If you are already a client of Rosgosstrakh, have access to your personal account and want to renew your MTPL policy, you need to go through 5 simple steps:

1. Login to .
2. Go to the OSAGO online calculator - all the necessary data will already be filled in.
3. Get the cost of renewal.
4. Pay for compulsory motor liability insurance on the website with a bank card.
5. Receive the file and accompanying documents by email.

It is better to renew OSAGO before the expiration of the current policy, so that there are no interruptions in insurance. According to the Directive Central Bank RF No. 4723-U, At least 3 days must pass between the date of application and the start of the contract. For example, if new policy should be valid from September 24, then it must be issued no later than September 20.

According to the legislation in force in 2017, you can renew your car insurance policy no earlier than 2 months (60 days) before the expiration of the previous MTPL.

We remind you that there is a fine for expired insurance and for driving without compulsory motor liability insurance.

The authenticity of the MTPL policy can be checked on the website of the RSA (Russian Union of Insurers).

For registration insurance policy you will need the following documents:

1. Passport of the policyholder and the owner of the car.
2. Vehicle Registration Certificate (VRC).
3. Vehicle Passport (PVC).
4. Driver's licenses of all authorized drivers.
5. A valid diagnostic card for the car, if the car has undergone technical inspection in accordance with the legislation of the Russian Federation.

Data from all documents is required to accurately calculate the KBM through an automated information system RSA.

You can pay for your policy safely by bank transfer Visa card, MasterCard, Maestro and national payment card"World".

Before paying, make sure that the 3DS service is activated on your card to protect payments on the Internet. If you receive SMS codes to confirm online purchases, it means that 3D Secure is activated on your card. The principle and conditions for activating the service can be clarified with your issuing bank.

If you have a new vehicle or are applying for compulsory motor liability insurance for the first time in your life, it means that your data is not yet in the RSA system. Since everyone needs to pass this check to obtain a policy, the procedure for you will be as follows:

1. You need to fill out all the steps of the calculator, in Step 4 confirm the correctness of the completed data and click the “Next” button.
2. After an unsuccessful PCA verification, you will see in the same window a form for sending copies of your documents for verification. Make scanned copies or clear photographs of all specified documents, add them to the form and click the “Send documents for verification” button.
3. Within 20 minutes you will receive an email with the results of the verification and a special link for calculation and payment. Log in to your personal account, follow the link and pay for the policy.
   Important! The date of payment should not coincide with the start date of the policy, so if the policy is needed tomorrow, then it must be paid today.

According to the tariff, for each year of accident-free driving, the discount on compulsory motor liability insurance increases by 5%.

Electronic MTPL is the original of your policy.

1. Print the electronic policy file on a printer and carry it with you in the car.
2. The printed policy does NOT need to be certified with a seal or signature in the office!
3. It does not need to be exchanged for a paper policy in the office.

Instead of a stamp and signature, electronic MTPL is certified by an electronic signature, which comes along with the policy to your email. The signature file (sgn) does not need to be opened or printed, it is simply stored with you. Additional Information the signature information is in the cover letter that comes with the policy.

You will find answers to other questions about MTPL (including electronic MTPL and policy price) in the Questions and Answers section.

You can also ask your question or describe the problem in detail using the form.

What to do, if...

I have problems with my password

If you don't receive A temporary password or it is not suitable, check the Spam folder in your email or try again later.

If you can't install permanent password, make sure that it contains at least 6 characters, must be in Latin, must contain lowercase and uppercase letters, as well as numbers.

Make sure that when entering your Personal Account you select the correct type: if you represent entity, then above the email and password entry field you need to check the box “Check if you are a legal entity.”

The number and series of your vehicle’s passport are indicated both in the PTS itself and in the vehicle registration certificate (VRC):

The notification was received because the data you entered about the drivers, car, owner does not completely match the data contained in the PCA system.

1. Make sure you fill it out correctly all data insurance applications (check typos, dates, addresses).
2. If all the necessary conditions for obtaining insurance are met, but you still see the notification “Confirmation has not been received from centralized PCA systems,” use the special form under the calculation and attach scanned copies (clear photographs) of documents confirming the information you entered. The data will be checked by an employee of PJSC IC Rosgosstrakh within 20 minutes, and you will be able to issue an agreement on the website on the same day.

The presence of a valid DC is checked automatically based on the entered information about the vehicle.

If you have a diagnostic card, but the error still appears, use the special Personal Account form and attach a scanned copy of the current diagnostic card. After verification, you can draw up an agreement on the website.

If you are worried about traffic police checks, then in this case, together with the policy, we will send an email with links to legislation in the field of electronic compulsory motor liability insurance. Just show it to the police officer.

22.03.17 98 561 0

From home, without queues and overpayments

The future has arrived.

Previously, to apply for compulsory motor liability insurance, you had to go to the office of the insurance company and issue a paper policy. From January 1, 2017, the government obligated insurers to sell compulsory motor liability insurance via the Internet. The new electronic policy is called e-OSAGO, and it completely replaces the paper one. It’s more convenient with an electronic one, but there is also a risk.

Evgeniy Popkov

motorist

In this article we will figure out how to buy e-OSAGO correctly, not fall for scammers and not overpay.

What is OSAGO

OSAGO is compulsory civil liability insurance for owners Vehicle. Put into effect Federal law No. 40-FZ of July 1, 2003 “On compulsory insurance of civil liability of vehicle owners.”

OSAGO protects victims of road accidents. The insurance company compensates for the damage that the culprit caused to other participants in the accident. Compensation is paid for damage to the life and health of victims, as well as for damage to property - most often this is damage to cars.

OSAGO in Russia is mandatory for all car owners.

Who sells e-OSAGO

OSAGO policies must be issued electronically by all insurance companies that have a license for compulsory civil liability insurance. If a company can sell OSAGO, it is obliged to sell its electronic version.

As of January 31, 2017, 70 companies in Russia have a license for OSAGO. All of them are required to sell e-OSAGO. The current register is published on the website of the Russian Union of Motor Insurers.

What documents are needed

To issue an electronic MTPL policy you will need standard documents:

Why do you need a diagnostic card? It confirms that the car has passed technical inspection and can be driven on the roads of the country.

You need to undergo an inspection and receive a diagnostic card from the OTO - technical inspection operator. You can view the register of accredited technical inspection operators on the RSA website.

How to apply for e-OSAGO

An electronic MTPL policy is issued on the insurance company’s website. It is best to access these sites from a single register published on the website autoins.ru: there links lead directly to the necessary sections of the insurers' websites.

Fraudsters fake insurance company websites to sell fake policies e-OSAGO. Fake sites completely copy appearance official websites of insurers and are located on domains very similar in name to the original ones.

To avoid landing on a fake site:

Register. To apply for e-OSAGO, you need to register on the insurer's website. When registering, you must provide your email address and mobile phone number.

If you are used to hiding your personal data on the Internet and indicate the wrong email and telephone number, you will not be able to register a personal account on the insurance company’s website. And without it you will not be able to issue e-OSAGO.

After you have confirmed your email address and phone number, you will have access to your personal account.

Information on the car, owner and drivers is stored in your personal account. Your e-OSAGO policy will also be there. If necessary, you can always download it from your personal account and print it.

Complete the application. The next step is to fill out an application for insurance in your personal account. You will need to provide the necessary information about the car, the owner and the drivers allowed to drive it.

Provide only reliable information. Enter the information strictly as specified in the documents: passport, driver’s license, PTS, vehicle registration certificate and diagnostic card.

All information that you provide in the application will be checked against the RSA database with what was indicated in the previous OSAGO policy. If the check reveals a discrepancy, you will not be able to calculate the cost of insurance and issue an e-OSAGO policy.

Here is an example of a completed application:

It is better to choose the make and model of the car from the catalog rather than typing it in by hand

A common mistake in the VIN is the letter O instead of 0 (zero)

If you have a limited list of drivers, then you need to provide information for each of them

Uncheck the boxes to disable options

Wait for the scan results. When you fill out the application, the insurance company will check the data you entered about the owner, car and drivers through the PCA database. This is necessary to find out the history of accidents that occurred due to your fault and to correctly determine the bonus-malus coefficient. Upon successful verification through the PCA database, the calculator will automatically calculate the cost of the OSAGO policy.

Bonus-malus ratio (BMR)

KBM is a coefficient that adjusts the cost of the MTPL policy depending on whether the driver had an accident due to his fault. If there were no accidents, a discount is given according to the KBM. If there were accidents, then a premium is established according to the KBM.

KBM is needed to encourage drivers to drive carefully.

If the check through the PCA database did not pass, you will need to provide scans of the documents to the insurance company:

1. Policyholder's passports - facing pages with photo and registration.
2. PTS or vehicle registration certificate.
3. Driver's licenses of all drivers who will be included in the policy.
4. Diagnostic card.

Some companies ask you to send copies by email, others offer to download them in your personal account on the website.

Verification of documents can take from 30 minutes to several days. After verification, the company will send you an e-MTPL cost estimate and a link to the policy payment page by email.

How much does e-OSAGO cost? The cost of an electronic MTPL policy does not differ from a policy issued in paper form. In both cases, companies use the same tariffs and adjustment factors established by law.

Some companies will aggressively offer options to the policy. You are not legally required to buy them. Refusal of options will not in any way affect the issuance of an e-OSAGO policy.

To refuse the imposed options, simply uncheck the required fields and continue completing the e-OSAGO registration process.

Payment

To pay for an e-OSAGO policy in your personal account, you go to a secure page. You can pay by credit card, or in some companies - by electronic money.

Before entering your card details, make sure the page is secure and there is a padlock in the address bar. Never enter payment information on sites that are not protected by a security protocol.

Result

After payment, you will receive an electronic MTPL policy in PDF format to the email address specified during registration. The policy is also saved in your personal account on the insurance company’s website, you can download it from there at any time.

The electronic MTPL policy must be printed and placed in the car. The rules require this traffic. Otherwise, you may be fined 500 rubles for driving a car without an MTPL policy.

What to show to the traffic police inspector

The traffic police inspector must check the fact that your liability is insured through a special resource in the IMTS network of the Ministry of Internal Affairs of Russia or the RSA service. To do this, you need the VIN number or registration plate of the car.

However, the inspector may still ask you to show a printed policy. Keep a printout in your glove compartment just in case. It is also useful to have a copy of the policy on your phone or tablet.

How to file an accident under the e-OSAGO policy

From the point of view of the law, the electronic MTPL policy is no different from the paper version. It has a number, a series, and it contains all necessary information to report an accident.

If you have e-OSAGO, but you have not printed out and do not take the policy with you, then to register an accident you will need access to your personal account on the insurance company’s website. Make sure you always have a smartphone or tablet with Internet access at hand.

How to check the validity of the policy

After you have issued and paid for an e-OSAGO policy, it is recommended to check its validity using the RSA database.

To check, go to the service page for viewing information about the MTPL agreement. Enter the vehicle VIN and registration plate. The result of a successful check is a report containing the policy number and company name.

If the policy data in the PCA database does not match yours or the verification did not pass at all, then most likely you were sold a fake policy. Contact the insurance company on whose behalf the policy was issued to you.

You most likely will not be able to get your money back for a fake policy. Write an application to the RSA with all the details of issuing a fake policy. By at least, this will help block the fraudulent site and save other motorists’ money.

And remember that you ride with fake policy it is forbidden. Therefore, first of all, take out a real OSAGO policy.

Remember

1. All insurance companies licensed for compulsory civil liability insurance are required to issue e-OSAGO.
2. To issue an electronic policy, a motorist needs to register in his personal account on the insurer’s website and fill out an application for insurance.
3. You can pay for e-OSAGO by credit card on the insurance company’s website.
4. The electronic policy must be printed and taken with you.
5. Check the authenticity of the site through the list on autoins.ru, and the authenticity of the policy - in the RSA service for checking information about the MTPL agreement.