From July 1, 2015, citizens received an alternative way to conclude an insurance contract. It is now possible to issue a policy directly from home. Now, car owners can insure their responsibility at any time of the day or night using a computer and the Internet, without wasting precious time and nerves in line at the offices of insurance companies. It is worthwhile to figure out what the main attractiveness of the new service is, what disadvantages it has, and how convenient it is.
CTP insurance policy
The CTP policy of an electronic sample is an absolute analogue of a conventional 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 person, an insurance policy can be purchased either online or in person by meeting with an insurance agent in his office.
Electronic motor liability insurance is the entry into the specialized database of the basic information that is contained in the insurance contract. The corresponding record must be contained in the aforementioned database. Only its presence can guarantee the provision of insurance services.
After a citizen has completed the procedure for registration and payment on the website of the relevant insurance company, he receives a policy in his electronic mail box. This document must be printed independently. Sometimes it is advised to sign it in a special box by a 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 an enhanced, qualified digital signature. It is her insurance company that fastens the document in electronic form.
Where else can I get an e-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 charges for the personal conclusion of the contract is not necessary to pay for online registration.
The procedure for online registration of the insurance policy
Making 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 apply for electronic auto insurance online, you must:
- Go to the website of your chosen insurance company that provides this service.
- Fill out the application form, in which it is necessary to indicate such data as full name, available driving experience, the amount of horsepower of your car, its body type, email address to which the policy should be sent, and so on.
- This form of contract must be secured by signature. If insurance is provided by an individual, then the signature is simple electronic, and for this it is possible to use the individual SNILS number. If electronic insurance is carried out by a legal entity, 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 in a single database for reconciling data. The insurance company reserves the right to request additional information, if any, is 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 selection of payment methods: for example, with electronic insurance at Ingosstrakh, payment can be made by credit card, electronic payment systems, or others.
- Check your email account and save the received insurance policy. The policy itself then needs to be printed out, since the rules of the road provide for the driver to have a paper copy.
When filling out the form on the site, you should be extremely careful, since the presence of various kinds of errors or typos can lead to trouble.
Reasons for non-payment of insurance compensation
Inaccuracies in the filling may cause non-payment of insurance compensation. Often, insurers deliberately increase the waiting period for insurance payments, referring to commonplace typos made during the execution of the contract. Unfortunately, the error can also be interpreted as providing incorrect information, and this already entails completely different problems.
E-policy - right or obligation?
Another important point that should be taken into account when issuing an insurance policy is that this procedure is a right, but not an obligation. The driver may, at his discretion, choose the method of registration of the insurance policy - by filling out the contract online or by personal signing in the office of the insurance company.
By the way, on the sites of insurance companies, it is possible to pre-calculate the cost of insurance using a special calculator. This will allow you to choose the most suitable option before concluding an insurance contract.
The right to enter into an electronic insurance contract
It is important to note that only insurance companies themselves have the right to conclude an insurance contract in electronic form for compulsory motor liability insurance. That is, neither agents nor intermediaries are endowed with such a right.
After the policyholder has drawn up the contract and received the policy by e-mail, he automatically gets into the AIS of compulsory insurance. This procedure in the future will greatly facilitate possible manipulations with the policy. By the way, what is important to know for those drivers who decide to get an insurance policy online - no vehicle inspection is required.
Documents required for insurance
Also, when applying for electronic insurance, it is not necessary to present identification documents, car registration documents, driver's licenses for persons who are allowed to drive insured vehicles, as well as documents confirming the passage of the technical inspection.
All this information is available to insurance companies in the aforementioned specialized database. Therefore, if the driver does not have rights or his car has not undergone a technical inspection, then simply can not get electronic insurance.
How is the authenticity of the electronic policy verified?
As in any other field, in electronic insurance in Russia there are also deceivers and scammers. It is not difficult for them to fake letterheads of various organizations, to say nothing of an electronic policy. How to be a car owner in this case?
In accordance with the current rules of the road, a driver must always be able to immediately submit documents such as a driver’s license, a registration certificate for a vehicle and an insurance policy.These documents are required to be presented at the first request of the inspector of the traffic police. That is, it is better to have a paper printout of your electronic policy with you.
The plans include equipping each traffic police crew with a special terminal device, which will allow for quick access to the database. This will allow you to quickly verify the authenticity of the electronic policy. But now, every policyholder has the opportunity to independently verify his policy for authenticity using a special system. Each insurance policy has anti-fraud protection and an individual identifier.
You can also apply for a new type of electronic health insurance policy. This will be described below.
The PCA is responsible for issuing the forms, not the insurance companies themselves. Therefore, to verify the authenticity of an electronic policy, you just need to enter its number in the form on the PCA website. In the event that the name of the insurer company in the database matches its name on the policy, we can confidently talk about the authenticity of the document, regardless of its origin (whether it is a paper policy or electronic).
Benefits of E-Insurance
Now companies providing insurance services are very active in advocating the popularization of the e-insurance system. For the insurer, the benefits of this system are obvious: it will be possible to reduce the number of employees, you will not have to train them and pay them salaries, and it is also not necessary to rent offices. But what is the advantage of buying an electronic policy for the consumer?
- There is no need to go to the company office to draw up an insurance contract, study the conditions of various companies, delve into the terms of the contract. The policy can be issued without leaving home, being in a familiar and calm environment, without being distracted by the hustle and bustle of others. That is, there is a significant saving of time, because you can issue a policy via the Internet around the clock. You do not have to ask for leave from work or change your schedule in order to get to the insurer's office at a certain time.
- It is possible to independently obtain preliminary costing of the product of interest. At the same time, the conditions of the service can be changed as many times as necessary until the most acceptable option is selected. Often, insurers provide e-insurance at a price lower than conventional insurance.
- Ease of filling out the form when applying for insurance.
- There is a possibility of non-cash payment immediately and on the spot.
- The policyholder is completely protected from imposing various unnecessary services.
- It is not necessary to additionally visit the office of the company just to pick up the finished policy, it automatically arrives at the specified email box. Together with the policy, e-mail comes with complete instructions for using this type of policy.
Undoubtedly, these advantages cannot be disputed, however, like any medal, electronic insurance has two sides. That is, it is not an exception and also has its certain disadvantages, which are best known in advance.
Disadvantages when applying for an electronic policy
Minor flaws include the following:
- skepticism of consumers about the services provided through the Network;
- full information about the service is missing; this is due to the fact that the insurance company refuses advertising due to the transition to an online mode of operation;
- small insurance companies reduce the cost of insurance in order to attract customers; and low cost causes consumers to suspect, in connection with which they refuse such services.
However, minor flaws are not so critical, and you can close your eyes to them. But this type of insurance has a number of significant drawbacks, which, according to reviews on electronic insurance, can cause a consumer to refuse this service.
Reasons for refusing this type of insurance
First of all, the traffic police do not have the necessary equipment to conduct policy checks. A similar situation can cause a conflict. On the one hand, a driver who paid for insurance and entered into an agreement according to the rules, replacing the paper policy with the corresponding entry in the database. And on the other hand - the traffic police inspector, who is able to refuse to accept an oral statement stating that insurance is available. Indeed, in accordance with the SDA, the driver is required to have with him the entire package of documents, including the insurance policy. For the absence of such a driver may be held liable. He may face a fine of 500 rubles in the event that the database contains information about insurance, but there is no paper copy, and in the amount of 800 rubles if the inspector insists on having the insurance itself.
Secondly, when applying for electronic insurance, vehicle inspection is not carried out, that is, in fact, a vehicle inspection is a formal fact.
Thirdly, in the event of an accident, according to the law on electronic insurance, if one of the drivers has an electronic policy, then it is impossible to register a minor accident using the Euro protocol. Indeed, without the presence of the inspector of the traffic police, it will not be possible to verify the authenticity of the policy.
Electronic CASCO
There is also CASCO electronic insurance. The principle of its design is exactly the same as that of CTP. But there are some limitations, since the insurance company does not have the opportunity to assess the condition of the car:
- you can insure by CASCO only a new car without a run;
- year of manufacture of the car current or previous maximum;
- purchased without using a loan from an authorized dealer;
- there are restrictions on the maximum insurance cost of the car (this is established by the company);
- only the car owner can insure, that is, the one who purchased it.
Compulsory medical insurance
It also became possible to issue a new type of electronic health insurance policy. Since 2017, Russian citizens can exchange their paper OMS policy for electronic. This is a plastic card with a chip and a photo, which will store information about its owner. This new model policy is convenient because it easily fits in your wallet, does not crease, that is, always remains with you. The disadvantages include what is not yet accepted in all medical institutions of the country. The previous policy is still valid.
For registration, it is necessary to collect documents and submit to the selected insurance company. An application for an electronic medical insurance policy is also written there.
Reviews
The electronic type of insurance causes a lot of positive reviews. People like the opportunity to get a policy without leaving home. No need to waste time in lines, to overpay for additional imposed products. The main thing is to fill in everything correctly.