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We can arrange insurance in companies such as Tinkoff Insurance, Ingosstrakh, Renaissance Insurance, Alfa Insurance, InTouch Insurance, and others, which allows you to find the best offer on the market price, as well as guaranteed to receive an electronic policy immediately after purchase.

OSAGO ONLINE is a convenient tool for quickly determining the cost of OSAGO in all large insurance companies, with the possibility of issuing an OSAGO policy.

In the application you can:
1. Make a calculation of the cost of the insurance policy
2. Compare prices in companies
3. Pay by card
4. and receive a policy by Email.

MTPL Online (E-policy) is an electronic version of the MTPL policy, the acquisition of which is possible on the website of any company authorized to provide this insurance. Citizens of the Russian Federation received the opportunity to issue CTP in online mode from 01/01/2018, and many motorists have already taken advantage of it! For example, during 2018 alone, insurers were able to implement 19 million CTP insurance policies.

What documents do you need to provide for an online policy?
The purchase of an MTPL insurance policy requires that you have the same documents that you will need when applying for this insurance directly at the company's office:
- passport of the insured and the owner of the car;
- registration certificate;
- Title;
- rights approved for driving;
- Diagnostic card - in the case of passing the vehicle.

From what time does the electronic policy begin to operate?
Contrary to a widespread misconception, the MTPL policy does not take effect immediately after the acquisition - only after 3 days from the date of purchase it enters into legal force. So in the event that the policy expires tomorrow, it makes sense to prudently come to the nearest branch of the insurance company in advance in order to avoid confusion with the inspectors.

Do electronic versions of OSAGO accept traffic police inspectors? How to present such a document to a service employee?
In legal terms, the electronic policy is absolutely no different from the one issued at the office. If you wish, you can print the purchased insurance policy, and a skeptical inspector, if you wish, can break through the document number on the basis of car owners. That is, the document online CTP in this case has the same bearer value as purchased in the office of the insurance company (a secure form is not required). And in order to dispel all your remaining doubts, you can independently verify the authenticity of the purchased online policy on the PCA website.

What changes have occurred in the independent auto-examination of accidents for motor third party liability insurance?
The new law does not in any way worsen the situation of customers purchasing an online version of OSAGO. If the person guilty of the accident has an electronic insurance policy, there will be no unexpected obstacles of any kind during the independent examination after the accident in order to establish the actual amount of the insurance payment.

How can I get a discount on the purchase of an insurance policy? How is the cost of an insurance policy determined online?
Discounts for compulsory motor liability insurance are not provided. The cost of the MTPL policy is determined taking into account the requirements of the current legislation.

The following factors are taken into account:
- driver age
- His driving experience.
- The accident.
- Place of registration of the owner of the vehicle.
- Car power.
- The period of use by car.

At the same time, the cost of the policy can be reduced due to the safety factor: bonus-malus coefficient (KBM). The more often accidents occur due to the fault of the driver, the higher will be the bonus-malus coefficient and, accordingly, the price of insurance. But if the driver took a break in insurance, the duration of which exceeds 1 year, then the existing coefficient is leveled and again equal to 1 (100% of the cost of compulsory motor liability insurance).
You can calculate the exact cost of your policy and buy insurance online using the OSAGO calculator.