How to issue an electronic policy on MTPL via the Internet
OSAGO is a compulsory third party liability insurance for car owners. In case of an accident caused by your fault, the insurance company will compensate you for the losses and damages you caused to another car, life and health of people.
Electronic Policy for Compulsory Motor Third Party Liability (e-POLicy) is the same policy, only in electronic form. It is prepared and paid for online, and received in PDF-format by e-mail or in the personal account on the insurance company website.
The paper CMTPL insurance policies have the EEE series, while the electronic ones have the XXX series. The paper forms are pink, and the electronic ones come in different colors, and each insurer has its own color. At the same time the structure of the forms is similar – the fields are in the same order and have the same content.
The electronic policy has the same legal effect as the paper one. MTPL and e-MTPL, cost the same and differ only in format.
Advantages of e-MTPL policy
It is possible to draw up an application on a day and time convenient for you. Websites work round the clock without holidays and weekends. You don’t have to ask for leave from work, go to the office of the insurance company, or stand in long lines. You can have your MTPL policy issued in 10-15 minutes.
No extra costs for unnecessary additional insurances. For example, the insurance broker may refuse to issue a policy of MTPL, as long as you do not buy insurance against accidents. No such situation will arise on the website. You will buy only what you need – an electronic MTPL policy.
An electronic MTPL policy cannot be lost or damaged. You can always print a new e-MTPL policy. A paper form can be accidentally spilled with coffee, left on the street or it can be stolen. In all these cases, you will have to go with the documents to the office of the insurance company for a duplicate.
If this happens, bring your passport and driver’s license to confirm your identity. The broker may ask for a vehicle registration certificate or diagnostic card.
There is no shortage of forms . Sometimes the insurer does run out of forms and can’t order new ones because they’ve run out of quota. If you are denied insurance due to a lack of forms, obtain an e-policy on the company’s website.
Online calculation of the cost of e-MTPL insurance. To choose the most profitable insurance option, use the calculators on the insurers’ website and make preliminary applications for the calculation. The results of online calculations may differ from offline, but this way you can save time on traveling to the offices of insurance companies and listening to the entreaties of insurance brokers. At home, in the comfort of your own home, you’ll make an informed decision.
A paper MTPL policy seems more reliable, but that’s a myth. It’s just that everyone is used to the paper format, and not everyone has an electronic one. In a few years more drivers will switch to e-POLicy. The electronic policy will be more common and more familiar.
Instructions for obtaining an electronic MTPL policy
Do not hurry to go to the office of the insurance company, try to draw up an electronic policy of MTPL. It is easier than it seems. The procedure will not take much time, the original documents will not be required.
Choose an insurer. As of January 1, 2017, insurance companies are required to offer customers electronic CMTPL insurance policies online. If you cannot order a policy on the insurer’s website – it violates the current law. Do not trust this site – its owners may turn out to be fraudsters and sell fake insurance.
In order not to suffer from fraud, choose the insurer from the registry on the website of the Russian Union of Motor Insurers. If the company is in the register, it means that it has a license for compulsory insurance of motor liability. When you choose a company from the register, click on the link – it will take you to the registration page on the official website of the insurer.
How do you check the authenticity of a previously purchased policy? Call the insurance company – the telephone number should be indicated on the site. Ask the company representative to check whether your policy is included in the register; to do this, dictate its number and series. If the manager will confirm that you have a policy, it is authentic. If not, it is a fake. If this is the case, call RAMI at +7 (495) 641-27-85, 8-800-200-22-75.
Register on the website. When you register, the insurer will ask for your contact information: email and cell phone number. Some may ask for passport and car information right away.
Double-check carefully if the information is correct. A confirmation code will be sent to your mail or phone number. Enter it on the registration page. After you confirm your contact information, you will get access to your personal account on the insurance company’s website.
Prepare your documents. You don’t need the originals; copies will do, so you don’t need to take their driver’s license to get your loved ones on your insurance. If there are no copies, ask to take photos of the documents and send them to you, for example, in one of the messengers.
To fill out the MTPL form, you will need:
- a passport;
- A driver’s license;
- Certificate of registration of the car;
- Passport of the vehicle;
- A driver’s license of those whom you will add to the insurance;
- A valid diagnostic card.
If your car is less than three years old and you do not work in a cab, a diagnostic card is not useful. Otherwise, you will have to pass a technical inspection and get a valid diagnostic card.
Fill out the virtual form. Prepare the documents and be patient – you will have to fill in a lot of fields.
- Full name and date of birth
- Passport series, number and date of issue
- series, number and date of issue of driving license
- Address of permanent registration
- make and model of automobile
- year of manufacture
- engine power
- series and number of license plate
- VIN-code, body and chassis numbers
- license plate
If your car is more than three years old, you will need the registration number of the diagnostic card, the date it was issued and its expiration date. If you are adding other people to the policy, you need to include their details as well.
Double-check all the fields before you submit the form.
Have the insurer verify the form. The insurance company will check the form through the RAMI automated information system. If the information is not confirmed, the insurer will send a notification with a list of mismatches to your email. To get the policy, you will have to correct the information and re-check with the insurer.
Do not give incorrect information to lower your premium. Do not change your age, driving record, or history of accidents on the road. Don’t underestimate the number of people who have driven your car or the size of its engine. Your fraud will be discovered when the insurance claim comes due. The insurer will refuse to pay out the insurance money if he finds the incorrect data on the MTPL form. Then the person who caused the accident will pay the damage not the insurance company, but the one who caused the accident.
The cost of insurance also depends on the bonus-malus. Bonus-malus is a coefficient that decreases or increases the cost of the insurance policy depending on the history of insured events.
Pay for e-MTPL. Insurance companies offer to pay with a bank card, sometimes with e-money.
Do not forget about fraudsters. Before you enter the payment information, check whether the payment page is secured. The address bar should have a padlock symbol.
There is no padlock on the page.
The page is not secure, which means that your payment data could fall into the wrong hands. Cancel the dangerous payment and choose an insurer with a secure site.
There is a padlock on the page.
Feel free to pay for your MTPL policy. After payment, it will come in PDF format to your email and will appear in your personal account on the insurer’s website.
Print out the policy. Put the printout in the glovebox of your car. If you are stopped by the traffic policeman, he will check your e-MTPL policy through the system of the Ministry of Internal Affairs or the RAMI service by the VIN number of the car. The inspector may ask to see the printed version, and if it is not available, you will be fined 500 rubles.
How to issue a MTPL policy online, step by step instruction
More and more familiar and accustomed to us things are becoming electronic. Over the Internet we pay utility bills, order documents and even in stores can not take out the card from the purse, but attach your phone to the reader terminal. “MTPL insurance has also been “digitized. The law, according to which motorists can issue a MTPL policy online, was adopted back in 2015.
How to make an electronic policy online and how to use it in the future? Is it possible to insure a car online without running into fraudsters? We will tell you in this article.
What is an electronic policy of MTPL insurance?
The electronic policy for CMTPL insurance is an analogue of the standard paper document, which has the same legal validity. The only difference is that it is possible to make a policy through the Internet, without leaving home – it is enough to connect to the Internet, a computer or even a smartphone. Since the insurance is electronic and is issued remotely, it has no paper version: neither a printed contract, nor the certificate from GHOZNAK itself. But if necessary, you can print it out (for example, in case you need the policy in a place with a poor Internet connection). At the same time, in order to insure a car (MTPL), you will need the same initial data: PBM, type, capacity of the car, the experience and age of the parent, the region in which you live, etc.
Those who have arranged CMTPL insurance online receive a PDF file to the email that was specified in the application. The document is practically the same as the standard form received at the insurance company: all the same fields and data you entered, color or black and white background, somewhat simplified due to the lack of the need for a protective micro-ink.
An important addition is the unique series of each document – XXX. In addition, the information in the insurance policy has expanded – now you can find your full name, car model and brand, as well as the list of allowed drivers and the cost of your vehicle.
Advantages and disadvantages of the electronic policy
An electronic document has a number of advantages. For example, the electronic CMTPL policy cannot be lost, forgotten, torn or stained. Only its paper copy. And the original will always be on your mail in PDF format and you can print it out as much as you want.
In addition, when checking the authenticity of the document is quickly confirmed by the entry in the register of RAMI, so the insurance can be shown simply on the phone or tablet. And it takes no more than 10 minutes to draw up a CMTPL insurance policy online, and you don’t have to look for an insurance company branch nearby. Because of this, it can be issued at any time of the day and from anywhere in the world if you have access to the internet. And electronic services allow you to immediately calculate the cost of the document.
So far, there are two significant drawbacks to this service. Unfortunately, not all Russians today have sufficient experience with electronic documents. Therefore, for some people an electronic CMTPL policy may simply be unavailable. In addition, there is always the possibility of getting into a fraudulent site – they often copy the originals completely except for one or more letters or numbers in the address.
MTPL policy through the websites of insurance companies
How to make an electronic policy through the Internet? It’s as simple as that. In order to insure your car over the Internet for MTPL insurance, all you have to do is go to your insurance company’s website and fill out an application. As a rule, there you can also calculate the cost of your insurance.
So how to insure a car without leaving home? To begin with, take a look at the list of insurance companies that provide electronic insurance. All of these firms are members of the Russian Union of Motor Insurers, and therefore operate under the law and are under the supervision of the state.
Before you apply for MTPL insurance online, calculate the cost of your insurance. To do this, there is an online calculator on the portal of each insurance company. Enter all the necessary information about your car – make, model, year of manufacture, engine displacement and so on. You will also need your personal information, including gender, age and driving experience. If you plan to add other drivers to your insurance, you will also need their information.
The system will then give you an estimate of the cost of insurance for your car. If you are satisfied with it, you can proceed to the registration of the application.
In order to issue an electronic policy for MTPL insurance online, you need to register on the website of the insurance company, following the prompts of the system;
Go to the section E-MTPL insurance and proceed to the registration of an application. You will again need to specify the data of your car – make, model, year of manufacture and modification;