What is RSA E-guarantor and how does it work? How the system of guaranteeing the purchase of an electronic CTP policy works

The Russian Union of Motor Insurers (RSA) has decided to improve the system of guaranteed conclusion of electronic OSAGO contracts. If, for technical reasons, the car owner cannot purchase an electronic policy on the website of the insurance company, he will be redirected to a special closed part of the PCA website. An application filled out on the insurer's website with all the data entered by the user will also be automatically sent there. Payment of the insurance premium will need to be made on the PCA website, and it will go to the insurer's account. After that, the citizen will receive the policy to the email address. Relevant information is posted on the website of the Club of Journalists of the RSA.

It began to be applied from January 1 of the current year - when the sale of auto insurance in this form became. However, the RSA, according to the President of the Union Igor Yurgens, so far there have been no mechanisms to control the redistribution of users who wish to purchase an electronic OSAGO policy, but who have encountered technical failures in the operation of the insurer's website. Due to the fact that the PCA will be included in this process, the number of complaints from citizens and fines for insurers is expected to decrease. The new mechanism, as noted, guarantees the conclusion of OSAGO agreements in electronic form and will ensure full control over the process by the Union.

Who has to pay amounts exceeding the amount of compensation for OSAGO? Find out from the material "What is included in the insurance compensation for OSAGO" in "Home Legal Encyclopedia" Internet version of the GARANT system. Get 3 days free!

In addition, the RAMI decided to extend the operation of the RAMI Single Agent system until December 31, 2017. Recall that it was originally planned that the agreement, under which they sell OSAGO policies as agents on behalf of all other insurers, will be applied until July 1, 2017.

The purchase of an electronic OSAGO takes place in a matter of minutes: the user selects an insurer, registers a personal account on its website, sends an application, uploads documents and pays for the services of the insurance company. However, sometimes not everything is so simple: there are technical problems, or the insurance company simply refuses to cooperate with the motorist. One way or another, the policy is still needed. Where to buy it and what is the guaranteed conclusion of an OSAGO contract in electronic form, you will learn further.

Benefits of electronic OSAGO

Drivers have already managed to evaluate the advantages of electronic OSAGO. Soon the government plans to switch to this type of insurance document completely, which means that paper policies will become obsolete. The Russian Union of Motor Insurers guarantees the issuance of e-OSAGO through the RSA website. Main e-OSAGO conveniences:

• registration takes a minimum of time - the whole procedure takes no more than 15-20 minutes;
• the purchase of a policy is carried out through an online platform, and this makes it possible to compare the offers of different insurance companies and choose the most profitable option;
• the policy is bought remotely - there is no need to visit the office of the insurance company and wait until the queue comes up;
• the document is freely available to the owner of the car, in his personal account on the website of the insurer - it can always be duplicated in case of damage or loss;
• the policy can simply be photographed on the phone - the main thing is that the series and number are clearly visible;
• the ability to choose only the most necessary options when buying a policy, which allows you to save a lot.

The procedure for concluding an agreement through a single agent on the PCA website

The E-GARANT guaranteed insurance system has been launched on the RSA website. It is designed to provide an e-OSAGO policy for every driver on the territory of the Russian Federation. The user can exercise his right under the system of guaranteed conclusion of an auto civil liability agreement if:

• registration of the policy through the website of the insurer, to which the motorist previously applied, is impossible for technical reasons;
• the driver lives in a region where there are problems finding reliable insurance;
• the motorist has a bad insurance history and the UK does not want to cooperate with him.

If, when visiting the insurer's website, the user encounters any problems with documents or the IC has reasons for terminating cooperation, it must notify him of this and post information on this issue. In this case, the user is immediately redirected to the site of another insurer, and is guaranteed to buy e-OSAGO there.

The PCA website also has a Single Agent service that selects an IC by random selection by the PTS number. However, at the moment, his work is suspended due to the fraud of insurers. It was replaced by "E-GARANT" - a service for guaranteed conclusion of an OSAGO contract in electronic form.

The procedure for concluding an agreement

On our website it is possible to extend the validity of insurance or buy a new policy. With us, the insured is guaranteed to draw up a civil liability CMTPL agreement. First you need to calculate the amount of the insurance premium on the online calculator. You will need to fill in the following information:

• make and model of the car;
• mileage and its approximate cost;
• region of residence and experience;
• name and contact phone number.

Immediately after sending the data, an operator will contact you, who will help you choose the most advantageous offer, taking into account the provided initial data.

After the choice of an OSAGO insurance company and an insurance program is made, the user:

• receives an invoice for payment;
• makes a payment in a convenient way (bank card, electronic wallet, etc.);
• receives e-OSAGO by e-mail;
• print out the policy and carry it with you.

If there is a desire to receive the policy by mail, it can be sent by courier - in this case, you will need to pay extra for the delivery of the document.

On a note! The cost of an electronic policy does not differ from the price of a paper document. The amount payable for OSAGO with restrictions without imposed additional services is always the same - it is formed by multiplying the base rate by the coefficients.

What determines the cost of the policy

Of course, the cost of OSAGO in each individual case will be different. Each insurer sets its own rates, including additional risks and services in insurance programs, and the OSAGO guaranteed conclusion program is no exception. Sometimes these imposed points can double the cost of the policy - that's why you need to consider many different offers.

However, the price for insurance is formed very simply: the base rate is determined, which varies depending on the region, and is multiplied by several. The value of each coefficient directly depends on a specific indicator: the total and accident-free experience of the driver, his age, engine power, region, the number of allowed drivers, the validity of the policy, the presence of a trailer.

Important! The driver's maneuverability and accuracy on the road have a significant impact on the cost of OSAGO, which reflects the value of the bonus-malus coefficient. If the driver is extremely attentive and does not allow accidents through his fault, the cost of the policy is reduced by 5% annually. If he provokes several accidents a year, his insurance for the next period can cost two, or even two and a half times more.

What documents are required

The list of documents that will be needed to purchase a policy online is specified in Article 15 of the Law "On OSAGO". The package includes:

• passport of a citizen of the Russian Federation;
• TCP or STS (or other similar document);
• diagnostic card;
• driver's licenses of all allowed drivers (this is not required for registration of OSAGO without restrictions);
• certificate of registration (for legal entities).

These documents (except for the diagnostic card) are provided to the insurer once, and subject to continued cooperation, they will no longer have to be scanned and uploaded on its official website. Convenience is obvious - the next time you apply for a policy, the information in it will be partially filled in automatically.

On a note! Regardless of the form in which the policy was purchased, it does not hurt to register a personal account on the insurer's website. This will allow not only to print the purchased e-OSAGO, but also to keep track of the insurance history.

Benefits of registering on our website

The key advantages of registering OSAGO through our website are as follows:

1. The ability to compare offers of several insurance companies and choose the most profitable one.
2. Consultation of a specialist who will help you choose the best option from a huge stream of offers.
3. Ease of filling out the form for calculating OSAGO.
4. Payment for the service by bank transfer.
5. Protection against the imposition of unnecessary services.
6. Receipt of the policy immediately after payment by e-mail.

Conclusion

Today, every driver can be guaranteed to conclude an auto civil liability agreement online. If there are any problems when applying for a policy, he is redirected to another site, where he can re-send the application and buy compulsory insurance.

Important! An appointment with a specialist for a free consultation on insurance and a car lawyer occurs through an online consultant. Just fill out the form below.

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Insurers have launched a "system for guaranteeing the conclusion of an OSAGO contract in electronic form." What is it and how does it work?

"E-Guarantee" is a system for guaranteeing the conclusion of an OSAGO contract in electronic form. The system began to work in full in the fall of 2017. Now about 16% of all e-OSAGO policies are sold through it.

The guarantee system was developed and launched by the Russian Union of Auto Insurers (RSA) in response to numerous complaints from car owners about the inability to buy an OSAGO policy on the websites of insurance companies - due to technical failures that began when the load on the sites increased manifold. This happened after from January 1, 2017, all insurers licensed for liability insurance of car owners were obliged to sell policies in electronic form. In February 2018, already 42% of all “autocitizenship” policies were sold via the Internet (in 2017, 7.7 million OSAGO electronic policies were sold, a year earlier - only 331 thousand).

Now, if there are technical problems on the website of the company you contacted (including if the “forms”, that is, policy numbers, have run out), you are automatically “thrown” to the closed part of the PCA website. Where the contract is drawn up, after which the policy comes to your e-mail.

What is the difference between an electronic OSAGO policy issued on the website of an insurance company and a policy issued on the PCA website?

Nothing. Both are issued directly by the insurance company. Just in the first case, you get the policy of the company whose website you originally visited. And in the second - the policy of another insurer.

How is the company determined from which the policy will be issued through the E-Guarantee system?

The system selects an insurance company randomly - according to the vehicle registration number (PTS) of your car.

Will I have to re-fill out the application on the PCA website and enter all the data that I have already entered on the company's website?

No, you don't have to. When you go to the PCA website, all the entered data and the completed application are saved. The company in which your policy will be issued "sees" all the data that you entered on the competitor's website.

Do I need to attach scans of documents when applying for a policy through the PCA website?

You may need to attach scans of documents if the data you entered do not correspond to those available in the PCA database (that is, they have not been verified in the OSAGO AIS) or if you have never issued an OSAGO policy before. If you have a valid OSAGO policy, your data is in the system. The main thing is to enter them correctly when filling out the application.

How are the documents (scans) sent by me or the entered data checked?

The data specified in the application is automatically checked by AIS OSAGO itself. Scans are not checked by the system, but directly by the insurer. Now there is a process of integrating the AIS OSAGO with the databases of the traffic police and federal executive authorities for information exchange. This is necessary in order to exclude fraud with documents when applying for a policy - it will not be possible to buy a policy if the policyholder enters incorrect data on the region, vehicle power, etc. (including with the aim of reducing the insurance premium through the use, for example, incorrect territorial coefficient). The system is currently in test mode. After debugging processes and eliminating bugs, all data will be checked automatically. After the interaction is fully established, scans of documents will not be needed - the check will be completely automatic.

Is it safe to pay for OSAGO directly on the PCA website?

When connecting "E-Guarantees" payment is made directly in the closed part of the PCA website, which is completely safe. At the same time, your money goes directly to the insurer, with whom an electronic OSAGO agreement will be concluded.

When will my policy be entered into the PCA database and take effect?

The policy you paid for is entered into the PCA database automatically immediately after payment. It begins to operate from the date indicated in it, that is, from the moment the contract expires, which you indicated in the application, but not earlier than the payment of the insurance premium has passed. As confirmation of the conclusion of the electronic OSAGO agreement, AIS OSAGO will send you a message with information about the concluded electronic OSAGO agreement and the electronic OSAGO agreement itself, signed with an enhanced qualified electronic signature of the insurer. Earlier, representatives of the Bank of Russia announced their intention to introduce a temporary franchise - a delay in the commencement of the policy in order to exclude the conclusion of an insurance contract after a traffic accident in which cars were damaged. However, the Central Bank of the Russian Federation has not yet issued such orders.

Is it possible to buy a policy directly on the PCA website so as not to suffer with the choice of an insurance company?

No, such an opportunity is not provided - in any case, an insurance company issues an electronic policy. The Russian Union of Insurers is not a subject of the insurance business.

Members of the Russian Union of Motor Insurers at the annual meeting could not agree on the extension of the "Single Agent" system for another six months due to the categorical protests of several auto insurers. Banki.ru was informed about this by one of the meeting participants.

Energogarant, Siberian Insurance House and Pari, as well as MSK Strazh, in which the regulator introduced temporary administration on Friday, voted against the extension of the system, which did not allow the meeting to make a decision on this issue. According to a source for Banki.ru, only one of the four items on the agenda was unanimously adopted - “Approval of the “Priority Areas of RAMI Activity”. On the other two items on the agenda, concerning the renewal of the guarantee system for the purchase of an OSAGO policy, it was not possible to collect the required two-thirds of the votes.

The decision on item 3 - “Introduce changes to the “Priority areas of activity of the RCIA to ensure the possibility of concluding a contract for compulsory insurance of civil liability of vehicle owners in the form of an electronic document from January 1, 2017” - was postponed to an extraordinary meeting on June 23.

The “Single Agent” system, which allows insurance companies (ICs) to sell policies of other insurance companies that are not present in the region, and thus ensure the possibility of purchasing an OSAGO policy throughout the country, has been operational since June 1, 2016. Then it was called a forced and temporary measure, but now we are talking about extending its work for another six months, despite the successful sales of electronic policies that have increased the availability of OSAGO in the regions.

RSA has developed a system for guaranteeing the conclusion of electronic contracts. It is activated when, for technical reasons, the consumer fails to conclude a contract on the website of the insurance company. In this case, there is a redirect to the site of another insurer, which is selected for the consumer by the distribution system according to the PTS number. Many car owners complained that the system fails, and with such a "throw" it is still not possible to buy an e-OSAGO policy.

The system is buggy

Since the beginning of the year, twice as many “autocitizenship” electronic policies have already been sold than in all of 2016. The number of complaints from insurers to the People's Rating of Banki.ru also increased sharply. We collected the most typical and most unusual cases and asked insurers to comment on the claims of the people.

As a result of a huge number of complaints, the Bank of Russia launched checks on the operation of the guarantee system and revealed violations by the largest insurers in the sale of electronic OSAGO policies. According to the Deputy Chairman of the Central Bank Vladimir Chistyukhin, each of the 12 largest auto insurers had violations. The check of the Central Bank showed that it is very problematic to buy an electronic OSAGO policy, Chistyukhin noted.

“This system worked, but the RSA did not have mechanisms to control this redistribution. It was impossible to track whether a person was able to conclude a contract on the website of the insurer where the system redirected him,” explained Igor Yurgens, President of the RAMI. Now, in the updated e-OSAGO Garant system, which, according to the plan of the PCA, should start working from July 1, 2017, if it is impossible to issue a policy on the IC website, the client will be redirected to the PCA website, where the policy will be issued from a company that is selected automatically according to the registration number of the insured's car.

Starting from July 1, RAMI will launch a system of guaranteed conclusion of CMTPL electronic policies through the website of the union

An extraordinary general meeting of the Russian Union of Auto Insurers (RUA) on June 23 will consider the issue of improving the system of guaranteed conclusion of OSAGO policies in electronic form (“e-OSAGO Garant”). This was announced by the President of the RSA Igor Yurgens.

The implementation of this scenario will ensure the guaranteed conclusion of OSAGO contracts in electronic form, ensure full control over the process by the PCA, and reduce the number of complaints and fines for insurers, the PCA believes. “As a result, we will see a balanced distribution system for unprofitable clients, we will simplify the document flow,” explains Igor Yurgens.

The RAMI, leaders of the auto insurance market and the regulator, which, according to the March statements of the Deputy Chairman of the Central Bank Vladimir Chistyukhin, are "not yet ready" to agree to the abolition of the system, are supporting the preservation of the "Single Agent" system.

Against the system are small companies, to which, in their opinion, unwanted customers are “kicked off”. The main argument of the opponents is that the “Single Agent” system leads to an increase in unprofitability and RIA, pushes companies towards unfair competition and will eventually lead to a mass exit from the market of small companies.

“This is just a cover for the mechanism of selection of customers in electronic sales,” explains the source of Banki.ru. “Only if earlier the so-called replacement insurers could, in one way or another, evade the sale of an electronic OSAGO policy to an undesirable client redirected to them, then under the new guarantee system this will no longer be possible.”

The results of the 1st quarter of 2017 for OSAGO suggest that there is some truth in this position: with the exception of Rosgosstrakh, the level of payments of the auto insurance market leaders is 72.5%, and for all the rest, who are below the tenth position in the ranking, - 97.7 %. “A few more months of such work - and most companies will be forced to either surrender their license under OSAGO or leave the market,” the expert warns. “The actuaries, in agreement with the Central Bank, estimate the loss ratio on policies sold through RSA-Agent at 300% and force us to form appropriate reserves for them.”

In PCA, the protests of small OSAGO insurers are explained as follows: “It seems possible for them to avoid receiving losses by maintaining neutrality and conducting operations in a certain region. However, this cannot be achieved, since participation in the “autocitizenship” involves working under a federal license, that is, throughout the country, including unprofitable regions.” The refusal to renew the operation of the Single Agent system of the PCA, which makes it possible to purchase an electronic OSAGO policy remotely, will hypothetically lead to the fact that the Bank of Russia will carefully check each player in the OSAGO market in terms of ensuring the legal requirements for the mandatory and uninterrupted sale of policies on throughout the country. Not a single player will be able to avoid the increased attention of the regulator, the head of the PCA believes. Non-compliance with the requirement to ensure uninterrupted sales of e-OSAGO policies established by the Central Bank of the Russian Federation may cost players a license, the head of the PCA warned.

According to RSA estimates, OSAGO insurers under contracts in 2016 will receive a loss of 12.3 billion rubles. “In total, the amount of payments will amount to 240.4 billion rubles. The volume of premiums collected by OSAGO insurers at the end of 2016 amounted to 228 billion rubles, it is obvious that the market will show a negative financial result,” Yurgens said.

The union's calculations also show that, if we take into account the cost of doing business (RVD), the loss on contracts in 2016 could amount to 64.8 billion rubles.