How is car insurance done? Is it possible to insure a car without an owner? How to get a CTP insurance policy: features and nuances
It happens that a person who does not drive a car on his own becomes the owner of this vehicle... And here a completely logical question arises - is it possible to issue an MTPL for your new car without a license?
Is it possible to insure a car without a license
The state has thought over and worked out this question, and there is an unequivocal answer to it - yes, it is possible.
Even if the vehicle was purchased or received as a gift by a person who does not have a driver's license, it is assumed that relatives or friends of the newly made car owner can use the car. In this case, the responsibility of the person driving must be insured! Therefore, the owner of the car can safely come to the insurance organization and personally issue the MTPL.
That is, the owner of the vehicle at the time of his appeal to the insurer is only the insured, who protects the liability of persons allowed to drive his car, and not its user.
Insurance procedure
Now that we have learned whether it is possible to insure a car for an owner without a license, we can move on to another question - how to do it? First, you need to decide whether it is rational to purchase an unlimited option of insurance, or it is better to take the usual one. In the first case, the owner will only need documents for the car and a personal passport. Subsequently, having received a driver's license, you can immediately start driving your car without visiting the insurance company again.
It should be remembered that OSAGO without restrictions is an expensive pleasure (about twice as expensive as the usual option), but it allows anyone with a driver's license to get behind the wheel.
Registration of a simple policy compulsory insurance also requires copies driving license of all people who are going to use the car.
If the certificates are subsequently changed, it is necessary to promptly notify the insurance company of each change. If the owner learns at a driving school, and also joins the ranks of drivers, then in order to use his car, he again must contact the insurance company to be included in the document.
Here is a complete list of documents that must be provided to the agent:
- statement;
- passport of a citizen of the Russian Federation;
- passport or vehicle registration certificate;
- copies of the driver's licenses of all persons that must be entered in the document (if the insurance is limited);
- diagnostic card (not required if the vehicle is brand new).
The registration procedure will take a few minutes, the main thing is to have the patience to stand in line.
How to reduce the cost of the policy for a car owner without a license
If you want to save money on compulsory motor third party liability insurance, then it is quite possible to do it. To do this, you should choose a limited insurance option and enter into it a person whose age has already reached 22 years old, and has exceeded 3 years of driving experience. Savings in this way are significant, sometimes of the order of 20-35%.
It should only be taken into account that an experienced driver must be included in the insurance either alone, or along with the same experienced comrades, since when calculating the cost, the "weakest" of them will be taken as the basis. So, if in the list of persons allowed to drive there is a person with a driving experience of more than 3 years, but who is not yet 22 years old, then it will not be possible to save a lot on the policy - only about 10% will be gained.
To summarize, making insurance for a car for an owner who is not entitled to drive himself is as easy as for an experienced motorist with extensive experience. The difference will not even lie in the price, since the policyholder himself is not included in the list of persons who use the car.
From January 2017, insurance companies are obliged to provide an opportunity to register insurance policy through the Internet . These innovations started back in 2015, but in reality they hardly worked.
Those who tried to actually implement the instructions on how to insure a car under OSAGO via the Internet, faced with the fact that the sale function did not work on the websites of insurance companies.
At a certain stage of filling out the forms, the resource gave an error, referring, for example, to outdated data.
The law did not provide for liability of insurers in case of failure to provide electronic services ... Accordingly, the technical support services of insurance companies did not pay sufficient attention to ensuring the operability of services.
The question itself “how to arrange electronic policy OSAGO ”presented no problem. It was difficult to find a company that actually provided such a service.
Amendments to the law on OSAGO, introduced in January 2017, require policyholders to ensure the uninterrupted operation of services for the sale of electronic policies.
The insurer's website cannot stop working for more than half an hour a day... Any planned maintenance work must be announced in advance with a mandatory indication of home page the corporate website of the insurer, the exact time of their start and end.
The sanctions for violation are quite serious:
- 100-300 thousand rubles of a fine for a one-time refusal to conclude an insurance contract;
- revocation of the license in case of repeated malicious violations.
How to get an electronic OSAGO policy via the Internet
To get an electronic OSAGO policy, you must perform the following steps:
- Open the website of the insurance company and register in the "Personal Account".
- Click on the link "Electronic MTPL" or "e-MTPL".
- Choose one of the design options “renewing the old policy” or “issuing a new one”. The first case is relevant if you have already drawn up a policy in this insurance. In this case, it is enough to enter the old OSAGO number and your passport data. Then the registration procedure will take less time.
Important: if the validity period of OSAGO ends later than 2 months later, it is impossible to extend the validity of the insurance. This is done in accordance with the law on OSAGO.
- Enter passport data, phone number, e-mail, driver's license, title and diagnostic card data (if the car is older than 3 years). In some cases, insurers require uploading scanned copies of documents. They should be legible and free from glare and smudges.
- Wait until the end of the verification of documents (it does not exceed half an hour according to the law).
- Click the "Payment" link that appears and make a payment using a bank card or other tool that allows you to pay online. You can even pay in cash. To do this, you will have to visit the insurance office or order delivery by courier and pay for the policy upon delivery.
- Receive an electronic document sent to the e-mail specified during registration and print it.
It should be remembered that the action of the electronic OSAGO begins from the day following the day of registration.
It happens that when entering data into personal account the car owner makes mistakes.
Even additional data verification does not completely rule out inaccuracies. How to make changes in OSAGO?
Effective tools that allow you to change OSAGO data based on the request of the insured and RSA DB data are just being developed.
How to add a driver to the electronic OSAGO policy or make other changes? It is necessary to apply with a written application to the insurance company.
The application will be processed and the required changes will be made to the database shortly.
In order not to have to enter the driver, you can do it easier: issue a MTPL with an unlimited list of drivers.
According to the law, each insurance company is obliged to provide an opportunity to buy OSAGO via the Internet... Each of them has an official website address where you can make a purchase.
Video: I buy an electronic OSAGO policy without special stages, how to issue it online?
We figured out the question of whether it is possible to issue OSAGO via the Internet. However, car owners sometimes run into some difficulties when trying to follow the instructions:
With questions and complaints, you can contact the Bank of Russia, the service for the protection of financial services and minority shareholders.
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2 comments
I have a question.
According to my passport, I have a residence permit in the Moscow region, but I permanently reside in the Republic of Crimea, I have a temporary registration in the city of Feodosia. I am the owner Renault car Sandero Stepway 2014 release. The car is registered in the traffic police of the city of Feodosia of the Republic of Crimea. In 2015 and 2016, I made OSAGO insurance at the place of temporary registration, that is, in Feodosia, I wanted to renew the insurance in 2017, but they refused me, arguing that the OSAGO should be done only locally permanent registration, although the car has never left the Republic of Crimea, and I have a temporary registration here.
Explain, please, is this legal ???
my e-mail address: [email protected]
All drivers in our country, before getting behind the wheel of a car, are required to insure their civil liability... Driving without an OSAGO policy is an offense and is punishable by a large fine. To simplify the procedure for obtaining a policy, from 2017, insurance companies are required to provide an opportunity to insure their liability or a car via the Internet. Let's see how this can be done.
Registration of the policy through the online service of the insurance company
To begin with, it is worth clarifying whether the selected insurance company provides such services. Today, all major insurers are ready to accept applications and issue policies online. But sometimes temporary failures occur in the system, about which a corresponding warning appears on the site.
The procedure itself is quite simple:
- First you need to register. To do this, you need to fill out a special electronic form, in which the client's personal data is entered. They should be indicated as accurately as possible, including the passport number and address. The result of registration will be the receipt of an SMS or letter to an email address with a username and password.
- The next step is to enter the site using the data received during registration. In your personal account, you need to select a service for issuing or renewing an OSAGO policy and fill out an application. It will reflect the same information as when filing in paper form. The application must be certified with an electronic signature or by entering the password issued during registration.
- If all the data is entered correctly, the system will offer to go to and select payment methods. Submit necessary funds any in a convenient way, for example, by paying with a bank card or e-wallet.
- After passing the payment, the completed policy form will appear in your personal account and will be sent to the specified e-mail. A hard copy is also available on request. At this point, the process of obtaining car insurance via the Internet can be considered complete.
Many insurers also offer a simplified option that allows you to renew your existing policy. Clients whose contracts expire are sent a link to an already completed document in their profile on the site. It is enough to check the data and make a payment.
Making insurance on the State Service portal
You can issue a policy for any insurance company through the portal of public services. For those who have already registered on it, you need to log in to be able to use the service. Newbies will have to take a little time to verify their identity first. It usually takes one day.
In the section "Transport and driving" you must select the subsection "Electronic insurance". A list of insurance companies will be offered to registered clients. It is recommended to choose the one where the OSAGO policy has already been drawn up. This will allow you to get Better conditions when determining the MSC.
After that, you will be redirected to the website of the selected insurance company. Further actions are similar to those when making insurance in the personal account on the website. In the proposed form, you enter data about the car, its owner and drivers. After that, the system automatically calculates the required amount.
Payment execution completes the process of registration of the policy, which is sent to the email address, appears in the profile and is transmitted to the unified information system. All data is transmitted through secure channels and cannot be intercepted by fraudsters.
Possible difficulties and problems
The transition to the registration of electronic policies for a car via the Internet implies the transfer of information about them to a single electronic database. To check the availability of insurance, it is enough to enter the car number. This innovation is designed to relieve drivers of the need to carry a policy with them. However, the system has not yet been perfectly debugged in all regions, so it is still recommended to print the policy and have it with you.
Of the other difficulties that car owners face when insuring via the Internet in 2020, it can be noted:
- lack of confirmation in the AIS system of driver data;
- mismatch of the entered data with those available in the system;
- technical failures, etc.
However, these are temporary difficulties that will be eliminated in the future. But there are other problems associated with the peculiarity of the electronic policy design:
- only the owner can issue it, it is impossible to do this by proxy;
- the data of the new car is not in the AIS database before registration with the traffic police, therefore the first policy will have to be issued at the insurer's office;
- more frequent cases of fraud under the guise of mediation when issuing a policy with obtaining access to bank card data.
Online relieves car owners from the need to personally pay a visit to the office of the insurance company.
For the first time a compulsory vehicle insurance policy in in electronic format, were introduced in July 2015 and can be issued to this day. Therefore, the question of whether it is possible to issue OSAGO via the Internet is not entirely relevant.
ATTENTION: Initially, the electronic policy was an option for insurers, but in 2016 the State Duma Russian Federation amendments to the federal law No. 40, according to which all insurance companies from January 1, 2017 are obliged to provide a service for issuing electronic "car insurance" via the Internet.
General conditions and order of registration
After meeting these requirements, it will be possible to conclude an agreement.
What documents are required?
To purchase an electronic compulsory vehicle insurance policy, you will need the following documents:
- passport of the person for whom the insurance will be issued;
- passport of the citizen who owns the vehicle (only if it differs from the policyholder);
- certificate of state registration of the car;
- passport of the insured vehicle;
- driver's licenses of all citizens that will be included in the policy;
- diagnostic card of the car.
All documents will be needed in the form of electronic copies (scans or photographs). The originals are not required to be presented to the company.
Personal account registration
It is possible to carry out the procedure for issuing an electronic "car civil liability" only by pre-registering in your personal account online. This registration has standard form. The following data will be required from the policyholder:
After entering all the necessary data, the system will automatically check them against the unified AIS OSAGO database. If the data is confirmed, then the password from the personal account will be sent to the policyholder's phone (the phone number is used as the login).
If an error is found: the system will highlight incorrectly filled fields in red... The data in them will need to be adjusted. If, despite the correctness of all the entered data, the system continues to issue an error, you will have to receive a password from your personal account in the office of the insurance company.
Application submission
After registering your personal account, you will need to enter it using the sent password. Then select the item "Issue electronic OSAGO" or similar and.
The standard fields for the application form for electronic MTPL are:
- The date from which the contract must begin.
- The term of the contract is 3, 6, 9 or 12 months.
- Surname, name and patronymic of the policyholder.
- Date of birth of the policyholder.
- The series and number of the passport of the person for whom the insurance is issued.
All data about the insured will be copied from the data of the person to whom the personal account is registered. They will have to be edited only if the policy is issued for another person.
- The make and model of the insured vehicle.
- The year of manufacture of the vehicle (this parameter refers to the year of the first registration of the car on state registration, i.e. if the car is 2015, but purchased in 2016, then the year of manufacture must be selected 2016).
- Engine power according to TCP.
- The series and number of the passport of the insured vehicle.
- Series and number of the document confirming the state registration of the car.
- The series and number of the vehicle diagnostic card.
- Name and driver's license numbers of all persons who will be entered in the insurance policy.
After entering all the data, you must click the "Send" button, which initiates automatic data verification in the AIS OSAGO.
If the data is accepted, the screen will display the cost of the insurance contract, insurance payment options and a field for entering an e-mail for sending an electronic policy. If some data is not accepted, the system will generate an error, and the problem fields will be highlighted in red.
Payment for "car insurance"
This is legally unnecessary, but unnecessary difficulties may arise because the system is new.
Watch a video about the registration and payment of the OSAGO electronic policy:
Dates and fees
Electronic OSAGO is designed to speed up, simplify and reduce the cost compulsory insurance vehicle . Therefore, you do not need to pay any additional fees for it, and the time for registration and receipt of an electronic "autocitizen" even for an inexperienced user takes no more than 30 minutes.
PCA website
Despite numerous requests from policyholders, the Russian Union of Auto Insurers has not launched a single service in which it would be possible to register in electronic form and issue a policy through the PCA. For 2017, this non-profit organization only monitors the turnover of these policies and controls the correctness of filling a single database of policyholders. We wrote in detail about the role of PCA in the registration of OSAGO online in.
Nuances
When executing and registering an online electronic contract for compulsory car insurance under OSAGO, some nuances may arise:
Ask an expert
Self-registration of an OSAGO policy via the Internet is not yet very popular among drivers. It seems to us that it is safer to personally come to the insurance company and conclude a contract in person, having clarified all the available questions on insurance services.
On the other hand, those who from year to year insure their car in the same organization do not mind extending OSAGO via the Internet - no new questions arise, the algorithm of actions has long become a habit, but they do not always know how to do it correctly. An added bonus can be time and even money savings - some insurers offer a discount if you contact them online. How to correctly insure your car over the Internet, read this article.
Save time and money
The real opportunity to issue OSAGO via the Internet appeared not so long ago. So, at first, the policy could only be extended in this way (from 07/01/2015), and only later (from 10/01/2015) motorists began to issue it from scratch.
It is no secret that many insurers in recent times impose additional services in the form of life insurance or real estate. We all know that coercion to buy additional services far from the law, but you can't drive without OSAGO either. Therefore, motorists buy the entire package of services, paying for it at exorbitant prices and thereby raising the profits of insurance organizations. When issuing an electronic policy, this is excluded: the client marks only the type of insurance that he really needs.
In addition, drivers living in remote areas can no longer waste time traveling to big cities for the conclusion of insurance contracts. Also, insurers who do not want to provide an OSAGO service and motivate their refusal by the absence of forms will not be able to do this on the Internet: there are always electronic forms. Legal entities it is allowed to issue policies through world wide web from 01.07.2016.
How to choose an insurer to obtain an MTPL policy online
If you have been concluding contracts with the same insurer for many years, there is probably no point in changing it. But what if your company has not yet established an electronic contract drafting process? Experts nevertheless believe that it is better to wait until the progress spreads to other insurers and for the time being to issue the usual paper form of OSAGO, because too often, due to the imperfection of the insurance system in Russia, there are problems associated with the non-use of MSC.
Currently, you can insure a car via the Internet and get an electronic OSAGO policy in about twenty companies:
- MSK Moscow Insurance Company (http://sgmsk.ru/);
- Parity-SK (http://www.paritet-sk.ru/);
- Rosgosstrakh (http://www.rgs.ru/);
- Energogarant (https://www.energogarant.ru/);
- Consent (https://www.soglasie.ru/);
- VSK Military Insurance Company (http://www.vsk.ru/);
- Alpha insurance (http://www.alfastrah.ru/);
- Reso-guarantee (http://www.reso.ru/) and some others.
From January 1, 2017, all insurance companies are required to provide citizens with the opportunity to obtain an MTPL policy online.
When choosing an organization, you should familiarize yourself with customer reviews, as well as with the information provided on the official website of the company, while paying attention to:
- the size authorized capital(the bigger, the better);
- period of work (duration over eight years is encouraged);
- rating among insurance companies - this information can be found on the Internet, as well as on the PCA website.
It is convenient to use integrator websites to choose an insurance company in your region and compare prices.
Insurance registration procedure
The procedure for issuing OSAGO itself is quite simple. Having chosen the company whose services you intend to contact, you need to go to its website, after which:
- register by providing your personal data (including the series and number of your passport), as well as your phone number and address of residence;
- enter your personal account using your login and unique code (password), which will be received in the form of an SMS message or an email. The password can also be obtained from the company office. In addition, if you use the portal of public services, then the same password and logins can be used to enter the personal account of any insurance organization;
- in your personal account you need to fill out an application for the extension or issue of a new policy. It must indicate the same information as when receiving the policy "the old fashioned way", while using electronic signature... If you do not have such a signature, then you can enter the password given to you - you can also verify your data with it;
- if everything is done correctly and you have passed the check in the Automated information system(AIS), then a message from the insurer will appear in your personal account, in which you will see the calculation of the contract price and the method of payment. The cost of the service can be paid by bank cards of almost all banks in Russia; in large insurance companies you can use in cash electronic wallets popular payment systems;
- after payment, the electronic OSAGO policy will appear in your personal account and will be additionally sent to your mailbox. We recommend that you print the policy and have it with you while driving - not yet ideally valid in all regions single base, by which you can check the availability of insurance by the state number. In such large companies as Rossgostrakh, after purchasing insurance on the Internet, a policy on paper is delivered to the client's home free of charge. Together with the document, the owner of the car is sent information about contacts, an algorithm on the procedure for action in case of an occurrence insured event etc. They can also be printed out for use.
According to clauses 4 and 7.2 of Article 15 of the Law on MTPL, the printed electronic policy completely replaces the original paper policy on the form of the State Sign.
Simplified design option
Recently, large insurers, realizing that it is difficult for a citizen to independently issue an electronic policy, a few days before the expiration of the contract, send an SMS with a proposal for an extension on the website. The message looks something like this:
Dear Ivan Ivanovich! Your OSAGO policy, series YYA number 0101010101, ends on 12/01/2019. You can renew it online: we have prepared an electronic MTPL policy for you. To confirm the data and pay for it directly on the website, follow the link www.RGS./ru/eOSAGO, then follow the instructions. Your pin code is 010101.
If you received such an SMS (in the example, the link of Rossgosstrakh is used), then the procedure for obtaining insurance on the Internet is significantly simplified for you. Your actions are as follows:
- Follow the specified link, you will be asked to indicate your phone number and PIN code from SMS - so the system will find the document prepared for you.
- You will be prompted for a password for your personal account, which will be sent to your e-mail. Change this temporary password, use the new one to log into your account on the website of the insurance company.
- In your personal account, you will be asked to familiarize yourself with the prepared policy with the data already entered. You need to get the previous one and check the data of the car, the main and additional drivers, the validity period, etc. If everything is the same, check the box to mark the consent.
- After that, you will be prompted to go to the payment page, where you go through the procedure for a regular online purchase.
- After payment, you will receive a policy and all accompanying documents that need to be printed out by e-mail.
Let us remind once again that only large insurers work in this mode. By using such a simplified procedure for the electronic compilation of an OSAGO policy, you will save money and time as much as possible, as well as avoid technical problems and possible errors in the text that you could have made when filling out yourself.
If something went wrong
The most frequent failures in the registration of an electronic OSAGO policy can be:
Lack of confirmation of driver data in unified system AIS
Without this, the user will not be able to fill out the application and receive the service. It is difficult to say why such a problem exists and how to fix it - perhaps your data was not entered on time or a failure occurred in the insurer's program;
Examination
Considering that no documents need to be submitted to the office, the insurer's employees check all the data specified by the driver on the database. So, when registering OSAGO on the Internet, they will definitely check for information about the technical inspection, about accidents involving the client's car, his experience, as well as all the data about the vehicle (year of issue, date of issue of documents, driver's license, etc.). In some cases (they, it must be admitted, have recently become smaller), the check stops at some stage - for example, no information has been received about the passage of a mandatory technical inspection, without which no one will issue a policy. For the conscientious owner of the car, it becomes incomprehensible why a timely technical inspection is not displayed in the program and, thus, becomes an obstacle to obtaining an electronic MTPL. The reason for such a circumstance may be the erroneous entry of data during the passage of a technical inspection or a malfunction in the system;
Technical errors
When filling out, you need to be extremely careful, since all errors that were made in the application will become the basis for refusing to issue a policy, both on paper and electronic. The AIS system will indicate that the car owner does not exist with the data specified in the application, so it will not be possible to draw up a contract. Need to notify insurance company about such confusion and insist on entering data on your experience, previous insurance contracts and the series / number of the driver's license;
It is impossible by proxy
To date, only the owner of the car can issue a policy online, it is not yet possible to do this by proxy. There are also problems with the registration of a new car - until it is registered with the traffic police, there is no data about it in the AIS database - therefore, the transport can be insured exclusively with a personal visit to the office;
Mediators
When it becomes possible to use online services on the Internet there are many intermediaries offering services for filling out the form. We do not recommend contacting them for help - after all, you will need to pay for services on your behalf, while no one will give you a guarantee of the absence of fraudulent intentions in this case. Attackers can easily get hold of unique information about bank card... In addition, there is a danger of the subsequent use of your personal data for questionable purposes;
Regional problems
According to the current rules, it is impossible to order an electronic policy in a company that does not have a representative office in the region of residence of the car owner. The availability of the service in a particular organization will be displayed when filling out the form;
Problems on the websites of insurers
Users still face technical problems on the sites of insurers: from a very long check of the entered data in the PCA to a complete shutdown of the site. At the same time, the possibilities of providing services are improving, so you should not give up the opportunity to keep up with the times and draw up documents remotely.