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Do I need to print out an electronic insurance policy? How to present an electronic insurance policy. Is it possible to show insurance on your phone?

Since 2015, all insurance companies have been required to issue electronic MTPL by changing the forms on their websites. The document is sent by email and has full legal force. As a result, more than 300 thousand insurance policies were issued in 2017, a number that is constantly growing.

Having received a new policy, the question arises: “Do I need to print out the electronic MTPL policy?” The legislation gives a vague answer, so it is recommended to understand the situation before problems arise with the traffic police inspector.

What it is

The electronic document has full legal force and is no different from the traditional version. It contains the series, number and information for receiving compensation after an accident. The only differences are in the way the policy is issued.

If a traffic police officer stops a driver, he checks for the presence of compulsory motor liability insurance. If there is nothing to present, the policy is checked through the RSP database or using the single IMTS resource. You will need the registration plate or VIN number of the vehicle.

The system is not fully developed, so sometimes problems arise. Drivers are not told exactly whether they need to print out the MTPL and take it with them. Everyone chooses for themselves, based on their experience of communicating with traffic police officers.

Do I need to print out the policy?

According to statistics, only in 2017, about 25% of drivers throughout the Russian Federation received e-OSAGO, which means the issue of the need to print out such a document is more relevant than ever. The legislation does not establish rules that would oblige drivers to have a printed copy.

There are job descriptions for employees of the Ministry of Internal Affairs that oblige inspectors to check compulsory motor liability insurance without the driver having it. However, employees continue to demand a paper policy.

Citizens have the right to argue with inspectors, appeal the issued fine, and they will be right. However, the trial takes a long time. If you carry a printed copy with you, you can save nerves and time when checking documents on the road and not receive a fine.

When registering

There is no law requiring you to print out an electronic policy when registering. However, the procedure will be faster if the traffic police officer receives a paper version of the policy.

On a color printer

The legislation does not establish a difference between the color and black and white versions of OSAGO. The traffic police inspector is required to check any printed version.

Where can I do this?

There are several options for obtaining electronic compulsory motor liability insurance, which will quickly be accepted by traffic police inspectors. The client can complete the first option independently within a few minutes:

take out a compulsory motor liability insurance policy;
pay for insurance;
receive an electronic version by email;
open the PDF form on your computer;
edit the document if you need it to fit completely on A4 paper;
connect the printer, click “print”;
take printed paper with you;
go to any branch of the insurance company;
provide a passport and E-MTPL;
ask to certify the policy with a seal and signature.

The second option takes longer, but is suitable for users who do not have a printer at home. You will need to apply for and pay for the policy online, then call the insurance company or write by email.

In the notification, ask to send a certified copy. If this option is not available, all that remains is to go to the insurer in person and pick up the MTPL with your passport.

How to print

Some drivers make the mistake of going to the insurer after payment and picking up a color version of the policy. The law allows for a faster method of action.

To print the policy, just select one of the appropriate options:

Important points

To avoid problems with electronic compulsory motor liability insurance, it is recommended to carefully select an insurer. You can rely on the following criteria:

do not buy policies at dubious prices. OSAGO is regulated at the federal level; companies themselves cannot lower prices or offer large discounts. If a company promises insurance 2 times lower than everyone else, most likely it is using fake forms. Under such a policy, damage after an accident will not be compensated;
read online reviews from other customers. There are independent agencies that provide ratings to insurers. In addition to them, many review sites are available to citizens. It is recommended to take into account the stability of payments, the percentage of refusals for insured events, the number of representative offices in Russia and the reliability rating;
check the information in the policy. If a citizen makes a mistake, the insurance will not be valid. When OSAGO arrives in the mail, you need to immediately check the information with the documents.

If a citizen was stopped by a traffic police inspector who refuses to conduct an e-MTPL check without a paper version, he can issue an administrative fine. It is allowed to appeal within 10 days after receipt.

The court always sides with the citizen, the order will be canceled. Trials last from a month to three.

It is not necessary to have a copy certified by a notary or an insurance company; a regular A4 sheet has full legal force under compulsory motor liability insurance. The legislation has already established standards for checking E-policies, and they are gradually being introduced into the daily life of drivers.

So far, not all traffic police officers can quickly check electronic compulsory motor insurance, but the government promises to quickly change the situation for the better.

All insurance companies are required to provide e-OSAGO, otherwise the Central Bank will temporarily revoke the license for civil liability insurance. To get a policy, just register on the website and fill out a short form.

It is important to immediately check the correctness of the data so that the OSAGO is valid and has legal force.

Today, the use of an MTPL policy is strictly mandatory for all citizens using a car on public roads. Relatively recently, it became possible to carry out the process of issuing a policy of this type remotely, via the Internet. To do this, you will need to familiarize yourself in advance with all the intricacies of obtaining it, as well as its further use - for example, in the case of checking documents by a traffic police officer.

General concepts

A policy is a special document that serves as the basis for receiving insurance payment.

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It is important to note that the accrual process itself has a large number of different important subtleties.

But first of all, you should familiarize yourself with the procedure for obtaining a policy. Because despite the fact that the process itself is quite standardized, there are nuances.

The receipt itself can be implemented as follows:

Through the Internet.
Independently through the company's office.

Both methods have their advantages and disadvantages. Relatively recently, a large number of different companies provided services for issuing compulsory motor liability insurance policies via the Internet.

But recently, such a service became not optional, but mandatory for all insurance companies without exception.

This has led to the fact that the cost of compulsory motor liability insurance policies has become slightly higher than it has always been before.

Since previously insurance companies were able to manipulate the cost to obtain significant benefits.

Before the introduction of special legislative documents, traffic police officers often had questions about insurance.

Since not all inspectors were aware of the possibility of presenting an electronic OSAGO policy in printed form.

RSA relatively recently introduced special regulations for the sale and use of electronic MTPL policies.

Failure to comply with traffic rules often causes accidents. Accordingly, a special protocol is drawn up.

What it is

The OSAGO policy itself in electronic form is a special format form - it includes information about the drivers admitted to the board, as well as about the car. Its format is determined by law.

It is important to note that the absence of a compulsory motor liability insurance policy as such may cause:

That is why you should not neglect purchasing this type of policy. This will allow you to avoid many difficulties and difficult moments.

And also extra expenses - in the event of an accident or if the car is stopped by a traffic police inspector.

Moreover, insurance of this type must be available for both cars and trucks.

It is worth noting that another important advantage of a policy issued electronically is precisely its authenticity. It often happens that an MTPL policy is counterfeited and sold as a real one.

In such a situation, it will simply be impossible to compensate for the damage at the expense of the insurance company.

That is why it is worth familiarizing yourself in advance with all the ways to check the authenticity of a compulsory motor liability insurance policy. It is important to work out this point in advance.

At the same time, an MTPL policy can be issued electronically via the Internet, on the company’s official website.

The likelihood of fraud in this case will be minimal. Therefore, problems with compensation simply will not arise.

Previously, insurance companies, for various reasons, were unwilling to properly carry out the registration process online. But recently this process has been established by law.

Who falls under the category

Insuring a car with an MTPL policy is mandatory not only for individuals, but also for legal entities.

Moreover, almost all insurance companies, without exception, simultaneously work in these areas.

The basis for compulsory insurance of all cars used in our country is determined by Federal Law.

In accordance with this regulatory document, all legal entities without exception are required to insure cars.

Many insurance companies offer large discounts on insurance premiums, depending on the number of cars available.

For example, if a legal entity is a large taxi company, one insurance contract is concluded for all cars.

Insurance for legal entities is usually carried out on an individual basis - a separate contract is required for each car.

Moreover, insurance by an individual can be carried out:

The amount of the insurance premium currently differs depending on a number of different factors. Every year the number of issued MTPL policies is growing.

Where to go

Until recently, only a limited number of insurance companies were issuing MTPL policies via the Internet, using their own websites.

Since recently, since January 1, 2020, all insurance companies, without exception, are required to provide their clients with the opportunity to issue an MTPL policy via the Internet.

It is only important before purchasing a policy to make sure that a particular insurance company has a license from the Central Bank of the Russian Federation to carry out the relevant activities.

This will allow you to avoid many difficulties and problematic issues.

For 2020, a fairly large number of companies offer to issue an MTPL policy.

When choosing, you should focus on the following factors:

The optimal solution would be to contact companies that have an A+ reliability rating and more.

In this case, the likelihood of bankruptcy and liquidation during the insurance period will be minimal. Since such a rating compiled by a special agency is long-term.

Otherwise, if you purchase an MTPL policy from an insurance company that has a lower rating, there is a high probability of difficulties in obtaining compensation.

The optimal solution is to contact the most serious enterprises that have been operating in the insurance market for a long time.

This will allow you to avoid many difficulties and problematic issues already at the stage of receiving insurance payment. You need to familiarize yourself with all the nuances in advance.

Also, many insurance companies provide significant discounts to their regular customers. If a citizen was previously insured with one of the companies mentioned above, it is worth renewing the policy.

In the absence of previously received payments, it will be possible to avoid many difficulties and problematic issues. This way you can save quite a significant amount of money.

If you can’t find an insurance company on your own, you can simply contact a credit broker.

Do I need to print out the electronic MTPL policy?

It will be possible to check the reliability of the MTPL policy through an electronic database or by conducting an examination.

Moreover, both of these methods are not 100% insurance against the purchase of a “fraudulent”, fake policy. Some forms are simply stolen from companies and sold as if they were real.

In the future, if an accident occurs, insurance companies naturally refuse to pay compensation under counterfeit policies.

It is for this reason that it is worth choosing an electronic insurance policy. In this simple way, you can prevent many difficulties and problematic issues in the future.

You just have to remember that after purchasing the electronic MTPL policy you need to print it out on a color printer.

This way it is possible to avoid questions from the traffic police regarding the presence/absence of a compulsory motor liability insurance policy.

The main questions that you should familiarize yourself with in advance include:

does the traffic police require this?
what are the differences from the original;
what is the procedure;
possible difficulties;
important nuances;
what is regulated.

Does the traffic police require this?

Relatively recently, there were by no means rare cases on the road when the traffic police issued fines only on the basis of not having the original OSAGO policy in hand.

In this case, the driver provided a printed policy purchased electronically through the company’s website.

Recently, it has been officially allowed to print out the policy and provide it as such to a traffic police officer. But not all employees are aware of this rule.

Back in July 2015, traffic police officers were given all the explanations regarding the possibility of citizens using an electronic MTPL insurance policy.

But at the same time, no one has canceled the traffic rules. No changes were made to them.

According to these, the driver will be required to provide the traffic police officer with the following documents when stopping:

Driver's license.
Vehicle Registration Certificate (VRC).
OSAGO policy.

But in electronic form or in printed form is not specified. This is precisely the rub.

The solution to the problem is to print out the policy issued via the Internet. But often the traffic police officer simply does not have the ability to check via the Internet.

If the traffic police officer does not agree to accept the printed compulsory motor liability insurance policy, you must contact a higher-ranking authority.

What are the differences from the original

The OSAGO policy itself in electronic form has certain differences from the usual one. But these are minimal.

At the moment, the electronic insurance policy includes the following main sections:

Company name;
individual serial number;
duration of the policy;
individual data of the policyholder;
personal data of the owner of the vehicle;
data of the car itself (make, model of the car, series and PTS number);
the purpose of using the car is indicated;
a complete list of citizens allowed to drive a car is indicated;
the insurance premium is calculated;
date of conclusion of the insurance contract;
date of issue of the policy itself.

The format of this type of policy is completely standard. But it’s quite easy to fake such a printout.

That is why many traffic police officers are suspicious of these policies. In addition, it is not always possible to verify the authenticity.

This can be done using your individual policy number via the website:

SAR databases.
Official, insurance company.

What is the procedure

The process of purchasing an electronic MTPL policy is completely standard.

It includes the following main steps:

Indicators	Description
Choosing an insurance company	whose presented MTPL programs seem most suitable
Go to the official website of this company	for example, from Alfa Insurance
Click on the “buy OSAGO” button	—
Next, the cost of the policy itself is calculated.	To do this, you will need to enter the details of the vehicle that will be insured: category and type of vehicle; car make, model; year of manufacture and purpose of use of the vehicle; state number, vehicle identifier
The full number of drivers who will be allowed to drive the vehicle in the future is indicated.	last name, first name and patronymic; date of birth and driver's license series/number; date of issue of the certificate
A check mark is placed	opposite “I agree to the processing of personal data”
Provide the policyholder's details	as well as car owner details
When all fields are filled in, you will need to calculate E-OSAGO	—

The final cost of such a service will be indicated on the screen. If the client is completely satisfied with this price, then he can proceed with payment.

The optimal solution is to make such payment using a bank card. Thus, the process of transferring the insurance premium will proceed as quickly as possible, with minimal time wasted.

Possible difficulties

Some time ago, the process of obtaining electronic compulsory motor liability insurance was available, but not for all users for a number of reasons.

During the reforms, insurance companies artificially reduced the number of MTPL products sold.

The main goal is to reduce the cost of paying insurance premiums. Since the maximum amount of the MTPL payment has changed from 100 thousand rubles to several hundred thousand.

This was the main reason why the Central Bank of the Russian Federation issued a decree - on the basis of which all insurance companies without exception are obliged to provide the opportunity to buy eOSAGO to their clients.

If a potential buyer has difficulties with registration, he should contact the Central Bank of the Russian Federation.

Another possible difficulty is the likelihood of problems with the traffic police officer when checking the policy. If the inspector is going to draw up a protocol, you should not sign it.

Video: electronic insurance policy

Important nuances

As with conventional policies, when making payments online, there is a high probability of errors occurring.

That is why, before making a payment, you should make sure that the site through which the eOSAGO is issued is genuine.

Today there are a large number of subtleties and features associated with the design of such products.

The main ones include:

The reimbursement process itself remains the same in this case. If an insured event occurs, you will need to prepare a standard set of papers.

After which they are reviewed, the company makes a decision on payment.

What is regulated

The main regulatory document that determines the issue of registration of compulsory motor liability insurance is the Federal Law.

It is within this framework that the MTPL and electronic MTPL insurance contracts are concluded. The client should carefully read the main sections of this NAP.

This will allow you to avoid many problems, difficulties, and also protect your own rights on your own.

The issue regarding eOSAGO has already been worked out outside of this regulatory document, but compliance with all NAPs is mandatory. It is important to note that the Central Bank of the Russian Federation is responsible for control in this area.

If difficulties or any problems arise, you should contact this institution.

The traffic rules do not indicate in what form the MTPL policy should be stored and presented to traffic police officers. The issue is complicated by the fact that many citizens conclude an insurance contract remotely via the Internet and receive it electronically.

A more detailed explanation of the requirement of clause 2.1.1 of the Traffic Regulations regarding the storage and presentation of the MTPL policy to State Traffic Inspectorate employees can be found on the RSA website www.autoins.ru. It states that the MTPL policy must be stored and presented for verification in paper form.

Therefore, the electronic form will need to be printed on a printer. The finished paper equivalent of the document must reflect clear information from the original, and the information entered must be easily distinguishable.

If the driver is not the owner of the vehicle being used, the electronic car owner's policy is not appropriate. He is also obliged to conclude a separate agreement on compulsory motor liability insurance for the entire period of operation of the vehicle. Otherwise, the traffic police inspector has the right to impose a double fine:

against the car owner for transferring and allowing the vehicle to be driven by a person who does not have a compulsory motor liability insurance policy;
against the driver for absence (failure to submit) an insurance contract.

At the same time, the traffic police will require your license, vehicle registration certificate, and insurance. What it should be is not directly stated. In theory, the policy can be checked on the spot using the RSA database (Russian Union of Auto Insurers) or the official database of the Ministry of Internal Affairs from a phone or tablet, but the inspector may simply not have them.

There is no direct provision in the law that insurance must be printed.

If you are stopped by a traffic police inspector to check your documents, you can only tell him the series and number of your MTPL policy. He, in turn, is obliged to check the existence of the E-MTPL policy in the RSA database using this data.

From a legal point of view, not every vehicle stop can be accompanied by a full documentation check. According to the law, traffic police officers may require you to provide an insurance policy when registering an accident, as well as when drawing up a protocol on the violation. In the traffic rules (clause 2.1.

Before the introduction of electronic policies, each driver was required to carry an OSAGO form certified by the insurer on sheet A4. After presentation, the traffic police officer checked the validity of this document and checked it with the information on the driver’s license.

Now drivers are required to carry a printout of their electronic MTPL policy with them. At the request of the traffic police officer, it will be enough to show it. In the absence of compulsory motor liability insurance or its expiration, the inspector may issue a fine in the amount of 800 rubles (removal of license plates and towing of the car were abolished in 2014).

Considering the issue from a legal point of view, a car can be stopped not only to check insurance, but also to check the availability of a full package of documents. Often the inspector only checks the license and documents for the vehicle.

If previously a car enthusiast presented the inspector with a color copy of the mandatory protection form, now everything is different. The driver will have to show a printed policy in black and white.

All issues related to civil liability insurance are covered in the Law “On Compulsory Motor Liability Insurance”. It contains the obligation to present a compulsory insurance policy in three cases:

in case of an accident;
violation of traffic rules;
at the time the vehicle is deregistered.

It will be enough to show the inspector only the contract and rights. PTS is not needed. In theory, you can forge a contract and constantly show it to the police. However, it is better not to take such risks, since this is equivalent to forgery of documents and may result in criminal penalties.

But not everyone knows that doing this is not at all necessary.

We found out how long you can drive under a purchase and sale agreement. But what happens if a traffic police inspector stops a driver who has not met the legal deadline for processing documents?

If you have insurance, but the registration deadlines are violated, then the fine will be 1,500 - 2,000 rubles, and if in addition there is no insurance, you will have to pay an additional 500 rubles.

In this case, the car will not be taken to the impound lot, just as license plates will not be removed.

Despite the small penalties for lack of insurance, the driver should still take care of purchasing a compulsory motor liability insurance policy in order to protect his money. Driving without insurance, only under a contract, is theoretically possible, and the fines for this will be small.

Indeed, in the event of an accident, he will be obliged to compensate the damage to the other party (which often exceeds several hundred thousand) from his own pocket.

Thus, we answered the question of how long you can drive without insurance under a sales contract in 2018.

After payment, the insurer enters the information into the unified AIS RSA database and sends the policy to the email address specified in the application.

The form is printed, and if desired, it can even be certified by a seal at the Investigative Committee office. The procedure takes no more than an hour.

Insurers do not openly criticize the central bank, but imply that it is too many years ahead of the curve. They believe that it will be inconvenient for the car owner to purchase an electronic version of the policy.

Experts believe that insurance companies do not want such an introduction of electronic insurance, since with state-controlled tariffs they will not be able to include losses due to fraud.

Electronic policies began to be issued in the summer of 2015, but so far their issuance is only the right of the insurer, and not an obligation. Currently, policies are issued by not many insurance companies that have the appropriate license.

After the electronic type of compulsory liability insurance was introduced, the work scheme of traffic police inspectors began to differ. Why and how? Let's figure it out.

The electronic form of a motor vehicle license involves storing the driver’s data in the RSA electronic databases. A paper policy is only possible if you print it out and leave it in the car.

According to federal laws, the driver must inform the policyholder in writing about all changes to the information included in the policy, however, in practice, failure to comply with this point can avoid punishment, since there is no officially established deadline within which all changes must be reported.

The laws also do not say that changes in a policy issued over the Internet lead to refusal of payments or termination of the contract. To invalidate an insurance policy, the insurance company may rely on incorrect information.

Many car owners are interested in the question: how to add another driver to the electronic policy document. In this case, such possibilities depend on the conditions of the insurance company.

Many insurers provide their clients with the opportunity to correct data online via the Internet. However, the insurance company often requires you to appear in person at the office to make changes.

How to apply for an electronic MTPL policy

First, you need to register on the insurer’s website and submit an application to receive a policy. After specifying the data and checking it, you will receive an SMS message on your phone containing a special code to access your personal account.

The process of applying for a policy via the Internet is possible if you have an online mode and enter the necessary information about the insured car. An electronic policy can be obtained after visiting the company’s website; the owner has the right to contact the insurer who served him previously, or order a policy from a new company that has more favorable conditions.

Suppose you have made a choice with an insurance company and are planning to take out a policy.

To do this, you need to follow a number of steps, viz.

Such a policy is called e-OSAGO, and it is issued on the websites of insurance companies. To avoid being a victim of scammers and for other security reasons, it is best to log into business websites from a trusted source. It is optimal to access the websites of companies selling insurance through a single registry published by the website autoins.ru. Drivers sometimes encountered cases where fraudsters created websites similar to insurance companies and sold fake documents through them.

Increasingly, drivers are asking the question: do they need to print out an electronic OSAGO policy? Yes, this is necessary, because sometimes situations arise when police officers require you to show this insurance. Printed insurance is required; it will save you a lot of time and help you avoid a fine. The color doesn't matter, the main thing is its presence. Print your insurance policy in color or black and white.

The benefits of purchasing a compulsory car insurance contract via the Internet have already been appreciated by more than 8 million motorists.

Advantages of E-OSAGO

You can conclude an electronic contract without leaving your home. To do this, there is no need to stand in lines and spend time in traffic jams trying to get to the insurance company's office after work.

Employees of insurance companies cannot impose additional services on you, threatening to refuse to enter into a compulsory car insurance agreement.

To issue an electronic policy, you do not need a form. There is no point in worrying about losing a document or that at this moment the organization's office will unexpectedly run out of insurance forms.

You independently calculate the cost of insurance online and do not worry that someone will try to deceive you and for some reason inflate the cost of the insurance contract.

The electronic MTPL policy is stored on an electronic mailbox and if the paper document is lost, you can print it again.

If you look at these advantages, you can conclude that applying for online insurance via the Internet is fast, convenient, practical and will not require much time from the motorist.

How to check E-OSAGO

Checking electronic compulsory motor liability insurance online is not at all difficult and will not take you much time. Each policy, after concluding an agreement with the insurer, is entered into the database of the Russian Union of Auto Insurers (RUA).

And to find the necessary information in this database, just enter the series and document number. This applies both to insurance policies issued online and to documents issued at the representative offices of insurance companies.

The whole procedure consists of a few simple steps:

go to the official website of RSA or the page for checking policies on our website;
go to the section called - check the MTPL policy;
select by clicking the select series button and from the drop-down list, all electronic forms issued on the Internet have the XXX series;
enter your MTPL number in the field below;
check the box for checking automatic requests;
Click on the “Search” button.

After which, after a few seconds, the search system will show the result. If an insurance policy is found, you will be able to see the following information on the screen:

name of the insurance company;
date of execution of the contract;
start date of the insurance policy;
insurance expiration date.

If the system does not find information about the specified insurance policy, it means that the document you are looking for is invalid or forged by fraudsters.

How to print E-OSAGO

After completing the MTPL agreement on the Internet, you will receive an e-mail with an attached pdf file of electronic insurance.

The policy contains the same columns as the document issued by insurers in the office, but unlike the latter, the electronic MTPL is pink. The series of all insurance policies that are issued via the Internet is XXX; if the insurance document is issued in the office, its series will be CCC or EEE. There are no security elements on the electronic document.

You can print the electronic MTPL form on any black and white printer. The law allows the policy to be printed in any form, so the driver will not need to look for special equipment for color printing.

What do you need to present to the traffic police officer during the inspection?

After issuing an MTPL policy online, the insurance company sends the document as a pdf file to the motorist’s email address.

Information that the motorist has insured motor third party liability as required by law is recorded in the RSA information system online. This means that immediately after paying for the electronic policy and receiving a letter with the document form by e-mail, you can safely get behind the wheel. Don't forget to print the form on a printer.

How traffic police officers check electronic compulsory motor liability insurance

When checking documents on the road, the police inspector must make sure that the driver has a valid MTPL insurance policy. To do this, the police officer checks information about the insurance document in the IMTS database of the Ministry of Internal Affairs.

To check the authenticity of the policy, the traffic police officer enters information about the license plate number and VIN code of the car.

If the Ministry of Internal Affairs database does not work for some reason, the police officer can use a working tablet and check the authenticity of the electronic document on the official website of the RSA.

Due to poor technical equipment of traffic police vehicles, and communication interruptions that occur on highways located far from large cities. In most cases, the police do not resort to establishing the authenticity of the presented document.

At the same time, the traffic rules contain requirements for the mandatory presentation of an insurance contract upon request of a police officer. For failure to comply with this clause, a fine of 800 rubles is provided. Having a printed version of the MTPL policy will greatly simplify communication with the traffic police inspector and save the driver time and money.

Electronic means convenient

Last year, there was news that the owner of electronic insurance was fined for not having a policy. Either the inspector did not know about the existence of such a miracle, or he deliberately forgot about it - history is silent. The main thing for us is not to get caught, so to speak.

Buying insurance online is very convenient - you don’t have to go anywhere or stand in lines. An excellent alternative for a busy person is to make an MTPL policy electronically. Will it be valid, is such savings worth lengthy proceedings with the traffic police? Since the beginning of 2017, almost all insurance companies have offered remote registration of an electronic version of an insurance product. In addition, it will be cheaper than the regular version, and the agent will not offer additional options (for additional money).

The electronic version of OSAGO confirms that you have insured your car within the limits of the law. It has exactly the same functions as the paper version - in the event of an accident, you will receive compensation in the same way if you are not at fault, and the culprit of the accident, if he did not neglect insurance, will not fork out a large amount. At the same time, the main convenience of modern insurance is that its form cannot be lost. If you have an accident due to your fault, and you did not have a paper copy, your insurance will not be lost.

What should a driver with electronic compulsory motor liability insurance have with him?

When applying for this insurance, the company will send the following documents to the policyholder’s e-mail:

the e-OSAGO policy itself;
a copy of the payment receipt, which can also be printed;
instructions for clients; general information about your company and a list of its representative offices in the Russian Federation;
a link where you can check your legal right to use an electronic policy. Of course, your MTPL policy will remain on your carrier, which has the same validity as a paper one, but representatives of the traffic police and police officers require you to present electronic insurance in printed form.

As soon as you have complied with civil liability standards and insured your car, information about this is immediately sent to RSA. This means that when you receive the MTPL policy by email, you can immediately drive the vehicle, if, of course, your other documents are also in order.

But since the technical capabilities of many traffic police patrol officers are very limited, especially outside the city, it is highly advisable to carry printed electronic insurance with you. Inspectors are used to dealing with paper policies, so they are still skeptical about printed ones. So far, traffic police inspectors are just getting used to this type of document confirming that you have the required insurance policy.

Many car owners are interested in the question: how to add another driver to the electronic policy document. In this case, such possibilities depend on the conditions of the insurance company.

Many insurers provide their clients with the opportunity to correct data online via the Internet. However, the insurance company often requires you to appear in person at the office to make changes.

According to federal laws, the driver must inform the policyholder in writing about all changes to the information included in the policy, however, in practice, failure to comply with this point can avoid punishment, since there is no officially established deadline within which all changes must be reported. The laws also do not say that changes in a policy issued over the Internet lead to refusal of payments or termination of the contract. To invalidate an insurance policy, the insurance company may rely on incorrect information.

The exception is cases when, due to changes in information, the risk of an insured event changes. In such a situation, the insurance company may refuse to pay, because the amount that must be paid under new circumstances is sometimes very different from what was specified in the contract before the data changed.

Many car owners are interested in the question: how to add another driver to the electronic policy document. In this case, such possibilities depend on the conditions of the insurance company. Many insurers provide their clients with the opportunity to correct data online via the Internet. However, the insurance company often requires you to appear in person at the office to make changes.

The latter method automatically makes the electronic policy a paper one, since after these adjustments the company employee will issue the driver with a regular paper insurance policy. This procedure is performed without payment in many respects. The exception is when another driver is included in the policy. The cost of such changes to an electronic document depends on driving experience, age and duration of driving without accidents.

Changes to the electronic policy are permitted only based on certain data. If you need to change other parameters, you will have to terminate the current contract and enter into a new one. For example, you will have to cancel the insurance contract for the following reasons:

The policyholder changes.
You need to insure another car.
The validity period of the document changes.

But, if only the owner of the car changes, this should not serve as a reason for taking out new insurance.

Adding a driver

Let's take a closer look at how to add a new driver to the electronic document of the MTPL policy. In this case, you need to prepare the usual set of documents to make the necessary changes, as well as a driver’s license, the passport of the new driver, which will be additionally added to the policy.

Before adding a driver to the policy, it is necessary to correctly calculate the insurance premium. This amount will depend on different coefficients:

The validity period for the new driver, during which the new driver was not involved in any traffic accidents due to his fault.
Driver's length and age.

The driver's experience and age are limited by certain parameters, from which it becomes clear that the most expensive entry would be to add a driver with more than 22 years of experience and more than three years of driving experience. By law, all further payments and the full amount of the insurance premium will be calculated only based on basic information about the youngest driver.

Is it worth printing?

At the same time, the traffic police will require your license, vehicle registration certificate, and insurance. What it should be is not directly stated. In theory, the policy can be checked on the spot using the RSA database (Russian Union of Auto Insurers) or the official database of the Ministry of Internal Affairs from a phone or tablet, but the inspector may simply not have them.

In addition, inspectors have “instructions for use” of such documents, which describe how to check the policy against the database. But you may come across a principled employee of the authorities who will demand a paper version from you. Of course, you can refer to the law and subsequently prove that you are right, but you will lose precious time and nerves - and the electronic policy is designed to save them.

But even if you have an electronic version of OSAGO, it’s better to print it out and take it with you, just in case you come across an out-of-date traffic cop. How to print an electronic MTPL policy by number? This can be done even on a home printer. But remember, this paper in itself is not a policy. This is simple proof that you have insurance, nothing more. It is better to print in black and white rather than color, so the information will be more visual.

And the best option would be if you do not print the document yourself, but contact the company where you took out the insurance - printing and signing on paper will make your electronic insurance more significant. Such a paper can be equated to a “real” document, so beloved by traffic police officers.

A simple printout of the policy, without stamps or signatures, also confirms that your car has insurance coverage. All the information necessary for verification is indicated here - series and number, that’s enough. By the way, you can even check whether your car is insured using the vehicle registration number and VIN code! Therefore, purely technically, a printout is not needed, but it is still better to do it - nerves and time are more expensive.

What to do when the electronic MTPL policy is not accepted by a traffic police officer

The Main Directorate for Road Safety of the Ministry of Internal Affairs of Russia prepared a special explanatory letter dated July 3, 2015 No. 13/12-u-4440, which details the procedure for checking electronic OSAGO insurance policies of motorists by traffic police officers. All traffic police inspectors are required to familiarize themselves with this letter.

To check electronic MTPL insurance, a special resource was created at the IMTS of the Ministry of Internal Affairs of Russia. Integrated multiservice telecommunication systems (IMTS) are included in the unified information and telecommunication system of internal affairs bodies, which provides police officers with access to automated public databases.

How will a traffic police inspector conduct an inspection in practice?

The police inspector will enter the special IMTS resource of the Ministry of Internal Affairs and enter the state registration number of the car, as well as its VIN code. The system will show the MTPL insurance policy issued for a car with the specified numbers.

The police officer only needs to check the details of the driver's license, car registration certificate or registration certificate with the insurance data. The check is carried out similarly on the RSA website.

Unfortunately, not all traffic police vehicles are well equipped enough to use the special resource information system IMTS of the Ministry of Internal Affairs of Russia or the official website of the RSA on any section of the road.

Also, traffic police officers do not have special scanners that allow them to provide insurance information on a driver’s license. Therefore, it is better for motorists to print out the policy and keep it in the car.

When a police inspector stops a car to check documents, in accordance with clause 2.1 of the traffic rules, the motorist must have with him and present upon first request:

driver license;
car registration certificate or vehicle registration certificate;
OSAGO policy.

The traffic police inspector, who was given a printed insurance policy for verification, can verify the authenticity of the document. To do this, he needs to use one of the information systems available to him to check the data of the printed policy and the motor vehicle database.

How to print an electronic MTPL policy?

You can print electronic motor insurance on a sheet of A4 paper using a regular printer. To do this, the motorist needs to log into the policyholder’s personal account on the website of the insurer that issued the auto insurance policy. The driver can make an unlimited number of copies. This is very convenient if the document is lost or its appearance is damaged.

The electronic version of OSAGO, like a paper copy of the contract, insures the driver’s liability to third parties, and in the event of an insured event (road accident), it is the injured party who receives compensation from the insurance company. And since e-OSAGO has the same legal force as a regular one, it should be used as well (read about the pros and cons of using an electronic MTPL policy here).

When registering e-OSAGO, the same discounts on the CBM are used as when concluding a contract in person, since all insurance companies, according to the law, must save the history of all clients in a single RSA database (what is the role of RSA when registering e-OSAGO?).

After completing and paying for the document, it is recommended to print a copy of it and use it as confirmation of the presence of insurance when registering an accident, however, if a printed copy is not at hand, you can go to your personal account on the insurance company’s website and find out all the necessary data there.

REFERENCE! In the event of a traffic accident, as in a situation with a regular policy, the participants in the accident must call the traffic police to register the accident and fill out all the necessary documents, after which the injured party should contact the insurer to receive compensation.

Participants in an accident can, as before, with minor damage, record the incident using the Europrotocol, but you should be careful if the guilty party has an electronic policy - you can check its authenticity through a single RSA database or, for peace of mind, contact traffic police inspectors.

It is worth remembering that only experienced drivers who have entered into car insurance contracts at least once can apply for an electronic version, since the data for filling out the document is taken from the RCA database.

Novice drivers who have recently received a license or bought a new car will have to apply for compulsory motor liability insurance “the old fashioned way” - by personally contacting the insurer’s office.

Car owners who want to terminate the contract, make changes to the policy, or add/remove a driver from the list of people allowed to drive a car will also have to contact the insurance company branch. In the future, this option will also be available online.

According to the traffic rules, traffic police officers can request a compulsory motor liability insurance policy when checking documents. In the absence of an agreement, the driver faces penalties of up to 800 rubles. The question arises, what to do with the electronic policy and what to present to the traffic police inspector?

When checking an electronic document, traffic police officers use the unified RSA database or the service database of the Ministry of Internal Affairs, searching for the desired contract by insurance policy number or individual identification number (VIN) of the vehicle (how to check e-MTPL for authenticity?).

Therefore, you can present both an electronic version of the document stored on the driver’s mobile device or other digital media, and a printed copy of the document.

ATTENTION! To avoid possible problems associated with checking the electronic version of the policy, car owners are recommended to print a copy of the contract and store it in the car along with other documents.

Read more about what and how to show the traffic police officer if you have e-MTPL here.

To do this, they need information about the registration plate and the VIN of the car. If it is not possible to find this resource using a network connection, the inspector can find out about the legality of the electronic OSAGO policy by contacting the RSA website.

That is why employees check the legality and legality of this electronic document only through special government services, where they will find all the necessary information on your insurance. As a backup check, they can check your insurance policy using the PCA website.

If the policy initially exists in the form of a computer file, is it possible to show it in this form? In general, it is possible, but risks cannot be ruled out. Gadgets are unreliable. Imagine this:

The charger died on the way;
the phone is broken or lost;
someone accidentally deleted a file from memory;
The gadget malfunctioned at the wrong moment - when it was time to check.

In such a situation, how can I present an electronic MTPL? No way. The inspector will decide that you do not have it, with all the ensuing consequences. Therefore, it is not recommended to neglect a paper copy. But if necessary, you can also show the file on the screen. This is not considered a violation.

The further you are from the capital, the more likely such a conflict on the road is. Most often, law enforcement officers refer to the fact that a printout is just a piece of paper. And it can be easily faked. They are right only at first glance.

After all, establishing the nature of the insurance is not much more difficult. You just need to check whether the contract for the car has been concluded under these numbers. Therefore, the truth is on the driver's side.

How to present an electronic MTPL policy to a traffic police inspector is written in paragraph 7 of Federal Law No. 40-FZ. It should be referred to in the event of a dispute.

To be more convincing, one can cite paragraph 1 of Article 32 of the same law. It states that the driver is required to have either the form itself or printed information that he has entered into an agreement.

Until the beginning of this year, concluding an insurance contract in electronic form through the official website of the insurer was his right.

In accordance with the innovations, each insurance company is obliged to provide the possibility of providing insurance through an online communication system.

Is it necessary to print

When providing insurance via the Internet, an insurance contract is concluded between the interested parties.

He must print it out on a standard sheet of A-4 size writing paper for its intended use.

Payment of insurance compensation is carried out if the participants in the accident have a compulsory motor liability insurance policy. The same applies to the registration of vehicles by the traffic police.

Do I need to take it with me?

Many car owners are interested in whether the electronic OSAGO policy is valid and what to show to the traffic police from January 1, 2018?

How to get an electronic policy

There are two ways to receive OSAGO electronically. The first will require independent effort from you. Choose the company from which you would like to purchase insurance - buy an OSAGO VSK policy, Alfastrakhovanie, Reso Garantiya, Yuzhural-Asko, Max, OSAGO Ingosstrakh - all these insurers offer services online. For the traffic police, it makes no difference where you buy the policy, the only differences are in the insurance conditions and cost.

After choosing a company, you issue a policy, pay for it, and receive a file with a PDF extension to your email. This is what you need to print out in order to eliminate the doubts of the traffic cops. Here you will have to work a little to adjust the document size to A4 sheet, but it is not difficult. Bring the printed sheet along with your passport to the insurer’s office, they will give you a stamp and signature, and the document will be ready.

The second method is that you also choose an insurance company, draw up and pay for the policy, but after that you call or write to them with a request to send you a certified document. Typically, insurance companies will accommodate you, prepare the paper, and then instruct you where you can pick up the completed insurance.

General concepts

The MTPL policy is a special document that serves as the basis for receiving insurance payment.

It is important to note that the accrual process itself has a large number of different important subtleties.

But first of all, you should familiarize yourself with the procedure for obtaining a policy. Because despite the fact that the process itself is quite standardized, there are nuances.

The receipt itself can be implemented as follows:

Through the Internet.
Independently through the company's office.

Both methods have their advantages and disadvantages. Relatively recently, a large number of different companies provided services for issuing compulsory motor liability insurance policies via the Internet.

But recently, such a service became not optional, but mandatory for all insurance companies without exception.

This has led to the fact that the cost of compulsory motor liability insurance policies has become slightly higher than it has always been before.

Since previously insurance companies were able to manipulate the cost to obtain significant benefits.

The amount of the insurance premium currently differs depending on a number of different factors. Every year the number of issued MTPL policies is growing.

But in electronic form or in printed form - it is not specified. This is precisely the rub.

The solution to the problem is to print out the policy issued via the Internet. But often the traffic police officer simply does not have the ability to check via the Internet.

If the traffic police officer does not agree to accept the printed compulsory motor liability insurance policy, you must contact a higher-ranking authority.

What are the differences from the original

The OSAGO policy itself in electronic form has certain differences from the usual one. But these are minimal.

At the moment, the electronic insurance policy includes the following main sections:

Company name;
individual serial number;
duration of the policy;
individual data of the policyholder;
personal data of the owner of the vehicle;
data of the car itself (make, model of the car, series and PTS number);
the purpose of using the car is indicated;
a complete list of citizens allowed to drive a car is indicated;
the insurance premium is calculated;
date of conclusion of the insurance contract;
date of issue of the policy itself.

The format of this type of policy is completely standard. But it’s quite easy to fake such a printout.

That is why many traffic police officers are suspicious of these policies. In addition, it is not always possible to verify the authenticity.

This can be done using your individual policy number via the website:

SAR databases.
Official, insurance company.

What is the procedure

The process of purchasing an electronic MTPL policy is completely standard.

Indicators	Description
Choosing an insurance company	whose presented MTPL programs seem most suitable
Go to the official website of this company	for example, from Alfa Insurance
Click on the “buy OSAGO” button	-
Next, the cost of the policy itself is calculated.	To do this, you will need to enter the details of the vehicle that will be insured: category and type of vehicle; car make, model; year of manufacture and purpose of use of the vehicle; state number, vehicle identifier
The full number of drivers who will be allowed to drive the vehicle in the future is indicated.	last name, first name and patronymic; date of birth and driver's license series/number; date of issue of the certificate
A check mark is placed	opposite “I agree to the processing of personal data”
Provide the policyholder's details	as well as car owner details
When all fields are filled in, you will need to calculate E-OSAGO	-

The final cost of such a service will be indicated on the screen. If the client is completely satisfied with this price, then he can proceed with payment.

The optimal solution is to make such payment using a bank card. Thus, the process of transferring the insurance premium will proceed as quickly as possible, with minimal time wasted.

Possible difficulties

Some time ago, the process of obtaining electronic compulsory motor liability insurance was available, but not for all users for a number of reasons.

During the reforms, insurance companies artificially reduced the number of MTPL products sold.

The main goal is to reduce the cost of paying insurance premiums. Since the maximum amount of the MTPL payment has changed from 100 thousand rubles to several hundred thousand.

This was the main reason why the Central Bank of the Russian Federation issued a decree - on the basis of which all insurance companies, without exception, are obliged to provide the opportunity to buy eOSAGO to their clients.

If a potential buyer has difficulties with registration, he should contact the Central Bank of the Russian Federation.

Another possible difficulty is the likelihood of problems with the traffic police officer when checking the policy. If the inspector is going to draw up a protocol, you should not sign it.

Before the introduction of special legislative documents, traffic police officers often had questions about insurance.

Since not all inspectors were aware of the possibility of presenting an electronic OSAGO policy in printed form.

Failure to comply with traffic rules often causes accidents. Accordingly, a special protocol is drawn up.

What it is

The OSAGO policy itself in electronic form is a special format form - it includes information about the drivers admitted to the board, as well as about the car. Its format is determined by law.

That is why you should not neglect purchasing this type of policy. This will allow you to avoid many difficulties and difficult moments.

And also unnecessary expenses - in the event of an accident or if the car is stopped by a traffic police inspector.

It is worth noting that another important advantage of a policy issued electronically is precisely its authenticity. It often happens that an MTPL policy is counterfeited and sold as a real one.

In such a situation, it will simply be impossible to compensate for the damage at the expense of the insurance company.

The likelihood of fraud in this case will be minimal. Therefore, problems with compensation simply will not arise.

Previously, insurance companies, for various reasons, were unwilling to properly carry out the registration process online. But recently this process has been established by law.

Who falls under the category

Insuring a car with an MTPL policy is mandatory not only for individuals, but also for legal entities.

Moreover, almost all insurance companies, without exception, simultaneously work in these areas.

In accordance with this regulatory document, all legal entities without exception are required to insure cars.

Many insurance companies offer large discounts on insurance premiums, depending on the number of cars available.

Insurance for legal entities is usually carried out on an individual basis - a separate contract is required for each car.

Where to go

Until recently, only a limited number of insurance companies were issuing MTPL policies via the Internet, using their own websites.

It is only important before purchasing a policy to make sure that a particular insurance company has a license from the Central Bank of the Russian Federation to carry out the relevant activities.

This will allow you to avoid many difficulties and problematic issues.

For 2018, a fairly large number of companies offer to issue an MTPL policy.

In this case, the likelihood of bankruptcy and liquidation during the insurance period will be minimal. Since such a rating compiled by a special agency is long-term.

Otherwise, if you purchase a compulsory motor liability insurance policy from an insurance company that has a lower rating, there is a high probability of difficulties in obtaining compensation.

The optimal solution is to contact the most serious enterprises that have been operating in the insurance market for a long time.

This will allow you to avoid many difficulties and problematic issues already at the stage of receiving insurance payment. You need to familiarize yourself with all the nuances in advance.

In the absence of previously received payments, it will be possible to avoid many difficulties and problematic issues. This way you can save quite a significant amount of money.

If you are caught without a policy

Let’s say you didn’t heed the advice and didn’t print the form, much less certify it. And really, why, because you have an electronic version. But then you come across a traffic cop who flatly refuses to “punch” you through the base. There can be a lot of reasons, from simple reluctance to do this or inability, to a banal lack of communication, that is, the physical ability to check the policy number.

To appeal the fine, go to court, prove that you have an electronic version of the MTPL and that you are not required to have a printout with you. The fine will be canceled, but you will spend much more time than printing one sheet.

While, unfortunately, there is no legal norm regulating the actions of a traffic police officer in relation to an electronic policy, we can say that this lies on his conscience. When the law comes into effect that every inspector is required to check the policy against the database, life will become a little easier.

Important nuances

As with conventional policies, when making payments online, there is a high probability of errors occurring.

That is why, before making a payment, you should make sure that the site through which the eOSAGO is issued is genuine.

Today there are a large number of subtleties and features associated with the design of such products.

The reimbursement process itself remains the same in this case. If an insured event occurs, you will need to prepare a standard set of papers.

After which they are reviewed, the company makes a decision on payment.

To avoid problems with electronic compulsory motor liability insurance, it is recommended to carefully select an insurer. You can rely on the following criteria:

do not buy policies at dubious prices. OSAGO is regulated at the federal level; companies themselves cannot lower prices or offer large discounts. If a company promises insurance 2 times lower than everyone else, most likely it is using fake forms. Under such a policy, damage after an accident will not be compensated;
read online reviews from other customers. There are independent agencies that provide ratings to insurers. In addition to them, many review sites are available to citizens. It is recommended to take into account the stability of payments, the percentage of refusals for insured events, the number of representative offices in Russia and the reliability rating;
check the information in the policy. If a citizen makes a mistake, the insurance will not be valid. When OSAGO arrives in the mail, you need to immediately check the information with the documents.

So far, not all traffic police officers can quickly check electronic compulsory motor insurance, but the government promises to quickly change the situation for the better.

It is important to immediately check the correctness of the data so that the OSAGO is valid and has legal force.

In essence, civil liability is a measure of coercion imposed by the state. It is provided for by the current legislation and is therefore mandatory.

The measure is used to restore the rights of the injured person violated as a result of a road accident.

The MTPL insurance contract is concluded in accordance with the rules established by the Central Bank of Russia.

They are set out in the regulatory act “On the rules of compulsory civil liability insurance of vehicle owners,” published on September 19, 2014 under number 431-P.

It has been repeatedly amended to improve the institution of motor vehicle insurance.

He is evacuated to the impound lot, where he is kept until the owner presents the document.

Possible insurance risks are provided for by the terms of the insurance contract.

It is understood as an event, the occurrence of which entails the fulfillment by the insurer of certain obligations due to the action or inaction of the insured.

He is obliged to pay the injured party a certain amount of insurance. If the car owner does not purchase an MTPL policy, then compensation for the damage caused will fall entirely on his shoulders.

Why carry a paper version with you?

According to Russian law, every vehicle must be insured. Confirmation of insurance of a car (or other vehicle for which insurance is issued) is a compulsory motor liability insurance policy, that is, the driver must present it to the inspector upon request. If the policy is issued on the Internet, then it exists in electronic form. Accordingly, you need to print it out and take it with you.

If a traffic accident occurs and the driver does not have an insurance policy with him, this does not mean that this situation will not be considered as an insured event. The contract is valid regardless of whether the citizen carries an MTPL policy with him or not.

In the event of an accident, if the driver does not have a policy (forgot it at home, damaged it, lost it, etc.), traffic police officers can check its availability through the unified database of the Russian Union of Auto Insurers (RSA).

Also, an inspector from the State Traffic Inspectorate can check the availability of an electronic policy if the driver has not printed it, but this will take time. Therefore, if you sign up for an e-MTPL policy on the Internet, it is best to print out a copy of the insurance and take it with you, in order to avoid controversial issues and unpleasant situations (in terms of checking through the database (DCA)).

Important! By law, it is not necessary to print out an electronic version of the insurance, but you must have it with you. For the absence of a policy, a fine in the amount of 800 rubles is expected to be imposed. Such a decision can be appealed in court in accordance with the established procedure. But the best option is to simply print this document and take it with you.

According to the law, if you have printed out the OSAGO policy in electronic form (e-OSAGO), then it is not an official document. Such paper only confirms the fact that you purchased insurance via the Internet, and you have auto liability insurance. If desired, the driver can come to the office of the insurance company and certify the printed policy with the signature and seal of the insurance company, but this is not necessary.

As mentioned earlier, for lack of insurance, the State Traffic Inspectorate inspector has every right to issue you a fine in the amount established by law (for 2018 it is 800 rubles). Therefore, you must have the policy with you, no matter whether it was received at the office of the insurer or through your personal account on the insurance company’s website.

The electronic version of the policy (e-OSAGO) has the same legal force as a regular insurance policy, so you can travel with such a document without fear of getting a penalty from an inspector.

Issuing electronic policies is now available to every car owner who has at least once entered into a car insurance contract and whose data is available in the database of the Russian Union of Auto Insurers (RUA), therefore driving a vehicle with an electronic version is as legal as if you have a paper copy.

After concluding an MTPL agreement via the Internet, a file with a version of the document in PDF format is sent to the email address specified when registering on the insurer’s official website. For convenience, the file can be copied to any digital medium, but it is recommended to print the document. A printed copy of the contract should be attached to the rest of the documents for the car - this will help avoid misunderstandings that may arise when checking documents by traffic police officers.

We invite you to learn more about what e-OSAGO is and whether you need to print it out in this article.

Many vehicle owners are interested in this issue, which is especially relevant now, since according to statistics, 25% of drivers throughout the Russian Federation have purchased e-MTPL. If we take into account the law, then there is no specific indication of the fact that the document should be printed, but the question arises - do you need to carry it with you (electronic version)? If you don’t have the policy with you, the inspector may issue a fine of 800 rubles under Part 2 of Art. 12.37 Code of Administrative Offenses of the Russian Federation.

There are also job descriptions, according to which inspectors are instructed in matters of checking an electronic policy without having its form in the database.

An online policy printed on a printer or other device is not a policy as such. But this document confirms that you have insurance. To ensure that traffic police officers do not have questions about the authenticity of the document, you need to come to the office of the insurance company and certify the printed form with the seal of the organization and the signature of the employee. In this case, it will be equal to the real OSAGO form.

Many vehicle owners, despite the legal provisions, have a question: is it necessary to carry a printout of the electronic OSAGO policy. According to the law, yes it is necessary. In cases where the driver does not have this policy, the police inspector has the right to issue a fine in the amount of 800 rubles under Part 2 of Art. 12.37 Code of Administrative Offenses of the Russian Federation.

Naturally, in the future it can be challenged through a higher authorized person or in court within 10 days from the date of receipt of the decision. However, this is a waste of time and, possibly, money.

But in practice, it is not uncommon that a traffic police officer is satisfied with the insurance opened through the policyholder’s personal account on a device with Internet access. It all depends on the inspector; someone can check its availability in the database without presenting the form, while another will begin to challenge the printed policy and the purchased online electronic insurance.

If a driver has a question about whether he needs to have an electronic document form printed on a printer, the answer is unequivocal - yes, he does. If a printout is missing, a traffic police officer may issue a fine of 800 rubles.

Of course, if the driver had an electronic MTPL policy, then the issued fine can be challenged in court or with a higher official within 10 days. But is it worth spending your time on this?

The inspector may be satisfied with the insurance shown to him electronically on the screen of a mobile device or tablet, but the decision to apply penalties in this case will be made by the police officer. In any case, it will be more convenient to give the traffic police officer a printed paper so that he can check the insurance policy against the RSA database.

If you get into an accident due to your own fault, the insurance is valid, even if the motorist does not have paper confirmation in hand.

You can check the availability of MTPL, find its number and all the necessary data in the RSA electronic database in the “Online Services” section.

Taking an insurance contract with you on every trip is a direct responsibility of the driver, which is legally established in the following regulations:

in Art. 32 clause 1 of Federal Law No. 40 “On compulsory insurance of civil liability of vehicle owners.” It says here that the driver is required to carry a paper policy or printed information about concluding an agreement in electronic form and present this document for verification to a traffic inspector or other police officer;
in Art. 2 clause 2.1.1 of the Traffic Regulations of the Russian Federation also states that the driver must have with him and upon request present a compulsory motor liability insurance policy.

Despite the established rules, there are some contradictions regarding the need to present an insurance contract on paper. At the moment, almost every police officer has the opportunity to check a document using an electronic database; all they need is an Internet connection. To do this, just find out your personal information, car number, car VIN number or insurance number.

Is a copy of insurance suitable for the traffic police?

It goes without saying that if compulsory motor liability insurance is issued in the office, in paper form, then making a copy of it and carrying it with you is illogical. This is equivalent to the fact that the driver carries with him a copy of his driver’s license, vehicle registration certificate, etc. Only originals must be submitted for verification. According to Art. 15 clause 7 of Federal Law No. 40, the insurance contract form is a document of strict accountability, so it is important for the inspector to pick up the original document in order to see for himself that it is genuine. A notarized copy will not work here.

However, what to do if the policy was purchased online? The fact is that after concluding an agreement with the policyholder and after paying for his services, the insurer sends his client a policy in PDF format. This document is printed and presented to the police officer. In this case, the document can be provided in black and white.

The car owner has 10 calendar days to appeal the decision (in accordance with Article 30.3 of the Code of Administrative Offenses of the Russian Federation). The period is counted from the day of delivery of the relevant notice.

It is necessary to appeal the illegal actions of the inspector through the court. The justification must include the fact that the traffic police officer neglected his duty to check the availability of insurance through the database. As a result, he drew conclusions that were inconsistent with the actual circumstances. Once convinced that there is no corpus delicti, the court will cancel the fine.

Insurers advise printing out an electronic policy on paper, having it certified by the insurer with a seal, and carrying such a document in the car. In general, there is no difference between this copy and the downloaded electronic policy; the information in it and its number are the same. However, in the event of a traffic accident, the driver is not always able to turn on the phone and show the insurance policy. The phone may become unusable, and the traffic police officer will need to find out information about the driver’s insurance.

Without a document number, it is almost impossible to check the policy. Theoretically, there is no need to carry a paper copy with you, as it can be faked. Back in 2015, the Government made a proposal to cancel the OSAGO policy in the printout, but until now the corresponding clause in the traffic rules has remained the same.

What is regulated

The main regulatory document that determines the issue of registration of compulsory motor liability insurance is Federal Law No. 40-FZ of April 25, 2002 “On compulsory civil liability insurance.”

It is within this framework that the MTPL and electronic MTPL insurance contracts are concluded. The client should carefully read the main sections of this NAP.

This will allow you to avoid many problems, difficulties, and also protect your own rights on your own.

The issue regarding eOSAGO has already been worked out outside of this regulatory document, but compliance with all NAPs is mandatory. It is important to note that the Central Bank of the Russian Federation is responsible for control in this area.

If difficulties or any problems arise, you should contact this institution.

If the client believes that his rights have been violated in any way, this issue can be resolved through the court. You need to contact the location of the company’s office or the location of the accident.

The process of applying for an MTPL policy remains standard; implementing it via the Internet will not be difficult. At the same time, it is worth remembering the subtleties and nuances indicated above.

It is registration via the Internet that will allow you to avoid many difficulties, delays, wasting time in queues - as when applying for a regular compulsory motor liability insurance.

It is a fundamental legislative act that regulates the legal relations of citizens arising in connection with the operation of vehicles.

The instructions of the act define the civil liability of drivers and provide for measures to ensure the protection of the property interests of persons involved in road accidents.

Another important act is the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners.” The act was issued on April 25, 2003 under the number 40-FZ.

In addition to the above acts, private issues are provided for in the acts listed below.

His instructions emphasize that the insured event is taken into account only during the period of validity of the contract.

The insurance risk is determined based on the expected event, which serves as the basis for concluding an insurance contract.

In conclusion, it must be emphasized that high competition has developed in the insurance services market.

In order to attract potential clients, insurance companies strive to raise the level of service, so they have created official websites on the Internet.

Its users can apply for a MTPL policy in a matter of minutes and receive it within a short period of time.

How to print e-OSAGO correctly and legally?

There are two legal options for printing an electronic version of an MTPL insurance policy, which we will consider in detail.

On one's own

If you have a printer or plotter at home (at work) that prints documents, you can carry out the printing procedure yourself. The procedure will be as follows:

Register on the insurance company's website and apply for an electronic version of insurance (e-OSAGO). A list of insurance companies can be found on the official website of the Russian Union of Auto Insurers (www.autoins.ru).
After entering all the necessary data for registration, pay for the insurance and receive an electronic version to your email inbox. The form will be sent to you in PDF format.
Open the document and fit it to the paper size (A4).
Turn on the printer and press CTRL P on your keyboard. A window will open in which you press the “Print” button.
With a printed policy, you must go to the office of the insurer and ask for it to be officially certified, with the insurer's stamp and signature. To do this, you need to present your passport as a citizen of the Russian Federation.

Through an insurance company

If you do not have a printer or plotter, then the option of printing the policy through the office of the insurance company is suitable for you. This option is more complex than the first, but still more convenient than registering directly at the company’s office. The procedure is as follows:

Register on the website of the insurance company and obtain insurance.
Pay for the policy by bank transfer (card or e-wallet).
After confirming payment, contact the company’s employees by phone or via email (data is available on the company’s website) and ask them to print the policy and send it to you.
Provide the employee with the information he requests (usually passport data and policy order number). After your application is approved, you will receive the policy by mail or you can pick it up at the insurance company branch (check with an employee for information).

Program for this purpose

This program is designed to fill out OSAGO forms. It will be an indispensable assistant for employees and insurance agents of insurance companies who carry out the insurance registration procedure.

This program is called “MTPL Policies version 1.0.9”. It is quite functional and provides the ability to keep records of the calculation of insurance premiums in several areas, store information on policyholders and insurers, and save statistics on issued MTPL policies.

This program has many templates suitable for most forms of filling out forms, typing and printing receipts and statements. In particular, it uses a Microsoft Word template, and also has the ability to create and save your own templates.

An extensive database of libraries (databases) is downloaded on the official website of the developer of this software. It is also possible to work via the network.

Is it possible to make a copy using a printer?

After purchasing e-OSAGO, car owners think about where to print the form and how to do it correctly. As soon as the driver has purchased the Avtograzhdanka, he receives a form in PDF format to the email address he indicated when registering on the site. Moreover, at any time you can go to the company’s personal account and print an electronic document from there, because even a regular printer is suitable for these purposes.

take out a compulsory motor liability insurance policy;
pay for insurance;
receive an electronic version by email;
open the PDF form on your computer;
edit the document if you need it to fit completely on A4 paper;
connect the printer, click “print”;
take printed paper with you;
go to any branch of the insurance company;
provide a passport and E-MTPL;
ask to certify the policy with a seal and signature.

In the notification, ask to send a certified copy. If this option is not available, all that remains is to go to the insurer in person and pick up the MTPL with your passport.

If we consider the issue of printing insurance more deeply, we can focus on some points.

Placing a seal and signature on a printed OSAGO policy is a confirmation of its legal force as a document (the printed version is equal to the original). If you do not have a printed version of the policy with you (you didn’t have time, you are waiting for it to be sent by mail from the insurance company, etc.), and the State Traffic Inspectorate inspector refuses to check its availability through the unified RSA database, then he may issue a fine for lack of insurance.

In this case, proceed as follows: appeal the imposed fine in court within 10 days, having first printed a copy of the policy using one of the methods listed above and presented it during the court hearing. As practice shows, in such cases, the court takes the driver’s side and cancels the issued fine.

Soon (the law is currently under development), traffic police officers will be required to check whether the driver has an electronic MTPL policy if he does not have a printed copy with him. In the meantime, not every State Traffic Inspectorate employee will check the availability of a policy through the RSA database, since it is easier to issue a fine for lack of insurance than to waste time checking the availability of a document.

Whether or not to print an electronic version of the MTPL insurance policy is up to everyone to decide. We hope that this article will help you make the right choice and make the right decision. In our opinion, in order to protect yourself from unforeseen expenses, as well as wasting your time, it is better to print the document using one of the following methods and take it with you.

When filling out an electronic insurance policy, you should be extremely careful and take your time, carefully check the data, as you may not notice a typo, but when printing the electronic policy it will be visible. As a result, the following negative consequences may occur:

termination of the contract at the initiative of the insurance company for providing false information that affects the degree of risk;
fines when checking a document;
recourse claims of the insurer in the event of an insured event.

There are always precedents, since the insurance company may not be included in the register. For this reason, you should apply for compulsory motor liability insurance only from those companies that are on the RSA list.

If we take into account the law, then the presentation of the policy is necessary in the event of administrative liability or an accident. But employees can request compulsory motor liability insurance for safety reasons, guided by traffic rules. Therefore, you should always carry the document with you.

It happens that inspector posts are equipped with Internet access devices. He can come in and check the OSAGO database without presenting a form. Another will start arguing about the printed form. It all depends on the person. Of course, you can argue with the police officer and try to appeal the fine for an unopened policy, but you will have to spend a lot of time.

Use our online calculator to calculate compulsory motor liability insurance online - compare prices from different insurance companies. Save from RUB 1,498 to RUB 3,980 as the base rate may vary by 20%. No need to go to the office - you will receive an insurance policy to your e-mail

Thus, in order to print an electronic MTPL policy, you need to follow the instructions given in the article. It should also be taken into account that the presence of the document in printed form is mandatory, since it is either impossible to verify their authenticity.