From July 1, 2016 Insurance companies started selling CMTPL policies of a new type. Documents not only changed in appearance, but also received enhanced protection against forgery.

What are the reasons for issuing new forms

The issuance of new forms will allow:

• withdraw counterfeit forms from circulation,
• reduce the likelihood of counterfeiting,
• will force policyholders to refuse to buy a fake and purchase a new type of OSAGO policy.

What are the benefits of replacing insurance policies

New OSAGO policies from July 1, 2016 will help:

• increase the level of protection and preservation of personal data of car owners and the vehicles themselves;
• stop fraudulent activities related to the manufacture and sale of counterfeit motor third party liability insurance policies by third parties posing as representatives of insurance companies;
• stop the uncontrolled distribution of unused old forms.

What has changed in the form

Consider what the new OSAGO policy looks like and how it differs from the old one:

• Document Color. The new form has changed color - it has become pink (previously it was green).
• Graphic design. CMTPL insurance policies of a new type for additional protection against counterfeiting received graphic drawings and a complex stretching of colors (from yellowish to lilac and pink hues).
• Text font. Now the letters and columns for filling have become larger and easier to read.
• Remedies. The form of the new OSAGO policy received a higher level of protection: a metallized strip with the inscription "policy", PCA logos, etc. The size of the old watermarks has changed.
• 2D QR code. It appeared at the top right of the form. With it, you can get information confirming the conclusion of the contract.

Do I need to urgently change my OSAGO policy to a new one?

If your previous policy did not expire before July 1, 2016, then you do not need to urgently purchase a new insurance policy. Old green forms are valid until the expiration of the auto insurance period specified in the contract.

New policies are mandatory issued after October 1, 2016. The process of registration remains the same. Car owners with electronic OSAGO policies will not be affected by the innovations at all.

You can buy a new OSAGO policy at the nearest AlfaStrakhovanie office in Moscow or another city. For more information, contact a company consultant.

Hi all! Ilya Kulik is in touch, and today I will tell you about how it looks electronic policy OSAGO.

For more than a year, Russians have been able to purchase CMTPL electronic policies online from a number of major insurers, such as Rosgosstrakh, Uralsib, Alfastrakhovanie, VSK, Reso, and other insurance business players that have the technical capabilities for such trading in the correct mode.

In the future, perhaps, the so-called. Online e-insurance has every chance of almost completely replacing traditional paper documents from circulation. But today this is still far away. Not all drivers, despite the past considerable time, are aware of the very existence of electronic policies, not to mention the presentation of their proper form.

Moreover, not even all traffic police inspectors, especially from the outback, are employees who are enlightened on this issue, issuing unreasonable fines and creating unnecessary problems for themselves and drivers.

Therefore, there is a need for this article, which will dot the “i” in terms of the appearance of the e-policy and its definition as an eligible document.

The digital age raises questions

Before proceeding to the description of the policy, I will focus on one important point which needs to be explained in detail first.

The fact is that for many motorists, as well as for a significant part of traffic police inspectors, the status of an e-car citizen is not entirely clear, namely its actual belonging to legally competent documentation.

Indeed, the digital age is entering all spheres of people's lives with such rapid speed that not everyone has time to form a serious attitude to its fruits.

Not everyone is mentally ready for e-OSAGO policies to accept their documentary usefulness, and many have a quite reasonable question: is there a boy, speaking in the manner of a well-known aphorism.

In what form exactly should an e-policy exist as a tangible and legal document? In the form of just an "electronic card" or in the form of a tandem with a paper carrier? And which of them is more important, and is it a document at all?

Classic DPS claim under e-policy during the transition period

Since October 1, 2015, after the full implementation of electronic OSAGO (since July 1, only an extension was available), there have been many cases of illegal traffic police fines for motorists on the roads on the basis of their lack of a proper motor vehicle policy.

And the main claim that the road guards made when the driver presented the e-OSAGO printout from the home printer was something like the following:

- What are you doing to me, citizen, your linden fuss? Are you generally in a sober state that you allow yourself to show a photocopy of it to the inspector instead of the OSAGO policy ?!

That's it, despite the comical nature of such a message, there is a rational grain of logic here: the driver really shows the policeman some kind of black-and-white "copier", without live signatures and seals, and brazenly announces that he is fully competent, because although purchased at home, from a laptop, but in a decent company and for decent money.

Electronic policy as a valid e-document

But the truth is that this printout really does not have any eligibility, because it is just a printout and is a mirroring of a real document, which, in turn, does not exist on our physical plane with you in the usual office tangible form.

That is, a photocopy, as a “document”, when compared, has a greater “significance”, because it assumes the presence of a physical document, and in our case, the e-policy cannot even boast of this.

Conclusion: CMTPL e-policy provides for complete virtuality

The conclusion to be drawn from this section is as follows:

• Duplicate policy on a full-fledged paper form-carrier, e-insurance is not mandatory.
• printout An electronic policy itself does not have independent legal significance, since it is impossible to determine the validity of insurance without involving databases from the network.
• Appearance of an electronic policy does not play a significant role, even if it is a “real” virtual document, since only the information in the databases and its reliability are important.

I would also add that it is nominally possible to do without any document-like external form of the information contained in the databases - it is most convenient to store it in simple tables, but taking into account the peculiarities of human perception, so far you can see a paper-like policy on the monitor screen.

Also, for a better understanding of the essence, I will give a very vivid analogy with money: there is paper money and for their “wrong printout” they can easily be put in jail, and there is electronic money that is already familiar to everyone, which does not even have a sham appearance, but nevertheless however, they are equal in value to paper ones.

However, despite all of the above, the e-polis still has an appearance and it will be useful for you to know it “in person”, so I will describe this virtual document point by point, as I did in .

What does an electronic OSAGO policy look like?

In the photo below, you can see what a completed OSAGO e-policy looks like. Its important difference from paper is that it does not and should not have any obvious or hidden visual security elements - they are completely unnecessary here, because here it is not the image on the screen or on the printout that needs protection, but the contents of information databases .

In the articles describing the electronic policy, this is said like this: “there is no usual protective micro-pattern, but it is just as green ...”. You should not pay attention to this at all - the micro-pattern and other security markers visible through the screen and reflected on the printout can be easily imitated.

But the people are slowly accustomed to a new informational perception, so the policy looks like just a green-looking document. Moreover, the new paper policies are no longer green, but of a complex iridescent-lilac color, which was introduced this year to combat counterfeiting and.

Electronic ones don’t care what color they will be: it’s not at all necessary to print it on a color printer - an ordinary black and white one will fit perfectly, because only information, and not color or even the structure of the document, has some significance there. In principle, you can even copy everything that is on the monitor by hand on paper - the result is the same.

Below is the structure of each block of the policy separately.

Document Header: Bullets 1 and 2

Here there is the main visual difference of the e-policy - it is called: "Electronic insurance policy".

There is also a difference in the serial number: instead of CCC or EEE, XXX is listed here. But this alphanumeric identifier itself is the most important information, even more than in paper - it is on it that, first of all, cars determine the ownership of insurance.

This is where one of the main benefits of electronic insurance lies - as experts say, the probability of a client receiving an electronic clone (with the same serial number) is zero, since similar machines will be immediately detected.

Term and periods of insurance: markers 3 and 4

Everything is standard here: the car is insured for a year, with the exception of temporary policies. Also with the periods of use - the corresponding dates are written, just like in the paper version.

Policyholder and owner: markers 5 and 6

I think you know who the insured and the owner are - the insured insures the car with an insurance company (with the insurer), and the owner uses insurance and this is not necessarily the same person. Therefore, the fields for each are separate.

Data of vehicles and drivers with access to its management: markers 7 and 8

Here are the basic information about the car: model / brand, VIN code or body number, license plate, as well as the series / number of the vehicle passport (PTS) and the purpose of operation.

The block below lists the persons authorized to drive the machine, indicating their full name and series/number driving license(VU).

Immediately after these blocks are the usual general information items that you still need to read - they can change.

Policy Value and Special Marks: Markers 9 and 10

The next two blocks show the cost of the policy (insurance premium) and special notes. The latter are also important, because in e-insurance, this is where the place of purchase of insurance (website address) and the number of the paid online order are usually prescribed.

Dates, signature and seal: markers 11 to 13

As on a paper policy, there are two dates below: the date of conclusion of the contract and the date of issue of the policy (usually they coincide).

The surname and initials of the insurance specialist - the representative of the insurer, with his signature and the seal of the insurance company are also spelled out.

Here it is necessary to clarify that both the seal and the signature, no matter how beautiful they look, but this is just a facsimile. What is a facsimile? This is an exact copy of any graphic original: literally, this term means “do the same”, translated from Latin. That is, the same as the signatures on banknotes, for example. Their corresponding significance is purely introductory.

But there is an important difference at the bottom of the e-policy - the absence of a personal signature of the client (insured). In place of the signature there is only the inscription "Insurant" and there is not even a facsimile imitation.

According to the rules of electronic insurance, the client's signature is replaced by the buyer's authorization in his account, where he provides all his data. Yes, this is all somewhat strange, but without a live signature, an e-document is considered effective, but a paper one is not, of course.

What to present to traffic police inspectors and what problems may arise

Now about the main thing: how does the driver need to prove that he has paid in good faith for OSAGO and its printout is really a reflection of a real-life online contract, and not a work in Photoshop.
To date, according to clause 2.1.1 (paragraph 6) of the SDA, as well as clause 1 of Art. 32 FZ No. 40, driver of the vehicle:
«… is obliged to have with him an OSAGO policy or information printed on paper on the conclusion of an OSAGO in the form of an electronic document…»

How can your electronic policy be checked by an inspector

According to the job description, the traffic police inspector, having received information from you that you have an electronic motor vehicle citizen, is obliged to verify the details provided (serial number of the policy, state number of the vehicle, VIN code or body number) with the database available to him.

What are these bases? There are two of them at the disposal of the traffic police: the special service IMTS of the Ministry of Internal Affairs of the Russian Federation and the public base of the RSA (Russian Union of Insurers) already familiar to you. For verification, traffic police units must have the appropriate equipment - tablets or netbooks that have access to the network.

That is, in fact, the inspector only needs the network, your machine data and a computer device to check. He doesn't need a driver. But, according to the above provisions of the regulations, the inspector has the right to require the driver to provide a paper printout of the e-OSAGO.

Although it may not require this, since there are additionally intra-departmental circulars sent to all services of the State traffic inspectorate and recommending traffic police officers to check e-policies without requiring paper printouts. This is a letter of explanation of the Main Directorate of the Ministry of Internal Affairs No. 13/12-u-4440 (dated 07/03/2015) and an order to the GUOBDD of the Ministry of Internal Affairs of the Deputy Chairman of the Government of the Russian Federation I. Shuvalov No. 13/12-u-6112 (dated 09/04/2015).

That is, for now, the issue of providing / not providing a printout of the policy is being resolved on the spot - at the discretion of the traffic police officer, taking into account the available hardware verification capability or without. Accordingly, if there is no e-OSAGO printout in the car, this can be framed as a violation.

What to do in case of problems with traffic police on e-OSAGO

If there are frictions with the traffic police on the road under the e-policy (if you have a printout), then advise the inspector to read the current traffic rules and OSAGO rules governing the use of the e-policy. Otherwise, even now you can get undeserved sanctions from some policemen.

Despite the fact that today the driver is still required to have a printout of the e-policy in the car, auto experts do not see much point in it - if the inspector cannot check the e-policy over the network, then no printout will help here.

Yes, in many places and many traffic police crews do not yet have the equipment or access to the network for such checks, but this should not be a problem for drivers. Moreover, the above circulars indicate that in the absence of access to the network, the inspector is obliged to check the policy through the central dispatcher on the radio.

However, in remote areas of the Russian Federation, it is better to have a regular policy for the time being - satellite service Internet is not available everywhere there.

Watch an interesting video illustrating the actions of traffic police officers regarding e-OSAGO:

Epic with e-policy printouts

Regarding confirmation of the presence of an e-policy in the form of its printer printouts, the current situation requires clarification of this entire saga from the very beginning.

Presentation of a "photocopy" of the e-policy

As already mentioned, the e-policy does not imply a special paper carrier that serves to confirm the reliability of the fact of insurance - this is checked through the appropriate databases.

However, this innovation caused confusion among many traffic police officers. And at first, the PCA, for the sake of reassuring the inspectors, recommended that drivers carry printouts of e-OSAGO with them. This did little to help the confusion - some inspectors perceived the presented "photocopies" as a personal insult.

Moreover, some drivers did not show anything at all, arguing that the e-policy is subject to online verification and even the presence of its printout in the car is not legally fixed.

As it turned out in practice, it was not possible to promptly provide all traffic police units with the possibility of online checking of OSAGO. Therefore, a year after the introduction of e-OSAGO, the presence of a printout in the car was legally fixed in the Federal Law No. 40 (according to the Federal Law No. 214 of 06/23/2016) and in the traffic rules.

And on this the situation hung in the air, although attempts to resolve the issue did not stop completely. For example, in the spring of 2017, First Deputy Prime Minister Igor Shuvalov instructed the Ministry of Internal Affairs and the Ministry of Finance to work out further stages of the transition to e-policies from paper ones. The order focuses on the abolition of the requirement to have an e-OSAGO printout in the car and the complete transition of the autocitizenship to a purely electronic form.

Cancellation of the obligation to carry an e-OSAGO printout

But from the very beginning, Shuvalov's circular initiatives did not work out, and the government finally intervened with the participation and control of Medvedev. On October 17, 2018, the State Duma adopted bill No. 501904-7, which almost completely removes the difference between paper and electronic OSAGO.

According to paragraph 6 of Art. 2 of the bill (changes in clause 7 of article 15 of the Federal Law No. 40), all policies will have their own unique electronic identifier (not the serial number of the form), according to which they will be checked. Accordingly, there will be no need for protected forms of the paper version of OSAGO.

In addition, paragraph 15 (Art. 2) of the draft law excludes from paragraph 1 of Art. 32 40-FZ, the requirement to provide an e-OSAGO printout. Instead, it is indicated that the driver "...submits for verification the insurance policy of compulsory insurance." That is, it can be an original paper policy or a printout of it, a printout of an electronic version or its display on electronic gadgets.

That is, the driver will be obliged to provide the inspector with something from what he has (original, printout, scan, page personal account IC with e-OSAGO display, etc.). But if nothing is provided, then it can be counted as a violation (at the discretion of the inspector).

It is clear that the requirement to carry a printout is temporary, but for now, do as prescribed by law so as not to anger the servants of the striped wand.

When the innovations will come into force and what to do now

This bill will definitely be adopted, but it was sent for revision to the State Duma Committee on the financial market. After the document is finalized and if it is fully adopted in the second reading, the innovations will come into force 180 days after the official promulgation of updates in the OSAGO legislation (according to clause 1, article 4 of the bill).

In the meantime, the changes are not accepted, drivers with e-CTP are required to have a printout of the policy in the car. At the same time, for greater persuasiveness, insurers are advised to certify it in the office with a seal and signature, although this is not necessary. Also, if desired, the insured can take a printout of e-OSAGO to the UK on the official letterhead.

Will the obligation to present OSAGO to the inspector be canceled

In the foreseeable future, the obligation of the driver to present anything to the inspector regarding OSAGO will be completely excluded from the legislation - the employee will be obliged to independently check through the network the availability and validity of the policy according to the details of the car and / or owner.

But this is the final stage of the transition to e-OSAGO, and with its initiation, the relevant provisions will be removed not only from Federal Law No. 40, but also from the SDA. So far, this is not possible throughout the country due to unequal access to the network in different areas.

• Write down all the data from the TCP literally when buying an e-policy online, as they are written there, even if there are inaccuracies: write like that, with inaccuracies - the main thing is that the car does not detect discrepancies, otherwise it will not work out of the house to get insurance.
• Complete rejection of paper policies by cities in the plans of the Government: for this they will work on the appropriate technical equipment, so there will be no return to the previous system, keep this in mind.
• Replace printout in the image of the e-policy on a tablet or smartphone may soon appear.

Conclusion

So, you figured out that the electronic OSAGO policy has the same legal force as the classic one, but at the same time, it does not provide for a mandatory paper carrier, and the police should be aware of this and not write out unlawful fines.

Do you have an electronic policy? Did he have problems with traffic police patrols? If you have any interesting information on this subject, then share it with other drivers in the comments.

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In today's article, I will tell you what an OSAGO policy looks like.

From July 1, 2016, by the March decision of the Presidium Russian Union motor insurers (RSA), the introduction of new OSAGO forms, with enhanced protection against forgery, is underway.

And in this regard, it will be very useful for every motorist to imagine how a new type of policy should look like. In addition, there are questions on the network about some blocks on old forms, which are still issued and are fully relevant.

The clear orientation of the ordinary policyholder (client) in the design of the policy gives him significant advantages. This allows you to personally check the completed certificate at the place of conclusion of the contract with the insurance company (IC). After all, an accidental or intentional incorrect filling of an auto-citizenship can bring a lot of trouble in the future.

Over the thirteen years of the existence of an auto citizen in Russia, the appearance of this insurance policy has changed repeatedly. To date, the design of this document has a high match for ease of completion and readability.

There are no particular difficulties in understanding the purpose of this or that block of this insurance, however, some of them require additional explanations.

Well, let's get started.

General Form Properties

OSAGO policy forms are printed on Gosznak and have characteristics typical for the products of this enterprise:

• Thick paper for documents, covered with a light green high-quality micro-mesh protective ornament;
• The form has a watermark structure - "RSA" with the emblem of this organization;
• Protective polymer fibers and a metallized strip are embedded in the body of the blank, which are visible from both sides;
• Top left is unique for each document serial number, which has a relief embossing that is well felt on both sides.

By the way, the size of the insurance certificate is specially made in a slightly larger format (about 1 cm) than a standard A4 sheet.

OSAGO policies are of two types:

• Single-layer - used in the offices of insurance companies, where all the data in the required fields is entered using a special printer.
• Two-layer (self-copying) - with an additional yellow-white copy. They are intended mainly for freelance insurance agents who fill in the fields by hand and who need a copy to report before their insurance transaction.

Moreover, these two-layer policies have long been intended to be banned, tk. they are easily forged - in the right places with different iodine compounds and peroxide, inscriptions made ballpoint pen, and anything is written in their place. Visually distinguishing such chemistry is difficult.

The structure of the OSAGO insurance policy

Hat

Stamp

On the right side of the policy header there is a place for your insurer's stamp. Do not confuse it with the seal, which is placed at the very bottom. There are two options here:

• Wet stamp;
• Printer stamp.

Classic wet stamp - it contains a logo, the official name of the insurer, its physical address, phone numbers, website.

Corporate printer stamp - usually put by large companies. It, among other things, may contain a barcode for reading data about the insurer (can be determined from a smartphone): for example, RESO has it, but Rosgosstrakh does not.

Serial number

Located to the left of the name, the serial number contains 10 digits and three series letters.

Today (since April 1, 2015), insurance policies are issued with the EEE series, and before that it was preceded by the CCC series (issued until March 31, 2015) and BBB, but all of them practically do not differ in structure.

All serial numbers of issued certificates are strictly recorded in the AIS RSA database. Moreover, it is assumed that for each insurer an individual number range is allocated, by which it can be identified, but this applies only to large and medium-sized players in the insurance market.

Date fields

Below the heading there are two unmarked blocks with fields for entering dates - the first is smaller, the second is large.

It is precisely in these blocks that motorists often have questions: not everyone can understand why the policy has two date fields, and not one - sometimes they have the same values, and sometimes they differ.

You probably don't know this either? Now I will explain.

The fact is that the first (smaller) field indicates the start and end date of your insurance contract with the insurer, and this period is not the immediate period of insurance coverage.

That is, here OSAGO insurers have two concepts:

• Insurance contract - in case of ordinary insurance, it is always concluded with you for a year (it can be less only in special cases).
• An insurance period is a specific period (or several periods) during which you have insurance coverage.

The dates of the insurance contract are written in the first block. And the dates of the insurance period (periods) in the lower large - there you can specify up to 3 insurance periods within one year.

It is noteworthy that in the old forms of the "CCC" series this distinction was more clear, because in the small block there was an entry: "The term of the contract with ...". And in the new "EEE" series, it was replaced with a misleading phrase: "Insurance period from ...". Look at the comparison photo.

With the purpose of the date fields, I think everything is clear.

Extended policy

As you know, if a motorist is insured by the same insurer, he does not need to renew the contract every year - it is simply extended, and the policy form is replaced with another one-year one.

Its characteristic difference is that the values ​​of the first and second block of dates are the same, and a dash is put in all extra fields (of the second block).

But this is if the insurance period covers all 12 months of the year, and if it is less (three, six, nine months) - the so-called. seasonal insurance, then there will be other numbers in the second block. By the way, if for some reason the 3 available fields for the seasonal extension of insurance were not enough, then a corresponding additional tab is attached to the policy.

Marked points and blocks of the insurance form

Below the header are 8 paragraphs, some of which have blocks for entering data, while others do not.

Point one

The first paragraph is a solid block for entering information about the insured: full name. Please note that the insured and the owner of the car may be different persons.

Point two

The second paragraph is a block where you need to write down the basic data about the car: the name of the owner of the vehicle (V), make / model, the presence of a trailer, VIN code (or body number), license plate, serial number of any document to choose from (PTS or STS). Below you need to check the intended purpose of the vehicle (this is a new requirement).

Point three

The third paragraph has two block fields. In the small one, you need to indicate the type of insurance: with or without restrictions on the number of persons allowed to drive the vehicle. In a large one, list the full names of persons admitted to driving and indicate the serial number of their driver's license (VU).

Items four through six

These paragraphs are purely informational - they contain information of insurance legislation relevant for the period of conclusion of the contract on the insurance period, insured event, etc.

Point seven

The penultimate paragraph contains a block field where the amount to be paid for insurance (insurance premium) is indicated. It should be the same for all insurance companies in your region. You can double-check this amount online on any OSAGO calculator, taking into account your KBM.

Point eight

In the last paragraph there is a block for making special notes: all kinds of additional information can be written here, one way or another related to this agreement.

According to the marked points of the policy, everything.

sighting area

The last in the policy is the unmarked sighting area. This is the most important part that certifies the validity of the insurance.

• Date of conclusion of the contract with the UK - this date can be either different from the date of commencement of the contract, or coincide with it.
• Date of issue of the insurance policy - usually it coincides with the date of commencement of the contract, but sometimes it may differ.
• Signature of the insured - without full name.
• Signature of the insurer or the person representing him - with full name.
• On top of all this is placed a round wet seal of the insurer.

I think that in general terms, everything is clear in all areas and points of the insurance form. And you can learn about the details and nuances of filling in the listed fields from the article about the correct filling out of the OSAGO policy.

New OSAGO policy of 2016

PCA Updates

Recently, the PCA annually releases major "updates" for autocitizen. So, from July 1, 2015, an opportunity was introduced for motorists, and from July 1, 2016, it was planned to completely replace all existing policies with new documents.

Subsequently, however, these plans were adjusted and canceled the item for the total replacement of existing documents, and also introduced a three-month transition period during which insurance can be issued both on new and old forms.

Moreover, policies on old forms issued before October 1 this year. d. inclusive, will not be compulsorily exchanged until their expiration date.

Differences of the policy of the new sample

What is the difference between the new forms and the old ones?

No changes were made in the structure of the document - all data areas, paragraphs and block fields remained in their places. On the other hand, the color of the document and its background ornament have drastically changed: now it is intense pink with a sharp-figured pattern, instead of light green with an ornament of rounded shapes. The general background micronetwork structure remained the same.

Move the cursor to view a visual comparison:

Why did the policy change?

This update was initiated in order to increase the level of protection of OSAGO forms from counterfeiting by an order of magnitude, a change in the structure was not planned, and the replacement of the color and ornamental design was used to sharply distinguish old, poorly protected documents from new ones.

• PCA experts assure that it will take scammers at least two years to forge a new sample of forms. During this period, it is planned to transfer car insurance to the Internet as much as possible and thereby drastically reduce the number of fake insurance in the hands of the population. Therefore, it is worth trying the electronic autocitizen early.
• Try to purchase OSAGO insurance from large companies and avoid double forms filled out by hand - traffic police will suspect them in the first place, because from July 1 this year. g. they are charged with the duty to break through the presented insurance on the basis of the AIS RSA.
• If, when applying for OSAGO, you notice any marriage on the form filled out by the agent, then ask to replace it - they are obliged to do this.

Conclusion

Having familiarized yourself with this material, you now clearly imagine the design of the old and new OSAGO forms and will no longer get confused in the blocks of the insurance policy when checking it after filling it out by the insurer.

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Good luck on the road and see you soon!

The introduction of new paper OSAGO policies has become a real necessity.

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Compared with the old forms, they have additional degrees of protection, the informative part has been increased. Replacement is carried out in stages to avoid artificial shortages.

Changes in the appearance of policies

The system for checking forms of compulsory auto insurance by traffic police officers could not physically determine the authenticity of the policy. This was due to the low degree of protection of documents and the ability to make a fake even by non-professionals. Therefore, from July 1, 2019, new OSAGO forms were introduced.

This step was prompted by the following circumstances:

• Catastrophically a large number of fakes. They can be issued at a price below the market price with or without the consent of the insured person. In any case, in case of an accident, the insurer can pay compensation only after a trial.
• The presence of new fields for entering additional information. This will make it possible to form the cost of OSAGO more transparently. In the future, it is planned to indicate the value of KBM.
• Reducing the shortage of forms. New OSAGO policies are issued together with the old ones. Thus, their total number increases, which makes it possible to provide all representatives of insurance companies with forms.

In addition, it is necessary to take into account the increase in the cost of forms for 15% . This will not affect the price of OSAGO, since the cost of purchasing will fall on insurance companies. Also, another type of fraud is not excluded - payment and registration of insurance without further entering data into the PCA database.

In general, the introduction of new policies should increase the confidence of car enthusiasts in the system of compulsory auto insurance and unload the offices of large companies, redirecting the flow of potential customers to their representatives. In part, the unreliability of the latter was the reason for the introduction of new forms.

Therefore, for the "transparency" of the formation of value in 2019, a number of changes will be made to the legislation. In particular, it will be possible to issue an electronic document, to notify customers about the current value of the KBM.

OSAGO policy sample

After the official presentation in January 2019, the appearance of the form has undergone minor changes. Familiarization with the features of protection and appearance of the document will help to avoid buying fakes, which appeared in small quantities immediately after the introduction of the new OSAGO policy.

The color scheme has changed - instead of a monochromatic green color, the letterhead has a complex pattern consisting of geometric shapes of various shades of pink. In total, there are about 5 different graphically objects arranged in a chaotic order. The fields for filling remained white so that there would be no difficulties with entering the correct information.

The following elements were used as protection:

• Did a color stretch. Change in hue from yellow to pink and lilac.
• Entering new fonts. Their size has become much larger than the previous ones, which positively affected the reading of information.
• New watermarks. They have become more complex and represent a stylistic image of the car. Additionally, watermarks with the PCA logo are placed on the side.
• The presence of a metallized line. It is located on the left side and runs vertically along the form. On it there are inscriptions "RSA" and "Policy". The thread passes through the OSAGO policy in a checkerboard pattern.
• A QR code will appear. With the help of special mobile applications, it will be possible to find out detailed information about the insurance company in which the policy was issued.

New OSAGO policy

According to experts, such protection will prevent fraudsters from making fake policies for at least a year from the moment they are issued. For motorists, it is important to know the features of the original form and be able to "read" all types of protection.

Features of the circulation of new forms

According to legislative acts, it was possible to issue OSAGO on old forms until October 1, 2019. At the same time, their validity period is limited only by the contract. Traffic police inspectors and representatives of insurance companies are required to accept old policies. The latter will have to pay compensation amounts subject to the application procedure.

Currently, when concluding or prolonging a contract, the insurer is obliged to issue auto insurance on a new policy. The exception is electronic versions, the form of which has remained unchanged.

Each car owner should know the following nuances of the new OSAGO policies:

• Carry the original policy with you. A copy is not a confirmation of the issued insurance. As an alternative, and if technically possible, a traffic police officer can check OSAGO in the PCA database.
• It is impossible to pass a technical inspection without presenting a compulsory insurance form.
• Registration with a delay in the action of OSAGO. This is convenient when buying a car when you need to prepare required package documents in advance. The policy will not begin from the moment the contract is concluded, but later.
• After issuing insurance, the company or its official dealer must provide additional information - addresses and contact details of the insurer's representatives in the regions of Russia, an accident notification form. The insured person may require a certified copy of the insurance. It is issued free of charge.
• Time of issuance of the certified form within a day after receipt Money. It is necessary to take into account possible delays for cashless payments.

The current situation with the circulation of OSAGO policies and changes in legislation is best controlled on the official website of the PCA. In addition, there is useful information about the current rules of compulsory auto insurance, the calculation of the cost of the policy. In 2019, a KBM check should appear at the request of the car owner.

Do I need to change my old policy to a new one?

Simultaneous operation of old and new OSAGO forms will not affect the rights of the insured person. Therefore, the question of whether the old policy is valid is not urgent, since its legitimacy will be terminated only after the completion of the contract. But some motorists are interested in the possibility of replacement. In fact, the procedure does not carry a semantic load.

On the contrary, for its implementation it is necessary to make a number of actions.

1. Come to the office of the insurance company, stand in line to the consultant.
2. Write a statement, a sample of which can be taken from the insurance company.
3. The consultant will check the correctness and enter the data into the database for registration and issuance of a new OSAGO policy.
4. Wait for the finalization of the form.

After receiving, the insured will have a new policy in his hands, which in terms of significance is no different from the old one.

The only "plus" of this procedure is the free provision of a replacement service. But for this you need to spend your time for trips to the company's office and for paperwork.

An exception may be a change in the content of the compulsory motor insurance contract. This may be the provision of additional services for OSAGO, its expansion to the required amount. In this case, the insurer is obliged to issue a policy on a new form.

Cost change

After the appearance of information about the replacement of old OSAGO policies with new ones, rumors arose about the rise in the cost of compulsory auto insurance. The reason for this was additional measures to protect the document and, as a result, an increase in its cost. In fact, the price of forms increased by 15%, but this did not affect the total cost of insurance.

But is it really so? Insurance companies have a minimum profit margin and are trying to sell a number of additional services together with OSAGO. At the same time, they have a legal mechanism for regulating the cost, by applying which the price of auto insurance may differ from different companies within 20% . Thus, organizations can theoretically compensate for the additional costs associated with the purchase of valid documents.

• check the cost of OSAGO on the PCA website using the calculator;
• check the price with different insurers;
• study the content of the contract to identify additional services;
• additionally control the cost of compulsory auto insurance using online services.

The price difference cannot exceed 20%. Dealers of insurance companies can deal with artificial increase in cost. But due to the availability of registration and the presence of constant queues at the offices of large insurers, many people prefer to pay for OSAGO from official representatives.

When imposing additional services or clearly incorrect calculation of the cost, you can create a complaint on the website of the Central Bank or the PCA. But this should be done only if the insurance company is unwilling to admit its mistakes.

Electronic or paper OSAGO policy in 2019

The relevance of acquiring a paper version of insurance with the spread of an electronic counterpart loses its meaning. From January 1, 2019, insurance organizations will be required to provide the opportunity to issue a policy remotely. Until that time, electronic OSAGO could be done only with the prolongation of the contract.

The advantages of electronic compared to the new paper OSAGO form are as follows:

• There is no need to go to the office of the company. Using the online service, an application form is filled out with the application of scanned documents. Payment is made through the "Client-bank" service.
• Processing time is much less. But the question remains about the availability of this function during non-working hours.
• After confirmation and payment, an electronic copy of the policy is sent to the user's mailbox. You can order an additional copy with a poste restante letter.
• The electronic form is printed on a printer and presented to the traffic police. It has the same significance as the paper version.

The only drawback is the increased likelihood of making an error when filling in the fields of the application. Therefore, when performing this procedure, you need to double-check the data several times. The opportunity to make adjustments has a positive effect on the convenience of the service. But this can be done only after agreement with the representatives of the organization. Insurance data will be entered into the PCA database only after its expiration.

Each car owner is obliged to conclude an OSAGO insurance contract and carry insurance with him, which will be required upon the onset of insured event. It does not matter if the document is paper or electronic - they are legally equivalent. The PCA and the Central Bank periodically change the insurance forms, they include additional elements and lines for information. How is the exchange of OSAGO policies for new samples carried out? Why are these changes taking place? When will the new OSAGO forms appear?

Reasons for issuing new forms

The main reason for replacing the old car owners liability insurance forms with the new version was the fight against fraud. The replacement was made on July 1, 2016. At that time, out of approximately 42 million OSAGO policies sold during the year, 1 million were fakes. Thus, the insurers decided not only to strengthen the protection of the insurance document, but also to remove fakes from circulation. The replacement of old forms with new ones took place with the support of all state bodies that are somehow related to this process, including the traffic police.

All innovations, including color change, the introduction of additional protective elements, increased the cost of the OSAGO form (about 6 rubles) by 10%. According to statements by insurers and the regulator of the insurance market, such a rise in price did not and will not affect the amount of insurance premium for insurers.

The changes included in the new version of the document will be convenient for both the policyholders themselves, as well as for insurers and traffic police officers. For example, a QR code that will be applied by an insurance company will contain information about the contract, the car owner (including the series and number of his passport), vehicle. The traffic police inspector using the PCA application will be able to read this code and get all the necessary information without resorting to electronic databases.

What has changed in the form and how is the old policy different from the new one?

New versions of insurance forms have changed not only the color, but also acquired several degrees of protection. In fact, only the appearance of the document has changed in 2016, all the columns and information in it have remained the same with some exceptions. In the insurance form of the 2016 sample, a place was left for the QR code in the upper right corner, the code itself appeared only on documents that began to be issued on January 1, 2018. The table below shows the main changes that have affected the insurance policy "autocitizen".

Table - Distinctive features appearance of CMTPL forms of the old and new sample

Comparison criterion	old policy	New policy
Color	Green (light to dark shade)	Polysyllabic, more than 3 colors in different shades (pink, purple, yellow, orange, etc.)
Protection methods	Metal strip; Water marks	Watermarks in the form of a car in the center of the form; Watermarks in the form of the PCA logo, located vertically; QR code; Metallized thread with OSAGO inscription
Font	Small with serifs	Larger sans serif
Series	CCC	EEE, KKK, MMM, XXX (for electronic OSAGO)
Series location and numbers	Top right	Top center

Source: policy forms

Up to and including 2018, several other small changes were made to the insurance form, including the notes on the back. The item following after 8 was numbered, which is provided for entering policies and contracts of voluntary insurance purchased in addition to OSAGO. A table has been added to the new form to calculate the amount of the premium that must be paid to the insured. Clause 7 "Insurance premium" was moved up in the new policy, and now the data on the cost of OSAGO insurance are located above the QR code and the seal of the insurance company. The electronic versions of the insurance document have also been changed in the same way. The only exception is the presence of a QR code - it is not on the electronic insurance.

What does the new policy look like?

Electronic and paper OSAGO look the same. In the upper part of the policy on the right there is a frame for indicating the amount of the insurance premium (in rubles and kopecks), below it is a QR code. In the center is the name of the document, its series and number, as well as the term of insurance. At the top left there is a place for the seal (logo) of the insurance company in which such a form will be issued. You can find out what the OSAGO policy valid in 2018 looks like by referring to Figure 1.

Figure 1 - CMTPL policy of a new sample

A photo of the new OSAGO policy allows you to make sure that it contains the same information as the old one (with the exception of a few points): the term of insurance, the data of the insured and the owner of the car, information about the vehicle, columns for entering persons admitted to driving, purposes of using the car, a table for calculating the size insurance premium. There is a column for special notes to be made by the insurer. The policy must indicate the date of conclusion of the contract of insurance "motor citizen", the signatures of the parties. Electronic OSAGO has the same columns with information, the same color, the same arrangement of all elements of the document.

Do I need to exchange OSAGO insurance policies for new ones?

Initially, the PCA, the Central Bank and insurance companies assumed that with the introduction of new forms of documents, old policies would become invalid. But due to technical reasons, namely the impossibility of the GOZNAKA printing house to issue more than 40 million policy forms at once, another decision was made. Car owners were not forced to come to the insurers and carry out a replacement. Old OSAGO policies were changed only after their validity expired.

In 2018, the same picture is observed as after the change in forms from July 1, 2016. Car owners are not required to change their OSAGO policies, including electronic ones, until their validity period expires. Taking into account the fact that for several years the Central Bank has been amending Regulation No. 431-P, which established the new kind OSAGO policy, there are many motorists on the roads with completely different forms of this document. There are definitely no green policies anymore, but versions without a QR code can still be found.

Conclusion

Changes in OSAGO policies are primarily related to fraud that flourishes in this insurance segment. Additional security features and the complex color scheme of the new policy made it possible to reduce the percentage of document forgeries in the insurance market, but it was not possible to completely eliminate them. Many car owners are in favor of replacing the paper version of an A4 document with a plastic one, the size of bank card. Whether insurers will listen to the opinion of their customers and what the new OSAGO policy will look like in this case are open questions.