How to add a driver to an electronic insurance policy? rules for issuing electronic CTP and making changes. Amending the CTP Policy
Progress does not stand still, usually changes are aimed at making life easier for people, but sometimes they cause difficulties.
For example, not all motorists know how to enter a driver into an insurance policy.
It is unclear exactly how to make changes, how to enter or remove a person from him, change data on a driver’s license, etc.
Here we will help you understand all the nuances.
Difficulties in issuing electronic policies
Previously, it was possible to apply for compulsory motor third-party liability insurance policy only at insurance institutions, you had to go there yourself with a huge amount of all kinds of pieces of paper and spend time.
Sometimes it seemed as if motorists were specially created difficulties. With the introduction of online clearance systems, it became easier to go through the procedure, but the question remained - how to enter the driver into the CTP insurance policy.
While not in all corners of the country due to the lack of the Internet, they introduced the opportunity to buy insurance policies on websites, nevertheless, at least 200 thousand Russian citizens managed to experience significant advantages.
The online process differs from the usual one in that it takes about 30 minutes. You will not be able to impose unnecessary services, threatening to refuse to execute documents.
As you can see, the electronic insurance option clearly has many advantages over the usual way.
The benefits of e-policy
As it was written above, the main plus is the speed of registration. It makes no sense to spend time and money on gasoline to get to insurers. No need to stand in line and spoil your nerves. Home decoration takes about 20-30 minutes.
Lack of any imposed services. Usually agents offer to buy more life insurance, health insurance, in general, everything that you do not need, but will make you spend on this savings. For insurers, this is a loss, but for ordinary motorists it is a huge profit.
E-policy can be printed on a simple sheet of paper, you do not need the original document. If the document is lost, just print it again. This solves the issue of paid renewal.
How much does online clearance cost?
It is not clear where the rumor came from that such a process is more expensive than the usual method. As mentioned above, CBM discounts are not lost, and no one will take them away; they act exactly the same as with the standard procedure.
To find detailed pricing information, just go to the insurer's website you need and use the calculator, there you will find out the exact cost.
Rules for registration
To do everything right, you need to take a few steps. Obviously, to begin with, you should choose a worthy insurance organization, then go to their page, create your personal account there.
Be very careful when filling out the form or when making changes. If you enter the wrong data, the minimum you will not pass the test, the maximum wasted money.
If you are interested in knowing how to enter a new driver in the OSAGO electronic policy, know that the simple introduction of additional data and the subsequent printing of the document will not be taken into account, moreover, the document will not have legal force.
To register you will need to specify:
- Name, date of birth, number and series of the passport;
- address of actual place of residence;
- mobile or home phone number (if you still haven’t disconnected it);
- your e-mail address.
Usually, after these steps, you need to wait for a while to check all the specified information, then instructions will be sent to your phone number or e-mail to enter your account.
Next, we arrange a car insurance, for this, specify the following information:
- Name, date of birth, passport number and series, address of actual place of residence;
- vehicle information: make, model, release date, information that the car has passed a technical inspection;
- driving license information for everyone who will be driving.
After a few minutes, a window will appear in front of you with the amount payable. You can pay in cash or by credit card on the insurer's website.
In the first case, you should call in the office and pay there, or there is still the possibility of calling the courier for payment.
Most still prefer to arrange insurance in the traditional way, since there is a distrust in the authenticity of the CTP insurance policy.
Motorists are afraid that if the document can simply be printed without any seals confirming the authenticity of the document, then how do you know if you have a real car insurance?
Verify that you are on the official website of the company.
Do not fall for the so-called discounts - they are not and cannot be, the prices are regulated only by the Central Bank of the Russian Federation.
Make sure that the insurance company of which you are a client does issue e-CTP. If not, then fraudsters act under her name.
Change data in the policy
There are times when mistakes are made when filling out official forms. At the moment, they are starting to implement the so-called “manual” verification of information by employees of the insurance company, however, like all people, they make inaccuracies.
There are cases of change of surname, this also obliges you to enter new data into the document. Or if there is a need to enter a new driver into the OSAGO electronic policy.
If you decide that such a procedure is not worth the time spent on it, and you can just let another drive a vehicle, then you are deeply mistaken.
Such a risk will not be justified, since anyone, even the most experienced, can get into a traffic accident. The document should contain all those who drive the car, only in this case they will be able to pay compensation in the event of an accident.
If this is not done, the driver will be required to pay a fine.
Remember once and for all, in no case can you independently make changes to the policy, this right is given exclusively to insurers.
If you do this and get caught with such a fake document by law enforcement agencies, you will be prosecuted. And with such a “fake” insurance no one will indemnify you.
Some insurance companies offer the ability to call an agent to make changes to the policy, for example, to enter the driver into the CTP insurance policy.
An insurance agent can come to your home or work so you don't have to waste your time. However, you definitely need to check if such a company really exists.
It is also worthwhile to find out if your insurers provide such an option, perhaps you can already use such a service.
How to enter a driver into an insurance policy
To enter a new driver in the insurance policy, you need to go to an insurance company, you need to take with you:
- current policy;
- passport of a new person;
- driving license of this person.
Insurance specialists will give you all the necessary forms to fill out, it is worth noting that if the policyholder cannot be present, he can draw up a power of attorney to make changes. She must be certified by a notary.
If you want to add an additional person to the insurance policy, you still have to pay extra for this. This is due to the fact that with a new driver the possible risk of an accident increases.
There are two criteria by which the price of insurance is calculated:
- age of the entered person;
- total accident-free experience of this person.
If you bring in a person who has a minimum driving experience or does not have one at all, then the amount will be maximum.
If the driver is experienced enough, namely, has a trouble-free experience of more than 3 years, and he is more than 22 years old, then the insurance institution will provide a discount for making such a person.
The easiest way is to use a special calculator that all insurance organizations provide on their website.
How traffic police relate to e-policies
The vehicles of the traffic police are not yet equipped with all the necessary technical devices, which means that they do not have the opportunity to check the document you provided in electronic form. In order not to create problems for yourself, it is best to print your policy.
How much does it cost to enter into driver insurance. The second and subsequent. Easy calculation. Just about complicated (video)
As you can see, entering a driver into the CTP insurance policy is not so difficult, the main thing is to know that only an insurance agent can do this. Also, before making a change to the insurance policy, you can easily find out the cost of such a service using the calculator on the insurer's website.
Each event in the life of a modern person is accompanied by the execution of certain documents. It is good that paper options are gradually becoming a thing of the past - this saves the owner from the eternal fear of losing the necessary paper. Electronic documents are more convenient, but making changes to them is fraught with considerable difficulties.
One of these problems can be created by the need to include a new driver in the OSAGO electronic policy. How to make changes and what needs to be done to do this is described in this article.
Electronic policy issuance: standard difficulties
The online insurance policy of MTPL was appreciated by the drivers of the whole country. The innovation was especially liked by the residents of problematic regions of Russia, where insurance companies simply refused to issue compulsory insurance policies, speaking about the loss-making nature of this type of protection.
The work of the "Single Agent" greatly simplified the lives of drivers. But after the first enthusiasm, standard questions began to arise about the use of the policy, its extension or change. In particular, one of the most popular questions on the Web: how to enter a new driver into the CTP insurance policy. Let's try to solve this problem.
Standard and electronic CTP: what is the difference?
The success of electronic policies is clearly confirmed by current statistics: more than 300 thousand people are already using a paperless option for compulsory motor liability insurance. Nevertheless, many drivers in the old manner prefer to always have a paper policy with them. This is especially true for people of middle and old age. It is mostly young drivers who prefer to issue an MTPL insurance policy online. And not in vain, because the benefits of electronic insurance certificate are quite convincing.
The benefits of e-policy
- The main advantage: speed and convenience of purchase. To issue online requires no more than 20 minutes. No need to waste time and gasoline in search of an insurance agent and stand in a long line. You can get an electronic version of the insurance certificate without leaving your apartment.
- Exclusion from the list of all additional insurance services. Now the insurance organization is forced to provide a “bare” policy, without imposing additional conditions. Perhaps this is less convenient for the company, but certainly beneficial for the driver. The problem of imposing life insurance was often proposed by agents in regions where getting a motor insurance was very problematic. Now to issue an electronic CTP insurance policy online without allowances is quite realistic.
- Another attractive feature of e-CTP is that you now do not lose the accumulated discounts and bonuses for a good ride, since all data about you as an insured person is stored in a single PCA registry. Therefore, even when changing the insurance company, the scheme for calculating discounts and bonuses will remain the same.
- The absence of an official form with a serial number is not an obstacle to the use of the policy. Now the document is printed on a plain sheet of paper. If the printout is lost or erased, you can print it again. Problems with the restoration (paid!) Of the policy are a thing of the past.
- It is no longer necessary to provide a ton of additional documents: all data about you and your car is available in the SAR registers.
If you are not impressed with the computer version of a motor citizen, and you are used to using policies on standard forms - that's okay. No one is going to cancel paper CTP
Online CTP Cost
It is believed that an electronic policy is more expensive than a paper one. This is not so: the system of bonuses and discounts acts on each car owner the same way, regardless of which policy he draws up: paper or electronic. In any case, on the website of each insurer there is an online calculator for calculating the cost of OSAGO. You will pay exactly the same amount as the numbers obtained from the calculations show. There you can get additional information, for example, about whether it is possible to enter a new driver in the insurance policy or to make other changes to the insurance.
Errors and Inaccuracies
It is important to know that, when registering for electronic insurance, you should reliably and as accurately as possible indicate personal data. The veracity of the information will serve as a guarantee that you will not be denied insurance, and that subsequently there will be no question of how to make changes to the CTP insurance policy. The insurance company should be notified in the following cases:
- if you restored your own driver’s license in exchange for the lost;
- if you changed your last name;
- if you received a driver’s license after being stripped of your license.
Remember that the insurance company has the full right not to conclude a civil liability insurance contract with you if you entered incorrect data during registration.
Some car owners prefer to answer the question on their own, how to enter the driver in the insurance policy. They simply add the required name to the document, and then print it. But such insurance will be considered invalid, and the owner may be held liable. In addition, in the event of a traffic accident, the culprit expects large financial losses. Do not try to enter the driver into the electronic insurance policy of Rosgosstrakh or another insurer yourself, but do it according to the rules.
How to change data in the policy
Unfortunately, it often happens that when applying for insurance in your personal account, inaccuracies arise. Then the question arises, how to make changes to the electronic insurance policy. Currently, automatic correction of inaccuracies by law is not supposed. All changes must be made by the employee of the insurance company. If you wondered how to include a driver in the insurance policy, you will have to go to the nearest office of the insurer for the answer.
To change the data, you must personally write the corresponding statement. An application for changing personal data is processed manually, then the data will be entered into the electronic office of the policy holder. The authenticity of the changed data the account owner can check on their own.
How to enter data about another person
One of the most popular questions on the Web is how to enter a driver into the CTP insurance policy. VSK, Rosgosstrakh and other insurance organizations offer a standard algorithm for replenishing the list of drivers who have the right to be behind the wheel of the insured car. For the most part, this applies to car owners who have taken out insurance online.
The problem is this: let's say you first controlled the machine alone. Then they decided to add a wife, eldest son or friend to the list of users. To expand the list of drivers who are allowed to drive, you should contact the insurance company. It is necessary to take with you:
- the policy itself, where you need to make changes;
- the original driver’s license of the person you are about to enter.
At the office, an employee will print out a statement that you must fill out manually and sign. After making the changes, both you and the other person entered into the policy can safely drive the car. In total, no more than five people can be included in the policy.
How much does it cost to enter a new driver in the policy?
Insurance companies enter a new face for a fee. Therefore, the question of how much it costs to enter a driver into the CTP insurance policy is very relevant. As a rule, the final cost of the changes directly depends on the following factors:
- The remaining period for which the validity of the already issued insurance certificate is calculated. If you issued a policy in January, and enter a new driver in June, then only the remaining months, and not the whole year, will be taken into account.
- KBM and PIC of the driver, the data of which will be entered into the policy.
The total amount is calculated by the formula:
Cost \u003d new policy price (taking into account the remaining insurance period) - the initial cost of the policy × remaining insurance period.
The calculation of the total amount involves the maximum coefficients that are available in the database for drivers contributed. When the trustee of KBM and PIC is higher than that of the policy holder, you will have to pay the specified amount. If these parameters are lower, no surcharge will be charged. As a result, if you want to minimize the cost of compulsory motor third-party liability insurance for your car, drivers with a long experience of a trouble-free ride should enter the policy.
Standard example
Let's take a practical example of how to enter the driver in the insurance policy of compulsory motor liability insurance. If you are going to include a beginner in the document, its coefficients will be:
- Pic: 1.8;
- MSC: 1.
But you yourself, for example, have a successful driving experience and your KBM is 0.5. For simplicity, we take the base price of a motor insurance policy in the amount of 3 thousand rubles. If six months have passed since the registration of the CTP insurance policy, you should pay in accordance with the above formula. In our example, it will look like this:
Surcharge \u003d (cost of a new policy with a novice driver minus the initial cost of the policy) × 0.5
conclusions
As you can see, the final price of insurance is calculated based on the total trouble-free driving experience. Thus, if a driver who is equal to your experience fits into the policy, you do not need to pay extra.
But if you initially intend to reduce the cost of the policy, enter into it a driver with impeccable driving experience. Then you can save on OSAGO about 15% of the starting amount.
In order to find out how much it costs to enter a new driver in OSAGO insurance, you can use the online calculator, which is available on the website of every Russian insurance company. Data from a single register of insurance associations help to quickly and accurately determine the necessary ratios, and therefore determine the total amount payable.
Since then, after the adoption of the law in 2002, the company has established itself only on the best side, as evidenced by numerous grateful customers. SOGAZ is:
- stable, reliable, time-tested company;
- obligatory and substantial payments, for the damage suffered, to all victims;
- personal attitude to each contacting client.
You can buy a policy online when you visit the company’s website or directly contacting the company’s offices in the cities where they exist.
If suddenly, the insured person is involved in a traffic accident, as a result of which it causes harm to another car, driver, passengers, all damage caused by the court, in full, is compensated by the insurer. This is the civil liability of the driver to compensate the damage to all victims.
You can get or buy a car insurance policy using the services of many companies involved in this type of insurance, in almost any. However, it is advisable to choose a reliable insurer, in accordance with the established reputation in the insurance market.
Many motorists choose SOGAZ, and this is not surprising, the company's reputation is deservedly high, especially since you can get advice and arrange CTP for online.
When issuing a general power of attorney for a car, it is better to immediately add this item (about the possibility of adjustments in the CTP insurance policy). Then you do not have to additionally visit a notary, because it is not always possible to make changes personally.
It is better to draw up the trust document on a special form indicating the rights that you grant to the unauthorized person. It is advisable to prescribe them in detail.
The validity period of this document is from one to three.
What information is not subject to adjustment: contract validity period, car replacement, individual insuring the car. In these cases, a new CTP policy is drawn up, and the old document needs to be terminated.
Distinguish between: changes in car numbers, change of owner, change in the data of the insured - this is an occasion for amending the current insurance policy.
Where can I get electronic CTP? First of all, only in the insurance company that provides its customers with electronic policies in the region or region where the car owner lives.
Today, only half of the companies across the country have officially begun such work, and each has its own characteristics in servicing policies. For example, the SOGAZ company provides an MTPL insurance policy within 24 hours from the moment of application, and in some insurance groups this can take up to several days.
The calculation is based on the base rates of insurance companies and the data specified in the form above. Base rates may vary for different regions and insurance companies, in order to accurately calculate the cost of the insurance policy call insurance companies.
Standard example
At the legislative level, it is also spelled out in which case the insurance organization cannot make changes. You cannot change data in an electronic policy:
- the policyholder under the contract;
- insured vehicle;
- insurance period.
If you need to make changes of this nature, you will first need to terminate the contract form and draw up a new one.
Every motorist should know how the procedure for making changes occurs and what is needed for this. For your convenience, we have created a small step-by-step instruction. Also, you can always get advice on insurance issues from our specialist on the site.
Step One We write an application to the insurance
The leader in insurance premiums in Russia, SOGAZ is considered a relatively new player in the insurance market. Established in 1993, the company grew into a large association, a whole range of interconnected business structures.
The owner of the company is Gazprom, which is managed through decision-making by the board of directors. A distinctive feature of this insurance company is an obvious focus on the interests of clients in their work.
SOGAZ was one of the first to launch online car insurance services. A wide range of proposals in the field of insurance does not cancel the availability of mandatory products at the disposal of the company.
MTPL package - from the moment of application submission to the receipt of the finished document, it takes no more than one hour online, and the client does not need to leave the limits of his own home. The support service of the insurance company will be able to resolve most of the issues by phone.
1. You cannot change the vehicle in the electronic insurance form.
2. The insurer - a new individual will not be entered on the form.
3. You can not fix the insurance period.
In all of the above cases, you must first terminate the insurance contract and conclude it again. Such changes are not made to the policy.
Based on paragraph 11 of Ch. 1 of the OSAGO Rules, the policyholder is entitled to make changes through his personal account on the insurer's website. This happens by sending an electronic application to the UK, which is pending for 2 working days, after which time the client receives a response.
This may be an updated form of the policy in electronic form or a motivated refusal to amend the amendments remotely. Then the insured must personally apply to the office and receive a re-issued CTP policy in paper form.
The insurance rules indicate that adjustments should be made not only in electronic form, there should be a paper official document. Therefore, even if some companies have the opportunity to make the necessary amendments through the World Wide Web on the insurance website in the Personal Account, you still have to drive to the organization’s office and do the same again, as a result, you will receive either a new policy or a document with the amendments .
Moreover, not all moments can be changed in the electronic database, and it makes sense to do double work.
.
AlfaStrakhovanie, RESO-Garantia, SOGAZ offer their services online, including the purchase of OSAGO, the extension of e-OSAGO. After registration, a letter arrives at your email address, which is considered equivalent to the paper form of the insurance policy.
If you contact these organizations, you will save time and do it when it is convenient for you. But this requires maximum care when filling out documents, depositing funds to the account of this organization, passing an audit at the RSA, and the ability to have a good computer skills.
This is still a new technology in the insurance business, it's up to you to decide whether to use it or not.
The new document duplicates the validity of the previous insurance contract, its details, the date of receipt is indicated. It is issued within a couple of days or immediately. The old policy, except for adjustments, must be re-certified.
The company is obliged to duplicate all changes in your insurance contract in the CTP insurance electronic database. This takes up to 5 business days. In no case do not edit anything yourself in a paper contract. Such initiative falls under the articles of the Criminal Code of the Russian Federation as a fake and application of documents.
The online insurance policy of MTPL was appreciated by the drivers of the whole country. The innovation was especially liked by the residents of problematic regions of Russia, where insurance companies simply refused to issue compulsory insurance policies, speaking about the loss-making nature of this type of protection.
The success of electronic policies is clearly confirmed by current statistics: more than 300 thousand people are already using a paperless option for compulsory motor liability insurance. Nevertheless, many drivers in the old manner prefer to always have a paper policy with them.
This is especially true for people of middle and old age. It is mostly young drivers who prefer to issue an MTPL insurance policy online.
And not in vain, because the benefits of electronic insurance certificate are quite convincing.
- The main advantage: speed and convenience of purchase. To issue an electronic insurance policy online requires no more than 20 minutes. No need to waste time and gasoline in search of an insurance agent and stand in a long line. You can get an electronic version of the insurance certificate without leaving your apartment.
- Exclusion from the list of all additional insurance services. Now the insurance organization is forced to provide a “bare” policy, without imposing additional conditions. Perhaps this is less convenient for the company, but certainly beneficial for the driver. The problem of imposing life insurance was often proposed by agents in regions where getting a motor insurance was very problematic. Now to issue an electronic CTP insurance policy online without allowances is quite realistic.
- Another attractive feature of e-CTP is that you now do not lose the accumulated discounts and bonuses for a good ride, since all data about you as an insured person is stored in a single PCA registry. Therefore, even when changing the insurance company, the scheme for calculating discounts and bonuses will remain the same.
- The absence of an official form with a serial number is not an obstacle to the use of the policy. Now the document is printed on a plain sheet of paper. If the printout is lost or erased, you can print it again. Problems with the restoration (paid!) Of the policy are a thing of the past.
- It is no longer necessary to provide a ton of additional documents: all data about you and your car is available in the SAR registers.
READ ALSO: What is a motor insurance contract and where can I get a sample of it?
One of the most popular questions on the Web is how to enter a driver into the CTP insurance policy. VSK, Rosgosstrakh and other insurance organizations offer a standard algorithm for replenishing the list of drivers who have the right to be behind the wheel of the insured car. For the most part, this applies to car owners who have taken out insurance online.
The problem is this: let's say you first controlled the machine alone. Then they decided to add a wife, eldest son or friend to the list of users. To expand the list of drivers who are allowed to drive, you should contact the insurance company. It is necessary to take with you:
- the policy itself, where you need to make changes;
- the original driver’s license of the person you are about to enter.
Insurance companies enter a new face for a fee. Therefore, the question of how much it costs to enter a driver into the CTP insurance policy is very relevant. As a rule, the final cost of the changes directly depends on the following factors:
- The remaining period for which the validity of the already issued insurance certificate is calculated. If you issued a policy in January, and enter a new driver in June, then only the remaining months, and not the whole year, will be taken into account.
- KBM and PIC of the driver, the data of which will be entered into the policy.
Surcharge \u003d (cost of a new policy with a novice driver minus the initial cost of the policy) × 0.5
For many drivers, technical progress has not yet reached, so they prefer to use the standard procedure for drawing up or renewing a car insurance contract.
Is there a difference between these insurance policies and what is the benefit of the CTP policy for the average driver?
In order to apply for a car insurance policy via the Internet, you need to take just a few simple steps.
The first thing to do is choose a reliable insurance company. If your suits you, then you probably know their official website. Create your personal account on their website.
To do this, enter the following data into the forms:
- personal data of the driver, his surname, name, patronymic, date of birth;
- series and passport number;
- mobile and landline phone number (or one of them, if any);
- email;
- address of the actual residence.
After your account is registered, you need to wait a bit until the insurer manager checks your data on the PCA database. As a rule, this takes 10-15 minutes, after which data will be sent to your mobile phone to enter your personal account.
The procedure for obtaining insurance is quite simple, the conclusion of a contract for the insurance policy requires:
- Full name of the car owner, his passport data, address, phone, number and series of driver’s licenses;
- information about the car: make, model, year of manufacture, engine power, series and number of vehicles indicated in the technical standard;
- also, you must immediately enter the data on the drivers allowed to drive this vehicle, namely the series and numbers of their driver’s licenses.
After your application has been verified online, the amount payable and the payment form will appear on the screen.
Payment of insurance is possible in any convenient way, both in cash and non-cash.
In order to pay in cash, you will need to visit the office of the insurance company and pay the price for the policy there, or order a citizen with home delivery and pay the courier.
Bank transfer is carried out through Internet banking, electronic money or by transfer to a bank account.
So, for example, it often happens when a person changes his driver's license, or there was a deprivation or loss of rights, as a result of a series and number of others.
The database contains old information, however, you cannot use it to draw up an insurance policy. When checking documents, you will have one written in your rights, and another in the insurance, as a result you will be able to get into an unpleasant situation.
Also, the insurance company may refuse if your data on the KBM do not match the data in the database. In this case, the driver will have to visit the insurance agent at his office.
Responsible for maintaining the blog of Rosgosstrakh company kindly agreed to tell me in detail about how electronic OSAGO works. In this short interview I tried to find out first-hand the answers to the questions that interest me the most and, I am sure, the majority of OSAGOonline.info readers.
Of course, each insurer has its own system for buying and renewing CTP insurance policies online, but everyone has common features, because PCA laws and procedures dictate uniform requirements that every company must observe in the process of CTP insurance policies online sales.
In particular, electronic compulsory motor third-party liability insurance according to the law should be executed using a personal account on the insurer's website, where client identification is carried out. In addition, at present, for the first three months of the “test period”, the service is launched in the “tight prolongation” mode.
That is, a client can issue a policy via the Internet only if:
- The policy is now valid and ends no later than 60 days later - this period is established by regulatory enactments. In other words, if the policy ended yesterday, today it will no longer be possible to extend it through the electronic OSAGO service.
- The policyholder does not change anything in the data. Important! Even the date the commencement of the new policy should not change. (but in the next 2-3 weeks there will be an opportunity to expand the circle of insured persons)
- There is a valid inspection, or a car younger than 3 years old.
At Rosgosstrakh itself, the process of registration (until October 1 - only renewal) of the policy in electronic form is as follows:
- The client visits the site, on the OSAGO calculator page.
- Then he is offered a choice - “pull up” the data from accounting systems or fill it out on his own.
- If any data in the systems is not enough, the client fills them out independently.
- At the 4th stage, Rosgosstrakh offers a choice of several options for concluding a contract - for residents of Moscow and St. Petersburg this is an appeal to the office, registration with a courier or electronic CTP. In other regions, there is no courier delivery, so residents of the regions will see only two choices - buy a classic paper policy in the office or arrange electronic CTP.
By the way, it is precisely this phenomenon that is associated with a “bias” in the statistics of eOSAGO sales towards the regions. Here is how the representative of Rosgosstrakh explains this: “I want to draw your attention to one fact that seems to us to be very significant and dramatically affecting the regional OSAGO statistics.
As we know, Rosgosstrakh has about 60% of the market share in electronic CTP. At the same time, all observers noted the low activity of the residents of the capitals in electronic OSAGO.
The fact is that in our calculator, as I mentioned above, for residents of the capitals the opportunity is offered to issue CTP on the website, pay by card, and then get the policy in the office or with a courier.
This is how residents of the capitals see the MTPL registration form online.
“This is a traditional paper policy on a BSO form,” the representative of Rosgosstrakh continues, “the number of clients who prefer this method of obtaining a policy is significant. If Rosgosstrakh hadn’t had such an opportunity (and we are essentially forming the electronic CTP insurance market now), all these clients would apply for e-CTP and the number of electronic policies would increase significantly, with the absolute leader in the Moscow Region. ”
For understanding, the order of numbers is as follows: for 10 policies of electronic insurance in Moscow there are about 500 policies with delivery by courier.
But back to the process of applying for an electronic policy. At the fifth, last step, if the client chooses the policy in the form of an electronic document, then he will automatically be transferred from the site to the "My Account" section.
Here, the necessary data is filled in for customer identification. If the identification was successful, the client is redirected back to the site to fill out the remaining application data, and it is sent for verification to the PCA.
READ ALSO: Calculation of the cost of insurance for GAZ Gazelle in Zelenograd: Casco, CTP
Sites of insurance companies work directly with RSA, there is no third-party integrator between insurance and RSA.
It is at this stage that numerous problems arise with the “failure to receive confirmation from the SAR.
- Do you plan to detail errors?
Yes, we have in the near future plans to finalize the interface, which will allow the client to show what exactly in his data does not match the information that is in the PCA
- How do you assess, after what time all technical problems will be eliminated and the work of e-OSAGO normalized?
PCA, together with its contractor, regularly fix technical problems. Predicting when everything will stabilize is hard. We very much hope that this will happen in the very near future.
- How can I verify that the e-MTPL policy received by email is valid?
- Do you already know of successful or unsuccessful cases when inspectors of DPS inspect electronic insurance policies on the road among your customers?
Yes, such cases already exist. Unfortunately, the traffic police are not very loyal to electronic policies, but according to our data, not a single fine has been issued.
The Bank of Russia together with the STSI is planning to hold a meeting in the coming weeks to discuss various aspects of the procedure for road checks with drivers of OSAGO electronic policies.
- How to make changes to the insurance policy? For example, enter new drivers, change the driver’s number, etc.
Today you need to contact any of our sales offices. Over time, the ability to make changes will appear in your account.
- And is it possible to prematurely terminate the CTP insurance agreement (as is the case with a paper policy) and get part of the money back for an unused period (it is sometimes necessary when selling a car)
Yes. Everything is similar to a paper policy.
Recently, vehicle owners can take out insurance in the form of a paper document or digital record, which received the name e-CTP.
Let us examine the implementation of these initiatives in practice and consider all the problems that an insured who buys an online policy may face. First, there are a few points on which the e-MTPL insurance policy provides a clear advantage over its traditional counterpart.
Before contacting the branch of the insurance company, the applicant must take into account that not all data can be changed in the current insurance contract. For example, are not subject to change:
- vehicle change, i.e. replacement of registration data of one machine with another;
- replacement of the insured car;
- change of contract duration.
First: almost all insurance companies are required to sell an electronic policy.
To check out the CTP insurance policy, you can use the special service on our website that searches for data on the plis in the PCA database. All you need for this is to know the series and policy number. As a result of the check, you can get data about the car that is registered under this electronic CTP, as well as the status of the policy in the database.
List of insurance companies that are entitled to make an electronic insurance policy
Since the beginning of 2017, RSA has officially issued licenses for the issuance of an insurance policy for the following insurance companies:
- Alfa Insurance OJSC
- Borovitsky Insurance Company JSC
- "VSK" CAO
- Renaissance Insurance Group LLC
- "GSK" Ugoria "JSC
- GUTA-Insurance JSC
- Zetta Insurance LLC
- Ingosstrakh SPAO
- INTACH INSURANCE JSC
- Capital Insurance OJSC
- Liberty Insurance (AO)
- SALW "Chance" LLC
- MAKS CJSC
- Medexpress CAO
- MSC "Strazh" LLC
- "Hope" CAO
- NASCO JSC
- "NSG -" ROSENERGO "LLC
- "OSK" JSC
- PSA LLC
- PROMINSTRAKH LLC
- RESO-GARANTIA SPAO
- RSK Sterkh JSC
- RSO "EUROINS" LLC
- "SAK" ENERGOGARANT "PJSC
- "SG" ASKO "LLC
- SG "Spassky Gate" JSC
- SG "HOSKA" PJSC
- Insurance Business Group JSC
- IC "Armeec" JSC
- "Insurance company" Astro-Volga "JSC
- IC BASK OJSC
- SO "VERNA" LLC
- IC "VTB Insurance" LLC
- SK HAYDE PJSC
- SO "Geopolis" LLC
- "IC" DALAKFES "LLC
- IC "Twenty First Century" CJSC
- "IC" Megaruss-D "LLC
- IC "Moskovia" LLC
- SKO JSC
- "IC" PARI "JSC
- IC "Parity-SK" LLC
- "IC" REGIONGARANT "JSC
- IC Rosgosstrakh PJSC
- "IC" SERVISREZERV "LLC
- Sibirsky Spas Insurance Company CJSC
- "IC" Consent "LLC
- IC "Chulpan" JSC
- "SK YUZHURAL-ASKO" JSC
- SOGAZ JSC
- "SO" Talisman "JSC
- "Insurance company" Angara "LLC
- "Insurance Company" POLIS-GARANT "JSC
- "Insurance company" SDS "LLC
- "Insurance company" Surgutneftegas "LLC
- Insurance Company "ANCHOR" JSC
- "SF" Adonis "LLC
- Tinkoff Insurance JSC
- "CSO" LLC
- ERGO SAO
- YUZHURALZHASO JSC
There are several ways to verify e-CTP policies for authenticity. The first and most reliable is to check for the presence of an e-insurance policy in a single SAR database. The second way is to visually check and check for electronic printing. Well, the third way - to issue electronic CTP policies only on the sites of large companies and always check what is written in the address bar of the browser.
PCA check of the insurance policy
Visual inspection. What does the policy look like.
Below will be presented parts of the texts of official laws on the introduction of electronic OSAGO. There will also be links to the laws themselves.
The Law on Electronic CTP
When contacting SOGAZ Insurance Company in order to buy an insurance policy, the client must provide a standard list of documentation. At the same time, funds deposited by the user are mandatory verified with information found in the SAR single registry.
If the car or driver is included in the insurance first, its documents will need to be scanned and downloaded in a special form on the company's official website. If the system detects differences between the database and the specified information, it will become impossible to buy a policy online until the information is confirmed or errors are corrected.
In situations where the MTPL policy is re-purchased, the client will no longer need to re-enter the data into the system, as it will automatically be retrieved from the client’s personal account.
When issuing OSAGO, you must have the following set of documents:
- Ownership of the car;
- Vehicle registration certificate;
- Passport and policyholder rights;
- The rights of all drivers included in the electronic policy;
- Diagnostic card.
Considering that it is possible to pay for the purchased policy exclusively by bank cards issued to the policyholder, this moment must be taken care of in a timely manner so as not to encounter an unpleasant surprise at the very end of the CTP process.
When applying for an online policy, SOGAZ is required to provide a package of documents:
- identity card issuing insurance (passport);
- documents for the vehicle (registration, technical passport);
- certificates providing the right to drive a vehicle (all alleged persons who will drive it);
- identification code;
- when making insurance for a driver, not a car owner - a power of attorney to drive a car;
- when applying for an organization - a power of attorney for the right to represent the interests of the company;
- for legal entities - registration certificate and seal.
When buying a new car or a used one imported into the Russian Federation from abroad for the purchase of an insurance policy, the law provides for a period of 10 days.
If all of the listed documents are collected, you will need to indicate in the special window of the company’s website - the online OSAGO calculator:
- for what purposes will the vehicle be used;
- its type (type, brand);
- for how long is it planned to draw up a contract;
- place of residence of the car owner;
- how many people will drive the car;
- were there traffic violations.
The rules for issuing electronic CTP are the same for all insurance companies. First, the client must register on the official website of the insurance, which has permission to issue electronic policies in the desired region.
- the client receives an electronic form, which must be filled in with reliable data;
- the entered information is checked on the basis of the SAR;
- the client is provided with a one-time password to the specified phone number to enter his personal account;
- the cabinet indicates all the necessary characteristics of the car and driver that affect the amount of insurance, the result and details for payment are issued;
- the client must pay the indicated amount.
Today, the purchase of electronic insurance is not very popular, since many worry about its authenticity. This is quite logical, because if the file can be simply printed, where is the guarantee that the policy itself will be genuine?
There are several tips to prevent such cases:
- do not be tempted to buy a motor citizen at a discount.
What documents will be needed
Where can I get electronic CTP? First of all, only in the insurance company that provides its customers with electronic policies in the region or region where the car owner lives.
Today, only half of the companies across the country have officially begun such work, and each has its own characteristics in servicing policies. For example, the SOGAZ company provides an MTPL insurance policy within 24 hours from the moment of application, and in some insurance groups this can take up to several days.
Company reviews
The company offers to use this service for all types of transport, from motorcycles to passenger buses, without exception. For the fastest and most convenient online policy registration, it is advisable to use the following procedure on the insurer's portal:
- Determine the preliminary cost of OSAGO for your car. No problem to carry out a similar operation using oSAGO online calculatorproposed on the site.
- Go to the application for the purchase or extension of the policy presented in the questionnaire form and fill out all the proposed fields with relevant and true data.
- After checking the entered data, pay the cost of the insurance policy. For the convenience of customers, Ingosstrakh works not only with bank cards, but also with the main domestic electronic wallets.
- After the insurer receives the funds in an automatic mode, a letter is sent to the client’s e-mail with an enclosed insurance policy.
- Along with this, Ingosstrakh provides for the possibility of filing an application via the Internet, but with the receipt of a paper document at one of the company's offices. To do this, put the appropriate checkmark in one of the fields of the questionnaire.
Ingosstrakh Company is one of the oldest representatives of the insurance market of our country. It was created back in 1947, and among its priority areas was not the domestic market, but insurance of foreign assets of the Soviet Union.
In the second half of the 90s, on the basis of the capital of the insurance company, a Group was created, combining several dozen representatives of the insurance market and other areas working in close connection with each other.
In the past few years, the insurer has a very high rating of “A” not only from Russian agencies, but also from foreign analysts.
Among the customer reviews of Ingosstrakh's work, one can single out the staff’s friendliness in servicing, as well as a high degree of company reliability.
At the same time, there are a lot of negative reviews indicating a lack of promptness in customer service, which leads to a delay in the consideration of cases in cases of compensation to customers for losses.
In general, positive feedback is also left by users about the work of the company's website, which allows you to buy an insurance policy online with maximum convenience and minimal time loss. The ease of working with the service and the high speed of receiving a document are noted.
In general, every potential buyer of motor third party liability insurance services is free to choose an insurance company for himself, since there are plenty of offers on the Russian market.
Nevertheless, Ingosstrakh is deservedly one of the leaders in terms of reliability of work with clients and responsibility to them.
Ingosstrakh is one of the largest insurance companies, which begins its activities in 1948. Over the entire period of its activity, the insurer was able to take a stable position in the financial services market and develop a large client base.
It is also worth noting that many large companies trust the insurer, among which it is worth noting:
- Trading house "GUM"
- Hotel "National"
- Mobile Operator Megafon
- Savings Bank of the Russian Federation
Every day, the company develops in order to offer customers only quality products at the optimal cost. Personal managers are ready to help each client, take into account all his wishes and choose the product that is most suitable for the price and risk package.
The insurer's product line includes more than 100 products, each of which has received a special license. Experienced specialists offer to insure:
- a car, both under the mandatory compulsory motor liability insurance program and under voluntary hull insurance
- property, risk of fire, gulf or illegal actions of third parties
- life and health
- financial risks
- investment projects
- travel and the trip itself outside of the Russian Federation
- deposits or bank accounts
One of the most important advantages of this enterprise is its extensive experience in this field. The organization began its activities in the insurance industry as early as 1947, almost immediately after the Second World War.
Over more than half a century of history, vast experience has been accumulated in this area. Because the services provided are of high quality, Expert RA assigned Ingosstrakh the highest level of reliability.
This company operates simultaneously in several areas of insurance. This is not only CTP, CASCO and DOSAGO, but also life insurance, travel, real estate and many other risks.
There are a large number of nuances, features associated with this type of product. But the insurance company Ingosstrakh gained the greatest fame precisely thanks to work in the field of car insurance.
The process of compulsory motor third party liability insurance policy can be implemented both through the Internet and in person.
Today, the company's offices are represented in almost all major cities of the Russian Federation. This is one of the most significant advantages of this insurance company over everyone else.
In Moscow
Cases when Ingosstrakh does not pay for compulsory motor third-party liability insurance are rare and ambiguous. In general, according to customer reviews, the services of this insurance company are mostly satisfied.
Registration of electronic CTP
The rules for issuing electronic CTP are the same for all insurance companies. First, the client must register on the official website of the insurance, which has permission to issue electronic policies in the desired region.
- the client receives an electronic form, which must be filled in with reliable data;
- the entered information is checked on the basis of the SAR;
- the client is provided with a one-time password to the specified phone number to enter his personal account;
- the cabinet indicates all the necessary characteristics of the car and driver that affect the amount of insurance, the result and details for payment are issued;
- the client must pay the indicated amount.
Today, the purchase of electronic insurance is not very popular, since many worry about its authenticity. This is quite logical, because if the file can be simply printed, where is the guarantee that the policy itself will be genuine?
There are several tips to prevent such cases:
- do not be tempted to buy a motor citizen at a discount.
The cost of insurance is regulated by the Central Bank of the Russian Federation; therefore, it cannot participate in promotions;
In order to apply for a car insurance policy via the Internet, you need to take just a few simple steps.
The first thing to do is choose a reliable insurance company. If your suits you, then you probably know their official website. Create your personal account on their website.
To do this, enter the following data into the forms:
- personal data of the driver, his surname, name, patronymic, date of birth;
- series and passport number;
- mobile and landline phone number (or one of them, if any);
- email;
- address of the actual residence.
After your account is registered, you need to wait a bit until the insurer manager checks your data on the PCA database. As a rule, this takes 10-15 minutes, after which data will be sent to your mobile phone to enter your personal account.
The procedure for obtaining insurance is quite simple, the conclusion of a contract for the insurance policy requires:
- Full name of the car owner, his passport data, address, phone, number and series of driver’s licenses;
- information about the car: make, model, year of manufacture, engine power, series and number of vehicles indicated in the technical standard;
- also, you must immediately enter the data on the drivers allowed to drive this vehicle, namely the series and numbers of their driver’s licenses.
After your application has been verified online, the amount payable and the payment form will appear on the screen.
Payment of insurance is possible in any convenient way, both in cash and non-cash.
In order to pay in cash, you will need to visit the office of the insurance company and pay the price for the policy there, or order a citizen with home delivery and pay the courier.
Bank transfer is carried out through Internet banking, electronic money or by transfer to a bank account.
So, for example, it often happens when a person changes his driver's license, or there was a deprivation or loss of rights, as a result of a series and number of others.
The database contains old information, however, you cannot use it to draw up an insurance policy. When checking documents, you will have one written in your rights, and another in the insurance, as a result you will be able to get into an unpleasant situation.
Also, the insurance company may refuse if your data on the KBM do not match the data in the database. In this case, the driver will have to visit the insurance agent at his office.
Recently, vehicle owners can take out insurance in the form of a paper document or digital record, which received the name e-CTP.
Let us examine the implementation of these initiatives in practice and consider all the problems that an insured who buys an online policy may face. First, there are a few points on which the e-MTPL insurance policy provides a clear advantage over its traditional counterpart.
The policy for different insurers has its own characteristics. If you do not go into them, then we can distinguish a number of general stages.
- Creating an account for your personal account. To get access to electronic insurance, you will have to create an account on the company's website. To do this, you must fill out the proposed form, making the following personal data:
- Full name;
- passport details;
- information about the date and place of birth;
- registration address;
- telephone number;
- email address
Terms and basic rate
The calculation of the cost of OSAGO in the company "Ingosstrakh" can be made in two ways.
- Firstly, on their own using the calculator offered on the website;
- Secondly, turning to a company specialist for help.
The terms and conditions of insurance under the MTPL policy are completely standard. This service covers the following risks:
- damage to property of third parties in the process of driving;
- causing harm to the health or life of third parties in the process of using the vehicle.
This insurance company operates in accordance with all regulatory legal documents.
It is important to remember that the above limits do not imply the receipt of the maximum payment in each insured event. Each traffic accident is considered separately.
Advantages and disadvantages of an electronic policy
Benefits
The pros and cons of electronic third-party liability insurance today have been able to evaluate already 200 thousand domestic drivers and among all the characteristics of such insurance, the advantages stand out mainly.
Among them, of course, there is no need to personally go to the company’s office, spend time on the road and queues, money on gasoline and own nerves. The whole process of registration takes no more than 30 minutes, after which you can immediately print out the document and go about your business with brand new insurance.
An important advantage is the fact that company representatives simply do not have the ability to impose additional services and unnecessary services on the client. Also, the owner of the vehicle does not need to provide a lot of papers, because all of them are already in the PCA database.
- the driver cannot lose bonuses for a trouble-free ride, all information is stored in an electronic database;
- cost calculation is fully automated;
- the document itself can be printed out as many times as necessary if the previous one is lost or damaged.
It is also very important that the SOGAZ company provides an electronic OSAGO policy at the same price as conventional insurance. Many people think that for obvious advantages they will have to pay extra, but the law clearly regulates the cost of policies, so no company has the right to inflate prices for its services.
All insurance companies give their customers the opportunity to calculate the exact amount in just a few minutes, simply by entering the necessary parameters for this.
rules
The insurance policy of Ingosstrakh is presented in the public domain, directly on the company's website. At the moment, you can get detailed information at ingos ru / Upload / info / pravila_osago / pravila-osago-mos-new.pdf.
These rules are approved by Bank of Russia Regulation No. 431-P dated 09/19/14. They include the following main sections:
- basic rules of civil liability insurance of vehicle owners;
- chapter No. 1 - establishes the procedure for concluding, amending and extending the early termination of the CTP insurance agreement;
- chapter No. 2 - how is the insurance premium paid;
- chapter No. 3 - the algorithm of actions of individuals / legal entities in the course of insurance is determined;
- chapter No. 4 - establishes a standard procedure for calculating the amount of compensation for insured events, as well as regarding the calculation of the insurance premium itself;
- chapter No. 5 - the dispute resolution algorithm is determined.
Features of change
Also, the same legislation does not indicate that changes in the insurance policy require a refusal of payments or cancellation of the contract. Insurers can only invalidate insurance in the case of initially incorrectly entered data.
Only those cases should be considered separately when, due to a change in data, the probability of an insured event changes. Here, insurers can find fault, because the amount of payments due to new circumstances may differ significantly from those stipulated by the contract before making adjustments.
Calculate and buy electronic E-CTP
The process of calculating the cost of the MTPL policy can be carried out in various ways. There is a standard formula that allows you to implement the calculation process. It applies to both individuals and legal entities.
Ktr × Kvs × Kss × Kmsh × Ktks × Ksr × Kbn × basic cost of the policy \u003d insurance amount
Ktr | this coefficient indicates territorial indicatortaking into account the risk of driving a car in a certain region (the highest figure in Moscow and St. Petersburg) |
Kvz | the coefficient allows you to take into account the driver’s age in the formula, as well as his total length of service (for example, if the driver is 23 years old and the citizen received a driver’s license 3 years ago, then the coefficient changes downward, but if there is a purchase of an unlimited insurance policy - coefficient will be 1.8) |
Kss | the coefficient is indicated by the insured event (the more often the accidents recorded by the insurance company happened, the larger the coefficient will be) |
Kmsch | this designation indicates the power of the vehicle for which the CTP policy is purchased |
Ctx | this ratio is set for those vehicles that are used as taxis |
Ksr | indicates the duration of insurance, the shorter the insurance period - the greater the cost of the policy in terms of 1 month |
Cbn | bonus coefficient determined by the insurance company itself (usually implies a certain discount for regular customers) |
An alternative way of calculating is to use a special calculator directly on the company's website.
Alteration
What if an urgent need to amend the current insurance contract? Since the electronic product has appeared recently, all changes can be made so far only at the insurer's office.
Change of personal information of a person inscribed in CTP
If you change any personal information (driver’s license or last name), you must promptly contact the representative of the insurance company and make appropriate changes to the insurance policy.
In the case of a replacement driver’s license, you must provide a new driver’s license and write a request for a change of data. When changing the name, the policyholder must provide a passport.
How are changes made
The insurance company amends the CTP insurance agreement:
- By registering information in the database without making changes to the OSAGO form, if the new information is not the data specified in the policy and does not require an insurance premium recount. The client is given a copy of the application with a note of receipt.
- By writing new information in the “Special Marks” section on the front or back of the insurance policy. Changes are certified by the signature of the representative of the Insurance Company and the seal of the insurer, the date and time of the changes are indicated.
- Making a new form of CTP. In the “Special Marks” section, the number of the original contract is indicated.
The policy is issued to the client within two business days from the date of application, submission of the old insurance form and premium insurance premium.
Not later than five working days from the date of registration of the changes, the UK shall enter the information received into the single RSA OSAGO database.
How to make changes to electronic CTP
If the CTP policy is issued via the Internet, then the changes are made in two ways:
- through a personal account on the website of the insurance company;
- contacting the insurer's office.
The insurance company sends a new electronic policy to the client by email or issues a paper form within 2 business days from the date of receipt of the application and premium insurance premium.
If new information does not require corrections to the insurance form, the insurance company sends an electronic notification that it has registered the changes.
Calculate the cost of CTP in the insurance company Ingosstrakh and compare the cost of the policy with the offers of other major insurers with additional discounts.
Since electronic OSAGO appeared in 2016, not all motorists know how to properly arrange it. In fact, everything is very simple and the registration procedure takes no more than an hour. All you need to do is go through several important design steps.
Stage 1: Registration
Since the purchase is available only in your account, you will need to go through a simple registration. To do this, go to ingos.ru and specify an email address and password. If you have access from a single portal of State Services, then you can save time and log in using it.
Stage 2: Data Entry
The first section is dedicated to personal data. Be prepared to indicate:
- gender
- date of birth
- passport data
- city \u200b\u200bby registration
- coordinates: mobile number and email address
Immediately after entering all the data, you must confirm the mobile number of the specified phone. For confirmation, you should specify a secret six-digit code, which will be sent to your phone as a message.
The next section is dedicated to vehicle data. All data must be indicated in the same way as they are written in the document itself. Be prepared to indicate:
- make and model of car
- year of issue
- VIN number
- state registration mark
- series and number of TCP or STS
- power
You will also need to tell the country in which the owner of the vehicle is registered.
Since the driver's civil liability is insured under the contract, it will be necessary to indicate the data of all drivers who will be allowed to drive.
Do not forget that the maximum possible number of drivers cannot exceed 5 people under the contract. If a larger number of drivers are allowed to manage, then it is worth choosing the condition “without restrictions”.
In the section “data on persons admitted to management” it is necessary to reflect:
- Name of driver
- date of birth
- driver's license series and number
- date when the first driver's license was issued
The last thing to do is to choose the parameters of the contract, namely:
- insurance period
- purpose of use
- date when the contract comes into force
Once the minimum information is specified, it remains to click "Calculate" and find out the cost of the contract.
A cost calculation will be formed literally in a matter of minutes.
Stage 3: Payment
If the cost of the contract suits you, then it remains to pay the contract and get a form of mandatory protection. It is worth noting that the insurance company accepts payment only from a name card that was issued at the bank to the insurer under the contract.
When paying by card, be prepared to report:
- card number
- validity
- holder name
- secret CVC code
To confirm the payment, you must enter a secret one-time code, which will immediately arrive at the mobile phone number specified during registration.
Stage No. 4: Obtaining the contract
A few minutes after payment, the contract form will appear in the personal account of the client. You can him:
- print out
- send to any email address
- save to computer or mobile phone.
It is worth noting that you do not need to personally contact the insurer's office and receive a contract form. It is enough to print the form in black and white and carry it with you.
Since protection is acquired in real time, all data under the agreement is sent to the PCA single portal within a few days.
.
If you wish, you can check the authenticity of the policy on the specified portal for free. All you need is to visit the portal and go to the "CTP" section.
To terminate the contract form, you must contact the office of the insurer, having previously prepared a full package of documents. For termination you will need:
- policyholder passport
- electronic contract form
- sales contract (if the car is sold)
- personal account details.
It is also necessary to write statements in the company. Do not forget to take a copy of the application with a mark of acceptance.
Get CTP in Ingosstrakh
Today, the process of registration of the policy of MTPL can be carried out via the Internet. To implement this procedure, you will need to follow the following algorithm:
- go to the address ingos ru / ru / private / auto / osago /;
- we find the button with the signature "buy eOSAGO" and click on it;
- then it will be necessary to go through authorization with an existing account or with the help of an account of the State Services portal;
- we enter all the data necessary for calculating the cost of the MTPL policy and make payment based on the results of the calculations.
This can be done through the Internet by credit card, using a special CVV code. It is important to be careful and use only the official website of the company to buy the e-MTPL insurance policy.
Since there are a fairly large number of various fake resources where funds are paid, after which the policy is not issued or the document is issued invalid, not registered in the databases of the IC and PCA.
Today, more than 10 criminal cases have been instituted regarding fraud with electronic insurance policies.
It is believed that an electronic policy is more expensive than a paper one. This is not so: the system of bonuses and discounts acts on each car owner the same way, regardless of which policy he draws up: paper or electronic.
In any case, on the website of each insurer there is an online calculator for calculating the cost of OSAGO. You will pay exactly the same amount as the numbers obtained from the calculations show.
There you can get additional information, for example, about whether it is possible to enter a new driver in the insurance policy or to make other changes to the insurance.
Responsible for maintaining the blog of Rosgosstrakh company kindly agreed to tell me in detail about how electronic OSAGO works. In this short interview, I tried to find out first-hand the answers to the questions that interest me the most and, I am sure, the majority of OSAGOonline readers.
Of course, each insurer has its own system for buying and renewing CTP insurance policies online, but everyone has common features, because PCA laws and procedures dictate uniform requirements that every company must observe in the process of CTP insurance policies online sales.
In particular, electronic compulsory motor third-party liability insurance according to the law should be executed using a personal account on the insurer's website, where client identification is carried out.
In addition, at present, for the first three months of the “test period”, the service is launched in the “tight prolongation” mode. That is, a client can issue a policy via the Internet only if:
- The policy is now valid and ends no later than 60 days later - this period is established by regulatory enactments. In other words, if the policy ended yesterday, today it will no longer be possible to extend it through the electronic OSAGO service.
- The policyholder does not change anything in the data. Important! Even the date the commencement of the new policy should not change. (but in the next 2-3 weeks there will be an opportunity to expand the circle of insured persons)
- There is a valid inspection, or a car younger than 3 years old.
At Rosgosstrakh itself, the process of registration (until October 1 - only renewal) of the policy in electronic form is as follows:
- The client visits the site, on the OSAGO calculator page.
- Then he is offered a choice - “pull up” the data from accounting systems or fill it out on his own.
- If any data in the systems is not enough, the client fills them out independently.
- At the 4th stage, Rosgosstrakh offers a choice of several options for concluding a contract - for residents of Moscow and St. Petersburg this is an appeal to the office, registration with a courier or electronic CTP. In other regions, there is no courier delivery, so residents of the regions will see only two choices - buy a classic paper policy in the office or arrange electronic CTP.
By the way, it is precisely this phenomenon that is associated with a “bias” in the statistics of eOSAGO sales towards the regions. Here is how the representative of Rosgosstrakh explains this: “I want to draw your attention to one fact that seems to us to be very significant and dramatically affecting the regional OSAGO statistics.
As we know, Rosgosstrakh has about 60% of the market share in electronic CTP. At the same time, all observers noted the low activity of the residents of the capitals in electronic OSAGO.
The fact is that in our calculator, as I mentioned above, for residents of the capitals the opportunity is offered to issue CTP on the website, pay by card, and then get the policy in the office or with a courier.
This is how residents of the capitals see the MTPL registration form online.
“This is a traditional paper policy on a BSO form,” the representative of Rosgosstrakh continues, “the number of clients who prefer this method of obtaining a policy is significant.
If Rosgosstrakh hadn’t had such an opportunity (and we are essentially forming the electronic CTP insurance market now), all these clients would apply for e-CTP and the number of electronic policies would increase significantly, with the absolute leader in the Moscow Region. ”
For understanding, the order of numbers is as follows: for 10 policies of electronic insurance in Moscow there are about 500 policies with delivery by courier.
But back to the process of applying for an electronic policy. At the fifth, last step, if the client chooses the policy in the form of an electronic document, then he will automatically be transferred from the site to the "My Account" section.
Here, the necessary data is filled in for customer identification. If the identification was successful, the client is redirected back to the site to fill out the remaining application data, and it is sent for verification to the PCA.
Sites of insurance companies work directly with RSA, there is no third-party integrator between insurance and RSA.
It is at this stage that numerous problems arise with the “failure to receive confirmation from the SAR.
- Do you plan to detail errors?
Yes, we have in the near future plans to finalize the interface, which will allow the client to show what exactly in his data does not match the information that is in the PCA
- How do you assess, after what time all technical problems will be eliminated and the work of e-OSAGO normalized?
PCA, together with its contractor, regularly fix technical problems. Predicting when everything will stabilize is hard. We very much hope that this will happen in the very near future.
- How can I verify that the e-MTPL policy received by email is valid?
- Do you already know of successful or unsuccessful cases when inspectors of DPS inspect electronic insurance policies on the road among your customers?
Yes, such cases already exist. Unfortunately, the traffic police are not very loyal to electronic policies, but according to our data, not a single fine has been issued.
The Bank of Russia together with the STSI is planning to hold a meeting in the coming weeks to discuss various aspects of the procedure for road checks with drivers of OSAGO electronic policies.
- How to make changes to the insurance policy? For example, enter new drivers, change the driver’s number, etc.
Today you need to contact any of our sales offices. Over time, the ability to make changes will appear in your account.
- And is it possible to prematurely terminate the CTP insurance agreement (as is the case with a paper policy) and get part of the money back for an unused period (it is sometimes necessary when selling a car)
Yes. Everything is similar to a paper policy.
How to change data in the policy
1. You cannot change the vehicle in the electronic insurance form.
2. The insurer - a new individual will not be entered on the form.
3. You can not fix the insurance period.
In all of the above cases, you must first terminate the insurance contract and conclude it again. Such changes are not made to the policy.
Changes to the policy are allowed only for certain parameters. If it is necessary to replace other information, only the termination of the current contract and the conclusion of a new one are required.
So, you have to completely change the insurance if:
- the term of the policy is changing;
- need to insure another vehicle;
- the policyholder changes.
In this case, the change of ownership of the car should not provoke the conclusion of a new contract.
Before contacting the branch of the insurance company, the applicant must take into account that not all data can be changed in the current insurance contract. For example, are not subject to change:
- vehicle change, i.e. replacement of registration data of one machine with another;
- replacement of the insured car;
- change of contract duration.
Sample application and contract
* This is an exemplary application form and may vary by insurance company.
Download the form “Applications for amendments to the policy of compulsory motor liability insurance”.
If the insurance company cannot immediately make changes, the client is given a copy of the application with a mark of acceptance.
The section with the calculation of the insurance premium payable or refunded is filled in by the representative of the insurance company who accepted the application.
After making the changes, the policyholder fills in the lower part of the application and puts his signature.
Today, to conclude an agreement on an insurance policy, it will be necessary to draw up a special statement.
There is a standard form of this document, it without fail includes the following:
- name of insurance company;
- the policyholder;
- vehicle;
- list of drivers allowed to drive the car;
- the period of use of the vehicle is indicated;
- other information;
- insurance premium;
- special marks;
- signed and transcribed with a seal.
This application can be downloaded and filled out at home, on a personal computer. An equally important document is the insurance contract.
At the moment, this document is fundamental in the provision of services of the type in question. It is worthwhile to familiarize yourself with all of its main provisions.
Download the application. Download the contract.
The MTPL agreement necessarily includes the following sections:
- number of the insurance contract itself;
- city \u200b\u200bof conclusion of the agreement, date of drawing up and signing the contract;
- subject of the contract;
- vehicle;
- insurance case;
- insurance amount;
- insurance premium;
- obligations and rights of the parties;
- the term of the agreement, the procedure for concluding and terminating;
- responsibility of the parties;
- final provisions;
- details and signatures of the parties.
Termination of the MTPL agreement is carried out in a standard way. To do this, it will be enough to submit a policy to the insurance company, as well as a statement and confirmation of the validity of this action.
Moreover, early termination of the contract is allowed only in a certain list of cases.
These are:
- change of ownership of a vehicle (car sale);
- death of the owner of the vehicle;
- some other situations.
It will be required to provide documentary evidence of the validity of the early termination of the contract. Otherwise, the insurance company has the right to refuse early termination.
How to enter the driver in the insurance policy?
The electronic insurance policy “Ingosstrakh” allows the addition of additional drivers who will also be allowed to drive a vehicle.
The following documents will be required to carry out this procedure:
- current insurance policy;
- passport, as well as a driver’s license of the new driver.
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The algorithm for adding a new driver is as follows:
- find the nearest office;
- a package of necessary documents is prepared;
- the application along with the documents are submitted to the office of the insurance company;
- additional insurance premium is paid;
- a new MTPL policy is being drawn up - or an additional record is being made.
Insurance companies enter a new face for a fee. Therefore, the question of how much it costs to enter a driver into the CTP insurance policy is very relevant. As a rule, the final cost of the changes directly depends on the following factors:
- The remaining period for which the validity of the already issued insurance certificate is calculated. If you issued a policy in January, and enter a new driver in June, then only the remaining months, and not the whole year, will be taken into account.
- KBM and PIC of the driver, the data of which will be entered into the policy.
So, how to add a driver to the insurance policy? For this, it is necessary to prepare a standard set of documents for making changes, plus a passport and a driver’s license, which will be added to the policy additionally.
Before you enter another driver into CTP, you must correctly calculate the insurance premium.
This amount depends on several factors:
- driver's age and length of service;
- the term in which the new driver did not get into an accident due to his own fault.
Age and driving experience are distinguished by four values, the most expensive of which will be a 22-year-old driver with three years of driving experience.
According to the rules, all subsequent payments and the total amount of insurance will be calculated on the basis of the data about the youngest driver.
How to get OSAGO car insurance online in Ingosstrakh
Today it will be possible to extend Ingosstrakh's insurance policy through the Internet. To do this, you must visit the official website of this insurance company.
The algorithm for the extension of an already acquired compulsory insurance policy is as follows:
- follow the link ingos ru / ru / private / auto / osago /;
- select the “buy-sell” section - extend the policy;
- then it is required to enter the series, as well as the number of the current contract, the last name by agreement;
- if the policy is really present in the database, it will only be enough to pay for its renewal with a bank card and CVV code.
If for some reason there is no access to the Internet, then it is possible to carry out an extension directly at the office of the company.
Minor changes
In addition to adding a driver to the CTP insurance policy, many are interested in information about the rules for making adjustments to other columns.
It is necessary to personally come to the office of the company in order to change:
- period of use of the vehicle;
- driver license number;
- registration information;
- license plate number of the car;
- title Number
- any personal data indicated on the insurance form.
To do this, you must have a valid insurance policy and documents confirming the replacement of certain data. So to change personal information, it is often enough to provide a passport with a new registration.
When changing the name, it is better to first change the passport, title and rights, and then go to the insurance.
Check
It is possible through the Internet to check the insurance policy. This can be done through the website of the Russian Union of Auto Insurers. The verification process itself will only require access to the Internet.
The algorithm is as follows:
- go to the address dkbm-web.autoins ru / dkbm-web-1.0 / bsostate.htm;
- we introduce a series of the form of the policy of insurance;
- the number of the MTPL policy form is indicated - only one number;
- enter the security code confirmation;
- click on the "search" button.
If there is an insured event, Ingosstrakh CTP allows you to receive a cash refund or a referral for repair.
After the purchase, you will need to check the availability of the corresponding form in the SAR databases. In the absence of information, it is likely that the policy itself is fake.
Payouts and deadlines
Today, payment is made on the basis of a special list of documents that must be submitted to the insurance company.
In this case, the accrual of funds for a particular insurance event should be carried out within only 20 days. In case of violation of this period, the client has the right to apply to the regulatory authorities to resolve the situation.
It is important to remember that the countdown of this period necessarily begins after the submission of documents. It will be necessary to notify the insurance company as quickly as possible.
Finally
It turns out that in order to make changes to the insurance policy, the insured must personally contact the representative office of the insurance company with a personal passport and write a statement. All changes to the CTP policy are made on the day of treatment.
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What is the difference between conventional and electronic CTP
The success of electronic policies is clearly confirmed by current statistics: more than 300 thousand people are already using a paperless option for compulsory motor liability insurance. Nevertheless, many drivers in the old manner prefer to always have a paper policy with them.
This is especially true for people of middle and old age. It is mostly young drivers who prefer to issue an MTPL insurance policy online.
And not in vain, because the benefits of electronic insurance certificate are quite convincing.
For many drivers, technical progress has not yet reached, so they prefer to use the standard procedure for drawing up or renewing a car insurance contract.
Is there a difference between these insurance policies and what is the benefit of the CTP policy for the average driver?
Repairs
Each method has both its advantages and disadvantages. It is best to make a choice in advance.
The direction for repair can be obtained at Ingosstrakh as follows:
- all necessary documents are submitted to the office of the insurance company;
- examination is being carried out - at a special service station;
- a certain amount is assigned to carry out repairs;
- a direction is given to the hands
- repair in progress.
It is also possible to independently choose a service station at which such repair itself will be carried out.
It is important to remember that a law is being drafted in accordance with which the payment of funds will be stopped, only repairs at special service stations will become available.
How to fix the data?
Based on paragraph 11 of Ch. 1 of the OSAGO Rules, the policyholder is entitled to make changes through his personal account on the insurer's website. This happens by sending an electronic application to the UK, which is pending for 2 working days, after which time the client receives a response.
This may be an updated form of the policy in electronic form or a motivated refusal to amend the amendments remotely. Then the insured must personally apply to the office and receive a re-issued CTP policy in paper form.
One of the most popular questions on the Web is how to enter a driver into the CTP insurance policy. VSK, Rosgosstrakh and other insurance organizations offer a standard algorithm for replenishing the list of drivers who have the right to be behind the wheel of the insured car.
For the most part, this applies to car owners who have taken out insurance online.
The problem is this: let's say you first controlled the machine alone. Then they decided to add a wife, eldest son or friend to the list of users. To expand the list of drivers who are allowed to drive, you should contact the insurance company. It is necessary to take with you:
- the policy itself, where you need to make changes;
- the original driver’s license of the person you are about to enter.
From October 1, 2015, every motorist can apply for a car citizen via the Internet, which can significantly save his time. In connection with the introduction of such an opportunity, many motorists are faced with the problem of how to make changes to the electronic insurance policy.
It is easy enough to change the text of the form, which was written out manually by an employee of the insurance company. To do this, you just need to contact the company with the appropriate statement. But how to add a new driver to e-OSAGO insurance, how to change personal data? That’s what we’ll talk about now.
CTP - a policy of compulsory motor third party liability insurance, due to which compensation is made to the injured party in the event of an insured event. This document is required, and for its absence, a fine of 800 rubles is imposed.
With regard to changes in motor citizens, clause 1.10 of the Rules of compulsory insurance of civil liability of car owners states: “A change to the insurance that was executed in electronic form, in the manner prescribed by these Rules, may be introduced in the same way or by complete re-issuance on paper.”
So, to add another additional driver to the CTP insurance, you must either make these changes yourself, or you will seek the help of an insurance company employee.
It becomes clear that, by law, every motorist has the full right to make changes to the motor citizen. It remains only to figure out exactly what changes can be made to the electronic form and whether it is possible to enter a new driver into the insurance without a personal visit to the insurer’s company.
Currently, this opportunity is different depending on the company. In Rosgosstrakh, for example, in your personal account, through which the purchase of electronic motor citizens is carried out, no changes can be made, and in Ingosstrakh and Sogaz you can change a limited number of parameters via the Internet.
What is the meaning of e-CTP?
Currently, most drivers continue to apply for a citizen in the traditional way: they come to an insurance company, enter into an agreement and receive a paper form. But at the same time, today more than 200 thousand of our compatriots
What is the difference between these two types of insurance and what is the benefit of concluding an electronic car insurance contract:
- The first, and, perhaps, is the fact that this type of insurance can be issued without leaving home, spending only half an hour. There is no need to go to the nearest office of the insurer, to spend our time and nerves on these fabulous lines, not to mention saving money on gasoline or travel, because not every one of us lives near the company.
- The second plus of the electronic version of registration of a motor citizen is the acquisition of “clean” insurance. As a rule, during a personal visit to the insurer, a lot of unnecessary services are imposed on the driver, they suggest adding additional types of insurance. In addition, there are cases when, when making changes to the insurance policy, the car owner is forced to receive a new form, which is not all appropriate and necessary.
- MTPL in electronic form allows you to repeatedly make copies of the insurance contract itself if the previous copy was lost or damaged. , which was drawn up in paper form at an insurance company, the motorist will have to re-contact the insurer and restore the auto citizen.
Such a policy can be printed at the office of the company.
True, e-MTPL has its drawbacks, among which the most important is the lack of the possibility of concluding an agreement in electronic form if insurance is issued for the first time. The driver data has never been entered into the PCA database, and the client himself does not have special access to the system for entering personal information. Therefore, a personal visit to the insurance is not enough.
And in all other respects, to issue a car citizen in electronic form, add a new driver to the existing policy and make other amendments - all this can be done via the Internet, spending a minimum of personal time. True, not in all situations.
Registration of electronic CTP
Before talking about how to make changes to the electronic insurance policy, we’ll look at how this type of insurance contract is drawn up.
To apply for a car citizen through an online service, you need to take just a few simple steps:
- From the words of acquaintances or recommendations on the forums, you can draw certain conclusions and choose the company that can adequately protect your interests in the event of an insured event.
- We create a personal account on the site of the insurer company and, after passing a simple registration procedure, enter the following data into the form:
- Name, date of birth;
- passport data;
- contact phone numbers;
- valid and verified email address;
- address of the actual residence.
After that, the manager of the company, which can take about a quarter of an hour to process. Upon confirmation of the request, information for entering the personal account comes to the mobile phone.
Important! Under no circumstances should your password be shared with others. This is, to what extent, your electronic signature.
After entering the account, go to the tab "Registration of electronic OSAGO".
Here the insurer offers to fill in the appropriate fields:
- personal data, including the series and number of the pastor, contact phone number and driver’s license number;
- vehicle data;
- information about persons who will be able to use this document.
After that, the data will be processed again, and upon completion, the price of the policy will appear on the screen, which must be paid in any way convenient for you: through the terminal, online banking, relevant services, etc. Cash is also possible, which implies a visit to the insurance company.
If you have not received a message with the amount to be paid, then most likely the data you entered is incorrect or contain an error. Therefore, before you enter information in the appropriate fields and save it, carefully check everything.
What changes can be made in the electronic policy?
Expert Opinion
Natalya Alekseevna
As mentioned earlier, some firms provide the ability to change data in electronic form. However, far from all the information of the insured can be changed in the insurance policy.
First, let's figure out who can make changes to the policy of a motor citizen? If we are talking about electronic form, then only the owner of the personal account has the right to replace data. Remember that non-disclosure of a password is a guarantee of the inviolability of your information. Well, and in the case of a private visit to the insurer, of course, only an employee of this company is engaged in all actions.
So, what changes can be included in the insurance policy, regardless of its design method:
- Adding a new driver. And how to enter a person in the insurance, we will tell a little later.
- Change of period to be used by the policyholder of the CTP policy.
- Change information about the place of registration.
- Replacement TCP.
- Replacement of state numbers.
- Change of personal data.
- Replacing the owner of the vehicle.
What data in the policy cannot be changed:
- vehicle data -
- the policyholder, if the changes concern not his personal data, but the person himself;
- insurance period - the form itself indicates that the period for which insurance is issued is 12 months.
To make changes to these clauses of the insurance contract, you must personally contact the insurer and renew the new contract.
A new citizenship must be issued if:
- you want to insure another vehicle;
- insurance rights are transferred to another person;
- temporary insurance is available.
How to enter new data into the insurance policy or replace them?
Prepare documents in advance.
How to make changes to the electronic insurance policy?
Let's discuss in more detail the situation, how to make changes to the electronic insurance policy.
Change in the number of drivers
Unfortunately, today in order to add a driver to the policy or remove one of the participants in the list, you must personally contact the insurer with a written statement, bring the documents of the added person and, if necessary, you will have to pay an insurance premium.
As for the size of the surcharge, the amount can and even needs to be independently calculated using an interactive calculator. After all, referring to the inexperience of the insurer, who does not know how much it costs to enter another driver in a motor vehicle, some employees knowingly increase the size of the surcharge.
Change of period of use
The base term of a motor citizen is 12 months, but if the motorist wants to shorten the period of use of the policy, then the data on this are indicated in the corresponding columns.
In the event that the driver and then decided to increase it, then through the personal account on the insurer's website, you can enter data on the change in the "Special Notes" column. In this case, changes to the form must be made before the end of the period indicated in it.
Change of driver's license
When replacing a driver’s license, it is also necessary to adjust the data in the electronic form, which is quite possible.
But, as mentioned earlier, making changes on some sites of insurers is impossible. So, it is not possible to replace data in the OSAGO electronic policy on the Rosgosstrakh website, while other companies will be able to provide you this opportunity. Five, changes are made to the column "Special Notes".
Replacing the state number of the car is carried out on an identical basis.
Changing of the living place
It is about changing the registration of the owner of a motor citizen. To realize this, you don’t need to go to the insurer's office at all, you just need to indicate the changes in electronic form by entering the new registration data in the corresponding column.
I would also like to stipulate one more point, the coefficient of territoriality of the owner of the car affects the price of the policy. Therefore, if the system gives out that this indicator has changed, then you will need to either pay extra or return the balance of funds, which the insurer himself must do.
Total
Amending the insurance policy is one of the simplest procedures, which, in principle, does not cause any problems.
True, few manage to change the data in the electronic policy, since far from all companies provide this kind of opportunity. For example, to enter an additional driver in the insurance policy, you must personally visit the office of the company, write a statement and provide the documents of the new motorist.
Have you encountered such situations when it became necessary to replace data in a motor citizen? If so, how did you implement this, and what difficulties did you encounter?