CTP electronic insurance: where and how to apply?

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

Since the middle of 2015, electronic OSAGO has appeared in Russia. You can issue a policy in this way without coming to the office of the insurance company, but right at home by providing data via the Internet. We will study the details of this issue in the article.

General information

Probably, all motorists who took out OSAGO faced situations when they tried to impose additional services when buying a policy in the UK. Often, not intending to do this, the insurers nevertheless agreed with the arguments of the agents and purchased what they were offered. But now you do not need to set aside special time to go to the office to apply for insurance or make a decision about a purchase that was not planned. You can go online at any time and issue an electronic OSAGO on the website of the insurance company.

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

What is an electronic policy?

Payment via the Internet is not a completely new mechanism for Russian motorists. And earlier it was possible to leave applications on the site, after whichA letter came in the mail with a policy. However, the process has now been greatly simplified. The process is fully automated, and data verification is carried out through a single database.

Access to it have:

• SK;
• police agencies;
• traffic police;
• tax authorities;
• STO.

To buy OSAGO in electronic form today is easy and simple. However, it is up to the car owners to decide whether to use the service or not. If they wish, they can come to the UK office in the old fashioned way and purchase insurance there.

Issue online

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

Thus, for those who have just obtained a license or purchased a car, electronic OSAGO insurance is not available. The motorist 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 insurance company is a member of the Russian Union of Motor Insurers. If not, then you will not be able to purchase a policy via the Internet next year either. An online purchase can be made in large companies such as Alfastrakhovanie, Uralsib, Renaissance, Rosgosstrakh. Electronic OSAGO, however, is becoming available to an increasing number of ICs.

If a traffic inspector stops on the road

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

When buying online, the driver only has a copy of the policy on hand, and its original is stored in the PCA archive.

You can check it through a special resource IMTS. The same information, in principle, will be shown by the official website of the PCA. If it turns out that the document is not properly executed, the driver will be fined 800 rubles.

The order of receipt and some features

CTP electronic insurance is issued simply. First, they go to the website of the UK (which, as mentioned, is included in the PCA). Then they go to the policies section, where you need to go through the authorization procedure. In this case, a message will be sent to the phone with a confirmation code, which is entered in the appropriate field. As a result, a list of insurances that were previously purchased will appear.

The contract that is planned to be renewed is selected from them. Then you need to answer a series of questions and pay the invoice. Payment can also be made via the Internet in any usual way. After it is confirmed, a message will be sent to your e-mail immediately, the attachment to which contains the policy. All that remains is to print it out and take it with you along with the rest of the documents to the car.

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

• passport;
• registration certificate (if the vehicle is issued to a legal entity);
• certificate of vehicle registration;
• driver's license;
• diagnostic card about the passage of MOT.

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

For and against

The fact that CMTPL electronic insurance can be purchased quickly and at any convenient time is, of course, a great advantage when choosing a purchase method. The nerves and time usually spent on this procedure are saved. Plus, you can easily make a purchase even if the driver is in another region of the country or even outside it. You just need to set aside ten minutes, and the new electronic OSAGO insurance is already in your pocket.

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

On the other hand, it is impossible not to note the prospect of this innovation. In addition to the convenience for drivers, the UK benefits greatly from the system. In the Rosgosstrakh company, electronic OSAGO is already widely used. Other companies use it as well. You can purchase an electronic OSAGO policy "VSK", "Reso-Guarantee". Those companies that mainly built their work on insurance agents remain in the red. Therefore, most likely, the list of SCs included in the RSA will increase in order tothey could trade policies over the internet.

However, in addition to the convenience of purchasing insurance, drivers should pay attention to other parameters. After all, the essence of insurance lies in the possibility of obtaining an insurance payment, if such a need arises. And in some companies, according to car owners, there are problems with this. All ICs are interested in paying less. But some of them especially often underestimate monetary compensation.