Where is it better to insure a car for OSAGO? In what case does the car for OSAGO not insure?

Search for an insurance company for compulsory compulsory motor third party liability insurance - a responsible choice. Therefore, each car enthusiast asks where it is better to insure the car for OSAGO to get compensation in case of an accident.

How to choose an insurance company

Currently, many insurance companies are represented on the financial services market, which offer to arrange insurance contracts. When choosing an insurer, you must pay attention to the following basic criteria.

Criteria that need to be addressed

1. Fame and financial stability. To do this, you just need to study the rating of insurance companies, see the authorized capital. You can see how many years the company is represented in the financial services market. Also, special attention should be paid to the amount of fees and payments. For a good and stable company this indicator should be 30 to 80 percent.
2. Branch network. Drivers who often travel should pay attention to the number of offices in other regions. If the company is represented in the whole territory of Russia, then it is possible to complete with full confidence the car insurance.
3. Customer Testimonials. In this case, it is not necessary to believe the reviews on the World Wide Web, it is necessary to communicate with relatives and friends who have faced the insurance policy and can give valuable advice on where to better insure the car for OSAGO.
4. The price of the contract. According to the law, unified tariffs for the compulsory motor third party liability insurance are in effect in all insurance companies. If a company representative offers to sell you a policy at a reduced price, it is worth considering how it is legal. In most cases, compulsory motor third party liability insurance (MTPL) for discounted prices is offered to companies of one-day or swindlers. Therefore, it is necessary to buy a contract only in the official office of a large company.

How to insure the car

OSAGO - compulsory motor third party liability insurance. According to the law, each driver must acquire an agreement, only after that move on his vehicle. For registration of the contract it is enough to apply to the insurance company with a full package of documents.

You will need to have a passport, documents for the car, driver's license and a diagnostic card. An insured under the contract may be any capable citizen.

Based on the submitted documents, the representative of the insurance company will calculate the premium and formalize the contract. However, before signing the contract, many think where it is cheaper to insure the car of OSAGO.

To find the answer to this question, it is necessary to study the price policy of several companies and then choose the one that offers to formalize the contract at the minimum price with official discounts that are set for each accident-free year. Do not forget that many insurers are asking to provide the car for inspection.

The whole truth about insurance

Recently, many motorists are faced with such a problem that it is impossible to insure the car for OSAGO. How to be in a similar situation, when you need to move around in your car, but getting a binding contract is getting harder and harder?

In practice, in order to acquire OSAGO, you must pay for additional services. Typically, a representative of an insurance company includes life insurance and a diagnostic card. In the event that a diagnostic card is available or not required, insurers replace it with apartment insurance.

As a rule, car owners simply resent, but acquire OSAGO with "load", because they do not want to violate the law and move on the road without a policy.

But what if there is no desire to buy additional insurance? It's very simple, the insurer has no right to refuse, it can only offer two options for registration:

1. Buy a policy right away, but with additional services.
2. Write an application, wait 30 days and provide the car in its purest form for inspection.

What option to choose, each policyholder decides independently. Insurers expect that in most cases, the policy is urgently needed, so customers will not wait.

Where to insure

MTPL is a compulsory insurance contract, which every vehicle owner must acquire. At the same time, it is necessary to approach the choice of the company responsibly. It is not necessary to address small companies, it is better to pay attention to large companies, which for years prove their stability.

When choosing a company, it is necessary to take into account not where it is cheaper to insure the OSAGO car, but how to purchase insurance protection is safe.

Rating of the best insurance companies in 2015

Only after the rating has been studied can you make a choice in which insurance company to sign the contract.

Fraud on the World Wide Web

Many motorists, wishing to save money, apply for the policy of OSAGO in Internet-reception, where many promise to sell the form of OSAGO at a bargain price. Thus so-called representatives of the insurance company offer not only a policy at a bargain price, but also free delivery to any place and time.

It would seem, why not take advantage of profitable services. As practice shows, only scammers sell the policy through the World Wide Web. These forms are fake, and you can not count on an insurance payment in case of an accident. Such forms can only be provided to police officers in order not to get a fine.

Therefore, if you are looking for a better place to insure a car for OSAGO, you should not believe in attractive prices and attractive delivery services. It is worthwhile to carefully check the form and the company before buying it.

Differences of a false form from the present

When acquiring a contract, it is necessary to pay attention to the following main points:

1. The first thing you should pay close attention to is paper. The original policy is dense and slightly rough. Fake is printed on a regular sheet of A4 paper.
2. This form is covered with watermarks and the SAR logo. If you look at the form for a skylight, you can see the sign of the PCA.
3. Protective metal strip on the back of the policy, which is sewn into the blank.
4. The size of the policy. The fake has the A4 format, the original is slightly longer.
5. The form number is located in the upper right corner. At the original form it is convex to the touch.
6. Like bills, the original forms are protected by red and green villi. Red can be easily seen on the clearance on the back of the form. Green villi can be seen only through ultraviolet.

Checking the license of the insurance company

If you decide to insure the car of OSAGO, it is worth checking the existence of a valid license from the insurance company. You can check the license on the official site of the SAR in a special section. All you need is to drive a ten-digit number of the OSAGO policy. After that, a table will appear, which will indicate the date of shipment of the insurance company, the name of the company and the availability of the license.

You can check the availability of the license instantly through your mobile phone when you sign an insurance contract.

Making a policy

It turns out that if you do not know where to insure the car for OSAGO, you need to carefully study the rating of insurance companies, choose a large and stable. When signing the contract, it is necessary to check the company's license and the form for reliability. Now you know how and where it is better to insure the car for OSAGO.