicle. This part of the calculator contains the following data:

Vehicle make and model.
State number or old-style number (if available).
VIN number - if it is missing, the chassis or body number is indicated.
PTS - the use of EPTS is allowed and its validity period.
STS - number.
Diagnostic card with expiration date.

You can buy an electronic MTPL with less time losses if you fill out the information on the vehicle correctly. According to statistics, it is in this data that policyholders most often make mistakes. As a result, AIS RSA indicates the absence of data in the system. After filling out this section, the cost of the insurance premium will be reflected at the very bottom of the screen.

If the form is filled out correctly, after checking the specified information in the application, the insurer calculates the insurance premium. This is the tariff price that the policyholder pays for receiving an electronic policy. The price is indicated in your personal account and sent to the policyholder in a notification by email.

Step 3 - Client

In this part, information about the owner of the vehicle is filled in. In most cases, this is the owner of the personal account, in whose name the company issued the access keys. But the policyholder and the owner of the vehicle may be different people. According to current legislation, any person who has submitted an application accordingly and provided scanned copies of the required documents can insure a car. The following data is indicated here:

Owner's full name.
Permanent registration address.
Telephone.

There is no need to duplicate the remaining data. Your passport and date of birth are recorded by the system when you receive the keys to your personal account. On the official website of the RGS, information is stored until it is corrected (deleted) by the policyholder personally. Incorrectly provided data is edited before it is sent for verification by the insurer.

Important: regardless of who insures the car (who is the policyholder), the beneficiary is always the owner of the vehicle. If a third party insures the car, the owner receives the insurance. If the owner himself is responsible for taking out insurance, then he also expects to receive insurance compensation in the event of an event described in the law (in the contract).

In what cases can you not get electronic insurance?

There are some restrictions that do not allow a car owner to use electronic insurance services:

The car and its owner did not enter into an MTPL insurance contract during the past year. As a result, you will not be able to buy a policy for a new car, as well as a used one purchased from another owner.
The car has not undergone a service inspection; information about this is not available in the EAISTO database.
The car owner replaced the documents:
personal passport of a citizen of the Russian Federation;
changed permanent registration;
changed the license plate number on the car;
passport or vehicle certificate.

Why is it still impossible to buy an OSAGO policy online:

the elementary reason is the driver’s lack of access to the Internet;
the name of the car owner is blacklisted by the insurer; he is listed as an unscrupulous client;
the applicant cannot make payment using a bank card or electronic payment system;
the previous contract continues to be valid, its validity has not yet expired, a replacement can be carried out a month before the end of the already issued insurance.

But usually what prevents a car owner from insuring his car online is an error on the insurer’s website due to incorrectly entered data or a malfunction in the insurance company’s system. To resolve the issue, you can go to the website of another insurance company or report the problem to the manager.

While the online insurance system is developing, various problems with the websites may occur. There are still small organizations that have not had time to prepare and create a modern system for issuing policies on the Internet.

If you can’t insure your car on one platform, try doing it on the resource of another insurance company. When the system is debugged, drivers will receive significant advantages compared to the standard method of concluding a contract at the insurer’s office. It will be possible to obtain an MTPL policy without leaving your office or home.

What will happen in the improved version of AIS OSAGO

From June 28, the OSAGO database becomes an IT system. The new version will automatically collect all data on insurance contracts:

Insurance conditions;
Odds;
Rates;
Discounts.

AIS OSAGO 2.0 is an improved version of the old OSAGO database, created by the Russian Union of Auto Insurers in 2013. Unlike the previous version, AIS will allow:

Speed up data collection and acceptance of adjustments by the insurer;
Expand system capacity;
Take into account all the terms of the MTPL agreement in detail.

How does the new OSAGO platform differ from the old one?

It is more modern and faster. To create the AIS OSAGO, the latest technologies were used and special equipment was purchased.

Why is there a transition to the new OSAGO platform?

At the moment, serious changes are beginning in OSAGO. Individualization of tariffs requires storing large amounts of data

The new system will allow policyholders to remain owners of the system.

The original OSAGO database was several times simpler:

Storage of contracts;
Collection of information about motorist insurance claims;
Calculation of KBM.

The new MTPL system is tantamount to a new era in insurance. Here we are talking about the full digitalization of the insurance industry in a single source.

Problems associated with car insurance via the Internet

The long practice of using electronic compulsory motor liability insurance in Russia has made it possible to identify a list of the most pressing problems that accompany the online procedure.

The first problem is related to the inability to buy an electronic policy due to an error that appears on the site. If you cannot insure your car online, then first you need to make sure that you have correctly filled out the basic fields as required by the site. If you made a mistake, the site will most likely prohibit you from making a purchase without correction. Usually, well-functioning sites mark in red the fields where errors were made. If the data was entered correctly, but payment is still not made, this means that the problem is in the electronic resource.
The second problem is related to the company’s clients’ fear of having their bank card hacked after paying for the policy.
Unfortunately, the risk of disclosing your data when purchasing MTPL is exactly the same as in any online store. If a virus application was launched into the program, then it will be able to read information from your account, and your card will no longer belong to you. You also need to carefully study the IC website so as not to fall into the hands of scammers who create phishing pages. Check URLs, company information, phone numbers, etc. You can use the insurers' database on the RSA website.
The next problem is related to the fact that the electronic MTPL policy does not arrive by mail after payment. This unpleasant error is often due to the fact that the resource needs some time to enter new data into its database, and then send the finished form by mail. Sometimes the letter goes to the spam folder, so you need to check it too.
Sometimes traffic police officers refuse to accept the electronic MTPL policy you purchased, which citizens undertake to submit for verification in accordance with Article 2, clause 1.1 of the Traffic Regulations. Although, according to the law, it is enough just to print this document and carry it with you in the car (clause 2, part 7, article 15 of Federal Law No. 40). Traffic police officers may require the appropriate seal and letterhead of the insurance company in its original form (find out how to use the document and what to present to the traffic police inspector for inspection here).
Another problem is related to the fact that the website does not have a menu item “buy electronic compulsory motor liability insurance”.
Unfortunately, not all insurance companies take advantage of the opportunity to sell electronic MTPL documents, although the Federal Law on MTPL obliges all companies to add such a service to the main list. About 50% of insurers sell policies via the Internet. Therefore, even on the website of fairly popular insurance companies there may not be a function for purchasing an electronic document. In this case, the citizen has no choice but to come to the company’s office independently and purchase an MTPL policy in person.
Not everyone is satisfied with being redirected to a replacement insurance company; if, for technical reasons, it is not possible to issue a compulsory motor liability insurance policy, the policyholder is first transferred to the RSA website, and then a replacement company is selected using the PTS number. In this case, the insurer no longer has the right to refuse to issue e-MTPL.
Refusal based on the absence of an insurance representative in the region. This action is illegal because each insurance company must have representative offices throughout the Russian Federation or a partnership agreement with another company; this is regulated by Part 1 of Article 21 of Federal Law -40.
Limitation when choosing payment - this problem is created by unscrupulous insurers. Not every person has a Qiwi wallet, WebMoney, and so on.

How eOSAGO works in Rosgosstrakh

If an insured event occurs (see the contract), the insurer will cover all costs of compensation for damage to property, vehicles or the health of citizens. Compensation under MTPL is the responsibility of the insurance company. The obligation is fulfilled in accordance with Art. 12 40-FZ.

According to electronic MTPL, the reimbursement period is 30 working days from the date the insurer actually accepted the application from the policyholder. The same period is counted from the moment the technical examination and (or) inspection of the vehicle is completed. The same terms are provided for under a regular policy, which is issued at the office of the insurance company.

Important: the policy is valid throughout the Russian Federation. If the vehicle is registered in one region, and the insured event occurred in another, then the obligation of the insurer remains valid. This also applies to cases where the injured party was involved in an accident not in the region where the vehicle was registered for mandatory registration.

Validity periods of eOSAGO

The electronic policy is subject to the entire system of rules and requirements for motor third party liability insurance. The validity periods of eOSAGO are prescribed by relevant legislation: in accordance with Article 10 of 40-FZ, the maximum policy validity period is 1 year. It is allowed to conclude a contract for a period equal to the seasonal (temporary) use of the vehicle. The minimum validity period of the insurance policy is 5 days.

Important: according to the instructions of the Central Bank of the Russian Federation, eOSAGO begins to operate no earlier than 72 hours after the date of execution of the document. You should plan the registration and purchase of the document in advance. Plus, immediately after receiving the policy, if the specified amount of time has not passed, you cannot use the car - the document may not yet be in the RSA database.

What to do if the site does not work: is it possible to complain to the insurance company?

To begin with, you should refer to the Bank of Russia Instructions No. 4191-U dated November 14, 2016, which describe the responsibilities of the insurance company to ensure the uninterrupted and uninterrupted functioning of official websites.

The total duration of interruptions in the operation of the site is not allowed to exceed 30 minutes per day. If the limit is exceeded, a notice must be posted on the main page at least one day before the start of work, indicating the date and time of its start and end. Work can be carried out from 22.00 to 08.00 Moscow time no more than once a calendar month.
The maximum recovery time is eight hours from the moment the outage is detected.

The main bodies for complaints are the Central Bank and the RSA , both organizations have electronic and paper appeal capabilities.

The first thing to do in case of prolonged interruptions on the site is to screenshot the monitor screen indicating the date and time (you can take several images to prove a long-term technical failure or the impossibility of any of the operations).
Next, go to the website of the Central Bank of the Russian Federation or RSA and describe in detail the essence of the problem and attach the photos you took.
The last step will be to submit a complaint and wait for the results of the verification.

Alternative options

As an alternative, you should try accessing the website of the desired insurance company from another computer, tablet or smartphone. It is quite possible that technical problems were the result of poor-quality communication between the insurer’s website and the user’s Internet provider.

Or let’s say an option where the insurance company selects clients, cutting off users from certain regions, for example, in which it suffers losses on auto insurance.

In this case, the user will have to disguise himself, that is, change the IP address. Search engines have detailed instructions on using proxy servers and other online camouflage methods.

But the smartest option would be to take out insurance in advance. Today, you can issue a new MTPL policy at the earliest one month before the end of the current contract. A month before the expiration of insurance coverage, you should start trying to purchase a policy from the right company.

Currently, the websites of many large insurance companies are really overloaded with people wishing to purchase e-MTPL. If you can’t issue a policy during the day or evening, then you can try to do it early in the morning or at night, when other users are less active.

In any case, even a few days of daily attempts to issue e-MTPL can bear fruit, because the functionality of the website of the desired insurance company will sooner or later be restored.

How to check the status of a payment case: a step-by-step guide

You can save a lot of time and check your insurance status online. To do this, follow the instructions below:

Visit the official website of the insurance company.
Submit a request to receive data. To do this, go to the “Insurance” section, then to the “Insured Event” tab and select “Check Case Status”.
Enter the required information in the fields - customer name and individual number. Then click on the “Check status” button.
Find out the information you need. The data will be displayed on the monitor screen. Note: This method of obtaining information has a great advantage - you do not need to go through the registration process to access your personal account in order to see the report.

Thus, if the money has not yet been transferred, but in your case the answer is yes, the following message will appear: “Your payment has been approved, please wait for the funds to be transferred.”

If the answer is No, you will receive a message indicating that the payment was declined.

If the amount of damage has not yet been determined, the site will indicate that the transfer of compensation is in the process of determination.

Other design errors and ways to eliminate them

In addition to all of the above, we can also highlight the following factors that sometimes prevent the issuance of an electronic MTPL policy:

Insurance cannot be purchased due to an error on the insurer's website.
First of all, you should make sure that the entered data is correct, since if an error was made, the site will not be able to issue you a policy. If all the information is reflected correctly, but the system still gives an error, then most likely the problems arose on the site itself. In this case, it is advisable to contact another insurer or report your problem to the RSA website.
Inability to purchase electronic insurance on the insurance company’s website.
This circumstance is explained by the fact that the online insurance system is still at the development stage, so there are insurance organizations that are not yet ready to offer their clients such a service. In this case, you will have to buy insurance from another insurer or issue a policy at the office of the insurance company.
It is also possible that all the data is entered correctly, but the payment does not go through the system (how to pay for e-MTPL via the Internet?).
The reason for this may be problems with the website of a particular insurer. In this situation, it is advisable to contact another insurance company.

How intermediaries deceive

Drivers can be left without money and insurance not only because of their own mistakes. Sometimes unscrupulous intermediaries who allegedly have connections with insurance companies offer to issue MTPL at a low price. It often turns out that such assistants are not at all connected with the insurance business. On behalf of the owner, they simply fill out an application, underestimating key parameters and entering false information about the policyholder himself.

“After receiving a signed e-OSAGO agreement in PDF format from the insurer, such an intermediary, using special software, indicates the correct data of the car owner in it. After that, he sends the car owner an e-OSAGO agreement with his data, and takes the difference in the insurance premium for himself. Most of these unscrupulous intermediaries work in “red” regions with high risks of fraud in compulsory motor liability insurance,” warned the Russian Union of Auto Insurers (RUA).

There was an error

Photo: RIA Novosti/Maxim Bogodvid

Rosgosstrakh confirmed that they have encountered such a practice.

“The motorist does not even realize that his liability is not insured - he can find out about this today only by applying with such a policy to ]after[/anchor] the insured event to settle the loss. And the refusal becomes an unpleasant surprise for him. According to our data, the number of requests to Rosgosstrakh with such policies ranges from several dozen to hundreds of cases every month,” Izvestia correspondents were warned.

We parted ways without consequences: in what cases can you leave the scene of an accident?

Sometimes the scene of an accident even needs to be left without following the necessary formalities.

Where can I apply for an e-policy?

You can quickly purchase an e-MTPL policy today, where the method actually works. It is necessary to take into account the fact that, by law, only licensed insurers can sell electronic policies.

If you received an email with an offer to buy insurance from a broker (intermediary), and not from the company itself, then this could be either a fraudulent or a completely official offer. Either the driver will be provided with a fake policy, taking his money, or after clicking on the link, the car owner will be taken to the insurance company’s website, where he can safely buy the original OSAGO.

Some tips on how and where it would be better to purchase a policy:

Use the insurer’s website or the e-guarantor system.
It is advisable to carry out the procedure early in the morning, starting at 4-5 o’clock on weekdays. During this period of time, PCA servers are not so overloaded, so client requests are processed instantly.
If technical support for a small company’s website does not work 24 hours a day, then you can go to the resources of large insurers - Ingosstrakh or Rosgosstrakh, which work around the clock on weekends and holidays. Experts will talk about the features of the system and how to accurately issue an electronic policy.

Rosgosstrakh

On the Rosgosstrakh company website you will need to fill out a form to purchase insurance. Next, the system will ask you to upload scanned copies of the car owner’s documents. After a 20-minute verification, a universal link to the page where the calculation is carried out is sent to your email address. The message also indicates the sender's address and the subject of the letter.

After receiving the letter, you will need to go to the Rosgosstrakh website and log into your personal account. Then follow the link to the page to pay for the policy and complete the registration.

Ingosstrakh

The Ingosstrakh website offers slightly unusual navigation, although if you wish, you can quickly figure it out. First, a preliminary calculation of the cost of the MTPL policy is made so that the car owner can assess his own capabilities and the sufficiency of funds to purchase insurance. Then another form opens, in which you need to enter the necessary data about the car and its owner, after which the final calculation of the cost of the policy is carried out.

If you wish, you can solve all the problems that arise. If the car owner is a confident PC user, then there should be no difficulties with obtaining compulsory motor liability insurance.

How to check the status of a payment case in Rosgosstrakh?

If an accident occurs, a citizen has the right to compensation for damage caused. After receiving the completed application, Rosgosstrakh will open a payment file and, after studying the documentation, make a decision on payment or refusal to pay the insurer.

Step by step instructions:

Where it says “Insured event”, you need to click on the tab “Find out about the status of the case”;
Enter the name of the insurer;
Enter the payment file number for which the citizen wishes to receive information;
The system will ask you to enter a verification code. The code is provided free of charge.

On the Rosgosstrakh website, any citizen can find out the status of the payment case by number, if he has all the necessary data to fill out. If for some reason the owner of the vehicle cannot carry out the inspection himself, he can ask a person close to him to do this.

When a citizen contacts an insurance organization after an accident, the company opens a case based on his application.

In this case, an individual number is assigned so that the car owner can subsequently track the status of the entire operation. To find out what stage your case is at, simply go to the website and enter your personal details and case number.

The citizen will receive information about:

Stages of consideration of the case;
Whether compensation was approved;
Amount of payment;
In the notice, the liability insurer indicates:
- Liability policy registration number;
Number of vehicles involved in the collision;
The exact location and time of the incident;
What is the degree of fault of the insured in the accident;
The degree of damage to the car after the accident;
The service will still require you to select a claims center.

Note: This procedure can be completed online if only the vehicle was damaged in the accident. If a person was injured in an accident and is included in the accident report, contact your insurance company toll-free and explain the procedure.

For your CASCO policy, the service will require you to fill out the necessary fields and enter the required information:

Enter the passport details of the car owner;
Indicate your registered CASCO number;
Note the exact time and location of the incident;
Describe the nature of the damage to the vehicle;
The service will still require you to select a claims center.

Is additional documentation required?

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 refusal of payments

In 2021, Rosgosstrakh may refuse to provide compensation in the following cases (including, but not limited to):

the 5-day (with a European protocol) or 3-year deadline for filing a complaint (when registering an accident with the participation of the police) has been missed;
knowingly forged or forged documents were provided;
the RGS has no obligation to provide compensation at all (for example, if the culprit does not have civil liability insurance or has the right to PPV, and the victim turned not to his company, but to the culprit);
an unauthorized person (that is, not a victim or beneficiary) applied;
the presence of the circumstances specified in clause 4.28. Provisions of the Central Bank No. 431-P, that is, damage to property or health was caused due to force majeure circumstances, the intent of the victim himself, etc.