In the article, we will consider what documents are needed for compulsory motor liability insurance. Before you go to the office of the insurance company to conclude a contract, you need to collect paper. So you can save time and energy as well.
Policy registration procedure in 2019
There are several points in the basic scheme today, and if you stick to them, you can save some money. First you need to decide in which organization it is better to take out insurance. To do this, read the reviews. Next, you need to collect all the documentation in one folder, then go to the office, give the papers and in the end get insurance for the car.
What documents are needed for compulsory motor third party liability insurance?
Here are the required actions for obtaining insurance for a car in 2019 for individuals:
- Drawing up the application, it can be written to the insurance company.
- Presentation of the passport of the citizen of the owner of the car.
- Provision of STS, technical passport or TCP. What documents are needed to draw up an insurance policy, it is important to find out in advance.
- Presentation of a valid driver's license.
- Valid inspection (this is a diagnostic card).
- Power of attorney, if the car does not belong to the citizen.
The list of documentation for individual entrepreneurs does not differ in any way from papers for individuals. You do not need to bring any additional help.
What papers are required from legal entities?
What documents are needed to draw up an organization's insurance? First of all, these are the following papers:
- Existing inspection.
- STS, data sheet or TCP.
- A power of attorney for a person to represent the interests of the company.
- Certificate of state registration.
- Institution seal.
For all papers that a person submits, the validity period does not have to be completed; otherwise, it’s impossible to apply for a policy. Also, when a citizen has a corresponding document from the previous owner, you need to take it with you. Such a measure will facilitate, and at the same time, accelerate the process of designing a new one.
What documents are needed for compulsory motor third party liability insurance in Rosgosstrakh?
To purchase and obtain a CTP policy in this company, you must present a certain list of documents. Among the necessary ones, as in the standard situation described above, are the following:
- Passport from the applicant.
- Documents for the vehicle (we are talking about a certificate confirming ownership).
- Paper testifying to the fact that the vehicle underwent a technical inspection. What other documents do you need to get CTP insurance?
- Presentation of a driver’s license for those who have the right to operate the car (the fact is that the policy can be issued for an unlimited number of drivers, in which case the presentation of such a document is not required).
Here are the documents that are needed to register CTP in this organization. In some situations, this policyholder is also entitled to request additional securities. For example, if a representative speaks on behalf of the owner of the machine, it is also mandatory to present a power of attorney with the passport of an authorized citizen.
What documents are needed for issuing a CTP insurance policy at SOGAZ? The package of papers is about the same everywhere.
Electronic variant
What documents are needed for issuing electronic CTP? It is an analogue of paper, which is no legally different from standard insurance. Today it can be bought on the website of the relevant companies on the Internet.Given that the entire process of registration takes place remotely, the electronic version is completely virtual and does not have any physical embodiment in the form of an insurance certificate or a paper contract printed on Goznak forms.
In fact, this form is the only available difference between the electronic version and the usual one. To apply for this policy, the same basic information is used, that is, KBM along with the region of residence, type and power of the car, length of service and age of the driver, and so on.
The possibility of issuing an electronic version of the policy appeared for car owners back in July 2015, when amendments to the law on compulsory motor liability insurance entered into force, which govern the procedure for completing this document. Initially, this service worked exclusively in test mode and made it possible for users to only renew the insurance contract already in force at that time. And since October of that year, the opportunity became available to purchase electronic compulsory motor third-party liability insurance on the Internet from any insurance company that you like, which provides an online car insurance service.
How can I verify the authenticity of electronic policies?
Despite the fact that the classical method of fraud, such as selling counterfeit securities by a fake agent, cannot be used for electronic insurance, nevertheless it’s quite possible to fall into the trick of scammers on the Internet.
The most common method of selling electronic forms among scammers is the implementation of fake online certificates on fictitious sites that are clones of the portals of real companies and have consonant web addresses and absolutely the same design similar to the official pages of the respective organizations.
PCA spends a lot of effort on timely detecting the blocking of such sites, but there are still risks of being cheated, especially for citizens who have poor computer skills and do not have experience in paying for services on the Internet. As a rule, fakes can have a greatly reduced cost.
To ensure that customers can verify the authenticity of the policies sold to them, insurance companies along with the document themselves send a special link to an email offering to check for the availability of OSAGO certificate within a single database on the official website of the PCA (and it is added there automatically). If for some reason such a link did not come with insurance, the verification can be done independently. To do this, go to the page for authentication.
Electronic policy and its advantages
The benefits of online insurance include the following:
- It is simply impossible to lose such insurance (since it has no material embodiment), and a copy of it is stored in triplicate at once (in the PCA database, at the insurance company and at the car owner).
- The ability to design the so-called clean option (that is, without unnecessary options, which are sometimes forcibly imposed on customers in the office).
- Provided that the basic rules of caution are followed, fraud is minimal (whereas, acquiring a paper type, you can be a victim of fraud on the part of the organization’s employees).
- Citizens of remote regions now have a real opportunity to choose their favorite insurance (the fact is that before the electronic version appeared in such areas, only a maximum of two insurers operated, and the drivers simply had no choice but to apply for a car citizen in these organizations).
What to look for?
To know what documents are needed for compulsory motor third-party liability insurance is obviously not enough. It should be borne in mind that insurers are also very interested in selling additional services to the client as well. Therefore, it is necessary to carefully check what is given for the signature.After all the manipulations are completed, the following papers should remain on the client’s hands:
- All personal documentation.
- The original of the policy on which the required signatures are affixed along with the seal of the insurance organization and a special state sign of the established form.
- A set of OSAGO rules to read.
- Notice of accident in duplicate. If suddenly they are not enough for the insurance period, a citizen can go to the office in which he issued CTP, and ask for more.
- The presence of a memo.
- A receipt issued by the insurer.
When a person is given all the documentation in their hands, it is important not to forget to check it. Representatives of the insurer could accidentally make any mistake when filling out.
We examined what documents are needed for compulsory motor third-party liability insurance.
