Features of the electronic OSAGO policy
An electronic policy differs from a paper policy primarily in that it exists only in the form of a secure PDF file. It is issued on a special form of the XXX series. The policy contains all the required data - information about the owner, policyholder, drivers, cost of the policy, and so on.
An electronic MTPL policy has the same legal force as a paper one. It can be used to file an insurance claim and be presented to traffic police officers. The procedure for calculating the cost of an electronic policy is the same as for a paper one. It takes into account all the indicators and coefficients prescribed by law.
It is not possible to issue an electronic MTPL when purchasing a new car, since information about it is not yet in the RSA database. Therefore, the first policy for a new car can only be obtained at the insurer’s office.
What do you get when you apply for E-OSAGO?
Upon successful registration and purchase of an electronic MTPL insurance policy, the company sends a PDF file with the E-MTPL policy by email.
No, it's not lost.
When calculating the cost of an electronic MTPL policy, the same adjustment factors are applied as in a traditional paper policy. This includes a discount for accident-free driving - the bonus-malus coefficient.
The amount of the bonus-malus coefficient accumulated at the time of registration of the MTPL policy is determined through the AIS MTPL system, taking into account the accident history.
Example. The driver drove for 5 years without an accident. Over the past year, the insurance company has not made payments for accidents that occurred due to his fault. Consequently, when concluding a contract for 6 years, the driver will be assigned class 8. For grade 8, the KBM coefficient is 0.75. Or a 25% discount on the cost of an electronic OSAGO policy.
First you need to decide which insurance company to buy the policy from. A list of insurance companies that provide MTPL insurance services can be found on the website of the Russian Union of Auto Insurers (RUA). From January 1 of this year, the possibility of registering an E-OSAGO became mandatory for all insurance companies operating in the auto insurance market, and those who do not comply with the condition are fined.
Next, you should register on the website of the selected insurance company. This can be done by logging in through the government services portal or by entering your email address or phone number in the form on the website.
Receiving an electronic policy
To apply for an electronic MTPL policy, use the form on the official website of the insurer. In the application, indicate the details of the vehicle, its owner and drivers who need to be included in the insurance. Select the desired policy options - for example, periods of use.
To apply for insurance online, you will need the same documents as usual:
- Policyholder's passport
- PTS and STS of the car
- Diagnostic card
- Driver's licenses of all persons who need to be included in the policy
If required, attach scanned copies of the required documents to your application.
After reviewing the application, the insurer will study the information provided and calculate the insurance premium. If he has no claims, you can pay the cost of the policy in any convenient way. After payment, the insurance company will send the policy to the email you specified in the application.
What is required to be presented to the traffic police?
After the introduction of electronic insurance policies, a separate system for verifying the authenticity of documents appeared. Traffic police officers are given work tablets connected to RSA databases, where policy data is entered. Using a tablet, the inspector can check the policy against the database - all you need to know is its number, the name of the insurer and the car number.
To present an electronic policy, download it to your smartphone or tablet. Install a PDF viewer on your device if you have not already done so. If the traffic police inspector asks you to show your policy, you will need to open the required file on your device. After this, the inspector will be able to check the document using the RSA database.
However, not all traffic police officers have the equipment to check electronic policies - this is especially true in remote regions. In addition, many inspectors still do not trust electronic documents. For such cases, you will need to print an electronic policy. You will be able to present it in situations in which electronic insurance cannot be used.
What to show to traffic police inspectors
Car enthusiasts often wonder: what should they show to a traffic police officer? The law establishes fines for the absence of a form in the amount of 500 rubles.
However, when applying for online MTPL, a motorist can:
- show a printed black and white copy
- show photos on your phone or other gadget
The car owner can also verbally state that he has fulfilled his obligations and issued an electronic policy. No matter which method of providing information is chosen, the traffic police officer is obliged to:
- request a document for a car: PTS or STS
- independently check the information using the RSA database
The verification procedure is free and takes a few minutes.
Do I need to certify or sign an electronic policy?
The electronic MTPL policy is certified by the electronic signature of the insurance company. This is already enough to confirm its authenticity. There is no need to put any additional marks on it.
There is also no need to certify the printout of the electronic document from the insurance company. But you can do this to further indicate the authenticity of the document. The printout must be easy to read and the policy number must be on it - this is enough to check it.
How to use and show to traffic police inspectors
According to the law, if a traffic police or traffic police representative demands to stop a vehicle, the driver must obey. The document verification procedure is carried out to ensure road safety.
If a traffic police officer stops a driver on the road, he is obliged to request to show him the following documents:
- rights;
- documents for the car (PTS);
- OSAGO policy.
Not everyone knows how to present an electronic MTPL policy. The insurance must be legible and the number must be visible. If, due to poor quality, the inspector cannot see the numbers, then he has the right to issue a fine to the driver.
What problems may arise
The most common problem is the distrust of traffic police officers in electronic documents. The inspector may refuse to accept the policy or its printout, and issue a fine for the absence of a document. In this case, you must ask him to check the policy against the database. Lack of access to it is not a driver's problem.
You may also have doubts about the authenticity of the policy you have taken out. You can check it yourself using the RSA database. To do this, you will need to indicate the document number, name of the policyholder or VIN of the car. If the system reports that there is no policy in the database, this may mean that you purchased a fake document.
Information in the PCA is not updated immediately, but 3-5 days after purchasing the policy. Please take this into account both when purchasing the document and when presenting it to the inspector.
How to print the E-OSAGO form
Federal Law No. 40 “On Compulsory Motor Liability Insurance” states that drivers are required to carry the original insurance with them. Copies are not official documents . But what about those who purchased the electronic version?
A printed e-MTPL is equivalent to the original document ; it does not need to be notarized or confirmed with the seal of the insurance company. Although, if desired, you can carry out the last procedure.
You can print your car insurance at home on a color or black and white printer. When checking, the traffic police officer is required to verify the authenticity of the policy through the public RSA database by the number and series of the document or by the VIN and license plate number of the car.
When applying for insurance, indicate a real e-mail to which you have access, since the E-OSAGO form will be sent there. Download and print the resulting PDF file on any printer. If the document did not arrive by mail, you can find it in your personal account on the insurer’s website.
FAQ
Do I need an electronic signature to issue e-OSAGO?
An electronic signature for registration of compulsory motor liability insurance may be required only if the policyholder is a legal entity. In other cases, alternative methods of confirming the application are sufficient - for example, an SMS code. The requirements for an electronic signature are set by the insurer.
Is the cost of an electronic policy different from a paper one?
Since the electronic MTPL policy is calculated in the same way as the paper one, the cost of its registration will be the same. It cannot be higher or lower, since the law does not establish the dependence of the price of insurance on the method of registration.
What to do if the traffic police officer still fines you for not having a policy?
Fines for the absence of compulsory motor liability insurance in the presence of an electronic policy or its printout are illegal. You have every right to appeal them through the court.
What is an electronic signature for online MTPL?
An electronic digital signature (EDS) is an analogue of a citizen’s personal signature. With its help, electronic documentation is endorsed, and its integrity and authenticity are also guaranteed. The element allows you to authenticate the source of the message and control the process of sending the document. An electronic signature contains information about the sender, as a result of which the recipient of the document will be able to quickly identify him. It also allows you to determine the integrity of the file and its authenticity.
EDS can be simple or enhanced. To make a mark in the insurance contract, the policyholder, who is an individual, only needs to become the owner of a simple element. It is presented in the form of codes and passwords confirming the fact that the document was signed by a certain person. An electronic document signed with such a signature will be considered equivalent to its paper equivalent if all requirements regulated by law are met, as well as the terms of the agreement between its participants.
If the policyholder is a legal entity or individual entrepreneur carrying out activities with a seal, then it will not be possible to sign the document with a simple signature. In this situation, you will have to obtain an enhanced qualified or unqualified signature. It allows not only to identify the person who signed the document, but also to protect him from unauthorized changes.
The e-MTPL agreement must be signed by the insurer with a qualified (enhanced) digital signature. On the part of the policyholder, in some cases, such a signature may be considered the password and login entered when registering on the insurance company’s website or directly a confirmation letter from the electronic mail address of a citizen wishing to purchase e-MTPL. These provisions, explained by the Ministry of Telecom and Mass Communications of the Russian Federation, are considered valid only by mutual agreement of the parties entering into the contract.
Sources
- pravoved.ru: Stamp on the electronic OSAGO policy
- autonews.ru: Fines for electronic compulsory motor liability insurance: driving without a printout is dangerous
Recommended for you
- How to check the authenticity of an OSAGO insurance policy
- Is it possible to obtain an MTPL policy in advance?
- How to determine the MTPL insurance class
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