Experienced car owners know that there is no Osago policy. You can get behind the wheel of a car, you can with a driver's license, having documents for the machine and the policy of compulsory autocarted insurance. Newbies - car enthusiasts are often puzzled, whether it is necessary to issue such a document how to do it and what "pitfalls" can wait for them on this path.
Osago Polis: What is he?
Under the policy of CTP imply a document - an agreement with the insurance company. It is simply visually distinguished from other insurance: it has a watermark, the format of its slightly more than standard A4, and the red splashes and the metal strip will easily indicate the originality of the document.
OSAGO refers to mandatory insurance and its absence is punishable. If the car was only bought, then it is necessary to insure it within 10 days.
You need to closely monitor the expiration date of the document. Already a month before this date, you can contact the insurance agents and reorganize it. Usually the CTP is drawn up for a year, but the term can be reduced to 20 days at the request of the car owner. This is relevant if you just need to overtake the car to the new owner or conduct a technical inspection.
There are two main types of such insurance depending on how many people can control cars:
- limited number (in the document the number is written exactly, not more than 5 people);
- without restriction.
According to the temporary principle, three-month, semi-annual and annual policies. You can get a document not only in paper form, but also in electronic.
We make a choice: paper or electronic policy?
Before deciding how to make an assistant, it is necessary to determine its type. Each of the two options has its pros and cons.
The paper option causes more trust in the auditory authorities. It can be viewed immediately by taking into hand. Weightful circumstance - the possibility of registration for a new car.
At the same time, disadvantages - the need to spend a lot of time on paper rolls when designing. Often during this process, car owners lacking forms and have to wait for their turn. Also a substantial minus - campaigning insurers to buy additional insurance.
If we talk about the electronic policy, then its advantages:
- availability;
- time savings when designing;
- lack of personal contact with representatives of the insurance company.
Cons are significantly significant:
- You will need time for verification.
- You can get fake insurance if you buy it in scammers online.
- Technical failures are possible, which can lead to the fact that the car owner will miss the extension date of the insurance.
But the biggest drawback is such a policy impossible to issue a new car.
From this it follows that the beginners are best to choose paper insurance, and those who are already in the database can be thought of the electronic version.
How to Make Osago: Paper Polis
If a paper version has been chosen, then you will need to visit the office of one of the insurance companies. At the same time, it is necessary to capture documents with you:
- Passport of the car owner (copy).
- Passport auto and registration certificate.
- Driving license and its copy (all those who will manage transport).
- If the machine is more than 3 years old, the last inspection is required.
- Last policy, if anyone is.
Also included in the statement of a certain sample.
After studying information, the insurer will make the calculation of the amount, will prepare a contract and provide a receipt for payment.
It will be useful to know that the car owner may cancel the agreement within 14 days. This time has the name "Cooling period". In this case, the funds will be returned to their owner.
How to Make Osago: E-Policy
Electronic motorways is only gaining its turnover, because not all insurance companies can boast of its design.
The algorithm of actions will be simple:
- go to the site of the insurance company and register;
- visit "Personal Account" and fill in graphs;
- after the insurer is verified by the truthfulness of the data, the car owner will receive a confirmation code;
- enter data data and calculate insurance;
- make data to the application;
- pay the amount.
After payment, the document is considered valid. It is best possible to print at once so that there are no conflict situations with the traffic police representatives. If suddenly the printout is lost, the document will always be in the "Personal Account".
For authorization you can also use the "State Service" portal. This will significantly speed up the process, because it will not be necessary to be registered.
Without an OSAgo, the driver will not be comfortable to ride, because the design of such insurance is the first priority. The design process is easy. The main thing is to find a good insurance company and a favorable offer.
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