Most recently, all citizens of the Russian Federation got the opportunity to get an insurance policy without leaving home. To insure a car, it is enough to fill the online application. The design procedure is quite simple and significantly saves time, as it does not have to stand in the queue. But during the submission of online applications, it is necessary to comply with clear rules for design.
Electronic policy OSAGO - what is it?
Absolutely every car enthusiast must have a policy of compulsory insurance of civil liability of the owner of the vehicle. It should always be kept in the glove compartment of the car to present law enforcement agencies at the time of the insured event. Move on the car without the CTP is strictly prohibited.
An early such policy was necessary to issue in an insurance company, but that drivers did not lose precious time, this procedure was simplified. Now the insurance document can be obtained using a computer and the Internet. The policy that you have issued yourself by filling out the questionnaire on the site is called electronic. It has absolutely the same legal force as the usual policy, decorated in the insurance company.
Advantages and disadvantages of electronic policy
Many motorists have an online procedure for placing the policy caused a skeptical attitude. Some believe that you can run into fraudsters. But insurance companies advocate for a complete transition to the electronic system, as this makes it possible to reduce the amount of work of insurance offices.
The advantages of the electronic policy:
- no need to go to the office and sit in line;
- on all the sites of insurance companies, there is an electronic calculator where you can calculate the cost of insurance and choose such what it will be suitable (for this you need to specify the brand and year of the car);
- insurance agent can not you impose unnecessary additional services;
- if the policy was lost, it can be printed again;
- filling the online form is very simple and clear;
- payment is also available in electronic form (it is enough to have a Visa or MasterCard).
Despite the significant advantages of the electronic registration policy, in the procedure has its drawbacks:
- often sites of insurance companies "freezes";
- many people are afraid to specify details of your bank card;
- insurance companies to attract customers, reduce the cost of insurance, thus provoking mistrust in people.
insurance application procedure
First of all, you need to choose a proven insurance company (Rosgosstrakh, Alpha Insurance SOGAZ, etc.). On the credit card, you must have sufficient funds to pay for the policy. Now go to the registration procedure:
- register in the personal office of the site (you must specify the e-mail and set the password);
- "Buy CTP» click on the dialog box;
- a calculator to calculate the cost of the policy;
- fill out a questionnaire, which will offer you a website;
- pay policy with a bank card or a payment system;
- received the policy by email, it is better to print (if the letter does not come for a long time, check the folder "Spam").
If at the time of filling the application, the site gives an error, try to repeat the process later. All data that you specify must be accurately checked, do not allow errors or typos.
Electronic health insurance
To replace the traditional paper policy comes a modern plastic card. This card is very convenient to carry in a purse or bag, and immediately provide medical institutions, if necessary. But the policy can be obtained if you contact your insurance company personally. To receive an electronic medical insurance policy required the following documents:
- passport;
- insurance number of the individual insurance account.
During the design of the electronic policy beware of scams. The authenticity of the received insurance can be checked on the official website of the Russian Union of Insurers.
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