The official website of the PCA was registered in 2002 along with the creation of the Russian Union of Motor Insurers organization itself. The main activity of the PCA is the interaction of insurers, government agencies, car owners and other interested parties in ensuring the current legislation in the field of compulsory auto insurance civil liability(OSAGO).
The need to create a RSA and its main information resource, the official website, was due to the introduction from July 1, 2003 in the territory Russian Federation a law providing for mandatory motor third party liability insurance for all drivers. At the time of its foundation, RAMI included 48 insurance companies of the Russian Federation. In the process of doing business, this figure changed depending on the number of companies working in the field of OSAGO.
The official website of the PCA has become especially relevant since 2017, when insurance companies selling “auto-citizenship” were required to develop and implement on their official websites a toolkit that allows customers to remotely purchase e-OSAGO electronic policies online. From that moment on, the Russian Union of Motor Insurers took on the responsibility of guaranteeing the sale of e-OSAGO to any motorist. The systems that allow this to be done are called the Single Agent and E-Garant.
As mentioned above, the E-Garant system was made to guarantee the implementation of compulsory auto insurance to all customers without exception. The reason for this was the fact that often insurance companies refused to sell an electronic policy to a client, explaining the situation with technical difficulties.
The introduction of the E-Garant system has solved most of the problems of Internet users who experience problems with purchasing insurance online. It is implemented as follows:
More details about buying OSAGO in the E-guarantor system are written in.
The bonus-malus ratio is perhaps the main adjustment indicator that affects the final cost of the policy. It is calculated individually for each driver based on the accident history of his driving. So, for a driver who has recently repeatedly got into an accident through his own fault, the cost of OSAGO will be much higher than for a more accurate car owner with an accident-free history. The calculation of KBM takes place according to a special and. Read more about the calculation of this coefficient in manual mode at the link above.
It is much easier to find out your current KBM on the official website of the PCA by making an online request to a constantly updated database:
With the ubiquity of e-OSAGO electronic policies, cases of fake insurance have become more frequent. To exclude the possibility of falling into the hands of fraudsters, you must adhere to one simple rule - use the official websites of insurance companies for purchases. In addition, you can use sites - the so-called online calculators, which calculate the cost of OSAGO for the same official companies. In the list of third-party reliable services, we can note:
All these sites operate under the secure https protocol and use a single principle: the user calculates the cost of OSAGO for all insurance companies at once, after which he can go to the official website of the insurance company and purchase e-OSAGO at the calculated price.
After the user has gone through all the stages of buying a policy, you can check its authenticity. This is where the PCA website comes in handy again.
If successful, the page will display information about the policy you are looking for. Otherwise, the service will issue an error indicating the reason.
The process of all the checks listed above is more detailed.
Another useful function of the official website of the PCA is the ability to calculate the cost of spare parts that are required for the implementation insurance recovery car under OSAGO.
22.03.17 101 246 1
The future has arrived.
Previously, to obtain OSAGO, you had to go to the office of the insurance company and draw up a paper policy. Since January 1, 2017, the government has obliged insurers to sell OSAGO via the Internet. New electronic policy called e-OSAGO, and it completely replaces paper. With electronic it is more convenient, but there is also a risk.
Evgeny Popkov
motorist
In this article, we will figure out how to buy e-OSAGO correctly, not fall for scammers and not overpay.
OSAGO is a compulsory insurance of civil liability of vehicle owners. put into action federal law No. 40-FZ of July 1, 2003 "On Compulsory Insurance of Civil Liability of Vehicle Owners".
OSAGO protects those injured in road accidents. The insurance company compensates for the damage that the culprit caused to other participants in the accident. Compensation is paid for harm to the life and health of the victims, as well as for damage to property - most often this is damage to cars.
OSAGO in Russia is mandatory for all car owners.
OSAGO policies in in electronic format must be issued by all insurance companies that have a license for compulsory civil liability insurance. If a company can sell OSAGO, it is obliged to sell its electronic version.
As of January 31, 2017, 70 companies in Russia are licensed for OSAGO. All of them are obliged to sell e-OSAGO. The current register is published on the website of the Russian Union of Motor Insurers.
The register of insurers changes over time: some companies may get the right to sell OSAGO or lose it. Before buying a policy, check if your insurer is on the register To issue an electronic OSAGO policy, you will need standard documents:
Why do you need a diagnostic card? She confirms that the car has passed a technical inspection and can be driven on the roads of the country.
You need to go through an inspection and receive a diagnostic card from the OTO - the technical inspection operator. You can view the register of accredited technical inspection operators on the PCA website.
The electronic OSAGO policy is issued on the website of the insurance company. It is best to access these sites from a single registry published on the site autoins.ru: there links lead directly to the necessary sections of insurers' sites.
Fraudsters spoof insurance company websites to sell fake e-OSAGO policies. Fake sites are completely copying appearance official websites of insurers and are located on domains that are very similar in name to the original ones.
To avoid getting to a fake site:
Sign up. To apply for e-OSAGO, you need to register on the insurer's website. When registering, you must provide an email address and mobile phone number.
If you are used to hiding your personal data on the Internet and enter the wrong mail and phone number, you will not be able to register a personal account on the website of the insurance company. And without it, you won’t be able to issue an e-OSAGO.
After you have confirmed your email address and phone number, you will get access to your personal account.
The personal account stores information on the car, owner and drivers. Your e-OSAGO policy will also be there. If necessary, you can always download it from your personal account and print it.
Fill out an application. The next step is to fill out an application for insurance in your personal account. It will be necessary to indicate the necessary information about the car, the owner and the drivers allowed to drive.
Provide only valid information. Enter information strictly as indicated in the documents: passport, driver's license, vehicle registration certificate, vehicle registration certificate and diagnostic card.
All the information that you provide in the application will be checked against the PCA database with what was indicated in the previous OSAGO policy. If the check reveals a discrepancy, then you will not be able to calculate the cost of insurance and issue an e-OSAGO policy.
Here is an example of a completed application:
It is better to choose the make and model of the car from the catalog, and not to drive it in manually
A common mistake in VIN e - instead of 0 (zero) indicate the letter O
If you have a limited list of drivers, then you need to provide data for each of them
Disable checkboxes to deselect options
Wait for the test results. When you fill out the application, the insurance company will check through the PCA database the data that you entered about the owner, car and drivers. This is necessary to find out the history of accidents that occurred through your fault, and to correctly determine the bonus-malus coefficient. Upon successful verification through the PCA database, the calculator will automatically calculate the cost of the OSAGO policy.
KBM is a coefficient that adjusts the cost of an OSAGO policy depending on whether the driver had an accident due to his fault. If there were no accidents, a discount is given for KBM. If there were accidents, then a surcharge is set for the KBM.
KBM is needed for drivers to strive for careful driving.
If the check through the PCA database did not pass, you will need to provide scanned documents to the insurance company:
Some companies ask you to send copies by e-mail, others offer to download them in your account on the site.
Verification of documents can take from 30 minutes to several days. After verification, the company will send you an e-OSAGO cost estimate and a link to the policy payment page by e-mail.
How much does e-OSAGO cost. The cost of an electronic OSAGO policy does not differ from a policy issued in paper form. In both cases, companies use the same tariffs and adjustment factors established by law.
Some companies will aggressively offer options to the policy. You are not required by law to buy them. Refusal of options will not affect the execution of the e-OSAGO policy in any way.
To refuse the imposed options, simply turn off the checkboxes in the required fields and continue with e-OSAGO registration.
To pay for the e-OSAGO policy in your personal account, you go to a secure page. You can pay bank card, in some companies - electronic money.
Before entering card details, make sure that the page is secure and that there is a lock sign in the address bar. Never enter payment information on sites that are not protected by a security protocol.
After payment, you will receive an electronic OSAGO policy in PDF format to the mail specified during registration. The policy is also saved in your personal account on the website of the insurance company, you can download it from there at any time.
An e-OSAGO policy with an electronic signature is equivalent to a paper policy The electronic OSAGO policy must be printed out and put in the car. This is required by the rules of the road. Otherwise, for driving without an OSAGO policy, you may be fined 500 rubles.
The traffic police inspector must check the fact that your liability is insured through a special resource in the IMTS network of the Ministry of Internal Affairs of Russia or the PCA service. To do this, you need a VIN number or registration plate of the car.
However, the inspector may still ask you to present a printed policy. In this case, keep the printout in the glove compartment. It is also helpful to have a copy of the policy on your phone or tablet.
The electronic OSAGO policy from the point of view of the law is no different from the paper version. It has a number, a series, and it contains all the necessary information for registering an accident.
If you have e-OSAGO, but you have not printed out and do not carry a policy with you, then in order to file an accident, you will need access to your personal account on the website of the insurance company. Make sure you always have a smartphone or tablet with Internet access at hand.
After you have issued and paid for the e-OSAGO policy, it is recommended to check its validity against the PCA database.
To check, go to the page of the service for viewing information about the OSAGO agreement. Enter the vehicle VIN and registration number. The result of a successful check is a report containing the policy number and company name.
If the data matched those indicated in your e-OSAGO policy, then everything is in order. Your policy is real If the policy data on the PCA database did not match yours or the check did not pass at all, then most likely you were sold a fake policy. Contact the insurance company on behalf of which the policy was issued to you.
You most likely will not be able to return the money for a fake policy. Write an application to the PCA with all the details of issuing a fake policy. At the very least, this will help block the scam site and save other motorists money.
And remember that you cannot drive with a fake policy. Therefore, first of all, issue a real OSAGO policy.
You can issue an electronic OSAGO policy through the PCA. The procedure using this method is carried out much faster, since it is not necessary to wait in line at the insurer's office. The main condition in this case is the availability of Internet access and the availability of information about the car and car owners on the official website of the PCA.
The legislator does not establish restrictions on who has the right to buy electronic OSAGO in RSA. This suggests that all citizens or organizations can purchase insurance through the resource in question. Citizens are required to:
Organizations must go through the registration process in government bodies, have a mark in unified register legal entities and register with the tax authorities.
The insured can independently choose an insurance company, that is, the appeal occurs to any company that carries out this type of activity. When applying, a contract is concluded, as well as the issuance of a policy. Obtaining the necessary information can be carried out using the website of the insurer. In addition, with the help electronic resource you can apply for e-OSAGO.
Currently, it is allowed insurance policy in electronic form through the website of the RSA. This requires access to the Internet. The right to conclude a contract in this way belongs to companies that have passed the licensing process for the implementation of insurance activities. The portal contains a list of companies that have the right to conclude an agreement http://www.autoins.ru/ru/e-Polis/rsa-members_e-Polis_resistration/.
RSA has been operating on the market for about 10 years. The union is represented as a non-profit company. The basic principle of functioning is the membership of the insurer in such an organization, if it implements auto insurance.
Now motorists draw up insurance documentation for a car without leaving home. The application is submitted to the company through the use of the Internet. The review is carried out in short term. The information contained in the application will be verified by checking with the information stored in the database of the Russian Union of Motor Insurers. When the submitted data is considered by the system as unreliable, the policyholder is sent an appropriate notification to the personal account and to email.
In addition to the fact that it is required to draw up and send an application, you must also submit copies of the documentation in electronic form. Copies reflect the same information as the original. The text should be easy to read.
In a situation where the policyholder has provided false data, the insurance company has the opportunity to recover from him the sums insured that were paid. When the data completely match those stored in the database, the insurance company sends the calculation of the insurance premium.
The transfer of funds is made according to the data that are reflected in the sent letter. After payment, the completed e-OSAGO form is sent to the email address specified by the policyholder. A motorist can print out the received document and take it with him in case the traffic police stop him and check the documentation.
The electronic version of insurance has the same power as the paper one.
When calculating the cost of an electronic policy, the tariffs in force in the insurance sector, as well as the accumulated coefficients, are taken into account. It should be noted that the insurance company does not have the right to adjust the amount of the established cost. Including insurers cannot independently calculate discounts, make gifts and carry out all kinds of promotions.
For the calculation, specially developed formulas are used, which reflect the coefficients and tariffs. At the state level, base rates are fixed, which are influenced by varieties vehicle, coefficients that increase or decrease depending on the conditions of insurance that were carried out earlier.
Questions and answers on the e-OSAGO policy
Checking KBM OSAGO takes no more than 20 seconds. The data is sent directly to the bases of the Russian Union of Motor Insurers on the specified date. This is important, because, firstly, when applying for a new policy in the insurance KBM, they will look at the start date of the new policy, i.e. it changes to the next day after the end of the current policy. Secondly, if you are included in a certain number of OSAGO policies, then when applying for a new insurance, they look at the coefficient in accordance with the last expired policy. Because of this, different meanings may exist on different days, keep this in mind.
The sale of policies through the PCA Single Agent was launched in mid-2020. This system is designed to solve the problem with the availability of registration of OSAGO insurance policies. Initially, the effectiveness of the program was tested in the nine most difficult regions, but later their number was increased to fourteen. Introduction single agent The PCA is temporary and it is possible that some areas may be excluded in the near future.
I wanted to extend the existing VSK policy, registered on the website, painstakingly filled out all the items - full name, passport data, registration, vehicle registration number, VIN of the car, data on all entered drivers, etc., attached all the documents - all checks were passed, I was calculated the sum insured 2 899.07. Great, it's small - it remains to enter the confirmation code for electronic signature applications for OSAGO and pay for the policy ...
The received electronic OSAGO policy must be printed out and carried with you when driving. An electronic OSAGO policy has the same legal force as an insurance policy issued on a strict accountability form at the insurer's office.
I note that when buying OSAGO, I miscalculated insurance policy cost in every second case. If we consider each of the cases separately, it seems that the manager just made a random mistake. In practice, however, such deception appears to be systematic.
People over 50 will experience discomfort when using them. For such owners, it is recommended to print the issued electronic policy and store it as usual or draw it up personally at the insurance company - it is forbidden to buy an OSAGO policy through various intermediaries.
For example, you can change your full name in case of their official change, the state license plate in case of receiving a new one, the series and number of the registration certificate of the vehicle, the series and number of the title, etc. in the case of replacing official documents with a vehicle in the traffic police.
How to avoid losing accumulated bonuses. The only way is to negotiate on the spot. It is advisable to take advantage of this opportunity in the event of a minor accident, when the cost of indemnification for a scratched bumper or fender is several thousand rubles, and the cost of increased insurance costs will be significantly higher. If the damage to the cars is serious, then you will have to draw up a full-fledged insured event, after which changes to the PCA database will be made without fail.
