Electronic CTP: customer reviews

With insurance it is important to remember that in any case a person living in the territory of our country, after purchasing a vehicle, must first insure him. For the absence or expired date of insurance in the legislation of the Russian Federation, large fines are prescribed.

For those who do not have the opportunity or the desire to visit the office for insurance, there is an opportunity to do this via the Internet. Already, almost all insurance companies are giving their customers this opportunity. It is very convenient, fast and is much cheaper than an ordinary paper policy issued in the office.

Now the electronic OSAGO reviews collect numerous. So far, many car owners are embarrassed by this way of insurance. They prefer to make out OSAGO in the old manner. At the same time overpay is quite noticeable.

Annually, according to statistics, the policy of OSAGO acquires about 42 million citizens. As practice shows, the current situation of MTPL does not allow to fully cover the insurance of its customers. Because of this, more and more applications are submitted to the courts, and some people simply reimburse their losses from their own funds, believing that there is absolutely no reason to sue. Naturally, such people leave comments on the Internet about the insolvency of companies. The situation in the insurance market remains mixed.

What is an electronic MTPL policy?

What are the electronic policies collected by OSAGO? This question interests many.

Compulsory motor third party liability insurance begins its history from the 1920s.

Initially, such a policy was introduced in the United States, but a few years later (by the 1940s) spread throughout Europe. It was intended for financial guarantees of compensation for damage caused by accidents on the roads.

In Russia OSAGO finally took shape much later. The Soviet authorities considered the issue of introducing insurance compensation for road accidents, but deemed it necessary to postpone it. Only on 01.07.2003 Federal Law No. 40-FZ "On compulsory insurance of civil liability of vehicle owners" came into force. Now the car owners of our country have certain guarantees for road accidents, which caused damage to the insured property.

What is the difference?

What is electronic OSAGO? Reviews are mostly positive. More details about this below.

Compulsory insurance is considered one of the guarantors of safe traffic on the roads, as drivers are more attentive to the rules. However, there are also drivers who, on the contrary, behave more irresponsibly, completely relying on insurance. Earlier it was possible to insure your civil liability, only by contacting the office. It would have to wait a long time in the queue.

Recently there was an opportunity to issue electronic OSAGO, the reviews confirm this.

This document has the same force as the paper policy. Electronic insurance means that the car owner is included in a single database. If necessary, he will be provided with the same services in case of an accident as the driver with a paper copy. All coefficients remain in the database, as a result, the driver will be able to receive a discount for new insurance for driving without accidents. And vice versa, if the driver often gets into traffic accidents, this will necessarily be reflected in the database.

Insurance tariffs for electronic OSAGO

Insurance compensations envisage their tariffs, which are officially established from the moment of introduction of compulsory insurance in our country. In the future, this law has slightly changed by introducing some amendments, but the basic base remains unchanged to this day.

The base rate of a tariff depends primarily on the type of vehicle (motorcycle, car, tram, bus, etc.). It is the basis of each of the tariffs, then multiplied by coefficients that depend on many points.

These moments provide for the e-insurance of OSAGO. Reviews about this are available.

Factors affecting the cost of insurance:

- engine's volume;

- region of residence (or registration) of the car owner;

- the number of owners who were in the insured vehicle;

- the experience of the driver, on which the policy of OSAGO is issued;

- the region in which the office of the insurance company is located.

Thus, the higher your experience and the smaller volume of the vehicle engine that is owned, the lower the costs of insurance.

Experienced analysts predict a short increase in the base rate of tariffs, which will significantly raise the immediate price of insurance. A distinctive feature of the electronic policy is its lower cost in comparison with the paper policy.

The order of registration of electronic insurance

Electronic CTP (reviews confirm this) to issue simply:

- on the official website of the insurance company you need to fill out an application;

- an individual can sign the form by means of SNILS;

- pay an insurance premium in any convenient way.

It is important to understand that this type of insurance may be issued only officially registered companies. A broker, an agent, any intermediary can not do this.

If everything is done correctly, after some time an e-mail will come with a letter enclosed with the policy. It must be printed and transported with you. That's how the electronic insurance policy of OSAGO is made out. Reviews can be found on the web.

Fraud in this area is not uncommon. In order to verify the authenticity of the policy, you can check its number in the SAR. The name of the insurance company is also checked.

The electronic policy looks the same as the usual insurance of OSAGO. Even the color gamut is preserved.

Major changes in insurance in 2017

New amendments in the sphere of compulsory motor TPL insurance were officially published in late August 2016. Presumably, by July 2017 they will already come into force. Car owners should pay attention to the following changes:

• The usual payment of compensation will now be difficult. First of all, the insurance company will give directions to the maintenance station for a free car repair.

• The limit on the euro-protocol in case of an accident is increased to 100,000 rubles (in the cities of Moscow and St. Petersburg up to 400,000 rubles). This already provides for the electronic policy of OSAGO VSK (reviews are available).

• There will be a ban on the collection of additional payments from road traffic criminals, who were injured in the accident.

• It will be possible to receive personal data from the RSA database (Russian Union of Motor Insurers) without requesting an insurance company. In this regard, e-insurance is becoming more popular. After all, you can issue a policy without leaving home.

Another change that will be necessary for car owners will be a new principle for calculating MSC. It will be assigned on an individual basis.

Positive innovations of OSAGO

So, let's give a list of positive innovations.

• Registration of OSAGO in electronic form (reviews mostly good).

• The possibility of increasing the MBA without binding to the vehicle.

• Making group insurance becomes easier.
• The recalculation of the MSC with the introduction of amendments to the basic law will become annual. Earlier it was made only after the expiration of the contract.

Electronic policy of OSAGO "Uralsib"

Reviews confirm that you can buy an insurance policy electronically in this insurance company. Uralsib has established itself as a stable organization. Therefore policies of OSAGO, designed here, are popular. Payment of the company for various insurance is huge. At satisfied customers as a result there is no reason to go to court.

The insurance policy of OSAGO can be issued when you visit the office or via the Internet. The second option is preferable. This is due to the fact that there is no need to wait in queues, to get to traffic jams.

In order to receive an electronic version of insurance OSAGO, you need to go to the official site of Uralsib. There is a special section "Online insurance". You will first need to use the electronic calculator to calculate the amount of the insurance premium.

It is necessary to receive the password on the electronic box for entering the personal cabinet.

In special fields the insured enters information about himself and about the car.

What kind of information can this be?

Passport of the car owner.

- The passport of the insured, after all it can be different persons.

- Certificate of registration of the car or PTS.

- All driver's licenses of those persons who will be admitted to the management of the vehicle.

- Diagnostic card, confirming the fact that the car is faultless. Accordingly, the map must be up-to-date.

These are all the required documents. You also need to decide whether the client wants to purchase limited or unlimited insurance for how long.

After all the information is entered, you can proceed to payment. It is most convenient to make it from a bank card. After only a few minutes, the policy will be sent to the e-mail specified during registration.

Electronic insurance of OSAGO "Rosgosstrakh"

The reviews confirm that Rosgosstrakh is the undisputed leader in the insurance market. This is due to the fact that it exists for a long time and inspires confidence among many people. In this organization, there is also the opportunity to purchase an electronic policy.

In order to formalize the electronic OSAGO Rosgosstrakh (reviews confirm this) it is necessary:

- go to the official site rgs.ru;

- find a calculator for calculating the cost of an electronic policy;

- fill in the required fields;

- wait. The system will check the data from the SAR and give out the final price of the insurance. After that, you will be able to enter the personal area where you can pay for the electronic OSAGO. "Rosgosstrakh" (feedback) is credible.

When filling in the data you need to be extremely careful. All information will be checked against a common database. Also, this information completely affects the calculation of MSC and, accordingly, the cost of insurance.

After the payment is made, you can wait for an e-mail.

Often the question arises: is it necessary to print out the policy. So far this is necessary, since the traffic police do not have the opportunity to obtain information from the SAR.

FAC

The company VSK (Military Insurance Company) is known and reliable. It is not difficult to formalize the policy of OSAGO in electronic form. As in other organizations, it will be necessary to calculate from the official website. In the personal office, fill in the information about the owner and the car. Do this carefully, because the policy with errors will be invalid.

The company informs that the insurance issued through the Internet is extremely convenient in registration, because the whole process does not take much time. Also this way of obtaining OSAGO is reliable, safe and profitable. The cost of the electronic version is much cheaper than the paper version.

The discount for breakeven is preserved, which is convenient for regular customers.

All the information is immediately checked through the SAR, so this method of insurance is very fast. Data on the insured and his car are checked, it remains only to pay the policy. There is an opportunity to do this with a bank card. After a while, the insurance will come to the mailbox.

Reviews

How common are CMTPL policies in electronic form? Reviews are available that so far not everyone trusts such insurance.

On many official websites, the bulk of feedback carries negative characteristics of both the companies themselves and any insurance products. All this happens, because car owners, with favorable compensation, rarely come to the site to specifically leave there thanks to their insurance company. As a rule, they seek help or leave complaints.

One of the main topics of negative feedback is the "compulsory" purchase of additional services. It comes to the point of absurdity, when the life of one person is insured in one company several times. Such complaints are considered up to several months, so car owners buy such a package of services because of hopelessness.

However, it is worth remembering that each situation on the road is individual, because of what reviews need to be believed in this case is not always.

And in general, the electronic insurance of OSAGO reviews collects good. After all, it helps car owners to save money. In addition, e-insurance eliminated the need to sit in lines. It became very convenient to insure your civil liability without leaving home.