Why Rsa chooses an insurance company for me. Replacement Insurer: Trunks of the Insurance Company or the benefit for the insured? The procedure for payment of insurance

Or another person for the consequences under contracts.

Sometimes this value also uses the concept of "insurance coverage".

Insurance - in the absolute (value) expression of the amount, which is insured by individual objects or all the property of the policyholder. The concept of insurance is also applied to assess the general obligations of the insurance organization for the aggregate of the types of insurance.

Insurance (Insurance Maintenance) - attitude to the value of the insured property; Maximum insurance is 100%.

Insurance - the system of harm (caused as a result of the occurrence of the insured event) of the life and health of the insured in the form monetary sumspaid or compensated by the insurer of the insured (or persons with the right) in accordance with the current legislation.

Insurance provision is the level of insurance assessment in relation to the cost of property adopted for insurance purposes. In the organization of insurance coverage, the system of proportional responsibility, the limit and system of first risk are distinguished. The most commonly in practice is used proportional responsibility and first risk system.

System proportional responsibility - organizational form of insurance provision providing for payment insurance compensation In a pre-fixed share (proportions). Insurance compensation is paid in the amount of the part in which insurance amount Makes up proportion to the assessment of the insurance object. For example, if the insurance amount is equal to 80% of the assessment of the insurance object, then the insurance compensation will be 80% damage. The remaining part of the damage (in this example is 20%) remains at the risk of the insured. The specified share of the insured in the coverage of damage is called or its own hold of the insured.

The system of marginal responsibility - the organizational form of insurance support providing for damages as the difference between the predetermined limit and achieved level income. If in connection with the insured event, the income level of the insured was lower than the established limit, then the difference between the limit and actually received income is subject to reimbursement.

First risk system - The organizational form of insurance support providing for the payment of insurance indemnity in the amount of actual damage, but not more than the insurance amount in advance by the parties. At the same time, all damage within the sum insured (first risk) is compensated completely, and the damage over the insurance amount (second risk) is not reimbursed at all.

Every car owner wishing to acquire polis mandatory insurance It is entitled to make it remotely. But sometimes, problems with this procedure arise, and the insurers do not understand why Rs redirects to another insurance company For the purchase of the policy, when the initial appeal was intended for another organization.

The right of registration "AUTRINEGURE" is remotely appeared in 2015, but only last year, the residents of Russia received a full-fledged right to purchase, and the insurers are the obligation of implementation at the request of the mandatory insurance policies.

All OSAGO Treaties without exception The Insured is entitled to buy online, but sometimes when trying to arrange protection, the insureders face difficulties and often this is the redirection of the client to a replacement insurance company other than the car owner.

This company occupies a leading position in collecting funds and the number of prevalence in the country and insurance market. Often, insurance companies redirect their customer-policyholders in Rosgosstrakh, because they themselves cannot carry out insurance of citizens.

If such a situation is quite understandable, then it is not clear why electronic passenger It is often impossible to buy precisely in a large organization, and after translating the motorway, fixed by the client by the company, becomes some kind of absolutely unknown office.

Redirecting to the RS site is a completely normal phenomenon that occurs in auto insuranceors who wanted to arrange the policy of "autocartery". This explains all the fact that when making an OSAGO online automated system Reads information about the policyholder and simply sifts it.

By contacting Rosgosstrah, you will notify you about a certain error or threat, as a result of which will be offered to issue a policy from another insurer. Such a translation is quite legal, since in 2016 the agreement on the replacement insurer entered into force.

What is a unified RSA agent

When an electronic auto insurance appeared, it was not sufficiently distributed by the sum of the population of exploiting transport. It was due to the fact that not everyone had the opportunity to acquire a policy in the selected insurance company, since not every organization has offices in all regions of Russia, such as Rosgosstrakh, alfactory or Ingosstrakh.

To correct this situation and a single agent system was proposed, through which insurance in the most remote corners of our country would be carried out. If the insurance company you have chosen redirects you to the site of the Russian Union of motorways, it does not have any representative offices in your region.

A unified agent is the company that is located next to you and act on behalf of the initially selected SC. For example, when making an OSAGO in SB, translates you to the reso, since the first insurer is not capable of providing you with the required service.

What is the Insurer of the Rs

Agree that, when making autocarted liability, each insured pre-choose a company, and not goes to the first insurer who fell. Naturally, because of this perturbation about the fact that you impose another insurer on the CTP are quite substantiated. The replacement insurer on the RCA website is the same, previously mentioned "Unified Agent".

When trying to buy "autocarted" remotely in a fabulous company, it is not always possible and this happens for several reasons:

• You are a malicious violator of insurance, which is blacklisted;
• Your experience is minimal and you are young;
• There are cases of registered accidents, which is why you have a low CBM;
• In addition to you, the vehicles will manage faces with a small driver's experience;
• The company does not carry out insurance in your region;
• You refuse additional services;
• CC considers your region unprofitable;
• Other technical problems.

Since 2016, insurers from 2016 share the potential "bad" and "good" car owners, distributing the entire array by the number of transport PTCs once a week. Thus, each company can get both unprofitable customers and on the contrary. In fact, this is a kind of filter, under which the policyholders fall.

Why and how it happens

Despite the fact that the procedure for which the selected insurer redested you in RSa is quite legal, often the reason for this is unreasonable. So, if we say the portal Rosgosstrakh translates the motorway to the site, in order to offer you another SK, then most likely you have fallen under the so-called filter.

If the RC has sent a reason for which you do not allow you to conclude a protection contract with the chosen organization, then you do not approach them.

As a rule, those insureders are filtered, which, according to the insurer, are unprofitable customers. Consequently, having a bad insurance story you can not understand why Rs has redunted you to another SC.

But sometimes conscientious car owners become "victims". In such cases, only certain manipulations made on the official website of the company will help, which decided not to provide you with auto insurance.

What to do in this case

Since the policyholders have the right to refuse, then they have the opportunity to try to get around the filter and try to try to be remotely. Since the main reason for which is occurring, this is a low CBM, then try to buy a multistastrashka, which does not limit the number of drivers, and therefore does not take into account the emergency class.

This method will help not go to the site of a substitute insurer on the CTP, but it is beneficial only if other drivers who have a lower experience fit into the policy. Thus, the automated system will not check your "unprofitability" for the company and it may be missed for further design.

If it did not help, and after repeated data entries, the transition to the site of the motorways is still carried out, then you are entitled to either agree or choose the purchase of the policy in the office.

Responsibility for refusing to design E CTP

According to the law, the insurers are not entitled to refuse drivers who applied for protection, then with a personal visit to the office of the SC, they definitely do not send to another office or another company. On the one hand, the first company that sent you to another insurer should be punished, as she refused to give you insurance.

But under the law, this responsibility takes on a replacement insurer. That is, if when trying to buy an electronic policy, you are redirected to another SK according to the PTS passport number, then the latter is obliged to issue you the "AUTRINE TRAKA" form.

If the replacement company unreasonably refuses to provide services for the protection of autocratan liability, the organization will incur an administrative punishment in the form of charging money in the amount of 50,000 rubles.

Customers are unhappy that they cannot acquire the policy of OSAGO on the site of the selected company. Insurers can thus cover the reluctance to sell electronic policies in regions with high payments on payments, experts say

Photo: Dmitry Serebryakov / Tass

Bank of Russia recorded the first sales requests electronic polishes Osago. According to RBC, a representative of the press service of the Central Bank, consumers, in particular, complain about the inability to buy a policy on the site chosen by their insurance company. Instead, they are redirected to the site of another insurer. Market participants do not exclude that insurers can use this tool for covering the unwillingness to sell electronic policies in the so-called toxic regions, where there is a high unprofitability of payments. In the Russian Union of motorways (RC), the issue of introducing fines for the refusal of some companies to implement E-polishes is discussed.

"Electronic CTP for most consumers is a new service, car owners only get used to the opportunity to communicate with the insurer on the Internet. That is why part of the complaints received by the Bank of Russia concerns communication issues with the insurance company, difficulties with filling out an electronic insurance statement, "RBC said the press service of the Central Bank. At the same time, he noted that part of the complaints is related to the inability to buy a policy on the site chosen by the consumer of the insurance company, because it is redirected to the site of another insurer.

The mechanism of the substitute insurer, developed by the Russian Union of Motorovshchikov (RSA), makes it possible to ensure the smoothness of the sale of electronic policies by connecting sites of other members of the Union. If the client cannot issue a policy due to existing technical problems, it is redirected to the site of another insurer. The insurer at the same time is chosen randomly out of the total number of insurers of the OSAGO.

"If the mechanism of the replacement insurer is connected, a corresponding message appears on the computer screen with a proposal to follow the link to the site of a replacement insurer," the employee of the press service of the RSA explained, noting that the relevant norms are fixed in the rules professional activity Associations agreed with the Bank of Russia.

The RCA reported that the complaints of citizens were recorded at difficulties in the design of electronic CTP. "Appeals is worried that the client's redirection occurs from the site of one insurer to the other insurer's website; It is impossible to conclude an e-policy in connection with emerging errors; [there is] general issues In order to conclude an OSAGO Agreement in electronic form, "said the employee of the press service of the association. At the same time, he notes that since the beginning of 2017, and as of 15:00 Moscow time, on January 24, 104 such written appeals were received in RSA.

Official market participants do not explain the causes of frequent redirects. However, the participant of the market, who wished to remain unnamed, told RBC that it was true way For those who do not want to sell an electronic CTP, especially if we are talking about the so-called toxic regions where high unprofitability is observed. "Some companies are doing now. For example, after entering all the client data, an error falls out, and it is necessary to enter all over again. "I do not know how companies do it technically, but some are now actively using these," the other source in the market.

As President of Rs, Igor Yurgens, was previously stated, in separate regions, in some companies there is a low level of electronic policies. According to RC statistics, from January 1 to January 19, less than 500 electronic policies were sold in 32 regions, less than 100 policies in seven regions (Chukotka, Nenets District, Tyva, Magadan and Jewish regions, Altai and Yakutia). At the same time, the Krasnodar Territory, Volgograd, Rostov Region, the Stavropol Territory, in each of which more than 4.5 thousand e-polisms were sold in each of which for this period. In just the first 20 days of January, about 100 thousand policies were implemented in the territory of the Russian Federation.

"Accordingly, sanctions are necessary. The RSA Board decided to entrust the Union's specialized committees to develop a system of such sanctions and asked representatives of the Bank of Russia to take part in this work, "said Yurgence. According to him, the proposals of the RSA Committees will be considered at a meeting of the RSA Board on February 2. It is planned that on February 9, they will be approved by the Presidium of Association.

According to the amendments to the Law on CTP, which have entered into force from the summer of last year, from January 1, 2017, all insurance companies with a license for the relevant type of activity are obliged to conclude contracts in electronic form throughout the Russian Federation. At the same time, insurers enter into such contracts should ensure the continuous and uninterrupted work of their sites. According to the current legislation, the total duration of the interruption in the work of the insurer's site should not exceed 30 minutes. When carrying out scheduled technical works, the company is obliged to not less than a day before they began to notify main page Site, indicating the date and time of their end. In the event of issues with the purchase of E-Policy, the policyholders can send references to consumer protection service financial services and Minority shareholders of the Bank of Russia and RCA.

Musture yourself completely in life - the task is impossible, but the state exists mechanisms to minimize risks in serious situations. Protect itself and loved ones helps insurance, which is carried out through contractual relations with insurance companies. Always in these treaties appear two terms denoting two sides of such an agreement - the insured and the insurer. They come in economic relations With each other, and, accordingly, have rights and obligations under these relationships.

Insurer - Man or group of people who receive an insurance product. This is the party that initiates the signing of the insurance contract, as it wants to protect yourself, its property or his journey. The insured voluntarily or necessarily (if the state obliges it) acquires an insurance product and pays a contribution to the insurance company. In return, he gets insurance payments Upon the occurrence of the cases described in the contract, and can expect to protect life, health or property.

Rights and obligations

After signing the contract with the insurance company, a physical or legal person becomes an insured. He has so typical rights for any insurance contracts:

• Be informed about insurance products chosen by the company and its services, as well as changes in insurance conditions;
• to terminate contractual relations with the insurance company at any time of service, as well as get a partial or full refund paid as a contribution to the insurer services;
• change insurance company at any time;
• receive the payments provided for by the contract under the compliance and provision of evidence and confirmation of the occurrence of the insured event;
• submit a lawsuit to the court to the insurance, illegally refused to pay.

At the same time, the insurer must comply with the following conditions:

• On time and fully pay the amount insurance fee under contract;
• comply with the terms of the message about insurance case;
• provide on request insurance additional documents confirming the fact of the insured event;
• do not lie and distort the facts, personal information and other official information in the documents.

It turns out that by paying a contribution to the insurance and compliance with the terms of the contract, which was concluded with it, the insured receives the rights to payments on the emergence of the selected insurance package, and, accordingly, acquires security confidence.

Who is such an insurer

Insurer - This is usually a company providing services to the population in the field of insurance. The insurer should be legal entity and have all licenses and permits for maintaining such activities. Also, for insurance on CTP and some other types of services, the insurer must have connections with.

By the insurer, the information (including advertising) is received from the insurer to a possible policyholder on possible services and spheres in which the insurer offers services. Multiple companies can be both universal insurers, and focus, only on several separate types of insurance.

Usually a circle of insurance services large company Contains:

• Voluntary and mandatory auto insurance in the Russian Federation and for a trip abroad - Casco, Osague, Green Card;
• packages for minimizing the risk of health and life of those who are going to go abroad - for some categories of visas such policies are required at the request of consulates or embassies;
• OMS and DMS - medical policies;
• property insurance.

Rights and obligations

The insurer also has certain rights under the contract concluded with the insured:

• Terminate the contract unilaterally, if the second side violates the conditions on which it was signed - not paying the fee on time, provides incorrect information about himself and the object of insurance (for example, about a car);
• independently assign examination after reporting cases, study the circumstances of the occurrence of the case;
• make decisions on payments and their amount, taking into account additional information about the circumstances of the incident;
• receive truthful information about the insurance object and the insured;
• receive remuneration for their activities.

At the same time, the insurance company is obliged to the insured:

• To pay the amount of damages compensation after consideration of the circumstances of the event;
• do not transfer personal information to third parties;
• attract independent experts to determine the damage caused to the insured and the amount of possible payment;
• produce customer insurance using the product chosen by him;
• to offer possible customers with true information about the conditions, types and cost of insurance services.

Thus, offering the population insurance company assumes certain obligations prescribed in the contract, but also has the right to demand compliance with its conditions.

Insurance contract

The contract is to document relations between the two above parties. It prescribes all the details about the selected insurance of insurance, about the contribution to the SC, as well as the full list of rights of the parties in various cases (when an event requiring payment or during continuing / termination of relations).

The contract is provided by the company to the insured. When signing it, it is understood that the insured agrees with all items that are specified in this document, and, accordingly, takes on all prescribed obligations. The company's representative also signs and assures this document, thereby confirming its obligations and rights on the product of the insurance, which was chosen by the client.

After signing the contract and payment of the first installment, the client is issued a policy, which is a confirmation of the Company's obligations. The policy is prescribed data on the policyholder, object, term and conditions. compensatory payments from the SC.

If the insured event occurs, the data on the SC and the Insured will be considered precisely in the policy, and not under the insurance contract. If this is a policy of CTP, information about it also falls into the OSSION base of the RSA and in the traffic police database, where data is reconciled.

Drivers trying to arrange electronic CTP (whether Rosgosstrakh or any other company), often after filling and checking all fields, get such a mistake and offer "Go to the site of a replacement insurer":

In connection with the presence of a threat to the onset of risks of violation ...

The wording may be different, but the essence is one - you report on the presence of a certain "threat of the onset of the risk of the uninterrupted functioning of the site" and are offered to go to the site of the "replacement insurer". What it is? Why? And what to do?

What is a replaceable insurer?

All members of the Russian Union of motorways (RCA, this organization includes all companies that have a license for the OSAGO in Russia) divided cars among themselves. Just at the PTS number, that is, each car, depending on the last digits of the PTS, a certain company is assigned.

The geographical feature is not taken into account, i.e. The insurer from another region can be appointed to your room, however, all insurance claims are obliged to have a representative in each region of the Russian Federation - their own branch or partner from among other insurance companies. The distribution takes into account the market share - this means that the most cars are assigned to Rosgosstrah (), and small companies receive fewer cars.

This system was invented for sale in sales. " single agent"In the toxic regions in 2016, but by 2017 it moved to the region of electronic CTP.

Why and how does it happen?

Because insurance companies do not want to insure some regions, some drivers, some cars. Therefore, such principle of solidarity was introduced - everyone gets on a slightly "bad" clients.

In the E-Osago sphere, this happens as follows. By law, if the insurance company does not want to insure the client due to technical problems (but who will check - technical this problem, or the site automatically determined that you are a unwanted client), then it is obliged to redirect the client of a replacement insurance company determined by the number PTS. Hence such a strange wording about the "risk of uninterruptedness", this is a quote from the law.

And now this replacement insurance company must insure you. For it, fines are predetermined for the fact that it will not do it.

What to do?

Firstly, If you still burn the desire to insure the company, to whose site you originally entered, then you need to try to change some data. For example, remove drivers with bad KBM, put the "unlimited number of drivers" (multidonev). Perhaps, therefore, you exit the filter and the system will miss you to buy.

But it is still better to try to arrange the E-Polis of OSAGO through the Internet site of a replacement insurer. I repeat, there are chances above, as the fines from the Central Bank are already laid. But no one will give guarantees, of course. Nevertheless, the replacement insurer can no longer be "swelling" you on the basis of technical problems, therefore it makes sense to try. Moreover, in many insurance companies, you can download scans of documents if some data do not coincide with the base of AIS RCA, these scans manually check the employee of the insurance and will make changes to the base.

Many are afraid to insure, as they appointed a little-known company from another region to the replacement insurer, without offices in their city. It is not pleasant, but the law on CTP stipulated. I repeat, each insurance company is obliged to have a representative of the CTP in all subjects of the federation. In the case of small regional companies, large insurers like Rosgosstrakh, Ingosstrakh, alfactors, etc., are basically played by large insurers, and so on.

Read more. Who is a representative in your city can be hot line replacing the insurer or on the site. For example, here is a list of representatives of the Insurance Company Moskovka in each region: http://www.skmoskovia.ru/files/images/representative_on_01.07.2016.pdf Although Muscovy itself has offices only in the central part of Russia.

P. S. Replacement Insurer on the RS website

To guarantee the purchase of E-Osago at a replacing company, it was planned to redirect the client from July 2017, and on the RS site. And there, the client would have already drawn up the policy, written on behalf of the replacement company. However, in practice in July 2017 it still does not work.

Also in most cases (there are exceptions) the function "Go to data transfer" does not work. This means that most likely you have to re-drive all the numbers of passports, PTS, rights, etc. on the new site.