One of the key changes in OSAGO legislation is the possibility of issuing an electronic policy. The MTPL electronic policy is an electronic document equivalent to a policy on paper. The main objective of the electronic policy is to ensure the availability of sales in the regions and reduce the level of imposition of additional services by insurers. How and where can I issue electronic CTP?
Since July 1, 2015, it was possible to issue an extension of the current OSAGO policy in electronic form only at your insurance company. And finally, from October 1, 2015, individuals can apply for a new insurance policy in any company that provides this service. According to the RSA, to date, 27 insurance companies have joined the project for the implementation of OSAGO electronic policies, but only 13 are selling.
Theory of design of an electronic policy
To apply for an electronic policy, a client must register in his personal account on the insurer’s website. According to the decree of the Central Bank of the Russian Federation No. 3648-U, the insurer must identify the client and check the specified data for compliance with the information contained in the automated information system of compulsory insurance (AIS CTP). Data verification and the issuance of an electronic signature key can occur in the following ways:
a) on the insurer’s website. When registering, you must specify the last name, first name, middle name, data of an identity document, cell phone number or email address. If the information provided complies with OSAGO AIS data, a message with a code will be sent to the specified email address or cell phone number, which will be the key of a simple electronic signature (in fact, the standard registration procedure on any site). In case of data mismatch, the client will be refused registration and will be asked to contact the insurance company directly;
b) in the office of the insurer. A client can register and receive a simple electronic signature by directly visiting the branch of his chosen company.
The procedure can be bypassed using a simple electronic signature key issued within the framework of a unified system of identification and authentication to access the insurer’s website.
After gaining access to the insurer’s website, the client must fill out these applications in electronic form. These data are similar to the statement of CTP on paper. Using a simple electronic signature received from the insurer, the policyholder confirms the data specified in the application. Further, the insurer registers the application in its information system and sends a request to the OSAGO AIS to verify the correctness of the data provided.
In case of a positive audit result, the insurer provides the client with information on the size of the insurance premium, the timing and methods of paying the insurance premium. And asks for an email address for sending an electronic policy. After the payment of the insurance premium, the payment information is sent to the AIS CTP for registration and assignment of a unique number.
After receiving the number, the insurer forms an electronic insurance policy, sends it to the email address provided by the insured, and places it in the personal account of the insured. Information about the policy data (number, insurance period, period of use and name of the insurer) can be sent in the form of a message to the insurer’s mobile number. If the policy is issued electronically, the vehicle is not inspected by the insurer. The CTP policy in electronic form is printed out by the insured independently on sheet A4 and must be presented at the request of the traffic police.
If the data specified in the electronic application do not coincide with the information contained in the AIS CTP, according to the CTP Rules, the electronic policy cannot be concluded. The insurer informs the client about the impossibility of concluding an electronic policy and sends a letter to the email address with the reason for the refusal.
The practice of applying for an electronic policy
The first problem when registering an e-policy that a client may encounter is determining the list of insurance companies that implement this service, since the data posted on the PCA website diverges from the information specified in its news releases. As of October 2, 2015, 11 insurance companies are listed on the website of the Russian Union of Auto Insurers, and the latest news reports mention 13 insurance companies, and the lists are somewhat divergent.
The actual number of insurance companies that realized by October 1 the possibility of issuing an electronic CTP insurance policy for new customers is even lower. Only in four companies we managed to find this option and get to the moment of paying the policy – in Rosgosstrakh, Renaissance Insurance, RESO-Garantia and Tinkoff Insurance.
Data was requested for the Moscow region, where there has never been a problem with the acquisition of a policy, and it is possible that in some regions the situation may differ for the worse. In Renaissance Insurance and Tinkoff Insurance there is an opportunity to issue a policy only for Moscow, Moscow Region, St. Petersburg and the Leningrad Region. A number of insurers have an electronic OSAGO purchase service located in an unobvious place. Some do not understand until the last stage of registration whether there is such an opportunity, or everything will be limited to filling out an application for a paper policy. The possibility of identification using a key issued within the framework of a unified system of identification and authentication was not found in any of the insurers.
The registration procedure differs slightly from that given in the instruction of the Bank of Russia. As a rule, the first step is to enter all the data necessary for a complete policy: about the car owner (including passport data), data about the vehicle (make / model, year of manufacture, engine power, VIN, vehicle passport data, etc. e.), data on persons admitted to management.
At the same time, data may be requested that do not affect the cost of the policy in any way and are not reflected in the MTPL statement. In some insurance companies, as a document confirming the registration of the vehicle, it is not possible to enter the data of the registration certificate – only the vehicle passport. Based on the completed data, an initial check is carried out in the AIS SAR (including checking the availability of a valid diagnostic card). Any mistake in entering data, for example, writing the data of a registration mark in the Russian layout, can lead to a refusal to conclude an electronic policy due to data mismatch with those available in the PCA database.
If the verification is successful, a simple electronic signature code is sent to the client by e-mail or cell phone. This code is necessary to complete the creation of a personal account.
In the personal account, all the data specified earlier will be transferred to the insurance application. It is only necessary to supplement the questionnaire and choose the method of registration of the policy – an electronic policy, delivery or registration in the office. After choosing the electronic design method, a repeated check is carried out in the SAR database. If the results of the final check revealed an error, but you are sure of the accuracy of all the data, it is better to try to send a request for verification in a few minutes, since the likelihood of a technical failure is very high. (Tested on my own experience, when with identical data the service then confirms the possibility of a purchase, then refuses it.)
The most unpleasant thing is that the reasons for the refusal to apply for the policy are not explained, the formal answer comes “the data you submitted in the insurance application does not match the data of the automated OSAGO RSA information system”. Without indicating which data did not match. Employees of the insurance company do not clarify the situation, but offer to issue a policy on paper.
The obvious positive quality of the insurance policy is the convenience of its design. There is no need to look for an office of the insurance company, arrange meetings with couriers or agents, there is no possibility of imposing additional services. In fact, the risk of acquiring a fake OSAGO policy is reduced to zero, since the use of intermediaries when concluding an agreement in electronic form is prohibited by law. The only thing needed is Internet access and the ability to print a policy. The main problems that a person wishing to purchase a policy may encounter are a small number of service companies and technical failures in information systems.