Renew your MTPL policy through State Services: online renewal

Video instructions for car insurance through State Services

You can apply for compulsory motor liability insurance through State Services online, without leaving your home. Use a convenient calculator! It will save time and money, since there is no need to personally contact the insurance company. Apply for car insurance through State Services and receive it by email . Your policy data will be automatically added to the traffic police and RSA databases .

Car insurance is a necessary step to save a lot of money in case of an accident or theft. After an accident, there will be a need to repair the vehicle, as well as compensation for damage caused to third parties. Having an MTPL policy becomes a lifeline in such situations and is a mandatory document .

Insurance cost calculation

The online calculator on the insurance company's website calculates the cost of the policy after filling out the required fields; it takes a few minutes.

Expert opinion

Ivan Strahovsky

Insurance expert

OSAGO calculator

The cost of compulsory motor liability insurance is affected by the age of the vehicle, its type, power, as well as the age and driving experience of the insurance company client. The characteristics of the region where the policy is issued have an impact.

After completing the calculation, the user can pay using a bank card or e-wallet.

What is the State Services portal

This is an information system that provides citizens with the necessary information about government organizations and the services they provide electronically. The portal's help desk allows you to search for services by area, life situation, or place of residence. The website contains links to departmental websites, as well as samples of required documents.

The portal eliminates the need for citizens to contact institutions in person and waste time waiting. Some services can be obtained online. Others provide the opportunity to submit an application via the Internet and receive documents in person at the department.

How is data protected?

The implementation of the service on the government services website was carried out as part of an experiment to launch a digital profile of Russians, in accordance with Decree of the Government of the Russian Federation dated June 3, 2019 No. 710.

During the development and launch of the service, all measures were taken to protect the personal information of citizens. Any client will now be able to quickly and safely buy an MTPL policy online or use banking services through State Services.

Today, an MTPL policy is a mandatory vehicle liability insurance document, and it is the responsibility of every car owner to promptly insure a vehicle (vehicle) by issuing a MTPL policy for the vehicle . However, applying for an MTPL insurance policy is often associated with certain difficulties: the need to contact the insurance company, waste time, wait in line, etc. Therefore, it is not surprising that many drivers are interested in whether it is possible to buy an electronic MTPL policy through State Services online? Therefore, I will tell you how to apply for an MTPL policy through the State Services website 2020

Registration on the portal and creation of a personal account

The first thing you need to do before submitting an application is to register an account on the State Services portal. The process is simple, even those who have not encountered the functionality of the site before can easily cope with it.

While on the main page of the portal, you must press the “ Personal Account ” button in the upper right corner of the screen. In the corresponding window, the user will be asked to log into an existing account or register.

When creating a profile, you must indicate the user's full name and contact information: mobile phone number and valid email address. After this, you need to confirm the data . If the account was linked to a mobile phone, its owner will receive an SMS with a confirmation code. If you used e-mail when creating your account, you will receive an email with a link. By clicking on it, the user confirms registration.

The next step is confirmation of personal data . To do this, you must indicate SNILS and Russian passport number. If a foreigner is registering, he must indicate the passport number of his country.

These two steps are enough to register a Standard account . To be able to use all the functions of the portal, you need to create a Verified Entry . To do this, you need to confirm your identity. This can be done in several ways. The first is a citizen’s appeal to one of the Service Centers. You need to have your passport and SNILS with you.

Another way is to confirm online using Internet banking

. Clients of one of the banks can confirm using applications. In addition, you can order to receive a confirmation code through Russian Post. This method requires waiting for several days. If you have an Enhanced Electronic Signature, it can also be used for these purposes.

How to renew your MTPL policy online - instructions

Drivers in the Russian Federation are required to have an MTPL policy with an unexpired validity period of the insurance contract. If the car owner understands that the insurance will soon expire, he renews it.

MTPL insurance will help the motorist pay for any damage that he may cause on the road. This could be any emergency situation: road accidents are quite common. Damage is paid to the insurance company in accordance with the standards established and applicable at the legislative level. They are indicated at the beginning of the article.

It also happens that there is not enough money to compensate the injured party for damage to health and property. In this case, the insurance company can make compensation for the culprit.

Expert opinion

Ivan Strahovsky

Insurance expert

OSAGO calculator

In this matter, the car enthusiast must be vigilant . The fact is that subrogation from the insurance company threatens him with the collection of funds in the future. In practice, it looks like this: the insurance company transfers money to the injured party in excess of the established limit. Then they draw up a letter of claim addressed to their client demanding payment of the money that was transferred to the injured party in excess of the limit. If the motorist involved in the accident and who is at fault does not respond to the letter received, the insurance company has the legal right to go to court. The situation is unpleasant for a car enthusiast, so this issue must be controlled.

If the insurance policy has expired, the contract must be renewed. This is usually done according to a standard scheme, in which there is nothing complicated:

Each client has a Personal Account on the website of the insurance organization, in which his data and information on the policy are left. Login to the user's account.
We are looking for a section called “menu”, enter the subsection called “private individuals”. Then we follow the active link, which allows you to remotely renew the policy.
Select an existing contract from the list.
In the “consequences” section, click on prolongation.
The page displays information for the future policy. The user can change insurance information. If the information displayed is correct, there is no need to make any adjustments, proceed to the next step.
After analyzing the information, you need to start calculating the price of insurance.
The system will prompt the user to switch to the Russian Union of Auto Insurers. If a citizen does not need to contact this organization, he can skip this step and send a code to confirm the transaction.
Enter the received code into a special field, then confirm.
Payment for insurance is made using Mir, Visa, MasterCard cards.

As with the initial conclusion of the contract, the MTPL policy will be sent to the user’s email address or to the Personal Account.

Required electronic copies of documents

After filling out the application for concluding a contract, you must attach electronic copies of documents.

You need to upload scans:

car owner's passports. If the insurer is not the owner of the car, you must also upload a copy of his passport;
vehicle registration certificate;
driver's licenses of all people who have access to drive a vehicle;
diagnostic card, provided that the car is older than three years.

How to apply for compulsory motor liability insurance online, through “State Services” - instructions

Car insurance through Gosuslugi is a fairly popular service on the portal. This indicates the growing trust of the Russian population in this online resource. For the first time, such an opportunity appeared in 2021, with the introduction of electronic policies, or E-OSAGO, into the compulsory auto insurance system.

Step #1. Registration on the portal

To gain access to all sections and tools available on the State Services resource, the user must log in by creating a personal account. Without this, it is impossible to apply for compulsory motor liability insurance online through Gosuslugi. Since a car insurance policy is a legally binding document, it will require the personal signature of the vehicle owner to obtain it.

In “State Services”, as an individual signature, there is a login and password , which gives access to the user’s personal account.

Registration on the portal occurs in three stages:

A simplified account is created. To do this, when prompted by the system, you need to indicate your full name, contact phone number and e-mail. A preliminary password for entering the portal is sent as a telephone SMS or to the specified email address. Next, you need to create an individual password, which is entered into the system memory.
After creating a simplified account, you should create a standard account. It gives users access to the full range of services provided by the online resource. To do this, fill out a page with an electronic field for entering the required information. These are: the user’s passport data and SNILS account number. After the entered information has been verified, a notification about this will be sent by email.
The final stage of registration in your Gosuslug personal account is personal identification by sending a confirmation code by email. Among the backup options are personal appearance at the MFC with a passport and SNILS, or certification with a personal electronic signature, if the user has one.

Step #2. Choosing an insurance company

Since the creation of the Gosuslugi portal, its visitors have been able to directly select an insurer in a special section called OSAGO. It contained a list of companies providing electronic auto insurance services.

In 2021, amendments were introduced to Federal Law No. 40 , according to which every company operating in the vehicle insurance market became obliged to sell electronic policies to customers.

Therefore, the “OSAGO” link on the online resource was removed . Today you can insure a car through Gosuslugi by directly going from the portal to the RSA website. It contains information about all Russian auto insurers - terms of concluding a contract, a set of necessary documents, prices.

Expert opinion

Maria Skoraya

Insurance expert

OSAGO calculator

When choosing a specific company, you should be guided by reviews of other clients, insurer reliability ratings, and, of course, the price of car insurance services.

The step-by-step selection procedure looks like this:

We enter the user’s personal account.
On the “Government Services” portal, open the “Service Catalog” tab.
We go to the “Transport” section, and then to the “E-OSAGO” subsection.
After this, there is a transition to the RCA information resource, where we select an insurer from the presented catalog.

If you are a client of a company and you are satisfied with it, it is not advisable to change it to another insurer. By retaining your previous insurance partner, you simplify the procedure for obtaining a policy. In addition, many companies provide discounts and other bonuses for regular customers.

Step #3. Filling out the application form

After choosing the insurance company that suits you most on the website of the Union of Auto Insurers, you need to click on its name with the mouse. After this, the system will automatically redirect you to the official website of the selected company. Here, the policy buyer will be presented with an electronic application form for concluding an insurance contract.

To fill it out, you will need the following set of documentation:

General passport of the owner of the vehicle.
PTS or SOP cars.
Driver's licenses of all persons who are planned to be included in the MTPL policy. The exception is the purchase of unlimited insurance.
Diagnostic inspection card.

After analyzing the information provided, the system calculates the cost of the policy.

If the driver has changed his license during the past year, then the completed application should indicate the number and date of receipt of the first license.

This way you will be able to maintain your driving experience and your individual KBM coefficient. Information about the price of OSAGO, after calculation, will be displayed on the screen. You can pay for the policy either through a bank or online, using a plastic card or deposit account details.

Step #4. Obtaining a policy

After paying the cost of insurance, the policy is sent to the client. At the buyer's request, several delivery options are available:

the e-mail specified in the application , in the form of a digital file. The electronic policy can be copied and stored in the memory of any device – smartphone, PC, laptop, or on a flash card. If desired, E-OSAGO can be printed on a printer and converted into paper format, which has full legal force.
Receive the policy in the traditional paper version. The document is sent to the client’s residential address by registered mail or courier delivery service. If the office of an auto insurance company is located near your home or place of work, you can pick up the policy yourself from the company’s employees.

When choosing a method for obtaining a policy, you should keep in mind that sending by mail, or by courier, in many insurance companies, is an additional paid service .

Payment and receipt of an electronic OSAGO policy

After submitting the application and checking all the data, the user can make payment for the electronic policy. This procedure is also carried out online.

Visa and MasterCard systems are used to make payments . Many insurance companies allow the use of the Russian MIR . Before making a payment, you should study the list of payment systems supported by a specific organization. In the appropriate field you must indicate the bank card number, its expiration date and CVV2 code. After entering the data, the client will receive an SMS with a confirmation code.

When making a payment, you must remember about security. The page on which data is entered must be protected by a security certificate. You can check this by the presence of a padlock icon near the address bar.

Expert opinion

Ivan Strahovsky

Insurance expert

OSAGO calculator

After making the payment, the client will receive an email. It will inform you that the policy has been successfully paid. A .pdf file with an electronic copy of the MTPL policy will be attached to the letter. It is recommended that you print it out and place it in the glove compartment of your vehicle. You can store the electronic version on a smartphone or tablet. However, having a paper copy will be able to insure the car owner in case of malfunctions of the device.

Advantages and disadvantages

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Electronic MTPL policy, how to buy online - list of companies

How to add a driver to the electronic MTPL policy?

Many motorists have certain doubts about the advisability of purchasing insurance remotely. In order to make the right choice of design method, we will consider the advantages and disadvantages of each method.

Pros:

Comfort. There is no need to visit the company’s office, and you can submit an application regardless of the time of day;
Safety. Registration takes place on the official website using an electronic signature. This guarantees the security of the design;
The ability to refuse the imposition of unnecessary services;
Simplicity of design;
Saving time resources.

Minuses:

Registration of OSAGO online is not possible for a new car. This is due to the fact that in the database of the Russian Automobile Insurance Union there is no data about a new car, and in order for it to get there, the first insurance must be carried out at the company’s office;
Mistakes made will not allow you to obtain compulsory motor liability insurance;
Inability to verify the electronic policy by traffic inspectors. Most inspectors have the technical means to check, but there are times when it is impossible to check;
Registration of an accident under the European protocol is impossible without the availability of equipment for checking the e-policy;
System malfunctions.

Pros and cons of registration of compulsory motor liability insurance through State Services

Registration of a policy through the State Services portal has many advantages. First of all, the procedure saves the client’s time, since there is no need to go to the insurance company’s office and stand in line. The application can be submitted at any convenient time of the day. The procedure for obtaining and paying for insurance takes no more than half an hour.

Another plus is reliability. If you lose a printed copy of the policy, you can easily make a new one using the electronic version of the document on your computer or smartphone. If the document is in paper form, then losing the original can cause a lot of inconvenience.

The State Services portal contains information about verified and licensed insurance companies. This significantly reduces the likelihood of becoming a victim of attackers.

During a personal meeting, company managers often try to impose additional services on the client. By applying for compulsory motor liability insurance online, the user will not encounter such a situation and will not pay for something that is not needed.

The disadvantages include possible difficulties for older car owners who have not used such portals before. However, understanding the site's interface is not very difficult. You should be careful when making a payment online.

Registration through State Services

Before applying for a policy through the government services portal, you need to log in.

Authorization allows you to gain access to all insurance companies that are licensed to carry out insurance activities.

Next, let's look at each step separately:

Log in to the State Services portal and then go to the “Services” section;
Next, you need to select the “Transport and Driving” section and indicate the “Electronic Insurance” item;
A list of insurance companies that legally operate will be offered. It is better to choose a company from which the client has already purchased insurance services. This will allow you to avoid erroneous calculations when ordering services;
By selecting an insurance company, the client will be redirected to the company’s official website;
Fill in all information about the car and owner. In most companies, data is filled out using similar templates;
After filling in the data, the cost will be calculated. This procedure takes from 5 to 10 minutes. Afterwards the registration of compulsory motor liability insurance will continue;
Payment for insurance.

After registration, the data will be sent to the traffic police database, and insurance will be sent to the client’s email.

When you receive an insurance policy in the mail, you can print it out and put it in your car.

A printed insurance policy issued electronically has the same value as an insurance policy issued at the company during a personal visit.

This action will allow you to avoid unpleasant situations when traffic police officers cannot check the presence of compulsory motor liability insurance in their databases.

Basic information about registration of compulsory motor liability insurance

OSAGO is a type of insurance in which the object of insurance is the civil liability of the car owner.
You can apply for insurance through the State Services website. To get a policy, you need to register on the State Services website and get a verified account. After this, you need to select an insurance company, fill out a form and pay the cost of insurance.

At the end, you must print the electronic version of the policy or receive a paper version of the policy by mail or at the insurance company branch.