Why can’t I issue an electronic MTPL policy via the Internet online?

What is e-OSAGO?

Many car owners do not fully understand what e-services for motor vehicle insurance are, especially what legal status these documents have. Older people (usually over 45 years old) are distrustful of the possibility of electronic car insurance. They have many questions: what is an electronic MTPL policy? Is a paper version required? Can e-OSAGO even be called a document?

E-OSAGO is an electronic version of the MTPL policy. You can apply for it online on the official website of the insurer right at home. This type of insurance is ideal for those people who live at a great distance from insurance companies.

Reference. According to clause 7.2 of Art. 15 of the Law “On Compulsory Motor Liability Insurance”, all insurance companies that have a license must, by law, provide the opportunity to issue a compulsory motor liability insurance policy via the Internet.

In addition, the electronic MTPL policy has a number of features:

• it does not have a paper duplicate, such a policy can only exist in the virtual world (what does such a document look like?);
• if the driver keeps a photocopy of the electronic policy with him, then this paper will not have legal force (how to use e-OSAGO correctly?);
• To confirm your e-MTPL policy, you will need to contact a special database.

In fact, an electronic MTPL policy can be compared to money on a bank card: it is not visible, but it exists.

Problems with registration of compulsory motor liability insurance online

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Next year the cost of compulsory motor insurance will be:

The calculation begins by determining the base tariff for your region.

More information about the values ​​of the coefficients can be found here, OSAGO coefficients

Does this type of insurance work?

For the first time, the opportunity to issue an MTPL policy via the Internet appeared in July 2015, but it only concerned the renewal of existing insurance. However, starting from October 2015, insurance organizations were legally required to provide the client with the opportunity to purchase an electronic policy if he so desires.

Today, online insurance has gained very great popularity. At the same time, despite the fact that a fairly decent mass of the population has not yet switched to this method of purchasing compulsory motor liability insurance, many car owners have already managed to appreciate the true advantages of this option.

Application for MTPL payments Rosgosstrakh Online

Attention! Application cannot be made online. This is clearly stated in the penultimate paragraph of Part 1 of Art. 12 Federal Law No. 40. That is, the application and documents can still be submitted electronically, but solely for the purpose of checking the completeness (and not to receive a payment). But you can notify the RGS about an insured event under MTPL online (just notify, nothing more).

Thus, the application and documents are needed:

• or deliver in person;
• or send by mail.

There is confirmation of this in ab. 5 hours 1 tbsp. 12 Federal Law No. 40, which says about personal appeal and mail, but says nothing about the possibility of submitting documentation via the Internet.

Are there any difficulties with the electronic vehicle license?

Despite the many obvious advantages of an electronic policy, sometimes when taking out this insurance, a car owner may still encounter a number of problems. In particular, the difficulties that arise when applying for compulsory motor liability insurance are primarily due to the fact that this system is still very young and has not been fully established.

Mostly, malfunctions that occur are associated with technical imperfections of the system , as well as errors made by the policyholders themselves.

Pricing for eOSAGO

The issuance of the policy is dictated by law. Every year the Government of the Russian Federation reviews the current tariffs. The established prices are mandatory for all insurers, regardless of the region of actual location.

Important: there are no discounts on policies. Insurance does not provide for the participation of policyholders in promotions and bonus programs. If a car owner is offered to take out a policy at a discount or at other, non-state rates, then these are the actions of scammers. Insurers are prohibited from pursuing their own internal pricing policy in the direction of issuing OSAGO and eOSAGO policies.

The only exception is the reduction factor for accident-free driving (abbreviation - KBM). Having driven with insurance for a year without an accident, the car owner expects a reduction factor to apply when paying for the next (new) policy. KBM is not the prerogative of Rosgosstrakh. It is prescribed by the Insurance Rules and is mandatory for all companies without exception.

Companies are allowed to set their own base tariff, which is applied when calculating coefficients in relation to each policyholder and his vehicle. The base tariff is also set in accordance with the recommendations of the Government of the Russian Federation.

In one region of a particular car owner and vehicle, the price for eOSAGO is the same for all insurance companies. To confirm this point, the tariff schedules of several insurers are compared simultaneously.

A legal price reduction is provided by reducing the terms of the insurance policy. The shorter the insurance period, the lower the cost of the insurance policy. If there is not enough money to purchase a policy for a year, motorists reduce the time frame, thereby reducing their expenses.

Documents for issuing an MTPL policy

• Application for concluding an agreement in the prescribed form.
• Certificate of state registration of a legal entity (for legal entities) or identity document (for individuals).
• Documents for the car (passport, registration certificate, vehicle registration certificate, technical certificate).
• Licenses of drivers authorized to drive a vehicle (if specified in the MTPL policy).
• Diagnostic card, maintenance or state inspection certificate (in accordance with the Federal Law of the Russian Federation No. 170 of January 1, 2012).

When does Rosgosstrakh make payments under compulsory motor liability insurance?

Repayment of insurance amounts upon recognition of an insured event occurs if damage is caused:

• property of other persons on the part of the person responsible for the car accident;
• another vehicle;
• health of road users.

Therefore, OSAGO is a civilized way out of a forced situation for all participants in an accident. The guilty driver has a chance not to pay the entire cost of the damage, and the injured party has the opportunity to compensate for losses as soon as possible.

Online registration of an eOSAGO policy

Insurance rates of eOSAGO are formed based on the results of risk analysis, statistical data and expert assessments. The insurance company has the right to set its base tariff within the price corridor.

Fast

You issue an electronic MTPL policy through Rosgosstrakh without queuing or going to the office, it is immediately sent to your email.

Comfortable

Your policy is always available in your personal account, by e-mail or Passbook/PassWallet on your smartphone.

Reliable

More than 140 points for settling losses under MTPL in Russia are ready to provide support in case of an insured event.

What it is

RGS is a financial company considered by many to be a leader in the insurance services market. It has been working faithfully for almost 100 years, since 1921.

Initially, Rosgosstrakh was a completely state-owned enterprise. After some time, the shares were put up for sale. Throughout the entire period of its activity, the insurer:

• opened offices throughout the Russian Federation;
• training 40,000 agents to sell products based on customer needs;
• opened about 300 claims settlement offices.

As of 2021, Rosgosstrakh is a large holding company, which includes:

• Non-state pension fund;
• Bank;
• Life insurance.

A financial institution develops and offers new products and services to its clients. If previously it was possible to find out the status of an insured event under compulsory motor liability insurance at the RGS in person in the office, now this service is available remotely, via the Internet.

When a driver gets into an accident, he or she tries to quickly settle the case and get money. For most people, visiting an insurer's office is not only a lot of stress, but also a waste of personal time.

As soon as the injured party submits documents to the insurer's office, a case is opened and an individual number is assigned to it. It is by this number that you can subsequently obtain all the necessary information.

According to the Uniform Rules, the insurer has a certain amount of time to process the claim and transfer the money. If you miss the payment deadline, you may be entitled to a penalty.

Not every driver can take half a day off and go to the RGS office to get the necessary information. It turns out that this information is necessary for those clients who want to save their time and be aware of their business.

Why you can’t apply for e-OSAGO: possible problems and their solution

So, as noted above, sometimes car owners cannot make electronic compulsory motor liability insurance by already contacting the appropriate website. Let's try to understand the difficulties that arise in more detail and find the main ways to solve the existing problems.

It is impossible to load the official page of the selected insurance company

It should be noted that sometimes a similar situation can be observed towards the end of the year, when many car owners' MTPL insurance expires and they seek to urgently renew it. To solve this problem, you can take the following actions:

1. Reload the page.
2. Try to log in a few hours later.
3. Postpone the purchase of the policy until another day (if possible).
4. Apply to purchase an electronic policy on the website of another insurance company. You will find a list of the best insurance companies where you can apply for e-MTPL here.

IMPORTANT! To avoid such a situation, it is advisable to worry about insurance renewal in advance, without leaving everything until the last day. You can extend your MTPL policy 30 days before its expiration.

I did not receive a letter with the code required for authorization on the insurer’s website

Solution:

1. Check your spam folder, as sometimes some emails end up there.
2. Double-check that the email address you provided is correct.
3. Wait a little.

After purchase, the policy did not arrive in the mail

In this case, the following actions must be taken:

1. You should wait for some time.
2. Check your spam folder.
3. Write an appeal to the insurance company's email address.

When choosing an insurance company to purchase compulsory motor liability insurance on the Internet, you should first verify the authenticity of the insurer’s website. This is explained by the fact that today there are quite a decent number of scammers and clone sites that will scam you out of money for insurance and, of course, will not send you any policy.

Insurance company website won't load

The main page of the official website of the selected insurance company most often does not load towards the end of the year. During this period, many car owners' MTPL agreement expires, and they all try to urgently renew their insurance. At the same time, the load on the system increases and it fails.

E-OSAGO: we tested 11 insurance companies and 4 aggregators

If the vehicle for which a compulsory car insurance policy is supposed to be issued belongs to a legal entity, then the required package of documents includes:

• company representative passport
• power of attorney for registration of compulsory motor liability insurance issued by the head of the organization
• copy of the legal entity registration certificate
• documents for the car. When insuring passenger vehicles, a title, registration certificate (if available) and a diagnostic card are required. When insuring freight vehicles, an additional document is provided that serves as the basis for the emergence of ownership rights

To apply for a vehicle title online, you must:

1. Log in to the official website of the insurer (lately you can log in to the site through the State Services portal). If access to your personal account is not previously opened, then at the first stage a new user is registered. To do this, indicate in a special form:

• email address
• mobile phone
• User's full name and date of birth
• details (series and number) of a civil passport
• consent to the processing of personal data
• To identify a new user, you are additionally required to attach a scanned copy of your ID card

Unfortunately, the system for issuing a compulsory car insurance policy currently remains far from perfect, which leads to errors.

The most typical ones are:

• no discount for accident-free driving (the bonus-malus coefficient is not confirmed). If there are no accidents in the previous insurance period that occurred through the fault of the policyholder, then a discount on compulsory motor liability insurance is provided annually in the amount of 5% of the cost. Data about all drivers is in the RSA database. If, when applying for a policy, the BMR is determined incorrectly, then you can conclude an insurance contract and correct the data in the database only by personally contacting the office of the insurance company. Previous insurance policies will be required for proof;
• the diagnostic card does not pass. As a rule, such problems arise when taking out car insurance for vehicles over 3 years old. Delays in the database may be due to human factor or maintenance in a company that does not have a license to carry out this type of activity;
• The site is not working. To ensure correct operation, technical work is carried out weekly on the official website of the insurance company. You can start applying for a policy later or contact the insurer’s office in person;
• Applications for insurance of a new car that is not registered will not be accepted. The cause of the failure is technical problems in the system. To resolve the problem, you can issue a policy at a later time or contact the insurer’s office.

Very often, drivers are afraid that if there is a technical error in the MTPL policy, the insurance company may refuse to pay compensation. In fact, this is false information.

According to the unified 40 Federal Law “On Compulsory Motor Liability Insurance”, the insurer is obliged to transfer funds to the victim, even if the insurance policy contains inaccuracies in the data. In this case, it does not matter at all how the motor vehicle liability form was purchased.

Attention! If you misspelled a number or letter, the insurance company cannot refuse payment. Otherwise, you should receive an official refusal and go to court.

However, if, when filling out an electronic contract, you deliberately underestimated the power or indicated your regional registration in order to save money, then you will not be able to avoid liability. In this case, the organization:

• refuses payment;
• can prepare a statement to the police against the policyholder, in fact fraud.

In this case, no one will figure out whether false information was provided intentionally or through negligence.

There may also be problems with the traffic police officer. According to the law, employees verify the data in the policy with the original documents. If discrepancies are identified, a fine may be issued. Of course, you can always try to appeal it, but this will involve additional expenses and time. As practice shows, the amount of the fine does not exceed 500 rubles.

In what cases can you not get electronic insurance?

There are some restrictions that do not allow a car owner to use electronic insurance services:

1. The car and its owner did not enter into an MTPL insurance contract during the past year. As a result, you will not be able to buy a policy for a new car, as well as a used one purchased from another owner.
2. The car has not undergone a service inspection; information about this is not available in the EAISTO database.
3. The car owner replaced the documents:
   driver's license;
4. personal passport of a citizen of the Russian Federation;
5. changed permanent registration;
6. changed the license plate number on the car;
7. passport or vehicle certificate.

Why is it still impossible to buy an OSAGO policy online:

• the elementary reason is the driver’s lack of access to the Internet;
• the name of the car owner is blacklisted by the insurer; he is listed as an unscrupulous client;
• the applicant cannot make payment using a bank card or electronic payment system;
• the previous contract continues to be valid, its validity has not yet expired, a replacement can be carried out a month before the end of the already issued insurance.

But usually what prevents a car owner from insuring his car online is an error on the insurer’s website due to incorrectly entered data or a malfunction in the insurance company’s system. To resolve the issue, you can go to the website of another insurance company or report the problem to the manager.

While the online insurance system is developing, various problems with the websites may occur. There are still small organizations that have not had time to prepare and create a modern system for issuing policies on the Internet.

If you can’t insure your car on one platform, try doing it on the resource of another insurance company. When the system is debugged, drivers will receive significant advantages compared to the standard method of concluding a contract at the insurer’s office. It will be possible to obtain an MTPL policy without leaving your office or home.

Cause of "errors"

An expert and lawyer in the field of auto insurance, Sergei Belyakov, in a conversation with Izvestia, expressed the opinion that the overwhelming majority of errors associated with the termination of contracts arise due to the deliberate actions of policyholders. At the same time, Belyakov believes that some drivers have to take such steps, because otherwise insurance companies simply refuse them - first of all, this applies to taxi drivers and residents of problem regions.

“Taxis are an unprofitable segment; many simply do not insure them,” explains Belyakov. — There are also problem regions, for example Ulyanovsk, Ingushetia, Vladivostok - there insurers do not want to work in any way and are trying to cancel contracts in the hope that they will not be dealt with for a long time or sued. But mostly drivers really try to lower the premium consciously, and the easiest way is to reduce the amount of horsepower. They round them down rather than up in the hope that this will not be noticed. Another common mistake is changing the registration address. For example, a driver took out a policy in Kostroma, got insured and moved to Moscow, where he registered. Of course, in Kostroma the coefficient will be lower, but the insurance works at the registration address of the policyholder, not the car.”

There was an error

Photo: IZVESTIA/Alexey Mayshev

Belyakov clarified that some drivers are not serious about filling out the form, although it is no different from drawing up an agreement in the office, the expert concluded.

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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.

1. 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. Usually, well-functioning sites mark in red the fields where errors were made. If the data was entered correctly, but payment is still not made, this means that the problem is in the electronic resource.
2. 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.
3. 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.
4. 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).
5. 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.
6. 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.
7. 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.
8. Limitation when choosing payment - this problem is created by unscrupulous insurers. Not every person has a Qiwi wallet, WebMoney, and so on.

How to solve a problem

Naturally, car owners are interested in what to do if they have not passed the PCA test and the site displays the corresponding error.

Here you need to act based on the specific situation, since the entered data may not pass the PCA check for various reasons, which we have already managed to find out.

Let us consider separately several of the most likely scenarios, which will largely allow us to get an answer to a question that is so pressing for many motorists.

Errors when filling out the form

The most common scenario is when the user simply incorrectly enters information into the online application to be filled out in order to obtain an MTPL policy.

If, when visiting your personal account and after sending a request, you see an error warning on the screen, you need to follow these steps:

• First, carefully review all the information you filled out. There is a high probability of errors, blots, and corrections. If inaccuracies are still found, correct them and resubmit the review request;
• Errors on the part of the insurance company also cannot be ruled out, since people also work there. When there are deliberately incorrect parameters in the database, then when a new policy is issued, they will not be able to match. Here it is better to contact technical support, find the error in the database and fix it;
• In theory, you can leave everything unchanged and fill out the policy with the same errors that are present in the general database. But this is a potential risk, since during verification the fact of the presence of an inaccuracy may emerge, and the policy will be declared invalid. This is possible during proceedings after an accident.

If no problems were found with filling out the form, you can move on to the next potential causes of the error.

Incorrect information about experience

The policy must include information about your driving experience. And its incorrect indication quite often becomes the cause of an error in the PCA.

The advantage is that such a blot is simple, and it is quite easy to eliminate it. You will need to consider the following points:

• Try to indicate not the actual driving experience, but the date of issue of your current driver’s license. Often such a measure helps solve the problem;
• If the previous method did not produce results, use the selection method. That is, alternately enter different years from the moment you received your driver’s license. The role only plays for a year. The month doesn't really matter here.

Such actions usually allow you to correct the error and receive your electronic policy.

Registration problems

You will also not be able to pass the check through PCA if you do not complete the authorization procedure correctly.

https://www.youtube.com/watch?v=rRdTW_mrvCY

In this regard, drivers and representatives of insurance companies give the following recommendations:

• carefully check the entered data in the form of login and password;
• re-login from the main page of the site;
• if necessary, use the password recovery form;
• if the information is correct, you have probably been blocked from accessing the site.

In the latter situation there is only one way out. You need to contact representatives of the insurance company, find out the reasons for the blocking and look for ways to solve the problem together with the organization’s employees.

Make and model are not verified

There is a possibility that the general database does not contain information about the make and model of the car that you own. The following procedures are performed here:

• Take the policy for the previous year, check the information with the current parameters being filled out;
• Often, it is according to the policy issued earlier that it is possible to correctly enter the name of the make and model of the vehicle;
• Take a look at PTS and STS. It is possible that there is an error in the car model index itself.

Usually nothing scary or complicated. Letters or symbols are simply entered incorrectly and do not correspond to the information that is present in the RSA database.

STS and PTS numbers

Here the reason is rather the inattention of the user who fills out the form through the site. The problem is that the fields for filling out information from the PTS and STS are located nearby. The names themselves are consonant and very similar. Therefore, a person simply enters information from the STS in place of the PTS, and vice versa.

This error occurs unconsciously. But it's very easy to fix. Just swap the parameters and submit the form again for review.

What to do if the site does not work: is it possible to complain to the insurance company?

To begin with, you should refer to the Bank of Russia Instructions No. 4191-U dated November 14, 2016, which describe the responsibilities of the insurance company to ensure the uninterrupted and uninterrupted functioning of official websites.

• The total duration of interruptions in the operation of the site is not allowed to exceed 30 minutes per day. If the limit is exceeded, a notice must be posted on the main page at least one day before the start of work, indicating the date and time of its start and end. Work can be carried out from 22.00 to 08.00 Moscow time no more than once a calendar month.
• The maximum recovery time is eight hours from the moment the outage is detected.

The main bodies for complaints are the Central Bank and the RSA , both organizations have electronic and paper appeal capabilities.

• The first thing to do in case of prolonged interruptions on the site is to screenshot the monitor screen indicating the date and time (you can take several images to prove a long-term technical failure or the impossibility of any of the operations).
• Next, go to the website of the Central Bank of the Russian Federation or RSA and describe in detail the essence of the problem and attach the photos you took.
• The last step will be to submit a complaint and wait for the results of the verification.

eOSAGO tariffs and bonus-malus coefficient (BMC)

Before submitting an application, most drivers try to independently calculate the cost of MTPL. It is extremely difficult to do this manually and correctly. When determining the tariff, the following indicators are taken into account:

• Total driving experience of all admitted persons.
• The age of all drivers included in the policy.
• Bonus-malus coefficient.
• Accident-free driving record for all permitted persons.
• Number of drivers included in the policy.
• The class of each driver - there are 15 driving classes in total.
• Vehicle registration region.
• Make and year of manufacture of the vehicle.

Bonus-malus (abbreviated as BBM) is a coefficient that affects the cost of an insurance policy. A coefficient is assigned to each driver. It reflects the driver's level of accident-free driving or experience. The CBM includes all payments under compulsory motor liability insurance that occurred before the client applied for a new policy.

When determining the cost of a policy, insurance companies are required to look at the MTPL history - information about the policyholder’s previous policies. This data is contained in the AIS RSA. Information is requested online when calculating the cost of an insurance policy.

The KBM includes information about insured events that occurred due to the driver’s fault. The information is retained after changing the insurance company for the entire driving experience. It is possible to improve the KBM only by accident-free driving for several insurance periods - it depends on the current indicator at the time of contacting the company.

Alternative options

As an alternative, you should try accessing the website of the desired insurance company from another computer, tablet or smartphone. It is quite possible that technical problems were the result of poor-quality communication between the insurer’s website and the user’s Internet provider.

Or let’s say an option where the insurance company selects clients, cutting off users from certain regions, for example, in which it suffers losses on auto insurance.

In this case, the user will have to disguise himself, that is, change the IP address. Search engines have detailed instructions on using proxy servers and other online camouflage methods.

But the smartest option would be to take out insurance in advance. Today, you can issue a new MTPL policy at the earliest one month before the end of the current contract. A month before the expiration of insurance coverage, you should start trying to purchase a policy from the right company.

Currently, the websites of many large insurance companies are really overloaded with people wishing to purchase e-MTPL. If you can’t issue a policy during the day or evening, then you can try to do it early in the morning or at night, when other users are less active.

In any case, even a few days of daily attempts to issue e-MTPL can bear fruit, because the functionality of the website of the desired insurance company will sooner or later be restored.

What should you do if an insured event occurs?

The Rosgosstrakh website contains a detailed procedure for action in the event of a reported incident. The first thing to do is notify the organization of the incident. Rosgosstrakh clients can do without calling the company by informing it about the accident through the insurer’s website. After completing this procedure, the user will receive a case number for payment.

Car owners can use the RGS online to find out the status of their insurance payment under MTPL, and in some cases the information will be available under a CASCO agreement. MTPL insurers can submit an online claim if a vehicle under warranty was damaged as a result of an accident, as well as citizens who have entered into a voluntary insurance agreement, with the exception of cases and attempts of theft, theft, fire and explosion. In other situations, Rosgosstrakh policyholders should contact the company’s specialists.

The liability insurer must indicate in the notice:

• policy number,
• Series and number of the civil passport,
• number of vehicles involved in the accident,
• time and place of incident,
• the degree of fault of the policyholder in the traffic accident,
• condition of the car after a traffic accident,
• select a claims settlement center from the list provided.

This procedure can be completed online if only the insured vehicle was damaged as a result of the accident. If the accident caused damage not only to the vehicle, but also to life, health or other property, and this information was entered into the report after the accident, call the insurance company's hotline.

Other design errors and ways to eliminate them

In addition to all of the above, we can also highlight the following factors that sometimes prevent the issuance of an electronic MTPL policy:

• Insurance cannot be purchased due to an error on the insurer's website.
  First of all, you should make sure that the entered data is correct, since if an error was made, the site will not be able to issue you a policy. If all the information is reflected correctly, but the system still gives an error, then most likely the problems arose on the site itself. In this case, it is advisable to contact another insurer or report your problem to the RSA website.
• Inability to purchase electronic insurance on the insurance company’s website.
  This circumstance is explained by the fact that the online insurance system is still at the development stage, so there are insurance organizations that are not yet ready to offer their clients such a service. In this case, you will have to buy insurance from another insurer or issue a policy at the office of the insurance company.
• It is also possible that all the data is entered correctly, but the payment does not go through the system (how to pay for e-MTPL via the Internet?).
  The reason for this may be problems with the website of a particular insurer. In this situation, it is advisable to contact another insurance company.

What requests does the hotline consider?

The list of requests that the hotline considers is limited. Owners of MTPL policies can contact the contact center of Rosgosstrakh regarding:

• clarification of information on the insurance contract;
• receiving a receipt for payment for services;
• informing about the occurrence of an insured event;
• search for the nearest branch;
• obtaining advice on insurance products.

If a Rosgosstrakh client urgently needs to contact representatives of the insurance company, contacting the support service is the fastest way to do this.

The 24-hour support service is most often called by policyholders who have been involved in an accident and want to report the incident as soon as possible. To report an insured event, it is more convenient to dial the short number 0530 than to look for the nearest Rosgosstrakh office. This is one of the best options for quick communication with an insurance company at night.

Where can I apply for an e-policy?

You can quickly purchase an e-MTPL policy today, where the method actually works. It is necessary to take into account the fact that, by law, only licensed insurers can sell electronic policies.

If you received an email with an offer to buy insurance from a broker (intermediary), and not from the company itself, then this could be either a fraudulent or a completely official offer. Either the driver will be provided with a fake policy, taking his money, or after clicking on the link, the car owner will be taken to the insurance company’s website, where he can safely buy the original OSAGO.

Some tips on how and where it would be better to purchase a policy:

1. Use the insurer’s website or the e-guarantor system.
2. It is advisable to carry out the procedure early in the morning, starting at 4-5 o’clock on weekdays. During this period of time, PCA servers are not so overloaded, so client requests are processed instantly.
3. If technical support for a small company’s website does not work 24 hours a day, then you can go to the resources of large insurers - Ingosstrakh or Rosgosstrakh, which work around the clock on weekends and holidays. Experts will talk about the features of the system and how to accurately issue an electronic policy.

Rosgosstrakh

On the Rosgosstrakh company website you will need to fill out a form to purchase insurance. Next, the system will ask you to upload scanned copies of the car owner’s documents. After a 20-minute verification, a universal link to the page where the calculation is carried out is sent to your email address. The message also indicates the sender's address and the subject of the letter.

After receiving the letter, you will need to go to the Rosgosstrakh website and log into your personal account. Then follow the link to the page to pay for the policy and complete the registration.

Ingosstrakh

The Ingosstrakh website offers slightly unusual navigation, although if you wish, you can quickly figure it out. First, a preliminary calculation of the cost of the MTPL policy is made so that the car owner can assess his own capabilities and the sufficiency of funds to purchase insurance. Then another form opens, in which you need to enter the necessary data about the car and its owner, after which the final calculation of the cost of the policy is carried out.

If you wish, you can solve all the problems that arise. If the car owner is a confident PC user, then there should be no difficulties with obtaining compulsory motor liability insurance.

Rosgosstrakh toll-free hotline number

The insurer's hotline allows car owners to quickly resolve many problems with the contract. One of the most common reasons why Rosgosstrakh clients contact the contact center is the implementation of an insured event.

In the event of an accident, all policyholders are advised to report it to the insurance company as soon as possible. The most convenient way to contact the insurer is to call the 24-hour line.

Hotline for OSAGO and CASCO

Rosgosstrakh has a single car insurance hotline for both CASCO and MTPL policy owners. To contact support specialists, you must call one of the following numbers:

• 0530 - for mobile phone owners;
• 8 800 200-0-900 - for motorists from any region of the country;
• 8(495)926-55-55 - for policyholders from the capital and region.

The waiting time for a response from contact center specialists usually does not exceed two minutes. To receive quick information on the contract or submit an application for payment, you must have with you the documents (passport, insurance, driver's license) required for identification.

Reviews of OSAGO in Rosgosstrakh

3 real reviews of Rosgosstrakh for OSAGO, study other people’s opinions about the insurance company. Leave your feedback about your experience of cooperation, we will publish it. I had an accident in the city of Arsenyev, I was right in the accident, I had a company Siberian Crane, I went to my company to submit documents, but alas, it went bankrupt and I had to go to the company of the culprit, a lot of effort and time was spent, but in the company Rosgosstrakh everything went very well quickly, arrived, handed over the documents in 6 days, they came to look at the car and after inspecting the car, the payment came within 13 days, I’m happy with the payment!

Kirill Arsenyev. Car enthusiast Hello everyone! This year I took out an electronic MTPL policy for myself from Rosgosstrakh Insurance Company (since I had previously insured there and was quite satisfied with the quality of service of this company). I completed everything the first time and without any problems, immediately after payment, I received the policy by mail, printed it out, threw it in the glove compartment and didn’t bother. The policy makes its way to the RSA, the KBM has changed, which means everything is fine with the policy. They stopped the traffic police, looked at the policy printed on a printer, no questions arose. Now I recommend it to everyone!

Natalia. On December 8, the car enthusiast received an MTPL policy from a branch of the company PJSC SK Rosgosstrakh without additional fees. I waited a while and checked the PCA database - EVERYTHING IS NORMAL. KBM, territorial coefficient - everything was taken into account. The line at the branch was one person long. Five years ago I could not get insurance from Rosgosstrakh without additional fees and had to go to another insurance company. This year, another insurance company began to throw a spanner in the works. PJSC SK Rosgosstrakh - keep it up!

What insurers say

PJSC IC Rosgosstrakh told Izvestia that the mechanism for terminating motor vehicle liability insurance contracts for providing false information has been working for a very long time. A break for a couple of months was taken only for the period of transition to AIS OSAGO 2.0.

All policies are verified: the data specified by the client is compared with those contained in government databases.

There was an error

Photo: TASS/Donat Sorokin

“Unfortunately, direct information exchange has not yet been established between insurers and executive authorities. Therefore, verification cannot be done during the time the contract is being drawn up. We have to do checks after the fact,” complained Alexey Volodyaev, director of the modeling and analysis department of PJSC IC Rosgosstrakh.

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According to a representative of Rosgosstrakh, the most common reason for terminating contracts is incorrect information about the purpose of using the car.

“For example, policyholders “accidentally” forget about a taxi license issued the day before. Or the vehicle category is incorrectly indicated - not all car enthusiasts remember that some SUVs are included in category C, and minibuses with more than eight seats are in category D, not to mention the fact that sometimes they try to classify popular crossovers in category A. There are also mistakes in indicating engine power, including its deliberate underestimation,” Volodyaev shared examples.

Rosgosstrakh also said that they terminate contracts when “it is obvious that there is a conscious and deliberate distortion of the data provided, or in case of serious errors - for example, if the engine power is underestimated by several horsepower at once.” On such grounds, the company terminates no more than 1.5% of MTPL contracts. In this case, approximately 0.03% is restored due to erroneous termination.

There was an error

Photo: TASS/Donat Sorokin

Sometimes drivers of rare or modified cars do not have the opportunity to select suitable parameters on the website, including the engine power of their vehicles. And here again there is a risk of falling into a trap. If the car’s parameters do not correspond to the data offered by the OSAGO calculator, Rosgosstrakh advises selecting the “Other vehicle” option and entering all the data manually or contacting the insurer’s office or agent.

Advantages of registration of eOSAGO in Rosgosstrakh

Registration of a policy without visiting the company’s office is not the main and not the only advantage of cooperation with Rosgosstrakh. The company has provided a system of profitable options and additional preferences for its clients. Delivery of the policy to the post office is faster than any courier delivery, which is still practiced by many insurance companies.

Existing policyholders can track the status of their payment case through their personal account. Notification of the occurrence of an insured event can be sent here, through a special online form. The company often responds to such requests faster than to a regular phone call.

Also, existing clients can cooperate with the company through a mobile application, which is available for download on all platforms. Through the application, you can interact with company managers and monitor the validity of your eOSAGO policy.

Legal discounts for accident-free driving

It was previously stated that there are no discounts on MTPL policies, and policies are not sold at reduced rates as part of promotions. The law allows for a system of incentives for drivers for careful driving and driving experience. At Rosgosstrakh, all these programs are taken into account when calculating the final cost of the document.

The company has a system of discounts, which it has the right to apply according to the insurance law. For every year of accident-free driving with a policy issued by the RGS, the client receives a 5% discount. Having driven a car for 10 years without major accidents, the policyholder receives a discount in the amount of half the cost of the eOSAGO policy.

Extension of eOSAGO

The RGS provides for the possibility of extending the electronic policy. The policyholder must comply with the deadlines for applying for this service. To avoid interruptions in insurance, renewal must be applied for in advance, but not earlier than 60 days before the end of the current policy. The rule was established by the Central Bank of the Russian Federation for all insurance companies.

Electronic MTPL is extended in a simplified form, through your personal account. Here you will not have to re-upload documents and provide information. All data is stored with the insurer, and there is no need to duplicate it.

Guaranteed authenticity of the policy

The probability of obtaining a fake policy through the company’s website is zero. To verify this personally, each policyholder can check the electronic document on the official website of the RSA, through a special form. Just enter the policy number in the search bar and wait a few seconds.

Electronically, the policy is issued on a BSO (strict reporting form). Rosgosstrakh does not use its own forms, as this is prohibited by relevant legislation. The policy contains all the necessary seals, stamps, watermarks, and its authenticity is verified online.

eOSAGO during temporary registration

The law allows for the issuance of an electronic policy if temporary registration is available. In this case, the policyholder must not have permanent registration in the Russian Federation. If the policyholder has two types of registration, then registration is carried out according to permanent registration in order to calculate the regional coefficient.

In principle, it is possible to insure a car without any registration. The service is also available to foreign citizens legally residing in the Russian Federation. Lack of registration and the right to drive a car should not be linked, so clients without registration also apply.