OSAGO online: reviews. Reviews about registration of compulsory motor TPL insurance in "ROSGOSSTRAKH"

OSAGO - compulsory motor third party liability insurance. According to the current law, since 2003, every driver must buy a contract of compulsory motor third party liability insurance and only after that to move on his car. Starting from 2015, the compulsory insurance policy can be purchased not only in the official office, but also through the Internet. However, it is not so easy to buy OSAGO online. Customer references, which can be found on the World Wide Web, are very diverse.

Online Insurance

The first insurance company, which offered its customers to purchase the OSAGO policy via the Internet, is OJSC "Rosgosstrakh". This company is the leader in the insurance services market . Thanks to the convenient service, customers can save their own time and get the OSAGO policy online. The clients who used this service are different.

The need for online insurance, it should be noted, is caused by the fact that drivers can not only acquire the necessary contract in the shortest possible time, but also shield themselves from the acquisition of additional services. Many insurers in official offices refuse to sell OSAGO without life insurance.

How to apply for OSAGO online

The testimonials of the customers who used this service are completely different. Some are happy with the convenient service, while others can not figure out how to buy a contract and fill in the necessary data for hours. Let's consider how the process of processing an electronic form is taking place.

The first thing you need to do is visit the official website of the insurance company. To purchase a policy, you should visit the section "Motor Third Party Liability Insurance: buying an online policy".

Policy Extension

For registration of the electronic form of OSAGO online ("ROSGOSSTRAKH"), customer testimonials indicate this, there are two options. The first option is suitable for customers who wish to extend the current contract. The second - for new policyholders.

In the first case, you will need to keep the series and the number of the contract terminating in a special field and click the "Renew" button. This is a fairly simple way to extend the policy of OSAGO online ("ROSGOSSTRAKH"). The testimonies indicate that in a matter of minutes all data on the form is loaded, and an automatic extension for a new period takes place. All that is needed is to pay for the insurance.

It turns out that the current clients of the insurance company can purchase the MTPL policy for the new year without any problems without leaving home.

OSAGO for new customers "ROSGOSSTRAKH"

Online insurance, OSAGO, reviews of policyholders - this is something that interest car enthusiasts in recent times. The feedback from new clients suggests that it is not easy to buy a compulsory insurance policy, as the insurance company claims. The thing is that the residents of Moscow and the Moscow region can use this service. This information is not available on the official website.

The first step is to calculate the size of the insurance premium. To do this, you must specify the city of the owner of the car, the capacity of the car, the insurance period (from 3 to 12 months) and the exact data of each driver. After entering all the necessary information, click "Calculate" and get the value of your insurance contract.

Making an electronic policy

How is the registration of MTPL online? Customer testimonials indicate that after the calculation it will be necessary to enter personal data. This will require a personal passport, a document for the car and a driver's license.

The first step is to fill in the information about the vehicle. In this section it is necessary to indicate: the make and model, identification number, state machine registration number, serial number and number of the PTS or registration certificate. After the introduction, it is necessary to check all the data for reliability in order to avoid mistakes.

Personal data for the contract

After the introduction of data on the vehicle, you will need to provide information about the insured and the owner. For this you need a passport. To carry out online registration of MTPL "ROSGOSSTRAKH" ( customer testimonies indicate), the following data is required: passport details, date of birth, registration address and contact details.

Final stage of policy acquisition

After the introduction of all the necessary information, it remains to verify the authenticity of the information and pay. You can pay by any bank card. After the payment is made, the electronic form of MTPL will be registered in a single SAR database and sent to you electronically by e-mail. Will only print the form and put it in the car.

Difficulties in acquiring a contract

There are some difficulties when buying OSAGO online ("ROSGOSSTRAKH"). Customer testimonials indicate that not everyone can purchase the required form as simply as the insurance company promises.

The first problem is checking the diagnostic card. The whole point is that cars older than three years, according to the law, must necessarily undergo technical inspection. As a result of the test, each driver receives a form of a diagnostic card.

All diagnostic cards are registered in a single EAISTO database. It turns out, if the form is lost, a representative of the police or an insurance company can check its availability by an identification number.

When registering the compulsory motor TPL insurance on the company's website, it is not possible to check the availability of a technical inspection. It turns out that owners of cars older than three years can not yet use online insurance. In the future, these problems are promised to be fixed.

When registration of compulsory motor TPL insurance is carried out through the World Wide Web, a check is carried out by KMB (discount for accident-free year). Very often, drivers complain that the current discounts are not reflected, and the company offers to issue a policy without them. It turns out that in order to save discounts, you must personally contact the office of the company and enter into a contract.

Buying a policy through the Internet

How to buy cheap OSAGO online? Reviews of some insurance companies and beckon, promising a policy of OSAGO with a good discount. It's no secret that over the past year the value of the insurance contract has almost doubled. In connection with this increase, almost every motorist is forced to look for a company that will offer a mandatory policy at the lowest price.

Today, with a good discount, insurance is made through the Internet, not on the official website of the insurance company. As a rule, representatives of companies are ready to provide an additional discount at the expense of commission. Agree, it is more profitable and convenient. Many insurance agents are ready to deliver the MTPL policy for free, at any place and time convenient for you.

Fraud in online insurance

Today, online insurance of OSAGO is very popular. Reviews speak of all the advantages of a quick policy acquisition. The thing is that the so-called insurance brokers offer to buy the OSAGO policy at the lowest price, for only 2 -3 thousand rubles.

This form is forged, but visually does not differ from the present one. At the same time, customers know that not real forms are being sold, but they are purchased only to provide police officers on the road. It turns out, many can not afford to buy an expensive policy and protect themselves on the road.

However, there are companies that offer a minimum price for online registration of OSAGO. Reviews of people who have already used the services of this organization, it is necessary to study, and only then make payment. In the World Wide Web a lot of scammers who want to sell a fake and make good money.

What to do if you purchased a fake policy via the Internet

To our great regret, every third policy, which is sold through the Internet, is a fake. In order not to become a victim of scammers, do not agree to pay for the policy in advance. Let's consider in more detail how to check the form of OSAGO for authenticity.

The first thing you need to do is acquire a compulsory insurance contract with home delivery and payment to the courier. Do not pay the policy in advance, there is a risk that you do not receive it.

After the courier brings the policy, it is necessary to check it for authenticity. This is done very simply. In the upper right corner of the insurance policy is an individual number of the form, which is registered in a single PCA database. You need to go to the site and check whether the policy belongs to the insurance company. If there is no way to check on the database, you can distinguish it by visual signs.

Visual differences of this OSAGO policy from fake

This policy is a couple of centimeters longer than the usual A4 sheet.

On the original letterhead, on the back, there is a protective silver thread, which is sewn into the policy. On the fake one just prints a silvery intermittent line.

A distinctive feature of the original form is the semicircular inscription RSA. This is a kind of protective hologram.

The number of this policy is convex, which can be determined by touch.

Thanks to these tips, every motorist will be able to identify a fake policy and save himself from waste.

What if a false OSAGO form was purchased

In most cases, the insured learn that the purchased policy is not real, only when the insured event occurs. When applying to an insurance company, such clients are refused. How to be in a similar situation? Unfortunately, the refusal of an insurance company to pay out is a legitimate act.

In such a situation, there is only one thing - contact the law enforcement agencies and write a statement. At best, police officers will be able to find fraud and bring to justice.

As practice shows, it is almost impossible to find scammers. Therefore, experienced experts advise before paying insurance coverage of MTPL online, reviews already avail of this service people are studied extremely carefully.

Do not believe the very first insurance broker, who promises not only a blank policy at the lowest price, but also free shipping. If, after studying the reviews, you doubt whether to purchase the form or not, it is better to apply personally to the insurer. In the official office of the insurance company you can buy a real form, which will be a little more expensive.

Risk and buy a form with a good discount or overpay and be sure of its authenticity - every motorist decides on his own.