MTPL electronic policy - how to get it and where it is profitable to buy electronic MTPL insurance online: TOP-8 insurance companies + 5 advantages of electronic MTPL

Good afternoon, dear readers of the Rich Pro financial magazine! Today we will talk about the electronic insurance policy: how to arrange it online and where to buy e-insurance for compulsory motor third-party liability insurance on favorable terms.

From this article you will learn:

• What is e-insurance for compulsory motor liability insurance and what are its distinguishing features, advantages and disadvantages;
• How to arrange e-CTP;
• How not to fall into the hands of scammers when buying electronic insurance online.

In it, the reader will also find answers to the most popular questions related to online insurance.

This service is of interest to all owners and drivers of vehicles. Simplicity and ease of design can attract the attention of even the largest skeptics of the introduction of automated systems.

How to apply for an MTPL insurance policy is profitable, fast, just read it now!

About what is electronic CTP and what is it for, how to buy insurance online and where to get an electronic CTP insurance policy - we will tell in this issue

1. Electronic CTP - features, pros and cons

All citizens of the Russian Federation who have vehicles are required to have an insurance policy. Driving without compulsory insurance threatens to be fined from 500 to 800 rubles(check the relevance of the fine additionally). The policy should always be stored next to the rights and documents for the vehicle.

Important! Even during a short trip, unforeseen circumstances may occur, the CTP policy will protect the driver from serious problems.

Car liability insurance means protecting the property interests of car owners from the risk of harm to the health, life and property of third parties when using a vehicle. The insurance policy is valid in the Russian Federation.

For example: The owner of a Lada car drove into a Mercedes car. The owner of an expensive car does not need to worry about the lack of funds from the culprit of the accident. Car repair will be reimbursed by OSAGO insurance of the owner of the Lada.

Insurance companies that are entitled to compulsory vehicle insurance must be licensed. Draws up insurance or owner or driver auto. Since 2017 all insurance companies are required to provide electronic policies at the request of customers.

You can read full information about OSAGO insurance in the article "How to calculate the cost and where to buy and what is OSAGO insurance policy".

Since April 2017 new rules for the payment of compensation by insurance companies begin to apply. Specific conditions have been established for the provision of monetary compensation or payment for the repair of injured vehicles.

Monetary compensation is paid only in case of complete destruction of the car, in the case when the amount of compensation more than 400 thousand rubles., the death of the victim or his disability of the first or second group.

Repairs can only be carried out by companies recommended by the insurance company.

The law establishes the minimum warranty period for repair work - 6 monthsThe repair period is 1 month. The insurance company is responsible for the quality of the repair and the timing of its implementation.

For two years now, car owners have been given the opportunity to purchase an insurance policy via the Internet.

At the same time, there are two ways to register an insurance policy:

• Standard - written out on a standard form, sent by mail. A paper policy can be bought online. About online insurance, we wrote a separate issue.
• Electronic - e-CTP, it is sent to the customer’s email.

The pole number is registered in the electronic databases of the Ministry of Internal Affairs and in the database of the Russian Union of Auto Insurers. The insurance company must be an officially registered member of the RSA. This reduces the likelihood of fakes and fraud.

We also wrote about car insurance and how much car insurance is in a separate article here.

The development of electronic document management makes the CMTPL electronic policy popular not only in large cities of Russia, but also in distant provinces. If before car owners in small settlements preferred an e-policy on standard forms, now you can often see a policy issued via the Internet.

Experts predicted that in a few years electronic policies will completely replace standard forms.

Advantages of (+) electronic policies

Consider the positive aspects of the design of e-policies:

• No need to waste time visiting the insurance company, standing in lines, you can take out insurance at home or at work;
• The safety of the document is ensured; it cannot be "forgotten at home", accidentally thrown away or torn;
• Registration can be done around the clock;
• The presence of electronic calculators allows you to calculate the amount of insurance.

Electronic insurance is certified by an electronic signature sent with the Policy.

Good to know: For the distribution of services, many insurance companies provide customers with an electronic policy, bonuses and benefits. In addition, customers save on paying commissions to insurance agents.

Disadvantages (-) of CTP insurance policies

In addition to the advantages, there are also negative points in the use of electronic poles:

• The client himself enters data on the car and drivers, incorrect information can lead to the impossibility of making a transaction.
• SAR databases may also contain inaccurate data, which will not allow you to issue an electronic policy.
• The need to verify the policy by the traffic police on the databases, which takes time.

Despite the presence of negative aspects, the electronic pole design service remains in demand and promising. This is confirmed by statistics: for the 4th quarter of 2017, twice as many e-CTPs were issued than for the same period last year.

Tips and tricks for buying e-insurance CTP insurance online

2. How to choose a company when buying e-insurance CTP - TOP-8 tips from experts

Since 2017 of the year The sale of the MTPL insurance policy is compulsory by all accredited insurance companies. They are obliged to ensure the uninterrupted and continuous operation of official sites. Technical breaks on sites in total terms should not be more than 4 hours per month.

Important! If the site does not work, the client is automatically redirected to another insurance company. Responsibility and control over the implementation of Government orders are vested in the CBR and RSA.

Companies can accept applications for e-mail and send insurance to customers or install special services for issuing electronic policies.

The scheme for obtaining an electronic insurance policy:

• Choosing an insurance company.
• Registration in your account.
• Using the online calculator, the insurance amount is calculated.
• The client transfers the amount of payment to the account of the insurance company.
• The policy and accompanying documents are sent to the email address.

All information falls into the PCA database, where it is checked, and changes are made to purchase insurance.

We described in more detail about the design of the policy in the section below.

The main point in deciding to use this service is the choice of an insurance company. You need to find a reliable, solvent company.

So, experts when choosing an insurer recommend paying attention to the following points.

1) Verification of the eligibility of the company (availability of licenses, etc.)

All insurance companies are required to have a license to carry out their activities. Official organizations are in the register on the official portal of ROSSTRAKHNADZOR. In addition, a copy of the license must be present on the official website of the company.

Choosing is a company registered in the Russian Federation. Otherwise, you can be left without a policy and money.

2) Assessment of the financial stability of the company

The higher the financial stability of a company, the more solvent and reliable it is. This means that there will be no problems with the payment of damage.

The main indicators of a company's success are the amount of authorized capital and reserve funds.

For example, with the established minimum threshold for the authorized capital for insurance companies of 30 million rubles, the authorized capital of ROSGOSSTRAKH is 18.5 billion rubles, SOGAZ 25 billion rubles, INGOSSTRAKH 17.5 billion rubles.

3) Comparison of the company's equity, net profit, premiums and payments

These criteria are important indicators of the company. They are located on the public websites of agencies, which are decisive for the rating.

4) Payout Analysis

The stability of the company depends on the indicator of the level of payments. Information on the number of premiums received and the amounts paid is available on the official websites of companies and on portals of agencies involved in analyzing organizations.

5) Number of customers

The presence of a large number of customers indicates the success of the company, the quality of fulfillment of obligations.

6) Company Reliability

To assess the degree of reliability, insurance companies are assigned a "Reliability Rating". It is assigned by rating agencies. Today, the most popular agency is Expert RA. The highest level of reliability is considered class A ++, very high A +, high A.

7) Company reviews

Studying reviews helps to make a choice in terms of customer service, speed of payment, reasons for refusals. It’s good when there is an opportunity to hear reviews from real people (acquaintances, friends) who have already encountered insurance companies.

Important analyze both good and negative reviews on thematic forums, their presence and quantity. Even a subjective opinion can help make a choice in favor of a company.

8) Brand popularity

The success of the company is confirmed by its big name.

Step-by-step instruction: how to quickly issue an electronic insurance policy

3. How to apply online for CTP insurance in 7 steps - step-by-step registration of e-CTP

Consider the procedure for issuing e-MTPL step by step:

Step 1. Choosing an insurance company

You need to choose a company and go to its official website in the section "To issue an electronic insurance policy."

Step 2. Login to your account

Login to your account is possible only for registered users. Some companies have the opportunity to go to the "insurance" website through the portal of public services.

Step 3. Registration on the site

The registration process is simple: the system offers to fill out a questionnaire, which indicates contact details, a mobile phone number, it is necessary to confirm the identification code. After entering the received confirmation code, the client gains access to the closed department of the platform.

Step 4. Filling out applications

Fill in all forms and applications for registration. The site has online application forms that contain information about the owner of the car, its characteristics, drivers. The client is responsible for the accuracy and completeness of the information provided.

To obtain insurance, the following documents are required:

• Policyholder passport
• The rights of drivers who will drive the vehicle during the life of the insurance;
• Vehicle registration certificate;
• Vehicle Registration Certificate;
• Diagnostic card.
• Old CTP insurance (if applicable).

In addition, you need an e-mail, where the package of documents will be sent, and a bank card to pay for insurance.

Any citizen who has reached the age of 18 and has a driver's license is entitled to take out insurance.

Step 5. SAR test

The insurance company checks the questionnaire through the PCA. The database contains information about previously issued insurance policies, the presence of accidents, and other information that affects the calculation of the coefficient that determines the cost of insurance.

Step 6. Payment of the policy

Verification takes several minutes, after that, the client is invited to pay. Payment is made by credit card.

All the necessary documents come to the policyholder’s email address, their duplicate will be available in the personal account on the insurance company’s website.

Step 7. Print a policy

The policy is printed, it must be in the vehicle. If desired, it is possible to order a policy on a standard form, it will be sent by mail. Payment for delivery is at the expense of the insured.

Good to know: Each traffic police inspector must have access to the databases of the Ministry of Internal Affairs of the Russian Federation, in order to be able to verify the policy, regardless of how it is issued.

4. Where to buy the CTP insurance policy - TOP-8 insurance companies from which you can take out insurance online

To receive quality services, you must choose a reliable insurer.

According to agency ratings ("Expert", etc.), the most successful insurance companies in the Russian Federation are:

1) Company "Rosgosstrakh"

The company has been operating for more than 20 years, is the assignee of the GOSSTRAKH of the RSFSR. A blocking stake is held by the state. Market share 26 %.

In the company it is possible to insure any transport in the presence of inspection. There are no increasing coefficients for the experience and age of car drivers. Payout failure ratio 3.4%.

The company guarantees the availability, convenience and reliability of the services provided.

2) Insurance group "SOGAZ"

Has been working in the financial market since 1993. It is one of the largest Russian insurance companies. It occupies a leading position in car insurance. Market share 4,6 %.

SOGAZ e-insurance for compulsory motor third-party liability insurance provides insurance coverage to the car owner in the event of an accident caused by his fault and guarantees coverage of costs to third parties. Payout rejection ratio 6.6%.

The insurance group occupies one of the leading places in the car insurance market.

3) Group "Alfa insurance"

The company has been operating in the financial market for over 20 years, has the highest A ++ reliability rating, has more than 250 representative offices in various cities of Russia, and has about 25 million customers.

It takes 4 place among the largest insurers of the Russian Federation, with a market share 5,8 %. The company "Alfastrakhovanie" is one of the first to start producing e-CTP insurance. Reliability and stability of the company guarantees the design of electronic insurance quickly and efficiently.

An insurance policy can be bought around the clock.Payout rejection rate 2.2%.

4) Ingosstrakh

The company has been operating in the financial market for over 60 years. Rating A ++. Market share 10,7 %.

Engaged in various types of insurance, has a high percentage of payments. The team consists of professionals who are able to provide timely assistance and advice.

When applying for e-Casco, accompanying insurance programs are offered.

Payout failure ratio 3.8%.

5) Tinkoff Insurance JSC

A young and very promising company that is successfully developing and occupying one of the leading places in the insurance market.

He is heading for the introduction of automated CASCO clearance, provides a policy by e-mail or sends it to the house by registered letter at the request of the client. It provides an opportunity to issue and calculate CASCO without the participation of intermediaries.

6) "RESO-Guarantee"

Has been working in the financial market for over 15 years. The main area of ​​activity is car insurance, therefore, there is a guarantee of settlement of insured events quickly and efficiently. He considers e-CASCO a priority, does not allow failures in the program, you can get a policy simply and quickly. Market share 13,4 %. Payout rejection rate 1.8%.

The company has more than 850 offices and representative offices, which makes its services affordable and in demand.

7) "Insurance house" VSK "

25 years of work experience guarantee quality service. The company provides both insurance services for apartments and houses, as well as insurance of movable property (transport). The company 2 times became the laureate of the National Award "Company of the Year". Market share 8,9%.

The company is characterized by high quality and reliability of the services provided. Round-the-clock consultation. Refund rate 2.1%.

8) "MAX"

It has been operating since 1992. The obligations undertaken, full financial responsibility, guarantee of an individual approach to each client are strictly fulfilled. Serves more than 30 million individuals.

Takes 2,5 % insurance market, has a low percentage of failure to pay - 5.7%.

Be careful when issuing e-insurance CTP - tips on how not to run into scammers

5. How not to let yourself be deceived when issuing electronic insurance for motor third party liability insurance - TOP-5 useful tips

In connection with the increase in prices for policies, scammers have become more active who want to make money on deceit of policyholders. Swindlers and scammers offer a lower cost policy.

Important to remember!Estimated coefficients are set by federal structures. Insurance companies determine only the base rate.

Experts suggest following these tips to avoid getting scammed from the network:

Tip number 1. Do not buy a policy at a lower cost

The main criterion for choosing an insurance company is its reliability and stability. Large companies may provide discounts and bonuses to your customers. Their value is not more than 10% of the amount of insurance. Therefore, when proposing to buy insurance at a price that is 2 times less than the minimum, it becomes clear that this is a simple "divorce."

Tip number 2. Assess the reputation of the insurance company

The insurer can be assessed by prevalence in the territory of the Russian Federation. Reputable companies with a number of offices and representative offices throughout Russia do not engage in fraudulent activities. Here the probability of falling into the hands of scammers is small.

The stability of the insurance group, the percentage of failures in the payment of insurance claims are taken into account.

Tip number 3. Check sent documents

Documents, when applying for an electronic policy, are sent to the policyholder’s email. It is necessary to check the availability of all necessary documents sent during the execution of e-CTP.

Important! The absence of at least one of the documents can lead to a nullity of the transaction and a fine for driving without compulsory insurance.

The set of documents must contain:

• Policy with receipt of payment.
• Electronic signature.
• Memo of the insured and the rules of insurance CTP.
• A link where you can verify the authenticity of insurance.
• Representative offices of the insurance company in the region where the vehicle is located.

You can verify the authenticity of insurance by going to the official website of the RSA, entering the number of the CTP insurance e-policy in the search. The policy status will be checked automatically.

If he’s acting, there’s nothing to worry about, otherwise, following the saying “avaricious pays twice,” you will have to re-issue the policy, only in a reliable company.

Tip number 4. Make e-CTP only on the official websites of companies

Since 2017 any accredited insurance company must have a working official website with the possibility of issuing electronic CTP. Contact information should include telephone numbers for advice. If the site has a dubious interface, irrelevant information is provided, the phones do not answer, it is better to opt for another insurer.

To be sure of the right choice, you can use third-party assistant services. Such platforms were created, inter alia, to facilitate the search for insurers for customers issuing e-CTP.

The policyholder is provided with the following options:

• Calculate insurance.
• Choose the best deals.
• Receive personal offers in your account.
• Get an electronic policy, saving up to 20% of its cost.

The services of such sites are usually free. To access information, you must register. After specifying the type of insurance, the client gets the opportunity to calculate the cost of e-CTP in several companies at once.

Attention! Due to the demand for the service, clone sites have appeared that duplicate the official sites of insurance companies by interface. In order not to run into scammers, you can call the insurance company hotline.

Checking the address security of the site will also confirm the existence of the insurer. Unfixed Resources//"are considered to be weakly protected, and they should not be entered personal data, because the likelihood of theft.

Tip number 5. Make a control call to the insurance company

You can verify the authenticity of electronic CTP by calling the contact phone numbers provided on the company's website. After giving the manager the policy number, ask to check its availability in the registry.

If a representative of the insurance company confirms the existence of the policy, then everything is in order.

6. Differences between the electronic policy (e-CTP) from paper

In terms of eligibility, both types of policy are equally valid. The appearance of the poles is also identical, the difference is the absence of protective signs on the electronic pole, they simply are not needed. The data of the insured is entered into a single register located in the RSA and IMTS of the Ministry of Internal Affairs of the Russian Federation. They are on the official websites of these organizations, and where each traffic police officer can check any car owner for insurance.

The advantage of applying for an electronic policy is that scammers easier and faster to fake paper version of insurance, since electronic fake is more difficult.

7. Check of electronic insurance policies of OSAGO by the traffic police 🔎

The rules of the road indicate the requirement for compulsory motor third party liability insurance for possible presentation to the traffic police. In connection with the possibility of issuing an electronic policy, such necessity fell away.

Through a database of RSA or the Ministry of Internal Affairs, a representative of law enforcement agencies checks the availability of insurance by the policy number or the vehicle’s individual identification number (VIN).

Useful advice: To avoid misunderstandings, it is better to print an electronic policy and attach it to the documents on the machine. This is especially true for territories far from the center, where traffic police officers trust paper media more.

In the absence of the Internet, a representative of law enforcement agencies can call the nearest traffic police station in order to check the availability of insurance by policy number or VIN of the car.

After the electronic insurance system has been fully developed, the need to have a paper document with you will disappear by itself.

5 main advantages of electronic insurance policies

8. 5 advantages of applying for an E-CTP policy via the Internet

Electronic insurance is beneficial for both parties to the transaction. For insurers, there is no need to maintain a large staff of employees, their training, rental of office space and so on.

We list below the benefits of buying an e-CTP policy through the Internet.

Advantage 1. Money Saving

Registration of e-CTP takes place without intermediaries who need to pay an additional commission for the transaction. Many large insurance companies provide customers with additional discounts and bonuses when working with them over the Internet.

Advantage 2. Availability and speed of service

Significant time savings. To apply for a policy, you do not need to go to a company, stand in line, listen to various additional information from insurance agents.

It is required to allocate for registration of standard insurance from 2-3 hours. Registration of an electronic policy takes 15-20 min. To apply for an electronic policy insurance, it is enough to have a computer and Internet access. The policy is sent by e-mail immediately after payment.

Important! The Bank of the Russian Federation strictly monitors compliance by insurers with the requirement of uninterrupted sales of e-CTP.

Impact measures are applied to violating companies, so policyholders are trying to ensure the continuity of work on issuing electronic policies.

Advantage 3. The ability to choose the best option

Using the Internet, the policyholder gets the opportunity to choose the best service. To determine the optimal tariff plan, it is enough to compare the base rates in several insurance companies.

Advantage 4. Ease of use

An electronic policy cannot be lost or forgotten at home, it will not lose its strength because it is torn or wet. The policyholder always has the opportunity to print a new document (if desired).

Traffic police officers generally do not need paper to check for insurance.

Advantage 5. Convenient payment

Electronic insurance is paid using a card, electronic wallet and other payment methods via the Internet.

9. Elimination of errors in the design of electronic CTP

Unfortunately, no one is safe from mistakes. According to reviews of customers who have already issued electronic insurance, they occur quite often.

The most common are data inconsistencies between those available in the register of the Ministry of Internal Affairs and the SAR and those provided by policyholders in the questionnaire:

• PTS and STS numbers mismatch. This happens quite often, you can try to rearrange them.
• Error in the date of receipt of rights. It is necessary to set the date of receipt, and not renewal of the driver’s license.
• Misspelling car brand.
• Incorrect determination by the system of the Bonus-Malus coefficient (BKM) - This is a discount for a trouble-free ride. Data can be taken from previous insurance, it is not difficult to fix this point by contacting the insurer.

Insurance companies warn that in case of discrepancies, it is necessary to send scans of documents to the company and the insurer will check all the data and make the necessary changes on their own.

Often, due to failures in the system, you can see the following errors:

1. "Failed to get the calculation for the data provided";
2. "Error exchanging with SAR";
3. "Design in your area is not available";
4. "Unknown error".

To eliminate them, you can try to visit the site in the morning, when the system is not so loaded.

Good to know:If the policyholder indicated incorrect data during the execution of the e-MTPL insurance, which led to a decrease in the cost of the policy, it is urgent to contact the insurance company to clarify the data.

Otherwise, the Insurer has the right to recover from the insured the full amount of insurance compensation paid to the victim in the event of an accident. If there are no payments, the difference between the value paid and the amount payable is charged.

10. The nuances that should be considered when registering e-CTP 📎

Consider some additional nuances that should be considered when buying an electronic insurance policy over the Internet:

1. Due to the unpreparedness of the systems that host the sites of insurance companies, some programs often hang and give errors. You can try to go to the insurer's website in the early hours when there is no big load on the server.
2. If you have any doubts about the authenticity of the web resource, you can call the insurance company hotline.
3. Some companies request scans of all documents.
4. The system in some companies does not allow you to issue a policy quickly, so when choosing a company, you should read reviews about the operation of specific sites.
5. Due to the increased risks, insurance companies are reluctant to issue e-CTP for old cars, or for inexperienced drivers, finding unspoken reasons for refusing insurance.
6. An electronic policy can be downloaded to a smartphone (telephone) for ease of use.
7. When making the pole for the first time, you have to go to the insurance company.

Good to know: Until the end of 2019, it is planned to develop programs that allow you to track uninsured vehicles using cameras and automatically send a fine to the mail.

11. Frequently Asked Questions (FAQ)

Due to the fact that the service for the provision of e-CTP is new, the policyholders have a lot of questions related to the design, conditions and use of electronic poles. Here are the answers to the most common ones:

Question 1. What does an electronic policy look like? (Photo, required data)

After registration and payment, the Policyholder receives the policy by e-mail in pdf format.

This is how the OSAGO electronic insurance policy looks - photo

Its appearance is practically no different from its fellow paper. It is green in color, only there are no micro clogs on it that serve as protection against fakes.

The policy contains the following information:

1. Name.
2. Series XXX (because electronic) policy number.
3. Duration of insurance.
4. The period of use of the vehicle for which the insurance applies.
5. Policyholder
6. The owner of the vehicle.
7. Vehicle characteristic: brand, VIN, state. sign.
8. The list of persons allowed to drive vehicles with the number of the driver’s license.
9. The amount of the insurance premium.
10. In special marks the name of the Insured is indicated
11. Date of conclusion of the contract.
12. Policyholder (signed by electronic signature).
13. Seal of the Insurer.

Sample e-MTPL: an example photo of what an electronic MTPL policy looks like

It can be printed on both color and black-and-white printers; this does not matter for its identification.

Question 2. What should I do if an "unexpected error" occurs at the time of payment?

In the event of such an error, you can try to enable SMS informing on the insured's bank card. This may be incorrect processing of errors when paying, or transferring them in the wrong format to the service with a payment gateway.

You can try to pay with another card.

Question 3. What if the driver experience is incorrectly specified?

Correcting this error will help to indicate not the real experience, but the date of issue of rights. The system checks the year, the date and month do not matter.

Question 4. No confirmation has been received from centralized SAR systems, what should I do?

If there is a difference between the data provided by the policyholder and those located in the SAR system, an error appears: "Failure to check in the AIS SAR."

To correct the data you need:

1. Check the provided data. In some insurance companies, data that did not pass the test is highlighted in color, in some it is not, so you must carefully examine all the information provided on your own.
2. Check the conformity of the TCP data and Vehicle Registration Certificate. When filling out the questionnaire, it is better to take information from the previous insurance, since they have already entered the PCA database.
3. To correct the errors, they contact the technical support service of the insurance company.

We recommend that you familiarize yourself with the nuances that should be considered when buying electronic OSAGO online.

12. Conclusion + video on the topic

Despite the fact that the introduction of e-CTP is defined at the legislative level, there are a lot of problems that arise during design related to unprepared sites and the presence of errors in the PCA system.

Making e-CTP insurance is a new direction in the development of car insurance, this service is already gaining popularity. Already, it is clear that the future lies in modern ways of car insurance.

In conclusion, we offer you to watch a video about electronic OSAGO via the Internet:

All motorists who use the old way of registration need to try to issue an electronic policy in order to feel all the advantages of its use.

Questions to readers

Have you bought an e-CTP insurance policy online? Did you manage to understand and get insurance right the first time?

Dear readers of the Rich Pro website, if you still have questions about purchasing CTP insurance policies or comments on the topic of publication, leave them in the comments below.

Watch the video: Железные кони: что нас ждет, что нового и какие изменения в 2017 году (December 2024).