In what cases can you insure a vehicle under OSAGO without providing a car? how to do it right? Add. inspection for hidden damages (for OSAGO or Casco losses) Inspection of a damaged car by an insurance company

24.05.2022

The act of inspection of the vehicle under CASCO or OSAGO is the only and most important document confirming the fulfillment of your obligation to present the vehicle for inspection by the insurer after an accident.

This document is extremely necessary for you, since in the future, in a lawsuit, the insurance company may justify its refusal by your failure to fulfill your obligation to provide a car for inspection after an accident.

Many people confuse the act of inspection and the conclusion of an independent expert on the cost of refurbishment, these two concepts must be distinguished.

The act of inspection - is carried out by an employee of the insurance company, fixes only the fact that the insured provided the car for inspection and fixing its damage. expert opinion - fixes the damage and calculates the cost of restoring repairs and also substantiates the calculation carried out by the expert. These two documents have different legal meanings and purposes.

Is an insurance company obligated to issue a vehicle inspection report?

The insurance company is clearly obliged to issue you a vehicle inspection certificate, this obligation is provided for in clause 4.23 of the Rules for Compulsory Civil Liability Insurance of Vehicle Owners.

What to do if the insurance company refuses to issue a vehicle inspection report?

If the insurance company refuses to issue a vehicle inspection report, you must submit a written application for the issuance of a vehicle inspection report. You can download a sample application from the link, this application must be handed over to the employee of the organization against signature and seal, and in your application you must indicate when you provided the car for inspection.

Very often, insurance companies respond to written requests that, in accordance with their internal rules, all materials of the insurance case are their property and are not issued at the request of the policyholder. You should know that this is not the case for you as the policyholder in this case the most important thing is to provide yourself with proof of the fulfillment of the obligations stipulated by law to provide a vehicle for inspection by an insurance company, that is, the act of inspection itself is not of great importance. The fact of providing a car can be proved in any other way.

How do I get my insurance company to issue a car inspection report?

If the insurance company paid you sum insured less than necessary for the repair, you should not get hung up on the inspection report, in this case you need to:

conduct an independent review
collect cash from an insurance company
within the framework of the trial, it is necessary to file a petition with the court for the recovery of the case materials from the insurance company, including the act of inspection

Sample application to the insurance company for the issuance of an inspection certificate

You can download the application form by clicking on the link. insurance company for the issuance of the act of inspection in this application, you must specify:

Last name, first name, patronymic of the insured
place of residence
contact number
name of the insurance company
address and TIN of the insurance company
briefly state the problem
the most important thing is to clearly formulate the requirements for issuing an act

To submit a claim for the issuance of a vehicle inspection report, there is no difference under which CASCO or OSAGO contract the insurance company must pay out the application sample here is the same.

When concluding a CASCO or OSAGO contract, the insurer has the right to inspect the car for damage. Pre-insurance inspection is an important component of insurance, so you need to prepare for it with all seriousness. Mistakes in preparing for the inspection will certainly affect the future if there is a need for an insurance payment.

You need to know in advance about all the subtleties pre-insurance inspection car. In this matter, not only the preparation of the car itself is of great importance, but also the place and time of photographing the car. In addition, you should carefully check the act of pre-insurance inspection.

Why is an inspection needed?

When drawing up an OSAGO contract, the insurance company has the right to inspect the car for damage. This is necessary to detect cases of fraud, this possibility is enshrined in law.

Another thing is that not all insurance companies resort to such a procedure. Some insurers prefer not to spend time on a pre-insurance inspection when applying for a motor vehicle, but not all. You need to be prepared for the fact that the manager of the insurance company will ask you to present the car for inspection.

A pre-insurance inspection when applying for an OSAGO policy is not required in two cases:

The client and the manager of the company failed to agree on the place and time of the inspection.
The contract is executed in electronic form through the website of the insurance company.

In the case of voluntary auto insurance, the insurer's right to inspection is provided for by the CASCO rules. The motives for the pre-insurance inspection when applying for such insurance are again dictated by the need to identify fraudsters.

In some cases, the insurance company may refuse to inspect the car, for example, in the case of purchasing a new car at a dealership.

When the managers of the insurance company declare that there is no need to inspect a new car, you should ask them to refer to the paragraph of the CASCO rules, where such a possibility is indicated. If they are unable to do so, they should insist on inspecting the car. Otherwise, upon the occurrence of an insured event, it is impossible to prove that the car was not damaged at the time of conclusion of the contract.

Car preparation

Often, car owners are faced with a refusal to pre-insurance inspection. This causes negative emotions, because the protection against the risk of "damage" begins to operate only after the inspection report is drawn up. The most common reason for denial of inspection lies in the appearance of the car. If the client arrived in a dirty car, the manager simply will not be able to assess the technical condition of the body, in particular the paintwork.

The car owner can hide any damage, and then claim that they were received after the insurance was taken out. Of course, this is a real fraud, but the insurance company is unlikely to be able to prove the fact of a scam. Therefore, insurers prefer to inspect only clean cars.

So, how do you properly prepare your car for a pre-insurance inspection? To do this, proceed in the following order.

Discuss with the managers of the company the time and date of the inspection.
Find out if there is a car wash near the insurance company's office.
Sign up early for a car wash.
Wash your car before inspection.

These simple steps ensure that insurance company managers do not refuse to conduct an inspection.

In addition, it can sometimes be difficult to find the body identification number (called the VIN). It is advisable to find out in advance on which parts of the body you should look for it. To do this, you should contact the employees of the dealership or search for information on specialized forums on the Internet.

When concluding a CASCO agreement, it is necessary to present all sets of keys and key fobs before the inspection. The absence of a key or key fob may be a reason for refusing to pay out at the risk of "theft". You should also check the performance of anti-theft systems in advance.

Time and place of inspection

Photographing is an integral part of the tour. Moreover, the manager of the insurance company in any case will take pictures, even if the car is in perfect condition. At the same time, insurers do not have professional photographic equipment, so the quality of the pictures depends on the lighting.

If photographing is carried out in poor lighting, in particular at night, numerous glare will be visible in the pictures. In the future, the insurance company may use such photographs to refuse to repair individual parts, because damage can be hidden under each glare.

To deprive managers of the opportunity to cheat in this way, you should be very serious about choosing the place and time of the inspection. This procedure should be carried out in an open area during daylight hours, ideally at noon.

If weather conditions interfere with the inspection outdoors, it can be postponed or moved indoors (for example, to an underground garage).

Inspection act

During the inspection, an employee of the insurance company documents all found scratches, chips and other defects. For this, an act of pre-insurance inspection is drawn up. It states, among other things:

technical condition of the alarm (if any);
body and engine numbers;
number of the insurance contract;
car mileage.

The inspection report is drawn up in two copies. The car owner should definitely get his copy. If during the inspection the manager does not find defects, the document is marked “no damage”. Otherwise, all identified damages are indicated in the act.

If you disagree with the results of the inspection, you cannot sign the act, because then the car owner agrees that the car is damaged. To challenge the results of the inspection, you need to contact the head of the office. It is possible that this procedure will be assigned to another specialist, and the results of the previous examination will be canceled.

Content

Do I need to print out an electronic OSAGO policy right away and constantly carry it with me?

The electronic policy, in fact, is a complete analogue of the paper version. Its main advantage is convenience. The document can be purchased on the website of the insurance company. But there is a condition - only a citizen who has already concluded an early contract with an insurance company and has a paper version of the policy can receive an electronic document.

From the point of view of legal force, these are the same documents that are of equal importance when provided to traffic police officers or to an insurance company. The electronic policy has been valid in our country since 2015.

Another difference is directly in the process of paperwork. When issuing an online document, there is no need to come to the office, and you are spared from imposing additional services by the seller. It is important to note that the price of both options does not differ.

The data specified in the policy is available in both options. It:

Name of the owner;
make and model of the vehicle;
also persons who are allowed to manage;
PTS number;
as well as the license plate of the car and the presence of a trailer.

The duration of the contract must also be specified.

First of all, when considering electronic OSAGO forms, a different color is striking in the photo. The electronic policy has a corresponding inscription. Series electronic policy XXX, while paper - EEE. Unlike the paper version E, the policy does not need to have a large number of protection marks.

By law, a citizen has the right not to print an electronic document on a letterhead or to do it on a black and white printer. This should be enough. Starting from September 2015, according to the instructions of Igor Shuvalov, No. 13/12-u-6112 of the GUOBDD of the Ministry of Internal Affairs of Russia, all traffic police officers can and must check the OSAGO policy using the PCA database.

It is enough for the driver to inform the employee that he has this document. Since it is much harder to forge an electronic policy, and sooner or later a paper one can be faked anyway, the first option is preferable for most car owners.

Many car owners are faced with the inability to buy and issue OSAGO. Insurance companies do not want to sell policies in certain regions due to greater losses. Since the agent has no right to refuse to conclude a public contract, insurers use various tricks.

All this leads to the fact that car owners cannot insure their liability and buy policies from their hands, which often turn out to be fake, or drive without insurance at all. The way out of this situation was the introduction electronic OSAGO.

At the request of the insured. The OSAGO insurance rules say that the policyholder is obliged to present to the traffic police officer current policy, but it is not said in what form. It can be a printed policy on a regular A4 sheet.

Currently, traffic police officers have the opportunity to check the legitimacy of the policy if they have any doubts. Since all databases are synchronized, only the rights number is enough, and the traffic police officer sees the entire history of the insured (his current policy, fines, etc.).

Do I need to print the policy on a color printer? Polis now have very unusual lilac colors.

At the request of the insured. It can be printed both in black and white and in color. There is no difference, except that the policy will look more presentable.

The CASCO insurance rules stipulate only 2 cases when it is not necessary to submit the vehicle for inspection to the insurance company. Firstly, this exception applies to new cars purchased on credit, since under such circumstances vehicle insurance is prerequisite. And also in cases where the vehicle was insured even before its actual use.

The beginning of the operation of the car, according to most insurers, is the departure of the vehicle outside the territory of the car dealership. Thus, after you get behind the wheel and drive a couple of tens of meters, the car already loses its “new” status.

Secondly, those clients who renew the insurance have the opportunity to conclude a CASCO agreement without an inspection. But even here there are nuances. Only those policyholders who have not applied for payment to the insurance company during the year can do this.

Each insurance company has certain requirements for the inspected car. Basically, they are the same for all vehicles and are as follows:

The owner of the vehicle or his authorized representative must have the originals of the TCP and STS. These documents are required to verify all VIN numbers, body, engine and frame.
Passed diagnostic card. This paragraph implies certain nuances. The DC must be valid at the time of termination of the insurance contract. Since if an accident occurs, and the validity period expires, the insurance company may refuse to compensate you for the damage.
The presence of all original keys and key fobs of the immobilizer (alarm). If this clause is not observed, then problems may arise when registering a loss at the risk of theft.
Bringing the car in for inspection in a clean condition, as dirt can hide some minor damage and you will eventually be denied payment. If this rule is not met due to weather conditions, the insurance agent may ask you to provide the vehicle for inspection again. One way to solve this problem is exit pre-insurance inspection when an employee of the insurer can come, for example, to a car wash. But not every company can provide you with such a service.
Inspection only during the day or in a room with good lighting. At night and in the evening, photography and inspection of the vehicle is strictly prohibited. Since this can be a problem during the winter months, many insurance companies have their own boxes for pre-insurance inspection.

When concluding a CASCO agreement, it is worth considering that failure to comply with any of these requirements may result in a refusal to pay insurance compensation for a loss-making case.

In some situations, insurance companies do not conduct a pre-insurance inspection. At the same time, car owners conclude a hull insurance agreement without providing a car for inspection.

Firstly, such an indulgence applies to new cars purchased at a car dealership and insured before the start of actual operation.

The fact of the start of operation, as a rule, is the moment of departure of a new car from the territory of the car dealership. As soon as you leave the salon in a purchased car, your car ceases to be new. In any case, the majority of Casco insurers think so.

Secondly, a hull insurance contract without inspection can be issued by insurers prolonging (renegotiating for a new term) the previous contract, under which there were no accidents.

Insurance companies provide a lot of benefits to break-even customers and try to keep them. Cancellation of pre-insurance inspection is just one of such advantages.

When providing a car for inspection to the insurance company, the owner (or his legal representative) must comply with a number of requirements. Let's list the main ones.

Important! Please note that requirements may vary between companies. It is necessary to check with your insurer in advance what will be required for a successful inspection.

Provision of original documents - Title and registration certificates.

If everyone has a registration certificate, then very few people carry their TCP with them all the time. Both of these documents are needed in order to verify the main numbers - VIN, body number, engine number, frame number (for SUVs and trucks).

Providing a valid diagnostic card.

With regard to the validity of diagnostic cards, a number of insurance companies have introduced special clauses in the insurance rules. The fact is that at the time of the inspection, the card may be valid, and in the future, if an accident occurs, its validity period may expire.

An expired diagnostic card means that the vehicle is not approved for use on public roads due to its technical condition. And this, in turn, can serve as a good reason for refusing to pay compensation.

Providing all sets of original keys and key fobs from the alarm.

During the inspection, the specialist of the insurance company is obliged to make sure that the complete set of keys and key fobs is complete. This is an important point when insuring a car at the risk of "Theft".

Important! If the car owner has only one original key in his hands (for example, a car was brought to him from abroad in this form), then the insurer may refuse to insure against the Theft risk or add some restrictions to the contract.

The car is clean.

It would seem that the reasonable requirement of the insurer to show a clean car for inspection in certain seasons becomes an almost impossible mission. So during periods of snowfall, rain and just inclement weather, the car owner must manage to get to the place of inspection without dirtying the car.

Inspection certificates issued for even slightly splashed cars are often not accepted by insurance companies. And the car owner is forced to re-show the car.

The solution may be to invite an inspection expert to the car wash to conduct an inspection immediately after washing the car. True, not all companies provide the option of visiting an expert.

Showing the car for inspection during daylight hours.

According to the internal regulations of insurers, it is strictly forbidden to inspect and photograph a car on the street in the evening or at night. Even if you park under a lamp, it is still prohibited.

In summer, this is not a problem, because the daylight hours are quite long. But in winter, when twilight comes after 4 o'clock, difficulties may arise. The way out in this situation may be to agree on the place of inspection, for example, in a well-lit box of a familiar car service. By the way, some companies have their own inspection boxes.

The agent has no right to impose on the consumer any extra policies. Refusal to sell OSAGO for this reason is illegal. If the insured has provided the company with all the necessary documents, the manager is obliged to issue an OSAGO, even if the client refuses to buy additional insurance.

In order to protect citizens from imposed services, the Central Bank of the Russian Federation introduced a special term called the “cooling off period”. With the help of this provision of the law, a citizen who has been sold unnecessary insurance has the right to terminate it within 5 working days and receive the full cost back. The only condition for this is the absence of any insured events under the policy during the cooling period.

OSAGO is issued on the day of contacting the sales office. Usually citizens buy insurance immediately for a year. However, there are drivers who use the car for only a few months in the summer, and put it in the garage for the whole winter. Such people do not want to overpay for an annual policy.

What documents are needed

The list of papers that an insurance agent may require when issuing OSAGO is regulated by law. The insurer has no right to ask for any additional documents. And even more so, it cannot refuse to sell the policy if the car owner has in his hands the list specified in the Law:

Application (the form can be downloaded on the Internet and filled out in advance or received at the sales office and written on the spot);
Passport for ordinary citizens and an extract from the Unified State Register of Legal Entities - for legal entities;
STS or passport for the car;
The rights of the drivers who will drive the car;
Diagnostic card with a valid expiration date.

To apply for OSAGO, it is advisable to have with you the originals of all the above documents. The law provides for the possibility of presenting copies, but only if the insurance company has no objections. It is also allowed to transfer documents to the agent in electronic form, while the buyer of the policy is responsible for the accuracy of these papers.

By law, in order to purchase an electronic OSAGO policy on the website of an insurance company, you will need the following documents:

the passport,
vehicle registration certificate or vehicle passport,
driving licenses of all drivers who will be included in the policy,
valid diagnostic card.

This list of documents is enshrined in article 15 of the Law on OSAGO 40-FZ.

The previous OSAGO policy, if you have one, in most cases does not need to be presented. It can come in handy if you take out a policy in the same company where you insured last year. Then information about the policy number and full name of the insured will allow the company to retrieve all your data from the database and automatically enter it into the insurance application. That will save at least 30 minutes of your time.

Vehicle information form on the website of the Yugoria insurance company

Although it is strongly recommended on the websites of individual insurers to attach scanned copies of documents to the car, you are not required to do this.

In order for the company to be able to check the validity of your diagnostic card, it is enough for it to know the card number, its validity period and the VIN of the car.

The only situation when you need to send a file with a copy of the diagnostic card to the insurer is the “PCA test failed” error.

Many car owners are faced with the inability to buy and issue OSAGO. Insurance companies do not want to sell policies in certain regions due to greater losses.

All this leads to the fact that car owners cannot insure their liability and buy policies from their hands, which often turn out to be fake, or drive without insurance at all. The way out of this situation was the introduction of electronic OSAGO.

In order to buy and issue a policy in this way, you do not need to go to an insurance company, just go to its website and enter the necessary information. After payment, an OSAGO agreement, which is an official document, will be sent to your e-mail. With such a policy, you can drive a car, register it with the traffic police and not be afraid of a fake.

In this case, the date of the next technical inspection does not matter, the card must be valid on the day the policy is issued. Even if its term expires the next day, the insurance company cannot refuse to conclude a contract.

Often, insurance companies, in pursuit of profit, impose life insurance on buyers when applying for OSAGO. Agents cunningly force citizens to issue other insurance along with the policy. For example, accident or apartment insurance.

In this case, the car owner is not obliged to show the car at the sales office of the insurer. The agent must agree on the date and place of the examination.

The technical condition of the vehicle does not play a role in concluding a civil liability agreement and is not a basis for refusing to issue a policy. The insurer simply fixes visible damage by drawing up an appropriate act.

An insurance agent may make a mistake when issuing a policy, so citizens are advised to carefully check all the information specified in OSAGO before paying. It is necessary to debug the correctness of filling in such data as:

Surname, name and patronymic of the insured;
Machine name;
Registration number;
body number;
term of insurance;
Driver details.

In some cases, it is allowed to make changes directly to the old policy form. In this case, all signatures and amendments must be certified by the seal of the insurer, otherwise they are considered invalid.

Currently, there are a lot of problems faced by drivers who intend to purchase an OSAGO insurance policy:

Lack of OSAGO forms;
Incorrect application of the bonus-malus coefficient;
Imposition of additional insurance products;
Huge queues at the sales offices.

The supervisory authority will send a request to the insurer and conduct an audit. If, as a result of the investigation, violations are revealed, the company that created the problem with the registration of OSAGO will be fined.

The complainant will receive a written response with the results of the work done.

Before contacting a special station for a technical inspection, many drivers ask themselves the question: “What package of documents do you need to prepare”?

According to Article 17 of the Federal Law "On Technical Inspection", each vehicle owner must provide:

Application for the conclusion of the contract in the prescribed form.
Certificate of state registration of a legal entity (for legal entities) or an identity document (for
individuals).
Documents for the car (passport, registration certificate, STS, technical coupon).
Certificates of drivers authorized to drive the vehicle (if it is prescribed in the OSAGO policy).
Diagnostic card, maintenance ticket or state technical inspection (according to the Federal Law of the Russian Federation No. 170 of January 1, 2012
of the year).

Of course, the cases are different. Some drivers cannot pass the technical inspection for one reason or another, but they are confident in the reliability of their car and their driving skills. Buying insurance without passing a vehicle inspection is illegal - but it might work as a temporary measure. There are at least four ways to do this.

Obtaining a diagnostic card without checking the machine. The most reliable way. Many service stations that are accredited and have the legal right to fill out diagnostic cards make money by issuing inspections without checking the car.
You will be issued an original document, information about it is entered into the EAISTO and easily passes all checks. As a result, you can buy real insurance in any company, even in Rosgosstrakh.
Purchase of OSAGO for fictitious MOT. Some firms go even further and write out a diagnostic card without seeing the car at all. It is enough to come to them with the documents for the car, pay for the service and get a valid inspection card in your hands. Just do not forget to check the database to see if your car has been entered into it.
If this was not done, you were deceived and the insurance is invalid. The disadvantages of the method include the fact that operators who practice fictitious inspection are at serious risk. Accordingly, it is not easy to find them, and the cost of their services will be 2-3 times higher than that of firms doing business honestly.
Buying OSAGO on the Internet. It is enough to type this sentence in any search engine - and it will return more than a dozen sites of organizations offering this service.
Purchase of OSAGO without presenting a diagnostic card. Many firms will issue you a perfectly legal policy without even asking for an inspection.

1. For individuals

The procedure for obtaining insurance without a host

According to the OSAGO Law, an agreement can be concluded for at least one year. But the policy may describe a special condition, which is called the period of seasonal use.

So, if the car is operated infrequently, you can save on the cost of OSAGO. For example, when applying for OSAGO, you can limit the insurance period to 3 months and pay 50% of the cost of the annual policy.

The policy will be concluded for a year, but it is allowed to drive a car only in the designated months. The policyholder can choose any period starting from 3 months.

It is even possible to provide for two periods of time within the framework of one contract.

Having concluded an OSAGO agreement with a time limit on the operation of the car, the car owner can always extend this period by proportionally paying the insurance premium. Please note that in order to increase the period of use of the car, you need to write a written request to the insurance company. At the same time, it is necessary to declare your intention on the day when the period of operation of the machine is allowed.

Every car driver must make sure that the car has:

first aid kit;
fire extinguisher;
new warning triangle.

At the same time, it is necessary to check that the first-aid kit and fire extinguisher have not expired. Otherwise, the specialist will not be able to issue a diagnostic card.

Inspection procedure:

The first thing that every vehicle owner needs to do is contact an accredited technical inspection station and provide a complete package of documents. Please note that the car is provided for inspection only in its pure form.
If all the documents are in order, then the technical inspection station specialist offers to pay. For the convenience of drivers, you can make a payment both at the technical inspection station itself, and request details for transfer through a bank. In the first case, the motorist can pay through a special terminal, which is installed on the territory of the technical inspection point. Upon payment, a receipt will be provided. If the owner of the vehicle needs to pay with a bank card or personally at the office of any bank, you need to get the details. In this case, you will need to provide payment order, which will indicate:
- surname, name and patronymic of the owner;
- make and model of the vehicle;
- name of the payment, namely - payment for the technical inspection of the vehicle;
- amount of state duty paid.

Station experts will be able to start checking only after they receive a check for payment for mandatory services.

The first thing the expert will do is make a visual inspection for the presence and absence of damage, check the first aid kit and fire extinguisher. After that, the conformity of the state registration plate and identification number will be checked. This check usually takes no more than 10 minutes.

In practice, if the driver comes for an inspection with an expired first aid kit or fire extinguisher, the specialist may refuse to conduct a technical inspection or offer to purchase new ones from them at the station.

Next, the specialist will begin to check the technical condition of the vehicle. The law checks:
- locks on doors;
- standards for technical fluids of the machine;
- brake system;
- lighting devices;
- suspension and steering play;
- emission levels.

It must be taken into account that the owner of the machine can be present at the inspection of the machine and receive all explanations related to the detection of malfunctions upon request.

At the same time, one should remember the need for good lighting of the inspection site. In addition, the chosen room must be spacious, otherwise the manager of the insurance company will not be able to photograph the car from different angles.

The Central Bank of Russia sets the maximum and minimum tariff for OSAGO.

The cost of a new OSAGO policy consists of the base rate and individual coefficients. (According to the Instruction of the Bank of the Russian Federation No. 3384-U dated September 19, 2014, as amended on March 20, 2015) a tariff corridor is established, that is, the minimum and maximum values of the base OSAGO rate.

Each insurance company determines its cost of an OSAGO policy within the limits set by the Central Bank of Russia.

The cost of insurance will depend on the following parameters.

car power

For large and metropolitan cities, the OSAGO policy will cost more. After all, using a car in such a metropolis as Moscow, you are at greater risk of getting into an accident than on a village road. Therefore, in the capital of Russia, regional k = 2.0, and for the Moscow region - already 1.7.

Increase driver experience

The state encourages careful drivers: with careful operation of the vehicle, there is an advantageous system of discounts - 5% for each year of accident-free driving. The maximum discount cannot exceed 50% for 10 years.

Number of drivers allowed to drive

The price of the policy depends on the number of drivers indicated in it. For an unlimited list of entered drivers, the coefficient k=1.8 is applied. If the list is limited, then all drivers allowed to drive the car must be indicated in the OSAGO policy. For a limited list of drivers, k=1 is used.

Please note that under the OSAGO contract your life is not insured. Just for you, we have developed an accident insurance product - "Additional Protection". More details can be found here.

The electronic OSAGO policy is issued on the website of the insurance company. It is best to access these sites from a single registry published on the autoins.ru site: there links lead directly to the necessary sections of the insurers' sites.

If you have e-OSAGO, but you have not printed out and do not carry a policy with you, then in order to file an accident, you will need access to your personal account on the website of the insurance company. Make sure you always have a smartphone or tablet with Internet access at hand.

After you have issued and paid for the e-OSAGO policy, it is recommended to check its validity against the PCA database.

To check, go to the page of the service for viewing information about the OSAGO agreement. Enter the vehicle VIN and registration number. The result of a successful check is a report containing the policy number and company name.

You most likely will not be able to return the money for a fake policy. Write an application to the PCA with all the details of issuing a fake policy. At the very least, this will help block the scam site and save other motorists money.

And remember that you cannot drive with a fake policy. Therefore, first of all, issue a real OSAGO policy.

Remember

e-OSAGO is required to issue all insurance companies licensed for compulsory civil liability insurance.
To issue an electronic policy, a motorist needs to register in personal account on the website of the insurer and fill out an application for insurance.
You can pay for e-OSAGO with a bank card on the website of the insurance company.
The electronic policy must be printed and carried with you.
Check the authenticity of the site through the list on autoins.ru, and the authenticity of the policy - in the PCA service for checking information about the OSAGO agreement.

But the law spells out two options in which OSAGO insurance can be formally issued on vehicle, which does not have an updated transport card.

According to 170 FZ, OSAGO can be issued without presenting a TO for up to 20 days in the following cases:

If you do not have the documents required to issue a diagnostic card. Recall that under the current legislation there are exactly three such documents - a passport of a citizen of the Russian Federation, a service station and a title. For vehicles with foreign registration, a Green Card is also required.
If you need to get to the inspection site. Now you can legally do this in your own car without having to bring it to the service station with a tow truck.

Apply for a policy online without inspection.
Choose another company that will be more loyal to customers.
File a complaint with the regulator (Bank of Russia) or go to court.

Who conducts the pre-insurance inspection for Casco?

A good car is an expensive pleasure. And to ensure its safety is the first task of the owner. The main method of protecting a car is to issue a CASCO policy. After that, the insurance company will be responsible for the integrity of the vehicle.

Moreover, compensation for damage is usually calculated not in small amounts. Based on statistical data, payments for losses related to minor damage to a car amount to about 50,000 rubles. But the theft or complete loss of the vehicle is covered depending on the market price of the car.

Therefore, the inspection of the car at the conclusion of the CASCO agreement is carried out without fail by authorized specialists of the Insurance Company. All the nuances of the pre-insurance inspection are prescribed in the CASCO insurance rules, which are drawn up by each company individually. It is the responsibility of each insured to provide your car for inspection.

When performing a pre-insurance inspection, an insurance representative pursues several goals at once:

Make sure that the vehicle matches the description given by the insured.
Reconciliation of the VIN and body number of the car with the numbers indicated in the TCP.
Checking the completeness of the car.
Fixing existing damage.
Photographing a car.
Reconciliation of the value declared by the insured with the market price of the vehicle.

After a successful inspection of the vehicle, an act is drawn up on its technical serviceability, to which the photos taken are attached, and the exact cost of the CASCO policy is calculated. These documents, together with a copy of the CASCO policy, application, PTS and STS, form an insurance file and are stored in the archives of the insurer's company.

Can I opt out of pre-insurance inspection? This is the question some insurers ask. Of course, providing your car for inspection to the insurance company is a voluntary matter. And no one can force you. Only such a decision can have its consequences.

The most relevant of these is the refusal of the insurance company to cooperate with you. It is impossible to issue a CASCO policy without an inspection. This rule is written in the job description for each insurance agent.

But there are cases when a CASCO policy is issued even before the pre-insurance inspection was carried out, the features of such an agreement are as follows:

The section of the policy "Special Marks" states that the contract begins to operate from the moment the client passes the pre-insurance inspection.
Or an unconditional deductible of 99% is established for the risks of damage and theft.

It is also quite common in a situation where the client refuses to conduct an inspection, reducing the number of insured events, upon the occurrence of which the insured is compensated for damage. Or the amount of the payment is reduced as a percentage by the amount of the established deductible.

But the request of an insurance agent to provide a car for inspection is a guarantee of the company's reliability. After all, if the insurer agrees to conclude a CASCO agreement with you without carrying out such a procedure, you should think about refusing this offer. Since when it occurs insured event, you may not receive the expected compensation.

Specially trained and authorized to conduct pre-insurance inspection specialists or authorized representatives have this right. insurance company. This is usually the responsibility of the Claims Officers.

But now insurers often enter into partnership agreements with insurance companies. independent expertise. This is done so that at the time of registration of the insured event, there are no questions about the quality of the pre-insurance inspection on both sides that have entered into a CASCO agreement.

Previously, each insurance agent and customer service manager was entitled to inspect the vehicle. But due to the fact that these people are financially interested in obtaining a policy and can give some concessions to the owner of the vehicle, they were deprived of this opportunity.

For any person uninitiated in the intricacies of the insurance business, especially for the future insured, it will be interesting how a pre-insurance inspection is carried out. After all, it will depend on the quality of the service provided to you by an employee of the insurer whether you receive compensation for the loss.

Since even the slightest omission during the inspection of the vehicle may result in a refusal to pay damages. What actions must be taken by an authorized representative of the insurance company?

He must carry out a mandatory reconciliation of the state number of the vehicle and all numbers affixed by the vehicle manufacturer (VIN, body, chassis, frame) with the original documents - PTS and STS.
Check the compliance of the mileage data indicated by the insured with its value on the speedometer.
Indicate in the inspection report the features of the vehicle configuration.
Make sure you have the recommended anti-theft systems.
Record in the inspection report the standard and additionally installed devices and devices accepted for insurance.
Carry out an internal and external inspection of the vehicle and make sure that there is no damage of any kind. Otherwise, for example, when concluding a CASCO insurance contract for a used car, register all detected defects.
Fill act of pre-insurance inspection.
Take at least 8 photos of the vehicle. Shooting is advised to be carried out from four angles so that two sides of the vehicle can be seen in the photo. In addition, a photo of the speedometer, brand and size of tires and wheels, interior trim and a plate with the VIN number should be attached to the inspection report.

The natural completion of the pre-insurance inspection of the vehicle is the signing of the act. This is done by both parties involved in the transaction - an employee of the insurance company authorized to conduct an inspection and the insured himself.

Moreover, the client must be provided with a copy of the certificate of inspection of the vehicle, certified by the seal of the insurance company. This helps to eliminate any contradictions at the time of registration of a loss-making case.

Of course, conducting a pre-insurance inspection is not a compulsory measure. The car owner can refuse it. However, there are consequences for such a refusal.

The main consequence of the refusal to provide the car for inspection may be the refusal to conclude a hull insurance contract. A number of insurance companies categorically prohibit their representatives from issuing Casco policies without an inspection.

In the event that the insurance agent and the owner of the car still decide to agree and insure the car without inspection, the companies have introduced special clauses into the policies.

"The contract is considered invalid until the pre-insurance inspection of the insurance object is carried out by an authorized employee of the insurance company."

“Until the time of the pre-insurance inspection of the car for the risks “Damage” and “Theft”, an unconditional deductible in the amount of 99% of the insured value is valid.”

Another common consequence of refusing to inspect may be the introduction of significant restrictions on insurance risks into the hull insurance contract.

This may be a reduction in the list of insured events covered by the insurance contract. Or the introduction of various franchises for the risks of "Damage" or "Theft".

By the way, the requirement of the insurance company for a mandatory pre-insurance inspection of the car is an indirect confirmation of the reliability of the insurer. In the event that the company agrees to issue a hull insurance policy without inspection (we are talking about insurance of non-new cars), the car owner should be alerted - “will this company pay for possible losses in the future?”.

Inspection of the car at the conclusion of the Casco contract can be carried out by specially authorized employees of the insurance company or its representatives.

As a rule, inspections are carried out by specialists of the claims settlement departments. Or independent experts who have received a power of attorney from the insurer to conduct inspections.

In the recent past, the practice of conducting inspections by employees of the selling divisions and insurance agents was widely used. That is, the employee wrote out a comprehensive insurance policy, accepted payment from the client, and inspected the car.

The result of the pre-insurance inspection is the Inspection Certificate. It is signed by the owner of the car and the employee of the insurance company who conducted the inspection.

In most cases, the insurance company does not provide its customers with a copy of the inspection report.

However, it is recommended to be persistent and request a copy of the act, certified by signature and seal. This will allow in the future to negotiate more reasonably with the insurance company in the event of insured events and to avoid discrepancies in the configuration of the car and the damage identified during the inspection.

What risks can be insured under the Casco policy?

Is it possible to insure a car only against theft?

What should I do if my car is damaged during inspection?

You can see OSAGO, how it looks in 2018, on the website of your insurance company. The main difference from the previous versions is the increased color protection. The policy has more than 12 color shades and several graphic patterns.

As with any official document that can be forged, watermarks are used to protect the paper policy. They do not interfere with reading the document, as well as filling it out. When you point the document to the light, you can see the features of the machine, as well as the PCA inscription, which is located on both edges.

Since 2017, a metallized thread has been added to the policy, with the help of which the “policy” is written. There is also a QR code, which will appear on new-style policies from 2018. This is a quick response code, with the help of which, having access to modern technologies, a motorist can find out all the data about an insurance company.

Do I need to provide a car when applying for insurance?

Current Russian legislation prohibits driving a vehicle without third party liability insurance. This measure helps to protect the interests of the parties in an accident.

The owner of the vehicle and the persons who actually control it should remember that according to Federal Law No. 40, the requirements for vehicle insurance are a prerequisite for everyone. For driving a car for which the OSAGO policy is not issued or expired, the driver will be fined.

an act is drawn up in which the identified defects are listed;
photographs are taken.

If an agreement has not been reached between the parties on the place of inspection of the car, then the insurer has no right to refuse to conclude an OSAGO agreement.

The place of inspection of the car when buying OSAGO is established by agreement of the parties. This could be a location near the insurer's office or the client's home or office. The machine is checked during daylight hours or in a well-lit room.

In the case when OSAGO is bought via the Internet, the inspection, of course, is not carried out.

In the event that the client agreed to the examination, but does not agree with the content of the expert's act, he may not sign it and ask to conduct the examination again (Article 18 of the Federal Law-170) with the participation of another specialist. The signed act means that you fully agree with its content.

If the law gives a positive answer to the question of whether it is possible to insure a car without an owner, a car enthusiast who is allowed to drive should know how to do this.

1. Is it necessary to insure life

Many motorists are wondering if it is possible to issue a policy compulsory insurance auto liability without life insurance? This is due to the fact that many policy companies impose a number of additional services.

This situation is not new, and such coercion is contrary to a number of legislative acts, among which is the Constitution. Unfortunately, not every car owner is able to defend their rights.

It is quite easy to explain this - since the insurance has ended, then for the duration of the proceedings you will have to take public transport, and many drivers cannot afford this. Such reasoning of motorists, of course, plays into the hands of employees of insurance companies, who can sell more of their services.

In addition to compulsory life insurance, insurers often impose other related services on their clients:

Property insurance against theft, fire, flood and a number of other unforeseen circumstances.
Passing a technical inspection only at a specific service station and so on.

Every driver must understand that insurance companies do not have the right to force vehicle owners to conclude additional contracts.

Not so long ago, a number of changes were made to the legislation relating to compulsory motor insurance.

As a result, the following amendments came into effect:

A driver involved in a traffic accident is now deprived of the right to apply to any insurance company - he will have to use the services of the company where he concluded the contract auto insurance.
The payment limits for drivers who drew up a report without the participation of the traffic police or the involvement of insurers were seriously increased. However, such protocols must be submitted a maximum of five days after the accident.
The list of banks where insurance companies can store their funds has been specified.
Now insurance companies must pay a serious fine (about 50,000 rubles) if the fact of imposing services is revealed.

2. Is it necessary to have a technical inspection

After passing a technical inspection, a so-called diagnostic card is issued to the car. An OSAGO insurance policy must be issued with the obligatory presence of such a document. Many companies offer to issue such a policy without this document.

According to the current laws, it is not necessary to undergo a technical inspection if you already have an OSAGO policy on hand, since traffic police are now deprived of the right to demand a diagnostic card from the driver.

However, liability may arise in the event that an accident occurs due to a malfunction of the vehicle. If such a situation arises, then insurance representatives may require a similar document to be presented. In its absence, the contract will be terminated.

3. Do I need an owner when registering

In principle, as mentioned above, the presence of the owner when applying for a compulsory car insurance policy is useless. The main thing is that an appropriate power of attorney be issued in the name of the insured and the passport of the owner of the car, as well as a photocopy of the driver's license, be provided to the insurance company.

4. Do I need a diagnostic card

If there is no diagnostic card on hand, then the insurance company has the right to issue only a transit policy, which will be valid for only 20 days. Key Function this document is motorist liability insurance when he transports the car to the place of technical inspection.

Without a diagnostic card, no insurance company will conclude an appropriate contract, since such actions threaten very serious fines for the enterprise itself. In addition, it makes no sense to purchase a policy of this kind for the car owner himself, since without a diagnostic card in the event of an accident, the insurance contract will be immediately terminated.

Until July 2015, when the amendments to the Law “On Compulsory Motor Third Party Liability Insurance” came into force regarding the introduction of the possibility of remote purchase of a policy, there was a rule on the right of an insurance company to inspect a car. At the same time, paragraph 1.

Thus, if the insurance company decided to inspect the car, i.e. to exercise his legal right to establish the actual condition of the vehicle, the insured did not have the opportunity to refuse such a condition when issuing an OSAGO policy.

In practice, this led to abuses on the part of insurance companies, which, under the pretext of the need to conduct an inspection before concluding an OSAGO policy, determined the possibility of avoiding it by purchasing additional services.

A citizen who applied for OSAGO insurance could only influence the choice of the place of inspection, but not the right of the company to conduct it. This circumstance created uncertainty and gave rise to complaints from car owners, while in most cases the insurance companies did not actually need to conduct an inspection.

With the introduction of new rules for issuing an OSAGO policy, including in terms of conducting a pre-insurance inspection of a vehicle, one of the grounds for refusing to conclude an insurance contract has disappeared from insurance companies.

apply to another insurance company that does not make the issuance of a policy dependent on passing an examination;

file a reasoned complaint against the actions of the insurer.

Diagnostic card from the insurance company

Currently, insurance companies monitor the obligation of drivers to undergo a technical inspection of cars. For this, when making insurance policy OSAGO agent without fail will demand to show him a valid diagnostic card. Without this, the sale of the insurance contract is impossible.

Some drivers do not follow the expiration date of the technical inspection and renew the card only before buying a policy. This is wrong and has serious consequences. The absence of a valid diagnostic card from the perpetrator at the time of the accident is a reason for recourse.

This means that the insurance company will pay for the repair of the victim's car, but subsequently recover the amount of the payment from the violator. To avoid such unpleasant consequences, it is necessary to renew the inspection on time, regardless of the date of the end of the OSAGO.

While a number of companies are ready to provide a ready-made technical inspection, other companies simply provide an inspection contract and only accept payment for the state fee. An agreement is issued for a specific station with which the insurance company has signed an agreement.

According to the issued agreement, the motorist immediately after registration of OSAGO must go to the technical inspection point, at the specified address and provide the car for inspection. But having received the long-awaited OSAGO form, not everyone is ready to go to the station after.

KBM class

When calculating the amount of the premium when issuing OSAGO, insurance companies apply a special formula, substituting various multipliers into it. One of them is the CBM coefficient.

The so-called bonus malus is a very important indicator for drivers. With it, you can get both a significant discount when buying an insurance policy, and its significant rise in price. The car owner, when applying for OSAGO for the first time, receives the third class of insurance, which corresponds to KBM coefficient equal to one. Thus, the multiplier does not affect the price of the policy in any way.

Each year the driver goes without an accident, reduces the coefficient by 0.05, giving a discount on the purchase of the policy equal to 5%. So, after 10 accident-free driving, the discount on OSAGO will be as much as 50%. In this case, only those collisions are taken into account where the insured was the culprit.

Power of attorney for OSAGO registration

All actions within the framework of registration of OSAGO insurance: buying a policy, making changes to the terms of the contract, submitting an application for payment - can only be performed by the owner of the car, who is the beneficiary.

A power of attorney is issued for a fee, the average price of a document is 1 thousand rubles. Having such a document, the principal will be able to perform any actions on behalf of the car owner: buy, terminate the policy, enter other drivers, apply for payment, and so on.

Are there legal ways?

But there is also a legal way to get the coveted policy without going through MOT. The loophole is in the law itself. In 2016, amendments were made to Federal Law No. 170, which exempt cars newer than three years from the need to undergo technical inspection.

It is important to know that the time is not considered from the date of purchase, but from the date of manufacture of the machine, and is calculated in years. That is, in 2017 you do not need to pass inspection if your car was produced in 2015, 2016 and 2017. The issue date is the one specified in the PTS. This nuance is spelled out in Article 15 of the Federal Law No. 170.

Benefits for insurance

Making an OSAGO policy costs a lot even for ordinary citizens, not to mention the vulnerable segments of the population. In order to support certain categories of insurers, the legislation provided for them benefits for the purchase of OSAGO. It's about the disabled.

For such persons, the State provides guarantees in the form of payment of 50% of the cost of the insurance policy. The group of disability does not play a role in this. The discount is provided when insuring cars owned by disabled people, or persons who have such a person in care. Two more people will be able to drive the car in addition to the owner.

The benefit is provided not by the insurance company, but by local governments. This means that when buying OSAGO, you will need to pay its full cost. Next, you need to contact the department of social protection to receive compensation. You need to have documents with you:

OSAGO insurance policy and a receipt for its payment;
Certificate of disability;
Passport;
Statement.

Do I need a car when applying for OSAGO?

In most cases, a car is not required to conclude an OSAGO insurance contract. However, the legislation gives the insurance company the opportunity to carry out a pre-insurance inspection of the car when selling OSAGO.

In this case, the car owner is not obliged to show the car at the sales office of the insurer. The agent must agree on the date and place of the examination. If the parties do not come to an agreement or the policy is issued via the Internet, insurance is made without inspecting the vehicle.

Error when issuing an OSAGO policy

If the defect was noticed already at home, you must contact the insurance company to make changes to the form. The defect is eliminated by concluding an additional agreement to the insurance contract.

Possible problems with registration of OSAGO

OSAGO is a social type of insurance. Without auto insurance, drivers cannot operate their vehicles. That is why the state protects citizens in case of violation of their rights by insurers.

Complaints can be filed without leaving home. It is enough to go to the website of the above organizations and make an appeal, attaching supporting documents. The supervisory authority will send a request to the insurer and conduct an audit.