How to issue an electronic OSAGO policy at Alfastrakhovanie? Electronic policy "AlfaStrakhovanie": reviews

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

AlfaStrakhovanie is one of the most popular and most reliable insurance companies in the country. In more than 400 additional offices in all regions of Russia, the insurer provides a wide range of insurance products. But especially in demand today is the electronic OSAGO policy. How to issue such a document in AlfaStrakhovanie?

General concepts

According to the law, every car owner must have OSAGO. Without a policy, it is impossible to register a vehicle (vehicle) with the traffic police and use it. The absence of OSAGO entails pen alties and even a ban on the operation of a car. With the policy, the owner receives the right to compensation for material damage to other participants in the accident. The number of insured events is not limited.

DPS officers today have the opportunity to check the validity of the policy through the IMTS of the Ministry of Internal Affairs of the Russian Federation or through the database of Russian auto insurers. And since the data onthe insured are paid almost simultaneously with payment, then patrol traffic police do not have the right to hold the driver accountable, according to Part 2 of Art. 12.3 Administrative Code.

The electronic policy in AlfaStrakhovanie (EOSAGO), as in any other company, is calculated by multiplying the base rate by various individual coefficients. These may include the region of registration, engine power, the period of use of the vehicle, the age and experience of the driver, etc.

Why you need OSAGO

Firstly, it is saving your own money in case of an accident. For the policy allows the holder of the insurance to reimburse the damage caused to the driver, property or vehicle affected by the accident at no cost.

Secondly, the OSAGO system is a civilized way of settlement between the parties to a road conflict.

If there is no policy, you will have to cover all the costs associated with an accident from your wallet (and the amounts are usually rather big).

There are three scenarios in the event of an accident.

1. If, through the fault of the insured in AlfaStrakhovanie, harm was caused to the he alth and / or car of another driver, then the company, after an assessment of the expert commission, pays the amount indicated by specialists. The culprit repairs the personal vehicle at his own expense.
2. If the car and / or the client of the company was damaged due to someone else's fault, then he receives material damage.
3. If both drivers are guilty, then the measure of each is determined by the court, and AlfaStrakhovanie calculates the ratio of damages incurred in monetaryequivalent and makes payments.

Maximum refund

AlfaStrakhovanie company pays out in case of damage to he alth and life an insurance amount not exceeding 500,000 rubles under an electronic policy. If compensation is assigned to a participant in an accident who has lost a breadwinner, then the compensation will be within 475,000 rubles. Burial expenses amount to 25,000 rubles.

Damage to property, including the car, does not exceed 400,000 rubles. Each participant in the road conflict can claim it.

According to the Europrotocol, the maximum reimbursement is 50,000 rubles.

Transfer is carried out within 30 calendar days.

For payments, you need to prepare:

• Original insurance policy.
• Traffic accident notification.
• Vehicle registration certificate.
• The rights of the driver at the wheel during an accident.
• Documents proving his identity.
• Bank details.
• Incident information.
• Document on the refusal to initiate proceedings on a committed administrative offense.
• Original and copy of the decision on an administrative offense.
• Original and copy of protocol on administrative offense.

How to buy

Clients registered in the AlfaStrakhovanie system only need to renew the electronic policy. New users must first open a personal account. To do this, the proposed form is filled out, and fidelitydata is confirmed by entering a password, which the system sends to the specified phone number.

Next, the cost of OSAGO is calculated. After payment, the document data is stored in the PCA database (it takes no more than two minutes to verify them), and the policy itself appears in your personal account and comes to your email inbox. It remains only to print it (or save it on your smartphone). But this is only if the information entered is correct. If the system has found errors, then in order to make changes to the electronic OSAGO policy from AlfaStrakhovanie, the applicant will have to upload scans of documents that require correction. A company specialist will already work with them. After making changes, you can proceed to payment.

Insurance purchased in this way is equivalent to its paper version.

Payment

If the amount given by the calculator suits the buyer, click "Pay". There are three ways:

1. Alfa-click Internet Banking.
2. Bank card with any payment system (with support for payments on the Internet).
3. Via e-wallet.

Renewal

Judging by the reviews of the electronic OSAGO policy from AlfaStrakhovanie, this procedure is incredibly simple (you can complete it any of the 60 days before the expiration date). We go to your personal account on the official website and log in. To do this, in the form that opens, enter:

• Valid insurance number.
• Last name, full name.
• Date of birth.

SoThus, the new electronic policy from AlfaStrakhovanie OJSC is already considered to be partially completed. Next, we act according to the prompts of the system. Namely:

• Open the "Policies" tab and find the current one. If the deadlines allow, then next to it there will be a button "Buy EOTSAGO".
• Waiting for data reconciliation with the PCA database.
• After its completion, consent to the sale of the policy and an application form are sent to the email box.
• In your account, click the "Pay" button and select a convenient money transfer option.
• After payment is confirmed, the finished policy will be sent to your email.

For a timely renewal, the company's specialists remind you of the expiration of the insurance by e-mail or SMS.

Fares

Sets the tariff scale of the Central Bank of Russia. The policy purchased for the first time will be calculated from the base rate and individually selected coefficients. To streamline insurance transactions, the Central Bank issued an instruction to determine the tariff corridor, which spells out the maximum and minimum base rates.

Calculate the cost of an electronic policy in AlfaStrakhovanie

In the corresponding tab, enter the following data:

• Vehicle make.
• His model.
• Year of issue.
• Start and end date of insurance.
• Technical indicators (engine power - KM, car age - KS, etc.).
• Accident rate - KBM (forcareful driving is a bonus-malus. It makes it possible for the absence of insured events to buy a policy 5% cheaper every year).
• Vehicle registration region - KT (large and federal cities have a rather high coefficient. For example, in Moscow it is 2.0).
• Information about drivers and owner allowed to drive a car, including age and experience - FAC, KO.

Now you need to confirm your consent to the processing of personal data and click the "Calculate E-OSAGO" button.

The final cost is affected by the applicant's desire to include additional risks. But the general formula looks like this:

Package of documents

To issue an electronic policy in AlfaStrakhovanie, in addition to an application in the prescribed form with a request to conclude an agreement, you must prepare:

• Originals and copies of identification documents of the owner and / or insurer (if they are different people), or a certificate from the tax service on state registration of a legal entity.
• Driver's licenses of all authorized to drive a car (unless otherwise specified in the policy).
• Documents for the vehicle (PTS, registration certificate, registration certificate, passport).
• Diagnostic card (ticket of technical or state inspection).

Advantages of EOSSAGO from AlfaStrakhovanie

Issuing an electronic policy from AlfaStrakhovanie has many advantages. Most often inreviews are as follows:

• The purchase takes place without a visit to the representative office and queues.
• After payment, the data is instantly displayed in the PCA database.
• No additional services are imposed on the policy and there is no need to pay for filling out forms.
• When calculating the amount of insurance, personal KBM is taken into account, loaded from the PCA database.
• Issuance and renewal is possible around the clock and on the desired date.
• Payment for the policy goes through secure channels.
• In case of loss, the document can be printed again from your personal account.

Why AlfaInsurance?

In addition to reliability and convenience, the company offers online OSAGO services in any region of the country. The site interface is simple and clear, so the purchase of a policy is quick. Pleasantly surprises customers, judging by the reviews, around the clock support for the owner of the insurance.