The main change that occurred on July 1, 2015 is the ability to issue a policy electronically. The purpose of the innovation is to make insurance affordable, even in remote regions. How can I buy an electronic insurance policy? Reviews of customers who managed to use this service are different. According to the Russian Union of Auto Insurers (RSA) , 27 insurance companies will sell electronic policies.
The initial stage of issuing an electronic policy
To apply for an insurance policy, you must go to the official website of the insurance company and register. After registration, a personal account will be available through which client identification and verification of personal information is carried out. After checking the data, an electronic signature key is issued.
You can get an electronic key to sign an insurance policy for OSAGO in several ways:
1) On the official website of the insurance company. To do this, you will need to enter your last name, first name, middle name, passport information, mobile phone and email address in your personal account. After checking the data, a secret code will be sent to the mobile phone, which will serve as an electronic signature key, allowing you to draw up an insurance policy. Reviews of customers who bought the policy in this way indicate that this is a very simple and quick option to purchase insurance coverage.
2) In person at the office of the insurance company. To obtain an electronic signature in the company, the client must first register on the official website and contact the nearest branch with a passport.
Filling out an application for CTP
As soon as access to the site is obtained, you will need to fill out an application. It is no different from the usual, in paper form, which is filled in at the office when purchasing OSAGO. After filling in all the fields, the application must be registered by electronic signature. If the registration is positive, the client will be billed for payment of the policy. You can pay by credit card. After payment, the MTPL policy is electronically sent to personal mail.
Getting a policy
As soon as the policy is sent to personal mail, it can be printed out and put into the vehicle. According to the law, the purchased OSAGO form can be provided to police officers in electronic form: on a mobile phone, tablet or laptop. It is also worth noting that all OSAGO policies are registered on the PCA website, and anyone can check for free a form by the vehicle identification number.
It turns out that in practice the purchase of a policy is simple and affordable for everyone. But how do you actually get an electronic
CTP insurance?Currently, the World Wide Web is actively discussing the advantages and disadvantages of e-insurance. Let us consider in more detail all the pros and cons of acquiring an electronic form.
Benefits of Online Insurance
Consider the advantages of issuing an electronic OSAGO form:
1) The main advantage is the quick execution of the contract. You can issue an insurance policy at any time convenient for you. To obtain a contract you need a personal computer and 15-20 minutes of free time.
2) No need to overpay for additional services, without which many insurance companies refuse insurance.
3) The finished document can be stored electronically and, if necessary, downloaded from the site.
Disadvantages of Online Insurance
Those motorists who tried to purchase an electronic insurance policy, reviews were left behind on the World Wide Web and spoke about all the shortcomings.
Consider the disadvantages:
1) You can’t buy a policy for a new car that is not registered. The thing is that when applying for a policy, you must enter the state registration mark of the machine. You cannot get numbers without insurance. It turns out that insurance for new cars is available only at the sales office.
2) The discount that the driver accumulates for each accident-free year of driving is not always displayed. It turns out that when you purchase a policy via the Internet, you overpay and lose the discount.
3) Insurance companies can customize the application menu at their discretion and automatically check the boxes next to additional insurance items. At registration it is very difficult to replace these items and uncheck. It turns out that there is a risk of acquiring unnecessary additional services.
4) If you make a mistake when filling out the application, you will not be able to make changes. Have to re-fill it. If you register the policy and after you find a mistake, you will need to personally contact the office of the insurance company, write a statement and wait until changes are made and a new CTP insurance policy is provided.
How to buy insurance policy on the official website of the company "Rosgosstrakh"
The very first company that offered motorists an electronic insurance policy - Rosgosstrakh. Customer reviews indicate that it is acquired quickly and easily. To purchase the form, you need to go through a simple registration on the official website, confirm personal information, fill out an application and receive a mandatory policy in electronic form.
If you believe the reviews of buyers of an electronic policy, there are some difficulties in filling out an application:
- the diagnostic card is not checked through a single EAISTO system, so not every motorist will be able to buy motor third-party liability insurance for a used car;
- when changing a driver’s license or last name, a discount is not displayed: in such a situation, you must personally contact a representative of the insurance company and ask to change information and save a discount for trouble-free years.
The undoubted advantage that many experts note is that those motorists who are already Rosgosstrakh customers can apply for a policy quickly and without problems through the company's official website. To renew the policy, you only need to enter the series and number of the old form, wait until all the information is downloaded, and click "calculate for a new term and renew." This is a very convenient service, which, undoubtedly, was liked by all customers of this insurance company.
The policy in the insurance company "Consent"
Currently, several large companies are ready to offer to buy an electronic insurance policy. Consent is a large insurance company, also included in the list of companies that began to sell electronic forms of compulsory insurance. The principle of purchase is similar to the purchase of a policy at the Rosgosstrakh insurance company. You must register, gain access to your personal account through which to purchase an insurance contract.
CTP purchase in Alfastrakhovanie company
The company "Alfastrakhovanie" first began to sell the CTP insurance policy only to Alfa-Bank customers who paid for the contract with its cards. However, after the e-insurance service, many citizens were able to use it.
The whole process of registration consists of three stages:
- registration on the website;
- filling out the questionnaire and paying for the policy;
- courier order for delivery of the form.
Buying at Alfastrakhovanie is convenient for an insurance policy. Customer reviews indicate that this is the only company that provides the form not only in electronic form, but also in paper (if necessary).
It should be noted that at present, not all motorists can use the convenient service. In small cities, it is not available, so it remains to contact the insurance company, wait for its turn and purchase a form. In the future, electronic insurance will be available to everyone, regardless of the area of residence.