With the purchase of a car there are many additional expenses. It is also necessary to draw up the necessary documents so that the driver is not fined. So, car owners must have an insurance policy. You can issue it not only when visiting the company, but also through the Internet. This procedure has its own nuances that will help solve the problem. In the article we will tell you how to insure a car through the Internet.
The benefits of an electronic policy
One of the advantages of this method of registration is that when you contact the company’s office, the client is often offered additional services, but if you draw up a document via the Internet, this is impossible. The client will not be able to refuse to issue a policy.
In addition, this service is convenient for motorists living in remote regions of the country where there are no representatives of insurance agencies. In this case, they will not need to go to a large city to receive a document. Therefore, insurance over the Internet is a convenient service for everyone.
Company selection
Before you learn how to insure a car through the Internet, you need to choose a company. The policy extension was introduced from July 1, 2015, and from October - implementation. Large companies began preliminary preparation for this work. From July 1, 2016, any legal entity can issue an electronic policy.
By the way, if you have used the services of one company for many years, then you should not change it. If she does not issue electronic policies, then it is better to issue a paper form. Perhaps in the near future car insurance will be carried out here via the Internet.
Motorists can use the services of the following companies:
- Rosgosstrakh;
- "RESO-Guarantee";
- Alfa Insurance;
- Military Insurance Company;
- MSC.
When choosing a company, beginners should be guided by the following criteria:
- amount of authorized capital;
- reliability rating.
Large insurance companies operate efficiently, so you can safely trust them to apply for a policy. And with the final choice, to understand how to insure a car via the Internet will be quite simple.
OSAGO registration rules
To register CTP via the Internet, you must visit the official website of the company and register on it. This will require the following information:
- FULL NAME;
- passport ID;
- Email;
- phone.
Data by the insurer is sent to the AIS CTP database. If the application is confirmed, then an e-mail arrives with an username and password from your personal account.
How to insure a car over the Internet? To do this, you must fill out an application for a policy. The password is considered to be an analogue of an electronic signature. It is also received at the office of the insurance company. If there is data from the "Portal of public services", then you can use the username and password on the company's website.
The electronic application has the same points as the paper one. When the electronic signature is delivered, it is sent. If the answer is yes, then the client receives the price of the policy, as well as the methods and period of payment.
Payment options
Car insurance can be paid by card online or through an ATM. The cost of electronic and paper documents is the same. When payment is successful, the policy is sent by e-mail. It has the same appearance as paper, so it has a typographic series XXX.
In addition to the policy, the following applications are received in the mail:
- memo;
- Receipt of payment;
- list of representatives by region.
You can print the document or not do it - the policy will still be indicated in all databases.But it is desirable to have a paper version, since it will come in handy in case of verification. He, for example, may require a traffic police officer.
In addition, this system is not yet highly developed in our country, so there may be technical failures. Failures occur during the design and verification of the policy. But later it’s enough to just say the document number. And it will be possible to check the availability of OSAGO by the number of the car.
Required documents
The policyholder does not need to submit documents for applying for the policy. The statement only indicates the necessary information. All information is checked on the basis of the traffic police. Also checked information on inspection, which is in a single information system.
By the way, the law does not force the company to switch to electronic registration, and the availability of such a service is the decision of the company.
When is a document not issued?
When a signature is placed, the client confirms the accuracy of the data. If, among the proposed, incorrect information is found, then a refusal to provide a policy will follow. Therefore, be careful - check and enter the correct data.
It will not work to issue a policy if the user of the machine is not its owner. You can not become the owner of the policy when the car is just bought. First you need to register it with the traffic police, so that all information about him was in the CTP database. There are no other restrictions, so you can safely execute the design. A document will avoid many problems.
