Since the middle of last year, car owners havethe opportunity to obtain electronic compulsory motor TPL insurance. This new method allows you to issue a document without queues and visits to the insurance company. The article deals with how to design an electronic MTPL policy and how it is convenient. The methods of obtaining it will also be studied in detail.
A document received electronically hasthe same force as paper. It can be brought in any place where necessary. Electronic insurance of OSAGO is made directly through the Internet directly in the company, that is, on its official website. Car owners today can, if desired, make an online purchase or drive to the office and purchase the document in the usual way.
Electronic insurance of OSAGO is ainformation that in a particular insurance company with an automobile owner a contract has been concluded, information about which has been entered in a centralized database. Such a record guarantees the provision of services in the event of an accident on a general basis.
After the motorist has issued and paid forinsurance, he receives an e-mail, where there is a policy in the attachment. The document must be printed out, and after that it should be signed in the designated column. Although the latter is optional. The insurance company uses a digital signature, attaching it to the document.
If you want to additionally insurecivil liability should be aware that in electronic form this is possible only if the insurance policy was drawn up in a similar way earlier and it is expected to extend its validity.
The price of electronic or paper OSAGO is the same. Although the electronic commission will not take into account the fee of the insurance agent.
There are calculators that will helpdetermine the cost of auto insurance. It depends on the capacity of the vehicle, the age and length of service of the driver, the locality in which the owner of the car is registered. For example, for a driver of 22 years of age, who has a management experience of about a year, owning a car with a capacity of over 100 horsepower and residing in Moscow, the cost in different insurance companies will vary from 14 to 16 thousand rubles. And for the owner of the car with the same set of data, but living in Khimki, the price of auto insurance will be about 13,800 rubles.
If we calculate the cost of such a service for50-year-old driver with a thirty-year experience of driving a vehicle up to 50 liters. with., residing in Saratov, the amount in this case will be no more than 4 thousand rubles.
The document received in electronic form isa new service of insurance companies for auto insurance. Many drivers are afraid of innovations and prefer a proven old way. However, for electronic registration you need very little.
How to register an electronic OSAGO policy step by step?
Be very careful when making your owndata in the application. After all, if there are mistakes in the policy, misprints and data that do not correspond to reality, this can cause the payment of compensation in the event of an accident will be refused. And in the best case, the process of receiving payment will be delayed.
The way of registration of the document the automobile owner chooses at own will. There are no obligations in this case. Convenience for the driver is of paramount importance here.
When filling out the electronic OSAGO, the price is chosenindependently, depending on the duration of the insurance or the availability of additional services. The insurance for compulsory motor TPL insurance in electronic form is available only to the UK. No brokers or agents can do this.
After the procedure is completed, the datacar owner as an insured are included in the information system of compulsory insurance. This system is automated. Thanks to it in the future, the procedure for concluding a contract will be much simpler.
It is clear that when you make insurance in this way, the car is not required to be inspected.
Before you issue an electronic MTPL policy, prepare the following documents.
All these data are available in electronic form, from whereinsurers and receive relevant information. Therefore, if the technical inspection has not been completed, you will not get a policy (although there are UK companies that help in this matter). If among the list of persons included in the contract there is one who does not have a driver's license, the result will also be negative.
Fraud in our country, alas, is not uncommon.Such offenders do not bypass the sphere of insurance. Forms are often counterfeited, and electronic MTPL of a company is even easier to falsify. How not to fall for the bait of scammers?
The rules of the road tell us thatwith the driver must have a driver's license, a certificate of registration for a vehicle, as well as an insurance policy of OSAGO. If the inspector of the State Traffic Safety Inspectorate demands a policy, the driver must provide a paper print of the insurance.
Of course, there will come a time when on every machineThe traffic police will be the terminal with which the inspector will be able to access the database to verify the document for authenticity. But as long as this does not exist, the paper equivalent of the electronic document must be with the driver.
There is a special system by which the car owner can verify the authenticity of the policy independently. After all, each insurance has its own unique number.
Insurance companies receive policy forms in the SAR.Therefore, by entering the policy number in the database, you can make sure the number matches the name of the SC. This way it is possible to take advantage not only of those who made out the electronic policy of OSAGO. Rosgosstrakh this, "Reso", "Consent" or any other SC - is not important, as is the method of registration. In other words, if the contract was concluded by the insured by coming to the office of any insurance company, authentication through the Internet in the RSA is also possible.
When the innovation began to work, all SCs began actively implementing this system. It is not difficult to understand how profitable it is for insurers.
They can significantly reduce staff. Reduces the cost of payment of wages and commission premiums. Do not try to open new offices and so on.
But not only for insurance companies, a new system is beneficial. Car owners, in turn, receive the following preferences:
In addition to the obvious advantages, which can not be disputed, as in any system, there are disadvantages in obtaining electronic polices. Let's consider some of them.
But all these shortcomings are not so significant.
More serious obstacle to the development of servicesthere may be inconsistencies that occur in the design of a service such as electronic OSAGO. VSK, Rosgosstrakh or any other company enter into a contract on the basis of data on documents.
It turns out, for example, that vehicle inspectionbecomes formal. Many of the UK provide an additional service, in which after the policy is issued, the operator who performs the inspection procedure is offered, without making claims, that is, simply to record the record in the database.
Inspector of the State Traffic Safety Inspectorate has no specialequipment that allows you to verify the authenticity of electronic forms. If the situation is stressful, it can lead to a conflict between the driver and the guardian of the law. Everyone says that the electronic policy of OSAGO (Rosgosstrakh, Soglasie, Reso, AlfaStrakhovanie and all other insurance companies) replaced the paper equivalent with an electronic signature. Therefore, some drivers, without having a paper version, refer to this discrepancy. At the same time, you should be aware that, despite the electronic signature, it is because the traffic police officers do not have the ability to check this information so far, that drivers are required to carry a paper equivalent with them. Otherwise, the person will be fined 500 or 800 rubles.
There are questions and when registration by drivers of road accidentswith the help of the europrotocol. The specified document and the way of registration of road accidents are intended to improve the situation on the road and to register a minor traffic accident without the participation of the inspector of traffic police. At the same time, if one of the drivers has electronic OSAGO, VSK for example, how can another participant of an accident be convinced of its authenticity? It turns out that the norm, designed to simplify the procedure for registration of accidents, in such cases is completely lost.
Let's hope that such shortcomings are coming soontime will be solved. After all, the ability to order the OSAGO e-insurance online is really very convenient. And this is sure to be appreciated by many car enthusiasts in the near future. Then it will make life easier not only for insurers and insurers, but also for traffic police officers.
We examined how to issue an electronic policyOSAGO, were convinced of its simplicity and many advantages of the system. They touched upon the shortcomings and pitfalls that are still available in connection with this innovation.
On the basis of the above, each car ownerdecides for himself: whether to adhere to the policy in the old fashion or switch to electronic OSAGO. AlfaStrakhovanie, Rosgosstrakh, Reso, VSK, Soglasie and many other SK are ready to render this new service today.
