Registration of an MTPL policy on your own via the Internet is not yet very popular among drivers. It seems to us that it is safer to come to the insurance company in person and conclude an agreement in person, having clarified all the existing questions regarding insurance services.
On the other hand, those who insure their car with the same organization year after year are not averse to renewing compulsory motor liability insurance via the Internet - no new questions arise, the algorithm of actions has long become a habit, but they do not always know how to do it correctly. An additional bonus can be saving time and even money - some insurers offer a discount if you contact them online. Read this article on how to properly insure your car online.
Saving time and money
The real opportunity to apply for compulsory motor liability insurance via the Internet appeared not so long ago. So, at first the policy could only be extended in this way (from 07/01/2015), and only later (from 10/01/2015) motorists began to issue it “from scratch”.
It is no secret that many insurers have recently been imposing additional services in the form of life or real estate insurance. We all know that forcing people to purchase additional services is far from the law, but you can’t drive without compulsory motor insurance either. That’s why motorists buy the entire package of services, paying exorbitant prices for it and thereby increasing the profits of insurance organizations. When issuing an electronic policy, this is excluded: the client selects only the type of insurance that he really needs.
In addition, drivers living in remote areas can no longer waste time traveling to large cities to sign insurance contracts. Also, insurers who do not want to provide services under compulsory motor liability insurance and justify the refusal by the lack of forms will not be able to do this on the Internet: electronic forms are always available. Legal entities are allowed to issue policies via the World Wide Web from 07/01/2016.
How to choose an insurer to obtain an MTPL policy online
If you have been concluding contracts with the same insurer for many years, there is probably no point in changing it. But what if your company has not yet established a process for drawing up contracts electronically? Experts still believe that it is better to wait until progress spreads to other insurers and for now issue a regular paper OSAGO form, because too often, due to the imperfections of the insurance system in Russia, problems arise related to the non-use of CBM.
Currently, you can insure a car via the Internet and obtain an electronic MTPL policy from about twenty companies:
- MSC Moscow Insurance Company (http://sgmsk.ru/);
- Paritet-SK (http://www.paritet-sk.ru/);
- Rosgosstrakh (http://www.rgs.ru/);
- Energogarant (https://www.energogarant.ru/);
- Consent (https://www.soglasie.ru/);
- VSK Military Insurance Company (http://www.vsk.ru/);
- Alfastrakhovanie (http://www.alfastrah.ru/);
- Reso-guarantee (http://www.reso.ru/) and some others.
From January 1, 2017, all insurance companies are required to provide citizens with the opportunity to obtain an MTPL policy online.
When choosing an organization, you should read customer reviews, as well as the information provided on the company’s official website, and pay attention to:
- size of the authorized capital (the larger the better);
- period of work (longer than eight years is preferred);
- rating among insurance companies - such information can be found on the Internet, as well as on the RSA website.
To select an insurance company in your region and compare prices, it is convenient to use integrator sites.
Insurance registration procedure
The procedure for applying for compulsory motor liability insurance is quite simple. Having chosen the company whose services you intend to use, you need to go to its website, after which:
- register by providing your personal data (including passport series and number), as well as telephone number and residential address;
- Log in to your personal account using your login and unique code (password), which will be received as an SMS message or email. The password can also be obtained from the company office. In addition, if you use the government services portal, then the same password and login can be used to log into the personal account of any insurance organization;
- in your personal account you need to fill out an application for renewal or issuance of a new policy. It must contain the same information as when receiving the policy “the old fashioned way”, and an electronic signature is used. If you do not have such a signature, you can enter the password given to you - you can also use it to verify your data;
- If everything is done correctly and you have passed the check in the Automated Information System (AIS), then a message from the insurer will appear in your personal account, in which you will see the calculation of the contract price and the payment method. The cost of the service can be paid with bank cards from almost all Russian banks; in large insurance companies you can use funds from electronic wallets of popular payment systems;
- After payment, the electronic MTPL policy will appear in your personal account and will be additionally sent to your mailbox. We recommend that you print out the policy and have it with you while driving - not all regions have an ideal unified database where you can check the availability of insurance by state number. In such large companies as Rossgostrakh, after purchasing insurance on the Internet, a paper policy is delivered to the client’s home free of charge. Along with the document, information about contacts, an algorithm on the procedure for action in the event of an insured event, etc. are sent to the car owner by mail. They can also be printed for use.
According to paragraphs 4 and 7.2 of Article 15 of the law on compulsory motor liability insurance, a printed electronic policy completely replaces the original paper policy on Gosznak letterhead.
Simplified design option
Recently, large insurers, realizing that it is difficult for a citizen to independently issue an electronic policy, send out an SMS with an offer to renew on the website a few days before the expiration of the contract. The message looks something like this:
Dear Ivan Ivanovich! Your MTPL policy series YAYA number 0101010101 ends on 12/01/2019. You can renew it online: we have prepared an electronic MTPL policy for you. To confirm your data and pay directly on the website, follow the link www.RGS./ru/eOSAGO, then follow the instructions. Your pin code is 010101.
If you received such an SMS (in the example, the Rossgosstrakh link is used), then the procedure for applying for insurance on the Internet is significantly simplified for you. Your actions are:
- Follow the link provided, you will be asked to indicate your phone number and PIN code from SMS - this is how the system will find the document prepared for you.
- You will be offered a personal account password, which will be sent by email. Change this temporary password and use the new one to log into your account on the insurance company’s website.
- In your personal account, you will be asked to review the prepared policy with the data already entered. You need to get the previous one and check the details of the car, the main and additional drivers, the validity period, etc. If everything matches, check the box to indicate agreement.
- After this, you will be prompted to go to the payment page, where you go through the procedure of a regular online purchase.
- After payment, you will receive a policy and all related documents that need to be printed by email.
Let us remind you once again that only large insurers operate in this mode. By using this simplified procedure for electronically drawing up an MTPL policy, you will save as much money and time as possible, and also avoid technical problems and possible errors in the text that you could have made if you filled it out yourself.
If something went wrong
The most common failures in issuing an electronic MTPL policy may be:
Lack of confirmation of driver data in the unified AIS system
Without this, the user will not be able to fill out the application and receive the service. It is difficult to say why such a problem exists and how to fix it - perhaps your data was not entered on time or a failure occurred in the insurer's program;
Examination
Considering that there is no need to submit any documents to the office, the insurer’s employees check all the data provided by the driver against the database. So, when applying for compulsory motor liability insurance on the Internet, they will definitely check the availability of information about technical inspection, accidents involving the client’s car, its length of service, as well as all data about the vehicle (year of manufacture, date of issue of documents, driver’s license, etc.). In some cases (it must be admitted that they have become fewer in number lately), the check stops at some stage - for example, information about passing a mandatory technical inspection has not been received, without which no one will issue a policy. For a conscientious car owner, it becomes incomprehensible why a timely inspection is not displayed in the program and, thus, becomes an obstacle to obtaining electronic compulsory motor liability insurance. The reason for this circumstance may be the erroneous entry of data during a technical inspection or a malfunction in the system;
Technical errors
When filling out, you need to be extremely careful, since all errors that were made in the application will become the basis for refusal to issue a policy, both on paper and electronic. The AIS system will show that the car owner with the data specified in the application does not exist, so it will not be possible to draw up an agreement. You need to notify the insurance company about such confusion and insist on entering data about your experience, previous insurance contracts and driver's license series/number;
Not by proxy
Today, only the owner of the car can issue a policy online; it is not yet possible to do this by power of attorney. There are also problems with registering a new car - while it is not registered with the State Traffic Safety Inspectorate, there is no data about it in the AIS database - therefore, transport can only be insured by visiting the office in person;
Intermediaries
When it became possible to use online services, many intermediaries appeared on the Internet offering services for filling out the form. We do not recommend turning to them for help - after all, you will need to pay for the services on your behalf, and no one will give you a guarantee of the absence of fraudulent intentions in this case. Attackers can easily obtain unique information about a bank card. In addition, there is a risk of subsequent use of your personal data for dubious purposes;
Regional problems
According to the current rules, it is impossible to order an electronic policy from a company that does not have a representative office in the region where the car owner lives. The availability of the service in a particular organization will be displayed when filling out the form;
Problems on insurers' websites
Users still encounter technical problems on insurers' websites: from a very long check of entered data in the PCA to a complete stop of the site. At the same time, the ability to provide services is improving, so you should not give up the opportunity to keep up with the times and process documents remotely.
Modern technologies for accessing information can reduce the need to circulate paper documents. Conventional insurance policies have taken on electronic form. This does not mean a complete abandonment of paper counterparts, but the checking of policies by traffic police officers is carried out differently. We will describe how to issue an electronic MTPL policy.
The validity of a document is verified by identifying an entry in the database registry.
If necessary, the electronic MTPL policy can be printed or its image can be transmitted by all means of communication.
This possibility is spelled out in Art. 15 of the Law on Compulsory Motor Liability Insurance No. 223-FZ, dated July 1, 2015.
The e-policy has the same structure as a paper document.
In order to issue an electronic OSAGO policy online, the car owner needs:
- choose an insurance company;
- register on its website and open a personal account;
- have an email address;
- get passwords and login for work;
- The password is delivered via SMS or e-mail, or a personal visit to the insurer is possible.
After purchasing the policy, the document file is sent to the car owner’s e-mail. All copies of policies ever issued will be stored in the buyer’s personal account on the insurance company’s website.
Attention! If you need an electronic compulsory motor liability insurance policy of the usual type, it will be sent to the specified address - for this service there is an additional charge.
Online calculator for calculating OSAGO and CASCO insurance
Advantages and disadvantages of electronic policies
Although an electronic policy is unusual for most Russians, they will be able to appreciate the obvious advantages of such a document:
- it cannot be lost, damaged or forgotten - if necessary, you can print the document as many times as you like;
- if verification is necessary, the fact of purchase is easily confirmed by an entry in the register, and the document can be displayed on the screen using a smartphone or tablet;
- there is no need to waste time searching for an insurance company - the policy is sold directly online, to do this you just need to register;
- You can purchase a policy from anywhere in the country if you have access to the global network and have a smartphone or computer;
- a convenient electronic service will allow you to instantly calculate rates and the amount of payment for insurance;
- payment for the purchase can be made in any way - by card, electronic money, transfer from a bank account;
- You can buy an electronic MTPL policy from any insurer;
- they will not tell you that there are no forms;
- you will not be forced to provide additional services;
- They will not sell you an electronic MTPL policy at a higher price than it should.
Flaws:
- Russians do not yet have extensive experience working with electronic documents;
- there is the possibility of fraudulent transactions with fake sites.
People over 50 years of age will feel discomfort when using them. For such owners, it is recommended to print out the issued electronic policy and store it as usual or issue it personally at the insurance company - it is prohibited to buy a compulsory motor liability insurance policy through various intermediaries.
Where can I apply for an electronic MTPL policy? All insurers must have open special services to sell compulsory motor liability insurance. The most convenient way to access them is through the Internet portal of the Russian Union of Auto Insurers.
Attention! The Central Bank has introduced strict control over the operation of services of insurance companies for the sale of compulsory motor liability insurance. Before buying a compulsory motor liability insurance policy, it is better to familiarize yourself with the insurance policy that they provide.
All service and maintenance work must be carried out at night from 10 pm to 8 am, and users must be notified 24 hours in advance. For every justified complaint from the MTPL buyer, the company will be punished with a fine.
Among these companies:
- ASKO (no reviews).
- VTB - insurance (no reviews).
- Ingosstrakh - reviews: works in all regions.
- Tinkoff Insurance - the interface gives errors during registration, works in all regions.
- AlfaStrakhovanie - it is possible to purchase and renew a policy previously purchased from this insurance company.
- Renaissance Insurance - has the peculiarity of registering compulsory motor liability insurance in your personal account, and therefore requires registration. The Moskovia company does not operate in all regions - mainly Moscow and the region, St. Petersburg, Crimea, Krasnodar.
- RESO-Garantiya SK.
- EUROINS – not all regions are served, access to registration in your personal account after registration.
- VSK Insurance House - theoretically serves all regions, but in practice the site is inaccessible to many.
- SK MAX - serves only Moscow and the region, St. Petersburg and the region, works only for renewal.
Important! Theoretically, a resident of any region can purchase such an MTPL policy, but in practice companies do not insure those areas where they do not have open branches.
List of documents required to issue a policy
To buy an electronic MTPL policy, you will need to enter information from the following documents into the information database:
- Car owner's passports.
- Car insurance certificates.
- Vehicle passports or certificate of ownership.
- Driving licenses for persons who will be included in the electronic policy.
- Diagnostic cards, which confirm the technical inspection, its number, start and end dates of validity are entered into the electronic application. For new machines with a service life of less than three years, an inspection card is not required.
Important! IC does not need original documents. For registration, only information about them will be needed, so copies of documents or scanned images are sufficient to enter data.
All data entered into the application template will be automatically verified against electronic registers upon sale. If a message appears stating that the information does not pass the reconciliation, check the entered data again.
When is it impossible to buy a policy online?
Attention! Before proceeding to the procedure for purchasing an e-policy, you should identify situations where this is impossible. This is due to the procedure for automatically checking the data entered in the application for the sale of the policy with the RSA information base with records of previously sold compulsory motor liability insurance.
The system will not miss the sale if:
- simultaneous insurance of the owner of the car and the car itself was not carried out in the previous year;
- if only the car or only the owner was insured;
- an attempt is being made to issue an MTPL policy for a new car;
- the data on any document that was used for registration has changed - passport, driver's license, registration, car license plates, registration certificate - they will not pass the database check;
- information about the diagnostic card (technical inspection) is not entered into the EAISTO database, or an error was made when entering it - data for cars aged from 3 to 7 years must be replaced every two years. If the car is more than 7 years old, the diagnostic card is changed annually.
Every car owner must have a compulsory liability insurance policy. With the advent and development of the Internet, most companies have appreciated the advantage of doing online business. Now you can buy any product or service online. Insurers are also confidently keeping up with the times. Registration of insurance via the Internet is a fairly popular service, which is used daily by hundreds of motorists living in various regions of Russia.
OSAGO online: benefits of the service
Anyone who decides to take out insurance online should know that such a service has its advantages, namely:
- Purchasing a policy is not tied to working days or time.
- The car owner does not waste time traveling to the insurance company and waiting his turn to see the manager.
- Using an online calculator, you can independently calculate the cost of policies for any vehicles.
- Online shopping will make it possible to avoid the imposition of unnecessary additional services.
Purchasing a policy on the insurance company’s website will allow you to avoid such a procedure as a car inspection. Practice shows that when registering compulsory motor liability insurance, the procedure was already of a formal nature. The car is inspected superficially, so in fact the process only takes up the owner’s time.
Changes in the current legislation of the Russian Federation: the 30-day period that was previously given for extending the MTPL policy. Now even a one-day delay is an administrative offense and threatens the road user with a fine. Even if the driver remembered late in the evening that the insurance expires the next day, you can go to the insurer’s website and buy an extension.
Car insurance purchased online will help you avoid an unpleasant situation. It is enough to have a computer or any gadget at hand that allows you to access the Internet, and the purchase can be made at any convenient time.
Disadvantages of the online service
Almost anyone can use the Internet to buy insurance online today. Many people talk about the convenience of the service, but there are also those who had to face certain difficulties. Users encounter the following difficulties:
- Not all companies provide online services, so not everyone has the opportunity to purchase a policy from their insurer.
- The car owner will have to fill out the car insurance policy online on his own, so the likelihood of making mistakes is quite high.
- An MTPL policy purchased from an insurance company is issued on a form that has additional levels of protection. When purchasing insurance online, the car owner prints out the policy independently. The absence of a special form may raise doubts among traffic inspectors checking documents.
Internet insurance is only in its infancy. Despite the existing shortcomings, experts consider this direction to be promising.
Selecting an insurance company and obtaining insurance
How to get car insurance online? First, you should determine whether your insurers are on the list of companies providing online services. If so, then, naturally, you should renew your insurance with them. This will take much less time, since the insurer has almost all the information about the client in its database.
Difficulties may arise for those who previously purchased a policy from a company that does not yet sell policies online. The fact is that not all online resources will allow you to get insurance if the car owner was not previously their client.
To apply for an insurance policy you will need:
- previously purchased MTPL policy;
- vehicle registration certificate;
- the rights of road users who will be included in the insurance;
- civil passport of the owner of the equipment.
To register on the site, you will need to provide the applicant's email address. When purchasing a policy online, payment is made using a bank card, so you should check the availability of funds on it in advance.
registration on the site
In order to make a purchase, sites ask you to register. By filling out the appropriate form, the client receives a password, which is sent by email. It is recommended to come up with a more complex password consisting of numbers and alphabetic characters.
Next, using a calculator, the cost of the policy is calculated. If everything is done correctly, you can proceed to filling out information about those who will use the transport. Despite the fact that the law allows you to enter an unlimited amount of driving data, you should remember that in a standard policy there are only five columns allocated for this information.
Particular attention should be paid to entering vehicle data. Any mistake may cause the car to be checked, since the traffic police inspector will have every right to doubt the authenticity of the document.
The procedure for entering data about possible transport users should not be confused with entering the owner’s personal information. There can be only one owner, and several citizens with a license can use the car.
The process is completed by entering information about previously purchased insurance. After this, the program asks for confirmation of all entered data, processes the information and, if necessary, offers to correct errors.
If everything is done correctly, the applicant can make payment. After confirmation, the system sends the insurance policy to the email specified in the application form.
Compulsory insurance policy for civil liability of vehicle owners.">Everyone must have an MTPL policy The owner can be either the owner of the vehicle or the driver driving the vehicle (for example, by proxy). A driver who drives a vehicle due to official or labor duties cannot be the owner.
">owner With the exception of:- Vehicles registered in foreign countries with a “green card”;
- Vehicles whose maximum design speed is not more than 20 kilometers per hour;
- Vehicles not intended for driving on public roads and (or) not subject to state registration;
- Vehicles that do not have wheeled propulsion systems (those with tracked, half-tracked, sleigh and other non-wheeled propulsion systems) and trailers for them;
- passenger car trailers belonging to citizens;
- all military vehicles, except buses, cars and trailers for them, and other vehicles used for support.
You must take out insurance within 10 days from the moment you become the owner of a car, motorcycle or self-propelled equipment, but be sure to register the vehicle with the State Traffic Inspectorate or Gostekhnadzor - without a long-term MTPL policy, it simply will not be registered. Then you need to either renew the contract with the selected insurance company in advance, or enter into a new one with another.
To enter into an MTPL agreement you will need (by agreement with the insurance company you can present both originals and electronic copies of documents):
- application (filled out in person at the insurance company);
- passport or other identification document of the vehicle owner;
- a document confirming the registration of the vehicle specified in the application (vehicle passport or self-propelled vehicle passport, vehicle registration certificate or car registration certificate), except when it comes to a new vehicle. After you register your equipment permanently and receive a technical passport, you will need to notify the insurer that the vehicle is permanently registered with the State Traffic Safety Inspectorate or Gostekhnadzor;
- a document confirming the ownership of the vehicle (if the vehicle is not registered) or a document confirming the ownership of the vehicle (if the vehicle is leased);
- a driver's license or a tractor driver's license (tractor driver) of the vehicle owner and, if necessary, persons who will be allowed to drive (only for obtaining closed insurance);
- diagnostic card with a mark on passing a technical inspection (for vehicles older than 3 years) or a certificate of passing a technical inspection of tractors, self-propelled road-building and other machines;
- previous compulsory insurance policy (if available).
Documents must be submitted to a licensed insurance company. All legally operating companies are united in the Russian Union of Auto Insurers. You can check the license status on its website. There you can also find out which companies are undergoing bankruptcy or reorganization proceedings.
2. Is it possible to apply for compulsory motor liability insurance online?
You can apply for a policy online on the website of the insurance company you like. In this case, it will be sent to you by email. electronic insurance policy, it can be printed on a regular printer or saved on a mobile device and presented when necessary. But it is better to have a paper copy in your car.
You can also issue a policy online using the “Issue OSAGO” service on the “Autocode” portal, after first comparing the offers of several insurers. The completed policy will be delivered to the address of the car owner; you can pay for it in cash upon receipt or by credit card.
3. For what period is the MTPL policy issued?
Typically, a compulsory motor liability insurance agreement for vehicles registered and operated in the Russian Federation is concluded for a period of one year. An exception is motorcycles - the MTPL policy for them can be issued for a season (three or six months) or for a year.
If your car is registered in a foreign country and you do not have a “green card”, in order to drive in Russia, you need to take out an MTPL policy for a period of temporary use, but not less than five days. This must be done before entering the territory of the Russian Federation.
If you need to undergo a technical inspection and receive a diagnostic card (which is required to issue a MTPL policy for one year), you can take out temporary insurance for up to 20 days. But please note: such a policy is not suitable for registration of vehicles with the traffic police.
In the event of premature termination of the MTPL agreement (for example, when selling a car, your MTPL policy becomes invalid), you can contact your insurance company and return part of the insurance premium (the amount paid for the MTPL policy).
4. How much does a compulsory motor liability insurance policy cost?
The cost of compulsory motor liability insurance is The bonus is formed according to the following formula:
Insurance premium = TB x KT x KBM x KO x KVS x KM x KPr x KS x KP x KN,
Where:
TB - base rate. Insurance companies can choose any value within the range approved by the Central Bank;
CT - coefficient of the territory of primary use of the vehicle. Each region has its own coefficient;
BMC (bonus-malus coefficient) - the coefficient depends on the period of accident-free driving of the driver, and decreases with each accident-free year;
KO - coefficient of availability of information on the number of persons allowed to drive a vehicle (higher for open insurance)
KVS - coefficient of age and experience of the driver;
KM - coefficient of technical characteristics of the vehicle, in particular the engine power of a passenger car (for categories B, BE);
KPR - the coefficient of the presence in the compulsory insurance contract of a condition providing for the possibility of driving a vehicle with a trailer to it (does not apply to trailers for passenger cars owned by citizens);
KP - insurance term coefficient;
KN - coefficient of violations (presence or absence of violations of insurance rules).
You can get acquainted with the size of the coefficients in the Directive of the Bank of Russia dated
04.12.2018 N 5000-U “On the maximum amounts of basic rates of insurance tariffs (their minimum and maximum values expressed in rubles), coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium under a mandatory contract insurance of civil liability of vehicle owners."">insurance premium provided for civil liability insurance and issuing a compulsory motor liability insurance policy. It is formed based on the current base rate and various coefficients that are assigned depending on the region, driving experience, the number of drivers in insurance and their age and, for example, the presence or absence of insurance cases (KBM coefficient or bonus-malus).5. What is the difference between open and closed insurance?
Open insurance is a compulsory motor liability insurance contract concluded for an unlimited number of drivers. In this case, the owner can transfer control of his vehicle to any driver.
Closed insurance is a compulsory motor liability insurance agreement concluded in relation to specific drivers. In this case, only they can drive the vehicle.
6. How to change or restore OSAGO?
If your data* specified in the insurance policy has changed (for example, you have changed your last name, first name, patronymic, changed your license, want to include another driver in the policy, etc.), you need to make changes to the MTPL policy. If you have an electronic MTPL policy, most often you can make changes (all or some) in your personal account on the insurance company’s website. If you have a paper policy, you will have to come to the office and write a corresponding application. Please contact your insurer for details. Please remember that the insurer has the right to demand payment of an additional insurance premium in proportion to the increase in the degree of risk based on the insurance rates for compulsory insurance in force on the day of payment of the additional insurance premium.
If you lose a printout of your electronic policy, you can download it from your personal account on the insurance company’s website and print it out again, or save it on your mobile device and present it if necessary. If you have lost or damaged your paper OSAGO policy, you need to contact your insurance company in person. A new policy will be issued free of charge. It will be valid until the end of the validity period of the lost one.
Replacing the vehicle specified in the compulsory insurance policy, changing the insurance period, as well as replacing the policyholder are not allowed.
An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.
Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:
- for damage to life and health - four hundred thousand rubles;
- for property damage - five hundred thousand rubles.
In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.
Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:
- if the driver does not have car insurance with him - five hundred rubles;
- driving during a period not provided for by the contract - five hundred rubles;
- driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
- absence of a valid insurance policy for the vehicle – eight hundred rubles.
The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:
- territory of use of the car or region of registration of the owner of the vehicle;
- presence/absence of accidents in history;
- presence/absence of restrictions;
- the number of complete years and experience of driving a car;
- number of horsepower;
- using a vehicle with a trailer;
- period of operation of the vehicle;
- contract time.
What documents are needed for registration?
To purchase this type of compensation you may need:
- identification document of the policyholder;
- PTS or STS;
- registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
- a valid diagnostic card (if technical inspection is required by law).
Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:
- Simplicity in design. To apply for a policy, you do not need to visit the insurance office - just fill out the form provided. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
- Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
- Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RSA database.
- The policy is always at hand. In case of loss or damage, you will only need to re-print it.
Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.
How to insure a car cheaply?
Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.
Advantages of registration through our website
- Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
- To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
- On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
- We guarantee the authenticity of insurance purchased through our service.
How to apply for a policy on our website?
- make, model, year of manufacture and modification of the vehicle;
- period and start date of insurance;
- region of registration and actual residence of the owner;
- information about the owners.
When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.
We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.
