Until recently, Russian citizens could not obtain an insurance policy using the Internet. Everyone who previously bought it at the offices of insurance institutions was given the opportunity to renew their compulsory motor liability insurance online without leaving the walls of their home. This allows you to avoid insurance company managers imposing additional services, which will reduce the cost of the insurance policy.
This approach allows insurance market participants to interact almost directly with each other.
It became possible to renew compulsory compulsory motor liability insurance without visiting the insurance company office thanks to the changes made to the Federal Law “On Compulsory Motor Liability Liability Liability Insurance”. In order for the procedure to become possible, insurers were required to develop a registration mechanism on the website from January 2017 and provide access to a personal account for anyone wishing to take out a policy.
The opportunity to extend insurance is currently implemented by most insurance companies at the federal level. Now, in order to renew or buy a new compulsory motor liability insurance policy, you only need to click a few buttons on the insurer’s website.
Extension of the current compulsory motor liability insurance is possible if you have previously purchased insurance, if its validity period has not yet expired.
When it is not possible to renew a policy via the Internet
Despite the possible ways to exercise the right to receive, there are circumstances that make renewing insurance via the Internet impossible.
Such cases include:
- lack of information about the policyholder in the RSA database;
- a situation where more than 30 days have passed since the end of the old agreement;
- lack of an electronic signature (the condition is valid for legal entities);
- if car insurance is purchased for a new car.
How to extend OSAGO
To extend the insurance contract, you need to visit the web portal of your insurance company, where you need to submit an application for the extension of compulsory motor liability insurance.
Before renewing your policy, you will need to go to a special section. The procedure for renewing a motor third party liability policy will be described in detail here.
Following the instructions and prompts, you need to fill out all the required fields step by step. This is best done by checking the information with documents (you will need a driver's license and a package of papers for the car). Be sure to make sure there are no inaccuracies. It is very convenient if the previously received electronic policy is already saved in your personal account, then you only need to check the information again and request an extension.
After submitting the application, a payment form for insurance may open in another tab. In many insurance companies, employees call the person making the purchase back to confirm the purchase. As you can see, the procedure is not complicated and allows you to renew your MTPL policy online yourself.
What documents are needed for renewal?
To renew your MTPL insurance in 2017, you do not need to provide any additional documents. What documents are needed? In fact, the list has remained standard for a long time:
- STS for a car.
- Driver's license of everyone who is allowed to drive.
- Diagnostic card (if the car is older than 3 years).
The procedure for renewing compulsory motor third party liability insurance through your personal account
How to renew your insurance? You must log into your personal account or register to gain access to it on your insurer’s website.
For example, on the website of AlfaStrakhovanie Insurance Company the procedure is clear and understandable. To complete it, no special knowledge or skills are required, and the menu is convenient and intuitive. First you need to log into your personal account. Next:
- find the “Policies” section;
- click on the “Buy” button;
- wait until a check is carried out on the database of the Russian Union of Auto Insurers;
- read the letter sent to the email address specified during registration about the possibility of prolonging the transaction;
- fill out the application attached to the message;
- visit your personal account again to familiarize yourself with the cost;
- select the “Pay” button and use a convenient payment method;
- print a copy of the insurance agreement.
On the websites of other companies, the procedure is practically no different from the example above. Having received confirmation from you, insurance company employees will extend the insurance contract. The validity period of a compulsory motor liability insurance agreement is usually 1 year, but it can be extended for a shorter period.
The question of how to extend compulsory motor liability insurance is asked every year by all Russian motorists, since compulsory insurance must always be issued for the car. For many car owners, renewing compulsory motor liability insurance via the Internet is preferable to going to the insurance company’s office. Thanks to the new amendments, this option has become possible today.
Rules for registration of eOSAGO
eOSAGO begins to operate no earlier than 3 days after the day the application is sent to the insurer. Apply for compulsory motor liability insurance in advance to avoid interruptions in insurance.
You can extend your compulsory motor liability insurance no earlier than 2 months (60 days) before the current policy expires. An expired contract and operation of a vehicle without compulsory motor vehicle liability insurance may result in a fine. If there is a break in insurance for more than 1 year, the BMR becomes equal to 1 again (the reduction factor for accident-free behavior is lost).
Beware of scammers when purchasing MTPL!
When purchasing regular paper and electronic MTPL policies, there is a risk of becoming a victim of fraud. We and their plans of action!
How the price for compulsory motor liability insurance is formed
There are no discounts on MTPL!
If you drove without accidents last year, then next year the price-reducing OSAGO KBM (bonus-malus coefficient) will be applied to your calculation. OSAGO is a type of insurance obligatory under Russian law, therefore its tariffs are regulated by the state and concepts such as discounts and holiday promotions cannot be applied to it. If you are offered unexpected discounts that are not related to your accident-free driving record, beware: it is most likely a scam!
MTPL insurance rates are formed based on the results of risk analysis, statistical data and expert assessments. The insurance company sets its base tariff within the price corridor approved by law.
Documents for purchasing MTPL
- Passports of the owner and policyholder.
- Valid diagnostic card (vehicles older than 3 years).
- Driver's licenses of all approved drivers.
- Vehicle Passport (PVC).
- Vehicle Registration Certificate (VRC).
What you need to know about the diagnostic card
To apply for MTPL (or electronic MTPL), each car over 3 years old must undergo a technical inspection and receive a diagnostic card. Data about your passing the technical inspection is contained in the Unified Automated Information System for Technical Inspection (UAISTO) of the State Traffic Safety Inspectorate.
Period of use and insurance period
When using a car seasonally, select only the period of use during which you will need the car. Don't pay for the months when the car is in the garage - this way you'll save money.
Only drivers included in the OSAGO policy can drive a car! If the policyholder (and/or owner) is also driving the vehicle, they must be included on the driver list.
What is insurance class
There are 15 driver insurance classes. Each class has its own CBM (coefficient), which determines the cost of the policy. A new insurance class is assigned to the driver every year depending on the number of insured events due to his fault.
Get insured on time
In the event of a break in insurance for more than 1 year, the insurance class returns to the initial position 3, and the BMI becomes equal to 1. This means that break-even discount disappears!
Simple logic
The fewer drivers in the policy and the less KBM each of them, the cheaper the policy will cost
What to do with OSAGO after purchase
The MTPL policy must always be in the car. The electronic MTPL policy must be printed on a color or black and white printer and taken with you.
If you purchased electronic MTPL, then you will receive the following documents by email with a letter from Rosgosstrakh.
As a rule, a CASCO and MTPL insurance contract is concluded for a period of one year, after which it must be renewed for the same period of time. If you receive a call from a representative of your insurance company reminding you that you need to renew your contract, do not rush to immediately agree to renew your insurance. First, find out what insurance conditions are currently in effect and how they differ from last year’s provisions. It is definitely worth asking about the cost of insurance, whether it has increased or decreased compared to the previous year. It may happen that the insurance company's prices have increased, and you are not ready to pay too much money for the insurer's services.
Count the number of accidents, if any, that you and your car have been in, and determine your degree of culpability. This factor plays an important role when renewing the contract, since the presence or absence of insured events determines the rate at which insurance premiums will be calculated in the new year. It can either be increased or decreased.
In order to correctly extend the term of the CASCO and OSAGO agreement, you should follow the following recommendations:
1. Continuity of insurance
It is important to maintain continuity of insurance, which means that the validity period of a new contract should begin immediately after the end of the previous one. Some insurance companies allow a break of 30 days. But the majority of insurers encourage continuity of insurance by providing their clients with various benefits, subject to conditions. If you are late, on the contrary, your positive reputation (break-even) will no longer be taken into account, and the negative dynamics will not be forgotten in any case. If you also have a loan agreement, then fulfilling this criterion is simply necessary, since otherwise the bank may demand early repayment of the loan debt in full.
If last year there were no insured events and the company did not pay you compensation for any risk, then in the new year it will provide you with discounts for break-even. This is what most insurers do.
— under CASCO from 5 to 10% per year. Typically, the total discount for all years of insurance reaches 50%;
- according to compulsory motor liability insurance 5% per year and in general 50% for 10 years.
Some CASCO insurance companies classify as break-even clients those people who were involved in an accident, but were the injured party who was innocent of the incident. It is common practice for most companies to give break-even discounts to customers who switch from a competing insurance company. However, in this case, you should submit a certificate in an approved form from the previous insurer.
If you received insurance compensation last year, the insurance company will certainly charge you an increase in the tariff. There are several methods for calculating premiums. Let's look at them in more detail:
- The premium to the cost of CASCO is directly related to the number of insurance events, but does not depend in any way on the size of compensation payments. For example:
— One payment – 30%;
— Two payments – 60%;
- Three or more payments - more than 100% of the premium to the original contract rate: under these circumstances, insurers encourage a reduction in the number of applications from clients demanding a small amount of monetary compensation. Thus, those people who constantly get into frequent and minor accidents are removed. At the same time, if there is damage of medium or large volume, then the measures are not tightened.
When insuring compulsory motor liability insurance, premiums will be charged from 55% to 2.45 times and directly depend on the number of payments to the policyholder.
- Supplements to the cost of CASCO are set depending on the total amount of payments, without taking into account their number:
- total amount of payments of 1-2 insurance payments - from 10 to 20%;
- amount of payments of 3-4 payments - from 40 to 50%;
- amount of payments of 5 or more payments - from 80 to 100%.
An insurance payment is a certain established amount that the policyholder is obliged to pay to the insurer for the insurance service under the terms of the contract.
With this attitude, they “deal with” those policyholders who apply for compensation for large and medium payments. Those policyholders who contact the insurance company with applications for a small amount of damage are treated more leniently; the premium is not increased, even if the policyholder often asks to satisfy his claims for compensation.
- The size of CASCO payments and their number are also taken into account. In this case, clients are treated equally, although the amount of surcharges may be higher.
- In this case, no discounts are provided, and there are no surcharges associated with the unprofitability of CASCO. In these circumstances, the “no accident” policyholder is disadvantaged and is not rewarded in any way. But the policyholder who often gets into an accident gets an advantage. Typically, this technique is designed to generate profit through high insurance rates. In addition, companies that practice this approach often do not renew the contract for the next term with a client who has brought them a significant loss.
The price of the CASCO insurance service for a subsequent period sufficiently depends on the valuation of the car at the time of signing the contract, since the amount of payment is determined by the insurance payment, which must be proportional to the real value of the car. When setting a tariff, you must take into account the technical condition of the car and its mileage, as well as market prices for similar cars. In this case, even with the previous tariff, the client will pay a lower amount in the new period. See for yourself, the cost of the car decreases, in accordance with the wear rate, the insured amount also decreases, if multiplied by the same rate, we end up with a lower payment figure. However, keep in mind that you may be unpleasantly surprised by the fact that the cost of CASCO insurance will increase in the new period, even if no payments were made during the previous period. A completely logical question arises: “How is it that there were no payments, no discounts are provided, and the cost is increased.” The fact is that the situation in the insurance market is constantly changing, depending on a combination of many factors. This includes an increased number of road accidents, increased volumes of property damage, the cost of auto service work and spare parts, customs duties on cars and components, changes in the economy of foreign local and world markets, currency exchange rates, the number of thefts of cars of similar brands and models, etc. All these factors affect tariffs and the cost of insurance in general; CASCO insurance is more expensive.
In the Russian Federation, according to current legislation, everyone. Rosgosstrakh allows the car owner to obtain insurance for one year, with mandatory renewal or renewal after the expiration of the insurance period.
In this article we will tell you how to renew your car insurance and what documents are needed to carry out this procedure.
Validity period of the insurance policy
The insurance policy comes into force the next day after concluding an agreement with an authorized organization and is valid for twelve months. The document must indicate the start and end dates of the contract.
Upon expiration of the document, the owner of the vehicle must: If the owner of the car, for any reason, does not renew the insurance policy, then he will be fined in the amount of eight hundred rubles.
To avoid penalties, the car owner must contact the insurance company on the day the agreement expires and renew or renew the insurance. If the owner of the car wants to play it safe and arrange an extension of the agreement in advance, the laws of the Russian Federation allow this to be done two months before the expiration of the document. The new insurance will begin to apply only after the end of the previous contract. This service allows car owners to reinsure themselves and renew their insurance in advance.
Insurance policy renewal options
There are several methods for re-issuing an MTPL policy. Today Rosgosstrakh provides the following options for prolonging the contract:
- Direct visit to the office of the insurance organization and conclusion or renewal of insurance, calling the organization’s manager to your home.
- Use the services of an insurance agent.
- Make your own via the Internet.
Very often, a few days before the end of the insurance, the car owner may receive a call from the insurance agent with a reminder about the expiration of the contract and an offer to extend the insurance. Such services are very convenient for busy people; the agent will meet with the client at a convenient time and place. However, the cost of payment through an insurance agent may be slightly more expensive than registration directly in the office. If the financial side of the issue is important to the client, then it will be more practical to consider offers from different insurance organizations, which may differ, and choose the most profitable option.
Direct contact to the office of an insurance company is still a popular method of applying for or renewing a policy. If the car owner has a previous insurance document in hand, even when it was concluded with another organization, it is provided for a very quick renewal. The manager will find all the data about the client and his vehicle using the OSAGO number, renewing the contract will take a few minutes. If the previous policy is not available, then the procedure takes much longer; the manager will have to enter all the data about the client and the car into the database from scratch.
Since 2015, the car insurer has the opportunity to renew the policy independently, via the Internet, without leaving home. Regardless of which insurance organization the policy was previously issued with, its renewal can be carried out through the website in any organization suitable for the client’s conditions. To renew the contract, you need to go to the website, enter all the data on the car, the policyholder and drivers who are allowed to drive vehicles, guided by simple queries and tips on the website. After payment is made, the client will receive an original insurance contract by email, which can be printed through his personal account. There is no need to certify the document. It is necessary to take into account the fact that persons whose data is not entered into the unified RSA database will not be able to renew their policy via the Internet. Citizens who have received a new license or bought another car will also have to renew the policy directly in the office.
Necessary documents for policy renewal and cost calculation
Rosgosstrakh under the policy to the injured party in the event of an emergency if the insured is at fault. The cost of renewing insurance will differ for each client, depending on how often he was involved in accidents and the insurance organization paid compensation. There is a common register for all insurance companies, into which all data on payments to clients in the event of insurance incidents is entered.
You can find out how much it costs to renew your insurance contract directly at the organization’s office or independently via the Internet. Insurance organizations have a transparent discount program that depends on the number of accident-free years of driving experience. A driver who drove carefully and did not have a single accident in a year will receive an individual discount for breaking even at a bonus-malus coefficient of about five percent. If the owner of the car has not caused an accident even once within five years, he is entitled to a twenty-five percent discount, and for ten years of accident-free driving - fifty percent.
There are also penalties in the insurance charging system. If the policyholder once a year, he will have to overpay forty percent of the cost of the service, twice, the price will increase by fifty-five percent, three times, by one hundred and thirty. For the most active offenders, insurance renewal will cost almost two and a half times more than the standard price.
Let's look at what documents are needed to renew your car insurance. The list of documents is identical for prolonging a policy in the office of an insurance company and via the Internet.
To extend the contract and calculate the KBM you will need.
Knowing how to renew a Rosgosstrakh OSAGO policy via the Internet, you don’t have to visit the company’s office. And this saves time and effort. In addition, if the policy was originally issued electronically, there is no point in receiving a standard document.
General information
OSAGO is mandatory insurance for drivers, so when applying for it you should choose a good company. Rosgosstrakh is one of the most famous insurance companies, which has been operating in the insurance market for more than 90 years. Many drivers note the reliability of the company, which attracts more and more clients.
The advantages of Rosgosstrakh include the following:
- The company actively cooperates with a large number of financial companies.
- Rosgosstrakh branches are located throughout Russia, so finding the nearest one even in a small locality is not difficult.
- You can obtain the necessary insurance online.
Experts note some features of the MTPL policy issued by Rosgosstrakh to Russian drivers:
- No overpayments during registration.
- Speed and convenience of obtaining a policy (no more than 15 minutes).
- Client consultations are provided 24 hours a day and free of charge.
- Payments are made with interest.
- No diagnostic card required.
- The company does not evade payments under the policy.
The MTPL policy guarantees drivers compensation in the event of an insured event. If the client turns out to be the culprit of the accident, then compensation is paid to the injured party.
Terms of the agreement
- subject of the agreement;
- information about the car;
- insurance fee;
- payments upon the occurrence of an insured event;
- rights and obligations of parties to the agreement;
- validity period of the document;
- grounds for termination or modification of the agreement;
- responsibility of participants;
- signatures.
The document must contain reliable information, otherwise it can be considered invalid.
Renewing insurance online
When the agreement expires, the client has the right to:
- enter into an agreement with another company;
- extend the current agreement.
As practice shows, after taking out Rosgosstrakh MTPL insurance, almost all clients agree to renew it. To do this, it is not necessary to visit the company’s office. Just go to the Rosgosstrakh website and register. The company's client does not need to re-enter data about himself and the vehicle. Then you should pay the cost of insurance and wait for it to be received by email.
As for information, the driver is required to provide:
- passport details;
- driver's license details;
- SNILS (not all insurers require it);
- registration information;
- details of the registration certificate for the car;
- vehicle registration certificate data;
- MTPL insurance details;
- information about persons who will be indicated as vehicle drivers.
When filling out the form on the insurer's website, all information is entered into special fields. If the system automatically fills out the application, you should check the information with the original documents.
The client of the insurance company must know that insurance can be renewed no later than 30 days before the expiration of the contract. Otherwise you will have to sign it again.
To renew the insurance policy, the client must:
- be registered on the website of the insurance company;
- provide only reliable information.
The insurer, for its part, undertakes:
- process and form client information in the database;
- protect his personal data.
The information provided by the client must be protected from theft, system blocking, data destruction, etc.
Price
The basic rates of the MTPL policy in 2019 for passenger cars are as follows:
- for an individual – 1980 rubles;
- for a legal entity – 2375 rubles;
- when using a car as a taxi – 2965 rubles.
When calculating the cost of insurance, you must take into account additional factors, including driving experience, make of car, number of accidents, etc. You should also take into account various rate increases. Renewing your policy may cost a little more than, for example, last year. By filling out an application online, you can calculate the cost using a special calculator.
Trouble-free experience
This indicator (KMB) directly affects the cost of compulsory motor liability insurance. If the client was not the culprit of the accident, then he has the right to additional benefits when calculating the price. For example, for 10 years of accident-free driving, a driver can expect to receive a 50% discount.
In practice, even driving experience is often recorded with errors. Therefore, when applying for a policy, clients may encounter incorrect information contained in the PCA. Information about the KMB may be completely absent. Most often, such an oversight is made by employees of insurance companies, whose responsibility is to enter this information.
What can the driver do? The right decision would be to contact the insurer with a request to recalculate the length of service. It is advisable to attach evidence to the document indicating the absence of an accident with your participation.
The insurance company can refer the driver to the RSA to resolve the issue independently. Then you also need to draw up an application for recalculation. There are situations when there is no information about accident-free experience at all. And the person is assigned KMB as a novice driver. Help: if you wish, you can fight for the return of your accident-free record, and then demand compensation from Rosgosstrakh.
Checking the policy
After the MTPL policy is sent to the client’s email address, it should be checked against the RSA database. It often happens that data is entered late. Therefore, when checking the insurance by a traffic police officer, it may be revealed that it has not been renewed. And this threatens with an administrative fine for the driver.
There is a website called autoins that provides a service for checking insurance documents. If information about the document renewal is already entered into the database, this will be indicated. If not, the client must contact the insurer for an explanation. It is better to make this official by sending a written request by regular mail.
Having figured out how to renew an electronic Rosgosstrakh OSAGO policy via the Internet, the main thing is not to be late with the deadline. The whole procedure takes little time, and also allows clients to obtain insurance without leaving home.
Attention! Due to recent changes in legislation, the legal information in this article may be out of date!
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