The Presidium of the Russian Union of Auto Insurers (RSA) at a meeting on April 21 this year. approved the draft of a new form of the CTP policy. This was announced at a press conference following the results of the presidium by Igor Yurgens, President of the Russian Union of Auto Insurers (RSA) and the All-Russian Union of Insurers (ARIA).
He clarified that for the first time since the validity of OSAGO, the color of the policy form has been changed - from green to pink, the degree of its protection has been significantly complicated.
“The background of the letterhead has become complex - it features graphic shapes and a color stretch between yellow, pink and lilac colors. For two-layer forms, the tear-off will be purple. The font has been changed, the size and location of the watermarks have changed - the images of the car will be visible in the center, and the PCA logo will be seen vertically on the sides. A metallized thread of a different size will be built into the policy and it will be located in another part of the policy, the inscription “OSAGO” will be visible on it, and “policy” will be visible on the light, ”said I. Yurgens.
“According to Goznak, it will take at least 2 years for the fraudsters to make a forgery only in terms of repeating this thread,” the head of insurance unions said.
A place for a QR code will appear on the policy form in the upper right corner. The QR code is planned to be dynamic. At the initial stage, when shipped from Goznak, the QR code will contain information about which company the form has been shipped to, and later it will be supplemented with data on the car owner, his car and all the information contained in the AIS RSA database.
Form form insurance policy OSAGO, approved by the regulation of the Bank of Russia dated September 19, 2014 No. 431-P "On the rules of compulsory insurance of civil liability of vehicle owners", is currently unchanged, but in the future we are talking about supplementing the form with information about all the components that make up the price OSAGO, including the amount of discount / premium for accidents (bonus-malus coefficient, KBM).
As I. Yurgens specified, all the costs of replacing the policy forms will be borne by insurance companies. At the same time, the cost of manufacturing a new sample policy form will increase slightly - by less than 1 ruble. For an insurance company, the cost of manufacturing a single-layer form of a CTP policy will be 5 rubles 10 kopecks (now 4 rubles 78 kopecks), a two-layer form - 6 rubles 57 kopecks (now 5 rubles 98 kopecks).
As previously reported, the replacement of the forms of CTP policies is scheduled for July 1, 2016. To meet the demand for new forms, a quarterly supply of policies will be required, an agreement on providing this volume with Goznak has been reached, said I. Yurgens.
REFERENCE
Stages of preparation for the replacement of CTP policy forms
1. The PCA Board on February 4, 2016, having considered at the meeting the proposals of FSUE "Goznak" to change the degree of protection and appearance MTPL insurance policy forms, decided to create a Working Group to prepare proposals for changing the degree of protection and appearance of MTPL insurance policy forms (hereinafter referred to as the Working Group). The working group was instructed to prepare proposals for changing the degree of protection and the appearance of forms of insurance policies for OSAGO.
2. On February 11, 2016, the Presidium of the PCA considered the issue of the fact that when the degree of protection and appearance of the forms of MTPL insurance policies changes, the cost of forms of MTPL insurance policies will be increased, and also heard information about the creation of the Working Group of the PCA Board. The RSA Presidium announced the information on the replacement of the forms of the CTP insurance policies from July 1, 2016.
3. By the working group of the PCA Board during the meetings in February - March 2016. jointly with Federal State Unitary Enterprise "Goznak", proposals were prepared to change the degree of protection and appearance of forms of insurance policies for OSAGO:
- changed the color, font, series, number of the form, modernized watermarks and metallized security thread;
- in the upper right corner of the form there is a place for a QR code, while the form of the CTP insurance policy approved by the Bank of Russia Regulation No. 431-P of September 19, 2014 "On the rules of compulsory civil liability insurance of vehicle owners" does not change.
4. By the Board of the RSA 03.03.2016. considered color layouts of forms.
5. By the Board of the RSA 03/17/2016. Approved draft paper designs with a modernized watermark and a metallized security thread design.
6. By the Board of the RSA 04/01/2016. the draft designs of one-layer and two-layer blanks presented by FSUE "Goznak" in the RSA on 25.03.2016 were taken as a basis. On the indicated draft designs, the PCA Board sent comments to FSUE "Goznak" for revision of the sketches.
7. FSUE "Goznak" 13.04.2016 the finalized draft designs of the forms are presented. According to the submitted revised sketches, materials were prepared and sent to the PCA Presidium.
Until the end of September, insurance companies can still issue OSAGO policies on old green forms, and starting from October 1, 2016, insurers will be obliged to produce "car insurance" only on new pink insurance policy forms. TASS writes about this with reference to the Russian Union of Auto Insurers (RSA). Hnew form of "insurance" CTP from October 1, 2016 (download sample).
If the car owner on October 1 turns to the insurance company, its agent or broker for the purchase of an OSAGO policy, and it will be issued on the old "green" form, then it will be illegal. It can be assumed that the car owner is being sold a fake.
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Recall that until October 1, there is a transitional period for issuing OSAGO policies, which allowed the use of both new and old forms of documents. The PCA noted that russian insurers have already been provided with a sufficient number of new forms of OSAGO. In total, more than 14.5 million forms were transferred, which is comparable to the quarterly market demand. "After the end of the transition period, insurers will have to take an inventory of old forms and destroy them, and submit a report on this to the PCA," the PCA press service said.
At the same time, OSAGO in the near future will be: in particular, the power factor when calculating policy tariffs is proposed by the factor traffic violations, and in insured events - let the victims choose the workshop. The division of OSAGO into three classes, depending on the limit of payments, was active earlier, but it is still being introduced.
Let us remind you that the need to replace the forms is caused by the high level of counterfeit policy forms on the market. The number of fakes can be as high as three million. These fakes are often made in factories that specialize in the production valuable papers in neighboring countries.
Now more than 14.5 million new forms have been shipped to insurers. This should be sufficient for smooth operation.
On October 1, insurers are required to take an inventory of old forms and destroy them, and submit a report on this to the PCA. Old-style OSAGO policies issued before this date will be valid until their expiration date. So you don't have to exchange them. The novelty does not increase the cost of the policy.
What does the new form of "insurance" OSAGO look like from October 1, 2016 (sample)
New forms should provide a high degree of security. According to the expert assessment of Goznak specialists, it will take from one to two years to prepare a high-quality counterfeit of a new policy form.New form of OSAGO (sample October 1)
quite noticeably different from the old one. Firstly, it is made in a different color scheme. Instead of the usual blue color, now - pink form of CTP.
On the front of the letterhead, in its left part, there is a wide curly metallized thread. Periodically repeating words "OSAGO" and a "rhombus" shape, which are pink in color, are located on the thread. And in the light on this thread the word "policy" is read.
The very name "insurance policy", series and number, as well as the inscription "compulsory insurance of civil liability of vehicle owners" are located one under the other in the center of the policy form.
Series and numberingmade in a high way of printing with red ink. Watermarks are visible in the light: the broken line on the left in the area of \u200b\u200bthe metallized thread, the PCA logos, the image of a car with a shield.
There is a free space in the right corner for applying a QR code. This is an icon that can be read by any smartphone, if it has a special program, and also has access to the Internet at the moment.
The cost of making one pink form has hardly increased: now insurers pay 4 rubles 78 kopecks for the policy, but they will pay 5 rubles 10 kopecks, for a two-layer one - 6 rubles 57 kopecks instead of the current 5 rubles 98 kopecks.
It is unlikely that anyone will be surprised by the information that the cities of Russia are overflowing with fake insurance sheets for OSAGO. They could be purchased literally "at any intersection" without any problems. But you need to understand that a "piece of paper" of such a plan does not bring absolutely any benefit to the owner of the counterfeit or to the state.
At the beginning of this year, it was decided to change the form of the insurance policy. We will tell you in detail what it looks like new policy OSAGO 2016.
Basic information about the new CMTPL form
Let's make a reservation right away: car owners shouldn't worry about increasing insurance costs. Its cost will remain the same as last year.
On the updated policy form, there is space for new fields in which additional information is entered.
- A special code (QR) that fits an identification number, confirming the authenticity of the document. It contains information about the company that issued the official paper.
- Field indicating discounts for trouble-free traffic through the city streets.
The updated form was put into effect on July 1, 2016. But the old-style policies will also still be valid. Responsible persons of PCA came to the conclusion that it would be more logical to replace old insurance forms with new ones gradually. Complete replacement motorists' policies for new forms will end, presumably, by November of this year. In cases where a change in an already executed contract is required (introduction of one or more new persons who will be entrusted with driving), vehicle owners will automatically be issued a document on a new form.
What will the new policy look like?
When obtaining a MTPL policy 2016, it is important to pay attention to the following innovations:
- the green color of the old-style letterhead has now been replaced by pink
- smooth background transition colors from yellow to dark pink
- new patterned graphics
- as the main protection new insurance endowed with larger and more complex configuration watermarks; their placement on the field is also changed
- in the light in the watermarks the contours of the car are visible
- insurance sheet format is one centimeter longer than A4 sheet
- the PCA watermark is located vertically on the sides of the sheet
- a larger, easily readable font.
The new form contains a place for a metallized strip, on the surface of which the "OSAGO POLIS" is read in the light. This precautionary measure ensures that the document is protected from counterfeiting. In artisanal conditions, it is impossible to equip paper with a metal thread.
March 09. Following the meeting of the Presidium of the Russian Union of Auto Insurers, an unprecedented decision was made to massively replace CTP policies throughout the country. Including valid policies. PCA decided to produce this replacement until July 1, 2016.
This announcement caused panic among motorists. In this connection, the Russian Union of Auto Insurers explained that emergency replacement there will be no CTP policies. The replacement will be done gradually. However, it was also noted that from July 1, 2016, traffic police officers will check old OSAGO policies against the RSA database. Therefore, those drivers who do not want to waste time in case of a stop by traffic police officers, RSA advises to replace the policy with a new one in advance.
The central bank also responded to the rising panic with a message that there will be no one-time replacement for new ones. The replacement will be done gradually.
The reason for such a significant change, according to RSA, is the fight against counterfeit insurance policies. According to some reports, in 2015, cybercriminals sold about 5 million pieces of counterfeit policies and about 1 million are still sold online.
The average cost of a fake policy in Russia is about 1,500 rubles. It is noteworthy that some drivers purposefully purchase such policy forms, hoping thereby to save money on MTPL. However, there are those who, having bought a fake policy, do not know about a fake.
Reference! The use of a forged document in the Russian legislation provides for criminal liability. But for the driver, criminal liability can arise only if he knowingly knew that the policy form was fake and used it.
However, those who do not know that his policy is false run the risk of getting very big trouble. So, in the event that a driver with a fake MTPL policy gets into an accident through his own fault, he will be forced to pay the damage out of his pocket. Plus, such a driver will be forced to pay a fine for driving a vehicle without a CTP policy.
Replacement of OSAGO forms is a forced measure. Recall that in the near future, photo and video cameras will begin to check for the availability of CTP policies. In the event that there is no policy in the automatic database, the owner vehicle a fine will be sent. Currently being finalized software, which will link the traffic police database and the RSA database.
How the new forms of CTP policies will look like
According to the decision of the Russian Union of Auto Insurers in order to combat counterfeit policies, the new forms will be printed by the State Sign and will have modern levels protection.
According to the PCA, the replacement of old forms with new ones will take place gradually. The old forms will continue to operate after July 1, 2016, but the verification of documents by the traffic police will take more time, since the authenticity of this document will be verified by accessing the PCA database.
Will the current contract under the OSAGO policy rise in price when the form is replaced with a new one?
No, when exchanging the policy for new sample, the current insurance contract remains valid until the day of its termination. When taking out an insurance policy for new term the cost may increase, but this will be associated with the next adjustment of tariffs by the Central Bank of the Russian Federation.
As for the cost of the new security blanks. It will be higher than the current cost, but insurers have assured that these costs will not be passed on to the drivers. Therefore, one should not be afraid of a serious increase in prices for OSAGO after July 1, 2016.
A sample of a new protected OSAGO policy, the introduction of which is planned throughout Russia from July 1, 2016
Unfortunately, it is not yet known how the new form of the CTP policy will look like. As soon as information about the new policy appears, we will definitely update the information in this article, so stay tuned for our updates and you will always be in the know.
So, what is OSAGO? OSAGO stands for compulsory insurance civil liability. In Russia given view insurance was launched on July 1, 2003 and exists to this day. What is the essence of OSAGO? The principle of this type is the driver's liability insurance in case of damage to the property of third parties. This can be both harm to life and health, and property. As you already understood, this type is mandatory, and therefore for the absence of this policy are provided.
What is the payment limit for the OSAGO policy?If we are talking about causing damage to the property of several persons, then the maximum amount of payments in favor of the victims is no more than 400 thousand rubles. If harm is caused to life or health, then the victim is owed no more than 500 thousand rubles. Since the damage is estimated at below market value, this is often sufficient for most insurance claims. If the damage exceeds this amount, the victims of the accident can apply with a written claim or a statement of claim to claim full compensation for material and moral costs from the culprit.
What does an insurance policy for OSAGO 2017 look like?What does an OSAGO policy look like in 2017. Here I would like to note that an OSAGO policy can be either two-layer (self-copying) or single-layer. Outwardly, they are no different from each other, a single-layer policy has one page, a two-layer policy has two. A two-layer policy is provided for manual processing, a single-layer policy is issued, as a rule, at the offices of insurance companies. The insurance policy for OSAGO 2017 has several degrees of protection. Firstly, it is the serial number, and secondly, watermarks with the PCA logo and a metal tape that is clearly visible on the reverse side. You can check it using the PCA service.
Let's go through the pointsLet's start in order. For a more convenient perception, we will divide the CTP policy into points. Place for the seal of the insurance company. Everything is simple here. For example, if insurance Company Rosgosstrakh, it means that this place will have the seal of Rosgosstrakh. If the policy is Uralsib, then the seal of Uralsib. Also, the policy must have a series and number. The OSAGO series is either BBB (the oldest series) or CCC (a relatively old series), or EEE (the last series), recently only EEE has been used. The number is ten-digit.
Contract time. The term of the agreement is always 1 year, unless, of course, it is an agreement drawn up to follow to the place of registration. How to terminate the contract and return the money on the page "".
The validity period can be different and can be 3 months or half a year.
Paragraph 1. Insured. Any person can act as the policyholder, whether he is the owner or not, whether he has driver's license or not. We will describe the documents that will be required for issuing an OSAGO policy below.
To issue a CTP policy, the following documents are required.
- Passport.
- Vehicle registration certificate. Vehicle passport.
- A driver's license for everyone who will be included in the insurance.
- Vehicle inspection coupon (who still has it) or a diagnostic card.
- If possible, the previous OSAGO agreement. The old policy makes it easier to track your insurance history.
Acquainted with complete list documents, as well as explanations, you can on the page "".
Owner. Here everything is extremely clear who is the owner and is indicated.
Point 2. Vehicle. It's simple here too. IN this paragraph the brand model of the car is indicated, VIN number, state sign and registration documents of the car (either PTS-passport of the vehicle, or STS - certificate of registration of the vehicle).
Point 3. List of approved drivers. There are two options, it (the list) can be either limited or unlimited. You can read more about the unlimited list of drivers on the "" page.
Clause 4. Sum insured. In other words, payments in accident case... Currently, in new policies, this item is not. Since April 1, 2015, payments have increased significantly: for iron up to 400,000 rubles, for life and health up to 500,000 rubles.
Clause 5. What is an insured event.
Clause 6. Territory of the agreement.
Clause 7. Insurance premium... This field indicates the amount that the policyholder is obliged to pay to the insurance company. Please note that all companies should be the same, since the rates are set by law. If you want to calculate the cost of the CTP 2017 policy, you can use. If you are interested in the current ones, check out the additional information.
Clause 8. Special marks. This field indicates any additional Information regarding this insurance contract. Here you can indicate the number of the receipt that was issued with this policy or information on the previous policy or KBM. You can read more about what KBM is on the page "". Please note that this field is optional.
Date of conclusion and issue of the contract, signatures of the parties.
