Life hack. How to issue OSAGO quickly and without problems

1. Choose an insurance company

To get started, read reviews from other motorists on the Internet, ask around friends and acquaintances. This will help to cut off companies that do not interact well with customers and make a list of favorite insurers. Then check the second one for the appropriate license via website of the Bank of Russia. Organizations without it are best avoided.

Buying OSAGO from an insurer with a license is important not only to protect yourself from serious expenses during an accident. A fake policy is fraught with administrative or even criminal penalties. The first is a fine of 800 rubles. His can write even during a preventive check, if the driver was not aware that he was driving with a fake OSAGO. The second is a fine of up to 80,000 rubles, arrest for six months, compulsory or corrective labor. Such a punishment availableif they prove the intentional purchase of a fake policy.

2. Calculate the cost of the policy

OSAGO cost depends on the age and experience of the driver, region, type of vehicle, accident history, vehicle power, number of drivers who will use the car, and a number of other criteria. You don't have to define them yourself. By law, all companies issuing policies on the website

it should be calculator. Fill in the data in it - and the cost of the policy will be calculated automatically.

Another important point is that all personal allowances or discounts are added to the base rate. His insurance company installs on his own, but in withindetermined by the Bank of Russia. The lower the rate chosen by the insurer, the cheaper the policy will be. Therefore, before buying OSAGO, it makes sense to go into the calculators of several companies.

3. Fill out an online application

Electronic OSAGO has the same legal force as the classic one. But it is processed faster: there is no need to go to the insurer's office, stand in queues, fill out paper applications and make copies of documents. On the site, you only need to specify the data - they will be checked on the basis of the Russian Union of Motor Insurers (RSA). Then all you have to do is choose the right policy and pay for it. The OSAGO policy will be sent to your email. It can be shown to traffic police officers from the screen of a smartphone or tablet. Save the policy in the gadget's memory so that it is at hand even in places without communication.

Before buying a policy, make sure that you are on the official website of the insurer, and not on a mirror created by a scammer. If you do not know the exact email address of the company, look for it through Yandex: the official page will have a blue check next to it.