Sample form of MTPL insurance policy
It has changed in 2021. This happened because there were many counterfeit policies on the auto insurance market, and the old form did not have the proper level of protection against counterfeiting. After the decision to replace it, the number of fakes decreased noticeably. Let's try to figure out how old and new auto insurance policies differ.
The old MTPL policy can be downloaded as an example from the website of any insurance company. However, it will be useful for any car owner to know the difference between the new and old forms. It should be noted here that the difference is noticeable not only in the design of the document, but also in the required fields.
How to file an accident under the e-OSAGO policy
The process of applying for a policy via the Internet is possible if you have an online mode and enter the necessary information about the insured car.
An electronic policy can be obtained after visiting the company’s website; the owner has the right to contact the insurer who served him previously, or order a policy from a new company that has more favorable conditions. First, you need to register on the insurer’s website and submit an application to receive a policy. After specifying the data and checking it, you will receive an SMS message on your phone containing a special code to access your personal account.
According to federal laws, the driver must inform the policyholder in writing about all changes to the information included in the policy, however, in practice, failure to comply with this point can avoid punishment, since there is no officially established deadline within which all changes must be reported.
The exception is cases when, due to changes in information, the risk of an insured event changes. In such a situation, the insurance company may refuse to pay, because the amount that must be paid under new circumstances is sometimes very different from what was specified in the contract before the data changed.
Many car owners are interested in the question: how to add another driver to the electronic policy document. In this case, such possibilities depend on the conditions of the insurance company.
Many insurers provide their clients with the opportunity to correct data online via the Internet. However, the insurance company often requires you to appear in person at the office to make changes.
What data does a modern policy include?
The front side contains the following fields:
- Header – full name of the document, including series and form number. There is also a barcode and QR code here.
- Insurance period – the start and end date of the insurance contract;
- Information about the policyholder – the company with which the contract was concluded;
- Information about the car owner - information about the person with whom the contract was concluded;
- Car data – model, make, year of manufacture, engine power, etc.;
- The list of persons admitted to management may be limited or unlimited;
- Price;
- Base rate and applied odds;
- Special notes (optional);
- Signatures of the parties to the agreement.
On the reverse side of the KKK series, fields have appeared for information about additional insurance options. The form itself has 12 color shades, ranging from yellow to lilac. To protect against counterfeiting, watermarks and a metallized strip are used. By scanning the QR code, you can quickly obtain information about the insurer that issued the document.
How will the inspector check e-OSAGO?
The traffic police inspector must check the fact that your liability is insured through a special resource in the network of the Russian Ministry of Internal Affairs or the RSA service. To do this, you need the VIN number or registration plate of the car.
However, the inspector may still ask you to show a printed policy. Keep a printout in your glove compartment just in case. It is also useful to have a copy of the policy on your phone or tablet.
If the policy is in front of you, you can conduct a visual check of the compulsory motor liability insurance policy. Please pay attention to the following elements of the form:
- The size of the OSAGO policy is slightly longer than a regular A4 sheet, about 5-10 mm.
- The entire area of the policy must have RCA watermarks.
- There are inclusions of red fluff on the OSAGO policy.
- On the back of the policy, a vertical metal strip is clearly visible, and the raised digits of the form number can also be felt with a finger.
After you have issued and paid for an e-OSAGO policy, it is recommended to check its validity using the RSA database.
To check, go to the service page for viewing information about the MTPL agreement. Enter the vehicle VIN and registration plate. The result of a successful check is a report containing the policy number and company name.
If the policy data in the PCA database does not match yours or the verification did not pass at all, then most likely you were sold a fake policy. Contact the insurance company on whose behalf the policy was issued to you.
You most likely will not be able to get your money back for a fake policy. Write an application to the RSA with all the details of issuing a fake policy. At the very least, this will help block the fraudulent site and save other motorists money.
Insurers do not openly criticize the central bank, but imply that it is too many years ahead of the curve. They believe that it will be inconvenient for the car owner to purchase an electronic version of the policy.
Experts believe that insurance companies do not want such an introduction of electronic insurance, since with state-controlled tariffs they will not be able to include losses due to fraud.
The Bank of Russia officially announced that from January 1, 2021, insurance companies are required to provide electronic services for issuing policies throughout the country. This will be enshrined in amendments to laws.
Electronic policies began to be issued in the summer of 2015, but so far their issuance is only the right of the insurer, and not an obligation. Currently, policies are issued by not many insurance companies that have the appropriate license.
On the RSA website there is a database with all drivers who have insured their cars with MTPL: the traffic police use it to check the information provided by the driver.
By entering the vehicle data, the inspector will receive information about whether the driver has auto insurance.
Sample of an electronic policy
A blank electronic policy can also be downloaded from the insurance company’s website in PDF format. In terms of external design, the document does not differ from its paper counterpart. There is also a barcode and a QR code, and all the fields listed above are available. To download a policy with a stamp and not purchase a fake, you need to remember one important point. Such forms always have the XXX series - the number is assigned by a computer, which guarantees uniqueness. There are no other types of protection for e-OSAGO: the duplicate is printed on a regular A4 sheet, in color or black and white.
If you still have questions, send a request and we will advise you
Documents to be saved
To correctly fill out any form, you need to prepare several documents that every vehicle owner has on hand.
You will need:
- personal passport;
- document for the car confirming ownership;
- driver license;
- received compulsory insurance contract.
Please note that the insurer may request all of the listed documents in the original. When receiving information online, you will need to take high-quality photographs of the documents and send them to the insurer at the specified email address.
What does the printed version of e-OSAGO look like? It is very similar to a unified insurance form, the data is located on both sides.
On the reverse side you can see a long electronic key (signature), which consists of a large set of numbers and letters.
To summarize, we can say that the new laws oblige drivers to carry a printed e-MTPL in the car and present it to a traffic police officer for verification. When the driver does not have proof of insurance, the inspector has the right to count this as an administrative offense. Thus, it is more correct to carry a printed OSAGO insurance policy with you, then there will be fewer problems with the servants of the law.
We have figured out what a new type of MTPL policy looks like in paper and electronic versions, now let’s talk about the documents that are attached to it.
Image 10: Receipt for insurance premium (Form A-7)
Each insurer may have its own color and size of the form. But it must indicate:
- Number and series.
- OKPO, INN
- Name of the insurer.
- Policyholder details, etc.
The receipt must have a round seal from the insurer.
Image 11: Insurance contract
The following are stated here: the subject of the agreement, the rights and obligations of the parties and other conditions. The agreement is concluded exclusively in writing.
Now you know what a new MTPL policy looks like, a payment receipt and a contract, and you can safely take out insurance. To find out the exact amount, use our calculator on the page for calculating the cost and purchasing an MTPL policy.
Program for this purpose
This program is designed to fill out OSAGO forms. It will be an indispensable assistant for employees and insurance agents of insurance companies who carry out the insurance registration procedure.
This program is called “MTPL Policies version 1.0.9”. It is quite functional and provides the ability to keep records of the calculation of insurance premiums in several areas, store information on policyholders and insurers, and save statistics on issued MTPL policies.
This program has many templates suitable for most forms of filling out forms, typing and printing receipts and statements. In particular, it uses a Microsoft Word template, and also has the ability to create and save your own templates.
An extensive database of libraries (databases) is downloaded on the official website of the developer of this software. It is also possible to work via the network.
Is it valid when printed online?
A printed OSAGO policy online is not a policy as such. However, this document confirms the fact that you have auto liability insurance. If you want to give such a document legal force so that the traffic police officers no longer have unnecessary questions for you, you need to go to the office of the insurance company and certify the printed document with the seal of the organization and the signature of its employee. In this case, the printout will be equivalent to the real OSAGO form.
Find out more about whether e-OSAGO is valid here, and in this article we told you how to use the electronic version of the policy.
Can this be done on a printer?
At home, drivers can print out the MTPL policy on a printer . Such actions are not prohibited, because it is important to convey not the color of the document, but its meaning and the information printed in it. It is better if the printer is black and white, this will help you focus on the data without being distracted by colors.
