Procedure for concluding the contract of OSAGO In the form of an electronic document

On January 1, 2017, amendments to Federal Law No. 40-FZ of April 25, 2002 "On compulsory insurance of civil liability of vehicle owners" (hereinafter - the Law on MTPL), according to which insurers are obliged to provide an opportunity to enter into an OSAGO contract In the form of an electronic document with each person who applied for the conclusion of such a contract.

For the conclusion of an electronic OSAGO contract, the following actions must be taken:

- go to your personal account on the insurer's website (register on the insurer's website or go through the Russian Federation Public Services Portal);

- fill in the application for the conclusion of the contract in the personal cabinet.

After completing the application, the data specified therein is verified through the Automated Information System of the Russian Union of Auto Insurers (hereinafter - AIS SARA).

If the audit showed that the information in the application does not comply with the information in the AIS of the SAR or absent in the AIS of the SAR, the insurer sends the appropriate notification to the e-mail address specified by the insurer with the transfer of the information that is not relevant (absent in the AIS). The insurer also displays this information on its website in real time.

In addition, the insurer informs about the need to provide in the form of electronic copies of the documents specified in subparagraphs "b" - "e" of paragraph 3 of Article 15 of the OSAGO Law.

Please note that without providing electronic copies of documents, the insurer will not be able to calculate the insurance premium. Presented copies of documents must fully reproduce the information of the original document, the text of the documents should be freely readable (dates, requisites, inscriptions, seals, etc. should be clearly visible, glints or cut-off parts of documents making copies unreadable are not allowed).

In the case of providing unreliable information to the insurer that entailed an unjustified reduction in the amount of the insurance premium, the insurer has the right to collect from the insured the amount of insurance payment after its implementation to the victim.

After confirming the compliance of the information submitted to the information contained in the AIS of the RSA or checking the electronic copies of the documents, the insurer displays the calculation of the insurance premium on the site. After payment of the insurance premium, the electronic policy is sent to the e-mail address of the insured and placed in his personal account.

The received electronic policy of OSAGO must be printed and carried with you when driving a vehicle. The electronic policy of OSAGO has the same legal force as the insurance policy, issued on a letterhead of strict accountability in the insurer's office.

The register of the members of the Russian Union of Motor Insurers engaged in registration of electronic OSAGO policies is available on the website http://www.autoins.ru in the section "Electronic Policy of OSAGO".

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