Word template for filling out the compulsory insurance form. Checking the form using the RSA database

Are you looking for a reliable insurance company? Applying for a car insurance policy with AlfaStrakhovanie is quick and convenient. You
You can buy OSAGO online via the Internet or in one of our offices.

The OSAGO insurance renewal service online is available to all of the company's OSAGO clients in all regions.

What is “MTPL insurance” in our company? This is a high-level service, simple policy purchase and fast
registration, round-the-clock support and convenient renewal of compulsory motor liability insurance.

Filling out the MTPL policy of the EEE series.

The template form is presented in a WORD file and is universal for all types of OSAGO forms of the EEE series.

You can receive a file with a template for filling out the MTPL - now only on a paid basis.

1. To receive the MTPL template, you need to make a payment to a Sberbank card 4276 3800 4450 37662. In the “Message for transfer” field, indicate your email where to send the “Template for filling out the MTPL”3. If you have any questions, write to us by email. [email protected]. Applications are processed from 10-00 to 19-00 (Moscow time)

Can this form be used for insurance?

You can use the OSAGO form for insurance. In order to receive payment, the victim must submit an application within thirty days from the date of filing the notification of the occurrence, in order to then receive payment of the insurance compensation.

You need to submit a copy of your passport; the document was damaged on the day of the accident.

The payment is made by bank transfer; the person responsible for the losses must be compensated for the amount of the losses themselves, but only if it is provided for by the insurance contract itself.

HOW IS THE COST OF MTPL POLICY FORMED IN 2018?

To calculate the cost of compulsory motor insurance online you need to follow a few simple steps.

The Central Bank of Russia sets the maximum and minimum tariff values for compulsory motor liability insurance.

The cost of a new MTPL policy consists of a base rate and individual coefficients. (According to instructions
Bank of the Russian Federation No. 3384-U dated September 19, 2014, as amended. dated March 20, 2015) a tariff corridor is established, then
There are minimum and maximum values of the base rate of compulsory motor insurance.

Each insurance company determines its cost of the MTPL policy within the limits established
Central Bank of Russia.

The cost of insurance will depend on the following parameters.

Power
car

Region
registration

For large and capital cities, the MTPL policy will cost more. After all, using a car in such
In a metropolis like Moscow, you are at greater risk of getting into an accident than on a country road.

Therefore, in the capital of Russia, regional k = 2.0, and for the Moscow region - already 1.7.

Age
and driver experience

Accidents
in the past

The state encourages careful drivers: if the vehicle is used carefully, a beneficial system operates
discounts – 5% for each year of accident-free driving. The maximum discount cannot exceed 50% over 10 years.

Number
drivers allowed to drive

The price of the policy depends on the number of drivers specified in it. For an unlimited list of listed drivers
coefficient k=1.8 is applied.

If the list is limited, then all drivers allowed to drive
car must be indicated in the MTPL policy. If the list of drivers is limited, k=1 is used.

Additional materials on the topic: OSAGO form.

AlfaStrakhovanie offices

Please note that under the MTPL agreement your life is not insured.
It is for you that we have developed an accident insurance product - “Additional Protection”.
More details on the terms and conditions can be found here.

What documents will be needed

To correctly fill out any form, you need to prepare several documents that every vehicle owner has on hand.

You will need:

personal passport;
document for the car confirming ownership;
driver license;
received compulsory insurance contract.

Please note that the insurer may request all of the listed documents in the original. When receiving information online, you will need to take high-quality photographs of the documents and send them to the insurer at the specified email address.

Application for concluding an agreement in the prescribed form.
Certificate of state registration of a legal entity (for legal entities) or identification document (for
individuals).
Documents for the car (passport, registration certificate, vehicle registration certificate, technical certificate).
Licenses of drivers authorized to drive a vehicle (if specified in the MTPL policy).
Diagnostic card, maintenance coupon or state technical inspection (according to the Federal Law of the Russian Federation No. 170 dated January 1, 2012
year).

Checking the form using the RSA database

It is no secret that insurers often lose strict reporting forms. If a manager has lost a strict reporting document, then it is necessary to immediately write a statement addressed to the manager, indicating the document number and for what reasons it was lost. Next, a statement is submitted to the police and RSA.

To account for the so-called “losses”, a special section has been created on the RSA portal. To obtain the data, just visit the section “OSAGO: invalid policies” and download the database in an Excel file. You can check the future form by searching. As a rule, such a check takes no more than 5 minutes.

If the future policy number is not on the list, you can sign and make payment.

DSAGO (EXTENDED MTPL)

Unlike MTPL, your voluntary auto liability insurance policy does not have
limited amount of payments established by law. You have the right to choose the limit for your policy
DSAGO.
DSAGO will help expand the liability limit when insuring a car under MTPL, it covers damage,
damage to property, life and health of third parties (including pedestrians) injured in an accident in excess of the limit
payments under compulsory motor liability insurance.
The cost and coverage of DSAGO are determined individually.

Check the policy form in the office

To check the completed document, you should contact the insurance company, having in hand a complete package of documents (passport and insurance). It is important to understand that only the policyholder or another person will be able to obtain information if they have a notarized power of attorney.

In addition to your passport and insurance policy, you must fill out an application in which you ask to provide a detailed report on the issued form. The request will require you to indicate:

name of the insurance company and name of the director;
personal data and contact details;
number of the insurance received: series and number.

Only change numbers and letters in the mask.
Before printing the original, make a copy of the blank policy and practice typing on the copy of the policy.

Then the agent, in accordance with the data received, must fill out a new compulsory insurance policy form. This takes time. A special program for filling out compulsory motor liability insurance helps to make this faster and easier.

Program features

– Supports electronic filling of OSAGO;
– Automatically keeps records of vehicles for which insurance is issued;
– Registers, fills out and prints forms using the OSAGO sample;
– Maintains statistics on the cost and number of policies;
– Reminds clients who do not pay insurance premiums;
– Easily adjusts to any changes in insurance legislation.

The agent is only required to fill out the OSAGO EEE policy one-time, in order to be able to instantly update the client’s history with the insurance company at any time.

The program for filling out the EEE series compulsory motor liability insurance allows you to find out the driver’s full insurance history:

– dates of issue of MTPL policies;
– calculation of the insurance amount;
– insurance payments, etc.

Using the program, agents issue new policies in just a few minutes. The basis for this is previously issued insurance. For the program to work correctly, you only need a sample of filling out the compulsory motor insurance liability insurance policy.

Benefits of the program

– Convenient and intuitive interface (even an employee with basic computer user skills can figure it out);
– Easy installation (just download OSAGO and run the installation);
– Ability to quickly work with clients’ personal data;
– Prompt creation and renewal of contracts;
– Secure storage of documents in electronic form;
– Printing statements, receipts and policies.

Keeping a policy journal, storing and cataloging information about policyholders, insurers and insurance premium calculations has become much easier and more convenient. To get the most out of the software, you will need to download the template. In professional jargon, it is often called the OSAGO mask.

To apply for an insurance policy, you must appear in person at the office of the insurance company, but you can calculate the cost using a calculator online. In order not to go through the same issue twice, you need to prepare the necessary documents in advance. By insuring yourself against possible risks, you can get rid of a huge number of problems when you hit or get into an accident; you should correctly fill out an application for compulsory motor liability insurance according to the sample. Read more about the nuances of filling out the application form for MTPL insurance in our article on the website

Documentary part of the issue of MTPL insurance

After visiting the selected insurance company, prepare the following documents: a passport of a citizen of the Russian Federation and the same document, but for a vehicle (you can have a document indicating the fact of registration), a vehicle driver’s license and a diagnostic card. The insurance company, represented by a customer service manager, will accept the documents, check their eligibility and ask you to fill out an application for the provision of MTPL insurance services.

It should be noted that the application form for compulsory motor liability insurance for each insurance company may be different, but the very essence of the necessary questions and fields to fill out remains the same for everyone. That is, the lines can be placed in any order and under different names, but the polled data remains the same for all drivers.

So, after filling out the application form for the provision of compulsory motor liability insurance, the representative of the insurance company is obliged to give the client the following list of documents:

OSAGO policy.
Forms that must be filled out in the event of an accident.
Receipt form A7 (original only).
List of addresses and companies that are representatives of the insurer throughout the Russian Federation.
A document with basic insurance rules.

No matter how much you would like to complete the entire process and fill out MTPL applications at a distance, drivers will never be able to do this. You can discuss all questions over the phone, calculate the amount of insurance online and leave a completed application form on the website, but you must autograph the contract in person and in the presence of a representative of the insurance company.

In order to protect yourself from a fake insurance policy, you need to know the main differences between insurance and a fake, or know how to check its authenticity. It is important that from the first days of last year the policy series was changed from “BBB” to “CCS”; be vigilant so that fraudsters cannot slip in an invalid form.

Download the application form for MTPL insurance + sample filling

You must fill in the policy form with information about the owner of the vehicle and the technical characteristics of the vehicle, information about its model and other necessary information. It is necessary to fill out information about all drivers who have the right to drive a car, but the number of such people should not exceed 5 people. The cost of an insured event, with a detailed schedule of what will be included in this concept. It is necessary to indicate the territorial validity of the insurance document and the amount of payment for the policy (insurance premium).

A genuine insurance document has an insurer's stamp and a unique number (entered in the RSA database) in the upper left corner. On the front side there is a green-blue mesh, and you can also see the watermarks. On the other side of the policy you can see a metal strip 2 mm wide, with small red splashes. In fact, the size of the policy sheet is approximately 10 mm longer than the usual A4 sheet of paper. And most importantly, when you hold the document in your hands, look at your hands; if there are paint stains on them, it means it’s a fake.

Refusal application form

There are cases when a driver no longer wants to cooperate with a given insurance company or, for a number of other reasons, he needs to terminate the contract and receive his money for auto liability. This could be the sale of a vehicle or a change of driver (owner), the vehicle cannot be restored, the owner of the car has died, or the vehicle has been stolen.

And the extreme case is bankruptcy or termination of the activities of the chosen insurance company. Approximately these reasons may be in order to terminate the agreement, and even get your money back. The application form may also differ from one insurance company to another, but it is necessary that the following basic fields be filled out:

initials and current phone number;
details of the identity document (it is necessary to indicate the series and number);
one of the suitable reasons for terminating the contract;
The signature of the client of the insurance company and the date of filling out the document are required.

When visiting the insurance company, be sure to take your insurance policy and identification document with you. After considering the application for termination of the insurance agreement at the client’s initiative, the insurer is obliged to pay the money within two weeks. The date indicated in the application for termination of the contract will be the date of termination.

Checking the cost of an MTPL policy on the RSA website

You can verify the honesty of the insurance agent by double-checking his calculations on the official RSA website at the link:

http://www.autoins.ru/ru/osago/calculator/

With the advent of electronic insurance, many drivers are interested in: how to correctly fill out and print the form and the MTPL agreement? Some drivers are mistaken in thinking that the issued protection must be collected from the insurer's office after payment. You can receive a full-fledged electronic policy without leaving your home. In this article we will look at how to enter data correctly and why it is necessary to check the executed contract. We will place special emphasis on the sections of the electronic application, which must be completed in order to send the document for registration to the RSA.

What documents will be needed

To correctly fill out any form, you need to prepare several documents that every vehicle owner has on hand.

You will need:

personal passport;
document for the car confirming ownership;
driver license;
received compulsory insurance contract.

OSAGO policy forms

The insurance industry, namely compulsory motor liability insurance, is strictly controlled by the state, since it is a compulsory type of insurance. The state not only monitors the quality of service, but also strict reporting documents, which are strictly transferred to each company under a special act.

As soon as amendments are made and the policy changes, the company receives new OSAGO forms and submits the previously received ones according to the inventory. Each document has a unique number, which consists of 10 digits.

In 2017, insurance companies are issuing pink insurance (previously green). You can also visually see that the new form of the MTPL agreement:

It has a new series of documents “EEE”, instead of the previously familiar “BBB”.
Graphic patterns have been added to the insurance as a degree of additional protection. The most difficult thing is the so-called color stretching, which starts with yellow and smoothly turns into a pink tint. It is unlikely that it will be possible to fake something like this.
The font of the written text of the lines has changed. The letters have become a little larger, which makes them easier to read.
New watermarks have appeared on the document as an additional degree of protection. As for the old watermarks, they remain, only their location has changed. To verify the authenticity, it is enough to hold the contract up to the light and the RSA logo and several cars will be visible.
A new metallized thread has appeared, on which there is the inscription “polis”. This new technology allows you to protect your policy. If you believe the experts, then scammers cannot make such a thread.

Additionally, it is planned to introduce a special QR code, which will be located at the top of the insurance policy. It is by using the specified code that each client will be able to find out information about his insurance company, which car is insured under the specified number and driver data in the unified RCA database.

Insurance managers or representatives of insurance companies are required to fill out the form only in block letters, through special programs. A prerequisite is that the program automatically checks all driver information on the unified RSA portal and at the end of the day sends data on all executed contracts.

In the sent report, RSA receives:

date of execution of the contract;
name of the insurer;
insurance period;
period of use;
car make and model;
vehicle identification number;
Full name of the policyholder.

The client does not need to fill out a policy. With electronic insurance, the document is automatically generated.

How to check the form

Since there is a lot of fraud in the financial sector, vehicle owners, after signing a contract, ask themselves: where can they check the received OSAGO form with a stamp?

It is important to consider that experienced experts advise checking the authenticity no earlier than 3 days from the date of registration. If you used electronic insurance services, the policy number will be instantly registered on the portal.

To obtain information, you need to visit the official RSA portal. It is worth noting that the site operates 24 hours a day, even on holidays and weekends. To receive information, you do not need to register or provide personal information.

How to check the OSAGO insurance policy form with a stamp:

1. First of all, you need to go to the RSA portal and select the section “Information for policyholders on the status of MTPL policy forms and the date of conclusion of the contract.” This section is located in the “MTPL” tab (Information for policyholders and victims).

Based on the results of the request, a detailed report will appear, which will include:

status: registered or clean is with the insurer;
name of the company under which it is registered;
validity period (if issued);
date of registration.

If, as a result of the request, the specified information is not available, then the document is fake or has not yet been registered on the unified portal. As for the second option, it can only be checked in person at the office.

3. To check, you can use the service of trusted brokers, such as banks.ru. To obtain information, you must visit the official website of the specified broker and use the search for information that is available in the “Insurance” section.

Data verification on the portal is also free and does not require registration or entering personal data.

Check the policy form in the office

In addition to your passport and insurance policy, you must fill out an application in which you ask to provide a detailed report on the issued form. The request will require you to indicate:

name of the insurance company and name of the director;
personal data and contact details;
number of the insurance received: series and number.

It is worth noting that it is imperative to indicate the time frame within which you are asking for a response. As a rule, a period of no more than 3 days is indicated. Employees of companies such as VSK, SOGAZ and Ingosstrakh provide a detailed report immediately on the day of application, which is very convenient.

How to fill out an MTPL application

When drawing up a contract in the office, each client must print out an approved application form in advance and fill it out. It is very important to enter data not only correctly, but also reliably.

The application form for MTPL insurance can be downloaded both on the official portal of the RSA and on the official website of the insurer. For your convenience, we suggest downloading the template on our website and saving your personal time. (insert link to document here).

This document is the same for all companies, so you should not search on the Internet specifically for the application form for Rosgosstrakh or Reso.

The entire application is divided into 7 sections. Let's take a closer look at what information needs to be provided:

1	It is necessary to indicate the personal data of the policyholder and the owner of the car, such as: last name, first name and patronymic; date of birth; passport data: series and number; registration address; mobile phone number for contact.
2	You will need to indicate all the details of the vehicle in respect of which mandatory protection is being issued, namely: make and model; identification number; year of issue; number of horsepower (load capacity or number of seats); PTS or STS data; car number; unique diagnostic card number. You will also need to indicate for what purpose the car is used: personal, taxi, etc.
3	Below are the details of the drivers who will be allowed to drive. Please indicate: last name, first name and patronymic; date of birth; series, number and date of receipt of a driver's license. Do not forget that within the framework of the mandatory product you can enter no more than 5 drivers.
4	In this section, you must indicate the period of use of the vehicle. Within the framework of compulsory insurance, no more than three periods can be used.
5	The policyholder does not need to fill out three sections, since all the data is entered by the insurer.
6
7

It is worth noting that individuals or legal entities can fill out the document on a computer. After the application for concluding a compulsory motor liability insurance agreement, you must print it out and put a signature and seal (for the organization).

You can also download a sample application form on our website. (Insert sample here).

Checking the form using the RSA database

If the future policy number is not on the list, you can sign and make payment.

How to fill out the application form for a duplicate

If the form is lost after concluding the MTPL agreement, you can write a statement and request a duplicate. In this case, the insurer is obliged to issue insurance immediately on the day of application.

The application must include personal data and information about the vehicle in respect of which the electronic contract was issued.

In the received agreement, in clause 8 there will be a note indicating which document was replaced by a new document. Also, all necessary information will be sent to the unified RSA database.

Application form in case of an accident

If an accident occurs, the injured party must contact the office of the insurance company and file an insurance claim. Each company has its own form for payment of compensation, so you should not look for a template on the World Wide Web in advance to save personal time when applying.

If the insurance form is lost when recording an accident, you should first restore it and only then write a request for compensation payment. The payment application must include the following information:

personal data of the guilty and injured parties;
vehicle characteristics;
date of the accident;
the address where the accident occurred.

To summarize, it is worth noting that the car owner must correctly fill out all the necessary forms of contracts and applications when insuring compulsory motor liability insurance. As for the insurance application, it can be filled out either manually or remotely (when filling out an electronic document). As for an accident, in this case it is necessary to request a document template from the insurer and fill it out in accordance with its specified requirements.

If you encounter problems filling out any document, we suggest using the services of our consultant. A highly qualified specialist will quickly answer all your questions at any time of the day or night.

In conclusion, he offers to watch a video, thanks to which you can clearly see how the compulsory motor liability insurance is checked using the unified RSA database.

A large number of counterfeit MTPL policies have caused a global change in appearance.

First of all, we improved the degree of document protection against forgery. The new OSAGO forms have a different appearance, and a system for their gradual introduction into circulation has been developed.

Updated policy design

The large turnover of compulsory car insurance forms has led to the emergence of counterfeits. Additionally, this was influenced by the increase in the cost of compulsory motor insurance in 2019. Therefore, to protect consumers and insurance companies, a sample of a new policy was developed, the presentation of which took place in January 2019.

The appearance of the new form has changed radically. Motorists should familiarize themselves with it in advance to avoid possible counterfeits. But according to experts, they will appear on the market no earlier than in 1.5 years.

This is due to the high degree of policy protection, expressed in the following factors:

Changing the hue from green to multicolor. Pink colors predominate to a greater extent, turning into yellow and lilac.
New graphic signs in areas free from filling. They have a multifaceted shape and complicate the counterfeiting process. There may be several colors on their surface.
Complicating the shape of watermarks. They came in two types - a stylistic image of the car and the RS logo.
Metallized thread, on the surface of which there are the inscriptions “Polis” and “RSA”. It runs on the left side of the form.

To increase the information content, a field for applying a QR code has been added.

Additionally, it is planned to enter data from compulsory motor liability insurance into the policy - KBM, the place of execution of the document, the name and address of the insurance company. But the timing of the introduction of these innovations is still unknown.

Benefits of introducing replacement

But is it worth spending additional money and time on new compulsory car insurance forms? Their introduction is not a standard replacement and was completed in the shortest possible time. The main catalyst for this was the large volume of fakes, the volume of which, according to some sources, amounted to about 4% of the total number of policies.

In addition to this fact, the following advantages of the new OSAGO forms can be highlighted:

Increasing the amount of useful information. It is at the initial stage, in the future it is planned to expand the data entry fields and add new ones.
Increasing citizens' confidence in the compulsory car insurance system. Dealer companies were partly involved in selling counterfeit forms. The introduction of new ones made it possible to reduce this flow to almost “zero”.
Increased control of document flow. The volume of new completed forms is relatively small. Therefore, PCA can track each of them.

An increase in the cost of the policy by 15% did not affect the increase in the price of compulsory motor insurance. Insurance companies must compensate for this difference on their own, taking into account a minimum “margin” of 20%. But it is suspected that this will increase pressure on potential customers to purchase additional car insurance services.

The most popular will be the OSAGO extension. In case of intrusive service or mandatory purchase of additional services, you can file a complaint with the RSA or the Central Bank. But it is recommended to do this only after trying to coordinate the issue directly with the insurance company. There is always an alternative - finding and applying for compulsory motor liability insurance from another insurer will not be a problem.

Procedure for circulation of the new sample OSAGO form

The first stage of introducing new MTPL forms took place in July 2019. Large insurance companies received a sufficient amount of documents to begin the process. One of the distinctive features was the preservation of the EEE series, which will make it possible to further track the circulation of both new and old forms.

To ensure smooth integration of changes, the following actions were taken:

From October 1, 2019, it will no longer be possible to issue compulsory motor insurance on old forms. The remainder will have to be handed over for further disposal.
Old but valid policies have the same legal force as new ones. This is necessary to reduce the flow of people wishing to replace a document with valid car insurance.
The electronic policy form remained unchanged. In this case, there is no need to make a new form, since after receipt it is printed, and the action is checked directly against the RSA database.

A maximum of one year after October 1, 2019, all old policies will be automatic and gradually replaced with new ones. Already based on the current results of the innovation, one can note the absence of confusion or speculation on the part of insurance company dealers. This is explained by the professional approach on the part of the controlling structures and the main principle of the company - a minimum burden on car owners and insurance companies.

Do I need to change my policy?

After the announcement of the new sample form, a lot of questions arose regarding the order of their circulation. Most of it was decided at the preparation stage. At the moment, the main thing remains, what forms are being issued now and is it necessary to replace old documents with new ones?

The circulation of old-style documents has already ended. Therefore, the client must request a new one when concluding a compulsory motor liability insurance agreement from November 1, 2019. However, there is no need to replace old ones, the validity of which began before this date. But if you wish, you can, by prior arrangement, come to the office of the insurance company, write an application, and instead of the old policy, a new one will be issued completely free of charge.

However, situations may arise when the policy will have to be replaced in any case:

Lost form. You should immediately contact your insurance company, since the loss is equivalent to the absence of compulsory motor liability insurance. After submitting a standard set of documents, a new one will be issued. Most likely you will have to pay a fine.
Partial or complete damage to the document. Determined by the ability to read information located in the fields of the MTPL policy. If this cannot be done, you should follow the procedure described above.
You can restore your electronic confirmation of compulsory car insurance yourself. To do this, just print out the document and present it to traffic police officers upon their first request.

Recently, the ability to check car insurance data by the traffic police was introduced. But formally, the driver must show the original or a copy (for electronic form). If there are none, the road service representative may issue a fine in the amount of 800 rubles. It can be challenged in court in the future. But this will take a lot of time and money.

In addition to knowledge about the new form of compulsory motor liability insurance policy, the driver must correctly go through the entire procedure for obtaining compulsory car insurance. Even a small error in a document can result in a denial of compensation payment. A representative of the insurer is responsible for filling out the paper version, but based on information from the insured’s application.

To avoid errors in the new MTPL policy, it is recommended to do the following:

View a sample application (). You can download it on the website of the insurance company or RSA. In the latter case, the document represents the optimal form on the basis of which insurers formulate their application forms.
After filling out the application, check all the information again. It is important to correctly indicate the type of compulsory motor liability insurance (with or without restrictions), information about the car, its place of registration, and the period of validity of the policy.
After paying for the service and receiving the document in your hands, you should check the data again. Additionally, it is recommended to check the fact that information about the contract has been entered into the RSA database. An alternative is to use independent resources. But they are updated relatively rarely, which affects the relevance of the information.
If necessary, order an endorsed copy of the issued MTPL policy. This may be useful when generating documents for other needs. At the same time, having the original, you will be able to drive a car.

The issue of replacing a completed form that contains incorrect information is decided separately in each specific case.

If it was a mistake by an insurance company employee, they are obliged to reissue the document without additional payment. If there is inaccurate information in the application, the price of a new form may be added to the final cost of compulsory motor liability insurance.

After payment and registration of car insurance, the company representative must provide an information booklet with the addresses and contact details of the organization’s representative offices in Russia. Statements about the occurrence of an insured event are also issued - notifications of road accidents. It is recommended that you familiarize yourself with the rules for filling them out in advance.

How to apply for compulsory motor liability insurance: electronic or paper version

The presence of a new type of paper OSAGO policy will protect the market for these services from counterfeits only for a while. In the future, fake documents will appear that are in no way inferior in quality to the original. The repetition of the situation is explained by the high profits from the sale of counterfeit forms. As a result, not only some car owners will suffer, but also insurance companies.

An alternative would be to issue an electronic equivalent of a paper policy. From January 1, 2019, this can be done from any insurance organization. This decision was announced in August 2019.

Electronic MTPL has the following advantages:

The time required to obtain compulsory car insurance is reduced. The procedure is performed remotely, without visiting the insurance company’s office. In 2019, restrictions apply, consisting in the possibility of registration only when prolonging an old contract with the same insurer. Whether they will operate in 2019 is unknown.
There is no need to have the original of the new MTPL policy. After completing all the procedures, the insured person receives a completed form via email, which must then be printed. It can be presented to traffic police officers.
There will be no problems with restoring a lost policy. You can always print the received form, the data of which is stored in the PCA database.

A gradual transition to an electronic, remote procedure for obtaining auto insurance will significantly reduce the degree of risk for all parties. However, the information will need to be verified by the policyholder. If handled carelessly, the likelihood of an error increases, which will later be problematic to correct.

The new OSAGO form, combined with the promotion of electronic auto insurance, should have a positive impact on the safety of obtaining and using insurance. It is important that the car owner does not have a desire to save on registration, and that he himself does not initiate the purchase of a fake policy.