Since 2016, new car insurance rules have been in effect - Code of Administrative Offenses article 37. It is expected that concluding an agreement with an insurance company will become easier if you use the instructions of the Central Bank of Russia No. 36448-U dated May 24, 2015. The document provides rules on how to issue an electronic MTPL policy.

We remind you that the owner of the vehicle is allowed to drive without having compulsory motor insurance for 10 calendar days.

During this time you need to:

• pass a technical inspection;
• get a diagnostic card;
• register the car with the traffic police;
• get auto insurance from RSA.

The MTPL policy has expired, but it has not been renewed - big problems are possible, not only in the form of a fine. In case of an accident, the losses are paid by the person at fault if his vehicle is not insured. Apply today new document can you quickly electronically. A driver's lack of time or money is not a valid reason for not getting insurance.

General terms and conditions of insurance

So what you need to know:

• the owner of the vehicle has the right to choose any company from the RSA list;
• the policyholder must submit documents: personal and for the vehicle;
• the insurer is allowed to inspect the vehicle;
• the inspection location is selected by mutual agreement of the driver and the insurer;
• persons who must be included in the insurance are indicated;
• the term of the contract is specified;
• the amount and procedure for payment of the insurance premium and compensation for losses are determined;
• the procedure for making changes to the insurance policy is reported.

The cost of insurance can be reduced if the vehicle is not used in winter.

It is allowed to insure a car before registering it with the traffic police. After registration, you must provide new data to the insurer - 3 days are given for this.

The driver has two options to purchase compulsory motor insurance:

• on a form issued by the insurer;
• via the Internet, as an electronic document.

The insurance begins to operate immediately if payment is made in the form of cash deposit to the company cashier, the next day, by wire transfer.

Introduced from July 2016 single sample electronic insurance document- the form that Gosznak is currently producing. Old forms will be replaced with new ones in all regions of the Russian Federation.

What documents are needed

It is allowed to draw up a car insurance contract at a company from the RSA list that has a sample insurance certificate and compulsory motor liability insurance forms. If the car owner comes to get the policy for the first time, he must provide information about the car:

• technical inspection card;
• information about registration.

You must provide personal documents:

• the driver for whom the insurance is issued;
• documents of drivers who are allowed to drive a car.

The form in which the documents will be accepted is decided by the company employees and the vehicle owner.

Acceptable options are electronic and paper (copies).

When a contract is concluded with the previous insurer, or a replacement of the previous certificate is needed, you do not have to submit the documents that were previously used to obtain insurance. The insurer is obliged to check the accuracy of all documents using an electronic database and only if the verification is successful is it allowed to conclude an agreement. If other drivers need to be included in the certificate, their documents are submitted to the insurer for verification.

The contract is concluded - 2 forms of notification of an accident and a list of representatives of the insurer are issued. You need to get information about them: address, phone numbers, opening hours.

New operating procedures for insurance companies

It will take a little time for the insurance company to obtain insurance if the driver has prepared all the documents necessary for concluding the contract and has decided who should be included in the insurance documents.

Car insurers have switched to new order issuance of compulsory motor liability insurance using information base Traffic police RSA employees can now obtain information about any vehicle in in electronic format, check under what conditions the contract was concluded. Positive information has been received - the cost of insurance services will be optimal for the policyholder. If the insurance policy is used by a driver who has traffic violations, then RSA allows insurers to issue insurance in a simplified form, when losses to the policyholder are not fully compensated. Insurance payments are calculated according to special program. The car owner is allowed to control it.

When advancing insured event, first compensation is paid for damage to life and health, then property losses are paid.

We apply via the Internet

The right to obtain insurance electronically has been granted to car owners since October 2015. The policyholder selects an insurance company, and opens on the insurer’s official website Personal Area driver. The access code can be received by email or mobile phone.

Further communication between the policyholder and the insurer takes place in the same way as during a personal meeting, but only online. The document numbers are provided, the application is filled out, and the cost of insurance is calculated using the calculator located on the website. Previously, the submitted application required entering the SNILS number. Now they don’t require you to make an entry about SNILS.

The information is checked by the insurers' AIS, then the contract is sent to the policyholder. You must enter your username and password as a signature. After paying for the contract, the details of the insurance certificate and the period until which you are allowed to use the policy are provided.

RSA is developing a program that allows you to quickly, using online mode, check the availability of compulsory motor liability insurance for any car owner. It is believed that this will reduce the number of accidents.

Features of filling out an electronic form

After it was allowed to receive MTPL insurance via the Internet, it turned out that the exact date from which the driver’s driving experience was calculated must be entered in the application form. At this point we need to pay attention Special attention, since when purchasing insurance in the form electronic document, driving experience is important. For a driver who has received a new driver’s license from the traffic police, the “Special notes” column contains only the year, for example, “experience since 2000.”

The RSA press center published an explanation - you can set the date to December 31st. This will not be considered an error and verification of information submitted via the Internet will be successful. The insurance policy will be calculated for the “age-experience” coefficient equal to 1, and the cost of insurance will not increase. Forms for other drivers who are allowed to use a car are filled out in the same way - you just need to check their personal data using the original documents.

Fines 2016

For driving a vehicle in the absence of compulsory motor liability insurance, various shapes penalties - warning, fine. The cost of the fine is from 500 to 80,000 rubles.

The smallest fine for a driver is 500 rubles for forgotten at home insurance. You have to pay the same amount for a driver who is not included in your car insurance. For the decision to travel during the period stipulated by the contract- punishment is also 500 rubles. The RSA employees forgot to renew the insurance - you have to pay 800 rubles.

If it is discovered that the policy is fake, the traffic police officers will not take long to figure it out. According to the law, a fine of up to 80,000 rubles is imposed. If they suspect the driver and decide that he made it fake policy, then the culprit faces six months of arrest under the Criminal Code of the Russian Federation. According to statistics greatest number counterfeits are found among documents executed electronically. Since 2016, the punishment of prohibiting the operation of a car has not been used.

After verification, the electronic policy is sent to the applicant’s email address. After printing it, the document can be presented during verification by photographing it on a smartphone or tablet.

Advantages of the project and its identified disadvantages

The main advantage of electronic registration of compulsory motor liability insurance in 2017 is simplicity of registration and convenience. You only need to have access to the Internet and data about the car entered into the table. Similar service especially convenient for residents remote regions, where insurance company offices are located at a great distance. It was also important that when issuing an electronic policy, it is impossible to impose additional services often offered by insurers. The convenience of storing an electronic document in electronic or paper form is also undeniable.

However, in electronic registration impossible to register for new car, since the design insurance policy provides for the entry of registration marks. In the process of filling out an application for an insurance policy, care is required, since typos and errors in the document make it invalid. Another drawback is that not all traffic police officers have devices that check the authenticity of the policy, which is why a conflict situation may arise on the spot.

Difficulties using the electronic system

In the event of an accident, misunderstandings may arise among those involved, since it will be difficult to verify the authenticity of insurance. It will be necessary to call traffic police officers to the scene. Insurance companies, in turn, also note that there is no unified system, which checks the data entered by users, hence the risk of the system being used by fraudsters. The government has promised to eliminate all shortcomings of the new insurance registration system as soon as possible. A unified database and algorithm for checking information entered into the system will be created. Between themselves Insurance companies will regulate interaction for data exchange in the event of a car owner transfer between insurance companies.

Newly issued electronic policies will be entered into a unified accounting system and will undergo improvements and authentication tools. The introduction of an electronic insurance system will not only simplify the procedure for issuing policies, but also make it more accessible to all motorists.

Apply for an electronic OSAGO policy 2017

To register electronic MTPL, fill out a special online form. The registration procedure consists of several simple steps:

1. Do the calculation. To buy OSAGO online, fill out the calculator form. Enter information about the vehicle, its owner and all authorized drivers. Information must be entered in strict accordance with the documents.


2. Wait for the data to be verified. Specified information will be sent for a quick online check using the RSA database. After its successful completion, you will be able to continue purchasing car insurance.


3. Pay for insurance. If you are satisfied with the cost of the policy, make payment using any of the proposed methods. After the funds are credited, the electronic MTPL insurance policy will be sent to your e-mail in *pdf format.


4. Get a policy. Print the received document on A4 sheet and always take it with you. Additionally, you can save a file with electronic MTPL insurance on your smartphone. At the request of traffic police officers, you must present a paper printout of the policy.

Those wishing to issue an electronic MTPL policy on the website will need:

1. Passport of the car owner and the policyholder (if they are different people).


2. Car passport (PTS) and car state registration certificate (STS).


3. Driver's licenses of all persons who are allowed to drive.


4. Diagnostic card vehicle(with the exception of provided for by law cases where provision diagnostic card not required).

Payment for the electronic MTPL policy is carried out using standard payment systems presented on the website:

1. bank cards (VISA, MasterCard);
2. Internet bank "AlfaClick".

Important! If you decide to buy and pay for insurance online, do not use the AlfaStrakhovanie current account. In this case, the payment for the electronic MTPL policy will not be counted and the contract will not be concluded.

The term for the new insurance contract must begin no later than 60 days after the date of purchase of the new insurance online. Renewals can be made before your existing policy lapses. By deciding to buy an electronic OSAGO policy online in advance, you will eliminate the possibility of interruptions during which you could get into an accident.

According to the terms of car insurance, for each year of break-even driving, the driver receives a KBM discount of 5%. Moreover, it can be summed up over several accident-free years of insurance in a row (but not more than 50% over 10 years). Upon conclusion of the contract compulsory insurance auto liability discount is determined upon request in automated system RSA.

From July 1, 2015, citizens received alternative way concluding an insurance contract. It is now possible to issue a policy directly from home. Now car owners can insure their liability at any time of the day or night via a computer and the Internet, without wasting precious time and nerves in line at the offices of insurance companies. It is worth understanding what the main attractiveness of the new service is, what disadvantages it has, and how convenient it is.

Electronic OSAGO policy

OSAGO policy electronic sample is an absolute analogue of a regular paper policy and with equal legal force. Such insurance can be presented with confidence wherever it may be required. The registration procedure can be carried out directly on the Internet without the participation of intermediaries. Now motorists have the right to choose: depending on the convenience for each individual, an insurance policy can be purchased either online or by personally meeting with an insurance agent in his office.

Electronic motor third party liability insurance involves entering into a specialized database the basic information contained in the insurance contract. The corresponding entry must be mandatory contained in the above database. Only its presence can guarantee the provision of insurance services.

After a citizen has completed the registration and payment procedure on the website of the relevant insurance company, he receives the policy to his email inbox. You must print this document yourself. Sometimes it is advised to sign it in a special column by the personally insured person, but this is not a prerequisite. Without a signature, the MTPL policy does not lose its legal force. The online registration service provides for an enhanced, qualified digital signature. It is with this that the insurance company seals the document electronically.

Where else can you sign up for an electronic insurance contract? Government services, or rather their official website, provide such an opportunity.

The electronic version in no way affects the cost of the policy itself. On the contrary, the commission fee that the insurance company charges when concluding a contract in person will not have to be paid when applying online.

The procedure for online registration of an MTPL policy

Registration of an electronic policy is a fairly new procedure, and therefore frightening for some car owners, who often do not know where to start. However, the procedure is very simple, and the filling algorithm is intuitive. So, to get electronic auto insurance online, you need to:

• Go to the website of the insurance company you have chosen that provides this service.
• Fill out the application form, in which you must indicate such data as full name, existing driving experience, number of Horse power your car, its body type, email address to which the policy should be sent, and so on.
• This form of agreement must be signed. If insurance carries out individual, then the signature is simple electronic, and for this it is possible to use an individual SNILS numbers. If electronic auto insurance provides entity, then you must have a qualified digital signature.
• Wait for a response from the system. The cost of the policy will be calculated based on the data that was entered into the form, a request will be made to single base for data verification. The insurance company reserves the right to request additional information if required to complete the contract conclusion procedure.
• Pay for the insurance policy in any way convenient for you. As a rule, insurance companies provide a wide range of payment methods: for example, when electronic insurance At Ingosstrakh, payment can be made via bank card, electronic payment systems or others.
• Check your email and save the received insurance policy. The policy itself then needs to be printed, since the rules traffic provide for the driver to have a paper copy.

When filling out the form on the website, you should be extremely careful, since the presence of various types of errors or typos can lead to trouble.

Reasons for non-payment of insurance compensation

Inaccuracies in filling out may result in non-payment of insurance compensation. Often, insurers deliberately increase the waiting period for insurance payment, citing trivial typos made when drawing up the contract. Unfortunately, an error can also be interpreted as providing incorrect information, and this entails completely different problems.

Electronic policy - right or obligation?

Another important point, which should be taken into account when applying for an electronic MTPL policy, is that this procedure represents a right, but not an obligation. The driver can, at his own discretion, choose the method of obtaining an insurance policy - by filling out the contract online or by personally signing it at the office of the insurance company.

By the way, on the websites of insurance companies there is an opportunity preliminary calculation the cost of insurance using a special calculator. This will allow you to choose the most appropriate option before concluding an insurance contract.

The right to conclude an electronic insurance contract

It is important to note that the right to conclude an insurance contract in electronic form Only the insurance companies themselves have access to compulsory motor liability insurance. That is, neither agents nor intermediaries are endowed with such rights.

After the policyholder has drawn up a contract and received the policy by email, he is automatically included in the AIS of compulsory insurance. This procedure will greatly facilitate possible manipulations with the policy in the future. By the way, what is important to know for those drivers who decide to get an MTPL policy online is that a car inspection is not required.

For most Russian drivers, purchasing MTPL car insurance was associated with a procedure that required a huge loss of personal time and the emergence of some negative aspects. The need to make a choice among many insurers offering similar conditions often baffled car owners. A trip to the point of sale of an insurance company and communication with clerks did not add to the health of the policyholder. With the advent of the opportunity to buy an electronic policy on a website, many negative aspects are a thing of the past. This type insurance became publicly available in mid-summer 2015. Electronic document management has significantly simplified communication between the insurance company and the driver and has made it possible to reduce the time for obtaining car insurance to a minimum. But purchasing an electronic version of an MTPL insurance policy has two restrictions - data about the policyholder must be available in the RSA database, and the insurer must be present in the region where the car insurance is issued.

How to issue an electronic MTPL insurance policy using our online service

A specialized online service makes it possible to purchase an MTPL policy from leading insurers, spending a minimum amount of personal time and avoiding stressful situations. Having located in a convenient place where it is possible to connect to the network, the car owner himself carries out the calculation and purchase of car insurance. The convenient and intuitive interface of the online service allows you to carry out all the actions even for a person unfamiliar with working on a computer. In the process of filling out the calculator form and the online application, the system prompts the sequence of all actions.

Using a virtual calculator, a motorist calculates insurance premium. To do this, he enters information about the vehicle’s engine power and information about his own driving experience. In the case where several drivers will drive the vehicle, their age and driving experience will have to be indicated. The calculator performs calculations using correction factors, including KBM. It must be indicated in case of accident-free driving in previous period OSAGO. Basic tariff will depend on the strategic business policy of the insurer.

Having calculated the amount of the insurance premium, the car owner can begin the process of obtaining car insurance. You do not need to provide any documents - you just need to register on our resource.

The online application will require the following documents:

1. Personal passport of a Russian citizen of a car owner
2. Vehicle registration certificate or passport
3. Driver's licenses of other citizens allowed to drive the insured vehicle
4. Maintenance certificate

All information is checked against the database Russian Union Auto insurers. Next, you need to pay for car insurance. This can only be done through bank transfer, which can create certain difficulties for drivers who do not have plastic card. In the future, insurers plan to accept online payments in other ways.

The completed MTPL is sent to the email address specified during registration. The insurance document will be sent within one hour from the moment the money is received in the insurer's account. The printed policy must be taken with you and presented, if necessary, for verification with the rest of the driving documents to the traffic police inspector. The online service automatically transfers information about the purchased electronic policy to the RSA database. Car inspectors have direct access to it, and checking the authenticity of car insurance will not take much time. The traffic police officer enters the policy number and instantly receives all the information.

Electronic insurance with our help is a complete benefit for the motorist

Over the entire period of operation of our online service, thousands of motorists have purchased an electronic MTPL policy.

All car owners who contacted our company were able to appreciate the benefits of electronic car insurance:

1. On our resource you can quickly compare dozens of offers from Russian auto insurance leaders and choose a company that is present in the insured’s region and offers the most favorable conditions
2. The online service completely eliminates the possibility of purchasing a fake insurance document. Our company is a partner only of trusted insurance organizations. You can verify the authenticity of your policy by checking it in the RSA database.
3. Low probability of missing OSAGO forms in stock
4. No imposition of unreasonable additional services. The online service operates without the participation of agents and brokers, who are “famous” for trying to sell unnecessary insurance services
5. All actions for issuing an electronic policy are performed automatically around the clock. If necessary, you can get detailed advice from our employees online

The cost of an electronic MTPL policy does not differ from the price of car insurance issued on Gosznak form. Every owner of auto and motorcycle transport will be able to buy an electronic insurance policy website using our online service on the most better conditions and gain absolute confidence on Russian highways.