I bring to your attention quotes from Federal Law No. 40-FZ “On Compulsory Motor Liability Insurance”, taking into account the amendments introduced by bill No. o 191229-6. I will quote only those parts of the law that concern electronic policy OSAGO and the process of purchasing insurance via the Internet. All amendments regarding compulsory motor liability insurance online will come into force on July 1, 2015. So:

Clause 1.1. supplemented with a second paragraph that allows the sale of compulsory motor liability insurance via the Internet in the form electronic document:

Agreement compulsory insurance can be concluded either by registration and delivery to the policyholder insurance policy compulsory insurance for on paper, and by drawing up and sending him a compulsory insurance policy in the form of an electronic document in the cases and in the manner provided for by these Rules

At the traffic police and other registration authorities, it will be enough to show a printout of the insurance from the Internet (clause 1.3.):

When committed in relation to vehicle registration actions fulfillment of its owner’s obligation to insure his civil liability confirmed by presenting a compulsory insurance policy to an employee of the registration authority or printed on paper information on the conclusion of a compulsory insurance contract in the form of an electronic document.

New clause 1.11 describes in detail what an “electronic document” (electronic policy) is and what is the procedure for its execution:

A compulsory insurance contract can be drawn up in the form of an electronic document.

In this case, the policyholder sends an application to the insurer to conclude a compulsory insurance agreement in electronic form using the official website of the insurer in the information and telecommunications network “Internet” (hereinafter referred to as the “Internet”).

Application for concluding a compulsory insurance contract in electronic form can sign simple electronic signature policyholder (author's comment: a simple electronic signature is understood as “a combination of login and password that confirms that an electronic message was sent by a specific person”; in practice, registration on the insurance company website and obtaining a login-password is used. ) an individual or an enhanced qualified electronic signature of the policyholder – legal entity according to requirements Federal Law dated April 6, 2011 N 63-FZ “On Electronic Signatures” (hereinafter referred to as the Federal Law “On Electronic Signatures”).

The list of information transmitted by the policyholder through the official website of the insurer on the Internet to form an application for concluding an insurance contract in electronic form includes information necessary to provide to the insurer when filling out an application for concluding a compulsory insurance contract on paper.

A compulsory insurance contract cannot be concluded in the form of an electronic document if there is a discrepancy between the information provided by the policyholder and the information contained in the automated compulsory insurance information system.

A compulsory insurance contract in the form of an electronic document is not concluded with owners of vehicles registered in foreign countries and temporarily used in the territory of Russian Federation.

During the day of receipt of funds at the insurer's cash desk (when paying the insurance premium in cash in cash), and in the case of payment by bank transfer - no later than the business day following the day of transfer of the insurance premium to the insurer's settlement account, the compulsory insurance policy in the form of an electronic document signed with an enhanced qualified electronic signature of the insurer in compliance with the requirements of the Federal Law “On Electronic Signature” ”, is sent to the policyholder.

Upon receipt from the policyholder of an application in electronic form, signed in accordance with the requirements of this paragraph of the Rules, about changing the information specified earlier in the application for concluding a compulsory insurance contract in electronic form, the policyholder is obliged to pay an additional insurance premium in proportion to the increase in the degree of risk, based on insurance rates for compulsory insurance, and the insurer - to make changes to the compulsory insurance policy (if the information about which the policyholder declares a change was previously reflected in the compulsory insurance policy). In this case, the insurer, no later than two business days from the date of occurrence of one of the events provided for in this paragraph, and if the changes in information reported by the policyholder do not require additional payment of the insurance premium - no later than two business days from the date the insurer receives the application for change of information , sends to the policyholder a reissued (new) compulsory insurance policy in the form of an electronic document, signed in the manner prescribed by this paragraph of the Rules. If the information, the change of which the policyholder declares, was not previously reflected in the compulsory insurance policy and does not require its reflection in the compulsory insurance policy, the policyholder, within the time limits provided for in this paragraph, is sent an electronic notification signed with an enhanced qualified electronic signature of the insurer in compliance with the requirements Federal Law “On Electronic Signature”, on the insurer’s recording of changed information.

In case the information, the change of which is declared by the policyholder, do not correspond to the information reflected in the information systems and (or) databases of the relevant government agencies , the insurer, no later than two working days from the date of receipt of the application for change of information, sends to the policyholder a notification about the impossibility of re-issuing a compulsory insurance policy in in electronic format.

That's all! These three points of the law should radically change (I hope, simplify!) the life of a simple car enthusiast. All subtle issues are described in more detail in the by-laws and other “attached” documents; I will publish them as information becomes available.

Added. On June 5, Government Decree No. 567 of June 2, 2015 “On Amendments to Decree of the Government of the Russian Federation of September 14, 2005 No. 567” was officially published. This document brings the procedure for the exchange of information between departments into conformity with the new law on compulsory motor liability insurance. Namely, the Ministry of Internal Affairs allows access to the AIS OSAGO database for checking “electronic policies” of OSAGO on the roads, and also gives the right of access to a unified policy database to tax authorities, the Ministry of Agriculture, the Ministry of Defense and customs officers. Apart from this, there is nothing interesting in the resolution, but I will give its full text (according to Rossiysa Gazeta) under the “cut”.

Government of the Russian Federation decides:

1. Approve the attached changes that are being made to the Decree of the Government of the Russian Federation of September 14, 2005 N 567 “On the exchange of information when implementing compulsory insurance of civil liability of vehicle owners” (Collected Legislation of the Russian Federation, 2005, N 38, Art. 3825; 2011, No. 36, Article 5148; 2013, No. 36, Article 4578).

Chairman of the Government of the Russian Federation

D. Medvedev

Amendments to the Decree of the Government of the Russian Federation dated September 14, 2005 N 567

1. Clause 2 should be stated as follows:

“2. Establish that the Ministry of Internal Affairs of the Russian Federation, the Ministry Agriculture of the Russian Federation, the Ministry of Defense of the Russian Federation, the Federal Customs Service and the Federal Tax Service carry out at the request of a non-profit organization “ Russian Union Auto Insurers” – the operator of an automated information system for compulsory civil liability insurance of vehicle owners, providing information for inclusion in the automated information system compulsory insurance of civil liability of vehicle owners (hereinafter referred to as the automated information system) by connecting to the specified system.

The specified federal executive authorities have the right to receive information from the automated information system, including upon requests.

Establish that the organizations connected to the automated information system, providing information for inclusion in the specified system, are the non-profit organization “Russian Union of Auto Insurers” - the operator of the automated information system and its members.

Information interaction between Central Bank of the Russian Federation and the operator of the automated information system is carried out on the basis of an agreement on information exchange between the Central Bank of the Russian Federation and the operator of the automated information system.”

2. In paragraph 2, the words “automated information system for compulsory civil liability insurance of vehicle owners” should be replaced with the words “automated information system”.

3. Add paragraphs 2 and 2 as follows:

“2. Interaction federal bodies executive power and organizations specified in paragraphs 2 and 4 of this resolution is carried out using unified system interdepartmental electronic interaction.

Access of authorized persons of federal executive authorities, their state information systems and organizations specified in paragraph 2 of this resolution to information contained in an automated information system, including personal data subject to provision in accordance with Article 30 of the Federal Law “On Mandatory insurance of civil liability of vehicle owners”, is carried out using the federal state information system “Unified system of identification and authentication in the infrastructure that ensures information and technological interaction of information systems used to provide state and municipal services in electronic form.”

2. The protection of personal data when processed in an automated information system is ensured in accordance with the legislation of the Russian Federation in the field of personal data.”

4. Add paragraph 4 with the following content:

"4. Since July 1, 2017, the Federal Migration Service, based on requests from the non-profit organization “Russian Union of Auto Insurers,” confirms information about the validity of identity documents of a citizen of the Russian Federation on the territory of the Russian Federation, and the registration of citizens of the Russian Federation at the place of residence and place of stay ( specified confirmation carried out in the form of “yes, no”).”

5. In the list of information generated and provided in mandatory government bodies, insurers and other organizations approved by the said resolution:

a) in section I:

in the name, replace the words “Russian Union of Auto Insurers” with the words “Russian Union of Auto Insurers”;

subparagraph “d” of paragraph 1 should be stated as follows:

“d) information about the license issued to the insurer:

date of issue (renewal);

date of cancellation (limitation of the validity period of the license or suspension of the license, revocation of the license);”;

paragraph 3 should be stated as follows:

“3. Information about policyholders:

and for individuals– last name, first name, patronymic (if available), date of birth;

b) for legal entities - name, main state registration number (OGRN) (if available), an identification number taxpayer (TIN).”;

paragraph 4, after the words “patronymic”, add the words “(if available), driver’s license number”;

paragraph 5 should be stated as follows:

"5. Information about insured events (when preparing documents about a traffic accident without the participation of police officers):

a) date insured event, time, place;

b) the number of victims in connection with damage to property (if any);

c) damaged vehicles:

state registration plate (if available);

identification number (VIN, if available) or serial number of the vehicle (frame);

d) the number of insured events, documents about which were drawn up without the participation of police officers.”;

subparagraph “d” of paragraph 7 should be stated as follows:

“d) identification number (VIN, if available), chassis number, frame number (if available), body number, trailer number (if available).”;

b) in section II:

paragraphs 1 and 2 should be stated as follows:

"1. Information about registered vehicles and their trailers:

a) type of vehicle;

b) state registration plate (if available);

c) vehicle passport:

date of issue;

e) model;

f) identification number (VIN, if available);

h) year of manufacture;

i) number of chassis, frame (if any);

j) number of the body, trailer (if any);

l) engine power (for passenger cars):

kilowatt;

Horse power;

m) permissible maximum weight (for trucks);

m) weight without load (for trucks);

o) diagnostic card number, expiration date;

o) date of passing the technical inspection.

2. Information about the owners of vehicles and trailers for them:

a) for individuals:

patronymic (if available);

Date of Birth;

place of birth (if available);

passport (series, number, date and place of issue);

b) for legal entities:

Name;

Taxpayer identification number (TIN) (if available).”;

in point 3:

in subparagraph “d”:

the second paragraph after the words “patronymic” should be supplemented with the words “(if available)”;

Paragraphs four and five should be stated as follows:

“date and place of birth (for the person who committed an administrative offense);

series, driver's license number (if the participant in the traffic accident is the driver of the vehicle);”;

paragraph six should be deleted;

add the following paragraph:

“places of greatest damage to the vehicle;”;

subparagraph “e” should be deleted;

Subparagraphs “e” – “i” shall be stated as follows:

“f) last name, first name, patronymic (if any) of the victims (for each), category of the victim (vehicle driver, vehicle passenger, pedestrian, other category) and the degree of harm (if any);

g) violated clause of the Rules traffic Russian Federation (for the person who committed the violation, if any);

h) part, article of the Code of the Russian Federation on Administrative Offences, establishing liability (for the person who committed the violation, if any);

i) the decision in the case of administrative offense(or a protocol on an administrative offense) or on refusal to initiate a case on an administrative offense (if any):

series (if available);

add subparagraphs “j” and “l” with the following content:

“j) examination for alcohol intoxication: yes, no (if available);

k) referral for a medical examination for intoxication: yes, no (if available).”;

add paragraph 4 with the following content:

"4. Information on issued driver's licenses:

a) series, number, date of issue;

c) last name, first name, patronymic (if available);

d) date of birth;

e) date of receipt of the right to drive vehicles of the corresponding category, subcategory (if any).”;

c) add Section VII with the following content:

“VII. Information about a legal entity provided to the operator of the automated information system for compulsory civil liability insurance of vehicle owners of the Federal Federal tax service from the One state register legal entities

Information about the legal entity:

a) full and abbreviated name;

b) main state registration number (OGRN);

c) taxpayer identification number (TIN);

d) address (location);

e) series and number of the certificate of state registration legal entity (if any).”

The law on the electronic insurance policy of OSAGO as such was not adopted; legislators in 2015 adopted only amendments to the already current law Federal Law No. 40 “On Compulsory Motor Liability Insurance”, as it is popularly called. It was thanks to these amendments that such an innovation as electronic insurance appeared. Some insurance companies echoed the new trends and voluntarily introduced an online registration service, while others ignored the possibility of remote registration for various reasons. However, already in January 2017, another amendments came into force - what interesting things did they bring?

The use of existing electronic MTPL policies is increasingly becoming part of everyday life, and the basis for this was laid back in 2015, fully regulating the procedure for its registration.

All data that is used when obtaining a document is based on information obtained in the unified RSA database, including information about previously concluded insurance, accidents that have occurred and payments for them, KBM, the driver and his vehicle.

The application is filled out directly on the car insurer’s website and certified with a simple electronic signature, in accordance with clause 7 of Art. 15. If we refer to Federal Law No. 63 of 2011 “On Electronic Signature”, this term is usually understood as a combination of a password and login to personal account, which confirm that the application was sent by this person. If insurance is issued for a car of a legal entity, then an enhanced electronic signature is required.

The policy, in accordance with the same paragraph 7., is concluded on the basis of the same information that is usually provided by the purchaser upon receipt of a paper policy. Sent by e-OSAGO immediately after non-cash or cash payment, and no later than 1 business day after payment. At the same time, the company employee must enter information into the RSA database.

Actions to reissue an electronic policy are also provided for in the law. In order to enter or change certain data, you will still need to send an online application to the insurer requesting changes to the document. If necessary (for example, when you need to register one more person), an additional payment is made at the established rates. Within 2 days, the company must either provide the policy with changes made to it, or notify the citizen that re-issuance is impossible for any reason.

New amendments

Starts working new law on compulsory car insurance, and the reason for this was the amendments that were made by Federal Law No. 214 back in June last year. The most important of them is the introduction of mandatory (that’s right!) electronic compulsory motor liability insurance. That is, now absolutely every licensed insurance company is required by law to provide the opportunity to issue a policy using the Internet. There should be a corresponding notice about this on the insurer's website. This obligation is specified in clause 7.2 of Art. 15 of the Law “On Compulsory Motor Liability Insurance”.

From the beginning of 2017, the instructions of the Central Bank of the Russian Federation, which also relate to e-MTPL, will come into force. They reduce the likelihood of minor fraud by auto insurance companies. The fact is that many vehicle owners have noticed that companies use various technical tricks (long technical work, etc.) in order not to provide remote policy issuance services. That's it engineering works should be carried out at night, and a corresponding notification must appear on the website one day before, and interruptions in the operation of the portal should not exceed 30 minutes per day.

If, due to technical problems, it is impossible to obtain insurance, the car owner will be asked to go to the website of another company.

Who will be denied e-OSAGO?

Anyone can receive an electronic MTPL policy, but the law, as usual, also provides a list of persons who are deprived of the opportunity to receive it. This includes:

1. Owners of new vehicles purchased from a showroom. If the car did not have previous owners and was not registered, then it will not be possible to obtain insurance remotely.
2. If a driver who has only recently received a driver’s license starts applying for an online policy, he will be refused. The thing is that there is no data about the person in the RSA database, therefore, it will not be possible to verify their authenticity.

In the cases listed above, there is only one way - to visit the insurance company in person and purchase compulsory motor liability insurance yourself by submitting Required documents. And already on next year, when the document expires and you need to renew it, you can do it via the Internet.

Persons who provide information that is untrue or intentionally distorted will also be refused to enter into a compulsory car insurance contract. This type of insurance is not intended for owners of cars registered in a foreign country and temporarily located in Russia, since there is no data about such persons in the database. This means that in such a case, registration is possible only after a personal visit.

Questions about e-OSAGO

Despite the fact that the possibility of obtaining compulsory motor liability insurance in electronic form was introduced back in 2015, many questions still arise about this, and they mainly concern how exactly such insurance works and whether it is legitimate.

It’s worth saying right away that electronic OSAGO has no differences from paper OSAGO, even the price remains the same. It begins to operate immediately upon receipt by the policyholder. A copy of the paper is sent to the specified email, but it continues to be stored in your personal account on the insurer’s website. If paper policy more usual, you can always order it by mail, paying the shipping costs, and a few days later the form strict reporting will arrive at the specified address.

Another important question is what to show the traffic police inspector when he stops a vehicle to check documents. In clause 7.2 of Art. 15 it is said that received electronically the document is equivalent to a paper document. This means that you can simply print it out in order to present it both when checking documents and during registration actions at the MREO. The fact is that now traffic police departments and inspectors have a dedicated channel for checking the authenticity of compulsory motor liability insurance in the RSA database, therefore the presence of a strict reporting form is not a mandatory fact.

A compulsory motor third party liability insurance policy is required for all drivers living in the Russian Federation.

Having a valid MTPL agreement is mandatory for all car owners, since driving a vehicle without a policy is prohibited and is punishable by penalties.

Since July 2015, any citizen of the Russian Federation has the opportunity to submit an application for renewal of the current MTPL policy via the Internet, and since the fall of the same year - to draw up new contracts without visiting the insurer’s office.

You can issue a new electronic OSAGO auto insurance contract remotely - just visit the official website of the insurance company.

Is it valid, for whom and how does it work?

Despite the fact that such a document differs from a paper policy that has protective marks, the electronic OSAGO policy is valid and enforceable, just like a regular paper copy of the contract. Since 2017, all insurance companies licensed to issue auto insurance policies are required to create for their clients all the conditions for drawing up electronic contracts.

Important! According to the government decree, since January 2017, an insurance company licensed to enter into a motor vehicle liability contract has no right to refuse a client to issue an electronic policy.

Therefore, both for traffic police officers and for any other government agencies, the e-MTPL policy has legal force, and no one has the right to refuse to accept a printed document due to the lack of a paper copy of the agreement.

Advantages and disadvantages

The main advantage of an electronic document is its ease of execution, because to conclude such a car insurance contract, you only need access to the Internet and data about the insured car.

The second advantage is saving time. To apply for a policy, you do not have to visit the office of the insurance company and waste time on the road, especially if the car owner lives in remote region countries and the nearest insurer's office is located at a great distance.

Another advantage of remote policy issuance is the ability to choose Additional services at your own discretion and avoid imposition of any options by the insurance agent. The disadvantages of e-OSAGO include the possibility of making mistakes when filling out data about the car and the driver, since even the slightest mistake can cause a refusal or delay in the payment of insurance compensation.

Another disadvantage: if a car owner insures his car for the first time auto liability or is insured new car– to conclude an MTPL contract, you will have to personally visit the insurer’s office, since information about the driver must be entered into the RSA database.

Another significant drawback: inability to register an accident using the Europrotocol, since without a traffic police officer it is difficult to check whether those involved in the incident actually have insurance.

You can find out more about the pros and cons of electronic MTPL.

Registration procedure

Registration on the insurance company website

To remotely renew an existing MTPL auto insurance contract or conclude a new one, you must visit the official website of the insurance company and register on it. After registration, the car owner will have access to a personal account where all information about him and his vehicle is stored.

In addition to the registration data, a copy of the electronic policy is saved in your personal account after receipt; if necessary, it can be printed at any time.

You can find out more about which insurance companies can apply for electronic MTPL.

Filling out the application

After gaining access to the personal account, the car owner needs to indicate current data about the car, personal information of the owner and information about drivers allowed to drive the vehicle. The following documents will be required when filling out the form::

• car owner's passport;
• driver's license;
• vehicle passport and certificate of registration;
• diagnostic card with the results of passing the technical inspection (you can find out more about whether you need to undergo a technical inspection for electronic compulsory motor liability insurance).

If the entered data does not coincide with those specified in the previous MTPL policy, then calculating the cost of insurance and further execution of the contract becomes impossible.

To learn more about how to correctly fill out the form to apply for a policy online, watch the video:

Payment and receipt of the document

After successfully passing the verification, the program automatically goes to a secure page for payment. can be produced with bank card , some companies offer to pay for insurance with electronic money.

After successful payment, an electronic policy in PDF format (?) is sent to the mailing address specified when registering on the site. After receiving the policy by mail, you must print it out. You can find out more about why you need to print it and how to do it.

Operating principles

The principle of operation of an electronic document is no different from a regular paper policy: just like a regular policy, it contains all the necessary data for registering an accident. The procedure for registering an incident has not changed: traffic police officers are called to the scene of an accident to fill out the necessary documents.

If the car owner does not have a printed policy, to register an accident, you will need access to your personal account on the insurance company’s website, where there is a copy of the contract.

Possible problems during use

Difficulty in using e-MTPL may arise if you are involved in an accident, because even with minor damage to the car it will be difficult to apply the European protocol, since only a traffic police officer can check the authenticity of the electronic version of the policy through single base RSA.

Therefore, if you get into a traffic accident, in any case you will have to contact the traffic police.

Another difficulty: you cannot make amendments to an electronic document if errors or shortcomings are discovered after receiving it (we talked about how to correct an error). Thus, it will not be possible to change any personal data of the car owner or add/remove a driver from the list of persons allowed to drive a vehicle - to do this you will have to visit the branch of the insurance company. You can find out more about making changes to the electronic policy.

Fines

Reference! By law, the traffic police inspector has the right to check whether the driver has a valid MTPL policy, regardless of what policy the car owner has: electronic or paper.

When using e-OSAGO, the inspector verifies its authenticity using special resources and for this he will need the VIN number or registration plate of the vehicle. In any case, the traffic police officer may ask to see a printed copy of the contract, so when you receive the policy by mail, you must print it out.

According to clause 7.2 of article 15 of Federal Law No. 40 the inspector cannot issue a fine for using an electronic policy, even if he has no way to verify the authenticity of the document via the Internet. However, if there is no policy at all or its validity period has expired, the inspector has the right to issue a fine of 800 rubles.

All traffic police officers were informed that car owners who use an electronic document instead of a regular policy cannot be held accountable. has the same legal force as a regular paper contract, and such a policy can be issued remotely in just a few minutes.

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Having received all the required information, the system will automatically request the CBM assigned to you from RSA and calculate the cost of compulsory motor liability insurance. After which you can start making payments.

Does the electronic OSAGO policy have the same legal force as the original?

Let's answer this question - of course yes. Any institution of the Russian Federation does not have the right to refuse to accept you electronic OSAGO policy, since there is no difference between a printed copy of an electronic document and a paper original. All of them have equal legal force. But in order to speed up the procedure for determining the legitimacy of the policy, it is recommended to always have a printout of the document with you.

When meeting with the traffic police crew, the inspector may ask you to clarify the license plate number and VIN of the car. To check authenticity insurance document, employees use a special service in the IMTS of the Ministry of Internal Affairs of Russia or the official website of the RSA. The actions of traffic police inspectors in such a situation are regulated by internal letter of the State Traffic Safety Inspectorate No. 13/12-u-4440 dated July 3, 2015 to regional inspectorates and traffic police departments. This document states that if there is information about the acquisition electronic OSAGO policy It is worth excluding the possibility of prosecution in accordance with the 2nd part of Article 12.3 of the Code of Administrative Offenses of the Russian Federation.

In accordance with official data received from RSA, currently registration services electronic MTPL policies provided by fifteen insurance companies. The most popular of them are Rosgosstrakh, AlfaStrakhovanie, VSK, RESO-Garantiya, Energogarant, Liberty Insurance. But it should be taken into account that choosing an insurer is not so easy. How to do this correctly, read the article

On July 1, 2015, changes made to the law “On compulsory civil liability insurance of vehicle owners” come into force. From this date, drivers have the opportunity to issue an electronic MTPL policy.

Documents for concluding an MTPL agreement online

Article 15 adds the following to paragraph 4:

In case of concluding a compulsory insurance contract in the form of an electronic document, provision by the policyholder of the documents specified in subparagraphs “b” - “f” of paragraph 3 of this article, not required. Insurers gain access to information contained in these documents by exchanging information electronically with relevant authorities and organizations

The amendment eliminates the need to provide all documents except the application.

To apply for compulsory motor liability insurance online, only an application is required

Clause 3 of Article 15. Documents for concluding an MTPL agreement at the office and representative office of the insurance company:

3. To conclude a compulsory insurance contract, the policyholder submits the following documents to the insurer:

• a) application for concluding a compulsory insurance contract;
• b) passport or other identification document (if the policyholder is an individual);
• c) certificate of state registration of a legal entity (if the policyholder is a legal entity);
• d) a vehicle registration document issued by the body that registers the vehicle (vehicle passport, vehicle registration certificate, technical passport or technical coupon or similar documents);
• e) a driver’s license or a copy of the driver’s license of a person authorized to drive a vehicle (if a compulsory insurance contract is concluded on the condition that only certain persons are allowed to drive a vehicle);
• f) diagnostic card containing information about the compliance of the vehicle mandatory requirements safety of vehicles (except for cases where, in accordance with the legislation in the field of technical inspection of vehicles, the vehicle is not subject to technical inspection or its implementation is not required, or the procedure and frequency of technical inspection are established by the Government of the Russian Federation, or the frequency of technical inspection of such a vehicle funds is six months, as well as in cases provided for in paragraph 3 of Article 10 of this Federal Law).

To conclude an agreement to receive an electronic OSAGO policy online, only an application in electronic form is required

A fine for lack of compulsory motor insurance is the most harmless thing that can happen. In practice, there are cases when apartments had to be exchanged in order to pay for an accident.
The likelihood of getting into an accident only increases with the number of cars. OSAGO is not something worth saving on.
Queues in offices and the imposition of “extras” are already a thing of the past. You can receive or renew your policy within 15-20 minutes by simply filling out the form below. All that remains is to choose insurance company with the best price offer.

Get an MTPL policy online

The following amendment, which comes into force on July 1, 2015, determines the type of document issued by the insurer

If a compulsory insurance contract is concluded in the form of an electronic document, the policyholder is sent an insurance policy in the form of an electronic document.

The electronic OSAGO policy is the first experience of using an electronic document for a driver. The driver will need to print this document and, if necessary, give it to the police.

Features when using an electronic document

An electronic signature has equal force as on paper

The features are described in the new clause of the law on compulsory motor liability insurance

7.2. A compulsory insurance contract can be drawn up in the form of an electronic document, taking into account the specifics established by this Federal Law.

The creation and submission by the policyholder to the insurer of an application for concluding a compulsory insurance contract in the form of an electronic document is carried out using the official website of the insurer on the Internet information and telecommunications network. In this case, the specified official website of the insurer can be used as an information system that ensures the exchange of information in electronic form between the policyholder, the insurer, which is the operator of this information system, and the professional association of insurers, which is the operator of the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law. The list of information provided by the policyholder using the official website of the insurer on the Internet information and telecommunications network when creating an application for concluding a compulsory insurance contract in the form of an electronic document is determined by the rules of compulsory insurance.

Access to the official website of the insurer on the Internet information and telecommunications network to perform the actions provided for in this paragraph can be carried out using a unified identification and authentication system. An insurance contract cannot be concluded in the form of an electronic document if the information provided by the policyholder does not correspond to the information contained in the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law.

When carrying out compulsory insurance, an application for concluding a compulsory insurance contract in electronic form, sent to the insurer and signed with a simple electronic signature of the policyholder - an individual or an enhanced qualified electronic signature of the policyholder - a legal entity in accordance with the requirements of Federal Law of April 6, 2011 N 63-FZ “ “On Electronic Signature” is recognized as an electronic document equivalent to a paper document signed with a handwritten signature. For the purposes of concluding a compulsory insurance contract in the form of an electronic document, a message by the policyholder in the application for concluding a compulsory insurance contract insurance number of his individual personal account is equivalent to an application signed with a simple electronic signature of the policyholder.

After the policyholder pays the insurance premium under the compulsory insurance contract, the insurer sends to the policyholder an insurance policy created using the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law, in the form of an electronic document signed with an enhanced qualified electronic signature of the insurer in compliance with the requirements of the Federal Law dated April 6, 2011 N 63-FZ “On Electronic Signatures”. Simultaneously with sending the insurance policy to the policyholder in the form of an electronic document, the insurer enters information about the conclusion of a compulsory insurance agreement into the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law.

The policyholder's SNILS is equivalent to a simple electronic signature

• An application for an electronic OSAGO policy is completed online on the official website of the insurer, which in turn can be used as an information system;
• The contract will not be concluded if the policyholder provides false information;
• The application from individuals is signed with a simple electronic signature, from legal entities with a reinforced qualified electronic signature;
• A document signed with an electronic signature is equivalent to a document signed with a handwritten signature on paper;
• In order to obtain an electronic OSAGO policy online SNILS number the policyholder is equivalent to a simple electronic signature, that is, for individuals it is enough to indicate this number to fill out an application;
• After payment, the insurer sends the MTPL policy to the policyholder in the form of an electronic document signed with an enhanced qualified electronic signature and enters the data into the automated compulsory insurance information system.

Problems

An electronic document is certainly very convenient and mobile. There are no restrictions on choosing an insurance company in your region. However, the MTPL policy is a document that police officers are authorized to check; in addition, in addition to confirming insurance, it confirms the passage of a technical inspection. Currently, traffic police officers are not able to “check” the authenticity of the MTPL policy and the only confirmation for them is the original seal of the policyholder on paper. It is possible that amendments to the law will come into force on July 1, 2015, and technical implementation will drag on indefinitely.

For example, such a situation occurred with the introduction of driver license categories. Categories were introduced, but there were no training programs for these categories for a long time.