The MTPL car insurance policy is part of the necessary documents for every car owner. Filling out an application for insurance is not difficult; you just need to spend some time and a certain amount of money on it. But for about a year now, motorists have been able to apply for compulsory motor vehicle liability insurance online. This procedure is slightly different from the standard one.
This material describes the features of obtaining car insurance online: what documents are needed for this, the procedure, the advantages and disadvantages of this form of purchasing compulsory motor liability insurance.
Is it possible to apply for compulsory motor liability insurance online?
When trying to conclude an agreement with an insurance company in the usual way, a car owner may encounter many difficulties:
- loss of time in queues;
- lack of forms;
- forced registration of unnecessary services that are imposed additionally.
All this can be avoided if you apply for compulsory motor liability insurance online, just from home, via the Internet.
First, let's try to figure out what an electronic policy is and how it differs from a regular one. This opportunity has been available since October 2015. And from the beginning of January 2021, after changing the wording of Article 15, Clause 7.2 of Federal Law No. 40, all auto insurers are required to provide services for the electronic sale of policies.
In fact, to this day, not all insurance companies actually offer the option of purchasing electronic car insurance. Many companies, when trying to buy OSAGO online, have problems with the operation of their sites, for some this service is temporarily unavailable, other problems are possible. But, with a certain patience and perseverance, results can be achieved.
This may be due to both technical difficulties and sabotage of this process by insurance companies. In some regions, this type of insurance is considered unprofitable. In addition, with this form of registration, the insurer cannot impose all sorts of additional services on the client, which further significantly reduces the profitability of compulsory motor liability insurance for insurance companies.
It is also possible that the driver gets into accidents too often, and the car insurer’s losses for compensation for insured events increase.
But it should be noted that, if desired, it is quite possible to obtain car insurance online. It has the same strength and value as paper.
Options for obtaining an MTPL policy
Until 2013, agents only had paper insurance policy forms in their hands to fill out by hand. Typically, documents were filled out on the go, in the client’s car or in a cafe, etc. This version of OSAGO was very fast, but had several disadvantages:
- Once the form is completed, errors and typos cannot be corrected.
- Dishonest insurance agents did not hand over the issued MTPL policies to the insurance company and misappropriated the money.
To eradicate opportunities for fraudsters, in 2013 they created an automated information system of the Russian Union of Insurers (AIS RSA). This system stores information on all OSAGO forms. Now anyone can check the status of the policy they need; just enter its series and number.
After the introduction of AIS RSA, filling out MTPL policy forms by hand was prohibited. Today OSAGO can be issued in one of two ways:
- Insurance policy on paper. The form is completed by an agent or employee of the insurance company in the office. The form is filled out on a computer, all data is entered into the program and then printed on the OSAGO policy.
- Electronic policy or E-OSAGO. You can issue an electronic policy yourself or contact an agent. A convenient service for registering E-OSAGO is available on the Inzuro website.
What options are there for registering OSAGO online?
As already mentioned, the electronic version of compulsory motor liability insurance is no different from the usual one in terms of its effectiveness, only when registering it you do not need to visit the insurance organization, but you can do everything at home yourself using the Internet. Let's consider the order of such a purchase:
- decide on an insurance company and log into its online portal. When choosing a contractor, you need to take into account its pricing policy, reliability and the extent of payments for obligations, having analyzed the ratings of insurers. The difference in prices for the same machine in different organizations can vary by up to 25%, so you first need to calculate the cost of the services offered;
- register on the website and create a personal account. Personal information is indicated, including passport information, email address, etc. If registration is successful, you will receive a password to enter your personal account in the form of an email;
- A computer application form is filled out to obtain auto insurance. To do this, you will need to use data from your passport, driver’s license, document confirming the completion of a technical inspection, or car registration certificate. This statement is practically no different from the usual one when applying for a policy at the insurer’s office. The only difference is that there it is filled out by a representative of the insurance company, but in this case you have to enter the information yourself;
- insurance must be paid. Payment is possible through any bank card by non-cash transfer of funds. After this, a message with the purchased MTPL policy will be received by email;
- a printout of the policy so you can have it with you. Having this document in electronic form will help to avoid many problems, for example, if the electronic database of an inspecting traffic police officer malfunctions. In addition, the Traffic Rules in paragraph 2.1.1 of the second section require the driver of the car to have a compulsory motor liability insurance policy.
When the information is entered, it is reconciled by the insurer with that presented in the electronic PCA database. If any discrepancies are identified, the client will be asked to provide scanned copies of documents confirming the right of the car owner.
If an insured event occurs, the owner of the car may be subject to additional compensation if there are errors in the system. Therefore, it is necessary to carefully check the data entered into the electronic database with the actual data to eliminate possible errors, which could be costly in the future.
Brief description of the procedure
The procedure for issuing an electronic MTPL policy is very simple , and you can easily do it for the first time. You can find out more about the registration rules and the list of required documents here.
- First, decide which company you see as your insurer. To do this, carefully study all offers on the insurance market.
- Open your browser and go to the official website of the insurer.
- Complete the registration procedure by entering your email address and mobile phone number.
- Enter the necessary information about yourself in your personal account.
- There, in your personal account, fill out an application for insurance. The application is presented in the form of a questionnaire, where you must enter data about the make, model, year of manufacture of the vehicle, and its other characteristics, as well as information about the passport data of the owner of the MTPL policy.
- If other people besides you will be driving the vehicle, you must provide information from their driver's license.
- The validity period of the insurance policy is set, and the ability to add medical insurance is established.
TIP : After filling out all the items, you must submit your application. It will be reviewed within a few minutes, after which you will receive the results of the verification.
In addition to the result, you will receive a cost calculation (how to calculate the cost of an electronic policy?), as well as a link that leads to the payment page. If you agree with the amount, you can pay for the service, and the electronic policy can simply be printed.
Previously, we also talked about how to issue e-OSAGO through Gosuslugi, and in this article you will find legal advice on purchasing and issuing an electronic policy.
Procedure for registration of compulsory motor liability insurance for the car owner
In order to obtain car insurance online, you must submit the following documents:
- First, the owner of the vehicle must register on one of the websites of the company that deals with insurance.
- Next will be a request to enter data regarding yourself and your car, which is requested by the company management.
- After this, the system will determine what the final cost of the purchased policy will be. In this case, all coefficients are taken into account, such as region, etc.
- After the completed actions, the most difficult and crucial moment comes - the data entered on the site is verified with those available in the RSA database. This stage is considered the most problematic, since the information provided on the RSA website is not always true.
- If all the above steps are successfully completed and the reconciliation is successful, the future owner of the insurance policy will need to make a payment. This can be done in different ways, for example, using a bank card or the payment system webmoney, qiwi, yandex and others.
- After the specified amount has been paid, the company management will send an insurance policy form to the registered person’s email address or personal account. And to become the full owner of the document, you just need to print it.
Application for insurance
An application for insurance is completed electronically directly in your personal account on the insurance company’s website.
Essentially, this is an online form that provides all the information on the policyholder (the one who buys the policy), the car and drivers, as well as the policy duration and usage periods.
Filling out an application is a relatively long process and requires care. In some companies, the application can take up to ten screens.
For example, in Yugoria, an application consists of five screens with online forms.
Policyholder information
Information about the owner of the car
Vehicle information
Driver information
Information about the policy validity period and periods of use
Necessary documents for obtaining MTPL insurance
In order to correctly fill out the insurance form, the car owner needs to prepare the following documents (Clause 3, Article 15 No. 40-FZ):
- Passport of the owner of the vehicle and passport of the policyholder if it is more than one individual.
- A certificate confirming the registration of the car or car passport.
- Driver's licenses of those persons who have the right to drive a vehicle (this is necessary if the insurance is limited).
- Valid diagnostic card.
Important! The need for a signature on the received document must be taken into account. An alternative signature option is an electronic key, which can be ordered from specialized organizations.
It may also happen that you cannot buy OSAGO car insurance online due to the fact that there are discrepancies with the RSA data. In this case, site representatives have the right to request a scanned version of the above documents.
Pros and cons of electronic insurance
Electronic insurance has both its pros and cons.
The main advantages include:
- the ability to purchase without leaving home, no need to waste time visiting an insurance company;
- lower cost because it does not offer additional features that are not always needed.
The disadvantages are problems with the operation of insurers' services for purchasing compulsory motor insurance online, and the presence of errors in the electronic database.
Considering that time does not stand still, this form of purchasing is the future. The electronic service will be improved, and these requirements are also imposed on auto insurers by the state.
