"AlfaStrakhovanie", OSAGO: reviews, calculation, registration, renewal

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

One of the largest companies in the Russian insurance market, AlfaStrakhovanie OJSC, offers about a hundred products for individuals and legal entities.

AlfaStrakhovanie is a full member of the Russian Union of Motor Insurers, whose status is confirmed by law. And this suggests that in the event of an insured event, a participant in a traffic accident, who has the right to direct compensation for damage, will definitely receive it. Also, PCA member companies have the opportunity, under certain circumstances, to use the European protocol (that is, to come to an agreement without the involvement of traffic police inspectors).

Modern requirements

Today, every owner of a vehicle must have an auto third party liability insurance policy. This document, first of all, is needed to compensate for damage caused to he alth, property or life of third parties during a traffic accident that was provoked by the insured. That is, when purchasing OSAGO, the driver, first of all, protects his own interests.

The terms of the contract, like all disputes between the parties, are regulated by law.

Judging by the reviews of OSAGO in"AlfaInsurance", the policy can be used in three cases:

1. With mutual guilt, the measure of which is most often determined by the court. In this case, payments are calculated in a certain ratio.
2. With the explicit fault of the AlfaStrakhovanie client. The victim is paid the amount appointed by the expert commission, and the culprit repairs the vehicle at his own expense.
3. When damaging a vehicle to an insured client of the company. Here it is he who receives a certain amount of material damage.

The cost of the policy is formed from the base rate regulated by the state and individual coefficients.

Tariff corridor

It is set by the Central Bank of Russia. That is, there is a minimum bet and a maximum. It is the responsibility of each insurance company to independently determine the cost of the policy within these limits. But the final amount will always depend on:

- the number of drivers allowed to drive the vehicle (the closed list has a coefficient of 1, the open one - 1, 8);

- vehicle power (more power generates a higher coefficient);

- number of years of careful driving (gives an annual discount of 5%);

- driver experience and age (small experience increases the coefficient);

- vehicle registration region (the larger it is, the higher the coefficient).

Calculating OSAGO from AlfaStrakhovanie is usually not difficult: almost every website representing any insurance company hasonline calculator. The user only needs to enter the required information in the opening forms and agree to the processing of personal data.

The ubiquitous Internet

Today, the CMTPL service online from AlfaStrakhovanie is available 24/7. That is, you can purchase and renew the policy without leaving your home for some five to ten minutes.

The document is sent to the client by email and in printed form is absolutely identical to the paper version issued in the office. And the benefits of buying it are significant:

- no need to go to the office, stand in line and talk to a company specialist;

- registration on the site is simplified to a minimum;

- the policy in case of any incident can always be printed again (and not go to the office and write a statement about the loss, for example).

It is the last point, judging by the feedback on OSAGO from AlfaStrakhovanie, that makes the company's customers very happy.

Now any traffic police inspector has the opportunity to verify the data of the electronic policy with a scanner through the IMTS network of the Ministry of Internal Affairs or through the portal of motor insurers.

Since the data is entered almost instantly, bringing the driver to administrative responsibility under the current Code of Administrative Offenses of Russia is excluded. Moreover, the policy can be presented both in printed form and on the gadget.

How to extend OSAGO from AlfaStrakhovanie

The procedure, as the reviews show, is actually simple. The algorithm is as follows:

- register on the AlfaStrakhovanie portal and enter the number of the still valid OSAGO in the proposed window;

- go to the "Policies" tab and find yours. Next to it there is already a button "Buy E-OSAGO";

- wait a couple of minutes while the PCA website checks the data;

- check the email: it should contain a message about the possibility of purchasing a policy online and an application form that is proposed to be filled out;

- go back to the site. Near the current policy, the button "Pay E-CTP" appears. Choose the appropriate option;

- we make a transfer through any AlfaClick, Sberbank Online system or simply from a card;

- a new document is sent to your email. Moreover, as you can read in the reviews about OSAGO from AlfaStrakhovanie, this happens in the next half hour.

Required documents

The package for purchasing a policy is, in principle, standard:

- the identity card of the policyholder;

- originals of the vehicle registration documents (technical certificate, registration certificate, vehicle registration certificate, etc.);

- the rights of drivers included in the insurance;

- diagnostic card.

If the package of documents is incomplete, then judging by the reviews about OSAGO from AlfaStrakhovanie, the company has the right to refuse to issue a policy.

What is OSAGO calculator

OSAGO calculator from AlfaStrakhovanie is a universal tool with which any user can easily calculate the cost of a policy according to their data.

Schemethe standard one is used: the tariffs set by the Central Bank are multiplied by special coefficients.

At the minimum cost, owners of the following vehicle categories can purchase OSAGO insurance at AlfaStrakhovanie:

- cars (for legal entities);

- motorcycles, mopeds and ATVs;

- any vehicle (for citizens registered in Primorsky Krai, Samara, Novosibirsk, Sakhalin, Moscow and Kaliningrad regions);

- tractors and road construction machinery;

- C, CE and D, DE (except those providing regular services).

At the maximum rates, AlfaStrakhovanie has the opportunity to issue an OSAGO policy:

- individuals and individual entrepreneurs of any region minus those indicated above;

- owners of electric vehicles, as well as route vehicles;

- owners of passenger cars operating in the "taxi" mode.

Benefits

Calculator for calculating OSAGO from AlfaStrakhovanie offers:

- exact rates;

- the most simplified form for entering data;

- instant settlement;

- the ability to compare the cost of insurance with other companies.

Company internal rules

IC "AlfaStrakhovanie" has developed its own set of rules that are binding on both employees of the organization and its clients. Let's highlight the main ones:

- the possibility of purchasing an OSAGO policy at AlfaStrakhovanie online and in person atoffice;

- payment for the policy is made in one amount, installment is not allowed;

- the client receives the insurance policy within 24 hours after payment;

- insurance can have a limited list of drivers and unlimited;

- before concluding a contract, the company's specialists have the right to demand an inspection of the vehicle;

- insurance can be closed ahead of schedule in case of death of the owner, liquidation of the company, complete destruction of the vehicle, detection of false data, etc.;

- when making any changes, the company reserves the right to require an additional payment;

- early termination of the contract by the insurer is possible in case of sale of the vehicle or revocation of the license from the insurer;

- payment of compensation payments is carried out only after the provision of all required documents;

- the unused part of the insurance is returned to the client no later than 14 days from the date of registration of the application for termination.

Where can I buy an OSAGO policy from AlfaStrakhovanie (offices)

Representative offices of the company are located in more than 270 regions of Russia.

In the capital, you can find offices at:

- st. Shabolovka, 31, p. B;

- st. Zolotorozhsky Val, 11, building 38;

- st. Garage, 4.

St. Petersburg branches are waiting for customers at:

- Moskovsky prospect, 60;

- Line 11 of Vasilyevsky Island, 22.

Rostov-on-Don invites you to the office located on the street. Suvorova, 117/73, office. 402.