From August 24, 2021 the regulations of the Central Bank of the Russian Federation came into force, according to which a newly purchased civil liability insurance policy comes into force through three days from the moment of its acquisition.
Directive of the Bank of Russia dated February 15, 2021 No. 4723-U “On amendments to the Directive of the Bank of Russia dated November 14, 2021 N 4190-U “On requirements for the use of electronic documents and the procedure for exchanging information in electronic form when implementing compulsory civil liability insurance vehicle owners”, which makes changes to
Directive of the Bank of Russia dated November 14, 2021 N 4190-U “On the requirements for the use of electronic documents and the procedure for exchanging information in electronic form when implementing compulsory civil liability insurance of vehicle owners” (with amendments and additions)
A calculator for calculating and comparing MTPL prices is already available on our website , as well as issuing a policy online with delivery of the contract directly to your email.
The insurance company's computer system clearly records the time of sale of the product , so the motorist should know: we are not talking about 3 days, as many are convinced, but about 72 hours.
Main reasons for innovation
Many insurance companies state the fact that compulsory motor liability insurance is unprofitable, especially in regions (small cities and rural areas).
This is influenced by the following factors:
- Low level of policy sales in areas where insurance company offices are poorly represented. Not all companies open their representative offices in areas that are unattractive in terms of the number of clients.
- High accident rate on the roads. It is no secret that our local roads are repaired on a residual basis, so their condition leaves much to be desired.
- The traffic police rarely fines you for driving without insurance.
- Today the fine ranges from 500 to 800 rubles, but this does not stop those who want to drive without insurance.
Companies' losses from compulsory motor liability insurance are increasing due to fraudulent actions on the part of drivers.
Deputy Chairman of the Board of the Bank of Russia V. Chistyukhin believes that one of the moments of abuse by persons behind the wheel is the following scheme:
- A driver who does not have an insurance policy causes an accident;
- Within 15 - 30 minutes from the moment of the accident, a policy is issued via the Internet in his name;
- The insurance company and the traffic police will learn about the fact of the accident within an hour from the moment the policy is opened;
- The victim is paid compensation from the company's funds, although logically the person responsible for the accident should pay the money.
Why can't drivers insure their car online?
Registration of electronic MTPL is fast, simple, and most importantly, functional. You can complete the registration without being distracted from your work or household responsibilities. Find out more about how to apply for compulsory motor liability insurance online and what are the advantages of car insurance via the Internet here.
But such an opportunity is not always available. The main reasons why you cannot insure a car are as follows.
- A citizen who does not have access to the Internet will not be able to issue an electronic MTPL.
- Also, it is not possible to issue an MTPL policy for persons who are on the blacklist of the insurance company, that is, they are unscrupulous clients.
- Payment for the insurance policy occurs by debiting funds from the card or using electronic payment systems. If citizens cannot pay for insurance online, they are automatically deprived of the opportunity to receive an electronic document.
- You cannot issue a new MTPL policy until the previous certificate has expired. It is allowed to issue a new document at a time when there is less than one calendar month left before the expiration of your existing insurance policy.
- Another reason is that when buying online, the client can buy compulsory motor insurance without any additional fees. services often imposed by companies, which is regarded as lost profit. Since on the website you can simply uncheck unnecessary options and get the “net” cost of the policy. Therefore, unscrupulous insurers deliberately create technical difficulties for the purchase.
- Some insurance companies create obstacles when selling online, for example, for clients from so-called “unprofitable” regions or for drivers who do not meet any criteria: vehicle size, age, etc. Of course, such actions are illegal, according to the Directives of the Bank of Russia dated November 14, 2016 No. 4191-U, the provision of services on the Internet must be uninterrupted.
Watch the video about why you can’t buy an electronic MTPL:
Postponement of entry into force of the E-OSAGO agreement
A delay of 3 days from the date of purchase of the policy to the beginning of its validity period is considered a necessary factor to reduce insurance fraud.
Insurers are confident that this measure will make it possible to reduce losses.
This is a fairly common measure, somewhat similar to the so-called temporary deductible , which is quite widely used by insurers to sell voluntary insurance policies online, and even for some types of policies through all sales channels, including insurance agents.
As practice shows, unscrupulous drivers find ways out of such situations as follows:
- An accident occurs;
- The second participant disappears from the scene;
- The policy is issued electronically;
- Information about an accident is received when the policy period has already begun.
There is another option - to issue an MTPL insurance policy through the website of RSA - the Russian Union of Auto Insurers. In this case, it is possible for compulsory motor liability insurance to come into force from the moment of purchase, in agreement with the operator.
The new MTPL rules with a deferred contract date are designed to reduce the risks of fraudulent activities and do not violate the rights of motorists.
Since every motorist knows the approximate expiration dates of his annual MTPL policy, he needs to take care a little in advance (20-30 days before its expiration) and find suitable options for the insurance company and the price.
How to apply for compulsory motor liability insurance online
If you are unable to buy OSAGO on the insurance company’s website, use the e-OSAGO .
On the e-OSAGO website, calculations are made for the 15 most reliable insurance companies. If you encounter any errors here, you can write an online dialogue to our managers who will help you solve the problem.
You can pre-calculate the price and choose the best offer using the OSAGO online calculator.
OSAGO calculator
Possible consequences
The consequences of an error in the policy depend on the type of discrepancy with actual data:
- The information about the owner or persons authorized to drive the machine is entered incorrectly. Such a discrepancy is equivalent to the absence of a compulsory motor liability insurance policy. The traffic police has every reason to impose a fine of 500 rubles. (Administrative Code 12.37).
- Incorrect information about the vehicle deprives the owner of the right to insurance payment in case of damage to the car. The basis for refusal is the discrepancy between the data of the damaged car and the characteristics specified in the insurance contract.
Attention! If the distortion of data was intentional to reduce tariffs, the insurance company may terminate the contract unilaterally.
In this case, the insurance company has the right to sue the client to recover all payments to victims of the accident for which he is at fault. Sometimes a criminal case is initiated for fraud. An example of such an error is the mismatch of engine power: 249 is indicated, but in fact more than 250 hp.
If the errors are minor:
- The traffic police may limit itself to a verbal warning, after which the issue of adjusting the policy should be addressed.
- The insurer cannot refuse payment (Federal Law No. 40 of April 25, 2002).
Why is there a redirect to the RSA website?
Often, when trying to create an electronic policy on their own, drivers are faced with the question of why, when applying for OSAGO online, they transfer to another insurance company. When dividing market segments, each organization received “good” and “bad” clients. The criteria for classifying citizens into the “bad” category may be:
- bad insurance history;
- inexperienced drivers;
- those who take out a policy without including additional conditions.
Therefore, he may even suggest going to the RSA website, explaining this decision as a system failure or technical errors. Finding out the true reason for the refusal is almost impossible. The responsibility for issuing the policy is performed by the replacement organization.
Problems associated with car insurance via the Internet
The long practice of using electronic compulsory motor liability insurance in Russia has made it possible to identify a list of the most pressing problems that accompany the online procedure.
- The first problem is related to the inability to buy an electronic policy due to an error that appears on the site.
If you cannot insure your car online, then first you need to make sure that you have correctly filled out the basic fields as required by the site. If you made a mistake, the site will most likely prohibit you from making a purchase without correction. Typically, well-functioning sites are marked in red in the fields where shortcomings were made. If the data was entered correctly, but payment is still not made, this means that the problem is in the electronic resource. - The second problem is related to the company’s clients’ fear of having their bank card hacked after paying for the policy.
Unfortunately, the risk of disclosing your data when purchasing MTPL is exactly the same as in any online store. If a virus application was launched into the program, then it will be able to read information from your account, and your card will no longer belong to you. You also need to carefully study the IC website so as not to fall into the hands of scammers who create phishing pages. Check URLs, company information, phone numbers, etc. You can use the insurers' database on the RSA website. - The next problem is related to the fact that the electronic MTPL policy does not arrive by mail after payment. This unpleasant error is often due to the fact that the resource needs some time to enter new data into its database, and then send the finished form by mail. Sometimes the letter goes to the spam folder, so you need to check it too.
- Sometimes traffic police officers refuse to accept the electronic MTPL policy you purchased, which citizens undertake to submit for verification in accordance with Article 2, clause 1.1 of the Traffic Regulations. Although, according to the law, it is enough just to print this document and carry it with you in the car (clause 2, part 7, article 15 of Federal Law No. 40). Traffic police officers may require the appropriate seal and letterhead of the insurance company in its original form (find out how to use the document and what to present to the traffic police inspector for inspection here).
- Another problem is related to the fact that the website does not have a menu item “buy electronic compulsory motor liability insurance”.
Unfortunately, not all insurance companies take advantage of the opportunity to sell electronic MTPL documents, although the Federal Law on MTPL obliges all companies to add such a service to the main list. About 50% of insurers sell policies via the Internet. Therefore, even on the website of fairly popular insurance companies there may not be a function for purchasing an electronic document. In this case, the citizen has no choice but to come to the company’s office independently and purchase an MTPL policy in person. - Not everyone is satisfied with being redirected to a replacement insurance company; if, for technical reasons, it is not possible to issue a compulsory motor liability insurance policy, the policyholder is first transferred to the RSA website, and then a replacement company is selected using the PTS number. In this case, the insurer no longer has the right to refuse to issue e-MTPL.
- Refusal based on the absence of an insurance representative in the region. This action is illegal because each insurance company must have representative offices throughout the Russian Federation or a partnership agreement with another company; this is regulated by Part 1 of Article 21 of Federal Law -40.
- Limitation when choosing payment - this problem is created by unscrupulous insurers. Not every person has a Qiwi wallet, WebMoney, and so on.
Let us remind you again. Only certified insurance companies that have a license to carry out such activities can sell electronic policies .
If you received an offer to purchase electronic compulsory motor liability insurance not directly from the insurance company, but from a broker, then two scenarios are possible.
- Perhaps you have contacted scammers whose goal is to take possession of your funds, while providing you with an obviously illegal and non-valid policy (how to check the authenticity of a document?).
- The second option is more pleasant. By clicking on the “purchase policy” button, the site will redirect you to the official resource of the insurer. In this case, be sure to check whether the site is truly a representative of the organization, and if so, you can make a purchase.
The practice of using electronic MTPL policies has many other examples that show what errors can crop up when working with the resource.
If you find an error on the website of an insurance company, do not ignore it. Be sure to write to the site’s support service, and perhaps soon specialists will work on such a “bug” and eliminate it. This means that thanks to you, using the resource will be simple and accessible.
On our portal in this article you can get acquainted with what an electronic OSAGO policy looks like and how it differs from regular insurance, and here you can find out how to calculate the cost of electronic car insurance and pay via the Internet.
Main types of errors in an electronic policy
Since 2015, motorists have been able to save their time and buy protection remotely. Experienced experts recommend taking a responsible approach to the registration procedure and checking the correctness of the information provided.
Let's look at what mistakes policyholders usually make:
- Transport data
Drivers often make mistakes and incorrectly indicate the vehicle identification number. It is also worth noting that in many companies it is not possible to choose the right car model. In this case, the client has to indicate any option in order to receive the contract form.
- Driver information
In this case, motorists may make mistakes in their personal data. In this case, you should not count on the annual discount that is due to every break-even client. In addition to personal data, policyholders very often incorrectly indicate their driver’s license number.
- Policyholder details
There are also errors in personal data. It is worth noting that this is an error solely due to inattention.
