Osago is more profitable. Where can I insure a car without life insurance? where is it cheaper to insure a car under compulsory motor insurance? How to terminate an e-OSAG agreement

When purchasing an MTPL insurance policy, people often wonder about saving money; many even choose a car with an eye to the future cost of auto liability.

There are several ways to reduce the premium amount, but in 2019 the cheapest OSAGO car insurance will still be from little-known companies engaged in this type of activity.

At the state level, a number of coefficients have been developed that apply to certain input data about your car and you as the driver.

The main parameter is the engine size and the number of horsepower; among other indicators that can affect the cost of the policy, the following should be noted:

• Driving experience – depends on the driver’s age and the number of years after receiving a driver’s license;
• Driver accident rate – a reduced coefficient is applied if during previous years the driver has not been involved in emergency situations;
• Frequency of receiving fines - being a frequent violator of traffic rules, the driver may receive an increased coefficient when calculating the cost of the policy, which will increase its price;
• Territorial reference - the larger the locality in which the insured person is registered, the higher the cost of the MTPL policy will be;
• Seasonality – will help you insure your car cheaply if you do not plan to use the vehicle all year round. A seasonal insurance policy will cost slightly less; this item is relevant for motorcycles and cars with an open cabin. The minimum insurance period is three months;
• Limitation on the number of drivers - if you plan to drive your car alone or the number of users is not large, you can take out a policy for a limited number of drivers, it will cost an order of magnitude cheaper;
• A policy for vehicle transit issued for a short period of time will cost much more in total days than regular insurance.

How to apply for compulsory motor third party liability insurance cheaply?

The most favorable conditions from insurance companies will be considered for drivers who have a minimum accident rate and have extensive driving experience. According to the class table, such drivers are awarded the 13th class (maximum position), which guarantees the cheapest policy.

In addition, you can buy the cheapest MTPL in the following ways:

1. Ask your friends who live in a small town to take out insurance. This is only relevant for contracts that allow an unlimited number of drivers to drive a vehicle;
2. Purchase a seasonal policy, choosing months in which you will not drive;
3. Insure several vehicles - companies often accommodate such car owners and provide a good discount.

It is important to know! In the case where the driver has a bad accident history or short driving experience, he will be assigned the highest possible coefficients when calculating the cost of insurance. If you change insurance company, the situation will not change, since they exchange customer data.

If you have had a high accident rate in the past, you will only be able to reach the initial rates after two years of accident-free driving. Some people, to save money, do not drive for a year and then, by purchasing an MTPL policy, return to the original indicators, thereby shortening the procedure by 1 year.

List of cheap insurers

A few years ago there was no concept of a cheap insurance company, since the law prohibited increasing the base rate required by law. But taking into account the complaints of the strongest players in the market, the state allowed each company to make a premium at its own discretion. The main condition was not to exceed 20% of the base cost of the MTPL policy.

Large insurance companies most often use the entire 20% interest to obtain profitable contracts using their brand. Less significant players, while maintaining a fairly high markup, provide a system of discounts and bonuses, luring customers to them.

Important! When choosing an insurance company, you should pay attention to its reputation, and only then look for somewhere cheaper.

Here is a list of organizations that have a loyal pricing policy and have a good reputation among the driving community:

1. AXA Insurance– an international insurance company operating in 58 countries;
2. Alpha Insurance– a Russian company with more than 100 types of services has united several companies;
3. RESO guarantee– a universal organization engaged in insurance in various fields, but the priority is the automotive market segment;
4. Ingosstrakh is the youngest of the listed companies, it was founded in 2004, but it holds its own in the insurance market quite confidently and they have the cheapest OSAGO car insurance.

What is important when buying OSAGO?

The most important parameter by which any company involved in insurance payments is evaluated is the guarantee of receiving timely compensation.

Therefore, when choosing a company, you need to pay special attention to the following factors:

• Availability of a valid license - information about it can be found in open sources by making a corresponding request in any search engine. Companies that regularly fail to pay compensation or frequently delay the process will lose their license;
• The state of the company in a trade union - each country has its own insurance unions, and Russia is no exception;
• A network of representative offices - the best option would be an organization with offices in many cities of Russia. This is important for people traveling by car to different regions of the country.

The easiest way to find out about the reputation of an insurance company is to check customer reviews left on special websites.

But you shouldn’t count too much on the reliability of this method, since there is a fierce struggle between competing companies and competitors can easily leave negative reviews.

Scammers

As soon as the base rate was almost doubled in 2015, a huge number of scammers immediately appeared in the car insurance market. Most often, they acted through hired agents and dealers, who sometimes did not even suspect that they were participating in a crime and said that they had the cheapest OSAGO car insurance. At the end of the year, up to 30% of fake MTPL insurance policies were identified.

To avoid mistakes, you should pay attention to all the oddities that will not look entirely natural, among them:

• Phone calls from your insurance company, most often scammers offer to extend the term of the contract. This is done by former employees of insurance companies who have lists of clients and decide to profit from this by issuing fake documents;
• If you want to meet outside the company's representative office - such people often pose as an independent agent and provide a fake license, be very careful. It is mandatory to check the license compliance;
• The reduced cost of a compulsory motor liability insurance policy without justifiable reasons should also cause caution. Cheap car insurance is not always good.

Video of selection of cheap and reliable insurance

The question: “Where is the best OSAGO?” - many motorists ask. At first glance, searching for an “inexpensive” company is pointless, because everyone’s tariffs are the same, and a third party will receive the money. But there are still some nuances that depend on the insurer.

For example, in the case of an accident, the amount of payment depends on the company. That is, it depends on the insurance company how much the injured party will be satisfied with the amount. When the victim is satisfied with financial compensation, the case will end peacefully; if not, there is a possibility that he will go to court, demanding to recover the missing amount.

In addition, the situation is complicated by the fact that such companies often close down. The reasons may be different, for example, revocation of a license, bankruptcy, and so on. To make a choice in favor of any insurer, it is necessary to analyze various factors. As a rule, in most cases, the most reliable ones lead in all positions.

How to choose an insurance company for compulsory motor liability insurance?

You should know that no insurance company fully compensates for losses. In practice, about 40-50% of the actual amount of damage is paid. According to statistics from the Russian Union of Auto Insurers for 2012, insurance companies collected 120.9 billion rubles, but paid out only 61.9 billion; therefore, no matter how much the drivers hoped, they would not receive full payment.

For CASCO insurance, you need to choose an insurer more carefully than for MTPL. This is due to the fact that the auto liability policy is mainly regulated by federal laws, and CASCO insurance is governed by insurance rules that each company sets independently.

When choosing an insurance company, you should consider the following factors:

1. Price. A very low value may indicate that the policy is counterfeit. A price that can be trusted must be within the base rate established by law.
2. License. Having a document confirming the right to operate is a prerequisite for reliable institutions.
3. Rating. The compilation of such lists is carried out by qualified specialists who form the list based on the authorized capital of the organization and the ratio between funds received and paid.
4. Availability of branches. Such a criterion indicates the convenience provided to customers and the significant demand for the product.
5. Additional service. To attract clients, large, stable companies offer various promotions, discounts, and additional free services (for example, legal advice, tow truck).
6. Duration of activity. The longer an institution provides services, the more reliable it is.
7. Reviews. Of course, there won’t be only positive comments about the insurer’s activities, but it is important that there are significantly more of them than negative ones.

A good insurance organization is a reliable institution that promptly fulfills its obligations. Any insurer must be able to make payments and not go bankrupt.

If you have settled on a little-known insurer, the first thing you need to do is check whether it has a license to operate. There are more than 400 of these in the Russian Federation and each has dozens of agents. The list of insurance organizations is presented on the website of the Bank of Russia. Institutions that have been operating in this market for more than 10 years are more trustworthy.

Which insurance company is better to apply for compulsory motor liability insurance?

Reputation in the market for the services provided is very important for insurers. If little is known about the institution, only “old” clients will cooperate with it. Therefore, organizations spend huge amounts of money on self-promotion. This allows you to increase the customer flow, but the quality of the services provided and reliability may be far from desired.

According to statistics, only some companies have earned complete trust among car owners:

1. Rosgosstrakh. The government structure is considered the most reliable among drivers and has the highest market share (35.83%).
2. AlfaInsurance. According to ratings, it is among the ten best insurers. Among car owners, the company is considered to have the most reasonable prices.
3. VSK. One of the “long-livers” in the insurance market (operates for more than 20 years). More than 5 million individuals use its services.
4. Agreement. Provides insurance in various areas, including auto insurance. It has been operating for more than two decades.
5. Renaissance. A relatively young company, popular due to its reasonable prices.

If you have decided on an organization, it is better to draw up the document directly in the office. When you decide to sign an agreement with an agent, check his power of attorney for the right to carry out activities. It is not uncommon for intermediaries to “forget” to hand over money for policies or to sell stolen car insurance.

Advantages and disadvantages of OSAGO insurance online

Every day more and more policies are sold via the Internet. Purchasing insurance online has both positive and negative aspects.

The main problem that car owners most often encounter when drawing up a document in this way is errors and inaccuracies in the database of the Russian Union of Auto Insurers.

If the data is correct, everything works out clearly and quickly. When the information about the car owner does not match the actual one, it is difficult to buy an online policy.

But since the information in the RSA database is updated as new contracts are concluded, if it was not possible to issue OSAGO online this time, you can try next time. But this year, when purchasing, you should make sure that the insurance employee correctly entered your data into the system.

Advantages of purchasing a policy online:

• purchase at any time of the day, without leaving home;
• registration in a couple of minutes;
• You can calculate the price here on the website using an online calculator;
• lack of bureaucracy;
• You can pay using electronic wallets;
• You can see accurate information about current tariffs and additional services.

One of the important advantages of online insurance is the reduction in the cost of the policy. Since there is no need to hire employees to prepare documents, open offices, or pay commissions to agents, the price of compulsory motor liability insurance becomes lower.

Among the disadvantages is that the majority of citizens do not trust purchases on the Internet, so the demand for online processing is still lower than for directly purchasing paper in the office.

Necessary documents for MTPL insurance

As a rule, institutions indicate in the contract a list of required documents. This list is regulated by law and cannot be changed.

Reliable insurance institutions are distinguished by their professionalism. They always work clearly and harmoniously. Specialists always advise clients on all issues, and in the event of an accident, an inspection is carried out and funds are transferred without red tape.

Today in Russia there are so many cars in use that if only a quarter of them were released onto city streets at the same time, thousands of accidents would become inevitable.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

And with them - massive showdowns and fights, showdowns. So that most road situations can be resolved in a civilized manner, car insurance was invented.

What you need to know

Motor vehicle liability insurance in Russia is mandatory and annual. The policyholders are companies (ICs) that issue and sell MTPL policies.

Car owners, by presenting these policies, confirm their insured status to victims of an accident.

It should be remembered that OSAGO is a liability to other car owners. The insured person, i.e. the owner of the MTPL policy, will not be able to receive a penny from his insurance company, even if he is not to blame for the accident.

But the insurance company of the person responsible for the accident will be obliged to pay all types of damage.

Since the beginning of 2019, all insurance companies are required to issue MTPL policies electronically. But this only applies to those who have already taken out insurance.

Persons insuring new cars or citizens who have received a driver's license for the first time will not be able to use this service. They must appear at the Investigative Committee in person for the data to be entered into the RSA database.

Basic definitions

When drawing up MTPL contracts and their practical use, the following terms and definitions must be used:

Why is it needed?

Until 2003, car insurance in our country was not mandatory. And very often, after terrible accidents, victims were unable to obtain compensation for losses.

Also, after an accident, people often could not speak, sit, or walk. Therefore, there was an urgent need to protect the interests of victims.

Now, if no harm was caused to a person’s health during the incident, the victim has the right to turn to his insurer for the so-called “direct compensation for losses.”

And if, according to the initial assessment, the damage caused in an accident is no more than 50 thousand rubles, then there is no need to invite representatives of the traffic police to the scene of the accident.

Insurance companies must review claims for damages within 20 days.

Delay is fraught with payment of fines established in accordance with the key rate of the Central Bank and the amount of damage.

The legislative framework

To date, many regulations have been developed to be used in resolving the issue of compulsory motor liability insurance.

Here are just the main, most frequently used ones:

Where is it cheaper to insure a car under OSAGO?

As you can see, the legislation for insurance companies and policyholders is the same, but the cost of issued policies can be different - more or less.

Moreover, this may depend on the insurance company. This means that before taking out a policy, you should call all the insurance companies that you can use.

You need to find out the amount of the base tariff that the company works with. Companies can reduce their BT as much as possible to attract clients.

Whereas the SK tariff may unreasonably rise to the maximum level. The tariff, company reputation, reviews of car owners can be checked using the Internet.

Naturally, insurance will be cheaper from a company that does not have the highest base rate. The cost of the policy is also affected by the territorial coefficient.

List of the most popular companies

The popularity of a particular insurance company is determined in accordance with its position in the rating.

According to the rating compiled by the number of requests or mentions about insurance companies on the Internet, Rosgosstrakh is in first place, VSK is in second place, and Ingosstrakh is in third place.

After all, requests from the insurance company may be related to the need to complain about the company, and not to leave a positive review about its work or use its services.

How much does it cost

The basis for calculating the cost of car insurance is the base rate (BS), depending on the category of the insured vehicle.

The maximum value is used when calculating insurance for vehicles that carry passengers, the minimum value for trams.

• region of vehicle registration;
• a coefficient called bonus-malus or BBM;
• the type of policy itself (limited or unlimited);
• length of service, age of the driver and his status;
• engine characteristics;
• availability of a trailer;
• period and period of use of compulsory motor liability insurance.

All of these options increase or decrease the base rate. Information on them is open. The last parameter that was made publicly available was the KBM.

The coefficient is indicated in the RSA (Russian Union of Motor Insurers) database and was previously issued only at the request of insurance companies. Now the KBM is also in the public domain.

How can you reduce the cost?

The practice of calculating motor vehicle insurance is the same for all insurance companies in Russia. However, in one insurance company the policy is more expensive, and in another it is cheaper. Why does this happen and how can you reduce the cost of your policy yourself?

The larger and more populated the city, the more expensive the regional coefficient will be. Therefore, it makes sense to re-register the car in the name of relatives, for example, living in a village.

In villages, the coefficient usually does not exceed 1.0, and in some places it is 0.6. Thus, the cost of the policy can be reduced by almost 2 times.

Inclusion in the list of drivers who are allowed to drive a car and have a short driving experience or are less than 22 years old significantly increases the cost of the policy.

That is, even if the owner of the policy himself has decades of accident-free driving on his account, but those whom he enrolls do not, the bonus malus can increase by 2 times.

In such cases, it is better to take out insurance that does not limit the number of persons allowed to drive the vehicle.

Opportunities online via the Internet

From January 1, 2019, all insurance companies operating in the Russian insurance market are required to issue MTPL policies electronically.

This means that the car owner himself will fill out all the fields of the document. But before contacting one or another insurance company, you should calculate the cost of the policy using a special OSAGO calculator, also on the Internet.

Obtaining such independent data will make it possible not only to determine the real cost of insurance, but also the intentions of the company, which may unjustifiably inflate or lower prices, which at first glance seems to be a positive factor.

In fact, a policy that is surprisingly cheap is a reason to be wary. Firstly, due to incorrectly entered data by the car owner himself.

Secondly, because of the consequences of purchasing such a policy - after all, it will actually be invalid. More precisely, by presenting it to a traffic police officer, the car owner will avoid a fine.

And in the event of an accident due to the fault of a car owner with a “cheap policy”, the unfortunate car owner will have to pay for the repair of the damaged vehicle.

In this case, he is subject to recourse requirements, i.e., an obligation to pay for the repair of the damaged car.

For insurance companies, this fact can “free their hands” and they deliberately sell cheap ones and make mistakes when calculating odds.

And this will turn out to be beneficial - after all, they will continue to receive money for the policies, and such policies do not oblige them to bear financial liability to the victims.

Electronic policies are issued on strict reporting forms.

Subsequently, he can receive a real, “green” policy from the insurance company’s office, and completely free of charge.

The company can send the policy by mail, but the car owner will have to pay for the postage. The amount of postal services must be indicated separately from the cost of the MTPL policy.

Video: how to insure a car cheaply and without additional charges. OSAGO without additional insurance cheap

It is advisable to issue an MTPL policy online at the same company where the policy was issued previously. You will have to enter less data, and the verification will take much less time.

And most importantly, if the basic tariffs have not been changed due to legislation, it is easy to compare last year’s and current amounts.

You should know that all insurance companies have pages that have different designs for online registration of MTPL insurance.

Not every one of them immediately signals that the fields are filled in incorrectly or that there is an error.

Therefore, if you have any difficulties when applying for a policy, you can try to use the filling option provided by a competing insurance company.

The cheapest options in Moscow

Auto insurers now have the opportunity to set the base rate for different localities individually.

The information is posted on the insurance company websites, after which motorists can use it to compare offers.

It must be said that in large cities the insurance companies are set up for maximum BT. In the capital these are insurers - VSK, SOGAZ and Renaissance.

In this article, we have collected all the information you need to know if you decide to insure your car and do not intend to overpay exorbitant amounts. We will help you understand the entire process of applying for insurance and its payments and find out where it is cheaper to insure your car.

You don't have to pay exorbitant amounts of money to insure your car.

Types of insurance and their differences

The first question that stands in our way is: “What type of insurance do you need?” There are several:

1. OSAGO is Mandatory Automobile Liability Insurance. This insurance is necessary because without it you cannot register a car, carry out a vehicle inspection, and you will simply be fined if you drive on the roads without it. OSAGO compensates for damage caused by the insured car to someone else's property (as well as life or health). Tariffs and payment amounts are regulated by law and are completely identical for the entire country. Payments under this policy are made strictly according to the court's decision.
2. CASCO, on the contrary, compensates for damage directly from damage to the insured car (with the exception of property transported in it). This type of insurance is not required by law. The conditions and total cost of insurance may vary depending on the insurance company and the general market situation, since CASCO insurance is not regulated by law. A court decision is not required if the company has no doubt that the policyholder is not a fraudster.
3. Another type of insurance policy is DSAGO, which can be attributed to the first point. This is additional civil liability insurance. It is also voluntary. Its function is to significantly increase the amount of compulsory motor liability insurance payments, the maximum of which is 400 thousand rubles.

First of all, you need to decide what types of insurance you need.

How to get the cheapest insurance?

CASCO prices directly depend on the choice of your insurance company, and OSAGO has its own limits. Most drivers are absolutely sure that it is impossible to cover a compulsory motor liability insurance policy, since there are laws that cannot be contradicted. And it’s true, because you really can’t go against the law and “you can’t jump higher than the ceiling,” the minimum amount remains unchanged. However, it is impossible not to take into account some factors that also affect the overall cost of insurance. Let's look at the price tag: the cost of an MTPL policy varies from 7,550 rubles to 9,060 rubles with a basic insurance tariff of 3,432–4,118 rubles. Regardless of the company you choose, the amount cannot go beyond these numbers. If you are offered insurance that significantly exceeds the maximum value, we advise you to contact another company. If the offered amount is completely underestimated, then most likely it is a scam.

When calculating the cost of an MTPL insurance policy, the following criteria can be distinguished:

• Driver's driving experience;
• Clean driving;
• Driver age;
• Region;
• Engine power;
• Vehicle type;
• Year of car manufacture.

Based on them, you can determine what needs to be done to significantly reduce the price:

1. Include drivers with experience into your policy. If your driving experience has not reached 3 years, it is worth adding drivers who have it to your policy. The cheapest option is no more than 5 drivers aged 22+ and with more than 3 years of experience.
2. Register for the most experienced driver. In the event that you just do not have sufficient driving experience, there is an “experienced” solution for you: you need to re-register the car to a driver who has extensive experience, write off all the drivers or just you on the policy. It will be much cheaper than taking out a policy for a beginner.
3. Choose the cheapest region. Each Russian city has a certain territorial coefficient, which depends on where the owner of the car is registered. The cheapest regions are Chechnya, Tyva, Trans-Baikal Territory and Dagestan. The most expensive insurance is found in Chelyabinsk and Murmansk. Prices also depend on what city it is - the capital or a small town. In Moscow, St. Petersburg and Yekaterinburg, it is almost impossible to buy a cheap insurance policy.
4. Choose the most suitable company. At the moment, prices rise and fall at warp speed, so it would be better to study the market yourself. However, we will show you the overall picture of the market.

One of the options for reducing the cost is to include a driver with extensive experience in your car insurance

Companies and the cost of their insurance

When choosing a company that will provide MTPL insurance for your car, you should pay attention not only to the cost of their services, but also to the reliability of the organization. Preference should be given to agencies that have considerable experience. Among the “cheap” ones, the following companies can be distinguished:

• Alfastrakhovanie is one of the top 10 insurance organizations and issues all types of insurance policies. This is where you can find the lowest prices.
• VSK is known for its more than 20 years of experience and market leadership. It provides insurance policies to about 100,000 enterprises and more than 5 million citizens.
• Soglasie is also a worthy competitor to the leaders of the insurance market. It has about 10 million insured cars.
• Renaissance Insurance is a fairly young, but very reliable company that has managed to establish itself in the market.
• Rosgosstrakh is a state organization that insures incredible risks and inspires complete trust.

To find out the exact cost of compulsory motor liability insurance, you need to multiply the base tariff (3432–4118 rubles) by the coefficient, which is determined by the previously described criteria. Based on them, you can already determine the approximate price of insuring a particular vehicle:

• Mopeds, motorcycles - 870 rubles.
• Car (weight - from 3500 kg) - 2575 thousand rubles for ordinary citizens and 3400–3700 thousand rubles for entrepreneurs.
• Vehicle category C - 2800–6200 thousand rubles.
• Trolleybus - 3,400 thousand rubles.
• Tram - 2100 thousand rubles.
• Tractor - 1150 thousand rubles.

Choosing an insurance company to issue an MTPL policy is a responsible undertaking. It must be reliable so that payments are made on time and in full. Therefore, every car owner is interested in where it is better to insure the car (MTPL). There are various reviews on this issue. It is necessary to focus on the company's reliability rating.

Choosing an insurance company

Today there are a large number of companies where you can sign up for an insurance contract. Where is the best place to insure your car? When choosing a company, you need to consider the following criteria:

• Popularity and sustainability. You need to study the company ratings and get acquainted with the authorized capital. It is also important to find out how many years the company has been operating. You need to know about the amounts of fees and payments. If the company is stable, this figure will be 30 to 80%.
• Branches. Drivers who travel frequently should inquire about the number of branches in other regions. If a company operates in Russia, then you can safely apply for compulsory motor liability insurance.
• Reviews. In this case, you don’t need to trust opinions from the Internet; you need to talk to your family and friends who have ever taken out an insurance policy. People can tell you where it is better to insure your car (MTPL). Reviews are a great guide.
• Cost of the contract. According to the law, OSAGO has its own tariffs, which must be in every insurance company. If it is proposed to issue a document at a low cost, then you should think about whether it is legal. Usually such conditions are offered by fly-by-night companies or scammers. You need to purchase compulsory motor insurance only from a large company.

Therefore, every car owner can choose where to insure their car. OSAGO is a mandatory document, without which you cannot drive a car.

How is insurance carried out?

By law, every car owner must have a contract. Where can I insure my car for compulsory motor liability insurance? You need to contact a trusted company that is popular with other drivers. You need to take a package of documents with you. Mandatory ones include:

• Passport.
• Documents for the car.
• Driver's license.
• Diagnostic card.

Every capable citizen can be an insured. Based on the documents provided, the specialist calculates the premium and prepares the documents. Where is the best place to insure a car (MTPL)? Reviews indicate that you need to familiarize yourself with the pricing policies of several companies, and then choose the one that offers to issue a document at the lowest price. A company with official discounts is ideal. There are insurers who inspect the car.

Insurance situation

Many motorists are faced with the problem of not being able to insure their car under compulsory motor liability insurance. What to do in such a situation? In fact, you need to pay for additional services. Typically, the insurance representative includes life insurance and a medical card in the price. If the latter service is not required, then it is exchanged for apartment insurance.

Car owners are only indignant, but still purchase compulsory motor liability insurance with services, since there are fines for traveling without a document. But what should you do if you don’t want to purchase additional insurance? The insurer cannot refuse registration; it must offer 2 options:

• Purchase a policy with additional services.
• Write an application, wait 30 days and give the car for inspection.

What exactly to choose, the policyholder decides for himself. Insurers take advantage of the fact that a policy is usually required urgently, so no one wants to wait a long time.

Where can I get insurance?

Where is the best place to insure a car (MTPL)? Reviews indicate that you need to choose a company responsibly, because it must make payments in good faith. There is no need to contact small companies; it is better to visit large ones that have been working in this field for many years. At the same time, the price does not necessarily have to be low, the main thing is that the protection is reliable.

Where is the best place to insure a car under MTPL? You need to focus on the following rating:

• Rosgosstrakh;
• SOGAZ;
• Ingosstrakh;
• RESO-Garantiya;
• AlfaStrakhovanie;
• VTB-Insurance.

Based on this rating, you can make a conclusion about where to insure your car under MTPL. Each of these companies offers favorable terms of cooperation. Moreover, the policy is issued to them both when visiting the office and via the Internet.

Online fraud

Some motorists with a desire to save money apply for compulsory motor liability insurance from companies through online offices that offer to sell the form at a low price. They also promise free delivery. These are the conditions that many motorists find themselves in.

But in practice, fraud is now common. Many of the documents are false, which is why payments will not be made based on them in case of an accident. Therefore, you should not trust the favorable conditions for providing insurance. It is necessary to carefully check the form and company before applying for compulsory motor liability insurance.

What is the difference between a fake policy and a real one?

When buying a contract, you need to pay attention to some points:

• A real document has thick, rough paper, while a fake document is printed on a regular A4 sheet.
• The original has watermarks and RSA logos.
• There is also a protective metal strip on the back.
• The original document is slightly longer than A4.
• The number is in the upper right corner. It is convex to the touch.
• This document has red and green fibers: the former are visible through light, and the latter through ultraviolet.

License

Which insurance company is best to insure a car with? OSAGO must be issued only by a company that has a license. It must be valid. You can check the document on the RSA website. You only need to enter your MTPL policy number. After this, a table will appear indicating the date of shipment of the insurance company and its name. Information will be shown whether there is a license. Verification can be performed via telephone when signing a contract.

What to do if you refuse?

By law, the client is not required to pay for additional services. And without them, not everyone agrees to draw up the document. Therefore, if there is a denial of service, then it is possible to influence insurers according to the law. Usually, when taking out a policy, people do not pay attention to overpayments. If you want to achieve justice, then you need to go to court or the antimonopoly committee.

In order for the case to be won, it is necessary to provide evidence that the company’s employees refuse to serve. This may be a written refusal, which indicates the reasons for the impossibility of drawing up the document. If they refuse to provide such a document, then this fact can be recorded on a phone or voice recorder.

Usually, with evidence, it is possible to win cases, which is why the amounts are returned, but this will take a lot of time and nerves. There is also a possibility that the offended company will pass on information about such a client to its partners. And it will be difficult to obtain a policy in the future. In such a situation, it is necessary to file a complaint with the antimonopoly office, the prosecutor's office and the court.

Registration of CASCO

If OSAGO is mandatory, then motorists can apply for CASCO insurance if they wish. These services are also provided by various companies, usually those that issue compulsory motor liability insurance. The policy provides the right to compensation for losses in case of an accident and other cases. The list of risks can include anything:

• Hijacking.
• Damage due to an accident.
• Falling objects.
• Scratches.
• Broken glass.

Moreover, it does not matter who is to blame for the incident. The cost of the policy depends on the list. Although CASCO is expensive, it is still in demand. And since it is voluntary, insurance companies include additional requirements. In both cases, the motorist has the right to choose the company that will provide insurance.