Electronic OSAGO policy: reviews and expert opinions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The main change that took place on July 1, 2015 is the ability to issue a policy in electronic form. The purpose of the innovation is to make insurance affordable, even in remote regions. How can I purchase an electronic OSAGO policy? Feedback from customers who have used this service is different. According to the Russian Union of Motor Insurers (RSA), 27 insurance companies will sell electronic policies.

The initial stage of obtaining an electronic policy

To issue an electronic OSAGO policy, you need to go to the official website of the insurance company and register. After registration, a personal account will be available through which the client is identified and personal information is verified. After verifying the data, an electronic signature key is issued.

There are several ways to get an electronic key to sign an electronic OSAGO insurance policy:

1) On the official website of the insurance company. To do this, in the personal cabin you will need to enter the last name, first name, patronymic, passport information, mobiletelephone and email address. After verifying the data, a secret code will be sent to the mobile phone, which will serve as an electronic signature key, allowing you to issue an electronic OSAGO policy. Feedback from customers who have bought a policy in this way indicates that this is a very simple and quick option for purchasing insurance coverage.

2) In person at the office of the insurance company. To obtain an electronic signature in the company, the client must first register on the official website and contact the nearest branch, having a passport with him.

Filling out an application for OSAGO

Once you have access to the site, you will need to fill out an application. It is no different from the usual one, in paper form, which is filled out in the office when buying OSAGO. After filling in all the fields, the application must be registered using an electronic signature. Upon positive registration, the client will be invoiced for the payment of the policy. You can pay with a bank card. After payment, the OSAGO policy is sent electronically to your personal mail.

Getting the policy

As soon as the policy is sent to your personal mail, it can be printed out and placed in the vehicle. According to the law, the purchased OSAGO form can be provided to police officers in electronic form: on a mobile phone, tablet or laptop. It is also worth noting that all OSAGO policies are registered on the PCA website, and everyone can check the availability of the form for freevehicle identification number.

It turns out that in practice the purchase of a policy is simple and accessible to everyone. But how do you actually get an electronic OSAGO insurance policy?

Currently, the advantages and disadvantages of e-insurance are being actively discussed on the World Wide Web. Let us consider in more detail all the pros and cons of purchasing an electronic form.

The benefits of online insurance

Let's consider the advantages of issuing an electronic OSAGO form:

1) The main advantage is the quick execution of the contract. You can issue an electronic OSAGO policy at any time convenient for you. To obtain a contract, you need a personal computer and 15-20 minutes of free time.

2) No need to overpay for additional services, without which many insurance companies refuse to cover.

3) The finished document can be stored electronically and, if necessary, downloaded from the site.

Disadvantages of online insurance

Those motorists who tried to purchase an electronic OSAGO policy left the reviews on the World Wide Web and talked about all the shortcomings.

Consider the disadvantages:

1) You cannot buy a policy for a new car that is not registered. The thing is that when applying for a policy, you must enter the state registration plate of the car. You can't get numbers without insurance. It turns out that insurance for new cars is only available at the office.sales.

2) The discount that a driver accumulates for each accident-free year of driving is not always displayed. It turns out that by purchasing a policy via the Internet, you overpay and lose the discount.

3) Insurance companies can customize the application menu at their discretion and automatically check the boxes for additional insurance items. When registering, it is very difficult to replace these items and uncheck them. It turns out that there is a risk of purchasing unnecessary additional services.

4) If you make a mistake when filling out the application, you will not be able to make changes. You will have to refill it. If you register a policy and then find an error, you will need to personally contact the office of the insurance company, write an application and wait until they make changes and provide a new OSAGO policy.

How to buy an OSAGO policy on the official website of Rosgosstrakh

The very first company that offered motorists an electronic OSAGO policy was Rosgosstrakh. Customer reviews indicate that it is purchased quickly and easily. To purchase a form, you must go through a simple registration on the official website, confirm personal information, fill out an application and receive a mandatory policy in electronic form.

According to the feedback from buyers of the electronic policy, there are some difficulties in filling out an application:

- the diagnostic card is not checked through a single EAISTO system, so not every motorist will be able to buy OSAGO forused car;

- when changing your driver's license or last name, the discount is not displayed: in such a situation, you must personally contact the representative of the insurance company and ask to change the information and keep the discount for accident-free years.

The undoubted advantage, noted by many experts, is that those motorists who are already clients of Rosgosstrakh can issue a policy quickly and without problems through the official website of the company. To renew the policy, you only need to enter the series and number of the old form, wait until all the information is loaded, and click "calculate for a new term and renew." This is a very convenient service, which, no doubt, was liked by all the clients of this insurance company.

Policy in the insurance company "Consent"

Currently, several large companies are ready to offer to buy an electronic OSAGO policy. Soglasie, a large insurance company, was also included in the list of companies that began to sell electronic compulsory insurance forms. The principle of purchase is similar to the purchase of a policy in the insurance company "Rosgosstrakh". You need to register, get access to your personal account, through which you can purchase an insurance contract.

Purchase of OSAGO in the company "Alfastrakhovanie"

The Alfastrakhovanie company first began selling the electronic OSAGO policy only to Alfa-Bank customers who paid for the contract with its cards. However, after the servicemany citizens were able to take advantage of e-insurance.

The whole process of registration consists of three stages:

• registration on the site;
• filling out the questionnaire and paying for the policy;
• order a courier to deliver the form.

It is convenient to buy an electronic OSAGO policy at Alfastrakhovanie. Customer feedback indicates that this is the only company that provides the form not only in electronic form, but also in paper form (if necessary).

At the same time, it should be noted that at present not all motorists can use this convenient service. In small towns, it is not available, so it remains to contact the branch of the insurance company, wait in line and purchase a form. In the future, e-insurance will be available to everyone, regardless of where they live.