What is an electronic MTPL policy and how to use it?

Vehicle owners can obtain an electronic MTPL policy from many insurance companies. The procedure for obtaining such insurance is simple; the main thing is to choose a reliable insurer, register on their official website, and then carefully fill out the required application.

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However, it is important for every person to know how to use this document correctly, what should be presented to the inspector, and also what methods will help protect themselves from fraudsters.

What is an electronic MTPL policy?

Electronic MTPL (compulsory motor third party liability insurance) is a policy issued via the Internet and is an analogue of a paper document.

This insurance has a number of features:

• has the same legal force as a policy received in person at the office of the insurance company;
• To receive it, you need the same package of documents as for the paper version;
• simple application requirements;
• insurance is sent to your email immediately after successful transfer of funds to the insurer’s account.

Important: the only difference from the paper version is that the electronic document is not printed on a special form with a state sign.

Note: OSAGO is successfully issued in many insurance companies in the country, starting from July 1, 2015.

What does an electronic policy look like?

In appearance, electronic insurance is practically no different from the policy obtained at the company’s office.

This document displays:

• series and number;
• the name of the insurance company where the document was drawn up;
• validity;
• last name, first name and patronymic of the insured person;

The full name of the person who owns the vehicle is shown.

• Car model;
• its technical characteristics, in particular, identification number, state registration mark;
• vehicle passport;

The series and number indicated in the vehicle passport are registered.

• Full name of citizens who have the right to drive this car;
• cost and so on.

Important: depending on the insurer, the MTPL messages sent may be in color or black and white.

Required documents

To obtain an EPOMS, you need to collect the following documents:

• civil passport or birth certificate of the insured person;
• application for replacement;
• individual personal account insurance number (SNILS);
• old insurance contract (optional).

If the card is issued for a minor, he must be accompanied by a parent with his passport or a legal representative with a passport and a power of attorney, which is dictated by the Rules of Compulsory Health Insurance. For children under 14 years old, having a SNILS is not a requirement.

How to use electronic MTPL?

Electronic MTPL is used in the same way as a document received at the office of an insurance company on paper.

The citizen is required to:

• Immediately print out the insurance as soon as it arrives at the email address specified during registration.
• Place MTPL in your car or store it with your driver’s license.

The main thing is to always have the policy with you while driving.

If third parties are included in the insurance, they must also be given a printed copy.

• At the request of the traffic police inspector, present the electronic compulsory motor liability insurance.

Note: if the document is not presented, then traffic police officers may issue a fine of 500 rubles.

What should I show to the traffic police inspector?

Every vehicle owner must have a compulsory motor liability insurance policy with him while driving. If stopped by a traffic police inspector, the citizen will need to present a printed document.

Important: electronic MTPL has the same legal force, so there is no need to receive a document on the insurance company’s letterhead.

Subsequently, the inspector checks the presented insurance for authenticity. To do this, they make a request through the PCA database.

If a citizen does not have insurance with him, for example, the document was forgotten at home, then the driver is allowed to say:

• series and policy number;
• name of the insurer;
• validity period of the document.

Advice: it is better not to forget your compulsory motor liability insurance at home in order to avoid negative consequences, in particular, receiving a fine for driving without insurance.

In what cases can you not buy OSAGO online?

In order for the driver to independently obtain e-MTPL insurance, data about the car and the policyholder must be in the RSA database. Also, the current information must match that entered into the database.

What does it mean? The driver and his car must have been included in any MTPL insurance. At the same time, the data about the driver and the car should not have changed. For example, if the driver has changed his place of registration, it will no longer be possible to obtain insurance online.

In fact, such a situation with a change in data should not happen, since the client must always inform his insurance company about a change in data. But in reality, rarely anyone does this, so the database often contains old data.

If you can’t apply for compulsory motor liability insurance yourself, you need to find out what data is listed in the RSA. To do this, you can ask your current insurance provider to double-check the data. But this must be done before the insurance period expires.

OSAGO calculator

How to apply for an electronic version of OSAGO?

To issue such a policy, the vehicle owner is required to:

1. Select an insurance company.

2. Check the name of their official website.

3. Prepare the necessary documents.

The citizen will need:

• personal passport;
• passports of persons who are authorized to drive this vehicle;
• diagnostic card.

4. Go to the official website of the selected insurer.

5. Complete registration.

To do this you should:

• enter your last name, first name and patronymic;
• passport series and number;
• registration address;
• date of birth;
• phone number;

Most insurers send a code to your mobile number, which you will need to enter in a special field to confirm your registration.

• exact email address.

It is better to double-check the entered email address several times, since insurance will be sent to it after payment has been transferred.

6. Subsequently, you need to find the section regarding vehicles.

7. Click on the “MTPL” subsection.

Most companies have tips on their official websites on how to fill out an application for a document. It is recommended that you familiarize yourself with them to avoid various errors when filling out.

8. Select the “Issue policy” command.

Depending on the insurer, such commands may have different names, for example, “Issue a new policy.”

9. Enter all data in the application.

Here you need to indicate:

• personal information about the owner of the vehicle, in particular, his full name, passport details, etc.;
• personal data about all persons entitled to drive this vehicle;
• information about the vehicle: registration plate, engine power, year of manufacture, etc.

All information about the car should be taken only from the vehicle title and diagnostic card.

10. After filling out the application, you must click on the “Calculate the cost of OSAGO” command. A person will be required to wait 2–5 minutes while the program processes all entered data.

At the end of the check, the cost of compulsory motor liability insurance will be displayed on the computer monitor.

11. Pay for insurance. The last step is the transfer of funds for the policy. They will need to be translated using the link provided by the insurance company.

After transferring the money, the insurer will immediately send you an MTPL by email, which you will need to print.

Important: if, after transferring funds, the policy did not arrive by email, you should check whether it was indicated correctly when registering on the site, and later contact the insurance company employees.

How to choose an insurance company?

The chosen insurance company must be reliable, otherwise the person risks being left without compulsory motor liability insurance or unnecessary difficulties will arise in the event of insured events.

In this matter, experts advise:

• Carefully study customer reviews of various insurers, especially pay attention to the procedure for paying out funds in the event of an insured event.

If there are a lot of negative reviews, then it is advised to opt for another insurance company.

• Make sure that the insurer has the appropriate license giving it the right to issue electronic compulsory motor liability insurance.
• Pay attention to how many years the company has been operating on the market.

Important: if a citizen has entered into an agreement with a certain insurance company for a long time and no disagreements have arisen, then it is better to remain their clients and not change the insurer.

Price

Each vehicle owner can calculate the cost of the policy. To do this, you should use the calculator, which is available on the official websites of insurers.

Here you need to enter the following information:

• the class to which the car belongs;
• the power of its engine;
• how many people have the right to drive a vehicle and their driving experience;
• the period for which compulsory motor liability insurance is issued;
• region and so on.

Tip: For a complete cost calculation, you must enter information in each field.

If a person has difficulties filling out data or needs to clarify any points regarding the price of the policy, you can always call the insurance company employees.

Do I need to change the old contract to a new one?

It is advisable to replace health insurance contracts received before 2011 with new documents, but this is not a mandatory condition. Insurance is considered valid until its term has expired - this is stated in Art. 51 clause 2 of the Federal Law “On Compulsory Health Insurance in the Russian Federation”. Consequently, health workers do not have the right to refuse to provide medical care upon seeing an old-style document, since it is valid.

Sooner or later, the document will need to be replaced, because previously health insurance was issued with an expiration date. Thus, it is advisable to make a replacement as early as possible, because using the electronic compulsory medical insurance policy, you can make an appointment with a doctor remotely, and besides, it is unlimited.

How to check authenticity?

Any citizen who has received an electronic MTPL can check its authenticity.

To do this, go to the PCA website and enter in the fields:

• series of existing insurance;
• number;
• current date.

If the document is genuine, then after a few minutes all the information about the document will be displayed on the monitor. In the case when a person purchased a fake policy, this site will display that the document could not be found based on the entered data.

Let's celebrate! It is also possible to check the document through the insurance company. You need to call their office and ask an employee to check the policy using the named series and number. The insurance agent will answer in 1 - 2 minutes whether such insurance is available in their database.

How to protect yourself from fraud?

Every vehicle owner should know how to protect themselves from scammers. Insurance experts advise:

1. Purchase a policy only from reliable insurance companies.
2. Never register on dubious sites.
3. If any problems constantly arise when filling out an application, then it is better to finish filling out the document and turn off the computer.
4. Do not chase dubious offers to purchase insurance at large discounts.
5. Carefully read all reviews about each insurance company.

Important: if a person purchased a fake policy, it is worth immediately notifying the PCA about this so that the fraudulent site is blocked, and also write a statement to law enforcement agencies.

Do I need to have a policy with me?

Previously, the algorithm for checking a driver by a representative of the State Road Safety Inspectorate did not raise any questions. The driver was required to present the original policy, and the inspector was required to check its authenticity and validity period according to the database.

To date, State Traffic Inspectorate employees have received an explanatory letter that describes in detail the new rules for checking an insurance document.

So, the current process of document verification is carried out in this way: using a specially developed service in the network of Integrated Multiservice Telecommunication Systems (abbreviated as IMTS) of the Ministry of Internal Affairs of Russia, or in case of its inoperability, the official RSA web resource, the traffic inspector sends a request to the database to confirm the availability of insurance specific car owner.

However, there is a catch: no changes were made to the official version of the traffic rules and some representatives of the State Traffic Inspectorate take advantage of this. After all, in fact, a request to present all the necessary documents, including a car insurance policy, does not violate the law, but rather the opposite. Over the past year, no incidents have been officially registered with car owners not having a paper policy, however, RSA recommends printing out an electronic policy before making changes to the traffic rules. First of all, this applies to regions where inspectors do not have the opportunity to check the validity of the policy online due to the lack of tablets and the inability to access the Internet.

Pros and cons of electronic MTPL

An electronic policy has not only many positive aspects, but also disadvantages that must be taken into account when applying for insurance.

The main advantages are:

1. Quickly receive your policy by email.
2. Possibility to print it at any time.
3. You can submit an application for a document 24 hours a day.
4. The application is simple to complete.
5. It takes 3 to 5 minutes to check all the specified data.
6. There is no need to personally visit the insurer's office.
7. Experienced insurance agents will always answer any questions by phone.
8. You can use a special calculator and calculate the cost of insurance.

The disadvantages of electronic policies include:

• The possibility of going to a scam site and losing the transferred funds, as well as being left with a fake document.
• Lack of complete information regarding all additional services.
• Difficulties in the event of traffic accidents.

Important: in case of a small accident, the owners of both cars will not be able to get by with drawing up a European protocol. Only a traffic police officer has the right to check the authenticity of the provided policy.

Any vehicle owner can receive an electronic MTPL. The main thing is to choose the right insurance company, enter all the necessary information in the application, and then transfer the specified funds.

Subsequently, the printed insurance should be used in the same way as a regular policy issued at the offices of the insurance company.

Blitz tips:

• be sure to call the insurance company if you encounter any difficulties or questions when applying for a policy;
• carefully enter all personal information when filling out the application;
• never transfer funds if the link provided for payment is not trustworthy;
• After receiving electronic insurance, immediately check its authenticity.

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E-OSAGO: fake or original?

It would seem that it is impossible to obtain a fake e-policy, but you should be extremely careful, since there are plenty of scammers on the Internet. Fraudsters create virtual clone pages, copy the design and assign similar web addresses; it can be difficult to recognize a fake resource.

The All-Russian Union of Auto Insurers makes every effort to identify fraudulent sites, but you should understand that there is always a risk of falling for the trick of such resources. First of all, this applies to those who have poor computer skills and rarely use the Internet. Remember, the low cost of insurance services is a reason to think about counterfeiting.

In order not to be deceived and not to pay money to scammers, it is important to know that real insurance companies, before making a purchase, send the buyer a link by email, following which it will be possible to familiarize themselves with the company’s registration certificate. The absence of such a link in the email inbox indicates either a technical malfunction of the site or fraud. You can double-check the validity of the MTPL certificate of any insurance company yourself by logging into the unified register on the RSA website.