How to protect yourself from buying a fake policy OSAGO

As the number of cars on the roads of the country associated unpleasant nuance: the more "fresh" driver sits behind the wheel, the more there is those who are trying to weld them. In this case, we will focus on the eternal headache of all motorists - buying MTPL policy.

Yes, every driver on the territory of the Russian Federation with the purchase of a vehicle is obliged to issue him a new liability insurance policy tool. And everything would be fine, that's only for the insurance prices are rising, and motorists are forced to grab his head upon the occurrence of the next insurance year. This is especially true for young drivers, the experience of which is less than three years - for them MTPL policy will be particularly expensive. Against this background, there are those in a hurry, "facilitate" their lives, offering to buy the same MTPL policy with significant savings.

As there is a demand for fake insurance policies CTP

Phoning a huge number of insurance agents and brokers, the driver feels the hopelessness, as everyone calls the sum of 15 to 20 thousand rubles. Already in despair and agreed to take a few thousand with friends, the driver decides to look into the "insurance tent" next to the house (eg, by the way, has recently become more and more). And good luck: the agent says that he can purchase insurance at a significant discount on the New Year's action - all for 5000 rubles! As the driver will behave in a given situation? Of course, he will hasten to give the agent your money and after a few minutes to get the coveted form CTP.

What risks are expected when using a fake driver's MTPL policy

At least the undesirable consequences that might be expected of the driver, - a fine of 800 rubles from the traffic police for using the vehicle without MTPL policy. Yes, a fake insurance policy equivalent to the absence of such: Inspector in minutes will strike based on insurance and see what your form is not listed in it.

Maximum - a lot of trouble with road accidentNamely in the case where the perpetrator of the accident the driver performs with such insurance. We all know that the main advantage of the CTP consists precisely in the fact that even if you are to blame for the accident and rammed in his "Kia Rio" brand new "Mercedes", the insurance company will take over the obligation to restore the victim's car, although only within the limits of 400 thousand rubles.

But what happens if the perpetrator of the accident form MTPL policy will be a fake? Come very unpleasant consequences: the owner of the affected person will put the car lover to save the expense of the restoration of the machine, because in this case the provisions of the lawFederal Law "On obligatory insurance of civil liability of vehicle owners" from 25.04.2002 N 40-FZ "On compulsory insurance of civil liability of vehicle owners" will not apply.

It turns out that the driver who saved 5-10 thousand rubles for the purchase of MTPL policy, the result will have to bear the financial loss, which in the comparison does not go with the economy on the policy. Is it worth the extra 5000 in a purse financial well-being the driver and his family?

As the driver to protect yourself when you make a policy CTP

1. Do not try to save considerably on the purchase of the policy

As a former employee of the insurance company, I tell you a secret: CTP cost is formed in accordance with the ratios established by the Central Bank of the Russian Federation. And insurance companies do not have the right to deviate from these values: discounts on the purchase of CTP is not even among the staff. Therefore, the actual cost of the policy CTP to a particular car will be roughly the same for all insurers.

2. Buy policies directly to the office of the insurance company

Yes, to get to the office of the insurer, as a rule, is more difficult than to turn to the insurance broker, However, compensation in this case will be complete confidence that you will not be handed a fake form. In addition, the major insurance companies have already been working on the outbound service registration MTPL policy. This is no less convenient than contact with a broker, and certainly much safer.

3. If you do decide to turn to the insurance agent or broker, choose a trusted

It is best to give preference to insurance intermediaries, to which you have applied previously and that you are not disappointed. Or to the brokers that you have recommended friends. In such a case, a chance to run into unscrupulous agent will be close to zero.

If you do decide to start working with the new insurance agent in advance to make sure of its reliability: read reviewsAnd make sure that the person concerned is affiliated to a representative of the insurance company. Alternatively, you can call the call center organization, representative of which is allegedly a broker, and make sure it is in reality.

4. Always check the form of the policy CTP based in RSA

On the basis of the Russian Union of Insurers (RSA), a special siteWhich provides useful information about your proposed policy form. Selecting a special site tab, you can enter your number and the form to make sure it is valid and has not been used by anyone before. But if the system indicates that the CTP form is listed as stolen, lost, or at all in the database is not listed, run by such broker with all haste.

5. Use Services in registration of electronic CTP policies (e-CTP)

In Russia, for several years now operates Institute of Electronic CTP, which allows drivers to purchase insurance from the comfort of home. Contents e-CTP, please visit any of the major insurers. This procedure will not take much of your time, and at the same time you will be absolutely sure that you issued the form is valid and is one hundred percent legal. The cost of e-CTP will be exactly the same as the cost of the policy paper (and perhaps a little cheaper - taking into account the shares).

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By following these simple tips, you can be sure that spent on MTPL blood will not go in vain, and can, and will pay for themselves in the future.