Alfastrachia Change number in Osago. Buy OSAGO to AlfaStrakhovanie - calculation, Calculator online, customer reviews, decoration, extend the electronic policy. How to add a driver to an electronic policy. Cases with surcharge and free

Calculate the cost of the CTP in the insurance company Alfactory and compare the cost of the policy with the proposals of other largest insurers with additional discounts.

Today the opportunity to buy an online insurance policy OSAGO is more interested in an increasing number of Russians, due to the convenience of use. Many of them make a choice in favor of Alfactor.

2 clicks and you will learn

How to buy polisy via the Internet

Take advantage of the services of insurers on the Internet, the drivers who previously purchased the policy of the OSAGO, and planning its extension can be used. In addition, organizations can also take advantage of the organization.

For those who first making insurance, its design is required in one of the Alfactory offices. You can arrange the document online, but it will be necessary in any case to send a complete set of original documents to the office, for example, by mail. In turn, the insurer is obliged to provide a policy to the client in paper. Only upon subsequent handling, all work with documents is translated into electronic format.

When using the Site of AlfaStrakhovanie, when making insurance, OSAGO requires:

• Go to the site and find out the list of the company's offices nearby, after which it will be detailed to familiarize yourself with the proposed services for the provision of services.
• Contact company specialists by any of the available ways (telephone, e-mail, feedback on the site).

About the company AlfaStrakhovanie

"AlfaStrakhovanie" one of the largest representatives of the domestic market of insurance services. The group of companies has several divisions, each of which has its own specialization. The extent on the scale of the insurer, the fact that, among its clients, a different program is at least 25 million Russians, and the Kolo 435 thousand customers are served in the corporate segment to AlfaStrakhovanie. Significant part of them insure motor vehicles on OSAGO.

The company ranks third in the Russian market in terms of services provided and has ratings not only from Russian, but also foreign agencies.

Purchase electronic policy OSAGO online

For car owners who want to purchase an insurance policy to be purchased through the Internet, it is required to perform the following combination of action:

1. Go to the company's website and go to the insurance section (https://www.alfastrah.ru/individuals/auto/osago/).
2. Fill out all the graphs specified in the questionnaire, making only reliable and actual information. Otherwise, difficulties may occur with the design of the document.
3. Based on the information generated, the system automatically calculates the price of the policy.
4. After that, the system also automatically compares the client data with the data entered into the policy of the CTP previously decorated.
5. In case of successful mapping, the client is invited to verify all the data and pay for the purchase. It is possible to implement it with electronic wallets or bank cards.
6. Immediately after payment, the CTP policy is sent in electronic format with a standard email to the email address. After that, it remains only to print the document.

Cost of policy of OSAGO

AlfaStrakhovanie uses a standard scheme for calculating the cost of policies, where the base rate varies depending on the parameters of the insured car and its drivers.

The final price tag is influenced:

• Car model and its age;
• Power of its power unit;
• The coefficients "Bonus-Malus" trouble-free driving;
• Territorial coefficients adopted for each of the regions of Russia;
• The age parameters of the driver and experience that have a serious impact on the final value.

In addition, the client has the ability to buy a policy with an extended list of opportunities, which will also increase the final cost. Here, the buyer has the opportunity to independently choose a set of services or completely abandon them, leaving an exclusively basic insurance package provided for by Avtnailach.

For the convenience of Alfactor's customers on the site, it is available on the site online in the shortest possible time to obtain accurate data on the cost of the purchased policy.

Offered on the site and section "Contacts", which allows you to get information about the location of the insurer offices in the regions and telephones for communication. To search for the nearest office, it is enough to enter the city in the corresponding field in which the client is located. There is also a support service that works around the clock and allows you to get expert answers to questions.

Nevertheless, more than 200 thousand Russian motorists can judge the numerous advantages of electronic policies today.

How to protect yourself when making E-Osago?

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Registration of electronic passenger

• series and passport number;
• email;

The password, by the way, is also your personal signature, so be careful and do not transfer this data to third parties.

Important! In the event that the data you entered do not correspond to the information that is stored in a single base, the insurance company may refuse the design of the electroplating.

Is it possible to change the data in E-Osago?

However, if you contact an insurance company with an application, then for some time it will be processed, information on another or more faces that have the right to manage this vehicle will be included in the database.

Attitude towards E-Osago at the traffic police

Looking for a reliable insurance company? Arrange the policy of auto insurance in AlfaStrakhovanie quickly and conveniently. You can buy Osago online or in one of our offices.

• Service Extension Service OSAO is available for all CRPC customers in all regions.

What is "OSAGO insurance" in our company? This is a high-level service, a simple purchase purchase and fast design, round-the-clock support and convenient extension of CTP.

How to arrange insurance of OSAGO?

How to calculate the cost of the OSAGO policy?

To calculate the cost of OSAGO online, you need to perform several simple steps.

• Choose a car brand.
• Select the model of the car for which you want to arrange the insurance insurance.
• Select the year of the car.
• Specify the beginning of the insurance period of the OSAGO.
• Make technical data, information about the drivers allowed to manage the drivers and the owner of the car.
• Confirm the consent to the processing of personal data.
• Click the "Calculate E-Osago" button.

What is OSAGO?

This is the mandatory insurance of autocarted liability of vehicle owners. In accordance with the law on the OSAGO and the rules of the road, each owner of the car in the Russian Federation must have or buy a policy of OSAGO.

How is the cost of the OSAGO policy in 2019?

The Central Bank of Russia establishes the maximum and minimum tariff value for the CTP.

The cost of the new policy of the OSAGO consists of a base rate and individual coefficients. (According to the direction of the Bank of the Russian Federation No. 5000-from 04.12.2018) a tariff corridor establishes, that is, the minimum and maximum meaning of the base rate of the OSAGO.

Each Insurance Company defines its cost of the OSAGO policy within the values \u200b\u200bestablished by the Central Bank of Russia.

The cost of insurance will depend on the following parameters.

For large and metropolitan cities, the policy of Osago will cost more. After all, using a car in such a megalopolis, like Moscow, you are at most risk to get into an accident than on a rustic road. Therefore, in the capital of Russia, regional k \u003d 2.0, and for the Moscow region - already 1.7.

№	Age, years	Starting, years
		0	1	2	3-4	5-6	7-9	10-14	More than 14.
1	16-21	1,87	1,87	1,87	1,66	1,66
2	22-44	1,77	1,77	1,77	1,04	1,04	1,04
3	25-29	1,77	1,69	1,63	1,04	1,04	1,04	1,01
4	30-34	1,63	1,63	1,63	1,04	1,04	1,01	0,96	0,96
5	35-39	1,63	1,63	1,63	0,99	0,96	0,96	0,96	0,96
6	40-49	1,63	1,63	1,63	0,96	0,96	0,96	0,96	0,96
7	50-59	1,63	1,63	1,63	0,96	0,96	0,96	0,96	0,96
8	Older 59.	1,60	1,60	1,60	0,93	0,93	0,93	0,93	0,93

The state encourages neat drivers: with cautious operation of the vehicle acts a profitable discount system - 5% for each year of trouble-free driving. The maximum discount may not exceed 50% in 10 years.

The price of the policy depends on the number of drivers specified in it. For an unlimited list of drivers, the coefficient k \u003d 1.87 is used. If the list is limited, all drivers allowed to control the car should be listed in the CCAMAG policy. With a limited list of drivers, K \u003d 1 is used.

How to save on OSAGO?

Save will save a break-even driving or coefficient "Bonus-Malus" (CBM)! Depends on the availability of insured cases of your fault for previous years. If you did not become a culprit of an accident, then in a year you can buy insurance of OSAGO by 5% cheaper, after 2 years - by 10%, etc. (maximum 50% in 10 years).

Reimbursement of precautions

OSAGO insurance will allow to compensate for the damage to other participants in the accident. The insurer will fulfill the obligations to each victim without restrictions on the number of insured cases.

Maximum damage to life and health

Maximum insured amount is 500 000 rubles.

• For participants of an accident eligible for damages in the event of the death of the breadwinner, 475 000 rubles.
• For persons who have suffered the cost of burial, maximum compensation - 25 000 rubles.

Maximum damage compensation

Insurance amount during damage to the damage and other property - 400 000 rubles. Payments within this amount can get everyone Participant of an accident, regardless of the number of victims.

Maximum compensation for Europrotokol

Damage limit for contacting the insurance company - up to 100 000 rubles.

What documents are needed for registration of OSAGO?

• Application for concluding a contract for the established form.
• Certificate of state registration of legal entities (for legal entities) or an identity document (for individuals).
• Documents for the car (passport, registration certificate, STS, technical coupon).
• Certificates of drivers admitted to the control of the vehicle (if it is spelled out in the OSAGO policy).
• Diagnostic card, coupon of this or state inspection (according to the FZ of the Russian Federation No. 170 of January 1, 2012).

Osago extension

Extend mandatory insurance of the CTP in a timely manner! You can do this no earlier than in 2 months (60 days) Before the expiration of the current policy. So that you avoid troubles, AlfaStrakhovanie employees remind of the need to extend the OSAGO.

What is Eurotocol?

Europrotokol (simplified design) is the procedure for drawing up documents for compensation for SCJO losses without the participation of traffic police officers. For this, the following conditions must be followed at the same time:

• Accidents occurred as a result of the collision of two vehicles, whose owners are insured on the OSAGO;
• the accident was the cause of damage only in the first paragraph of the TC;
• there are no disagreements between its circumstances and the injuries obtained, the relevant information is recorded in the notice form according to the OSAGO rules;
• the amount of damage does not exceed 100,000 rubles (if the size is greater, you will only be paid 100,000 rubles).

It is no secret that there is a huge number of vehicles on the roads of our country, and every day various situations may arise, including road traffic accidents. Autotransport insurance today is a mandatory procedure for all drivers. Often it creates certain problems for the owners of the vehicle, since it is necessary to go to the other end of the city for documenting documents, to sit in queues - and all this during working hours. To facilitate the situation, insurance companies provided drivers the possibility of designing electronic policies.

Selection of insured

Where can I make an electronic procedure? First of all, only in the insurance company, which is engaged in providing its customers with electronic policies in the field or region of residence of the car owner. Today, only half of the companies have officially begteed for such work and each has its own characteristics in the maintenance of policies. Thus, the company "SOGAZ" The electronic policy of OSAGO provides within 24 hours from the moment of circulation, and in some insurance groups it can take up to several days.

Order order

The rules for registration of electronic CTP are the same for all insurance companies. At first, the client must register on the official website of the insurance, which has permission to design electronic policies in the right region.

• the client receives an electronic form that needs to be filled with reliable data;
• the entered information is checked on the basis of the RCA;
• a disposable password is provided to the client to the specified phone number to enter your personal account;
• the office indicates all the necessary characteristics of the car and the driver, affecting the amount of insurance, is issued a total and details for payment;
• the client must pay the specified amount.

After all this, a policy with the official signature of the company's head in the electronic version, which must be preserved, and new data is made to the RSA's database. What does the OSAGO policy look like? On the screen, this is a real document with wet seals and signatures, but to provide it to the traffic police, the paper can be printed on the usual A4 format sheet. In order for insurance to be realistic, it is only necessary to put the signature in the specified graph on the printed version, and you can go.

Advantages of E-Osago

The pros and cons of the electronic CTP today were already able to assess already 200 thousand domestic drivers and among all the characteristics of such insurance are mainly allocated benefits. Among them, of course, the lack of need to personally go to the office of the company, spend time on the road and queue, money for gasoline and their own nerves. The entire design process takes no more than 30 minutes, after which you can immediately print the document and go to your affairs with new insurance.

An important advantage is that representatives of the company simply do not have the ability to impose additional services to the client and an extra service. Also, the owner of the vehicle does not need to provide many papers, because they are all already in the database.

• the driver cannot lose bonuses for trouble-free driving, all information is saved in the electronic basis;
• the cost calculation is fully automated;
• the document itself can be printed as much as possible if the previous one is lost or spoiled.

It is very important that the company "SOGAZ" The electronic policy of OSAGO provides at the same price as ordinary insurance. Many believe that for obvious advantages will have to pay extra, but the legislation is clearly regulated by the cost of policies, so no company has the right to overestimate prices for their services. All insurance make it possible to calculate the exact amounts in just a few minutes, simply by entering the parameters you need.

Features of change

According to federal legislation, the policyholder must be reported to the company in writing, but in practice of punishment for ignoring this item, it is possible to avoid it, since the deadline to which the changes must be reported are not established. Also, the same legislation does not indicate that changes in the electronic policy of the OSAGO provide for the refusal of payments or cancellation of the contract. To recognize the insurance of invalid insurers can only in the case of initially incorrectly specified data.

Separately, only those cases should be considered when due to the change of data, the probability of an insured event is changing. Here, insurers may find fault, after all, the amounts of payments in connection with new circumstances can differ significantly from the contracts provided for by the contract.

Alteration

Many are interested in the question of how to add a driver to an electronic policy of OSAGO. In fact, the capabilities depend on the selected insurance company. Some provide their customers with the opportunity to correct the data directly over the Internet in some parameters, most require a personal visit to the office. The latter option automatically makes the policy not electronic, because after making changes to the employee of the company, he issues the client to the hands of ordinary insurance. The procedure is done for the majority of the parameters, except for the need to enter another person to the policy. How much it costs to add a driver to an electronic policy of OSAGO, depends on its age, the driver's experience and the duration of the trouble-free driving.

What can not be changed

Making changes to the policy is allowed only by certain parameters. If necessary, replace other information requires only the termination of the current treaty and the conclusion of the new one.

So, you will have to fully change insurance if:

• the term is changing;
• need to insure another TC;
• the insured itself changes.

At the same time, the change of the owner of the car should not provoke the conclusion of a new treaty.

Adding a driver

So, how to add a driver to an electronic policy of OSAGO? To do this, it is necessary to prepare a standard set of documents for making changes, plus the passport and the driver's driver's license, which will be entered into the policy additionally.

Before entering another driver in Osago, it is necessary to correctly calculate the insurance premium.

This amount depends on several coefficients:

• age and driver experience;
• the term in which the new driver did not get into an accident in his own fault.

Age and driving experience are distinguished by four values, the most expensive of which will be the driver of 22 years old with a three-year experience driving.

According to the rules, all subsequent payments and the total amount of insurance will be calculated on the basis of data on the youngest driver.

Minor changes

In addition to how to add a driver to an electronic policy of OSAGO, many are interested in information and about the rules for making adjustments to other graphs.

It is necessary to personally come to the company's office to change:

• the period of use of the vehicle;
• driver's license number;
• registration information;
• state number of the car;
• tCP number;
• any personal data specified on the insurance form.

To do this, you must have a valid insurance policy and documents confirming the replacement of certain data. So to change personal information, it is often enough to provide a passport with a new registration. When changing the surname, it is better to first change the passport, PTS and the right, and then go to the insurance.

If only rights have been replaced, you need to provide employees a new document. His number will be inscribed in the "Notes" column in the form of the policy.

Replacing state license plates of the car is not a change in the vehicle itself, therefore, it is also only indicated in an old form as a note. If the insurance is issued for a car with temporary numbers or without them, then the graph is left blank. You should notify the company for three days about getting a sign, then the staff will make the information and the policy and the electronic database.

It is important to know that the change of registration can affect the sum of the insurance premium, since it initially depends on the territory of the territory. Even a change in the place of residence within one settlement must necessarily be fixed by the staff of the Insurance Group, especially since this is under the legislation.

Change of owner

In addition to adding a driver to an electronic policy of OSAGO, many wonder how to add a new owner into it. Oddly enough, it is real, but provided that the insured does not change. It is important that only the insured or his trustee itself can apply for the change of the owner, whose actions are documented.

To carry out this procedure, it is necessary to have a contract for sale and documents confirming the identity of the new owner to the office of the Insurance Group. When buying a car, in this way should not be afraid, because payments at the insured event receives the owner, and not the insured.

By the way, the right of the insured is the possibility of termination of the contract on the basis of the change of ownership.

So that there are no problems with the receipt of payments or recognition of insurance cases, customers of companies can not independently make any changes to the fields available on the hands, even if employees assure that they will make adjustments to the electronic database, and the driver may not come personally and make With a paper document, everything is necessary.

Also, it is not necessary to postpone the alert of insurance about the changes that have appeared in information. After the staff accept the application for data acceptance, you should take a copy of your statements signed by them.

And most importantly, in no case agree to the design of a new contract, if the law is allowed to make adjustments to the current one.

Conclusion

In most cases, the procedure for making changes to the policy is free and is carried out very quickly. Supplements require only the addition of less experienced or younger in the driver's insurance. When filling out documents in electronic form, be careful, and then you will not have any unforeseen problems.

How to add a second driver if you have an electronic procedure?

Life does not stand still, and any changes in most cases have to record documented. So, in connection with the introduction of new technologies in the field of insurance, the problem of changing data in OSAGO policies arose.

Specifically, car enthusiasts began to ask questions about how to make changes to electronic CTP, such as enter or remove the driver, change the data on the series and the driver's license number, and also change the passport details.

What is the difference between the usual and electronic procedure

For many drivers, technical progress has not yet reached, so they prefer to use the standard procedure for the design or extension of the autocartery agreement.

Is there a difference between these insurance and what is the beneficial policy of the OSAGO for the average driver?

1. First of all, the main difference that the electronic policy of autocarted liability has something that it can be issued online in 30 minutes. You do not need to spend more time on the way to the insurer's office, in any weather, stretch in traffic jams, spend money on gasoline and time in line. The procedure takes quite a bit of time and when specifying reliable data in an hour you can go to more important things with new insurance.
2. The second and important advantage lies in the fact that the insurer cannot impose unnecessary additional services to you, threatening with refusal in the design of the OSAGO. Such actions are illegal, but unfortunately, in many remote regions there are space.
3. The weighty advantage of the electronic procedure is that you will not be able to lose all accumulated discounts for trouble-free driving, as your history is stored in the PCA database and all insurance companies have access to it. The calculation occurs in automatic mode, the representative only checks the information.
4. The electronic policy can be printed on ordinary paper, for your own convenience and quick check by the traffic police officer. If you have lost this piece of paper, you can always print it again, while the usual policy will have to restore through the insurance company.
5. Car owner There is no need to provide many documents for a car in the insurance company, all the information is also in the bases of the RSA and AIS.

The design of the electroplating occurs quickly and conveniently, and its cost is the same as when concluding an agreement on a paper policy of the OSAGO.

To date, one common myth of the CTP, which in electronic form for it will have to pay more. Fortunately, this is not the case, thanks to the automatic calculator you can find out the cost of your insurance for 3-5 minutes.

How to protect yourself when making E-Osago?

To date, the purchase of electronic insurance is not very popular, as many are worried about its authenticity. This is quite logical, because if the file can be simply printed, where is the guarantee that the policy itself will be genuine?

There are several tips to prevent such cases:

• do not give yourself to the seduction to buy autocitors with a discount.

The cost of insurance is governed by the Central Bank of the Russian Federation, therefore cannot participate in shares;

make sure that buying an assistant, you do it on the official website of the insurance company.

Single-page sites of representatives of your insurer, private agents can be fraudsters;

not all insurance companies are engaged in selling E-Osago, therefore scammers can act under their brand.

If you briefly, you should be simply attentive and careful when choosing an insurance company. The authenticity of the policy can be checked on the basis of the PCA or on the official traffic police website.

Registration of electronic passenger

In order to issue a policy of autocaretries through the Internet, you need to do only a few simple steps.

The first thing to do is choose a reliable insurance company. If your suits you, then you are probably the official website, you know. Create your personal account on their website.

To do this, enter in the form such data:

• personal data of the driver, his last name, name, patronymic, date of birth;
• series and passport number;
• mobile and stationary phone number (or one of them, if any);
• email;
• address of the actual residence.

After your account is registered, you need to wait a bit until the insurer manager checks your PCA data data. As a rule, it takes 10-15 minutes, after which you will be sent to the mobile phone to log in to your personal account.

The procedure for registration of insurance is quite simple, the conclusion of the contract for the policy of the CTP requires:

• Full owner, his passport details, address, telephone, number and series of driver's license;
• machine information: brand, model, year of manufacture, engine power, series and TC number indicated in Tehtalon;
• also, it is necessary to immediately enter data on drivers admitted to the management of this vehicle, namely the series and the numbers of their driver's licenses.

After your application will be checked in online mode, the amount for payment and the payment form will appear on the screen.

Payment of insurance is possible in any convenient way, both in cash and non-cash.

In order to pay for cash, you will need to visit the office of the insurance company and make the cost of the policy, or order autocarter with the delivery to the house and pay the courier.

Cashless payments are performed through Internet banking, electronic money or transfer to the current account.

So, for example, it often happens when a person changed a driver's license, or was deprivation, or loss of rights, as a result of the series and the number of others.

In the database, the old information is stored, however, it is impossible to use it for registration of the CTP policy. When checking documents, one will be written in rights, and in the insurance other, as a result you can get into the unpleasant situation.

Also, the insurance company may refuse if your CBM data does not correspond to data in the database. In this case, the driver will have to attend the insurance agent in his office.

Is it possible to change the data in E-Osago?

Unfortunately, it often happens when errors arise when completing the official data in the Personal Accaster.

Today, there is already a manual verification of the information provided by an employee of the insurance company, however, there are still small errors.

There is now active work on the creation of special services on the official websites of companies selling auto-trap, which will refer to official data from the RSA bases and AIS OSAGO, which will allow verification in automatic mode, and will also load other data from these bases in the personal account.

If after placing insurance, you have a need to enter another driver, then today it is not possible to make it online.

If you are not sure how many people will be allowed to manage your car, you can make a policy with an unlimited list of people, or enter each possible driver immediately.

Also, today certain works on the service and users of the sites of insurance companies are underway, thanks to which the driver can be entered independently, and information through the site will be updated in the PCA basis. Such a service is expected in early 2017.

Attitude towards E-Osago at the traffic police

Electronic policy, after registration will be sent to the e-mail of the driver of the vehicle. Also, in the personal account there is the possibility of its printout on the usual sheet A4 format.

Despite the fact that all road patrol workers have access to PSA's insurance databases, the demand for paper insurance does not fall.

While still the traffic police cars are not equipped enough to be able to check the electronic policies, and there are no special scanners, which by a driver's license can issue information about insurance.

Therefore, in order to avoid misunderstandings, print insurance and store in the car. It can significantly save time and to you, and the staff of the road-patrol service.

As a result, it remains to add only that in spite of a wonderful idea with electronic insurance policies, there are a number of difficulties in its complete implementation.

Nevertheless, I want to believe that soon the system of registration of autrollocks via the Internet will be debugged, all the necessary services are connected, and users will be happy to use this innovation!

You may be interested:

Price OSAGO: What to get ready for?

If you lost the insurance policy on the car ...

Sell \u200b\u200ba car - what to do with OSAGO?

Comments

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it is necessary to make a second driver in the electronic procedure, how to do I do not know, and the most of the driver's license will have to change this year, how to tell me?

Go to the office of the company and ask them to make adjustments.

In offices the nose is cool. Don't want to face electronic insurance

How to make a new driver in the term? We are trying to make twenty days through the company's office, there is no answer from the head office

How the EOSAL works, why it is more often buying in the regions and answers to other questions about online Osago - in our interview with Rosgosstrach

Responsible for the management of the blog "Rosgosstrakh" kindly agreed to tell me in detail about how electronic CTP work works. In this small interview, I tried to know the "first-hand" answers to the questions most of all interested me and, I am sure most of the readers of the Osagonline.Info site.

Of course, every insurer has its own system of buying and extending the OSAGO online policies, but everyone has common features, because the laws and methods of the RSA dictate the uniform requirements that each company must comply with the OSAO online sales process. In particular, the electronic CTP by law should be issued using a personal account on the insurer's website, where the client identification is carried out. In addition, at present, for the first three months of the "test period", the service is launched in the "hard prolongation" mode. That is, the client may arrange a policy over the Internet, only if:

1. Policy is currently acting And ends no later than 60 days later - this period is established by regulatory acts. In other words, if the policy ended yesterday, today it is no longer possible to extend it through the electronic CTP service.
2. The insured does not change anything in the data. Important! Even the date began to start the action of the new policy. (But in the next 2-3 weeks it will be possible to expand the circle of insured persons)
3. There is a valid inspection, or a car under 3 years old.

Rosgosstrach himself, the process of registration (until October 1 - only extension) of the policy in electronic form as follows:

1. The client comes to the site, to the Creator Calculator page.
2. Next, he is invited to choose - "pull up" data from accounting systems or fill it yourself.
3. If there are not enough data in systems, the client fills them on their own.
4. At the 4th stage of Rosgosstrakh, it offers a choice of several options for designing a contract - for residents of Moscow and St. Petersburg is an appeal to the office, registration with a courier or electronic CTP. There are no courier delivery regions, so the inhabitants of the regions will see only two choices - buy a classic paper policy in the office or to issue an electronic CTP.

By the way, it is with this phenomenon that "Perekos" is connected in the statistics of the EOSAGA in the direction of the regions. This is how this representative of Rosgosstrach explains: "I want to draw your attention to one fact that it seems to us very significant and radically affecting regional statistics on the CTP. As we know, Rosgosstrakh has about 60% of the market share by electronic CTP. At the same time, all observers noted the low activity of residents of the capitals in the electronic CTP. The fact is that in our calculator, as I have already mentioned above, for residents of the capitals it is proposed to issue an OSAGO on the site, pay for a card, and then get a policy in the office or with a courier.

So see the form of registration of OSAGO online residents of the capitals.

"This is a traditional paper policy on the BSO form," the representative of Rosgosstrakh continues the answer, the number of customers preferring such a way of obtaining the policy is significantly. If such an opportunity in Rosgosstrakh was not (and we are essentially forming the electronic procedure market now) All these clients would issue E-Osago and the number of electronic policies would increase at times, with the absolute leader in the Moscow region.

For understanding, the order of numbers is: on 10 policies of the electronic CTP in Moscow accounts for about 500 policies with a courier delivery.

But back to the process of designing an electronic policy. On the fifth, last step, if the client selects the execution of the policy in the form of an electronic document, then it is automatically translated from the site to the "Personal Account" section. Here is the filling of the necessary data to identify the client. If Identification has passed successfully, the client is redirected back to the site to fill the remaining statements data, and it is sent to check in the RSA. The sites of insurance companies operate directly from the Rs, the third part of the integrator between the insurance and RSA is not.

At this stage, numerous problems with "non-receipt of confirmation from RSa appear.

- Is it planned to detail errors?

Yes, we have a finalization of the interface in our nearest plans to show the client that it is in his data that does not coincide with the information that is in RSA

- How do you evaluate, after how long does all technical problems be eliminated and the work of E-OSAGO is normalized?

Rs, together with his contractor, regularly correct technical problems. Predict time when everything stabilizes is hard. We really hope that this will happen in the very near future.

- How can I check that the e-mail received by e-mail is valid?

- Are you already known successful or unsuccessful cases of inspection by inspections of the DPS electronic policy of the OSAGO on the road among your customers?

Yes, there are already such cases. Unfortunately, the traffic police are not very loyal to electronic policies, but no penalty is discharged according to our data.

The Bank of Russia together with the traffic police plans to hold a meeting in the coming weeks to discuss various aspects of the procedure for inspections on the roads from the drivers of the electronic policies.

- How to make changes to the electronic policy of OSAGO? For example, enter new drivers, change the driver's number, etc.

Today you need to contact any of our sales offices. Over time, the ability to make changes will appear in the Personal Account.

- And is it possible to break the electronic CTP (as in the case of the paper policy) and get a part of the money back for the unused period (it is necessary when solding the car)

Yes. Everything is similar to the paper policy.

- And the last question about Osago online for Jurlitz - when will it appear for them? I found different dates in different sources.

- Where can your customers contact if there are any questions on the EOSA?

All the newest interesting pro E-Osago, as well as customer reviews, we publish in our blog Rgsblog. RU. Come! All questions are promptly responsible for

P. S. In addition, I found out representatives from Rosgosstrakh answers to frequent issues that concern the rules of work of the OSAGO as a whole. Answers to these questions can be found in the "Question and Answers" section. In particular, it became clearer, as a tariff corridor works, in what cases can "fly" the KBM and whether the "open" insurance (multidonev) is really dangerous in that it leads to a decrease in the class.

Dear readers of the site, if you have questions about the principles of the electronic CTP, then ask them in the comments below ↓ on this page. I will try to get answers to them or ask Rosgosstrach representatives to answer you right in the comments.

OSAGO News: News Archive

10.28.2017: A unified agent will stop working from the new year.

24.10.2017: The average settlement on OSAO for 9 months of 2017 reached 77 thousand rubles.

09/26/2017: The representative of the Central Bank told someone to refuse E-Osago

09/18/2017: Additional increase in excise taxes on fuel from January and July 2017

09/18/2017: Ingosstrakh includes in the account "Insurance of the Card" when buying E-Osago

09/11/2017: In 2018, QR code will add on forms

09.09.2017: from 25% to 80% of drivers buy inspection

Popular news:

March 31, 2017: repair instead of money from April 27: 5 facts about new rules of OSAGO

March 30, 2016: Rosgosstrakh closed the service due to professional "assistants" on the design of the EOSAL

February 26, 2016: Statistics of sales of E-Policy by region (February 2016)

January 21, 2016: Interview with Hoska: Only 10-14% of drivers successfully undergo the procedure for the purchase of E-Osago, and up to 15% drive uninsured

latest comments

* According to LI: 4th place in the Insurance category, 1 among sites about online Osago.

Electronic OSAGO Policy: Subtleness of design, extension and error correction

With recently, vehicle owners can make insurance in the form of a paper document or a digital record that has received the name of E-Osago.

Let's study the implementation of these initiatives in practice and consider all the problems that the insurer who acquires the online policy may encounter. A few moments should be called for which the electronic policy of E-OSAGO provides explicit advantages in comparison with its traditional fellow.

The filling of electronic CTP has advantages:

• providing drivers opportunities to make insurance without departing from the computer;
• solving problems of queues in insurers' offices;
• elimination of difficulties with artificially created "deficit" of the forms of policies;
• fighting the unscrupulous policy of insurers to impose additional services;
• reducing the cost of printing forms with various degrees of protection;
• ensuring savings companies on employees (automation allows you to reduce personnel);
• providing the possibility of insurers to abandon the content of part of offices, the demand of which should decrease.

Typical problems when making an electronic procedure

As with many other innovations, a number of problems arose with electronic policies. They are connected both with technical and commercial reasons.

1. Problems when making a document through the site. The number of car enthusiasts wished to obtain the policy in such a way exceeded the possibilities of technical infrastructure. The problem is associated not only with the overload of the servers of the insurance companies themselves, but also with the inability to serve such a number of queries entering the Database of the RCA - Russian Union of Motorovshchikov (information about each insured is stored for this association).
2. Lack of information about car registration in the database. One of the essential problems are difficulties in the exchange of data between the traffic police and RSA. If the transfer of the updated data occurred with errors, then information on the existence of a client's vehicle may simply not be.
3. No data on technical inspection. One of the condition for the execution of the policy is the current diagnostic card. The data on it may also be absent on the RC server and the system will not allow issuing the OSAGO.
4. The inability to apply a lowering coefficient for trouble-free driving. If the policyholder does not become a culprit of an accident, then he is given a discount accumulating every year. It can reach half the cost of the policy. For some reason, the coefficient cannot be applied.
5. Regional restrictions. Insurers provide the opportunity to acquire a digital policy only to residents of individual cities. They explain this "toxicity" of a number of regions. Under it companies understand the prevalence of "fraudulent schemes" and an unprofitability of activities in such territories.
6. Problems for nonresident. These difficulties are associated with regional restrictions. If a citizen lives in the capital, but registered in another city, to get the policy will not succeed. In some cases, an absurd "verification" of the client, lasting up to 30 days.

Some of the actions of insurers specifically stimulate customers to abandon the design of electronic CAPC:

• reference to some limit relating to the number of digital policies per day or month;
• generating passwords containing symbols on Cyrillic and Latinic simultaneously;
• intentional restriction of payment methods for the Policy;
• charging commissions for transferring funds.

All of the above is intended to force the user to come to the office, where it will be forced to purchase insurance together with imposed services. To determine the possibility of registration of an electronic policy by buying other products of the company on the site will not be able to. This policy violates the law, and the relevant requirements on the company's portal will become irrefutable evidence of her guilt. Such actions of insurers are often forced to submit complaints to Rospotrebnadzor and the Bank of Russia.

Phased instructions for the design of E-Osago

The execution of the policy in different insurers has its own characteristics. If you do not go into them, then a number of general steps can be distinguished.

1. Creating an account for a personal account. To access electronic insurance, you have to create an account on the company's website. To do this, fill out the proposed form by making the following personal data to it:

• FULL NAME;
• passport details;
• date and place of birth;
• registration address;
• telephone number;
• email address.

1. Check the information entered. The driver information is checked with the data of the centralized RCA base. If the policy of the Insured is made to it, then the user to the email address or mobile number will send the account access parameters (password and login).
2. Filling out an application. The form on the site will have to make information about:

• the policyholder (personal data indicated above);
• car (the requested data is transferred from the certificate of registration);
• characteristics of the future policy (validity period, periods of using the machine and the date of commencement);
• citizens who will use the car.

1. Check information. All information will be compared with the contents of the RCA base. If the information is really listed in it, the user will receive a notice with the calculation of the cost of insurance, the procedure for its payment (bank cards and / or electronic money), as well as the address to which the electronic document is expelled. When the application has not passed the audit, the company will indicate the reason for the refinement and will offer to correct the request.
2. Payment and receiving insurance. After transferring money, the company will send to the electronic address of the client itself.

The document can be printed and carry. Its paper version will be a confirmation of the design of the OSAGO electronically.

Errors in the design of E-Osago and their consequences

When filling out the application, there is a risk of allowing an error. Examples are:

• incorrect indication of the car model;
• typos in the name of the owner, the policyholder and the drivers;
• errors in the room;
• inaccuracies in the instructions of the details of registration documents;
• errors in the series or driver's license number;
• specify the insured as the owner of the machine (if these are different persons).

Let's figure it out in the consequences of such errors.

If the insured driver falls into an accident, the company is not entitled to refuse to pay the victim, since the policy was decorated. This does not mean that the driver can not pay attention to inaccuracy. Problems may arise with a traffic police officer. He is likely to show a formal approach and finfing the driver for the lack of insurance. Checking the policy is carried out not only in the event of an accident, but also at any stop.

Regardless of the nature of inaccuracy in the document, the driver is recommended to take care of how to correct the error in the electronic policy of the OSAGO.

A number of unscrupulous citizens deliberately distort information about themselves. This is due to the desire to minimize the insurance premium. Examples serve:

• undertaking the number of horsepower;
• false information on the registration of the policyholder in the countryside (for such owners there is a lowest territorial coefficient);
• owning a driver's experience.

All these options will not work if the insurance has already been drawn up due to the ownership of the ethimatomobile. When the car is new, this possibility exists. At the same time, the deception will open with the next handling of the company (to change the parameters of insurance or due to its extension).

When deception, the insurer will require additional payments. If the intentional error is set after an accident, then the company has the right to file a claim for compensation made by the affected payments to the unscrupulous client.

How to make changes to the electronic CTP

One of the necessary services in electronic maintenance of insurers is the possibility of comfortable adjustments to the already executed document. Let's figure out what to do if an error was found in the electronic CPEA, and with other situations when you need to make new information or parameters.

The grounds for adjusting the electronic document are the same as for the paper option:

• making new drivers;
• the change in the details of the driver's license in connection with its replacement (although there is no duties to redo insurance, there is a risk of becoming a victim of a dismissed employee of the traffic police, which "will not notice" the mark of the previously active document);
• obtaining a new passport;
• change address of accommodation.

Unlike the sales procedure, the issues of making new information in the law did not work. This means that the only legal mechanism for changing the data in the insurance is the personal appearance in the insurance company. At the same time, experts print a paper version of the document and the policy stops being digital. The validity period and other terms of the contract remain the same.

There is a chance to get a refusal of office employees. This can be explained by the fact that the room does not occupy the company itself, but its brokers - agents who have the right to conclude on behalf of the insurer new CTP agreements. Another reason is often the desire of employees impose an additional policy. The ability to re-inform the document they associate with the purchase of another service. Such actions are unlawful and representatives of the company, you can complain to the higher management or in controlling authorities (Rospotrebnadzor, the territorial division of the Central Bank of the Russian Federation, financial ombudsman).

A number of insurers provide customers with the ability to adjust some of the document parameters through the personal account. With the increase in the popularity of digital insurance, the likelihood of the provision of a full service providing for changes to the electronic policy of the OSAGO is high.

Extension of the Osago Polis and Replacing the Insurer Company

When using a digital policy, the problem of its extension occurs. A year after design (in some cases - even earlier), the client will have to receive a new document. Features of its design depend on a particular insurer. In this case, the procedure will include a number of general steps.

1. Passage of technical inspection. A prerequisite for extending insurance is the availability of an urgent diagnostic card. If it is absent, it will have to get on any STR providing such services.
2. Filling data in your account. You need to go to the insurer's website and enter the username and password of the account. Many companies provide the possibility of simplified extension of the CCAMA. It is enough to go to the relevant link and make information about the room and the date of the diagnostic card.
3. Data checking. If the information is confirmed, the system will propose to go to the payment of the document.
4. Payment and receipt of the policy. After transferring money to the email address will be sent a new document, as in the primary design.

In subsequent years, the update of the policy will be made in the same way.

Some insurers provide a service for extending insurance decorated on paper, in electronic version. To do this, you need to register on the site and make the details of the expired policy.

Another important point is the transition from one insurance company to another. The most relevant issue is to preserve the discount provided for trouble-free driving. Personal Cabinet functionality does not provide for the possibility of issuing the Bonus Malus coefficient. To arrange it, you will have to provide the insurer previously executed policy. The fact of driving without an accident for the previous year will be set on request to the previous customer company.

Given the recent appearance of the possibility of issuing a digital policy, there are many gaps and problems that significantly worsen the service provided. Over time, they will be eliminated and the popularity of electronic CTP will become significantly higher.

According to FZ No. 40 of April 25, 2002, "On compulsory insurance of civil liability of vehicle owners" (OSAGO), the Insurance Company concludes an agreement with the insured for 1 year during which any changes are allowed. In practice, the need to make changes to the policyholder or his trustee in the policy arises quite often.

In this article we will consider: when and in what cases the car owner may need to make changes to the OSAGO policy; What kind of changes can be made to it, and which cannot be; What is the procedure for making changes to the policy and what extra charge must be made by the insured in a particular case?

How to enter the driver in the policy of OSAGO?

As already mentioned in the introduction, the situation when the Insured must additionally enter the driver in the insurance contract and entrust him to control the car arise quite often. In particular, these are situations:

• introduction to the driver insurance contract;
• extending the period of use of the car;
• changing personal data;
• changing the owner (in the case of the sale of the machine).

As a rule, taxi and buses and buses are actively using adjustments in the CCAMAGO, which often change drivers. However, it is absolutely no important for what reason it is necessary to make changes, it is worth knowing that the insurance company cannot refuse this service.

To make changes to the OSAO, it is necessary to apply to the representation of the insurance company. Please note that only the insurer can make changes, that is, the person who concluded the contract and paid money for him. For the introduction you will need a personal passport and driver's license of the driver, which you need to enter into the policy of OSAGO.

Correcting and writing in the policy of drivers can be paid and free. Consider, in what cases the insurer may charge when making changes to the OSAGO policy, and in what cases it is not required.

In what cases does the driver fit without surcharge?

When calculating the insurance premium paid on the CTP policy, not only the experience and age of each driver, but also the size of the CBM is taken into account. KBM is the size of a downgrad or an increase in the coefficient taken into account when calculating the insurance premium. For each year of trouble-free driving, the driver receives a discount of 5%. With the high accident rate, the driver is forced to pay an increased insurance premium at higher values \u200b\u200bof KBM. For convenience, the calculation of this coefficient occurs in a single PCA basis.

As a result, if the size of the discount is or more than those drivers who are already allowed to manage, the insurance company should make changes without additional fees.

For example, Simonov Grigory Pavlovich issued insurance from 08/15/2016 to 14.08.2017. Under the contract I could only use the car. Grigory Pavlovich has a good experience and driving experience. For trouble-free years earned a discount in the amount of 30% (grade 9 of the CBM).

A neighbor in the apartment Ilya Valentinovich 30.01.2017 I turned to Gregory Pavlovich with a request to borrow a car to go with the whole family for a couple of days in the neighboring city to my relatives.

When contacting the insurance company, the manager checked the data of Ilya Valentinovich and determined that he was an experienced driver who earned a 35% discount (10 class KBM). Due to the fact that the discount of the new driver is 5% more than in Peter Vasilyevich, the supplement under the contract is not provided. As a result, such a driver fits free.

In what cases is the fee fee charged?

If the policyholder plans to enter into a workshop of the driver, recently received the right or never previously included in the insurance contract, an insurance company employee will recalculate the insurance premium and the policyholder will be forced to make a surcharge. According to the rules, when entering into insurance, the driver, having driving experience less than 3 years and age less than 22 years, the cost of the contract occurs almost twice.

For example, Petrov Fyodor Vasilyevich bought the policy of OSAGO from 10/15/2016 to 10/14/2017. Under the contract for the management of the vehicle was allowed only. Anton, grandson Fyodor Vasilyevich, received the driver's license at 18 and asked him to allow him to manage the vehicle.

When contacting the insurance company, the manager calculated the raising coefficient to the paid insurance premium. Since the young driver does not have a minimum driving experience, and therefore the boosting factors are used, then in order to allow a beginner to control, it will need to pay extra for the transfer of the policy.

Extension of insurance period

Many drivers in the desire to save at the cost of the OSAGO draw up an insurance contract for 3 or 6 months. Insurance for fewer term is also relevant for those drivers who use their "iron friend" not all year round.

But how to be a driver, if the insurance contract is concluded for a year, and the period of use of the CU under the contract was listed less than a year and it is necessary to increase it? In this case, it is necessary to contact the company in which the contract was concluded, write a statement with the requirement to increase the period of use of the vehicle.

If the insured at the time of registration has concluded a contract for 3 months and paid 50% of the annual cost of the policy, then for the remaining insurance period will have to supplement the remaining 50%. When executing the CTP policy for 6 months, 70% of its annual cost takes and, in the case of renewal, it will be necessary to supplement the remaining 30%.

It is important to know that the prolonged period of action of the OSAGO Agreement, the policyholder does not overpay the annual value, calculated under the contract when executing the policy only if it appeals in a timely manner, before the expiration of the insurance period.

Private changes

Changing personal information included in Osago

When changing any personal information (driver's license or surname), it is necessary to turn to a representative of the insurance company and make appropriate changes in the policy of OSAGO. If a driver's license is replaced, it is necessary to provide new driver's license and write an application for data change. When changing the surname, the insured must provide a passport.

When changing personal information it is necessary to write a statement and present a document on the basis of which changes will be made. Technical changes in all cases are made by an insurance company employee for free!

Changing the owner of the vehicle

Often, many drivers sell the car before the expiration of the insurance policy. In this case, they can terminate the contract and return some of the money, or give their insurance policy to the new owner. To change the owner, it is necessary to provide a personal passport, the passport of the new owner and the trade and sale agreement of the vehicle.

Are the power of attorney?

According to the current law, only a policyholder or other person acting on the basis of power of attorney can make changes to the operating policy. To make changes by proxy, the representative must contact the insurance company with a passport, attorney and insurance contract. Please note that changes in the CTP are entered only in the presence of a notarial power of attorney! Normal handwritten power of attorney is not accepted by employees of insurance companies.

What changes to make it impossible?

Before contacting the insurance company's office, the applicant should be taken into account that not all data can be changed in the current insurance contract. For example, a change is not subject to:

• change of vehicle, i.e. Replacing the registration data of one machine to another;
• replacing the car insurer;
• changing the term of the contract.

Finally

It turns out that in order to make changes to the policy of the OSAGO, the insured must personally contact the office of the insurance company, having a personal passport with him, and write a statement. All changes in the policy of OSAGO are entered on the day of circulation.

• Insurance portal.ru.
• Osago
• How to make changes to the policy of OSAGO

All information presented on the site is informational and under any circumstances is not a public offer.

Representing the Russian Union of Motorovshchikov, the company at the design of the OSAGO policy adheres to transparent conditions. Motor transport owners may make a policy on conditions favorable for them with any basic tariff.

With a low base tariff, contracts are issued on:

• motorcycles;
• mopeds and quad bikes;
• cars whose owner is a legal or individual, or an individual entrepreneur. The program applies to citizens who live in the Primorsky Krai, Moscow, Kaliningrad, Samara, Sakhalin and Novosibirsk regions;
• TC categories "C", "CE", "D" and "DE", except for vehicles used on regular flight routes;
• tractors and other road construction machines.

The maximum basic tariff is provided by car owners using transport in the process of commercial activities that live in the regions not specified above.

Ways to design the insurance policy of the OSAGA company Alfactors

In order to provide customers with the greatest amenities, the company alfactor issues the insurance policy of the OSAGO in the following ways.

Online (electronic policy OSAgo alfactory).For registration of the OSAgo online policy, you must go to the official website of the company in the Internet network. Next, fill out the application form and send it to consideration. Usually design requires a minimum of time. Application processing is depends on the correctness and literacy of its fill.

Special attention is paid to the introduction of personal data. You can pay the policy through the site using a bank card or e-wallet. The decorated policy of the CTP will be replaced by e-mail, it remains only to print it. The reality of the electronic policy is the same as the policy discharged in the office.

In real mode.In order to design an insurance policy directly in the IC "Alforabia", it is necessary to personally submit an application in any of the offices. It is filled personally or with the help of an insurance company employee. Be sure to specify the fill date and put the signature of the aggregate.

The statement indicates the information:

• personal data of the car owner;
• technical characteristics of TC;
• about persons admitted to managing this transport.

An employee of the insurance company under the statement is calculated by the cost of the OSAGO policy. On the application form of the statement, they fit the coefficients that are used in the calculation. The list of documents is attached to the statement of the car owner, the accrued cost of insurance is made. After the execution of the policy, the company's employee issues a policy.

How to calculate the cost of OSAGO SC alfactory

According to the generally accepted rules, the price of the policy of the OSAGA includes the basic fare and coefficients. Insurance companies cannot change the price of the policy, arrange shares or sales.

Basic rates depend on the brand, car model, engine power, presence of previously decorated insurance. They are used to increase or lower coefficients depending on:

• age of the car owner;
• his driving experience;
• car registration area;
• car power;
• the number of persons allowed to control the car;
• duration of trouble-free driving.

Among the coefficients that affect the cost of the policy should be noted:

• territorial coefficient, individually used for each region;
• the power factor of the motor, depending on the implemented horsepower (0.6 - 1.6);
• the coefficient depending on the number of drivers to control, with a single driver coefficient equals one;
• the coefficient "Bonus-Malyus", due to the presence of an insured event as an incentive measure to the driver who has not created an emergency.

When calculating the policy, a special formula is used, taking into account the basic tariff and appropriate factors.

Online Calculator Osago 2017:

Owner TS	Physical person
Place of registration of the owner of the vehicle	Moscow city and settlements of the Moscow region. St. Petersburg city and settlements of the Leningrad region. Abakan Azov Alexandrov Aleksin Altai Krai Almetyevsk Amursk Amur region. Anapa Angarsk Anzhero-Sudzhensk Apatity Arzamas Armavir Arsenyev Artem Arkhangelsk Arkhangelsk region. Asbestos Astrakhan Astrakhan Region. Achinsk Barnaul Blagoveshchensk Balakovo Balahna Balashov Bataysk Belgorod Belgorod region. Belöbey Belovo Belogorsk Beloretsk Belorechensk Berdsk Berezniki Berezovsky Biysk Birobidzan Bor Borisoglebsk Borovichi Bratsk Bryansk Bryansk region. Bugulma Buguruslan Budennovsk Buzuluk Buynaksk Great Luke Veliky Novgorod Upper Pyshma Upper Salda Vladikavkaz Vladivostok Vladimir Vladimir region Volgograd Volgograd region Volzhsky Vologda Vologda region. Volgodonsk Volzhsk Volsk Vorkuta Voronezh Voronezh region. Vykinsk Vyzki Vyazma Gelendzhik Georgievsk Glazov Gorno-Altaisk Gubkin Gukovo Gus-Crystal Derbent Dzerzhinsk Dimitrovgrad Jewish Autonomous Region. Yekaterinburg Elabuga Elets Essentuki Efremov Zhelechnogorsk Transbaikalsky Region Zarechnaya Zarinsk Zelenogorsk Zelenodolsk Zlatoust Ivanovo Ivanovo region Izhevsk Irkutsk Irkutsk Region. Iskitim Ishimbay Yoshkar-Ola Kabardino-Balkarian Republic Kazan Kaliningrad Kaliningrad region. Kaluga Kaluga region Kamensk-Ural Kamensk-Shakhtinsky Kamyshin Kamchatsky Krai Kanash Kanash Karachay-Cherkess Republic Caspian Kemerovo Kemerovo region Kimra Kireshma Kirov Kirov region Kirovo-Chepetsk Kiselevsk Kislovodsk Klintsy Carpet Kogalym Komsomolsk-on-Amur Kopeisk Kostroma Kostroma region. Kotlas Krasnodar Krasnodar Territory Krasnoyarsk Krasnokamensk Krasnokamsk Krasnoturinsk Krasnoyarsk Kropotkin Krymsk Kstovo Kuznetsk Kuibyshev Kurdenau Kungur Kurgan Kurgan region. Kurganinsk Kursk Kursk region Kyzyl Labinsk Leninogorsk Leninsk-Kuznetsky Forest Lesosibirsk Livna Lipetsk Lipetsk region. Lysva Lysva Magadan Magadan region Magnitogorsk Maikop Mallobek Makhachkala Mezhdchensk Meleuz Miass Mineral Waters Minusinsk Mikhaylovka Mikhailovsk Michurinsk Monchegorsk Murmansk Murmansk region. Murom Mtsensk Naberezhnye Chelny Nazarovo Nazran Nalchik Nakhodka Nevinnomygin Neftekamsk Nefteyugansk Nizhnevartovsk Nizhnekamsk Nizhny Novgorod Nizhny Novgorod region Nizhny Tagil Novgorod region. Novokujsk Novokuznetsk Novokuibyshevsk Novomoskovsk Novorossiysk Novosibirsk Novosibirsk region. Novotroitsk Novouralsk Novocheboksarsk Novocherkassk Novoshakhtinsk New Urengoy Norilsk Noyabrsk Nyagan Obninsk Ozersk Oktyabrsky Omsk Omsk region Eagle Oryol region Orenburg Orenburg region Orsk Osinniki Otradny Pavlovo Penza Penza region Perm Perm Petrozavodsk Petropavlovsk-Kamchatsky Peteropavlovsk-Kamchatsky Pechora Polevskaya Primorsky Krakopyevsk Cool Pskov Pskov Region. Pyatigorsk Revda Republic of Adygea Republic of Altai Republic of Bashkortostan Republic of Buryatia Republic of Dagestan Republic of Ingushetia Republic of Kalmykia Republic of Karelia Republic of Komi Republic of Mari El Republic Mordovia Republic of Sakha (Yakutia) Republic of North Ossetia-Alanya Republic of Tatarstan Republic Tyva Republic Khakassia Rzhellav Rostov Rostov-on-Don Rostov oblast Rubtsovsk Ruzaevka Rybinsk Ryazan Ryazan region Salavat Salsk Samara Samara region Saransk Sarapul Saratov Saratov region Sarov Satka Safonovo Sakhalin region. Sayanogorsk Sverdlovsk region Free Severodvinsk Severnorsk Seversk Serov Sibey Slavyansk-on-Kuban Smolensk Smolensk region. Solikamsk Sochi Spassk-distant Stavropol Stavropol Territory Stary Oskol Sterlitamak Surgut Syzran Syktyvkar Taganrog Talnakh Tambov Tambov region Tver Tver region Timashevsk Tikhoretsk Tobolsk Togliatti Tomsk Tomsk region. Troitsk (Chelyabinsk region) Tuapse Tuymaz Tula Tula region Tulun Tyumen Tyumen region Udmurt Republic Ulnaya Ulan-Ude Ulyanovsk Ulyanovsk region. Usolye-Siberian Ussuriysk Ust-Ilimsk Ust-Kut Ufa Ukhta Khabarovsk Khabarovsk Krai Khakati-Mansiysk Khasavyurt Chapayevsk Chebarkul Cheboksary Chelyabinsk Chelyabinsk region. Cheremkhovo Cherepovets Cherkessk Chernogorsk Chechen Republic Church Chuda Chuvash Republic Autonomous District. Chusovoy Shadrinsk Shakhty Shelekhov Shuya Shchekino Elista Engels Yuzhno-Sakhalinsk Yurga Yakutsk Yaroslavl Yaroslavl region. Yartsevo Foreign State follows to the place of registration
Contract time	1 year 10 months and more than 9 months 8 months 7 months 6 months 5 months 4 months 3 months 2 months from 16 days up to 1 month from 5 to 15 days Until 20 days incl.
The period of use of TC.	10 months and more than 9 months 8 months 7 months 6 months 5 months 4 months 3 months 10 months and more than 9 months 8 months 7 months 6 months Not required
Type TC.	Cars passenger cars used in taxi motorcycles and motor scooters trucks with a resolved weight of up to 16 tons incl. Trucks with a permitted mass over 16 tons buses with passenger seats up to 20 incl. Buses with passenger seats More than 20 buses used in Taxi trams Trolleybuses Tractors, road construction and other machines Trailers for passenger cars Trailers for trucks Trailers for tractors, road construction and other machines
Engine power TS	Up to 50 hp inclusive from 50 hp up to 70 hp inclusive from 70 hp up to 100 hp inclusive from 100 hp up to 120 hp inclusive from 120 hp up to 150 hp inclusive of 150 hp Not required
Age and experience	Without restrictions, age up to 22 years old, up to 3 years old age up to 22 years old, more than 3 years old age Over 22 years old, up to 3 years old Age Over 22 years old, more than 3 years Not required
The contract is concluded	For the first time the second time the third time the fourth time the fifth time the sixth time seventh times the eighth time Not required
Insurance cases for the 1st year	There was no 1 2 3 4 or more
Insurance cases for the 2nd year	There was no 1 2 3 4 or more
Insurance cases for the 3rd year	There was no 1 2 3 4 or more
Insurance cases for the 4th year	There was no 1 2 3 4 or more
Insurance cases for the 5th year	There was no 1 2 3 4 or more
Insurance cases for the 6th year	There was no 1 2 3 4 or more
Insurance cases for the 7th year	There was no 1 2 3 4 or more
Insurance cases for the 8th year	0 1 2 3 4 or more
Gross violations	No Not required

Absolutely recently motorists met with such an attractive product as an electronic procedure. Consider in the article How to make changes to the electronic policy of OSAGO and what is necessary for this. Also in the article we note, in what cases the insurance company will not be able to make changes.

In which cases it is necessary to make changes

In paragraph 8 of Art. 15 of the Federal Law "On OSAGO" is clearly spelled out that the insured must notify the insurer of all the changes that arise during the entire term of the contract.

At the same time, the insured must notice about the change of not only information that appear in the form of the policy, but also about all others that were provided during the conclusion of the OSAGO.

Notify if the data changed:

• passports;
• driver's license;
• document for the car: PTS or STS.

In other cases, it is not necessary to access the insurer. As for the period, they are not coordinated at the legislative level. However, you should not pull and call a few weeks or months.

When you can't make changes

At the legislative level is also spelled out, in which case, the insurance organization cannot make changes. You can not change the data in the electronic policy:

• insurer under the contract;
• insured vehicle;
• the term of insurance.

If you needed a change in this nature, it will be necessary to first terminate the contract form and make a new one.

Consequences and sanctions

What will happen if the client will not be able to make changes to the treaty because of employment or ignorance? Of course, penalties and punishments that are installed at the level of the law do not exist.

However, there are cases when, as a result of late making changes, drivers simply lost their earned discounts and could not restore it. Specialists of the insurance company Rosgosstrakh and alfactors are often faced with the fact that customers are changing rights and do not notify the company, as a result of which the discount for trouble-free disappears.

The loss of the accumulated bonus is that this is the consequences that arise from customers who do not want to make changes to the electronic or ordinary policy of the OSAGO.

How to make changes to the electronic policy of OSAGO: Step-by-step instructions

Every car enthusiast should know how the change procedure occurs and what is necessary for this. For your convenience, we have created a small step-by-step instruction. Also you can always get advice on insurance in our specialist on the site.

Step First Write a Statement to Insurance

The first thing to be done is to contact the office of the insurance organization and write a statement. Application form always give employees of an insurance company. At this stage, many allow mistake and go just to the nearest insurer.

Amendments are necessary in the office of the company in which the contract form was issued.

Experienced experts advise in advance to call the insurer and clarify whether they will be able to make these changes or not. The thing is that a number of financial organizations can amend the contract only in the central office.

Step second submit documents

Make edits to the electronic policy of OSAGO in the company VSK, consent or ingosstrakh can only be available in the presence of a full package of documents. For registration it will be necessary to provide:

Additionally, the insurance organization may ask the client to show the car in its pure form. This requirement is permitted at the legislative level.

Step Three Get New Insurance

After accepting a statement and package of documents, an insurance organization will make edits to the contract form and give a new policy. It is important to take into account that at a new form, in special conditions, the number of the previously obtained contract will be registered.

According to the rules, the insurer can make changes on the reverse side of the form. In this case:

• mark "Special conditions, continuation of policy number";
• new data is entered;
• the post of employee, full name and signature is set;
• the date and time is prescribed.

For example, when replacing the license plate of the car:

Special conditions, continuation of the policy of XXX № 0101010101 dated 02.02.2018

State registration sign: P001RR64

Manager IC "Ingosstrakh" Sidorova Olga Petrovna (signature)

02/14/2018 at 11 o'clock 20 minutes

Power of attorney for making changes (sample)

As already mentioned above, the power of attorney will be required if the insured person is not drawn in the office of the insurance company, but another person.

In this case, it is important to know that if the owner is not a policyholder under the contract, then it will not be able to make changes without a power of attorney.

Any power of attorney is drawn up at the notary. It must be specified in it:

• insured data;
• data of a trustee;
• what actions trusted can do;
• validity.

For your convenience, we suggest download. If necessary, you can get advice on the preparation of attorney from a consultant on our website.

Some insurance companies are ready to meet their client and replace the OSAGO with a simple power of attorney, which the insurers and a trustee filled from the hand. Takes the insurer handwritten power of attorney or not, you can clarify by phone.

Selling individual cases

Since changes are different, in the last section of our post, consider how to make edits and that it may be necessary for this.

Adding a new driver

Immediately it is worth noting that this is the most relevant change, followed by drivers to the insurer's office. With itself, in addition to all previously listed documents, it is necessary to have the rights of the driver, the autocarted responsibility of which must be insured.

In the policy you can enter no more than 5 drivers. If the contract is already insured, the specified number is insured, then when you follow the new, you should write someone. However, you can choose the condition "unlimited number of persons allowed to control."

For the application of the driver may be surcharge, which specialist calculates automatically. You will have to pay extra, if a new driver:

• discount based on the PCA is less than the one for which the initial calculation was formed;
• age less than 22 years or driving experience is less than 3 years old, and in previously inscribed participants in motion more.

Changing the owner of the vehicle

Actual in the event that the insured sells the car in which the insurance is still valid. To make information you will need to be present:

• contract of sale;
• passport of the new owner.

Supplement for changes is charged if the new owner has a greater coefficient for the correction factor "Place of registration".

For example, the former insured was registered in the Saratov region and paid by the coefficient of 0.7. The new owner is the propius of Saratov, as a result of which the calculation is due to 1.6. It turns out that the new owner must pay the difference that is calculated for the remaining number of the contracts of the contract automatically according to the Insurer Program.

But now it was necessary to make changes to it - add the driver, change the regiment of the car, rewrite the owner. What to do, where to go? We understand this article.

What the Law says

In paragraph 1.10 of the rules of compulsory insurance of civil liability of vehicle owners, the following is indicated:

"... Changes in the insurance policy, decorated in the form of an electronic document in the manner provided for in these rules, can be made in electronic form or by re-issuing the mandatory insurance policy on paper. In the latter case, the Insured is issued a renewable (new) policy of compulsory insurance on paper. "

That is, in fact, the law does not prohibit insurance companies to make changes to the electronic policy of the OSAGO in electronic form. In practice, this company does not use this possibility. And they demand to come to the nearest sales office to issue a new paper form.

The law allows 💚 electronically change policy

E-Osago. But companies do not know how 📵

But before searching for the office of your company's office and go there, we recommend calling the insurer's crown and clarify this question. Suddenly, they have changed something, and you can check the procedure through the site.

That is why it is still more convenient to issue an electronic CTP in large insurance companies with an extensive network of branches and representative offices. So, to make changes to the electronic policy of OSAGO Rosgosstrah, you will be available in Russia. But to change the electronic policy in the reso, a little more than 600 offices in the country are provided.

How to add a driver

If you need to add to the list of persons allowed to manage the E-Osago policy, a new driver or removed from there, you will need to write a statement to the insurance company.

Important! If the experience and age of the new driver will be less than those who have already entered the policy, you may have to pay a prize.

It will be necessary to pay extra if you change the policy of specific drivers for an unlimited list.

The surcharge is calculated for the remaining term of the OSAGO policy.

Brief instruction:

• take a copy of the driver's license of the new driver,

How to make a new car number

If you re-registered a car in the traffic police and received a new registration sign, archel a copy of the registration certificate and go to the office of the insurance company. It is not necessary to do it on the car, no one will look at it.

There will be necessary to write an application for changing the Gosnomer in the Police and attach a confirmation document - certificate of registration.

The application template will be provided to you in the office of the insurance company.

For the change in the state discrepancy of the car, nothing will have to pay extra.

Brief instruction:

• take an updated registration certificate
• write a statement to the insurance company,
• get a renewed policy of OSAGO in paper.

How to change the owner

If the owner has changed from your car - re-rejected on his wife, presented the mother-in-law and the like, before a visit to the insurance company, do not forget to take the TCP with you - the technical instrument passport.

It is the TCP, and not a certificate of registration, is documents that confirms the ownership of the car.

In the office you will write a statement again. The application template will be provided to you.

Important! The cost of the OSAGO policy is calculated on the basis of the residence of the owner of the machine - Article 9 of the Law on CTP No. 40-FZ. Therefore, perhaps the new owner will have to supplement the insurance premium in the policy. For example, if the former owner lived in the Ryazan region - there is 0.9, the coefficient of the territory is 0.9, and the new one lives in Moscow - here is CT \u003d 2.0.

Brief instruction:

• take a vehicle passport
• take a passport of the new car owner,
• write a statement to the insurance company,
• pay the insurance premium (possibly)
• get a renewed policy of OSAGO in paper.

During the period of action, it may be necessary to make some amendments to it. In which cases, it is necessary to report on the existing changes in the SC and how to make changes to the electronic policy of the OSAGO we understand this article.

What is fraught with inaction?

In accordance with paragraph 8 of Article 15 of the Federal Law "On OSAGO" in the event of any changes in personal data, the Insured under mandatory conditions should notify the insurance company.

In the pace of modern life, a person does not always have the opportunity to engage in the necessary affairs on the correction of the document. And someone, by virtue of ignorance, does not understand how to make changes to the electronic policy of OSAGO.

If you do not inform about the change of the phone number, it will not entail the sad consequences. But if you do not make adjustments when changing documents, place of residence, F. I. O., then it is possible to be in a very unpleasant situation.

For example, when checking documents, the traffic police officer will ask a lot of issues, why information in the insurance form does not comply with the data of your documents. The order of the order has the full right to recognize the policy invalid and write down the decree on violation of administrative responsibility.

This is not the most critical situation, everything is complicated when the road accident occurs. No insurance company agrees to compensate for the damage to E-OSAGO, in which the data does not correspond to reality. Therefore, it is important to change the data in time. electronic policy of autocarted responsibility. Timely change in data in the electronic policy will save a lot of time and money in the future.

In which cases it is necessary to make changes

The amendments to the electronic procedure must be made in the event of a change in any data listed in a single base of the RCA. Namely it:

• replacement Wu;
• the need to use the vehicle outside the use period prescribed in the insurance form;
• replacement of PTS;
• replacing the state registration sign;
• changing the owner of the vehicle;
• change of revenge residence, F. I. O.

In addition, when transferring control of the CU, a temporary driver also needs to be changed.

When you can't make changes?

It is not allowed to make the following adjustments in E-OSAGO:

1. In the electronic insurance form, you cannot change the vehicle.

2. The wizard - the new individual will not fit into the blank.

3. It is impossible to fix the service life.

In all cases listed, it is necessary to first terminate the insurance contract, and to conclude it. In polis, such changes are not made.

How to fix the data?

Stripping from paragraph 11 ch. 1 Rules OSAGO The insured is entitled to make changes through the personal account on the insurer's website. This happens by sending an electronic statement to the SC, which is over 2 Business days at consideration, after this time, the client comes an answer.

This may be an updated edge form in electronic form or a motivated refusal of amending remotely. Then the insurer needs to contact the office personally and get a reissued policy of the CTP in the paper version.

If there is no technical ability to perform the necessary actions through the LC on the insurer's website, then you will also have to go to the nearest branch of the SC. A stranger can perform these manipulation on behalf of the owner on the basis of a power of attorney decorated from a notary.

Required actions and documents

When visiting the SC, in order to change E-Oshago, you must take with you all the updated documents. An insurance company employee will make appropriate changes to the RSA base, and they will immediately affect the policies:

1. Changing the driver's license requires submitting an updated document and passport, write a statement. That's all you need to do to make changes. In the future, make sure that the previous number of Wu is displayed when calculating the cost of insurance, on which the KBM is listed.

2. In order to enter a new driver, you should bring his driver's license and your passport. You may have to pay extra insurance premium.

3. If you decide to extend the time of the use of the vehicle, you should contact the SC until the end of the period prescribed earlier.

4. When changing the registration, it is enough to provide a passport and write a statement.

5. By changing the passport of the vehicle, do not be lazy to change the policy, because this information is displayed. Provide the new TCP, the owner's passport.

6. Upon receipt of new numbers on the car, you should also update the insurer blank. Take a certificate of registration of a vehicle and a passport, write an application for changing the Gosnomer in the Insurance Blanc.

7. If you decide to take another surname, you first take care of the change of all documents, and then contact the insurance company with a full package of fixed documents.

8. There is a possibility to indicate in the insurance of the new vehicle owner. For this, the presence of the policyholder, a passport of a citizen of the Russian Federation, Wu of the new and old owner, a document that confirms the ownership of the vehicle.

9. If necessary, it is possible, then the cost of insurance will increase.

In each case, it is necessary on behalf of the owner of the car to write a statement that will accept and assure an employee of the SC. The client will already receive a standard paper blank form, the number and validity period that will remain in the same form.

It is important to receive a corrected electronic insurance policy in a timely manner.

At the same time, the adjustments can be made only by the employees of the SC, the insured itself is prohibited to do this. Do not tighten with contact your SC for data change. Otherwise, the situation may turn against you.

When visiting the SC, be sure to ask a copy of the application with an organization's visa. Previously familiarize yourself with the rules for the correction of the insurance policy, this will help to avoid the conclusion of a new insurance contract at the initiative of the SC officer, which will be financially unprofitable for the client.

Good afternoon or evening, dear readers of my blog.

The day before yesterday, at the request of a friend, helped him arrange the OSAGO online. Since last year we made OSAGO in alfactorya, and until the expiration of the policy still has time - two weeks, it was decided to simply extend the policy, because no changes are required. The case is five minutes, as they say)

By the way, if you are also going to prolong your policy in the near future, I would like to recall that now policies decorated online come into effect the next day, as it was quite recently, but after 3 days on the fourth! .
And since there are cases that "the driver accumulated by the driver", and more accurately taken into account these points CBM coefficient - unexpectedly changes to the worse side, and he simply becomes a "newcomer" driving, which is poured in an unexpected rise in price of the cost of CTP, I recommend in advance Check your KBM. And to start drawing up a policy not three days before the expiration of the previous one, and in 2-3 weeks. You will have time to write a letter demanding to check and fix the CBM, if it suddenly changed or even disappeared. You can find a reference to check the CBM on our site.

So, first I checked the CBM. It is strange, but it seemed to me that KBM should have been equal to 0.5, while for some reason he was 5% higher - 0.55

Well, okay, I do not argue with this, however, when the policy is extended to the new period and in the absence of insurance events during the period of the previous policy, the KBM should decrease and amount to 0.5 (which, by the way, is the most minimal value.)

We go to the site alfactory, in the section of the Personal Cabinet "Policy" and see the cherished button "Extend". Click ... The site reports that our request will be processed by the employees of the SC, and possibly tested on the basis of the RCA, and if everything is in order, the link will come to our mail to prolongation (renewal) of the contract.

A few minutes later the letter came and we were able to continue. (In the interests of privacy of personal data, some numbers and words in the pictures will be closed with a gray background)

The price (extension) of the Polis was 2536.69 rubles. At the same time, just like last year! What's the matter?

For the sake of interest, without closing this page of the site, we switched to the registration page of the new policy, where all the data had to enter again. And what's the result? See below:

About Miracle! KBM has become less than 5% (as it should be). And respectively the price of insurance fell by 230 rubles))) Trifle, but nice!

As expected, when prolongation, the CBM policy did not change:

So, friends, draw conclusions - if the cost of the policy, and more precisely, the size of the insurance premium did not change, then either you have already achieved the minimum due to the fact that your KBM \u003d 0.5, or you simply try to deceive. If reluctant to bother because of 200-300 rubles, you can safely feed the button "Pay" and get a new policy and a constant CBM. Or try to arrange new Polis And maybe even new Policy in another insurer And see whether the CBM and the cost of insurance will change.

Another point that has long been using alfactors - the inconspicuous "steaming" of an additional service is the driver's life insurance. I thought it was not at all imperceptible, because all the same half a line is visible, and when you go to payment, you will try more money. But it turns out, some people fall on this fishing rod. The benefit of the amount is small, and in relation to the price of insurance does not greatly increase its value - just 350 rubles!

The string appears at the moment after you specify the method of payment. The string immediately shifts under the calculation cap and it is almost not visible. But it does not take place entirely that, apparently, there was no accusation of the insurer of fraudulent actions.

Just scroll up until the "Pay" button is pressed and removed the box from the square. Everything! Now press "pay" and go to payment!

And finally.

After we paid a new policy and got it to your mail, it was fun to watch the following in the Personal Account:

Two polishes with the same conditions, but in a different price!

Good luck on the roads!

I remind you that from November 1, the checkout of the OSAGO policy will be carried out through the means of photovideofing. Have it in mind if the policy has not yet issued! The size of the fine does not change. But is it in a fine? Make the policy so that there is no something, God forbid, of course))

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