How to issue an electronic OSAGO policy? Insurance companies, instructions

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

Since the middle of last year, car owners have the opportunity to get an electronic OSAGO. This new method allows you to issue a document without queues and visits to the insurance company. The article discusses how to issue an electronic OSAGO policy and how it is convenient. Ways to obtain it will also be studied in detail.

Electronic OSAGO

A document received electronically has the same authority as a paper document. It can be presented anywhere you want. Electronic OSAGO insurance is issued directly via the Internet directly to the company, that is, on its official website. Car owners today can choose to make a purchase online or drive to the office and purchase a document in the usual way.

Electronic OSAGO insurance is information that a particular insurance company has concluded an agreement with the car owner, information about which is entered into a centralized database. Such a record guarantees the provision of services in the event of an accident oncommon grounds.

After a motorist has issued and paid for insurance, he receives an email with an attachment containing a policy. The document must be printed, and after that you should sign in the column provided for this. Although the latter is optional. The insurance company uses a digital signature to secure the document.

If you want to additionally insure civil liability, you should know that in electronic form this is possible only when the insurance policy was issued in a similar way earlier and its validity is expected to be extended.

The price of electronic or paper OSAGO is the same. Although the insurance agent's commission fee will not be taken into account when ordering electronically.

There are calculators that will help determine the cost of car insurance. It depends on the power of the vehicle, the age and experience of the driver, the locality in which the owner of the car is registered. For example, for a 22-year-old driver with about a year of driving experience, owning a car with a capacity of over 100 horsepower and living in Moscow, the cost in different insurance companies will vary from 14 to 16 thousand rubles. And for a car owner with the same set of data, but living in Khimki, the price of auto insurance will be about 13,800 rubles.

If we calculate the cost of such a service for a 50-year-old driver with thirty years of experience driving a vehicle with a capacity of up to 50 hp. s., living in Saratov, then the amount in thiscase will be no more than 4 thousand rubles.

Procedure for registration

Document received electronically is a new service of auto insurance companies. Many drivers are afraid of innovation and prefer the proven old way. However, very little is needed for electronic registration.

How to issue an electronic OSAGO policy step by step?

• Go to the official website of the UK.
• Fill out the proposed application with your details.
• Signature for an individual can be made electronically (using their account in the PF, that is, SNILS), and for a legal entity - an enhanced qualified digital version.
• After completing the registration, you need to wait until the data is loaded, the calculation and reconciliation of information with a single database will be performed. At this stage, if necessary, the system may request additional information.
• After that, you should pay for the policy in any convenient and familiar way for the client.
• Then go to the email, save the document and print it.

Be very careful when entering your details on the application. After all, if there are errors, typos and incorrect data in the policy, this may cause the payment of compensation in the event of an accident to be denied. And at best, the process of receiving a payment will be delayed.

The car owner chooses the method of document execution at his own request. There are no obligations in this case. Convenience forthe driver plays a paramount role here.

When filling out an electronic OSAGO, the price is chosen independently, depending on the duration of the insurance or the availability of additional services. Only insurance companies have the right to provide insurance for OSAGO in electronic form. No broker or agent can do this.

After the procedure is completed, the data of the car owner as an insured enters the information system of compulsory insurance. This system is automated. Thanks to her, in the future, the procedure for concluding a contract will be greatly simplified.

It is clear that when applying for insurance in this way, a vehicle inspection is not required.

What data is entered?

Before applying for an electronic OSAGO policy, prepare the following documents.

• Passport or other document that proves your identity.
• Documents for the car.
• Identification of the driver, as well as persons authorized to drive the vehicle.
• Diagnostic card on passing technical inspection.

All these data are available in electronic form, from where insurers receive relevant information. Therefore, if the technical inspection has not been passed, you will not receive a policy (although there are ICs that help in this matter). If among the list of persons included in the contract there is one who does not have a driver's license, the result will also be negative.

Authenticity

Fraud in our country, alas, is not uncommon. Scope of insurancesuch offenders are not spared. Forms are often forged, and the company's electronic OSAGO is even easier to falsify. How not to fall for the bait of scammers?

The traffic rules tell us that a driver must have a driver's license, a vehicle registration certificate, and an OSAGO insurance policy with him. If the traffic police inspector requires a policy, the driver must provide a paper printout of insurance.

Of course, the time will come when each traffic police car will have a terminal with which the inspector will be able to access the database in order to check the document for authenticity. But while this is not the case, the driver must have a paper equivalent of an electronic document.

There is a special system with which the car owner can check the authenticity of the policy on their own. After all, each insurance has its own unique number.

Insurance companies receive policy forms in PCA. Therefore, by entering the policy number into the database, you can make sure that the number matches the name of the insurance company. This method can be used not only by those who issued an electronic OSAGO policy. Rosgosstrakh is, "Reso", "Consent" or any other insurance company - it does not matter, as well as the method of registration. In other words, if the contract was concluded by the policyholder by his arrival at the office of any insurance company, authentication via the Internet in PCA is also possible.

Benefits for UK

When the innovation began to take effect, all ICs began to actively implement thissystem. It's easy to see how beneficial it is for insurers.

They can significantly reduce the staff. Reduced salary and commission costs. No need to strive to open new offices and so on.

Benefits for policyholders

But it's not just insurance companies that benefit from the new system. Car owners, in turn, receive the following preferences:

• No more need to go to the office, look for the right IC and listen to all the information from the agent.
• The policy is issued in a calm home environment, where the car owner himself makes the choice to purchase additional services or refuse them.
• This can be done at any time convenient for you and you do not have to devote several hours on purpose and take time off from work. A few minutes are enough in the evening, on a weekend, or at any other time when possible. After all, company websites, like the Internet, work around the clock.

Minor flaws

In addition to the obvious advantages, which cannot be challenged, as in any system, there are also disadvantages in obtaining electronic policies. Let's take a look at some of them.

• Many people simply prefer not to shop online.
• When ICs provide electronic services, there is no active advertising. Therefore, potential policyholders are deprived of information about the benefits of concluding a contract with a particular company.
• Small ICs are forced to significantly reduce the cost of services in order to enter the market. But in people it sometimes causes rejection and suspicion.

But all these shortcomings are not so significant.

Formality of the process

A more serious obstacle to the development of the service may be inconsistencies that occur when registering a service such as electronic OSAGO. VSK, Rosgosstrakh or any other company enter into an agreement based on the data on the documents.

It turns out, for example, that the inspection of a car becomes a formality. Many insurance companies provide an additional service, in which, after the policy is issued, an operator is offered to carry out the inspection procedure without making any claims, that is, simply to fix the record in the database.

Lack of equipment for traffic police officers

The traffic police inspector does not have special equipment to verify the authenticity of electronic forms. If the situation is stressful, this can contribute to a conflict between the driver and the guardian of the law. Everyone says that the electronic OSAGO policy (Rosgosstrakh, Soglasie, Reso, AlfaStrakhovanie and all other insurance companies) replaced the paper equivalent with an electronic signature. Therefore, some drivers, not having a paper version with them, refer to this inconsistency. At the same time, you should be aware that, despite the electronic signature, precisely because the traffic police officers are not yet able to verify this information, drivers are required to carry a paper equivalent with them. Otherwise, the person will be fined 500 or 800 rubles.

Formulation of the European protocol: what to do?

Questions also arise when drivers register an accident using the European protocol. The specified document and the method of registration of an accident are designed to improve the situation on the road and register a minor traffic accident without the participation of a traffic police inspector. At the same time, if one of the drivers has an electronic OSAGO, VSK for example, then how can another participant in the accident be sure of its authenticity? It turns out that the rule designed to simplify the procedure for registering an accident is completely lost in such cases.

Conclusion

Let's hope that such shortcomings will soon be resolved. After all, the ability to order electronic OSAGO insurance via the Internet is indeed very convenient. And this will certainly be appreciated by many motorists in the near future. Then it will make life easier not only for policyholders and insurers, but also for traffic police officers.

We examined how to issue an electronic OSAGO policy, we were convinced of its simplicity and many advantages of the system. Touched upon the shortcomings and pitfalls that are still present in connection with this innovation.

Based on the foregoing, each car owner decides for himself whether to stick to the old-fashioned policy or switch to electronic OSAGO. AlfaStrakhovanie, Rosgosstrakh, Reso, VSK, Soglasie and many other insurance companies are ready to provide this new service today.