The electronic policy after verification is sent to the e-mail of the applicant. After it is printed, the document can be presented photographed on a smartphone or tablet when checking.
Advantages of the project and its shortcomings identified
Main advantage electronic clearance OSAGO in 2017 - ease of registration and convenience. It is only necessary to have access to the Internet and vehicle data entered into the table. This service is especially convenient for residents. remote regions, where the offices of insurance companies are at a great distance. It was also important that when applying for an electronic policy it is impossible to impose Additional services often offered by insurers. The convenience of storing an electronic document in electronic or paper form is undeniable.
However, electronic registration cannot be issued for a new car, since registration insurance policy provides for registration marks. In the process of filling out an application for the issuance of an insurance policy, care is needed, since typos and errors in the document make it invalid. Another drawback is that not all traffic police officers have devices that check the authenticity of the policy, which is why a conflict situation may arise on the spot.
Difficulties when using the electronic system
In the event of an accident, misunderstandings may arise among its participants, since it will be difficult to verify the authenticity of insurance. It will be necessary to call the traffic police to the place. Insurance companies, in turn, also note that there is no single system that checks the data entered by users, hence the risk of using the system by fraudsters. The government has promised as soon as possible elimination of all shortcomings new system insurance arrangements. Will be created single base data and an algorithm for checking the information entered into the system. Between themselves Insurance companies regulate the interaction for data exchange in the event of a car owner transfer between insurance companies.
The newly issued electronic policies will be entered into a single accounting system, and authentication tools will also be improved. System implementation e-insurance will not only simplify the procedure for issuing policies, but also make it more accessible to all motorists.
| Vehicle owner | Individual Entity |
| Place of residence of the owner of the vehicle | Moscow cities and towns of the Moscow region. St. Petersburg cities and towns of the Leningrad region. Abakan Azov Aleksandrov Aleksin Altai region Almetyevsk Amursk Amur Region Anapa Angarsk Anzhero-Sudzhensk Apatity Arzamas Armavir Arseniev Artem Arkhangelsk Arkhangelsk region Asbest Astrakhan Astrakhan region Achinsk Barnaul Blagoveshchensk Balakovo Balakhna Balashov Bataysk Belgorod Belgorod region Belebey Belovo Belogorsk Beloretsk Belorechensk Berdsk Berezniki Berezovsky Biysk Birobidzhan Bor Borisoglebsk Borovichi Bratsk Bryansk Bryansk region Bugulma Buguruslan Budennovsk Buzuluk Buynaksk Velikiye Luki Veliky Novgorod Verkhnyaya Pyshma Verkhnyaya Salda Vladikavkaz Vladivostok Vladimir Vladimirskaya obl. Volgograd Volgograd region Volzhsky Vologda Vologda region Volgodonsk Volzhsk Volsk Vorkuta Voronezh Voronezh region Votkinsk Vyksa Vyshny Volochek Vyazma Gelendzhik Georgievsk Glazov Gorno-Altaysk Gubkin Gukovo Gus-Khrustalny Derbent Dzerzhinsk Dimitrovgrad Jewish Autonomous Region Yeysk Ekaterinburg Yelabuga Yelets Essentuki Efremov Zheleznogorsk Zabaikalsky Krai Zarechny Zarinsk Zelenogorsk Zelenodolsk Zlatoust Ivanovo Ivanovo Region Izhevsk Inta Irkutsk Irkutsk region Iskitim Ishim Ishimbay Yoshkar-Ola Kabardino-Balkar Republic Kazan Kaliningrad Kaliningrad region Kaluga Kaluga region Kamensk-Uralsky Kamensk-Shakhtinsky Kamyshin Kamchatka Territory Kanash Kansk Karachay-Cherkess Republic Kaspiysk Kemerovo Kemerovo Region Kimry Kineshma Kirov Kirov region Kirovo-Chepetsk Kiselevsk Kislovodsk Klintsy Kovrov Kogalym Komsomolsk-on-Amur Kopeysk Kostroma Kostroma region Kotlas Krasnodar Krasnodar Territory Krasnoyarsk Krasnokamensk Krasnokamsk Krasnoturinsk Krasnoyarsk region Kropotkin Krymsk Kstovo Kuznetsk Kuibyshev Kumertau Kungur Kurgan Kurgan region Kurganinsk Kursk Kursk region Kyzyl Labinsk Leninogorsk Leninsk-Kuznetsky Lesnoy Lesosibirsk Livny Lipetsk Lipetsk region Liski Lysva Magadan Magadan region Magnitogorsk Maykop Malgobek Makhachkala Mezhdurechensk Meleuz Miass Mineralnye Vody Minusinsk Mikhailovka Mikhailovsk Michurinsk Monchegorsk Murmansk Murmansk region Murom Mtsensk Naberezhnye Chelny Nazarovo Nazran Nalchik Nakhodka Nevinnomyssk Neryungri Neftekamsk Nefteyugansk Nizhnevartovsk Nizhnekamsk Nizhny Novgorod Nizhny Novgorod region. Nizhny Tagil, Novgorod region Novoaltaysk Novokuznetsk Novokuibyshevsk Novomoskovsk Novorossiysk Novosibirsk Novosibirsk Region Novotroitsk Novouralsk Novocheboksarsk Novocherkassk Novoshakhtinsk Novy Urengoy Norilsk Noyabrsk Nyagan Obninsk Ozersk Oktyabrsky Omsk Omsk region Orel, Oryol region Orenburg, Orenburg region Orsk Osinniki Otradny Pavlovo Penza Penza region Pervouralsk Perm Perm Territory Petrozavodsk Petropavlovsk-Kamchatsky Pechora Polevskoy Primorsky Territory Prokopyevsk Prokhladny Pskov Pskov Region Pyatigorsk Revda Republic of Adygea Republic of Altai Republic of Bashkortostan Republic of Buryatia Republic of Dagestan Republic of Ingushetia Republic of Kalmykia Republic of Karelia Republic of Komi Republic of Mari El Republic of Mordovia Republic of Sakha (Yakutia) Republic of North Ossetia-Alania Republic of Tatarstan Republic of Tyva Republic of Khakassia Rzhev Roslavl Rossosh Rostov-on-Don Rostovskaya region Rubtsovsk Ruzaevka Rybinsk Ryazan Ryazan region Salavat Salsk Samara Samara region Saransk Sarapul Saratov Saratov region Sarov Satka Safonovo Sakhalin region Sayanogorsk, Sverdlovsk region Svobodny Severodvinsk Severomorsk Seversk Serov Sibay Slavyansk-on-Kuban Smolensk Smolensk region Solikamsk Sochi Spassk-Dalniy Stavropol Stavropol Territory Stary Oskol Sterlitamak Surgut Syzran Syktyvkar Taganrog Talnakh Tambov Tambov Region Tver Tver region Timashevsk Tikhoretsk Tobolsk Togliatti Tomsk Tomsk region Troitsk (Chelyabinsk region) Tuapse Tuimazy Tula Tula region Tulun Tyumen Tyumen region Udmurt Republic Nodal Ulan-Ude Ulyanovsk Ulyanovsk region Usolye-Sibirskoye Ussuriysk Ust-Ilimsk Ust-Kut Ufa Ukhta Khabarovsk Khabarovsk region Khanty-Mansiysk Khasavyurt Tchaikovsky Chapaevsk Chebarkul Cheboksary Chelyabinsk Chelyabinsk region Cheremkhovo Cherepovets Cherkessk Chernogorsk Chechen Republic Chistopol Chita Chuvash Republic Chukotka Autonomous Okrug. Chusovoi Shadrinsk Shelekhov mines Shuya Shchekino Elista Engels Yuzhno-Sakhalinsk Yurga Yakutsk Yaroslavl Yaroslavl region Yartsevo foreign state Go to the place of registration |
| Vehicle use period | 10 months or more 9 months 8 months 7 months 6 months 5 months 4 months 3 months 10 months or more 9 months 8 months 7 months 6 months Not required |
| Vehicle type | Passenger cars Passenger cars used in taxis Motorcycles and motor scooters Trucks with a permitted mass up to 16 tons incl. Trucks with a permitted mass of more than 16 tons Buses with up to 20 passenger seats incl. Buses with more than 20 passenger seats Buses used in taxis Trams Trolleybuses Tractors, road-building and other machines Trailers for passenger cars Trailers for trucks Trailers for tractors, road-building and other machines |
| Vehicle engine power | Up to 50 hp inclusive From 50 hp up to 70 hp inclusive From 70 hp up to 100 hp inclusive From 100 hp up to 120 hp inclusive From 120 hp up to 150 hp inclusive From 150 hp Not required |
| Age and experience | Unlimited Age up to 22 years, experience up to 3 years Age up to 22 years, experience over 3 years Age over 22 years, experience up to 3 years Age over 22 years, experience over 3 years Not required |
| The contract is concluded | First time Second time Third time Fourth time Fifth time Sixth time Seventh time Eighth time Not required |
| OSAGO policy price: |
Modern information access technologies reduce the need for the circulation of paper documents. Habitual insurance policies have found an electronic form. This does not mean a complete rejection of paper counterparts, but the check of policies by traffic police officers is carried out in a different way. Let's describe how to electronic policy OSAGO.
The validity of a document is checked by defining an entry in the database registry.
If necessary, an electronic OSAGO policy can be printed or its image can be transmitted by all means of communication.
This possibility is provided for in Art. 15 of the Law on OSAGO No. 223-FZ, dated July 1, 2015
E-policy has the same structure as a paper document.
In order to issue an electronic OSAGO policy online, the car owner needs:
After purchasing the policy, the document file is sent to the e-mail of the car owner. AT personal account of the buyer, all copies of policies ever issued will be stored on the IC website.
Attention! If you need an electronic OSAGO policy of the usual type, it will be sent to the specified address - for this the service is paid additionally.
Although the electronic policy is unusual for most Russians, they will be able to appreciate the obvious advantages of such a document:
Flaws:
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.
Where to apply for an electronic OSAGO policy? All insurers for the sale of OSAGO must have open special services. The most convenient way to access them is through the Internet portal of the Russian Union of Motor Insurers.
Attention! The Central Bank introduced strict control over the work of the services of insurance companies for the sale of OSAGO. Before buying an OSAGO policy, it is better to familiarize yourself with the one that provides them.
All service and technical work must be carried out at night from 10 pm to 8 am, and users must be warned about this 24 hours in advance. For each justified complaint of the CMTPL buyer, the company will be punished with a fine.
Among these companies:
Important! Theoretically, a resident of any region can purchase such an OSAGO policy, but in practice, companies do not insure those areas where they do not have open branches.
To buy an electronic OSAGO policy, you will need to enter information from the following documents into the information base:
Important! The IC does not need original documents. For registration, only information about them will be needed, therefore, copies of documents or scanned images are sufficient to enter data.
All data entered in the application template will be automatically checked against electronic registers during the sale. If a record appears stating that the information does not pass verification, check the entered data again.
Attention! Before proceeding to the e-policy purchase procedure, it is necessary to determine the situations when it is impossible to do so. This is due to the procedure for automatic verification of the data entered in the application for the sale of the policy with the PCA information database with records of previously sold OSAGO.
The system will not skip a sale if:
Since 2016, new car insurance rules have been in force - Article 37 of the Code of Administrative Offenses. It is expected that it will be easier to conclude an agreement with an insurance company if you use the instruction of the Central Bank of Russia No. 36448-U dated May 24, 2015. The document contains the rules on how to issue an electronic OSAGO policy.
We remind you that the owner of the vehicle is allowed to drive without OSAGO for 10 calendar days.
During this time you need:
The term of the OSAGO policy has expired, but it has not been reissued - it is possible big problems not only in the form of a fine. In case of an accident, the damages are paid by the person responsible for the accident, if his vehicle is not insured. Today, a new document can be issued quickly electronically. A driver's lack of time or money is not a good reason not to get insurance.
So what you need to know:
The cost of insurance can be reduced if the vehicle is not used in winter.
It is allowed to insure a car before its registration with the traffic police. After registration, it is necessary to provide new data to the insurer - 3 days are given for this.
The driver has two options to purchase OSAGO:
The insurance takes effect immediately if payment is made in cash to the cashier of the company, the next day, by bank transfer.
Since July 2016, a single sample of electronic insurance document- the form that Gosznak is now producing. Replacing old forms with new ones will be carried out in all regions of the Russian Federation.
It is allowed to draw up a car insurance contract in a company from the PCA list that has a sample insurance certificate and OSAGO forms. If the car owner came for the policy for the first time, he must provide information about the car:
You must provide personal documents:
In what form the documents will be accepted, the employees of the company and the owner of the vehicle decide.
Acceptable options are electronic and paper (copies).
When the contract is concluded with the former insurer, or a replacement of the previous certificate is needed, it is possible not to submit documents for which insurance was previously obtained. The insurer is obliged to check the authenticity of all documents using an electronic database, and only if the check is successful, he is allowed to conclude a contract. If other drivers need to be entered in the certificate, their documents are transferred to the insurer for verification.
The contract is concluded - 2 forms of notification of an accident and a list of representatives of the insurer are issued. You need to get information about them: address, phone numbers, working hours.
Auto insurers, since 2015 switched to new order issuance of OSAGO using the traffic police information base. RSA employees can now get information about any vehicle in in electronic format check the conditions under which the contract was concluded. Positive information has been received - the cost of insurance services will be optimal for the insured. If the insurance policy is used by a driver who has traffic violations, then the PCA allows insurers to issue insurance in a simplified form, when losses to the insured are not fully reimbursed. The calculation of insurance payments is carried out according to a special program. The car owner is allowed to control it.
On the onset insured event First, compensation is paid for the damage to life and health, then property losses are paid.
The right to issue insurance in electronic form has been granted to car owners since October 2015. The insured chooses an insurance company, and opens a driver's personal account on the official website of the insurer. The access code can be received by e-mail or mobile phone.
Further communication between the policyholder and the insurer takes place in the same way as during a personal appointment, but only online. Document numbers are reported, an application is filled out, the cost of insurance is calculated using the calculator located on the website. Previously, in the application submitted, it was required to enter the SNILS number. Now they do not require to make an entry about SNILS.
The information is checked by AIS of insurers, then the contract is sent to the insured. You must enter your username and password as a signature. After paying for the contract, the details of the insurance certificate and the period until which it is allowed to use the policy are reported.
RSA is developing a program that allows you to quickly, using the online mode, check the availability of OSAGO insurance with any car owner. It is believed that this will reduce the number of accidents. 
After it was allowed to receive OSAGO insurance via the Internet, it turned out that the exact date from which the driving experience is counted must be entered in the questionnaire. At this point, special attention should be paid, because when buying insurance in the form of an electronic document, driving experience is important. The driver who received from the traffic police a new driver's license, the column "Special marks" contains only the year, for example "experience since 2000".
The press center of the PCA published an explanation - you can put the date on December 31. This will not be considered an error and the verification of information submitted via the Internet will be successful. The insurance policy will be calculated for the "age-experience" coefficient equal to 1, and the cost of insurance will not increase. Similarly, questionnaires are filled out for other drivers who are allowed to use the car - you just need to check their personal data against the original documents.
For driving a vehicle in the absence of OSAGO insurance, various forms of punishments are provided - a warning, a fine. The cost of a fine is from 500 to 80,000 rubles.
The smallest fine for a driver is 500 rubles for insurance forgotten at home. The same amount should be paid for a driver who is not included in auto insurance. For the decision to travel during the period not contractual- punishment also 500 rubles. They forgot to renew the insurance with the RSA employees - you have to pay 800 rubles.
If it is found that the policy is fake, the traffic police will not deal with it for a long time. The law imposes a fine of up to 80,000 rubles. If the driver is suspected, and they decide that he made a fake policy, then the guilty person faces six months of arrest under the Criminal Code of the Russian Federation. According to statistics, the largest number of fakes are found among documents executed electronically. Since 2016, the punishment in the form of a ban on the operation of a car has not been used.
Last update: 12/02/2019
Good afternoon, dear readers of the financial magazine "site"! Today we will talk about the electronic OSAGO policy: how to apply for it online and where to buy e-OSAGO insurance on favorable terms .
From this article you will learn:
In it, the reader will also find answers to the most popular questions related to online insurance.
This service is of interest to all owners and drivers of vehicles. Simplicity and convenience of design can attract the attention of even the biggest skeptics of the introduction of automated systems.
How to issue an electronic OSAGO policy is profitable, fast, just read right now!
We will tell you in this issue what is an electronic OSAGO and what it is for, how to buy insurance online and where to apply for an electronic OSAGO policy.
All citizens of the Russian Federation who own motor vehicles are required to have an OSAGO policy. Driving without compulsory insurance threatens to impose a fine from 500 to 800 rubles (please specify the relevance of the amount of the fine in addition). The policy must always be kept next to the rights and documents for the vehicle.
Important! Even during a short trip, unforeseen circumstances may occur, the OSAGO policy will protect the driver from serious problems.
Motor third party liability insurance includes protection property interests car owners from risk causing harm to health, life and property of third parties when using the vehicle. The OSAGO policy is valid on the territory of the Russian Federation.
For example: The owner of a Zhiguli car drove into a Mercedes car. The owner of an expensive car should not worry about the lack of Money at the culprit of the accident. Repair of the car will be reimbursed by the owner's OSAGO insurance of the Zhiguli.
Insurance companies that have the right to carry out compulsory insurance Vehicle must be licensed to do so. Issuing insurance or owner or driver auto. Starting from 2017 all insurance companies are required to provide electronic policies at the request of customers.
You can read full information about OSAGO insurance in the article "How to calculate the cost and where to buy and what is".
From April 2017 new rules for the payment of indemnities by insurance companies come into force. Specific conditions for the provision of monetary compensation or payment for the repair of damaged vehicles have been established.
The monetary compensation is paid only in case of complete destruction of the car, in the case when the amount of compensation more than 400 thousand rubles., the death of the victim or the receipt by him of a disability of the first or second group.
Repairs can only be carried out in companies recommended by the insurance company.
The law establishes a minimum warranty period for repair work — 6 months, the repair period is set at 1 month. The insurance company is responsible for the quality of the repair and the timing of its implementation.
For two years, car owners have been given the opportunity to purchase an insurance policy via the Internet.
In this case, there are two ways to issue an OSAGO policy:
The pole number is registered in the electronic databases of the Ministry of Internal Affairs and in the database of the Russian Union of Motor Insurers. The insurance company must be an officially registered member of the PCA. This reduces the chance of forgery and fraud.
We also wrote about car insurance in a separate article at the link.
Development electronic document management makes the electronic OSAGO policy in demand not only in large cities of Russia, but also in distant provinces. If earlier car owners in small settlements preferred an e-policy on standard forms, now you can more often see a policy issued via the Internet.
Experts predicted that in a few years electronic policies will completely replace standard forms.
Consider the positive aspects of issuing e-policies:
Electronic insurance is certified electronic signature sent with the Policy.
Good to know: To distribute the service, many insurance companies provide bonuses and benefits for customers who have issued an electronic policy. In addition, customers save on the payment of commissions to insurance agents.
In addition to the advantages, there are also negative aspects in the use of electronic poles:
Despite the presence of negative aspects, the service of registration of electronic poles remains in demand and promising. This is confirmed by statistics: in the 4th quarter of 2017, twice as many e-OSAGOs were issued as compared to the same period last year.
Since 2017 of the year the sale of an electronic insurance policy for OSAGO is carried out in without fail by all accredited insurance companies. They are obliged to ensure the uninterrupted and uninterrupted operation of the official websites. Technical breaks on sites in total terms should not be more than 4 hours per month.
Important! If the site does not work, the client is automatically redirected to another insurance company. Responsibility and control over the execution of government orders are assigned to the Central Bank of the Russian Federation and the RAMI.
Companies can accept e-mail applications and send out insurance to customers or install special services for issuing electronic policies.
The scheme for obtaining an electronic OSAGO policy:
All information enters the PCA database, where it is checked and changes are made about the purchase of insurance.
We have described in more detail about the issuance of the policy in the section below.
The main point in deciding to use this service is the choice of an insurance company. You need to find a reliable, solvent company.
So, when choosing an insurance company, experts recommend paying attention to the following points.
All insurance companies are required to have a license to carry out their activities. Official organizations are in the register on official portal ROSSTRAKHNADZOR. In addition, a copy of the license must be available on the official website of the company.
It is worth choosing a company registered in the Russian Federation. Otherwise, you can be left without a policy and money.
The higher financial stability company, the more solvent and reliable it is. So, there will be no problems with the payment of damages.
The main indicators of the company's success are the size of the authorized capital and reserve funds.
For example, with the established minimum authorized capital threshold for insurance companies in the amount of 30 million rubles, the authorized capital of ROSGOSSTRAKH is 18.5 billion rubles, SOGAZ 25 billion rubles, INGOSSTRAKH 17.5 billion rubles.
These criteria are important indicators company work. They are located on the public websites of agencies and are decisive for the rating.
The stability of the company depends on the indicator of the level of payments. Information on the number of premiums received and amounts paid is available on the official websites of companies and on the portals of agencies involved in the analysis of organizations.
Availability a large number of clients speaks about the success of the company, about the quality of fulfillment of the obligations assumed.
To assess the degree of reliability, insurance companies are assigned a “Reliability Rating”. It is assigned rating agencies. To date, the most popular agency is Expert RA. highest level reliability is considered class A ++, very high A +, high A.
Studying reviews helps to make a choice in terms of customer service, speed of payments, reasons for refusals. It is good when there is an opportunity to hear feedback from real people (acquaintances, friends) who have already encountered insurance companies.
Important analyze both good and negative reviews on thematic forums, their presence and quantity. Even a subjective opinion can help make a choice in favor of a particular company.
The success of the company is confirmed by its big name.
Step-by-step instructions: how to quickly issue an electronic OSAGO insurance policy
Consider the procedure for issuing e-OSAGO step by step:
You need to select a company and go to its official website in the section "Issue an electronic OSAGO policy".
Login to your personal account is possible only for registered users. In some companies, it is possible to access the "insurance" website through the public services portal.
The registration process is simple: the system prompts you to fill out a form, which contains contact details, number mobile phone, it is required to confirm the identification code. After entering the received confirmation code, the client gets access to the closed section of the platform.
Fill out all forms and applications for registration. The website has forms. online statements, which contain information about the owner of the car, its characteristics, drivers. The client is responsible for the correctness and completeness of the information provided.
The following documents are required to obtain insurance:
In addition, an e-mail is required, where the package of documents will be sent, and Bank card to pay for insurance.
Any citizen who has reached the age of 18 and has a driver's license has the right to take out insurance.
The insurance company checks the questionnaire through the PCA. The database contains information about previously issued OSAGO policies, the presence of accidents, and other information that affects the calculation of the coefficient that determines the cost of insurance.
Verification takes a few minutes, after that, the client is offered the amount for payment. Payment is made using a bank card.
All the necessary documents are sent to the policyholder's email address, their duplicate will be available in the personal account on the website of the insurance company.
The policy is printed, it must be in motor vehicle. If desired, it is possible to order a policy on a standard form, it will be sent by mail. Shipping costs are paid by the insured.
Good to know: Each traffic police inspector must have access to the databases of the Ministry of Internal Affairs of the Russian Federation, in order to be able to check the policy, regardless of how it is issued.
To get a quality service, you need to choose a reliable insurer.
| Name | Reliability Rating | Authorized capital | Main advantages |
| 1. Rosgosstrakh | A++ | 8.1 billion rubles | Accepts for insurance any vehicle with the presence of technical inspection. |
| 2. SOGAZ | A++ | 25 billion rubles | It is a leader in the auto insurance industry. |
| 3. Alfastrakhovanie Group | A++ | 11.8 billion rubles | Great experience, availability of services, speed of registration. |
| 4. Ingosstrakh | A++ | 2.5 billion rubles | Availability of related e-CASCO insurance programs. |
| 5. Tinkoff Insurance JSC | A++ | 6.7 billion rubles | A young advanced bank engaged in the development of Internet technologies. |
| 6. "RESO-Guarantee" | A++ | 3.1 billion rubles | Fast payment for insurance cases. |
| 7. CJSC "VSK" | A++ | 3.2 billion rubles | High quality and reliability of the services provided. |
| 8. "MAX" | A++ | 5.8 billion rubles | Prompt fulfillment of obligations. |
The company has been operating for more than 20 years and is the legal successor of the RSFSR GOSSTRAKHA. The blocking stake is held by the state. The market share is 26 % .
In the company it is possible to insure any transport in the presence of technical inspection. There are no increasing coefficients for the length of service and age of car drivers. The percentage of refusal on payments is 3.4%.
The company guarantees the availability, convenience and reliability of the services provided.
Works for financial market since 1993. It is one of the largest Russian insurance companies. It occupies a leading position in auto insurance. Market share 4,6 % .
Electronic OSAGO insurance from SOGAZ provides insurance coverage to the car owner in the event of an accident that occurred through his fault, and guarantees the coverage of expenses to third parties. The percentage of refusal on payments is 6.6%.
The insurance group occupies one of the leading positions in the auto insurance market.
The company has been operating in the financial market for more than 20 years, has the highest reliability rating A++, has more than 250 representative offices in different cities of Russia, and has about 25 million customers.
Ranks 4th among the largest insurers in the Russian Federation, with a market share of 5,8 % . The Alfastrakhovanie company is one of the first to start issuing e-OSAGO. The reliability and stability of the company guarantees the execution of electronic insurance quickly and efficiently.
An electronic OSAGO policy can be bought around the clock. The percentage of refusal on payments is 2.2%.
The company has been operating in the financial market for over 60 years. A++ rating. Market share 10,7 % .
Engaged in various types of insurance, has high percent payments. The team consists of professionals who are able to provide timely assistance and advice.
When applying for e-Casko, accompanying insurance programs are offered.
The percentage of refusal on payments is 3.8%.
A young and very promising company that is successfully developing and occupies one of the leading positions in the insurance market.
He is heading towards the introduction of automated CASCO registration, provides a policy by e-mail or sends it to the house by registered mail at the request of the client. Provides the opportunity to issue without the participation of intermediaries.
Works in the financial market for over 15 years. The main activity is auto insurance, so there is a guarantee of settling insured events quickly and efficiently. Priority considers e-CASCO, does not allow failures in the program, you can get a policy simply and quickly. Market share 13,4 % . The percentage of refusal on payments is 1.8%.
The company has more than 850 offices and representative offices, which makes its services available and in demand.
25 years of experience guarantees a quality service. The company provides both home and insurance services. movable property(transport). The company won the National Award "Company of the Year" twice. Market share 8,9% .
The company is characterized by the high quality and reliability of the services provided. 24/7 consultations. The percentage of refusal on payments is 2.1%.
It has been operating since 1992. The obligations assumed are strictly fulfilled, full financial responsibility, a guarantee of an individual approach to each client. Serves more than 30 million individuals.
Occupies 2,5 % insurance market, has low interest refusals on payments - 5.7%.
Be careful when applying for electronic OSAGO insurance - tips on how not to run into scammers
In connection with the increase in prices for policies, scammers who want to make money on the deception of policyholders have become more active. Scammers and scammers offer policies at a reduced cost.
Important to remember! Estimated coefficients are set by federal structures. Insurance companies determine only the base rate.
Experts suggest following the following tips to avoid getting scammed online:
The main criterion for choosing an insurance company is its reliability and stability. Large companies can provide discounts and bonuses to their clients. Their value is not more than 10% of the insurance amount. Therefore, when offering to buy insurance at a price that is 2 times less than the minimum, it becomes clear that this is a simple "scam".
For an approximate calculation of the cost of an OSAGO policy, we recommend using our calculator:
Owner
Vehicle type
Motorcycles, mopeds and light quadricycles (Cat. A, M) Passenger car (Cat. B, BE) Passenger car: taxi (Cat. B, BE) Truck (up to and including 16 tons) (Cat. C, CE) Truck (more than 16 tons) (cat. C, CE) Bus (up to 16 seats inclusive) (cat. D, DE) Bus (more than 16 seats) (cat. D, DE) Fixed-route taxi (cat. D, DE) Trolleybuses Trams Tractors, self-propelled road-building and other machines
Will it be used with a trailer?
Place of registration
Moscow Moscow region St. Petersburg Leningrad region Barnaul Biysk Zarinsk, Novoaltaisk, Rubtsovsk Other cities and towns Blagoveshchensk Belogorsk, Svobodny Other cities and towns Arkhangelsk Severodvinsk Kotlas Other cities and towns Astrakhan Other cities and towns Baikonur Belgorod Gubkin, Stary Oskol Other towns and towns Bryansk Klintsy Other towns and settlements Vladimir Murom Gus-Khrustalny Other cities and settlements Volgograd Volzhsky Kamyshin, Mikhailovka Other cities and settlements Cherepovets Vologda Other cities and settlements Voronezh Borisoglebsk, Liski, Rossosh Other cities and settlements Birobidzhan Other cities and settlements Chita Krasnokamensk Other cities and towns Ivanovo Kineshma Shuya Other towns and towns Irkutsk Shelekhov Angarsk Usolie-Sibirskoye Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo Other towns and towns Nalchik, Prokhladny Other towns and towns Kaliningrad Other towns and cities Localities Obninsk Kaluga Other cities and towns Petropavlovsk-Kamchatsky Other towns and towns Karachay-Cherkess Republic Kemerovo Novokuznetsk Belovo, Berezovsky, Osinniki, Prokopyevsk, Mezhdurechensk Anzhero-Sudzhensk, Kiselevsk, Yurga Other towns and towns Kirov Kirovo-Chepetsk Other towns and settlements Kostroma Other cities and settlements Krasnodar, Novorossiysk Anapa, Gelendzhik Armavir, Sochi, Tuapse Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kuban, Timashevsk, Tikhoretsk Other cities and settlements Krasnoyarsk Zheleznogorsk, Norilsk Achinsk, Zelenogorsk Kansk, Lesosibirsk, Minusinsk, Nazarovo Other cities and towns Kurgan Shadrinsk Other cities and towns Kursk Zheleznogorsk Other cities and towns Leningrad Region Lipetsk Yelets Other cities and towns Magadan Other cities and towns Moscow Region Moscow Murmansk Severomorsk Apatity , Monchegorsk Other cities and towns Nenets Autonomous Okrug Nizhny Novgorod Balakhna, Bor, Dzerzhinsk Kstovo Arzamas, Vyksa, Sarov Other cities and towns Veliky Novgorod Borovichi Other towns and towns Novosibirsk Berdsk Iskitim Kuibyshev Other towns and towns Omsk Other towns and towns Orenburg Orsk Buguruslan, Buzuluk, Novotroitsk Other cities and towns Orel Livny, Mtsensk Other cities and towns Penza Zarechny Kuznetsk Other cities and towns Perm Berezniki, Krasnokamsk Solikamsk Lysva, Chaikovsky Other towns and towns Vladivostok Arsenyev, Artem, Nakhodka, Spassk- Dalniy, Ussuriysk Other cities and towns Pskov Velikiye Luki Other cities and towns Republic of Adygea Gorno-Altaisk Other cities and towns Ufa Sterlitamak, Tuymazy Blagoveshchensk, Oktyabrsky Ishimbai, Kumertau, Salavat Other towns and towns Ulan-Ude Other cities and towns points Buynaksk, Der Bent, Kaspiysk, Makhachkala, Khasavyurt Other cities and towns Malgobek Nazran Other cities and towns Elista Other cities and towns Petrozavodsk Other cities and towns Syktyvkar Ukhta Other cities and towns Simferopol Other cities and towns Volzhsk Yoshkar-Ola Other towns and settlements Ruzaevka Saransk Other cities and settlements Yakutsk Neryungri Other cities and settlements Vladikavkaz Other cities and settlements Kazan Naberezhnye Chelny Almetyevsk, Zelenodolsk, Nizhnekamsk Elabuga Bugulma, Leninogorsk, Chistopol Other cities and settlements Kyzyl Other cities and settlements Abakan, Sayanogorsk, Chernogorsk Other cities and towns Rostov-on-Don Bataysk Azov Mines Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog Other cities and towns Ryazan Other cities and towns Samara Tolyatti Chapaevsk Novokuibyshevsk, Syzran Other city a and settlements St. Petersburg Saratov Engels Balakovo, Balashov, Volsk Other cities and towns Yuzhno-Sakhalinsk Other cities and towns Yekaterinburg Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk Verkhnyaya Salda, Polevskoy Asbest, Revda Other cities and towns Sevastopol Smolensk Vyazma, Roslavl, Safonovo, Yartsevo Other cities and towns Kislovodsk, Mikhailovsk, Stavropol Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk Other towns and towns Tambov Michurinsk Other towns and towns Tver Vyshny Volochek, Kimry, Rzhev Other towns and settlements Tomsk Seversk Other cities and settlements Tula Uzlovaya, Shchekino Aleksin, Efremov, Novomoskovsk Other cities and settlements Tyumen Tobolsk Other cities and settlements Izhevsk Votkinsk Glazov, Sarapul Other cities and settlements Ulyanovsk Dimitrovgrad Other cities and settlements Khabarovsk Komso
Engine power
up to 50 inclusive from 50 to 70 inclusive from 70 to 100 inclusive from 100 to 120 inclusive from 120 to 150 inclusive over 150
Number of admitted persons
Driver age
16-21 22-24 25-29 30-34 35-39 40-49 over 49
Driving experience
0 1 2 3-4 5-6 7-9 10-14 over 14
KBM class
Previously not insured M 0 1 2 3 4 5 6 7 8 9 10 11 12 13
Term of insurance
1 year 9 months 8 months 7 months 6 months 5 months 4 months 3 months
Period of use per year
10 months or more 9 months 8 months 7 months 6 months 5 months 4 months 3 months
Gross violations of insurance conditions?
Base rates
Insurance payment
₽
If you are offered the cost of OSAGO insurance significantly lower than in the calculator above, then you should be wary and recalculate all the criteria in the policy again.
The insurer can be assessed by prevalence in the territory of the Russian Federation. Solid companies with a number of offices and representative offices throughout Russia, do not engage in fraudulent activities. Here the probability of falling into the hands of scammers is small.
The stability of the work of the insurance group, the share of failures in the payment of insurance claims are taken into account.
Documents, when applying for an electronic policy, are sent to the e-mail of the insured. It is necessary to check the presence of all required documents sent during the registration of e-OSAGO.
Important! The absence of at least one of the documents can lead to the nullity of the transaction and the receipt of a fine for driving without compulsory insurance.
The set of documents must contain:
You can check the authenticity of the insurance by going to the official website of the PCA, entering the number of the OSAGO e-policy in the search. The status of the policy will be checked automatically.
If it is valid, there is nothing to worry about, otherwise - following the saying " miser pays twice”, you will have to issue a policy again, only in a reliable company.
Since 2017 any accredited insurance company is required to have a working official website with the possibility of issuing an electronic OSAGO. AT contact information phone numbers for consultation should be provided. If the site has a dubious interface, irrelevant information is presented, phones do not answer, it is better to opt for another insurer.
To be sure of the right choice, you can use third-party assistant services. Such platforms have been created, among other things, to facilitate the search for insurers for clients applying for e-OSAGO.
The insured has the following options:
The services of such sites are usually free. To access information, you must register. After specifying the type of insurance, the client gets the opportunity to calculate the cost of e-OSAGO in several companies at once.
Attention! In connection with the demand for the service, websites appeared - clones, which duplicate the official websites of insurance companies in terms of interface. In order not to run into scammers, you can call hotline insurance company.
Checking the address security of the site will also confirm the existence of the insurer. Resources without the prefix " https://» are considered weakly protected, and you should not enter personal data on them, since there is a high probability of theft.
You can check the authenticity of the electronic OSAGO by calling the contact phone numbers presented on the company's website. Having named the policy number to the manager, ask him to check its presence in the register.
If the representative of the insurance company confirms the existence of the policy, then everything is in order.
In terms of eligibility, both types of policy have the same legal force. The appearance of the poles is also identical, the difference lies in the absence of security marks on the electronic pole, they are simply not needed. The policyholder's data is entered in a single register located in the RSA and IMTS of the Ministry of Internal Affairs of the Russian Federation. They are on the official websites of these organizations, and where each traffic police officer can check any car owner for insurance.
The advantage of issuing an electronic policy is that scammers easier and faster to fake paper version of insurance since it is more difficult to fake an electronic one.
The traffic rules indicate the requirement to have OSAGO insurance for possible presentation to the traffic police officer. In connection with the possibility of issuing an electronic policy, such need fell away .
Through the database of the PCA or the Ministry of Internal Affairs, a law enforcement representative checks the availability of insurance by the policy number or by the individual identification number (VIN) of the vehicle.
Useful advice: To avoid misunderstandings, it is better to print out an electronic policy and attach it to the documents for the car. This is especially true for territories far from the center, where traffic police officers trust paper more.
In the absence of the Internet, a law enforcement representative can call the nearest traffic police station in order to check the availability of insurance by the policy number or by the VIN of the car.
After the e-insurance system is fully developed, the need to have a paper document with you will disappear by itself.
Electronic registration of insurance is beneficial for both parties to the transaction. For insurers, there is no need to maintain a large staff of employees, train them, rent space for offices, and so on.
Registration of e-OSAGO takes place without intermediaries who need to pay an additional commission for the transaction. Many major insurance companies provide customers with additional discounts and bonuses when working with them over the Internet.
There is a significant time saving. To issue a policy, you do not need to go to the company, stand in line, listen to various additional information from insurance agents.
To obtain standard insurance, you will need to allocate from 2-3 hours . Issuing an electronic policy takes 15-20 min. To apply for an e-policy insurance, it is enough to have a computer and Internet access. The policy is sent by e-mail immediately after payment.
Important! The Bank of the Russian Federation strictly controls compliance by insurers with the requirement of uninterrupted sales of e-OSAGO.
Measures are taken against violating companies, so insurers are trying to ensure the uninterrupted work of issuing electronic policies.
With the help of the Internet, the insured gets the opportunity to choose a profitable service. To determine the optimal tariff plan, it is enough to compare the basic tariffs in several insurance companies.
An electronic policy cannot be lost or forgotten at home, it will not lose its strength because it is torn or wet. The policyholder always has the opportunity to print a new document (if desired).
Traffic police officers generally do not need paper to check for insurance.
Electronic insurance is paid using a card, an electronic wallet and other methods of payment via the Internet.
Unfortunately, no one is immune from mistakes. According to reviews of customers who have already taken out electronic insurance, they happen quite often.
The most common are data inconsistencies between those available in the register of the Ministry of Internal Affairs and the RSA and those provided by policyholders in the questionnaire:
Insurance companies warn that if there are discrepancies, it is necessary to send scans of documents to the company and the insurer will check all the data and make the necessary changes on their own.
Often, due to failures in the system, you can see such errors:
To eliminate them, you can try to visit the site in the morning when the system is not so busy.
Good to know: If, when applying for e-CTP, the insured provided incorrect data, which led to a decrease in the cost of the policy, you must urgently contact the insurance company to clarify the data.
Otherwise, the Insurer has the right to recover from the policyholder the entire amount insurance compensation paid to the victim in the event of an accident. If there are no payments, the difference between the paid amount and the amount payable will be charged.
Consider some additional nuances that should be considered when buying an electronic OSAGO policy via the Internet:
Good to know: By the end of 2020, it is planned to fully develop programs that allow tracking uninsured vehicles using video cameras and automatically sending a fine to the post office.
Due to the fact that the e-OSAGO service is new, policyholders have a lot of questions related to the design, conditions and application of electronic poles. Here are the answers to the most common ones:
After registration and payment, the Policyholder receives the policy on his e-mail in pdf format.
This is what an electronic OSAGO insurance policy looks like - photo
His appearance practically no different from its paper counterpart. It is green in color, only there are no micro-patterns on it, which serve as protection against fakes.
The policy contains the following information:
Sample e-OSAGO: an example of a photo of what an electronic OSAGO policy looks like
It can be printed on both color and black and white printers, it does not play a role for its identification.
In the event of such an error, you can try to enable SMS notification on the policyholder's bank card. This may be incorrect processing of errors during payment, or their transfer in the wrong format to the service by the payment gateway.
You can try to pay with another card.
To correct this error, indicating not the real experience, but the date of issue of rights will help. The system checks the year, the day and month do not matter.
If there is a difference between the data provided by the insured and those in the RSA system, an error appears: "It did not pass the check in the AIS RSA".
To correct data, you need:
Despite the fact that the introduction of e-OSAGO is determined on legislative level, there are a lot of problems that arise during the design, related to the unpreparedness of sites, the presence of errors in the PCA system.
Registration of e-OSAGO insurance is a new direction in the development of auto insurance, this service is already gaining popularity. It is already clear that the future is modern ways auto insurance.
In conclusion, we suggest watching a video about electronic OSAGO via the Internet:
All motorists who use the old way of registration should try to issue an electronic policy in order to feel all the benefits of using it.
Questions for readers
Have you bought an e-policy for OSAGO via the Internet? Did you manage to figure it out and get insurance the first time?
Dear readers of the site "RichPro.ru", if you have any questions about the purchase of electronic OSAGO policies or comments on the topic of the publication, then leave them in the comments below.
22.03.17 99 310 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. The new electronic policy is called e-OSAGO, and it completely replaces the paper one. 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 electronic form 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.
An 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 completely copy the appearance of the official sites 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 the 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 the 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.
