2015 was noted by the implementation of the long-awaited automobile owner the possibilities of electronic acquisition of the OSAGO. The electronic policy is an equivalent paper analogue, however, it has several advantages. If you have access to the Internet, each car owner has the opportunity to issue a policy without leaving your home. But without flaws, either did not cost. About this further in the article.

Features of the design of the electronic policy of Osago

In the fall of 2015, the Government of the Russian Federation adopted a decree on the introduction of the electronic insurance system for transport and drivers' liability. This innovation is designed to simplify the use of insurance products, making insurance more accessible to distant regions and make the process on the design of the policy uniform without the need for long design in the offices of insurance companies. In 2017, the electronic policy of OSAGO does not require a visit to the office of the insurer, but is drawn up directly on its website.

For car owners, electronic insurance has a similar legal force, but significantly simplifies the registration process. To use the insurance product, the motorist needs to have only access to the Internet. Not all car owners are ready to introduce innovations today, there are technical disadvantages on the platform through which the policy will be made. According to insurance companies, they are also not ready to introduce such a service.

To date, more than eighty insurance organizations have licensed insurance, but only fifteen insurers provide this service remotely. In view of this, the Central Bank announced its intention from January 1, 2017 to oblige all insurance companies that operate in the OSAGO market, issue insurance contracts in electronic form.

Electronic registration policy of CTP 2017 (step by step)

The process of execution of the policy in electronic form is quite simple. To purchase the policy, you need to go to the insurer's website offering this service and register by filling out the required fields of the special form. At the same time, the car owner remains the right to appeal to the previous insurance company or to order an OSAO from a new insurer offering more favorable conditions. All information that user indicates is tested on the database. If their authenticity is confirmed, a message with a disposable access code for entering a personal account will come to the mobile phone of the policyholder.

For the design of the electronic policy on the insurer's website you need:

1. Log in using login and password.
2. Next, you need to select the product you are interested in - either the extension of the current policy, or the design of the new one.
   
3. As before, the calculation of the cost of insurance is made depending on the year of the vehicle and the power of its engine.
4. The amount of the insurance premium is paid through a bank card, after which the insurance data will be entered into a single system.

After performing these actions to the email address specified by the user when registering, an electronic policy, certified by an electronic signature of the head of the insurance company, will be sent. According to the current legislation, the provision of an electronic policy to employees of inspection bodies can occur in any convenient form: on a laptop, tablet or smartphone. You can also present this document in the usual paper variation after printout.

advantages of electronic clearance

The main advantage of insurance in online mode is convenience. The entire process of acquiring the policy takes the minimum amount of time, while this can be done anyway and anywhere, for which it is necessary to have access to the Internet and the required documentation package. This is especially important for residents of remote areas, in which there is no office of the insurance company.

Another indisputable plus - when applying for an online application for registration of the insurance policy, no one imposes additional services to the insured, which are so disliked all car owners. It is important that online policy is convenient to store - in an electronic or paper form, it will be at hand all the time.

disadvantages of electronic registration policy

But this, of course, a useful service could not do without certain drawbacks. Thus, electronic insurance is impossible to issue a new vehicle, since the car must have government license plates to receive the electronic statement, which can be obtained only upon presentation of the policy. Therefore, the owners of new cars will have to derive insurance "live".

It should also be borne in mind that when applying for an OSAGO application should be very attentive - only one typo or an error makes the document invalid. Certain difficulties may also appear upon presentation of such polishers to the Employees of the traffic police. Today, not all road inspections have special equipment for verifying the validity of the online policy, thus, during communication with them, conflict situations may be associated with them.

What difficulties arise with the electronic decoration of the policy of Osago

In addition, Europrotokol will be unavailable to owners of online policies, because to check for the accident participants in the database without a traffic police officer will be very difficult. The presence of deficiencies in the electronic registration system is also reported by the insurers themselves. According to them, the main minus is the lack of a system that would control the accuracy of the information that the owner of the car indicates when the application for the purchase of the policy indicates. So, from the clients, there is a probability of fraud.

But in those responsible for the implementation of this initiative, the departments report that the electronic registration process is constantly improving and all flaws will be eliminated in the near future. Although it is already possible to say that the advantages of acquiring online policies outweigh the disadvantages and give hope that very soon this service will truly get rid of drivers from paper red tape.