The conclusion of the MTPL agreement is the responsibility of all car owners. This rule is established by law on the basis of an accident analysis. Not everyone knows where it is better to issue CTP. Different companies offer their services, you just need to choose the right conditions.
Legislation
An important legislative document that spells out the nuances of OSAGO insurance is the Federal Law “On Compulsory Third Party Liability Insurance of Vehicle Owners”. Issue of the act refers to April 25, 2013. Later changes were made to improve customer engagement.
Based on the requirements of the document, it is clear that insurance should be mandatory. It is required to protect against traffic accidents so that there are no unnecessary expenses in case of violation of the rules. The insurance company undertakes to reimburse funds to the affected party.
All car owners must abide by the rules of the contract. If you do not conclude it in time, then deprivation of rights will follow as a punishment. And restoration occurs only after obtaining the necessary documentation, in particular, compulsory motor liability insurance.
Reviews indicate that it is better to draw up a policy immediately, since fines are issued to the owner of the car. Many believe that it is better to use the services of trusted companies. Most of them offer favorable conditions. Many owners are advised to immediately issue and CASCO, so that the ride was much calmer. This policy involves compensation for the repair of your car.
Types of Insurance Companies
Where is the best way to issue CTP? Since insurance is mandatory, you need to choose the right company. All companies operate on the basis of a single program, but not all companies are reliable, professionally perform their functions. Favorable conditions are offered by Ingosstrakh OSAGO, Rosgosstrakh, and Soglasie. You must select the appropriate conditions.
Only trusted companies need to trust the design of CTP. Reviews from car owners show that there are several reliable companies that you can safely contact. These include:
- Rosgosstrakh: the company was created by government agencies, so it is very reliable, its market share is 35.83%.
- Alfastrakhovanie: the company is among the best due to efficient operations, reviews indicate affordable prices for services.
- VSK: the company has been operating for more than 20 years, and during this time many people began to use its services.
- “Consent”: the company carries out activities with individuals and legal entities, in addition to compulsory motor liability insurance, other types of insurance are also carried out.
- “Renaissance insurance”: the company, although it exists on so many, but still managed to gain the trust of car owners.
In addition to these companies, other companies carry out insurance. The rating agencies include Ingosstrakh OSAGO, Uralsib OSAGO, and SOGAZ. Similar conditions are offered everywhere, but there are also differences. The calculation of the cost of compulsory motor liability insurance must be carried out on the basis of the law.
Where it is better to issue CTP, the car owner must decide for himself on the basis of suitable conditions for him. To do this, you must first familiarize yourself with the information on the services provided.
Rules for concluding a contract
The nuances of concluding an MTPL agreement are regulated by the Central Bank of Russia. The legislation has undergone some changes, and therefore the rights of insurance companies have expanded:
- the possibility of providing discounts to customers, as well as an increase in the cost of the policy;
- a unified methodology for assessing damage;
- there is a database with information about the insurance history of vehicle owners;
- created the procedure for processing an electronic document.
Each car owner has the right to receive information on insurance issues. Information is provided in the office of the company and on the official website.
Through the Internet
Now you can issue CTP via the Internet, and this does not require going anywhere. After the purchase, a document is received by e-mail, which must be downloaded. On the site you can calculate the cost of OSAGO.
Due to the appearance of electronic documents, traffic police officers can check it without a paper policy. And with the help of cameras, the absence of insurance by car number will be recorded.
Electronic policies have become available in our country since 2015. This provided an opportunity to choose a suitable company, as well as draw up a document in comfortable conditions. You can get CTP via the Internet on the official website of the selected company. Payment is by credit card and popular payment systems.
Required documents
It is necessary to provide a statement of a generally accepted sample. To obtain a policy, the preparation of documents is required:
- passport;
- certificate for the right to drive vehicles;
- technical certificate;
- certificate of registration with the traffic police;
- copy of the diagnostic card.
Cheap options for CTP insurance
Where is the best way to issue CTP to save money? Insurance companies are increasing the size of payments. This causes the bankruptcy of firms, which is observed during the economic crisis. In order for the company to exist in difficult times, it has services with attractive conditions.
Only you should carefully familiarize yourself with the principles of providing OSAGO. If the cost of the policy is small, then it may not cover the risks, and after all, the funds should be intended to carry out a full car repair in case of an accident. Therefore, you should not focus on cheap options, because in them some conditions may lie.
Cost of CTP
If you are interested in where it is better to issue CTP in Moscow, then you need to visit several popular companies, and then choose the appropriate one. The basic tariffing is approved by law, but many companies have overpriced or underpriced prices.
The main criteria affecting the price of a policy include:
- engine power;
- place of registration of the car;
- owner age;
- driving experience;
- practice.
It is better to choose OSAGO for 10 months, because of which no additional funds are required. The basic tariff is 3432-4118 rubles.
Getting insurance premium
Upon application, the insurance company opens a case due to damage suffered, for example, in an accident. Employees carry out their own incident investigation. Be sure to take into account all the subtleties, details of the event, the data of the affected persons.
The insured person must immediately inform the company about the event. It is advisable to submit an application in the manner approved by law, attaching all documents. Compensation is accrued after verification of the insured event. An amount of about 50,000 rubles is usually transferred without difficulty.
Compensation is paid if:
- 1 vehicle was damaged;
- both parties have an insurance policy;
- participants in the accident were 2 cars.
The insurance indemnity is received by the injured person, therefore it is indicated in the application. Sometimes the payment is replaced by the implementation of repair work.
Choosing an Insurance Company
When choosing a company, you need to pay attention to the following indicators:
- company rating: if the reliability level of a company is high, then it steadily pays compensation and also performs its work professionally;
- authorized capital: policies must be purchased where the authorized capital is more than 500 million rubles;
- financial indicators: they include the amount of premiums and the percentage of payments;
- Advertising: it’s best to focus on real customer reviews, even better friends, rather than on video on the Internet or TV;
- conditions: it is necessary to study all the nuances of the service.
Professional insurance companies work together. Specialists always advise their clients on issues of interest. Upon the occurrence of an insured event, a check is necessarily carried out, and the funds are transferred to the affected party quickly.