Insurance OSAGO electronic: where and how to apply?

Since mid-2015, Russia has an electronic MTPL. You can make a policy in this way without coming to the office of the insurance company, but directly at home, providing data via the Internet. Let us study the details of this question in the article.

general information

Probably, all the motorists who made out OSAGO, faced with situations when in the UK they tried to impose additional services when buying a policy. Often, not intending to do this, the policyholders still agreed with the arguments of the agents and acquired what they were offered. But now it is not necessary to allocate specially time to go to the office for registration of insurance or to make a decision about the purchase, which was not planned. You can access the Internet at any time and place an electronic OSAGO on the website of the insurance company.

All information is transmitted through an automated database, so any errors are excluded.

What is an electronic policy?

Payment through the Internet is not exactly a new mechanism for Russian motorists. And earlier there was an opportunity to leave applications on a site, then by mail the letter with the policy came. However, now this procedure is much simpler. The process is fully automated, and data validation is carried out through a single database.

Access to it is:

• SC;
• Police departments;
• STSI;
• tax authorities;
• HUNDRED.

To buy OSAGO in electronic form today is easy and simple. However, to use the service or not, it's up to the car owners themselves. If desired, they can in the old fashion to come to the office of the UK and purchase insurance there.

Design via the Internet

After the Russian government decree comes into force, an electronic policy can be purchased, but only for those who have already bought it in the usual way. Then information about this fact is contained in the RSA database, on the basis of which it becomes possible to purchase insurance through the Internet.

Thus, those who just got the rights or purchased a car, compulsory motor TPL insurance is not available. The car enthusiast will have to go to the office of the company and draw up a document there. When buying a policy, you should pay attention to whether the UK is a member of the Russian Union of Motor Insurers. If not, then you will not be able to purchase a policy online next year either. Online purchase can be made in large companies, such as Alfa Insurance, Uralsib, Renaissance, Rosgosstrakh. Electronic OSAGO nevertheless becomes available for an increasing number of ICs.

If the road inspector stops

If the traffic police officer stops on the road, in addition to the standard documents, the driver must submit the MTPL policy. Previously, the original document was presented, and the inspector checked the insurance data with the driver's license.

When buying an online driver only has a copy of the policy, and his original is stored in the archive of the SAR.

Check it can be through a special resource IMTS. The same information, in principle, will show the official site of the RSA. If it turns out that there is a document in his hands that is not drawn up properly, the driver will be fined 800 rubles.

Order of reception and some features

The insurance of OSAGO electronic is simple. First go to the site of the UK (which, as indicated, is included in the SAR). Then go to the policy section, where you need to go through the authorization procedure. At the same time, a message with a confirmation code will be sent to the phone, which is entered into the corresponding field. As a result, a list of insurances that were previously purchased will appear.

Of them, the contract is chosen, which is planned to be extended. Then you need to answer a series of questions and pay the bill. Payment can also be made via the Internet in any customary way. After it is confirmed, a message will be sent to the e-mail immediately, in the appendix to which the policy is contained. It remains only to print and carry along with the rest of the documents on the machine.

So, to arrange insurance through the Internet is very simple. After all, the insurer will not need to submit such documents as:

• passport;
• Registration certificate (if the vehicle is registered as a legal entity);
• Certificate of registration of the vehicle;
• driver's license;
• Diagnostic card about the passage of maintenance.

All this information is already contained in the database after the purchase of the previous policy.

All pro and contra

The fact that insurance of OSAGO electronic can be purchased quickly and at any convenient time is certainly a big advantage when choosing the method of purchase. Nerves and time, usually going to this procedure, are taken care of. Plus, you can easily make a purchase even if the driver is in another region of the country or even outside it. You only need to allocate ten minutes, and a new insurance OSAGO electronic is already in your pocket.

However, this method has its drawbacks. Since the issuance procedure is new, it requires further technical improvements. Sometimes, due to the large number of those who wish, the system is overloaded, a failure or error is displayed.

On the other hand, we can not fail to note the prospect of this innovation. In addition to the convenience for drivers, the system benefits greatly from the UK. In the company "Rosgosstrakh", electronic OSAGO is already widely used. Apply it and other companies. You can purchase an electronic policy of OSAGO "VSC", "Reso-Guarantee". Those companies that mainly built their work on insurance agents, remain in the red. Therefore, most likely, the list of ICs included in the SAR will increase, so that they can also trade policies through the Internet.

However, in addition to the convenience of buying insurance, drivers should pay attention to other parameters. After all, the essence of insurance is the possibility of obtaining insurance benefits, if such a need arises. And in individual companies, according to car owners, there are problems with this. All UK are interested in paying less. But in some of them, monetary compensation is often underestimated.