Is it possible to buy OSAGO at SOGAZ online?

How to save money on motor third party liability insurance? This is not an easy question.
Tariffs are set by law, so there are many offers, and the difference in price is very small. And at the same time, a really large, reliable organization can provide favorable conditions. For example, as a reward for employees of their corporate clients.

About company

The Gas Industry Insurance Company was founded in Moscow more than twenty years ago. The dynamic development of this financial structure has made it possible to increase the volume of agreements concluded to 55 thousand within the first five years of operation. The amount of responsibility amounted to 20 trillion rubles.

SOGAZ holds a leading position in terms of the size of its own assets. Its authorized capital is over 25 billion rubles. In addition, the results of studies by independent agencies have shown that the reliability of the insurer is assessed as maximum.

To date, the amount of accrued premiums exceeds $ 100 billion.

The company's product line includes a wide variety of solutions for organizations and individuals. We are always glad to see clients in more than 600 representative offices located in seven regions of the Russian Federation. For adherents of information technology, the opportunity to receive services online has been implemented.

Policy rules

Based on the norms of the legislation, SOGAZ specialists have developed the main provisions for the contract for the protection of the risks of the onset of motor vehicle liability. First of all, you need to pay attention to the order in which the signing, changes and termination of relations take place.

Fundamental rules:

• The period of validity of the agreement is one year, except for vehicles registered in another country and used temporarily in the Russian Federation, as well as those following to the place of registration or technical inspection.
• The contract is concluded in relation to the owner of the car and the persons marked in the list of admitted to driving, or an unlimited number of drivers, if such is agreed separately.
• Prolongation is carried out by issuing a policy for a new term.
• Termination of the contract with the payment of a part of the premium proportional to the unused period can be implemented in the event of the death of the owner, closure of the insurance company, as well as the sale or loss of movable property.
• The money will not be returned if the client, which is a legal entity, has been liquidated or if inaccuracies are found in the information provided to determine the degree of risk.
• It is necessary to provide the personal data of the owner and everyone who will get behind the wheel of the car.
• Within 3 days, the policyholder is obliged to transfer to the company information about the received license plate.
• An identity document is an insurance policy, its form is approved by law and is uniform throughout the territory of the Russian Federation.
• Issuance of documents takes place within one day after payment for the service.
• The duplicate required in case of loss of the original papers is provided free of charge.
• The choice of a partner is on a voluntary basis, while the company does not have the right to refuse the user who has contacted the official one.
• The policyholder submits documents in accordance with the list established by regulatory enactments.
• The client is fully responsible for the completeness and accuracy of the transmitted data.
• When concluding a re-agreement, the originals of official papers are not required.
• The company can exercise the right to inspect the vehicle.
• When changing the insurer, together with the application for the conclusion of the contract, it is necessary to provide information about the old policy received from the previous organization.
• Early termination of the fulfillment of obligations by the insurance company is possible in case of revealing inaccuracy of the information provided by the customer, affecting the degree of risk and, consequently, the price of the contract.
• The client can terminate the contract if the company has been deprived of the license to carry out insurance activities or the owner of the car has changed.

Payouts

The legislation on OSAGO guarantees compensation for harm caused to the life and health of victims in an accident. In this case, the culprit is not the recipient of the compensation. Its benefit from obtaining a policy is the release from the need to pay for the victim himself for treatment and restoration of the car.

Coverage of losses is possible within certain limits:

• 400 thousand rubles for damaged property;
• 500 thousand rubles for medicines and medical services.

Price

The contract price consists of the base tariff set for each specific type of vehicle and several correction factors. All values ​​are approved by an official letter from the Central Bank of the Russian Federation.

The odds are calculated taking into account the following indicators:

• the region of preferential operation (as a rule, it is determined by the registration address);
• availability of reimbursements in previous periods;
• the number of drivers approved for use, their experience and age;
• vehicle engine power;
• type of trailer (if any);
• period of use of the car;
• insurance interval;
• committing unlawful actions, such as providing false information that affects the amount of the premium, deliberately facilitating the occurrence of an insured event, driving while intoxicated with alcohol or drugs.

Europrotocol

Often, road traffic accident participants have to wait long enough for the arrival of a traffic police squad to complete the necessary papers. To save time, in some cases it is allowed to fill out the forms yourself.

This is possible under the following conditions:

• life and health of drivers of passengers is not threatened by anything;
• the accident was the result of a collision of two cars, other property was not damaged;
• both persons who were driving the above vehicles at the time of the accident have valid OSAGO policies;
• there is no disagreement about the circumstances of the incident and no list of damages.

To prepare the Europrotocol, proceed according to the following algorithm:

• take photographs;
• fill out the notice that is issued upon signing the protection agreement;
• transfer the papers to the insurance company within 5 days.

The amount of compensation for an accident registered in this way does not exceed 50 thousand rubles.

If the accident is recorded by technical means of control, then in several regions the amount reaches 400 thousand.

The list includes:

• Moscow;
• Moscow region;
• St. Petersburg;
• Leningrad region.

In addition, since 2017, requirements have been made to the traffic rules for the prompt release of the carriageway from vehicles in an emergency, if the health of the participants is not damaged. Drivers whose cars obstruct traffic face fines.

Is it possible to buy OSAGO at SOGAZ online?

The company's website has not yet implemented the possibility of issuing an electronic policy. And at the same time, it is in the work plans for 2017. Today, only a calculator is available that allows you to find out the price without visiting the office.

Payment

First of all, the following data about the car is entered into the proposed form (some simply choose from the drop-down list):

• brand, model;
• year of issue;
• equipment;
• price;
• mileage;
• purpose of use;
• insurance period;
• the number of drivers, their age and experience.

After filling in, the system will familiarize the user with the preliminary price of the service and offer to continue the calculations, taking into account the presence or absence of insurance payments in previous periods.

To do this, you need to add information:

• Full name, age, gender of persons admitted to management;
• numbers and series of their driver's licenses;
• the start date of the policy.

Based on the results, the system will determine the bonus-malus coefficient and acquaint with the resulting cost of the OSAGO.