The search for an insurance company to draw up an obligatory OSAGO contract is a responsible choice. Therefore, every motorist asks himself a question of where it is better to insure a car under compulsory motor third-party liability insurance in order to receive compensation in case of an accident.
How to choose an insurance company
Currently, there are many insurance companies on the financial services market that offer to draw up an insurance contract. When choosing an insurer, you need to pay attention to the following main criteria.
Criteria to watch out for
- Fame and financial stability. To do this, you just need to study the rating of insurance companies, see the registered capital. You can see how many years the company has been represented in the financial services market. Also, special attention must be paid to the amount of fees and payments. For a good and stable company, this figure should be 30 to 80 percent.
- Branch network. Drivers who travel frequently should pay attention to the number of offices in other regions. If the company is represented throughout Russia, then it is possible with full confidence to draw up CTP for a car.
- Customer reviews. In this case, you should not believe the reviews on the World Wide Web, you need to talk with relatives and friends who are faced with the insurance policy and can give valuable advice on where it is better to insure a car for compulsory motor liability insurance.
- Contract price. According to the law, uniform insurance tariffs are established for the MTPL agreement, which are valid in all insurance companies. If a company representative offers to sell you a policy at a reduced price, it is worth considering how legal this is. In most cases, one-day companies or scammers offer discounted CTP. Therefore, you need to buy a contract only at the official office of a large company.
How to insure a car
CTP - compulsory motor third party liability insurance. According to the law, each driver must acquire a contract, only then move on his vehicle. To draw up an agreement, it is enough to contact the insurance company with a full package of documents.
You will need to have a passport, documents for the car, a driver’s license and a diagnostic card with you. The contractual insurer can be any competent citizen.
Based on the documents provided, the representative of the insurance company will calculate the premium and draw up a contract. However, before concluding an agreement, many people think
where it is cheaper to insure a car insurance.
To find the answer to this question, it is necessary to study the pricing policy of several companies and then choose the one that offers to draw up a contract at the lowest price with official discounts that are set for each accident-free year. Do not forget that many insurers ask for a car for inspection.
The whole truth about insurance
Recently, many motorists are faced with such a problem that it is impossible to insure a car for compulsory motor liability insurance. What to do in a similar situation when it is necessary to move around in one’s car, but getting a binding contract is becoming more and more difficult?
In practice, to purchase OSAGO, you need to pay for additional services. As a rule, the representative of the insurance company includes life insurance and a diagnostic card. In the event that a diagnostic card is available or not required, insurers replace it with apartment insurance.
As a rule, car owners are simply indignant, but they get OSAGO with a “load” because they don’t want to break the law and move along the road without a policy.
But what if there is no desire to buy additional insurance? Everything is very simple, the insurer does not have the right to refuse, he can only offer two options for registration:
- Buy a policy immediately, but with additional services.
- Write a statement, wait 30 days and provide the car in its pure form for inspection.
Which option to choose, each policyholder decides independently. Insurers expect that in most cases the policy is urgently needed, so customers will not wait.
Where to insure
MTPL is a compulsory insurance contract that must be acquired by each vehicle owner. In this case, the choice of company must be approached responsibly. You should not contact small companies, it is better to pay attention to large companies that have proven their stability over the years.
When choosing a company, you need to consider not where it is cheaper to insure an OSAGO car, but how to get insurance protection safely.
Rating of the best insurance companies of 2015
Ranking place | Name of insurance company |
1 | Rosgosstrakh |
2 | SOGAZ |
3 | Ingosstrakh |
4 | RESO-Warranty |
5 | Alpha Insurance |
6 | VSK |
7 | VTB Insurance |
8 | Consent |
9 | Alliance (ROSNO) |
10 | Renaissance |
Only after the rating is studied, you can make a choice in which insurance company to draw up the contract.
World Wide Web Fraud
Many motorists, wanting to save money, apply for an insurance policy in Internet reception rooms, where many promise to sell OSAGO form at a bargain price. At the same time, the so-called representatives of the insurance company offer not only a policy at a bargain price, but also free delivery to any place and time.
It would seem, why not take advantage of advantageous services. As practice shows, only scammers sell policies through the World Wide Web. These forms are false, and you will not be able to count on insurance benefits in case of an accident. Such forms can only be provided to police officers so as not to receive a fine.
Therefore, if you are looking for where it is better to insure the car for OSAGO, do not believe the attractive prices and attractive delivery services. It is worth checking the form and company carefully before purchasing it.
Differences between the fake form and the present
When purchasing a contract, you need to pay attention to the following main points:
- The first thing you should pay close attention to is paper. The original policy is dense and slightly rough. Fake printed on a regular A4 sheet.
- This form is cleaned with watermarks and the PCA logo. If you look at the form in the light, you can see the inscription PCA.
- A protective metal strip on the back of the policy, which is sewn into the form.
- The size of the policy. The fake has an A4 format, the original is a little longer.
- The form number is located in the upper right corner. In the original form, it is convex to the touch.
- Like banknotes, the original forms are protected by red and green villi. Reds can be easily seen in the clearance on the back of the form. Green villi can only be seen through ultraviolet light.
Insurance company license verification
If you decide to insure the car insurance, it is worth checking the availability of a valid license from the insurance company. You can check the license on the official website of the PCA in a special section. All you need to do is drive in the ten-digit number of the MTPL policy. After that, a table will appear in which the date of shipment of the insurance company, the name of the company and the availability of the license will be indicated.
You can check for a license instantly via a mobile phone when drawing up an insurance contract.
Policy registration
It turns out that if you don’t know where to insure the car under CTP, you need to carefully study the rating of insurance companies, choose a large and stable one. When concluding a contract, it is necessary to check the company's license and the form for authenticity. Now you know how and where it is better to insure the car for CTP.