What the CTP policy looks like now. What does the new CTP policy look like?

I am glad to welcome again all my readers and subscribers to the pages of my blog!

In today's article I will tell you what a CTP policy looks like.

Since July 1, 2016, according to the March decision of the Presidium of the Russian Union of Auto Insurers (RSA), new forms of OSAGO are being introduced, with enhanced protection against counterfeiting.

And in this regard, it will be very useful for every motorist to imagine how a new policy policy should look like. In addition, there are questions on the network about some blocks on old forms, which are still issued and are fully relevant.

A clear orientation of the ordinary policyholder (client) in the design of the policy gives him significant advantages. This allows you to personally check the completed certificate at the place of conclusion of the contract with the insurance company (SK). After all, accidental or deliberate incorrect filling of a car insurance can bring a lot of trouble in the future.

Over the thirteen years of the existence of a motor vehicle in Russia, the appearance of this insurance policy has changed several times. To date, the design of this document is highly consistent in terms of ease of filling and readability.

There are no particular difficulties in understanding the purpose of this or that block of this insurance, but some of them require additional clarification.

Well, let's get started.

General properties of the form

The forms of the OSAGO policy are printed on the "Gosznak" and have characteristics characteristic of the products of this enterprise:

Thick paper for documents, covered with light green high-quality micro-mesh protective ornament;
The form has a watermark structure - "PCA" with the emblem of this organization;
In the body of the blank, protective polymer fibers and a metallized strip are embedded, which are visible from both sides;
At the top left, there is a serial number unique to each document, which has a prominent embossing on both sides.

By the way, the size of the insurance certificate is specially made in a slightly larger format (by about 1 cm) than a standard A4 sheet.

CTP policies are of two types:

Single-layer - used in offices of insurance companies, where all the data in the required fields are entered using a special printer.
Two-layer (self-copying) - with an additional yellow-white copy. They are primarily for freelance insurance agents who fill out fields by hand and need a copy to report to their insurance deal.

Moreover, these two-layer policies have long been intended to be banned, tk. they are easily counterfeited - in the right places with different iodine compounds and peroxide, the inscriptions made with a ballpoint pen are etched, and anything is prescribed in their place. It is difficult to visually distinguish such chemistry.

The structure of the OSAGO insurance policy

Cap

Stamp

There is a place for your insurer's stamp on the right side of the policy header. Do not confuse it with the seal at the very bottom. Two options are possible here:

Wet stamp;
Printer stamp.

Classic wet stamp - it contains a logo, the official name of the insurer, its physical address, phone numbers, and website are indicated.

Branded printer stamp - usually put by large companies. It, among other things, may contain a barcode for reading data about the insurer (can be determined from a smartphone): for example, RESO has it, but Rosgosstrakh does not.

Serial number

Located to the left of the name, the serial number contains 10 numbers and three letters of the series.

Today (from April 1, 2015) insurance policies are issued with the EEE series, and before that it was preceded by the CCC series (issued until March 31, 2015) and BBB, but all of them practically do not differ in structure.

All serial numbers of issued certificates are strictly recorded in the AIS RSA database. Moreover, it is assumed that an individual numbering range is allocated for each insurer, by which it can be identified, but this applies only to large and medium-sized players in the insurance market.

Date fields

Below the heading there are two unmarked blocks with fields for entering dates - the first is smaller, the second is large.

It is precisely on these blocks that motorists often have questions: not everyone can understand why there are two date fields in the policy, and not one - sometimes they have the same values, and sometimes differ.

You probably don't know that either? Let me explain now.

The fact is that the first (smaller) field indicates the start and end date of your insurance contract with the insurer, and this period is not the immediate period of insurance coverage.

That is, here the OSAGO insurers have two concepts:

Insurance contract - with ordinary insurance, it is always concluded with you for a year (it can be less only in special cases).
An insurance period is a specific period (or multiple periods) during which you have coverage.

The dates of the insurance contract are written in the first block. And the dates of the insurance period (periods) in the lower large - there you can specify up to 3 insurance periods within one year.

It is noteworthy that in the old forms of the "CCC" series, this distinction was more clear, since in the small block there was an entry: "The term of the contract with ...". And in the new series "EEE" it was replaced by the misleading phrase: "Insurance period from ...". Take a look at the comparison photo.

With the purpose of the date fields, I think everything is clear.

Extended policy

As you know, if a motorist is insured with the same insurer, he does not need to renegotiate the contract annually - it is simply extended, and the policy form is replaced with another one-year one.

Its characteristic difference is that the values of the first and second block of dates are the same, and a dash is put in all unnecessary fields (of the second block).

But this is if the insurance period covers all 12 months of the year, and if less (three, six, nine months) - the so-called. seasonal insurance, then in the second block there will be other numbers. By the way, if for some reason the 3 available fields for the seasonal extension of insurance were not enough, then the corresponding additional tab is attached to the policy.

Marked items and blocks of insurance blank

Below the header are 8 points, some of which have blocks for entering data, while others do not.

Point one

The first item is a complete block for entering information about the insured: full name and surname. Please note that the policyholder and the owner of the car may be different persons.

Second point

The second item is a block where you need to register the basic data about the car: full name of the owner of the vehicle (TC), brand / model, presence of a trailer, VIN code (or body number), license plate, serial number of any document to choose from (Title or STS). Below you need to tick off the intended purpose of the vehicle (this is a new requirement).

Third point

In the third paragraph, there are two block-fields. In the small one, you need to indicate the type of insurance: with or without restrictions on the number of persons allowed to drive the vehicle. In large - list the full names of persons allowed to drive and indicate the serial number of their driver's license (VU).

Items four to six

These points are purely informational - they contain information relevant to the period of conclusion of the contract information of insurance legislation for the insurance period, insured event etc.

Seventh point

The penultimate item contains a block-field where the amount to pay for insurance (insurance premium) is indicated. It should be the same for all insurance companies in your region. You can double-check this amount online on any OSAGO calculator taking into account your MTPL.

Point eight

In the last paragraph, there is a block for making special marks: all kinds of additional information can be registered here, one way or another concerning this agreement.

That's all for the marked points of the policy.

Sighting area

The last in the policy is the unmarked sighting area. This is the most important part of certifying the validity of the insurance.

The date of the conclusion of the contract with the UK - this date can be either different from the start date of the contract, or coincide with it.
The date of issue of the insurance policy - usually it coincides with the date of commencement of the contract, but sometimes it can be different.
Policyholder's signature - without full name.
The signature of the insurer or the person representing him - with the name in words.
On top of all this is put a round wet seal of the insurer.

I think that in general terms, everything is clear in all areas and points of the insurance form. And you can learn about the details and nuances of filling out the listed fields from the article about the correct filling of the CMTPL policy.

New CTP policy of 2016

PCA updates

Recently, the RSA has been annually releasing major "updates" for car insurance. So, from July 1, 2015, the opportunity to buy an electronic OSAGO policy was introduced for motorists, and from July 1, 2016, it was planned to completely replace all existing policies with new documents.

Subsequently, however, these plans were adjusted and canceled the clause on the total replacement of existing documents, and also introduced a three-month transition period, during which insurance can be issued on both new and old forms.

Moreover, the policies on old forms issued before October 1 of this year. d. inclusive, will not be forced to exchange before their expiration date.

Differences in the policy of the new sample

What is the difference between new forms and old ones?

No changes were made in the structure of the document - all data areas, items and block fields remained in their places. But the color of the document and its background ornament have radically changed: now it has an intense pink color with a sharp-figured pattern, instead of a light green one with an ornament of rounded shapes. The general background microreticular structure remained the same.

Move the cursor to see a visual comparison:

Why the policy was changed

This update was initiated in order to increase by an order of magnitude the level of protection of OSAGO forms against counterfeiting, no structure change was planned, and the replacement of the color ornamental design was applied to sharply distinguish old, weakly protected documents from new ones.

PCA specialists assure that it will take at least two years for fraudsters to make a good forgery of new-sample forms. During this period, it is planned to transfer car insurance to the Internet as much as possible and thereby sharply reduce the number of fake insurance in the hands of the population. Therefore, it is worthwhile to try electronic car citizenship early.
Try to purchase OSAGO insurance from large companies and avoid double forms filled in by hand - the traffic police will suspect them in the first place, since from July 1 of this year. g. they are obliged to break through the presented insurances on the basis of the AIS RSA.
If, when registering OSAGO, you notice any defect on the form filled out by the agent, then ask to replace it - they are obliged to do this.

Conclusion

Having familiarized yourself with this material, you now clearly imagine the design of the old and new OSAGO forms and will no longer get confused in the blocks of the insurance policy when checking it after filling out by the insurer.

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This concludes today's publication. Expect soon more useful materials, information on the receipt of which is the most convenient for blog subscribers to receive - they will not miss anything.

If you liked some of my articles, then instead of the usual like it is better to press the buttons of social networks, spreading useful information on the Internet.

Good luck on the road and see you soon!

Hello everyone! Ilya Kulik is in touch, and today I will tell you about how an electronic OSAGO policy looks like.

For more than a year now, Russians have the opportunity to purchase electronic OSAGO policies online from a number of large insurers, such as Rosgosstrakh, Uralsib, Alfastrakhovanie, VSK, Reso and other insurance business players who have the technical capabilities for such trading in the correct mode.

In the future, perhaps the so-called. Online e-insurance has every chance of almost completely eliminating the usual paper documents from circulation. But for today, this is still far away. Not all drivers, despite the past considerable time, are aware of the very existence of electronic policies, not to mention the presentation of their proper form.

Moreover, not even all traffic police inspectors, especially from the hinterland, are employees who are enlightened on this issue, writing out unreasonable fines and creating unnecessary problems for themselves and the drivers.

Therefore, there is a need for this article, which will dot all the "i" in the appearance of the e-policy and by its definition as a legal document.

The digital age raises questions

Before proceeding to the description of the policy, I will focus on one important point that needs to be explained in detail in the very first place.

The fact is that for many motorists, as well as for a significant part of traffic police inspectors, the status of e-car insurance is not entirely clear, namely, its actual belonging to legally legal documentation.

Indeed, the digital age is entering all spheres of human life with such a rapid speed that not everyone has time to form a serious attitude towards its fruits.

Not everyone is mentally ready with regard to e-CMTPL policies to accept their documentary usefulness, and many have a quite reasonable question: is there a boy, speaking in the way of a well-known aphorism.

In what form should an e-policy exist as a tangible and legal document? In the form of just "electronic" or in the form of a tandem with a paper medium? And which of them is more important, and is it a document at all?

Classic traffic police claim on e-policy during the transition period

Since October 1, 2015, after the start of the full implementation of electronic OSAGO (since July 1, only an extension was available), there have been many cases of illegal traffic police fines for motorists on the roads due to their lack of a proper car insurance policy.

And the main complaint that road guards made when the driver presented an e-OSAGO printout from a home printer was something like the following:

- What are you to me, citizen, your linden in vanity? Are you generally sober that you allow yourself to show a photocopy to the inspector instead of the CTP policy ?!

Exactly, despite the comic nature of such a message, there is a rational grain of logic here: the driver really shows the policeman some kind of black-and-white "copier", without living signatures and seals, and brazenly declares that he is fully competent, because, although purchased at home, from a laptop, but in a decent company and for decent money.

Electronic policy as an eligible e-document

But the truth is that this printout paper really does not have any competence, since this is just a printout and there is - a mirroring of this document, which, in turn, on our physical plane does not exist in the usual office tangible form.

That is, the copier, as a “document”, if compared, has a great “significance”, since it presupposes the presence of a physical document, and in our case the e-policy cannot even boast of that.

Conclusion: the e-policy of OSAGO provides for complete virtuality

As a conclusion on this section we can say the following:

Duplicate policy on a full-fledged paper form-carrier, e-insurance does not mandatorily provide for.
Printout The electronic policy for itself has independent legal significance, since it is impossible to determine the validity of insurance by it, without involving databases from the network.
Appearance the electronic policy does not play a significant role, even if it is a "real" virtual document, since only the information in the databases and its reliability are important.

I will also add that nominally, you can do without any document-like external form of information contained in the databases - it is most convenient to store it in simple tables, but taking into account the peculiarities of human perception, so far you can see a policy similar to a paper one on the monitor screen.

Also, for a better understanding of the essence, I will give a very vivid analogy with money: there is paper money and for their "incorrect printout" they can easily go to jail, and there is already familiar to everyone electronic money, which does not even have a fake appearance, but still not less, they are equal in value to paper.

However, despite all of the above, the e-policy still has the appearance and it will be useful for you to know it "by sight", so I will describe this virtual document point by point, as I did in.

What does an electronic OSAGO policy look like?

In the photo below, you can see what a completed e-policy for OSAGO looks like. Its important difference from the paper one is that it does not and should not have any explicit or hidden visual security elements - they are completely unnecessary here, since it is not the image on the screen or on the printout that needs protection, but the content of information databases ...

In the articles describing the electronic policy, it is said about it like this: "there is no usual protective micro-pattern, but it is the same green ...". You should not pay attention to this at all - the micro-pattern and other protective markers visible through the screen and reflected on the printout can be easily imitated.

But people are slowly getting used to new information perception, so the policy looks like a simple green-looking document. Moreover, the new paper policies are no longer green, but a complex rainbow-lilac color, which was introduced this year to combat counterfeiting and.

Electronic does not care what color they will be: it is not at all necessary to print it on a color printer - ordinary black and white will do quite well, since there only information is of some importance, and not the color or even the structure of the document. In principle, you can even rewrite on paper everything that is on the monitor by hand - the result is the same.

Below is the structure of each block of the policy separately.

Document header: markers 1 and 2

Here is the main visual difference of the e-policy - it is called “Electronic insurance policy”.

There is also a difference in the serial number: instead of CCC or EEE, it appears as XXX. But this alphanumeric identifier itself is the most important information, even more than in the paper one - it is from it that the cars first of all determine the identity of the insurance.

This is where one of the main benefits of electronic insurance is concluded - as experts say, the likelihood of a client receiving an electronic clone (with the same serial number) is zero, since such machines will be immediately discovered.

Term and periods of insurance: markers 3 and 4

Everything is standard here: the car is insured for a year, with the exception of temporary policies. Also with the periods of use - the corresponding dates are prescribed, just like in the paper version.

Policyholder and owner: markers 5 and 6

I think you know who the insured and the owner are - the insured insures the car in the insurance company (from the insurer), and the owner uses insurance and this is not necessarily the same person. Therefore, the fields are separate for each.

Data of vehicles and drivers with a permit to drive it: markers 7 and 8

Here you will find basic information about the car: model / brand, VIN-code or body number, license plate, as well as the series / number of the vehicle's passport (PTS) and the purpose of operation.

The block below lists the persons allowed to drive the car, indicating their full name and the series / number of the driver's license (VU).

Immediately after these blocks are the usual general information points, which you still need to read - they can change.

Policy cost and special marks: markers 9 and 10

The next two blocks show the cost of the policy (insurance premium) and special notes. The latter are also important, since in e-insurance it is here that the place of purchase of insurance (website address) and the number of the paid online order are usually prescribed.

Dates, Signature and Stamp: Markers 11 to 13

As with a paper policy, there are two dates at the bottom: the date the contract was concluded and the date the policy was issued (they usually coincide).

The surname and initials of the insurance specialist - the representative of the insurer, with his signature and seal of the insurance company are also spelled out.

Here it is necessary to clarify that both the seal and the signature, no matter how beautiful they look, are just facsimiles. What are facsimiles? This is an exact copying of any graphic original: literally this term means "do like", translated from Latin. That is, the same as signatures on banknotes, for example. Their corresponding significance is purely for informational purposes.

But there is an important difference at the bottom of the e-policy - the absence of a personal signature of the client (policyholder). At the place of the signature there is only the entry "Insured" and there is not even a facsimile imitation.

According to the rules of electronic insurance, the client's signature is replaced by the buyer's authorization in his account, where he provides all his data. Yes, this is all somewhat strange, but without a live signature, an e-document is considered effective, but a paper document is not, of course.

What to present to the traffic police inspectors and what problems there may be

Now about the main thing: how the driver needs to prove that he paid in good faith for the OSAGO and its printout really is a reflection of a real online contract, and not a work in Photoshop.
To date, in accordance with clause 2.1.1 (paragraph 6) of the SDA, as well as clause 1 of Art. 32 ФЗ No. 40, vehicle driver:
«… must have an OSAGO policy or printed out on paper information on the conclusion of an OSAGO in the form of an electronic document…»

How an inspector can check your electronic policy

According to the job description, the traffic police inspector, having received information from you that you have an electronic car license, is obliged to verify the provided details (serial number of the policy, license plate of the vehicle, VIN code or body number) with the database available to him.

What are these bases? At the disposal of road guards there are two of them: the special service of the IMTS of the Ministry of Internal Affairs of the Russian Federation and the public base RSA (Russian Union of Insurers), which is already familiar to you. For verification, traffic police squads must have the appropriate equipment - tablets or netbooks with access to the network.

That is, in fact, the inspector only needs the network, the data of your machine and the computer device to check. He doesn't need the driver himself. But, in accordance with the above provisions of the standards, the inspector has the right to require the driver to provide a paper printout of e-OSAGO.

Although it may not require this, since in addition there are also intradepartmental circulars sent to all traffic police services and recommending traffic police officers to check e-policies without requiring paper prints. This is a letter of clarification from the Main Directorate of the Ministry of Internal Affairs No. 13/12-u-4440 (dated 03.07.2015) and an order to the Main Directorate for Traffic Safety of the Ministry of Internal Affairs of the Deputy Chairman of the Government of the Russian Federation I. Shuvalov No. 13/12-u-6112 (dated 04.09.2015).

That is, for now, the issue of providing / not providing a printout of the policy is being resolved on the spot - at the discretion of the traffic police officer, taking into account the available hardware verification capabilities or not. Accordingly, if there is no e-OSAGO printout in the car, this can be formalized as a violation.

What to do in case of problems with traffic police on e-OSAGO

If on the road on the e-policy there is friction with the traffic police (if you have a printout), then advise the inspector to read the current traffic rules and OSAGO rules governing the use of the e-policy. Otherwise, even now, you can get undeserved sanctions from some police officers.

Despite the fact that today the driver is still required to have a printout of the e-policy in the car, auto experts do not see much sense in it - if the inspector cannot check the e-policy over the network, then no printout will help here.

Yes, in many places and many traffic police crews do not yet have the equipment or access to the network for such checks, but this should not be a problem for the drivers. Moreover, the above circulars indicate that in the absence of access to the network, the inspector is obliged to check the policy through the central dispatcher by radio.

However, in remote regions of the Russian Federation, it is better for the time being to have an ordinary policy - satellite service Internet is not available there everywhere.

Watch an interesting video illustrating the actions of traffic police officers in relation to e-OSAGO:

Epic with e-policy printouts

Regarding the confirmation of the presence of an e-policy in the form of its printouts, the current situation requires clarification of this entire epic from the very beginning.

Presentation of a "photocopy" of an e-policy

As already mentioned, the e-policy does not imply a special paper medium that serves to confirm the reliability of the fact of insurance - this is checked through the appropriate databases.

However, this innovation caused confusion among many traffic police officers. And at first the PCA, for the sake of reassuring the inspectors, recommended that drivers carry e-CMTPL printouts with them. This did not help much to the confusion - some inspectors perceived the "photocopies" presented as a personal insult.

Moreover, some drivers did not show anything at all, arguing that the e-policy is subject to online verification and even the presence of its printout in the car is not legally enshrined.

As it turned out in practice, it was not possible to promptly provide all the traffic police with the possibility of an online check of OSAGO. Therefore, a year after the introduction of e-OSAGO, the presence of a printout in the car was legally enshrined in the Federal Law No. 40 (according to the Federal Law No. 214 of 23.06.2016) and in the SDA.

And on this the situation hung in the air, although attempts to resolve the issue did not finally stop. For example, in the spring of 2017, First Deputy Prime Minister Igor Shuvalov instructed the Ministry of Internal Affairs and the Ministry of Finance to work out further stages of the transition to e-policies from paper ones. In the instruction, the main attention is paid to the abolition of the requirement to have an e-OSAGO printout in the car and the complete transition of the car insurance to a purely electronic form.

Cancellation of the obligation to carry a printout of e-OSAGO

But Shuvalov's circular initiatives did not go well from the very beginning, and the government finally intervened with the participation and control of Medvedev. On October 17, 2018, the State Duma adopted bill No. 501904-7, which almost completely removes the difference between paper and electronic OSAGO.

According to paragraph 6 of Art. 2 of the bill (amendments to clause 7 of article 15 of the Federal Law No. 40), all policies will have their own unique electronic identifier (not the serial number of the form), which will be checked. Accordingly, there will be no need for secure forms of the paper version of the OSAGO.

In addition, Clause 15 (Art. 2) of the draft law excludes from Clause 1 Art. 32 40-FZ requirement to provide a printout of e-OSAGO. Instead, it is stated that the driver “... presents for inspection an insurance policy compulsory insurance". That is, it can be an original paper policy or its printout, a printout of an electronic version or its display on electronic gadgets.

That is, the driver will be obliged to provide the inspector with something that he has (original, printout, scan, page of the IC personal account with display of e-OSAGO, etc.). But if nothing is provided, then it can be counted as a violation (at the discretion of the inspector).

It is clear that the requirement to carry a printout is temporary, but for now, do as prescribed in the law so as not to anger the ministers of the striped rod.

When will the innovations take effect and how to proceed now

The specified bill will definitely be adopted, but it was sent for revision to the State Duma Committee on the Financial Market. After the document is finalized and if it is fully adopted in the second reading, the innovations will come into force 180 days after the official promulgation of updates to the OSAGO legislation (in accordance with clause 1 of article 4 of the draft law).

Until the changes are adopted, drivers with e-OSAGO must have a printout of the policy in their car. At the same time, insurers, for greater persuasiveness, advise to certify it in the office with a seal and signature, although this is not necessary. Also, if desired, the policyholder can take a printout of e-OSAGO on an official letterhead from the SK.

Will the obligation to present OSAGO to the inspector be canceled?

In the foreseeable future, the law will completely exclude the driver's obligation to present something to the inspector in terms of OSAGO - the employee will be obliged to independently check through the network the presence and effectiveness of the policy according to the details of the car and / or the owner.

But this is the final stage of the transition to e-CMTPL, and with its initiation, the relevant provisions will be removed not only from the Federal Law No. 40, but also from the traffic rules. In the meantime, this is not possible in the entire country due to the unequal access to the network in different areas.

Write down all the data from the TCP literally when buying an e-policy online, the way they are written there, even if there are inaccuracies: write this way, with inaccuracies - the main thing is that the car does not detect discrepancies, otherwise it will not come out of the house to take out insurance.
Complete rejection of paper policies on the cities in the plans of the Government: for this they will work on the appropriate technical equipment, so there will be no return to the previous system, keep this in mind.
Replace printout in soon there may be an image of an e-policy on a tablet or smartphone.

Conclusion

So, you realized that the electronic OSAGO policy has the same legal force as the classic one, but at the same time there is no obligatory paper medium for it, and the police should know about this and not write out illegal fines.

Do you have an electronic policy? Did he have any problems with DPS patrols? If you have any interesting information on this subject, then share it with other drivers in the comments.

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This concludes the article, and I am waiting for you on the pages of my blog in the next meeting. And in order not to miss the incoming material updates, subscribe and the announcements will find you themselves. Well, do not forget about social networks - share the articles you like, which will serve as a kind of like from you for the work done.

Since October 2015, vehicle owners have been able to take out insurance via the Internet and not carry a paper official document with them. All data rechecked traffic police officers through a single RSA database. However, not every motorist is ready to switch to the electronic version due to insufficient awareness and fear of facing trouble in the future. As part of the article, we will consider in somewhat more detail what an electronic OSAGO policy looks like, and what you should pay attention to in order to get a genuine electronic version.

What is an electronic OSAGO policy?

Today, every car enthusiast will be able to conclude a contract in electronic format. Its main distinguishing feature from the paper version, there is no need for traditional generally recognized methods of protection. It does not require an official government letterhead, seal or signature. All data is entered into a single database, where they can be checked not only by the client of the insurance company, but also by an employee of the state traffic safety inspection.

The car owner can purchase an electronic insurance policy by concluding an agreement at the office of one or another insurance company, by calling an agent at home or by personal registration in real time. Among main reasons for introducingcivil liability of this type, one can note the fight against the imposition of a certain range of additional services, fraud, and the issuance of fake policies. In addition, registration is fast, simple and cost effective.

What does an electronic OSAGO policy look like?

Above, we figured out what an electronic CTP policy is. After its registration and payment, you will receive an electronic document. In fact, the form of compulsory motor third party liability insurance of the new sample is similar to the traditional one, but has some differences. An example of this form is shown below.

The structure looks like this:

The word "electronic insurance policy" appears exclusively on this type of form. The paper version simply does not have it.
Series and number of the document. Each e-policy has unique numbers that can be easily checked through the unified database of the Russian Union of Auto Insurers. This measure allows you to easily and be confident in its legal status. In addition, on the official portal, you can choose an insurer who has the right to sell electronic insurance policies. Important information is the change of the letters CCC or EEE to XXX in the serial number.
Insurance period. By default, this policy is valid for 1 year. But it is also allowed to establish a different insurance period.
Term of use. This is a specific time period for the operation of the vehicle.
The policyholder is an adult and capable person who has decided to take out insurance. But it may not be the owner of the insured vehicle.
The owner is the person. Owning the TCP.
Vehicle details - brand, VN-code, registration number and data of PTS or STS. The main thing is that the brand should be prescribed names as indicated in the STS or TCP. Otherwise, you will not be able to receive the policy, since the data in the AIS RSA database will not match.
List of persons admitted to driving. An unlimited list allows every motorist with a driver's license to get behind the wheel.
Insurance premium.
Special notes - in this column, information is entered directly by the employees of the insurance company. It is worth checking very carefully as it lists the insurance company, including the website where your car is insured.
Date of conclusion of the contract. It is allowed to renew the contract for a new term 30 calendar days in advance.
Signatures of the parties. A distinctive feature is that the CMTPL policy in electronic form does not have the signature of the policyholder, since he cannot put it down during online registration.
Insurance company stamp.

After registration and payment, online electronic insurance is sent to the policyholder by email, after which he will be able to provide the traffic police on demand.

Is it possible to fake e-OSAGO

We figured out the question of how e-OSAGO looks like above. It remains only to understand whether it is an official document, whether it can be forged and how to distinguish the original.

A sample of the electronic policy of compulsory motor third party liability insurance

The main distinguishing features are clearly visible on it: the corresponding inscription, the change of letters in the document series, the absence of a personal signature of the insured, etc. Despite the fact that you only have to use the printouts of the e-policy, you can be absolutely sure of the authenticity, since during registration all the data is entered into a single database of the Russian Union of Auto Insurers, and this is easy to check. Thus, it turns out that it will not work to introduce or use fakes. In turn, the template for filling out the form allows you to simplify and speed up the procedure for insurance of motor third party liability, but you can use this only when you re-insure.

In conclusion, I would like to note that, by law, to have an electronic insurance policy with you absolutely optional... Traffic police officers in such a situation must act in accordance with the job description. The main thing is that you have a policy, and it doesn't matter how it looks. However, it is recommended that you keep a printout of your insurance policy with you. The checking of policies is carried out through a special unified PCA database, in this regard, when registering electronic insurance, it is worth rechecking the information in order to be sure on the way.

This option does not differ significantly from the paper one.

A single form is used for both options.

Both documents have the same structure and information arrangement.

It will not be difficult to get acquainted with what an electronic OSAGO policy looks like in 2018 in Rosgosstrakh.

All the necessary information is presented in electronic form, right on the official website of the company.

In addition, you should familiarize yourself in advance with all the subtleties, features of the registration process.

An electronic policy has many advantages over paper forms. At the same time, it is possible to check the policy number online.

Before proceeding with the process of applying for a policy, it will be necessary to work through some important issues in advance.

These primarily include the following:

what are the conditions for obtaining;
what it contains;
what are the differences from the original;
order of registration;
do I need to print;
important aspects;
what is regulated.

What are the conditions

To obtain an OSAGO policy, you will need to prepare a number of specialized documents.

Only in the case when the standard set of those is completely ready, it will be possible to get a policy. Data from such a document will be entered directly via the Internet.

There is a standard set of conditions only under which it will be possible to issue an OSAGO policy.

It includes the following:

A package of documents, obligatory in this case, has been collected.
The insurance premium was paid in the company.
An insurance contract has been concluded.

The mode of calculating the amount of payment, as well as all other points in any way related to the registration of OSAGO, are covered in sufficient detail in the legislation.

There is a specialized regulatory document that covers this issue in detail. It is best to familiarize yourself with all the rules in advance.

The form of an electronic OSAGO policy issued via the Internet is a two-sided document, similar to official insurance. There is a barcode on the front side in the upper left corner, and the insurance number on the right begins with the code XXX. On the back is an electronic signature made up of a long list of letters and numbers in random order.

Motorists who have doubts about buying E-OSAGO are embarrassed that not everyone has the opportunity to print a document on a color printer. But in this situation, do not worry. Such a policy can be printed on the most common black and white device.

The E-OSAGO printout should look neat, and all the required information should be legibly printed on the paper. When preparing a paper version, you need to take care of having a good printer with high-quality printing. Any corrections applied to the paper printout of the electronic policy that may interfere with reading the information necessary for verification are not allowed.

conclusions

After registration of the electronic MTPL, the car owner receives it to his e-mail address in the form of a pdf file.

The appearance of the electronic OSAGO is not much different from the paper prototype: it is also colored (most companies have black and white), but with a simpler background, since there is no need for a micro-pattern that is applied to the paper version to protect the policy from counterfeiting ...

An electronic policy is a pdf document. Like a regular policy, it can be made in color or in black and white. Usually, there is a micro-pattern on OSAGO policies that prevents document forgery. However, this is not relevant for an electronic policy, so its background is less intricate.

In the upper right corner of the policy, the series - XXX is indicated, while the CCC or EEE series are indicated on paper forms.

The information provided in the document does not differ from the paper version:

date;
Insurance Company;
driver data;
vehicle information;
insurance period;
persons enrolled in insurance.

The photo below is an electronic OSAGO policy.

The new CTP forms will have the same legal force as the old ones. Moreover, at the request of car owners, representatives of the insurance company are obliged to replace the paper MTPL with a new one. To do this, you need to collect the necessary package of documents.

The whole procedure is free, except for the cases of ordering additional services.

Since October 2015, car owners have the opportunity to issue electronic analogues of compulsory car insurance.

First, you need to familiarize yourself with the following features of obtaining an electronic MTPL:

If compulsory car insurance is issued for the first time, only the paper version can be used. The same applies to the situation with the change of the insurance company. Such limitations are justified by the lack of correct data in the PCA database.
Registration takes place on the company's website. The user is sent a verification code, and he gives his permission to prolong the contract. The correct signature must be sent in a pdf file.
Recently, it became possible to make adjustments to the previously executed OSAGO agreement.

After receiving a positive response and payment for the service, an auto insurance form is sent to the indicated e-mail.

Representatives of the PCA and ARIA announced in the spring that the background of the document, on which graphic elements are depicted, has become more complex. The developers have introduced a color stretch between lilac and yellow. In general terms, the original of the certificate has been changed from green to pink.

According to official reports, the new CTP insurance policies of 2016 differ in the following details:

New color scheme for two-layer letterheads.
Changed font.
The size and location of the watermarks has changed.
In the center, you can see the image of the car in the light.
Vertically on the sides there are watermarks in the form of the PCA logo.
A metallized thread with the letters "OSAGO" is embedded in the plane of the certificate, the inscription "policy" is visible in the light.
In the upper right corner, there is a place for a QR-code, the cipher of which contains data about the insurance company. In the future, there will be information about the owner and the vehicle, which is in the PCA database.

As mentioned above, the new contract forms will have the same legal force as the old ones, and the company is free to exchange old samples for new ones without any additional payment. To do this, it is enough just to provide the required package of documents, after which you should be provided with new insurance as quickly as possible, which will be absolutely free in the event that you are not going to add any Additional services.

Since 2015, motorists have been able to issue policies via the Internet, and such documents have exactly the same legal force as paper policies.

Among the main subtleties of registration of electronic contracts, the following should be highlighted:

If you are registering OSAGO for the first time, then in this case, you can limit yourself to only the paper version, as well as cases of change of the insurer. Such restrictions are justified by the fact that new drivers simply do not have information recorded in the PCA database.
The contract is drawn up on the company's website, after which the user receives a verification code from the insurer to authorize further renewal of the policy. The correct signature in the format file must also be sent
You can make changes to an already executed OSAGO agreement, which was allowed relatively recently.

After the insurer receives a positive response and full payment for services, he sends the completed insurance form to the email address specified by the client.

All OSAGO policies (both paper and electronic) are drawn up according to the model established in Appendix No. 3 to the regulation of the Bank of Russia No. 431-P dated September 19, 2014, which approved the OSAGO rules.

General characteristics the policy is justified by the fact that it is issued by the state company "Gosznak", which is engaged in the field of printing and other important documents. Therefore, approximately the same security technologies and design fundamentals are used as for paper bills.

The main general properties of the form are:

The special density of the paper carrier. It is covered with a microgrid and has a light green color that is easy to perceive. The ornament protects the background field from counterfeiting.
In the presence of embossing with relief, namely - embossing in the area of the serial number, which also protects against counterfeiting.
Protective strips and fibers are embedded in the sheet. The main device is a metal sputtered strip. It is applied on both sides of the policy.
Watermarks can be found in the body of the letterhead. They are presented in the form of an emblem of the basis of the insurance company "RSA".
But the most important difference between the policy is its size. The body is 1-2 cm larger than a standard A4 sheet. This makes it easy to distinguish a fake.

READ ALSO: Buy an electronic OSAGO policy - ONLINE INSURANCE

The design of the 2015 sample is soft, nothing distracts from the content. In general, an insurance policy consists of two main parts:

Policy "body", protective background application;
the content of the document, that is, the filling area with all stamps, numbers and data.

The fill area has remained unchanged for some time, despite modifications. In 2016, it has not changed. Its main quality lies in its simple design, which is convenient for filling out and reviewing all the written information. Visually, the policy is divided into several zones, namely:

Cap.
Items listing fields.
Sighting area.

Each of the areas is divided into subspecies. So, the header contains a stamp, serial number and other information fields.

The electronic policy has been introduced on the territory of the Russian Federation since 2017. The procedure for taking online insurance is not necessary, it can be carried out at will, having only access to the Internet.

The size of the policy form differs from the standard A4 sheet - it is approximately 1 cm larger. The original document has a bluish-green ornament on the front side. The ornament cannot be copied when photocopying, and the paint is not afraid of water.

In addition, this form contains:

watermarks in the form of the PCA emblem, which are clearly visible if the form is viewed by light;
on the back side there is a metal strip 2 mm wide;
be sure to have a convex series and a 10-digit policy number located in the upper right corner;
there are red villi in the fibers of the paper.

Policy points of the sample of 2015

The photo below is a sample.

The presented sample is in many ways similar to the standard one. This document is stored in a special database. If necessary, it can be printed out on a printer and presented in each case when requested by car inspectors.

The authenticity of the e-policy presented in the picture is verified by entering its individual number on the website of the Russian Union of Auto Insurers.

Please note: the submitted form of the document does not have visual security elements. The content of e-policies for OSAGO is entered into the information base, which is subject to special protection.

There are eight paragraphs in the main body of the document. Items are marked, that is, each of them is marked with a corresponding number:

Information about the person for whom the insurance is issued (full name).
Vehicle details (brand, identification number, registration plate, etc.).
Field for specifying the type of insurance. Important: if, under the insurance contract, it is not only the decorator who can drive the car, you need to indicate the authorized other persons (full name) and their driving license numbers.
Information point about the sum insured.
Information on the insured event.
Territorial limitation of insurance.
Sum insured(the same for all companies by region);
Special marks. Here you can enter important additional clauses of the contract.

An OSAGO insurance policy is issued on special forms. For printing the electronic version, special paper with a protective coating is used.

The document must be certified by the person in charge and have all the appropriate stamps. It is important that all fields are filled in correctly.

What a clean template looks like

The insurance policy is a statutory form. You can see an example of it below.

In order to eliminate the possibility of document forgery, the policy is periodically updated. The series of the CTP policy is designated by three letters CCC, BBB or EEE.

Document Number	Located next to the series, consists of 10 digits
Period of validity of the terms of the insurance contract	Typically 2 years, but the form shows the exact date and month of graduation
Period designation	In which the car will be used
The data of the insured are indicated as individuals (surname, name, patronymic)	And legal (full company name)
The territorial coefficient is also indicated	Which is calculated based on the previous paragraph
Then the presence of scratches must be indicated	And other visible damage to the vehicle
Next, you need to specify the data	Vehicle identification, which include the brand, model, identification number, state registration number; this information is taken from the vehicle's passport, its series and number are also entered in the policy form
It is important to note the purpose of using the vehicle	What directly affects the calculation of the reference coefficient

Insurance companies offer two types of OSAGO insurance policies - limited and unlimited. This information is also displayed on the form.

To do this, in the third paragraph, a table is provided that lists the restrictions, if any.

If the insurance is unlimited, then a tick is placed in a special box in the upper corner of the form, and the table is filled in with dashes.

The OSAGO policy necessarily displays information about the amount of the insurance premium, which is the cost of the OSAGO registration service.

Old insurance problems

Everything here is according to the standard: the car is subject to insurance for a year. There are also temporary policies, then a specific time is indicated. With the periods of use, everything is like in the paper version - certain dates are written.

ATTENTION: The electronic OSAGO policy is an insurance familiar to all motorists, only drawn up not on a paper form, but in electronic form.

The essential difference lies not in the essence of the document, but in the order of its execution. To receive e-MTPL, the driver does not need to visit the UK and conclude a written contract. It is enough to carry out the registration of the policy at home on the computer on the official website of the insurer.

Thus, by purchasing an electronic OSAGO policy, the owner of the car, as well as issuing car insurance on paper, insures his civil liability in case of harm to other drivers or their vehicles.

When registering electronic insurance for a driver, all coefficients used to calculate the cost of remuneration of an insurance organization (MSC, coefficients depending on the age and experience of the vehicle owner, region, engine power, etc.) are saved.

The transition period will last until October 1, 2017. This is due to the large presence of old policies from insurance companies. After this date, clients will be provided with new documents. In the future, it is planned to completely abandon the "green" forms.

Self-registration of an OSAGO policy via the Internet is not yet very popular among drivers. It seems to us that it is safer to personally come to the insurance company and conclude a contract in person, having clarified all the available questions on insurance services.

If the insurance is invalid, you will have to cover the consequences of the accident out of your own pocket - therefore, the policy should be checked at the time of purchase.

What the document looks like

A paper insurance policy must have the personal signature of the policyholder - without it, the document is considered invalid. The electronic version of the document lacks the micro-pattern familiar to many motorists, which performs protective functions in the paper version of the document. In the electronic version, there is no need for such protection.

Electronic OSAGO has a PDF format. Visually, this policy format is no different from its paper counterpart and has the same legal force. In the electronic OSAGO all the information that should contain a paper analogue is registered. Visually, this document almost does not differ from a policy in paper format, which was filled out using a special program.

As for the structure of the new document, no fundamental changes have been identified. All changes in the new policy are related to the external characteristics and the certificate protection mechanism.

Namely:

the color of the letterhead was previously green, now it is pink;
graphic design has become more complex - there is a color stretch in the center, which flows from the main shade to purple and yellow;
curly drawings were added to protect against fake documents;
improved watermarks (PCA logo and images of cars) - their diameter and location have changed;
additional protection appeared on the sample of the insurance policy - a metallized strip with the inscription "policy" on it;
the fonts that are used in the letterhead received significant changes, now the letters have become much larger, it has become much more convenient to read;
at the top of the document on the right, there is a dynamic QR code (from January 1, 2018), which contains all the information about the policyholder and his vehicle.

What does the printed version of e-OSAGO look like? It is very similar to a unified insurance form, the data is located on two sides.

A distinctive feature is the electronic OSAGO in clause 8 on the first page contains information on the method of its acquisition, namely on which website it was purchased.

On the back you can see a long electronic key (signature), which consists of a large set of numbers and letters.

What needs to be provided to citizens, individual entrepreneurs, for registration of auto insurance:

a written application filled out on the basis of the approved form of the insurer;
the original of the card about the passage of the technical inspection. This document is issued based on the results of diagnostics and is limited to a specific period of validity, after which it becomes invalid.
document confirming the registration of transport. The owners of unregistered cars have the right to provide only a technical passport;
passport. If the insured and the owner of the car are different persons, then both provide the documents;
driver's rights.

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From October 1, 2016, a new pink form has been introduced. What caused the design change and what are the differences between the old and the new type?

The fill area has not changed. Its content is fully described above.

The structure of the background layer has undergone changes. It has now changed in color - from light green to hot pink.

The ornament is also different now. If previously a fine curly mesh in the body and patterned selections at the edges prevailed, now all the framing has disappeared, and only large patterned elements in the base of the paper remain.

They have the form of three-dimensional geometric models and flat figured shapes. A slightly modified fine mesh is preserved inside the pattern.

Improved protection is provided by the background. It is very difficult to fake it due to changes in the structure and brightness of the shades, besides, the color combination is not uniform, the shade changes from edge to edge. The protection has become stronger, and the start of high-quality counterfeits is predicted only by 2017.

How to issue an electronic OSAGO policy

Since the e-OSAGO purchase service is relatively new in the territory Russian Federation, for the convenience of car owners, instructions for issuing an electronic policy are offered:

It is necessary to select an insurance organization with which the driver would like to conclude a contract.
Go to the official website of the insurer and register.
In online mode, reflect all reliable information about the car (in particular, make, type, year of manufacture, engine power) and about the driver (including age, experience, the number of drivers allowed to drive).
Click on the "Calculate" button to determine the cost of insurance by the system, then click on the "Save" button.
Select a payment system from the list of systems offered by the company (card, electronic wallet) and pay for the policy.
Receive a link to download a file or an e-mail and print e-CTP.

IMPORTANT: The procedure for purchasing an electronic MTPL may differ for different insurers. As a rule, the website of insurance companies has detailed instructions for going through all the stages of document processing.

After the adoption of the decree of the Government of the Russian Federation, in the fall of 2015, a system of electronic insurance of vehicles and the responsibility of the drivers themselves was introduced. The procedure provides for the simplification of the application of insurance, the achievement of its availability for all regions and the transformation of the procedure for issuing a policy into a fast one, without lengthy registration at the office of the insurance company.

The 2017 electronic OSAGO policy does not provide for a personal visit of the driver to the insurer, and the process of issuing the policy is carried out via the Internet. Thus, you can issue an electronic OSAGO 2017 policy without leaving your home.

An electronic policy is endowed with the same legal force as a paper one, but it greatly simplifies registration. To carry out vehicle insurance, a motorist only needs to have access to the Internet. Now only a part of motorists is ready for the above-mentioned innovation, since there are some technical flaws. Insurance companies have announced that they are not ready to introduce such a service.

At the moment, about eighty insurance companies hold a license that allows them to issue OSAGO insurance policies. But only fifteen insurers provide such a service remotely. The aforementioned decree obliges all ICs to register policies using an electronic system.

The procedure for electronic registration of OSAGO 2017

The procedure for issuing a policy online is possible by connecting to the Internet and entering the necessary data about the insured car. It is possible to receive an electronic insurance policy after visiting the website of the insurance company, and the right of the owner of the car to contact a previously servicing insurer or to order a policy from a newly selected insurer offering more suitable conditions is retained.

Since the middle of last year, car owners have the opportunity to receive an electronic MTPL. This new method allows you to issue a document without queues and visiting an insurance company. The article discusses how to issue an electronic OSAGO policy and how it is convenient. The methods of obtaining it will also be studied in detail.

Electronic OSAGO

An electronically received document has the same effect as a paper one. It can be presented anywhere you need it. Electronic CTP insurance is issued directly via the Internet directly at the company, that is, on its official website. Car owners today can optionally make a purchase online or drive up to the office and purchase a document in the usual way.

Electronic MTPL insurance is information that a specific insurance company has concluded an agreement with the car owner, information about which is entered into a centralized database. Such a record gives a guarantee of the provision of services in accident case on a universal basis.

After the car enthusiast has issued and paid for the insurance, he receives an e-mail with a policy in the attachment. The document needs to be printed, and after that you should sign in the box provided for this. Although the latter is optional. Insurance Company uses a digital signature to secure a document with it.

If you want to additionally insure civil liability, you should know that in electronic form it is possible only when the insurance policy was issued in a similar way earlier and it is expected to extend its validity.

The price of an electronic or paper MTPL is the same. While e-ordering will not include a commission fee insurance agent.

There are calculators that can help you determine the cost of auto insurance. It depends on the power of the vehicle, the age and experience of the driver, the settlement in which the owner of the car is registered.

For example, for a 22-year-old driver who has a driving experience of about a year, owns a car with a capacity of over 100 horsepower and lives in Moscow, the cost in different insurance companies will vary from 14 to 16 thousand rubles.

And for the owner of a car with the same data set, but living in Khimki, the price of auto insurance will be about 13,800 rubles.

If you calculate the cost of such a service for a 50-year-old driver with thirty years of driving experience vehicle capacity up to 50 liters. With. living in Saratov, then the amount in this case will be no more than 4 thousand rubles.

Registration procedure

The document received in electronic form is a new service of auto insurance companies. Many drivers are wary of innovation and prefer the tried and tested old method. However, very little is needed for electronic registration.

How to issue an electronic OSAGO policy step by step?

Go to the official website of the UK.
Fill out the proposed application with your details.
The signature for an individual can be carried out electronically (using his account in the PF, that is, SNILS), and for a legal entity - with an enhanced qualified digital version.
After completing the registration, you need to wait until the data is loaded, the calculation will be made and the information is reconciled with a single database. At this stage, if necessary, the system can request additional information.
After that, you should pay for the policy in any convenient and customary way for the client.
Then they go to e-mail, save the document and print it.

Be very careful when entering your details into the application. Indeed, if the policy contains errors, typos and data that do not correspond to reality, this may become the reason that compensation in the event of an accident will be denied. And in the best case, the process of receiving the payment will be delayed.

If you have a limited list of drivers, then you need to specify data for each of them

Uncheck the checkboxes to discard options

The procedure for issuing e-OSAGO imposes a number of restrictions on drivers and cars that can be insured via the Internet. The fact is that during online registration, the data is checked and compared with information in the PCA (Russian Union of Auto Insurers) database, where information about last year's OSAGO insurance is entered.

Modern technologies do not stand still. Every day, more and more new services are offered that expand the capabilities of users and simplify the passage of various procedures.

This fully applies to OSAGO insurance. If earlier through the Internet it was possible only to use a calculator for calculating the cost of insurance, then recently drivers have been able to buy an electronic MTPL online via the Internet.

You can get the document either to your own email address, or by downloading it from the official website of the insurance company.