Today, drivers have the opportunity to apply for electronic insurance. It can be purchased at any time, as this happens via the Internet. Payment is made conveniently using a bank card or electronic system. An electronic insurance policy is as valid as paper. You need to know how to check it. This is described in the article.
What it is?
Electronic insurance is considered an analogue of paper. You can buy it on the sites of insurance companies. Since the registration procedure is carried out remotely, the electronic version is virtual and does not have a “physical embodiment” in the form of a paper contract and insurance certificate printed on the form of Goznak JSC. This is the difference.
Paperwork is based on the same basic information: KBM, region of residence, type and power of the car, length of service and age of the driver. It is much more convenient and comfortable than visiting the office of an insurance company. Insurance policy verification is carried out through electronic systems, but it is advisable for drivers to have a printed form.
What does the document look like?
After purchase, the insurance policy is electronically received by e-mail. The file format will be PDF. In appearance, the document is no different from paper: most companies have color, but there are black and white options. But the policy has a simple background, since there is no need for microfibre applied to protect it from fake.
Electronic documents have a unique series of XXX - it has no analogues among paper types. In addition, they have all the important information on the contract: terms, name, model and make of the car, a list of drivers who can drive, price.
Benefits
An electronic insurance policy was estimated by 200 thousand motorists. Its advantages include the following nuances:
- An electronic document is purchased from home. Queues and a long road are excluded.
- Companies can not impose additional services, justifying this by the refusal of compulsory insurance. This will save.
- You do not need a form for this.
- Do not worry about accidentally nullified discounts on the KBM, everything works automatically.
- An electronic document is not required to be taken with you. It is presented in printed form on plain paper.
As you can see, getting such insurance is convenient for the driver. In this case, the procedure has some conditions and nuances that you definitely need to know.
What does the law say?
The Law on Compulsory Motor Liability Insurance indicates that:
- An electronic document can be issued only on the official website of the selected company, which has permission to work on the e-CTP system.
- The information during registration is checked online by electronic systems.
- You can not provide paper for a car, a driver’s license, a registration certificate and a service station ticket.
- The policyholder puts an electronic signature, which is considered the password from a personal account on the site.
- The document is certified with an enhanced signature.
- The insurer makes information about the liability of the car owner in the AIS RSA instantly.
- The traffic police can check the insurance policy through electronic databases.
Probably, all drivers are interested in the issue of the accumulated discount for trouble-free operation. It should be borne in mind that the KBM coefficient is not zeroed with the execution of an electronic document, since with the calculation of the policy the same information is taken into account as with classical OSAGO. The size of the bonus-malus is in the SAR databases, in which the company makes a request when calculating insurance.
Minuses
An electronic insurance policy also has disadvantages. They are listed below:
- It can only be issued to those customers whose information is present in the PCA database. It turns out that the service will be unavailable to novice drivers.
- Mistakes made when entering information are expensive. Such documents are considered invalid, but funds for unsuccessful execution are not returned.
- Inspection takes longer for inspectors compared to the paper version, as it is necessary to find out information about the machine, and then check it with the database.
- Web users may encounter various technical difficulties.
Registration
If a company is chosen, then you can proceed to the policy. To do this, you must register on the site, indicating the following information:
- FULL NAME.
- Passport data.
- Date of Birth.
- Phone number.
- Email.
- Address of residence.
Data will be checked using the PCA database, and then a message will be sent to the phone with a password to enter your personal account. Then the client needs to fill out the page for the policy. To do this, enter data about yourself and the car. Then the application proceeds to the moderation phase, which is carried out online. If everything is filled out correctly, the insurance company sends the calculation of the premium with a request to pay, as well as payment options.
If the moderation is not passed, then a notification will be received about the need to amend for further clearance. The policy is paid in any convenient way: in cash, by credit card or electronic money (WebMoney or Yandex.Money). If the first option is chosen, then you need to visit the office of the company. And with remote payment, insurance will be ready after a few minutes. The document needs to be printed to make it easier to check.
Checking paper documents
How was a standard type of insurance policy checked? Until October 1, 2015, traffic police officers checked documents according to the usual scheme. The inspector checked the information of the car, driver's license, and also checked the expiration date of the policy. If the document had watermarks, serial number, then usually there were no difficulties. If you suspect a fake or lack of insurance, a fine and a deprivation of a driver’s license were required.
Verification of electronic document
The electronic version of the document involves storing driver information in a PCA database. The policy can be printed out and taken with you on trips. But this is not considered a prerequisite, so the inspector can not familiarize himself with the document in the usual way.
It will be possible to check the insurance policy for OSAGO thanks to a special service on the IMTS network or on the RSA website. Inspectors have access to both resources. For verification, you need to enter the data - the sign and VIN-code of the machine, indicated in the data sheet. Since the technical part of patrol cars and stationary posts is not at the highest level, it will not be possible to quickly check the insurance policy for compulsory motor liability insurance. This will be much easier if you have printed paper that you should always take with you.
Alteration
Can I make changes to the insurance policy? Insurance in electronic form has its own characteristics. You cannot make changes over the Internet. To add or exclude a driver, make changes to passport data, terminate a contract, you must contact the insurance company.
It is necessary:
- Contact your company for changes.
- New data is entered into the database, and then an entry is made in the policy with the assurance of changes, the signature of the agent and the seal of the company.
E-insurance is convenient for the driver and insurers. Naturally, the traffic police need to change the scheme of work and the technical component of the traffic police posts. In this work, reaching the European level is desirable, since such a practice has been successfully developed in many countries. Thus, electronic insurance allows you to quickly and comfortably get a policy. This is much more convenient than visiting the office of the company, performing a lengthy procedure.More and more drivers are switching to a new service for servicing motorists.