The article is intended to provide answers to all questions related to the process of buying an OSAGO policy: what it is, what documents are needed to conclude an insurance contract, its validity period, how to correctly fill out an OSAGO policy, as well as the nuances of the procedure.
Terminology
OSAGO - type insurance document, which must be purchased by all car owners. This norm was introduced by law in 2002. It says that every vehicle owner must have a document, and its absence entails the inability to carry out notarized actions with the car. Also, the traffic police is authorized to fine drivers who cannot present a valid OSAGO policy during checks.
Individuals, individual entrepreneurs and legal entities the policy is purchased from commercial insurance companies that are authorized to enter into auto insurance contracts. These organizations operate on the basis of licenses issued by specialized bodies.
Until recently, the CTP policy was considered by many owners of the vehicle only as a formality, since in the presence of another policy - CASCO ( voluntary insurance) the main damage after the accident was reimbursed for it. This is because the amount of payments for compulsory motor third party liability insurance was small. It was more profitable to conclude a voluntary insurance contract.
However, that all changed with the introduction of many innovations in the period 2014-2015. Amendments to laws, changes in insurance conditions make the CTP policy not a simple formality, but a real tool that can be used in case of an accident.
But as always, the opinions of legislators and car owners were divided. If the former argue that with the entry into force of the new amendments everyone will only benefit, the latter are extremely unhappy with the serious increase in the cost of the OSAGO agreement.
Pros and cons of innovation
TO positive sides can be attributed:
- Development and implementation of an automated system that contains information about owners and accidents.
- Increasing the degree of protection of the insured.
- Providing large volumes of cash payments (now, under OSAGO you can receive compensation in the amount of up to half a million rubles).
- Introduction of a grading of car owners, which takes into account the total length of service and the period trouble-free driving... The driver, in whose favor no payments have been made, buys the policy at a lower cost.
- Less opportunities for insurers to "evade" payments on insured event.
The following points are considered as cons:
- Significant cost increase. If before CTP for base rate cost a couple of thousand rubles, now you will have to "fork out" for an amount almost twice as large.
- Introduction of "regional" tariffs. All constituent entities of the Russian Federation are now divided into "emergency" and "less emergency", increasing or decreasing coefficients are applied to them, respectively. And if you live, for example, in the Chechen Republic, then the final cost of OSAGO for you will be about 40% cheaper than for a resident of the Murmansk region.
How to correctly issue an OSAGO policy?
To sign a contract, you first need to choose a reliable insurer. Treat this issue responsibly, as in the future you will have to deal with her in insurance situations. And if the organization has a bad reputation or an unknown name, it is better to look further.
You will need the following set of documents:
- Passport (both yours and the owner of the vehicle, if it is not you);
- Driver's license (as well as the rights of all people who will be included in the contract);
- Valid vehicle maintenance;
- Technical certificate;
- Vehicle registration certificate;
- Old CTP policy (if you have already issued it before).
* If the car is purchased for the first time, then you are given a certain period of time during which you can drive without a policy. During this time, you need to have time to complete all the papers, otherwise there is a risk of running into fines.
How is the OSAGO policy filled out correctly?
After submitting all the papers, a special application form is filled out, in which you indicate:
- personal and contact information;
- owner data;
- vehicle data, as well as its characteristics;
- information from the vehicle passport;
- list of persons admitted to management;
- insurance period;
- special marks.
The form of the document itself, which is handed over to you after signing all the necessary papers, contains all the information from the application. We recommend that you carefully check both the contract and the insurance policy itself in order to exclude possible errors.
Our company is ready to offer itself to you as a reliable partner in auto insurance. At customer service great experience, transparent work schemes and a personal approach in the insurance situation. By insuring with us, you will be sure of quick receipt of payments, the absence of all sorts of "delays" and other "delays", which means that you will save your own nerves.
We provide a convenient option - buying a website on our Internet resource. You fill out the form, send a request, the system calculates itself approximate cost... If your data is already in a single database (you have already registered with an insurer), then you can buy a policy in the same company in a few minutes. And after a very short time, the option of the initial conclusion of an insurance contract online will become available. Now it has become even faster and easier to insure your car with the Internet services of our organization.
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You cannot drive a vehicle, this document, according to the Rules road traffic in Russian Federation included in the list of mandatory documents that must be with the driver. That is, it is impossible to operate a car without a CTP policy. In order to avoid mistakes, it is necessary to understand in detail the intricacies of filling out this document.
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Items for filling out the OSAGO policy
So, in addition to the caps and requisites that are mandatory for filling, the CTP policy contains 8 points:
- Policyholder, vehicle owner.
- Vehicle.
- List of persons admitted to driving the vehicle.
- Sum insured.
- Insurance case.
- Territory of the agreement.
- Insurance premium.
- Special marks.
Filling rules
The MTPL policy in the header has a place for the seal of the insurance company (respectively, the company with which the contract is concluded), such mandatory lines for filling as the series and number, as well as the term of the contract, it is noteworthy that the period is clearly defined up to hours and minutes. As a rule, this period is 12 months, but it can be reduced to six months or even 3 months (however, not all insurance companies go for this).
Paragraph 1
IN this paragraph contains information about the insured and the owner of the vehicle.
At the same time, any person is authorized to be the insured, regardless of the ownership of the car and the presence of a driver's license.
The person who is actually the owner of the vehicle is indicated as the owner.
Point 2
This paragraph provides comprehensive information about the vehiclein particular, make the model of the car, VIN number, state sign and car registration documents (either PTS-vehicle passport, or - vehicle registration certificate).
Point 3
This item lists the list of persons allowed to drive a vehicle. It is noteworthy to this point that along with the indication of a limited list of drivers, admission of drivers is allowed without restriction.
Item 4
Here we are talking about the sum insured, in other words, the amount of payment in accident case... This item may be missing in the policies of the new sample.
Item 5
This paragraph clearly regulates what refers to the insured event, this paragraph must be clearly understood, there can be no other options.
Item 6
Bears the name "Territory of the agreement". The territory of the Russian Federation is defined as the territory of the policy; accordingly, it extends its effect to the entire territory of the country.
Item 7
Insurance premium. Here is the amount that the policyholder pays to the insurance company for the insurance service. Tariffs are set by the legislator, so the amount of this amount should be the same for all insurance companies.
Clause 8
At this point, special notes are made. These include additional Informationwhich relates to this insurance contract.
In conclusion, the date of the conclusion of the contract is indicated, and the place where the parties sign the contract.
By hand or on a computer
A mandatory requirement has been established with respect to the OSAGO policy - it must be a form of a strictly defined sample.
Moreover, this form can be either single-layer or two-layer.
Moreover, in the first case, the policy must be printed on a computer, and in the second, the printed form is filled in by hand. Therefore, it is not legally determined in what form this document should be completed. However, if in doubt, the policyholder always has the opportunity to call insurance company and clarify whether this document is included in the company's database.
Features of filling
The specifics of filling out the OSAGO policy were previously discussed in detail according to the points in the section "Filling Rules". When receiving a policy, you must carefully check all the information entered into it. And also make sure that this information is true.
If you have doubts about the validity of the document, contact the insurance company to clarify the information. The steps to take when errors are found are outlined in the next section.
The above-mentioned federal law constitutes the regulatory framework on the issue of motor third party liability insurance, and is the main source of law in this industry.
However, the legislation in this area is in constant dynamic development, for example, the changes that came into force on March 1, 2009, provided for the procedure for direct compensation for losses, in which the car owner has the right to apply for insurance compensation to your insurance company (this remains a voluntary measure).
And these changes are not the final form of the federal law; in the last year alone, amendments to the regulatory framework on compulsory motor vehicle liability were made five times. As of today, the changes that came into effect on July 1, 2015 are in effect. These amendments provide for the purchase of an OSAGO policy via the Internet, that is, a form in electronic formhow this will work in practice will become clear a little later.
Fill errors
Probably, no one is immune from mistakes. Therefore, mistakes can be made when filling out the CTP policy. In this case, an error should be considered:
- discrepancy between the data in the policy and in the application;
- inaccurate determination of the insurance premium (error in tariffs);
- typos in any of the points of the policy.
What should be done if any type of errors is found in the OSAGO policy
First of all, you should definitely contact the insurance company, please note that the incorrect information in the policy is crossed out, the above is reliable information, new policy in this case it is not issued.
In the column "Special marks" there should be an entry "Believe corrected". The form with corrections is kept by the policyholder, a copy is kept by the insurer.
Also, motorists need to know that if the traffic police inspector finds an error in the insurance policy, no fine can be assigned to the driver, the only possible action on the part of the inspector in this case - to point out to the driver the mistake made, and send him to the insurance company.
So, all the main points of filling out the CTP policy are detailed above, attention is paid to all the pitfalls.
It must be understood that compulsory insurance civil liability is primarily aimed at protecting car owners, since it allows you to save a driver who is involved in a road traffic accident, first of all, from the burden of compensation for damage at his own expense. It will also significantly reduce nerve and time costs.
If we turn to practice, often car owners have to fight for the amount to be paid as insurance compensation in court. Therefore, in order to protect yourself, special importance must be attached to obtaining a CTP policy, filling it out, as well as all the nuances that exist in this matter.
Also, due to the fact that the legislation in this industry is subject to constant change by the legislator, motorists need to constantly monitor the state of this legislation today. In order for the norms aimed at making the driver's life easier to work for him and to protect him, you need to know these norms and monitor their constant dynamics.
Dear reader, our article tells about typical solutions to legal issues.
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Some time ago, a new service became available to all drivers in the country - the purchase of compulsory insurance online. This opportunity appeared due to changes in the law. Before buying, first of all, you need to pay attention to filling out the CMTPL policy in in electronic format... Most importantly, it is necessary to provide only reliable data.
Filling out OSAGO electronically online:
- The start time of the policy: the current time and period are indicated.
- The period of use of the car.
- Insured. The name of the buyer is indicated.
- Car owner: Enter the name of the car owner. The insured and the car owner can be either one or different people.
- On vehicle a trailer is used: you can check or skip this item.
- Brand, model, an identification number and the state sign of the car. We rewrite information from documents on the vehicle, in particular, certificates of state registration or technical passport.
- The main purpose of use. In most cases, "personal" is indicated, in others the most optimal option for the policyholder is chosen.
- Persons admitted to driving. Everything is elementary here, the full name of the drivers and the data of their rights are entered. If the number of people is unlimited, then dashes are put everywhere.
- Insurance premium. First, you need to calculate the correct cost of the document using a virtual calculator and write down the amount in numbers, after the price in parentheses is already in writing.
- Special marks. This item is skipped.
- Date of insurance registration: the current date of the conclusion of the contract is indicated.
- Time of issuance of OSAGO: coincides with the date of purchase of the policy.
How and where to buy an electronic OSAGO insurance policy
The main point that worries every motorist is how much an OSAGO insurance policy costs. You can calculate its price automatically thanks to an electronic calculator.
To use the calculation function, the following information should be specified:
- car type;
- engine power;
- place of registration of the car owner;
- age and experience of the driver.
It is quite simple to obtain this data, because all of it is marked in the documents for transport, passport and owner's rights.
You have the opportunity to take advantage of the offer of our company and take out insurance at the most favorable terms... We work with a large number of major insurers, which allows you to choose the most suitable partner for you. Also, at the expense of our site, you can compare services and conditions from several organizations.
