Car insurance is now a must when buying and using a car. Without a motor third-party liability insurance or motor hull insurance policy it is impossible to register a car with the MREO traffic police, which means that it is legal to move on it. Now the market has a huge number of small and large insurance companies that offer policies on various conditions. One of them is Tinkoff Insurance, in which OSAGO can be issued without leaving home. And this is her main advantage. In the article we will tell about the Tinkoff Insurance company, OSAGO, the rules for its design and other points.
Tinkoff Insurance Company
The Tinkoff company was created by Oleg Tinkoff as a bank in 2006. Currently, the company runs a large number of financial transactions, including deposits, loans, transfers, investments, issuing bank cards, etc. At present, the bank is one of the leaders in issuing bank cards in Russia.
Tinkoff Insurance is a joint stock company that has existed in the insurance market since 1993. In 2013, it was bought out by Tinkoff, and from that moment it is headed by Oleg Tinkoff.
The company does not have territorial branches, except for the main office in Moscow, all services are executed and sold only through the website or by phone, which is indicated on the website. But you don’t need to be afraid of this: the resource is understandable even to an unexperienced user, it has a pleasant color scheme and a small amount of text “in essence”. To find out more information, you need to click on the appropriate section or read the "Questions and Answers" or "Insurance Insurance Rules". The company is considered reliable, successfully developing, vigorously advertised and is constantly expanding its list of customers.
Company Services
The Tinkoff Insurance company provides several types of insurance services in an online format. The services are as follows:
- Insurance for traveling abroad.
- Real estate insurance against unforeseen, emergency situations.
- Health insurance.
- Vehicle insurance. This will be discussed below.
CTP policy
CTP insurance is mandatory in the Russian Federation. In the Tinkoff Insurance company, the CTP insurance policy has the usual characteristics for this type of insurance: protection only in case of an accident involving another car, low cost (relative to the CASCO insurance policy). The main advantage is simplicity and ease of processing and the absence of queues, because the policy can be issued on the website or by phone with the help of a consultant.
Since the MTPL policy according to the Russian rules is valid only in case of an accident, it is possible to issue an electronic MTPL + CASCO policy at Tinkoff Insurance (JSC). At a cost it will be more expensive, but it will save the owner's money from any unpleasant situations.
Advantages due to which citizens choose to purchase an electronic insurance policy in Tinkoff Insurance (JSC) (reviews are mostly positive):
- Online format of registration of the policy without waiting in line and loss of time.
- Settlement of the insured event within 3 days.
- The ability to find out the cost of the policy through an online calculator.
- Scans of required documents can be sent via WhatsApp.
- Policy delivery by courier.
- Additional services (see below).
- Favorable conditions when choosing the program CTP + CASCO.
How to apply for a policy
You can familiarize yourself with using the rules on the site how to apply for an TPL insurance (TCO) electronic CTP policy. To apply for an insurance policy, you must collect the following documents:
- Passport or constituent documents, if the insurance policy is executed by a legal entity.
- Certificate of registration in the MREO of the State Traffic Safety Inspectorate, PTS, power of attorney (if necessary), contract of sale, gift, etc.
- Driver's license.
- A document that confirms the value of the car.
- The previous insurance contract, if the car is not new and you personally do not insure it for the first time.
- Statement on the model.
The validity period of the Tinkoff Insurance (CTP) policy is set in the contract. It also prescribes all insurance payments that are possible, and the features of the occurrence of the insured event. If any changes occur on the items specified in the contract (for example, changing the passport of a citizen of the Russian Federation), the car owner must notify the insurer about this within a month, otherwise problems may arise if it is necessary to receive insurance payments.
How to calculate
The cost of the policy can be calculated using the site and the corresponding option "Calculate the cost" on the main page. Calculator "Tinkoff Insurance" CTP, feedback on the work and speed of which is only positive, is quite simple and understandable.
Upon entering the option, a window opens where it is necessary to select the region of use of the vehicle, year of production, make, model and type of transmission (gearbox). After that, you need to fill out the section with information about the owner: driving experience, age and contacts (name, phone and email address), which are needed in order to send a detailed calculation and the final cost of the MTPL policy to the potential insured.
Additional services
When applying for Tinkoff Insurance CTP, the reviews of which are presented below, you can, if necessary, use such free services as:
- a tow truck that will arrive at the scene of an accident and transport the damaged car to a service station or parking lot;
- assistance of an on-site insurance agent in case of an accident (it can help in the design of the euro protocol when car damage is insignificant (up to 50 thousand rubles) and the traffic police will wait a long time);
- policy delivery by courier at a convenient time and place.
Reviews
Most people, before buying something, look for reviews and additional information about a product or service on the Internet. Users do the same when choosing an insurance company.
As for the policy of Tinkoff Insurance (JSC) CTP, the reviews about it are mostly positive. Negative assessments are made up of a misunderstanding of the insurance conditions, malfunctions of the site and all kinds of problems with the design, delivery or insurance payments. But in general, the company has established itself in its niche.
For any issues of interest, you can contact the operators of the hotline by phone 8-800-500-47-28 or through the option "Feedback" on the site, where you can ask your question, indicating contact details for an individual response. But before that, study the "Questions and Answers" section, as there may be an answer to a question that interests you.