Car enthusiasts can relax and celebrate an important event - the vast majority of insurance companies have begun to issue an electronic OSAGO policy. That is, you can forget about queues and get a policy in any convenient place, for example, at work, sitting in front of a computer. Only now you have to check the list in order to know which insurance companies issue an electronic OSAGO policy. If there is no trusted company among them, then you can order the service in the usual way or choose another insurer.
The situation in practice
The process of obtaining the necessary documents is simplified every year. But it is too early to say that queues are a thing of the past. Many motorists deliberately ignore the need for an insurance policy. The penalty for its absence is not yet very high, so drivers prefer to drive without it at their own risk. In doing so, they endanger their own safety and the safety of their car. It is dangerous to rely solely on yourself, because an accident can be caused by the fault of an oncoming car, but no one will pay you anything, since there is no insurer!
In 2015, innovations took place in the insurance field, and the MTPL policy was allowed to be issued remotely. This made the procedure less formal and simpler. In fact, the driver provides all the data on his own, and the system substitutes them into the formula to calculate the total amount. It turns out that the process becomes as transparent as possible and the driver sees how the result is formed.
At the same time, you can also choose where to issue an electronic OSAGO policy. You can be at home, at work, or traveling. The main thing is to have a computer, tablet or phone with Internet access. And, of course, you will have to choose the insurance company on whose services you rely. If you have been taking out insurance for a long time, then you probably remain loyal to one company. Is it on the list of companies issuing an electronic policy? If there is, then everything comes out much easier, since you know who you are dealing with. Otherwise, you will have to choose a new company or issue a policy in the old fashioned way, offline.
Is there a difference?
First, let's figure out what an electronic policy is? Its powers are not reduced in any way when compared with the paper counterpart. It is mandatory to insure a motorist in case of an accident occurring through the fault of the insured, if there is damage to the victim's car or harm to the health of another person. Thus, the OSAGO policy guarantees you protection if such an unpleasant event happened through your negligence. This allows you to feel more confident in material terms, since the policy is compensation for losses. The amount of such reimbursement, of course, varies. So, harm to the health of the victim can be compensated in the amount of up to 500 thousand rubles. If the car is damaged, then the amount of insurance is limited to a limit of 400 thousand rubles.
How to buy?
So, an electronic policy can be bought in a company that geographically belongs to the region of residence of the motorist. This is an important point, since the process of obtaining compensation is simplified, and cases when the search for insurers goes outside the region are excluded. There is no extra charge for online registration. On the Internet, the calculation of the cost of insurance is carried out at the same basic rates in force throughout the country. Further, there is an adjustment for the region of residence, type of vehicle, age and experience of the driver. All data must be entered on the website of the insurer. It is not difficult to find it, you can first visit the sites of the Russian Union of Auto Insurers, where there is a special tab dedicated to the registration of OSAGO. Here you can see which insurance companies issue an electronic MTPL policy and make a choice. 
How is the registration going?
So, you decided to try out the new product and take out insurance via the Internet. What are the advantages of this choice? First, you will save time. After all, you can do without queues and standing in traffic jams.
Secondly, get your policy in a very convenient form. Electronic OSAGO can be stored in your phone, tablet. In principle, you can simply write down the policy number for yourself and simply call it to the inspector who can punch the number through the database.
Thirdly, when registering OSAGO via the Internet, the price does not suffer in any way. You pay the amount that came out when calculating through the form. No commissions, duties and other charges.
For registration, you need to look through the list and find out which insurance companies issue an electronic OSAGO policy. The initial algorithm is the same on almost all sites - you need to register in your personal account on the company's website. Here enter the last name, first name, patronymic, as well as gender and passport details. Contact information will be required, namely a telephone number and mailing address. And at the next stage, it is especially important which insurance companies issue an electronic MTPL policy and what sample insurance application must be filled out. They may vary slightly. 
Let's consider an example
Once you have access to the sample insurance claim, the boring routine of entering data into the required lines begins. To help a novice computer user - a drop-down menu. In order, fill in the information about your car, using the passport of the vehicle. Then check your registration certificate and diagnostic card. At the end of the questionnaire there will be fields for information from a driver's license. The easiest way to fill in is to use the previous auto insurance to eliminate errors. There will be a pause after registration. During this time, the data will be automatically verified against the PCA database. During this time, the system will establish whether the specified documents actually exist. If everything is in order, then after verification you will be offered a form of payment.
The amount is calculated according to the existing tariffs. There is also a bonus system. In particular, if during the past insurance period you have not had any problem situations, then you will receive a 5% discount. Those drivers who drive consistently without incidents are entitled to an annual increase in the discount. Payment can be made in any convenient way for the client. But, naturally, everything happens online. When paying for insurance, the client can indicate how he wants to receive it. In the standard version, the policy comes by e-mail, but for lovers of the classics it can be printed out and delivered to the address indicated in the application form.
Where is it more often to issue MTPL online?
Rosgosstrakh stably remains among the leaders in car insurance. The lion's share of motorists turns to this company. First, it is a company with a name. Secondly, it is a proven quality. Thirdly, this is one of those companies that are innovators in the field. There are, of course, plenty of competitors, because today more than sixty organizations offer insurance via the Internet. If you decide to issue OSAGO online, Rosgosstrakh provides comprehensive information on its website. There you can also find news about changes in legislation and permissible amounts of damages. Conveniently, before filling out the application, you can calculate the cost of your insurance. Customers are also impressed by the fact that the site highlights the fields that have not passed the system check in a different color. You can make a printout of the mistakes made.
Golden mean
Other companies are also in demand. For example, it is worth buying an electronic OSAGO policy, which Sogaz offers. In the insurance market, the company has a high rating, and the trust of customers is growing every year. The site contains enough information about insurance, rates and bonuses. Before submitting an application, you can calculate the size of the total amount on a calculator. Clients are tempted by the opportunity to buy an electronic policy because the company does not boast of its status and does not have scandalous stories in the media.
Place your bet on fame!
Another organization that offers to issue an electronic OSAGO policy is proudly declaring itself. RESO is a fairly well-known company. Some clients praise the insurer to the skies, while others are skeptical, believing that they do not think about the benefits of the applicant here at all. So where is the truth? I must say that the interface of the company's website is quite simple and pleasant to the perception. There is comprehensive information on insurance, rates and possible errors here. There is also an algorithm for possible solutions to troubles. In the insurance section, the addresses of the support service are registered, so that no client will be left without consultation. If you have any questions about the errors that occur, then the answers can be received instantly. So, among other things, the electronic policy of OSAGO RESO draws up the fastest and easiest way. By the way, you can fill out an application in two ways - as a new client and as a client of RESO-Garantia.
Pros and cons of insurance companies
Speaking about popular companies, one cannot ignore the electronic OSAGO policy, which Ingosstrakh draws up. It is easy to navigate the website of this company, the system works perfectly, and all possible misunderstandings are resolved at the same moment. The information exchange with the base takes place very quickly. The site service invites the client to first get acquainted with the amount of insurance, and only then buy ("Ingosstrakh"). The client can choose the desired type of contract - conclude a new one or prolong the old one. It is worth noting that Ingosstrakh has very contact managers of the support group who promptly respond to calls. The client does not feel abandoned. On the website, you can discuss the possibility of delivering the printed policy to your home.
Not the most technically perfect is the electronic OSAGO policy, which Renaissance offers. There are quite a few complaints about the site interface and services of this company. But there are a lot of useful notes and news on the topic of auto insurance.
