CTP insurance policy form. The program for filling the CTP. The nuances of filling out the policy

Why is OSAGO obligatory

Legislators at the national level have determined that everyone who drives a vehicle should have this document:

Dear reader! Our articles tell about typical solutions legal issuesbut each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

It's fast and free!

• motorcycle,
• passenger car,
• cargo plan vehicle,
• bus,
• scooter and the like.

Important! Owners of scooters whose engine capacity does not exceed 50 cubic meters are exempt from the obligation in this type of insurance, and can only do this on a voluntary basis.

If there is no CTP policy

Option 1. There is no document at all, and this was revealed by a traffic police officer - a fine of up to 800 rubles.

Option 2. The document is not in your hands, you forgot it, - the traffic police officer sends your transport to the penalty area, and you follow it home. Here your costs will be an order of magnitude higher than the lower limit of the fine for his lack of 500 rubles.

Important! For presentation to the traffic police representative, only the document form itself will be needed. However, in an unforeseen situation, it will not be superfluous to have with you:

• insurance payment receipt;
• form Notification of DPT;
• sticker;
• a list of your insurer's representatives.

What are the distinctive features of the OSAGO policy form

1. Greenish paper with red fibers.On closer inspection, you can see on the letterhead small red fibers that are pressed into the greenish paper. This hue is due to the fact that a green microgrid was applied over the entire surface of the document. When the document is broken, they will clearly stand out in the overall structure of the sheet.
2. The sheet size is larger than A4.The A4 format usual for such documents is not used in this document. And it exceeds it in length by almost 1 centimeter.
3. The presence of watermarks.If you enlighten the form, you can see the watermarks, namely the emblem of the Association of Auto Insurers of All Russia (PCA). If these watermarks are printed in a mirror image in front of you - a fake. In the originals, when viewed from the front plane, you will see it as it should be.
4. The presence of a stamp of the insurance company and a unique number of the form.Your unique document number will be located at the top right. When feeling it, the bulge of the numbers is felt. It consists of 10 characters. The insurer's stamp is also convex, with clear data on it, without smearing and inaccuracies.
5. Metallic strip on the back.Turning the form over to the back, you can see on the right, a clearly visible metal strip. About 2mm wide, smooth to the touch.
6. Other indicators of authenticity:
   • high-quality paper - pleasant to the touch,
   • high-quality paint - clean hands,
   • the series is only EEE, others are no longer valid.

Information on the CTP policy form

1. Duration of the contractand for all OSAGO insurance, only 1 year can be prescribed in this paragraph, another time period will confirm the falsification of the document.
2. Insurance period - during use vehicle it will also be 1 year in duration, and will be displayed in the start and end dates of the insurance.
3. Full name of the legal or civil person the insured -all personal information that will be taken from the identification document.
4. Full name of the legal or civil person of the owner vehicle – all personal information of an identification nature, which will be taken from the corresponding document.
5. Make, model, identification number and state registration plate of the vehicle - all the data that will help identify your car by its unique features listed above.
6. Type, series and number of the vehicle passport - this data will be taken from your technical passport on the vehicle, with its help, some data from the previous paragraph will also be verified.
7. For whom the contract is concluded - usually it is registered in it, the one who can manage your transport under this policy. The allowed number of drivers is 5 (you and 4 others).
8. Described sum insured - informational data about its essence (memo).
9. Information about the insured event - informational data on the occurrence of insured events and their compensation.
10. Insurance premium - in other words, how much does your policy actually cost in the event of an accident.
11. Special marks- an innovative introduction, which was previously absent, thanks to it it has now become possible to make adjustments to the insurance throughout the entire period of its validity.

The date of the conclusion of the contract and the signatures of the parties is a standard clause that confirms the conclusion of this transaction, marking it with signatures and the corresponding date.

Where and how can I download the CTP policy form

On the wide open spaces of the Internet there are many options for downloading the form of this document... But it's worth noting that not all of them are legal. This can be done legally only when drawing up an electronic CMTPL document. Legislators introduced this innovation from 01.07.2015. All blanks purchased without proper registration are illegal, and their purchase will be equated to participation in fraud and, as a result, will be punished under criminal law.

Features of the downloaded OSAGO forms

1. Availability of a seal - the usual "wet" stamp here will obviously not be here, you should not worry and run to the nearest branch of your insurance company for an assurance. The electronic policy you received will have an electronic seal, which you will receive together with the policy.
2. Is it suitable for insurance. Thanks to innovations in this area, insurance is quite legal even when issued via the Internet on the website of an officially operating insurer. After paying and entering all the necessary information and assigning a unique number to the document, it will automatically be entered into the all-Russian base of OSAGO insurance policies.
3. Benefits electronic policy:
   • To purchase this policy, you do not need to go to the office of the insurance company. You can apply from any part of the world where the Internet works, provided that you can transfer to the insurer's account an amount corresponding to the price of the policy.
   • Saving time and convenience also lies in the fact that you no longer need to search for the right insurance agents with the policies you need, everything is feasible through the Internet.
   • An application for a policy is filled out in a comfortable environment for you, without participating in queues for them.
   • You do not need to spend cash on the policy, but use your electronic money.
   • You will be spared the obsession of the insurance agent who wants to sell you some additional product.

Important! It is possible to issue an electronic insurance policy only if you have previously issued a policy with this insurer, but in paper form.

To register it you will need:

• personal identification and vehicle owner,
• technical passport for transport,
• documents confirming the right to drive vehicles of all drivers allowed to transport,
• a document on the passage of a vehicle technical inspection.

Important! These data must be entered into the informational Internet space of the Union of Russian Auto Insurers.

Important points of electronic OSAGO policies:

• inaccuracy in the information you provide will invalidate your policy,
• an individual's application for a policy must be certified with a standard electronic visa, and a legal entity must be certified,
• the electronic signature is equal to the signature put in your own hand,
• an individual must indicate his SNILS number in the application - it will be your signature of the electronic plan.
• The paid electronic policy will be sent to your email address, with a reinforced plan and advanced qualification visa, after it has been entered into a special information system.

Is it paid for the service of downloading the CTP form?

The legal option automatically implies that this procedure is paid for. After all, initially you must pay the policy to the insurer and only after receiving it to your e-mail box. And from there, download it or print it.

The situation is similar with fake policies, because this is a business, albeit not legal, but clearly with a goal of making a profit.

How to protect yourself from scammers

A scammer may be waiting for you when buying a paper policy or an electronic one. Both have smart schemes to mislead you. But if you meet the following requirements, your purchase is safe:

1. Do not draw up a document of such a plan "on the road" even if you are in a great hurry, and in general you have no time. Here you cannot show indifference in the transaction, otherwise the consequences will not please you. Ideally, visit the office of the insurance company for its registration.
2. Avoid buying e-policies from brokerage or agency sites.
3. A paper plan policy must be issued only on the official website of the insurer, with its subsequent delivery.
4. The situation is similar and with electronic document format.
5. Cheap cheese only in a mousetrap well, or in a fake document

Interesting! 2 out of 100 insurances are always fake (data from expert bureaus).

Often, the desire to save money leads to sad consequences in the form of obtaining a fictitious document. There are those who do it deliberately, arguing that they rarely check.

Both the first and second options always end badly - fines, and deprivation of discounts when buying normal insurance. There will be no savings, only expenses and worries.

Recommended! Take the design of this document with utmost seriousness. And before issuing an electronic document, carefully read the memo on how to do this in order to avoid mistakes that will make your insurance invalid.

On the submission of the transport insurance bureau, dated August 29, 2011, was approved new sample policy form, which is mandatory for owners of land vehicles.

Dear reader! Our articles talk about typical ways of solving legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

It's fast and free!

The form for filling out the forms was changed in connection with the introduction on September 19, 2011 of the Law "On Amendments to Certain Legislative Acts on Road Traffic Accidents and Payment of Indemnity" dated February 17, 2011 No. 3045-VI and changes in the very conditions for insurance.

What does the policy look like

A policy is a form printed on greenish paper with special watermarks, produced by Goznak. It must bear the stamp of the company with which the contract is concluded. Form insurance policy OSAGO is served when checking the traffic police. Such a document has its own unique number, with which you can check the validity period of such a policy in the PCA or its validity.

It is imperative to check the form for counterfeiting. You also need to be very careful and serious, because if there is some mistake in it, it will be considered invalid.

On the CTP insurance policy there are also reddish blotches of villi, as well as on paper bills (100 and 500 rubles). On the reverse side, a white metal strip is printed, the width of which is two millimeters.

It contains the following fields for filling:

• the term of the contract (from the beginning to the end);
• the insurance period during the use of the vehicle;
• full name of the legal or civil person of the insured;
• full name of the legal or civil person of the owner of the vehicle;
• make, model, identification number and state registration plate of the vehicle;
• type, series and number of the vehicle passport;
• in respect of whom the contract is concluded (surname, name, patronymic and driver's license number);
• the sum insured is described;
• information about the insured event;
• insurance premium;
• special marks;
• the date of the conclusion of the contract and the signatures of the parties.

When filling out, it is imperative to check the correctness of the entered data so that later you do not have problems with the traffic police. You also need the agent to make a copy of the policy. And there must be no corrections in it, otherwise it is not considered valid. In addition, from July 1, 2013, the policy is issued on new forms with a changed series.

Insurance lines are always unchanged, it is one year. The period of use is indicated in a specific line, which must be filled in.

There is also a certain nuance: the less the driver uses his car, the less the cost of the insurance policy itself will be for him. This is very beneficial for those drivers who do not use their car all year round, but for example, in certain months. Also, it is beneficial for those who want to sell their car in the near future.

For those who are forced to constantly travel on various business trips, and during this he uses his vehicle, there is also a benefit.

Where can I download

It is very easy to buy the policy itself, you just need to go to the office of the insurance company. Or download the OSAGO insurance form on the official websites of the companies. This method will save you a lot of problems.

After all, a policy is necessary for every driver in order to receive legal payments. On special sites there is a program that was created in order to fill out forms of CTP policies. There is a special database of templates, where special printed forms are formed for printing on letterheads, as well as applications and receipts. For its operation, you need the presence of the MS Visual FoxPro 9 libraries, you can also work on the Internet.

But you need to check if this form is a fake. After all, if you present an invalid form, you can get a fine.

How can download

What can you use the downloaded policy form for?

The downloaded OSAGO form is used by insurance companies and insurance agents... Who work with various companies. With the help of such a policy, you can perform any registration actions in the traffic police. Also, you can show the traffic police officer as a regular CTP form and operate the car.

It is very beneficial to use an electronic policy, as it saves a lot of money, which is usually spent on document circulation. But you need to be very careful not to become a victim of fraudsters, associating with an incorrect calculation of the tariff or creating a policy with a different number.

Also, such a policy cannot be lost or damaged. The only drawback is the dumping of the insurer at the expense of the commission. You can use the policy in the same way as a regular insurance policy.

Those drivers who drive a vehicle without having an OSAGO policy with them can receive a fine, and traffic police officers can detain such people.

An OSAGO insurance policy should be in everyone who owns land vehicles. After all, the presence of such a document will simplify many tasks. Also, having an insurance policy will save you from problems with traffic police officers.

We are opening a new section "Useful" for everyone who already works in the insurance industry, who is still studying or wants to independently understand the principles of an insurance manager, the correct calculation of the cost of an insurance policy, its execution, what is worth paying attention to, and so on.

Today we will tell you about a universal template for filling out the EEE series OSAGO policy.

CTP template EEE series

The template form is presented in the WORD file, universal for all types of CTP forms of the EEE series.

You can get a file with a template for filling out OSAGO - now only on a paid basis.

The cost of the template for filling out the OSAGO policy \u003d 200 rubles.

NEW! A new template for OSAGO has appeared (Forms of OSAGO pink) \u003d 500 rubles. 1. To get the CMTPL template, you need to make a payment to the Sberbank card 4276 3800 4450 3766
2. In the "Message for transfer" field, indicate your e-mail, where to send the "Template for filling out OSAGO"
3. If you have any questions write to us by mail [email protected]website
4. Applications are processed from 10-00 to 19-00 (Moscow time)

What you should pay attention to

First of all, pay your attention to the correctness of filling out the CTP policy template, there are rules here.

How to fill out a CTP policy correctly

• Time and date of commencement of the contract: the current time and contract validity period is 1 year minus one day always. Example: Insurance period from 00 h. 00 min. 01/15/2015 24 hours 00 min. 01/14/2016

• Vehicle use period: if the insurance period is one year, you can copy the data specified above of the compulsory motor third party liability insurance contract.

• Insured: We indicate the one who buys, for example Ivanov Ivan Ivanovich

• Vehicle owner: We indicate the owner of the car. The policyholder and the owner can be either the same person or different.

• The vehicle is used with a trailer: you can specify or skip this step.

• Vehicle brand, model, vehicle identification number and state mark: we write as indicated in the documents for the car in the registration certificate or passport of the technical device.

• Purpose of use: in 90% of cases, "personal" is put, in the rest we choose the most suitable option for ourselves.

• Approved drivers for driving: everything is simple, we write the full name of the drivers and their series and driver's license number. If there is no limitation on the number of drivers, then we put dashes everywhere.

• Insurance premium: we calculate the correct cost of the policy for and first write the cost in numbers, then write the cost in parentheses in writing.

• Special notes: do not write anything.

• Date of conclusion of the contract: set the current date of signing the contract

• Policy Issue Date: coincides with the date of the conclusion of the contract.

Here we have gone over all the points cTP policy EEE series, learned how to fill out the contract correctly. That's all, if you have any questions, leave them in the comments, we will gladly answer all your questions.

Looking for a reliable insurance company? It is quick and convenient to issue a car insurance policy at AlfaStrakhovanie. You
you can buy OSAGO online via the Internet or in one of our offices.

• The online MTPL insurance extension service is available for all MTPL customers in all regions.

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

Filling out the CTP policy of the EEE series.

The template form is presented in the WORD file, universal for all types of CTP forms of the EEE series.

You can get a file with a template for filling out OSAGO - now only on a paid basis.

1. To receive a template for OSAGO, you need to make a payment to a Sberbank card 4276 3800 4450 37662. In the "Message for transfer" field, indicate your email address, where to send the "Template for filling out OSAGO" 3. If you have any questions write to us by mail [email protected] Applications are processed from 10-00 to 19-00 (Moscow time)

Can I use this form for insurance

You can use the CMTPL form for insurance. In order to receive the payment, you need to within thirty days from the date of submission of the notification of the arrival, the victim must submit an application in order to then receive the payment of insurance compensation.

A copy of the passport must be submitted to him, the document was damaged on the day of the accident.

Payment is made by bank transfer, the person who is responsible for the losses caused must be compensated for the amount of the losses themselves, but only if it is provided for by the insurance contract itself.

HOW IS THE COST OF THE OSAGO POLICY FORMED IN 2018?

To calculate the cost of OSAGO online, you need to follow a few simple steps.

The Central Bank of Russia sets the maximum and minimum value of the tariff for OSAGO.

The cost of a new CTP policy consists of the base rate and individual coefficients. (According to Direction
Bank of the Russian Federation No. 3384-U dated September 19, 2014, rev. of March 20, 2015) a tariff corridor is established, then
there are minimum and maximum values \u200b\u200bof the base rate of CTP.

Each insurance company determines its cost of the MTPL policy within the values \u200b\u200bestablished
The Central Bank Russia.

The cost of insurance will depend on the following parameters.

Power
car

Region
registration

For large and capital cities, the CTP policy will cost more. After all, using a car in such
In a metropolis like Moscow, you run a greater risk of an accident than on a country road.

Therefore, in the capital of Russia the regional k \u003d 2.0, and for the Moscow region - already 1.7.

Age
and driver experience

Accidents
in the past

The state encourages careful drivers: a profitable system operates with the careful operation of the vehicle
discounts - 5% for each year of accident-free driving. The maximum discount cannot exceed 50% for 10 years.

Number
drivers allowed to drive

The price of the policy depends on the number of drivers specified in it. For an unlimited list of entered drivers
coefficient k \u003d 1.8 is applied.

If the list is limited, then all drivers allowed to drive
by car, must be indicated in the OSAGO policy. If the list of drivers is limited, k \u003d 1 is applied.

Additional materials on the topic: MTPL form.

AlfaStrakhovanie offices

Please note that your life is not insured under the OSAGO agreement.
Just for you, we have developed an accident insurance product - "DopZashchita".
More details about the terms can be found here.

What documents will be needed

For the correct execution of any form, it is necessary to prepare several documents that each vehicle owner has at hand.

You will need:

• personal passport;
• a document for a car confirming ownership;
• driver's license;
• received compulsory insurance contract.

It should be borne in mind that the insurer may request all the listed documents in the original. When receiving information online, you will need to take high-quality photographs of documents and send them to the insurer to the specified email address.

• Application for the conclusion of an agreement in the prescribed form.
• Certificate of state registration of a legal entity (for legal entities) or an identity document (for
  individuals).
• Vehicle documents (passport, registration certificate, STS, technical coupon).
• Certificates of drivers admitted to driving the vehicle (if it is prescribed in the OSAGO policy).
• Diagnostic card, MOT or state technical inspection coupon (according to the Federal Law of the Russian Federation No. 170 of January 1, 2012
  of the year).

Checking the form against the PCA base

It's no secret that insurers often lose forms strict accountability... If the manager has lost a document of strict reporting, then it is necessary to immediately write a statement addressed to the manager, in which indicate the document number and for what reasons it disappeared. Then an application is submitted to the police and the PCA.

To account for the so-called "losses", a special section has been created on the PCA portal. To get the data, just visit the section "CTP: Invalid Policies" and download the database in an Excel file. You can check the future form by searching. As a rule, such a check takes no more than 5 minutes.

If the number of the future policy is not in the list, then you can sign and pay.

DSAGO (ADVANCED OSAGO)

• Unlike OSAGO, your policy voluntary insurance has no civil liability
  limited amount of payments established by law. You yourself have the right to choose the limit for your policy
  DSAGO.
• DSAGO will help to expand the limit of liability for car insurance under OSAGO, it covers damage,
  inflicted on the property, life and health of third parties (including pedestrians) injured in an accident over the limit
  payments for OSAGO.
• The cost and coverage of DSAGO are determined individually.

Check the policy form in the office

To check the completed document, you should contact the insurance company, having on hand a full package of documents (passport and insurance). At the same time, it is important to understand that only the policyholder or another person will be able to obtain information, provided that there is a notarized power of attorney.

In addition to the passport and the policy, you must fill out an application in which you ask for a detailed report on the issued form. The request will need to indicate:

• the name of the insurance company and the name of the manager;
• personal data and contact details;
• insurance received number: series and number.

A large number of counterfeit CTP policies have caused a global change in appearance.

First of all, we improved the degree of protection of the document against forgery. New CTP forms have a different appearance, a system was developed for their gradual introduction into circulation.

Updated policy design

The large turnover of compulsory auto insurance forms has led to the appearance of fakes. In addition, this was influenced by the increase in the cost of OSAGO in 2019.Therefore, to protect consumers and insurance companies, a sample of a new policy was developed, the presentation of which took place in January 2019.

The appearance of the new letterhead has changed radically. Motorists should familiarize themselves with it in advance to avoid possible fakes. But according to experts, they will appear on the market no earlier than in 1.5 years.

This is due to the high degree of protection of the policy, expressed in the following factors:

• Changing the hue from green to multicolor. To a greater extent, pink colors prevail, turning into yellow and lilac.
• New graphic signs in free areas. They have a multifaceted shape and complicate the process of counterfeiting. There may be several colors on their surface.
• Complicating the form of watermarks. They have become of two types - the stylistic image of the car and the PC logo.
• Metallized thread, on the surface of which there are the inscriptions "Polis" and "RSA". It runs to the left of the form.

To increase the informative component, a field for applying a QR code has been added.

Additionally, it is planned to enter data from OSAGO into the policy - KBM, the place of registration of the document, the name and address of the insurance company. But the timing of these innovations is still unknown.

Benefits of introducing a replacement

But is it worth spending extra money and time on new forms of compulsory auto insurance? Their introduction is not a standard replacement and was completed as soon as possible. The main catalyst for this was a large volume of fakes, the volume of which, according to some sources, was about 4% of the total number of policies.

In addition to this fact, the following advantages of the new forms of OSAGO can be distinguished:

• Increase in volume useful information... It is at the initial stage, in the future it is planned to expand the data entry fields, add new ones.
• Increasing citizens' confidence in the compulsory car insurance system. Dealerships were partly in the business of selling counterfeit forms. The introduction of new ones made it possible to reduce this flow to almost zero.
• Control of document flow is increased. The volume of new completed forms is relatively small. Therefore, PCA can track each of them.

An increase in the cost of the policy by 15% did not affect the increase in the price of OSAGO. The insurance companies must compensate this difference on their own, taking into account the minimum "margin" of 20%. But there are suspicions that this will increase the pressure on potential customers to purchase additional auto insurance services.

The most popular will be the CTP extension. In the case of an intrusive service or a mandatory purchase of additional services, you can file a complaint with the PCA or the Central Bank. But it is recommended to do this only after trying to coordinate the issue directly with the insurance company. There is always an alternative - it will not be a problem to find and issue MTPL from another insurer.

The procedure for walking a new sample of the CTP form

The first stage of the introduction of new forms of MTPL took place in July 2019. Large insurance companies received a sufficient amount of documents to start the process. One of the distinctive features is the preservation of the EEE series, which will allow you to track the circulation of both new and old forms in the future.

To integrate the changes evenly, the following actions were taken:

• From October 1, 2019, there will be no possibility of issuing OSAGO on old forms. Their remainder will have to be handed over for further disposal.
• Old but valid policies have the same legal effect as new ones. This is necessary to reduce the flow of people who want to replace a document with a valid car insurance.
• The form of the electronic policy remained unchanged. Do new form in this case, there is no need, since after receipt it is printed, and the action is checked directly against the PCA database.

A maximum of a year after October 01, 2019, all old policies will be automatic and gradually replaced with new ones. Already by the current results of the innovation, it can be noted that there is no confusion or speculation on the part of dealers of insurance companies. This is due to the professional approach on the part of the controlling structures and the main principle of the company - a minimum burden on car owners and insurance companies.

Do I need to change my policy

After the announcement of the new sample form, there were a lot of questions about the order of their circulation. Most of it was solved during the preparation stage. At the moment, the main thing remains, what forms are being issued now and is it necessary to change old documents for new ones?

The time of circulation of old-style documents has already ended. Therefore, the client must require the registration of a new one when concluding an OSAGO agreement from November 1, 2019. At the same time, there is no need to replace the old ones, which began before this date. But if you wish, you can, by prior arrangement, come to the office of the insurance company, write a statement and instead of the old policy, a new one will be issued completely free of charge.

However, there may be situations when you will have to replace the policy in any case:

• Loss of letterhead. You should immediately contact your insurance company, since the loss is equivalent to the absence of OSAGO. After providing a standard set of documents, a new one will be issued. Most likely you will have to pay a fine.
• Partial or complete damage to the document. It is determined by the ability to read the information located in the fields of the CTP policy. If this cannot be done, follow the procedure described above.
• You can restore your compulsory auto insurance confirmation email yourself. To do this, it is enough to print out the document and present it to the traffic police at their first request.

Recently, the ability to check data on auto insurance by the traffic police was introduced. But formally, the driver must show the original or a copy (for an electronic form). If there are none, a road service representative may issue a fine in the amount of 800 rubles... In the future, it can be challenged in court. But it will take a lot of time and money.

Besides knowledge about new form of the MTPL policy, the driver must correctly go through the entire procedure for issuing compulsory car insurance. Even a small mistake in the document can lead to refusal of compensation payment. The filling out of the paper version is carried out by the representative of the insurer, but based on information from the application of the insured.

In order to avoid errors in the new OSAGO policy, it is recommended to do the following:

• Read the sample application (). You can download it on the website of the insurance company or PCA. In the latter case, the document represents the optimal form, on the basis of which the insurers form their application forms.
• After completing the application, check all the information again. It is important to correctly indicate the type of OSAGO (with or without limitation), data about the car, the place of its registration, the period of the policy.
• Having paid for the service and having received the document in your hands, you should check the data again. Additionally, it is recommended to check the fact of entering information about the contract on the PCA database. An alternative is to use independent resources. But their updates are relatively rare, which affects the relevance of information.
• If necessary, order a certified copy of the issued OSAGO policy. This can be useful when creating documents for other needs. At the same time, having the original will be able to drive a car.

Replacement question ready-made form, in which there is incorrect information, is solved separately in each case.

If it was a mistake of an employee of the insurance company, they are obliged to reissue the document without additional payment. If there is inaccurate information in the application, the price of the new form may be added to the final cost of OSAGO.

After payment and registration of auto insurance, a company representative must provide an information booklet with the addresses and contact details of the organization's representative offices in Russia. Offensive statements are also issued insured event - road accident notifications. We recommend that you familiarize yourself with the rules for filling them out in advance.

How to issue OSAGO: electronic or paper version

The presence of a new type of paper CTP policy will protect the market for these services from counterfeiting only for a while. In the future, fake documents will appear that are in no way inferior in quality to the original. The repetition of the situation is explained by the high profit from the sale of counterfeit forms. As a result, not only part of car owners will suffer, but also insurance companies.

An alternative would be to issue an electronic analogue of a paper policy. From January 1, 2019, this can be done at any insurance organization. This decision was announced in August 2019.

Electronic OSAGO has the following advantages:

• The time for issuing compulsory car insurance is reduced. The procedure is performed remotely, without visiting the office of the insurance company. In 2019, there are restrictions on the possibility of issuing only when the old contract is renewed with the same insurer. It is not known whether they will act in 2019.
• There is no need to have the original of the new CTP policy. After completing all the procedures, a completed form is sent to the insured person's email box, which must be printed out later. It can be shown to traffic police officers.
• There will be no problems with the restoration of the lost policy. You can always print the received form, the data about which are stored in the PCA database.

The gradual transition to an electronic remote procedure for obtaining auto insurance will significantly reduce the risk for all parties. But at the same time, the information must be checked by the insured. Careless handling increases the likelihood of an error, which will be problematic to correct later.

The new CMTPL form in combination with the promotion of electronic auto insurance should have a positive effect on the safety of registration and use of insurance. It is important that the owner of the car does not have a desire to save money on registration, and he himself does not initiate the purchase of a fake policy.

Facebook

Twitter

In contact with

Classmates

Google+