Electronic policy of OSAGO: feedback and opinions of experts

The main change that occurred on July 1, 2015year - the ability to draw up a policy in electronic form. The purpose of the innovation is to make insurance affordable, even in remote regions. How can I purchase an electronic CTP policy? Customer reviews that have managed to use this service are different. According to the Russian Association of Motor Insurers (PCA), 27 insurance companies will sell the electronic policies.

The initial stage of registration of the electronic policy

To issue an electronic policy OSAGO,You must go to the official website of the insurance company and register. After registration, a personal account will be available, through which customer identification and verification of personal information is carried out. After verification of the data, the electronic signature key is issued.

There are several ways to get an electronic key to sign an insurance policy OSAGO:

1) On the official website of the insurance company.To do this, you will need to enter your last name, first name, middle name, passport information, mobile phone and e-mail address in your personal cabin. After verification of the data, a secret code will be sent to a mobile phone, which will serve as an electronic signature key, allowing you to issue an electronic CTP insurance policy. Testimonials from customers who bought the policy in this way indicate that this is a very simple and fast option for purchasing insurance protection.

2) Personally in the office of the insurance company.To obtain an electronic signature in a company, a client must first register on the official website and contact the nearest branch with a passport.

Filling out an application for OSAGO

As soon as access to the site is obtained,will need to fill out an application. It is no different from the usual, in paper form, which is filled in the office when buying OSAGO. After filling in all the fields, the application must be registered using an electronic signature. With a positive registration, the client will be billed for the payment of the policy. You can pay by credit card. After payment, the CTP policy is electronically sent to personal mail.

Getting a policy

As soon as the policy is sent to the personalmail, it can be printed and put in the vehicle. According to the law, the acquired CTPO form can be provided to police officers in electronic form: on a mobile phone, tablet or laptop. It is also worth noting that all CTP policies are registered on the PCA website, and anyone who wishes can check the availability of the form using the vehicle identification number for free.

It turns out, in practice, the purchase of a policy is simple and accessible to everyone. But how is the CTP insurance policy purchased?

Currently, the World Wide Web is actively discussing the advantages and disadvantages of electronic insurance. Let us consider in more detail all the pros and cons of acquiring an electronic form.

Advantages of online insurance

Consider the advantages of the electronic form of compulsory motor TPL insurance:

1) The main advantage is fast clearance.contract. You can issue an electronic CTP policy at any time convenient for you. To obtain a contract, you need a personal computer and 15-20 minutes of free time.

2) No need to overpay for additional services, without which many insurance companies refuse to insure.

3) The finished document can be stored in electronic form and, if necessary, downloaded from the site.

Disadvantages of online insurance

Those car enthusiasts who tried to purchase an e-insurance policy for CTP, reviews were set aside on the World Wide Web and told about all the shortcomings.

Consider the disadvantages:

1) You can not buy a policy for a new car,which is not registered. The fact is that when you make a policy, you must enter the state license plate of the machine. Without insurance you can not get numbers. It turns out that insurance for new cars is available only in the sales office.

2) The discount that the driver accumulates for each trouble-free year of driving is not always displayed. It turns out that by purchasing a policy through the Internet, you overpay and lose the discount.

3) Insurance companies can customize the menu.statements at your discretion and automatically tick the checkboxes for additional insurance. When making a very difficult to replace these items and uncheck. It turns out that there is a risk of acquiring unnecessary additional services.

4) If you make a mistake when fillingstatements, make changes fail. Have to re-fill it. If you register a policy and after you find an error, you will need to personally contact the office of the insurance company, write a statement and wait for the changes to be made and provide a new CTP policy.

How to buy a CTP policy on the official website of the Rosgosstrakh company

The very first company that offeredmotorists electronic policy OSAGO - Rosgosstrakh. Customer reviews indicate that it is acquired quickly and easily. To purchase a form, you must go through a simple registration on the official website, confirm personal information, fill out an application and receive a mandatory policy in electronic form.

According to the testimonials of the buyers of the electronic policy, there are some difficulties with the application:

- the diagnostic card is not checked through the unified EAISTO system, therefore not every motorist will be able to buy a CTP for a used car;

- when changing a driver's license orLast name does not display a discount: in such a situation, you must personally contact the representative of the insurance company and ask to change the information and save the discount for trouble-free years.

The undoubted advantage noted by manyexperts, is that to issue a policy quickly and without problems through the official website of the company can those motorists who are already clients of Rosgosstrakh. To extend the policy, you only need to enter the series and number of the old form, wait until all the information is loaded, and click "calculate for a new term and extend." This is a very convenient service, which undoubtedly pleased all the customers of this insurance company.

Policy in the insurance company "Consent"

Currently, several large companiesready to offer to buy an electronic insurance policy. "Consent" - a large insurance company, also entered the list of companies that began to sell electronic forms of compulsory insurance. The principle of purchase is similar to the acquisition of the policy in the insurance company Rosgosstrakh. You need to register, get access to your personal account through which to purchase an insurance contract.

Purchase of CTP in the company "Alfastrakhovanie"

Electronic policy CTP companyAlfa Insurance first began selling only to Alfa Bank clients who paid for the contract with its cards. However, after the electronic insurance service, many citizens were able to take advantage.

The whole process of registration consists of three stages:

• registration on the site;
• filling in the form and payment of the policy;
• courier order for delivery of the form.

It is convenient to buy in the Alfastrakhovaniye companyelectronic policy CTP. Customer reviews indicate that this is the only company that provides a form not only electronically, but also in paper (if necessary).

При этом стоить отметить, что в настоящее время Not all motorists can use the convenient service. In small cities, it is not available, so it remains to continue to contact the branch of the insurance company, wait for your turn and purchase a form. In the future, electronic insurance will be available to everyone, regardless of the territory of residence.