Where can you really get an electronic MTPL policy?

Quick links

1. Calculation of the cost of E-OSAGO in Moscow
2. Registration of the MTPL policy in electronic form.
3. Checking an electronic policy in Moscow.
4. Law on electronic compulsory motor liability insurance

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Online OSAGO

You can quickly apply for an MTPL policy online through our platform. Guarantee of official registration of the policy.

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Today, every driver who is registered in the territory of the locality of Moscow is provided with the service of issuing an OSAGO policy or, in other words, a Compulsory Motor Liability Insurance Agreement. You can go through the registration process in 2 ways:

• In the first case, in the electronic version (electronic OSAGO policy, e-OSAGO, e-policy), yes, now the policy can be issued while sitting at home in Moscow and drinking tea;
• And in the second, as it was done before, in paper form. This document is protected from counterfeiting using special technologies.

If you suddenly get into an accident (traffic accident), then both documents will have the same legal force. The only difference between these two ways is that in the first case you receive a document by e-mail, and in the second you will have to independently get to an insurance service representative, where you will receive a form established by law.

Of course, there is one more nuance. People of retirement age and villagers do not particularly trust and do not recognize Internet technology. But it will be difficult for both of them to get to an insurance representative. As a rule, it is difficult for pensioners due to their age, and for village people due to their place of residence. And even if a deal is concluded in person, people have more confidence that no one deceived them, since:

• Firstly, the document is issued immediately to the client.
• Secondly, the document is signed by both parties.
• Thirdly, a receipt is issued indicating that the insured person deposited funds.

Registration of the MTPL policy in electronic form.

Absolutely all insurance companies sell electronic policies. Next, after you go through the registration process, you will have your own password and login. You will need this in order to log into your personal account. You will also receive your login and password via email or SMS to your mobile phone.

You can pay for this service by credit card or using other payment options.

After the policy arrives in your email, you should print it out. And if stopped by a traffic police inspector, present the document.

How to renew your policy online?

Electronic insurance is offered not only for purchase, but also for renewal. At the same time, the algorithm of actions is quite simple. In addition to the specified package of papers, in such a situation you should provide information from the previous policy.

Online insurance is a standard example of a government initiative, since changes in laws must periodically appear, based on the current decisions of market participants. Initially, the first promotions among insurers were made about 10 years ago. First of all, online calculators were introduced, after which it was possible to save a web page where the result of calculating the sum insured was shown, then personal accounts were created, and so on. Countries are adapting to the market, so insurers are now ready to offer e-policies!

Changing the information specified in the policy

It's no secret that every driver, within a certain period of time, needs to make changes to the insurance policy (electronic OSAGO policy, e-OSAGO, e-policy). For example, to the same list of approved drivers to drive a vehicle.

To do this you need:

First of all, you need to send an application form to the insurance company.

Secondly, the application will be checked for several days.
It is the responsibility of the insurance provider to check and make adjustments. Next, if the driver is added to the list, the company sends you an invoice for the additional payment of the insurance premium. After making the additional payment, the insurance representative is obliged to send you the amended policy by e-mail. Then this policy should be printed and replaced with the old one. You should REMEMBER one simple truth: you are not obliged to prove anything to anyone.

What to do with e-OSAGO after registration?

The law does not require you to print your electronic insurance. But at the request of the traffic police inspector, you must show him the policy on electronic media. This is where your responsibility comes in: always have a gadget with a charged battery on hand. If in doubt, it is better to print out a paper version of the policy on a regular black and white printer and put it in the glove compartment.

Regular (paper) OSAGO

The usual way to complete documents: come to the office, submit the required package of papers, fill out a form under the dictation of the manager and wait for delivery.

On the one hand, you spend more time than with electronic registration from home. On the other hand, many people are still comfortable with the usual method. After all, this way you are relieved of responsibility for filling out documents incorrectly. And you will also be helped by an experienced person who issues such insurance every day.

A plus for many is the fact that the manager himself chooses the most optimal conditions for insurance.

OSAGO calculator

Checking an electronic policy in Moscow.

In order to check the policy, for example, for authenticity, you need its series and number. There is a service on our website that performs this function. As a result, you will receive a vehicle that is registered under the MTPL electronic number that you indicated. Plus, the status of the policy in Moscow will be indicated.

A car owner can apply for an electronic insurance policy in Moscow in two ways: by contacting an insurance company or using an online service. To calculate the price from the insurance agent, you need to collect and provide him with all the necessary documents, having previously reached the location of the insurance agent. Most often, when it comes to the office of an insurance company, you sometimes have to wait in a long line, wasting a lot of precious time in it, explain to the insurance agent the purpose of your visit, wait until he makes all the necessary calculations, etc. And if you end up in the insurance agent’s office at lunchtime, or the insurance agent can’t find your honest, legal discount in the system, and if... and if... and if... A lot of time and nerves are wasted on this. For what?

In order to find out the cost of an E-osago policy in Moscow, there is a much simpler and less time-consuming way. To do this, you just need to visit the company’s website, enter all the data necessary for the calculation into the ready-made calculation form and send it for calculation. The advantages of the second method are obvious, aren't they? You significantly save a lot of time and nerves. An online calculator for calculating the cost of electronic insurance in Moscow will determine it in a matter of seconds. And what is important, the system will not make errors in calculations, which is typical for humans. And the main thing and the most pleasant thing is that you don’t have to go somewhere, stand around waiting in line, go from office to office looking for the right specialist, explain something to him, etc. You can solve this routine task without getting up from your work chair or cozy home sofa!

Our insurance company has been specializing in motor vehicle insurance for decades! We invite you to take out a compulsory motor third party liability insurance policy (electronic compulsory motor insurance) on our website. Anyone can purchase a policy from us online, since we have created a simple and intuitive interface even for an inexperienced user. In addition, when purchasing a policy on our website, you get a favorable price, because when purchasing an electronic insurance policy on our company’s website, insurance agent commissions are excluded from the price, and you save up to 20% of your own funds.

Among our main and undeniable advantages:

• 1. Fast service. We know the value of time and value your time, so issuing a policy with us goes as quickly as possible, without compromising the quality of paperwork.
• 2. Individual approach to each client. We try to study the situation of each specific client from the inside and find the optimal solution to the difficulties that arise.
• 3. Low tariffs. In our work, we use the lowest possible tariffs for issuing electronic insurance policies. We don't have a goal to earn all the money in the world. Our goal is a fast and hassle-free service for purchasing electronic insurance.

Before purchasing a policy on our website, you can calculate its cost. You can also decide in advance on the form of payment. This can be payment by bank card, electronic wallets Qiwi, WebMoney, Yandex Money. If the price calculated by the system on our website suits you, then you can immediately begin payment. To do this, you may need to indicate your email address, where upon completion of registration and payment we will send your electronic policy. The system will also ask you to enter your payment details and all you have to do is click the “Pay” button. Since electronic payments are made through secure communication channels, you can be absolutely sure that your funds will not be lost and will arrive at our address as soon as possible. As a rule, a couple of minutes is enough for this. After payment, you can print your electronic insurance policy from a letter in your email.

To apply for an electronic insurance policy on our website, you will need a minimum of documents:

• • passport details of the owner and all people included in the insurance (full name, series, number);
• • rights (series and number);
• • vehicle registration certificate;
• • diagnostic card (technical inspection for cars older than three years is required by law);

Also, for an accurate calculation, you will need to enter data on the power of the car, the driving experience of all people included in the policy, and the region of permanent residence.

You can be absolutely sure that all the information you enter on the site is sent to us via electronic communication channels in encrypted form and is completely confidential. The system only checks the accuracy of the provided data and compares it with the data in the general RCA database.

Appearance of the policy.

So, you issued an electronic MTPL policy through an insurance company or they helped you, it’s not so important. One way or another, you have a file with the MTPL policy in electronic form (PDF). And you want to make sure that you didn’t just spend money, but that you received an official insurance document. First, look at what your policy looks like. Open the file. It is necessary to verify all the data indicated in the e-policy, since if the data is indicated incorrectly, you will not receive any insurance payment in the event of an accident! On the second back there should be an electronic seal or enhanced electronic seal - this is a set of characters in a special encoding. For example, below you can see what an OSAGO policy from the ROSGOSSTRAKH insurance company looks like.

Why do they check policies?

In fact, there are only a couple of reasons why you would want to check your MTPL policy.

• The first and most important reason for checking an MTPL policy is fraud. To prevent you from being deceived and your money not going to an unknown place, you need to check your compulsory motor liability insurance policy.
• The second reason is that you simply need to find out the status of a particular policy. This is most often needed by insurance agents. This is where checking the status of your MTPL policy comes to the rescue.

How to apply for an MTPL car insurance policy

To apply for an MTPL car insurance policy online, all you need to do is:

1. Decide on a suitable insurance program;
2. Go to the official website of the selected insurance company to obtain compulsory motor liability insurance;
3. Calculate the cost of the policy based on the required options;
4. Submit an application for a policy, indicating personal data, information about the car and those drivers who will be indicated in the policy;
5. Pay for the policy in any convenient way;
6. Wait to receive the electronic MTPL and other additional documents, if available, by email.

To issue a policy, you will need the following documents:

• passport of the client and the owner of the car, if these are different persons;
• car registration certificate or PTS;
• driver's licenses of those persons who will be indicated in the policy;
• if the car is older than 4 years, a diagnostic card for it.

As for the insurance period and the period of use of the car, you need to select only those months when the car is definitely needed. If the car is not used during certain months of the year, then you do not need to pay for this period.

Also in the online form you must indicate valid contact information - phone number and email, to which the electronic MTPL form will be sent after payment for the document.

Law on electronic compulsory motor liability insurance

Below will be presented parts of the texts of official laws on the introduction of electronic compulsory motor liability insurance. There will also be links to the laws themselves.

Federal Law of April 25, 2002 No. 40 FZ (as amended on November 4, 2014)

On compulsory civil liability insurance for vehicle owners

7.2. A compulsory insurance contract can be drawn up in the form of an electronic document, taking into account the features established by this Federal Law. After the policyholder pays the insurance premium under the compulsory insurance contract, the insurer sends the policyholder an insurance policy created using the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law, in the form of an electronic document signed with an enhanced qualified electronic signature insurer in compliance with the requirements of the Federal Law of April 6, 2011 N 63-FZ “On Electronic Signature”.

Letter of the Main Traffic Safety Inspectorate of the Ministry of Internal Affairs of Russia dated July 3, 2015 No. 13/12-u-4440. To the head of the Central Traffic Safety Inspectorate of the Ministry of Internal Affairs of Russia, heads of traffic police departments at the regional level

On changes in the legislation of the Russian Federation

clause 6. In the prescribed manner, ensure that traffic police squads carry out checks using the resource located at the address in the IMTS network of the Ministry of Internal Affairs of Russia, or the official website of the Russian Union of Auto Insurers (by entering information about the state registration plate and VIN of the vehicle) to determine the presence or absence of compulsory motor liability insurance policies owners of vehicles who have concluded an MTPL agreement in the form of an electronic document. If there is information in the information system about the conclusion of such an agreement, exclude bringing the driver to administrative liability under Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Regulation of the Central Bank of the Russian Federation No. 431-P dated September 19, 2014

On the rules of compulsory civil liability insurance for vehicle owners

1.1. A compulsory insurance contract can be concluded either by drawing up and issuing a compulsory insurance policy to the policyholder on paper, or by drawing up and sending him a compulsory insurance policy in the form of an electronic document in the cases and in the manner provided for by these Rules. 1.3. When performing registration actions in relation to a vehicle, the fulfillment of the owner’s obligation to insure his civil liability is confirmed by presenting to an employee of the registration authority a compulsory insurance policy or information printed on paper about the conclusion of a compulsory insurance agreement in the form of an electronic document.

Amendments to the OSAGO law

The end result of introducing amendments to legislative acts is that the quality of services provided by insurance companies improves. This result was achieved due to the fact that the state decided to abandon the use of tariffs that were previously regulated by it. Also, an individual approach is now used to issue an insurance document.

A draft law providing for the introduction of changes in this area was submitted to the State Duma in September 2021. The text of this document provides for the possibility of using individual coefficients by organizations working in the insurance industry. Such adjustments have positive aspects, including an increase in the permissible insured amount receivable in the amount of a couple of million rubles. This applies to situations where, as a result of a vehicle collision, harm is caused to the health or life of a citizen.

It is also possible to extend the period of validity of the insurance agreement. It is proposed to introduce a period of three years. In addition, the proposal also applies to the minimum period for drawing up the act in question. It is 1 day.

Other organizations

• Saint Petersburg

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• Moscow

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• Khimki

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• Volgograd

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• Belgorod

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• Blagoveshchensk

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• Kirishi

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• Thais(pos.)

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• Pinery

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• Meadows

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• Novokuznetsk

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• Penza

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• Eagle

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• Sterlitamak

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• Ufa

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• Petrozavodsk

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• Elista

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• Rostov-on-Don

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• Kazan

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• Saransk

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• Ulyanovsk

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• Izhevsk

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• Nizhnevartovsk

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• Tyumen

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• Tula

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• Tomsk

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• Tver

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• Tambov

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• Stavropol

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• Nizhny Tagil

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• Ekaterinburg

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• Balashov

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• Saratov

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• Samara

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• Ryazan

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• Yaroslavl

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• Cheboksary

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• Vladimir

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• Grigorievskoe (c)

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• Kabanovo (c)

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• Kraskino (town)

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• Russkinskaya (d)

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• Peaceful (c)

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• Small Bases (p)

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• Chagoda (town)

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• Mouth (c)

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• Esso (c)

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• Novozavidovsky (town)

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• KAZ (p)

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• Nagorsk (p)

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• Doroginya (p)

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• Mekhonskoye (c)

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• Sejm (c)

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• Volovo (c)

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• Gadlya (c)

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• Hill

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• Upper Balkaria (from)

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• Guzeripl (p)

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• Demyanka (p)

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• Chicherino (d)

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• Sazhino (c)

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• Zhizica (d)

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What will affect the price of the policy in 2022

Legal acts regulating the insurance industry indicate which rates can be classified as basic. In addition, they set coefficients that determine insurance rates, without taking into account the characteristics of an individual driver. These indicators can affect both increasing and decreasing the risk of an insured event. These criteria include the age category of the citizen and the amount of his driving experience.

For this reason, it is assumed that insurers will calculate the cost of the policy taking into account the level of the driver. This list is planned to increase several times.

IMPORTANT !!! The final amount of the policy will be influenced by several factors, including the quantitative expression of recorded accidents, where the guilt of the person purchasing the insurance policy is established. Also, this is the experience and age of the driver. Data will be taken into account regarding the manner in which a person operates a vehicle. This indicator will be subject to determination through testing.

Insurers will be given powers related to the ability to make adjustments to rates that were previously basic. This is influenced by factors of individual significance. They affect the possibility of occurrence of cases classified as insurance. This system allows citizens who drive a car conscientiously and rarely get into accidents to save a significant amount when purchasing a policy. When commenting on these innovations, government officials indicated that only those who drive carefully will be able to win in this situation.

Currently, such persons are forced to pay more than is provided for in the new payment calculation system. It is also provided that until October 2022, when carrying out computational operations to determine the amount of payment, a coefficient of regional significance will be subject to application.

What is a compulsory motor liability insurance policy?

A document confirming the car owner's liability insurance is required to drive a vehicle. For its absence, traffic police inspectors may issue a fine. From November 2021 it is 5 thousand rubles. If the insured person gets into an accident, the MTPL policy will reimburse the expenses incurred by the injured party. Payments are made in cases where the driver is found to be at fault for the accident.

The maximum amount of compensation for repair work under the policy is 400 thousand rubles. If car restoration services cost more, the person at fault will have to pay the difference between the cost of the work and the insured amount from his own wallet. Some drivers can apply for a VSAGO (voluntary motor vehicle license), the amount of payments for which reaches 30 million rubles. At the company office you must present your passport, driver's license and car documents.

Is it possible to save money when purchasing an electronic car insurance policy?

Formally, the cost of car insurance is fixed by law, along with all the required coefficients, regional, driver’s, and so on. From a legal point of view, the cost of obtaining car insurance is approximately the same across the region with similar data. Electronic insurance costs the same as regular insurance . But when registering, you are deprived of the agent factor. Through the Internet, you will not be forced to buy additional life insurance or a whole package of services that you are not aware of.

You can check all the calculations yourself and use several payment systems and see how to calculate the cost of compulsory motor liability insurance yourself. You get a standard fair price without generous agent commissions for additional services. This is a significant saving.

Safety precautions when purchasing electronic car insurance online

• The list of reliable companies that provide compulsory motor insurance online changes throughout the year. It makes sense to focus on the information on the website of the RSA Union of Motor Insurers. If you don’t find a company on the list, don’t rush to send money there.

  

• Check the referral links. The scam site may look completely identical to the real one; it is only given out by an incorrect address, masking the address in the browser line, or redirecting to another resource.
• If you don’t like something - pop-up ads, additions, requirements, too small letters, lack of clear information, difference in the price of preliminary and final calculations - go to another site from the list of verified RCA.
• Follow the site's tips - they usually reflect the policies of each company. The clearer and clearer the position of the company, the more attention to the client, the opportunity to change the range of services, supplement the insurance at your own request - the easier it will be to work with the company.
• Make payments through the official website of the State Service.

Territory coefficients

In addition, the plans of the authorities include the abandonment of criteria related to territoriality. Currently, depending on the area of ​​residence of the person purchasing the policy, the coefficient is set in the range from 0.6 to 2. This indicator does not affect how often a citizen can create an emergency situation on the road.

In addition, experts are confident that the use of such data does not allow different insurance companies to offer their clients programs that provide an individual approach.

Representatives of the RSA, after the first stage of reform of the insurance sector, indicated that there was a positive trend in expanding the corridor for determining the expression of the rate. The result is that citizens are now less likely to go to court regarding insurance issues. After all the planned changes take place, the cost of the policy will be reduced for many citizens. Including those who live in the capital. The approximate time frame for obtaining such a result is November 2022.