How to protect yourself from buying a fake CTP policy

An unpleasant nuance is associated with the growth in the number of cars on the roads of the country: the more "fresh" drivers get behind the wheel, the more there are those who try to get on them. In this case, we will talk about the eternal headache of all motorists - the purchase of an OSAGO policy.

Yes, every driver on the territory of the Russian Federation when buying a car is obliged to issue a new CTP policy for it. And all would be fine, only the prices for insurance are growing and forcing motorists to clutch their heads when the next year of insurance comes. This is especially true for young drivers, whose experience is less than three years - for them the CTP policy will become especially expensive. And against this background, there are those who is in a hurry to "make life easier" for them, offering to purchase the same CTP policy with significant savings.

How does the demand for counterfeit OSAGO policies appear?

Calling a huge number of insurance agents and brokers, the driver feels hopeless, since everyone calls the amount from 15 to 20 thousand rubles. Already desperate and having agreed to borrow several thousand from friends, the driver decides to look into the "insurance tent" next to the house (such, by the way, are becoming more and more lately). And here's luck: the agent says that you can buy a policy from him with a significant discount on the New Year's promotion - for only 5 thousand rubles! How will the driver behave in this situation? Of course, he will hasten to give his money to the agent and in a few minutes will receive the coveted CMTPL form.

What risks await the driver when using a fake OSAGO policy

The minimum of undesirable consequences that a driver can expect is a fine of 800 rubles from the traffic police for using a vehicle without an OSAGO policy. Yes, a fake policy is equated to the absence of one: the inspector will break the insurance through the database in a matter of minutes and see that your form is not listed in it.

The maximum is a big nuisance in an accident, namely in the case when the culprit of the accident is the driver with such insurance. After all, we all know that the main advantage of OSAGO lies in the fact that even if you are to blame for the accident and rammed a brand new Mercedes in your Kia Rio, the insurance company will take on the responsibility of restoring the victim's car, though only in within 400 thousand rubles.

But what will happen if the originator of the accident has a form of the CTP policy that turns out to be fake? There will be very unpleasant consequences: the owner of the damaged car will personally issue an invoice to the lover of savings for the restoration of the car, because in this case, the provisions of the law Federal Law "On compulsory insurance of civil liability of vehicle owners" of 25.04.2002 N 40-FZ "On compulsory insurance of civil liability of owners vehicles”will not apply.

It turns out that the driver who saved 5-10 thousand rubles on the purchase of the MTPL policy will eventually have to bear financial losses, which cannot even be compared with the savings on the policy. Is the extra 5 thousand worth in the wallet of the financial well-being of the driver and his family?

How to protect yourself for a driver when applying for an OSAGO policy

1. Do not try to save a lot on buying a policy

As a former employee of an insurance company, I will tell you a secret: the cost of OSAGO is formed in accordance with the coefficients established by the Central Bank of the Russian Federation. And insurance companies have no right to deviate from these values: even employees do not have discounts on the purchase of MTPL. Therefore, the real cost of an MTPL policy for a specific car will be approximately the same for all insurers.

2. Buy a policy directly at the office of the insurance company

Yes, getting to the insurer's office is usually more difficult than contacting an insurance broker, however, compensation in this case will be complete confidence that you will not be handed a fake form. In addition, the largest insurance companies have long been running a service for issuing an OSAGO policy. It is no less convenient than contacting a broker, and certainly much more reliable.

3. If you nevertheless decide to contact an insurance agent or broker, choose a proven

It is best to give preference to insurance intermediaries that you have contacted in the past and who have not disappointed you. Or to brokers that your acquaintances have recommended to you. In this case, the chance to run into an unscrupulous agent will be close to zero.

If you nevertheless decide to start cooperation with a new insurance agent, make sure in advance of its reliability: read the reviews, and also make sure that this person is really an affiliated representative of the insurance company. Alternatively, you can call the call center of the organization, which the broker is supposedly a representative of, and see if this is really so.

4. Always check the CMTPL policy form in the PCA database

On the basis of the Russian Union of Auto Insurers (PCA), a special website has been created that allows you to get useful information about the policy form offered to you. By choosing a special tab on the site, you can enter your form number and make sure that it is valid and has not been used by anyone before. But if the system indicates that this CMTPL form is listed as stolen, lost, or is not listed at all in the database, run from such a broker as fast as you can.

5. Use the service for issuing an electronic MTPL policy (e-MTPL)

In the Russian Federation, the institute of electronic OSAGO has been operating for several years, which allows drivers to purchase a policy without leaving their homes. You can apply for e-OSAGO on the website of any of the largest insurers. Such a procedure will not take you much time, and at the same time you will be absolutely sure that the form issued to you is valid and one hundred percent legal. The cost of e-OSAGO will be exactly the same as the cost of a paper policy (and possibly a little cheaper - including shares).

By following these simple tips, you can be sure that the hard-earned money spent on OSAGO will not go to waste, and maybe even pay for itself in the future.