Electronic car insurance OSAGO

OSAGO calculator online

A convenient way to calculate your policy

OSAGO CALCULATOR

An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.

Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:

for damage to life and health - four hundred thousand rubles;
for property damage - five hundred thousand rubles.

In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.

Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:

if the driver does not have car insurance with him - five hundred rubles;
driving during a period not provided for by the contract - five hundred rubles;
driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
absence of a valid insurance policy for the vehicle – eight hundred rubles.

What do you need to calculate the cost of insurance?

The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:

territory of use of the car or region of registration of the owner of the vehicle;
presence/absence of accidents in history;
presence/absence of restrictions;
the number of complete years and experience of driving a car;
number of horsepower;
using a vehicle with a trailer;
period of operation of the vehicle;
contract time.

What documents are needed for registration?

To purchase this type of compensation you may need:

identification document of the policyholder;
PTS or STS;
registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
a valid diagnostic card (if technical inspection is required by law).

Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:

Simplicity in design. To apply for a policy, you do not need to visit the insurance office - just fill out the form provided. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RCA database.
The policy is always at hand. In case of loss or damage, you will only need to re-print it.

Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.

How to insure a car cheaply?

Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.

Advantages of registration through our website

Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
We guarantee the authenticity of insurance purchased through our service.

How to apply for a policy on our website?

First of all, you need to calculate the insurance for your car. To do this, fill in our calculator with information about the vehicle and insurance parameters, namely:

make, model, year of manufacture and modification of the vehicle;
period and start date of insurance;
region of registration and actual residence of the owner;
information about the owners.

When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.

We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.

OSAGO in Moscow

Are you looking for a reliable insurance company? Take out MTPL insurance in Moscow from AlfaStrakhovanie. You can choose the classic option and receive a paper policy in our office after filling out all the documents. If you don’t have time for this, apply for compulsory motor liability insurance in Moscow online on our website. We offer:

convenient OSAGO calculator,
fast and simple registration procedure,
secure online payment,
24-hour access (24 hours) to E-OSAGO in the “Personal Account”,
high service and attention to all your wishes.

Please note that to apply for any type of policy, you will need a valid diagnostic card, which you can obtain at a service station after a technical inspection.

Choose your policy

Electronic and paper policies have the same legal force. The cost of insurance is also the same.

Advantages of an electronic policy

Possibility to issue and buy compulsory motor third party liability insurance around the clock (24 hours!)
There is no fear of spoiling the E-OSAGO form - it can be printed at any time.
The insurance policy is always available in your “Personal Account”.
E-OSAGO can be saved on a smartphone, tablet or computer.

How to buy a policy online

Use the OSAGO online calculator to calculate the cost of insurance. Fill out all the fields in strict accordance with the passport of the policyholder and the owner of the PTS vehicle and the driver’s licenses of persons authorized to drive. After this, the system will check the entered data against the RCA database.
Wait until the check against the RSA database is completed.
If the price of the policy suits you, pay for it online using one of the convenient methods (bank card, using the AlfaClick Internet bank). After funds are received into your account, E-OSAGO in *pdf format will be sent to your email.
Print the policy on a printer and take it with you in the car to present it to the traffic police for inspection or in case of an accident. In case you lose the paper form, you can save the electronic version on your smartphone.

Below you can find the addresses and operating hours of our offices. A number of company offices in Moscow are also open on weekends: you can insure your car on Saturday or Sunday.

Electronic policy

Place of registration of the vehicle owner:

A
Adygea
Altai
Altai region
Amur region
Arkhangelsk region
Astrakhan region
B
Bashkortostan
Belgorod region
Bryansk region
Buryatia
IN
Vladimir region
Volgograd region
Vologda region
Voronezh region
D
Dagestan
E
Jewish Autonomous Region
Z
Transbaikal region
AND
Ivanovo region
Ingushetia
Irkutsk region

TO
Kabardino-Balkaria
Kaliningrad region
Kalmykia
Kaluga region
Kamchatka Krai
Karachay-Cherkessia
Karelia
Kemerovo region.
Kirov region
Komi
Kostroma region
Krasnodar region
Krasnoyarsk region
Crimea
Kurgan region
Kursk region
L
Leningrad region.
Lipetsk region
M
Magadan region
Mari El
Mordovia
Moscow region
Murmansk region

N
Nenets Autonomous Okrug
Nizhny Novgorod region.
Novgorod region
Novosibirsk region
ABOUT
Omsk region
Orenburg region
Oryol region
P
Penza region
Perm region
Primorsky Krai
Pskov region
R
Rostov region
Ryazan region
WITH
Samara region
Saratov region
Sakha (Yakutia)
Sakhalin region
Sverdlovsk region.
North Ossetia
Smolensk region
Stavropol region

T
Tambov region
Tatarstan
Tver region
Tomsk region
Tula region
Tyva
Tyumen region
U
Udmurtia
Ulyanovsk region
X
Khabarovsk region
Khakassia
Khanty-Mansi Autonomous Okrug
H
Chelyabinsk region
Chechen Republic
Chuvashia
Chukotka Autonomous Okrug
I
Yamalo-Nenets Autonomous Okrug
Yaroslavl region

Questions - Answers

Is the OSAGO policy genuine?

We work under a direct agreement with insurance companies, and we guarantee the authenticity of the MTPL policy and its availability in the database of the Russian Union of Insurers (RUA).

Is it possible to apply for compulsory motor liability insurance without a diagnostic card?

For cars less than three years old, a diagnostic card is not required (when filling out, leave the fields with the number and expiration date blank).

If the car is more than three years old, you can issue an electronic policy, but you still need to get a diagnostic card.

Why does the MTPL policy begin only 3 days after the conclusion of the contract?

According to the Directive of the Central Bank of the Russian Federation No. 4723-U, the electronic MTPL policy begins to be valid three days after the day of registration.

Why is the BMR equal to 1 in the calculation, although the driver was not involved in an accident?

There can be many reasons for resetting the KBM. Carefully check the correctness of the driver information entered. If the data is correct, to restore the KBM, you can contact the insurance company where the previous policy was issued, or use the KBM restoration service.

How quickly does the MTPL policy arrive by e-mail?

An electronic policy is sent by email immediately after payment. If you have not received the policy by e-mail, write to us.

For which categories of vehicles can a compulsory motor liability insurance policy be issued?

At the moment, we only have compulsory motor liability insurance available for category B.

Good company

It's time to take out an insurance policy. I thought for a long time about which company to choose so that I could get a policy there quickly and without hassle. Initially, I read a bunch of reviews on the Internet. I decided to apply with Ingosstrakh. Moreover, I also recommend this company.

Good company

The Alpha Insurance company was recommended to me by guys at work. They themselves issue compulsory motor liability insurance for their cars, the prices are more than acceptable. You don’t need to go anywhere, in a calm environment from home, fill out the necessary data, pay in a convenient way, etc.

OSAGO insurance

When buying a car for my husband, on the recommendation of friends, we applied for an MTPL policy from AlfaStrakhovanie. Everything turned out to be so simple! I called the organization and they offered us to submit an application on the company’s website online without visiting the office. We have filled out the application here.

Online insurance

I have always been insured with Alfa Insurance before, I trust this company and the price makes me happy. I recently found out that I can insure my car via the Internet. But for some reason I was worried that the policy would not be valid or that I would be deceived. But mine is familiar.

great company

I have been insuring my car for several years now, I switched to this company on the recommendation of a friend, and have never regretted it! Today I took out a policy under the very convenient Formula 50+ program, you pay half, and the second half only when an insured event occurs, if.

Insurance companies

OSAGO policy may become gold

Having rejected the Ministry of Finance’s tough bill on the liberalization of compulsory motor liability insurance, State Duma deputies took up this idea, proposing in their new bill to allow insurers to set individual tariffs.

New fines will be introduced for Russian drivers

New fines for Russian car owners and drivers come into force on January 1, 2020. Now, for a GAZelle left overnight in the courtyard of a residential building, its owner will be fined.

The road bridge from Russia to China will be opened in 2021

Large-scale construction of a bridge in the Far East has been completed.

Electronic policy

For most Russian drivers, purchasing MTPL car insurance was associated with a procedure that required a huge loss of personal time and the emergence of some negative aspects. The need to make a choice among many insurers offering similar conditions often baffled car owners. A trip to the point of sale of an insurance company and communication with clerks did not add to the health of the policyholder. With the advent of the opportunity to buy an electronic MTPL policy online, many negative aspects are a thing of the past. This type of insurance has become publicly available since mid-summer 2015. Electronic document management has significantly simplified communication between the insurance company and the driver and has made it possible to reduce the time for obtaining car insurance to a minimum. But purchasing an electronic version of an MTPL insurance policy has two restrictions - data about the policyholder must be available in the RSA database, and the insurer must be present in the region where the car insurance is issued.

How to issue an electronic MTPL insurance policy using our online service

A specialized online service makes it possible to purchase an MTPL policy from leading insurers, spending a minimum amount of personal time and avoiding stressful situations. Having located in a convenient place where it is possible to connect to the network, the car owner himself carries out the calculation and purchase of car insurance. The convenient and intuitive interface of the online service allows you to carry out all the actions even for a person unfamiliar with working on a computer. In the process of filling out the calculator form and the online application, the system prompts the sequence of all actions.

Using a virtual calculator, a motorist calculates the insurance premium. To do this, he enters information about the vehicle’s engine power and information about his own driving experience. In the case where several drivers will drive the vehicle, their age and driving experience will have to be indicated. The calculator performs calculations using correction factors, including KBM. It must be indicated in case of accident-free driving in the previous MTPL period. The base tariff will depend on the insurer's strategic business policy.

Having calculated the amount of the insurance premium, the car owner can begin the process of obtaining car insurance. You do not need to provide any documents - you just need to register on our resource.

The online application will require the following documents:

Personal passport of a Russian citizen of a car owner
Vehicle registration certificate or passport
Driver's licenses of other citizens allowed to drive the insured vehicle
Maintenance certificate

All information is checked against the database of the Russian Union of Motor Insurers. Next, you need to pay for car insurance. This can only be done via bank transfer, which can create certain difficulties for drivers who do not have a plastic card. In the future, insurers plan to accept online payments in other ways.

The completed MTPL is sent to the email address specified during registration. The insurance document will be sent within one hour from the moment the money is received in the insurer's account. The printed policy must be taken with you and presented, if necessary, for verification with the rest of the driving documents to the traffic police inspector. The online service automatically transfers information about the purchased electronic policy to the RCA database. Car inspectors have direct access to it, and checking the authenticity of car insurance will not take much time. The traffic police officer enters the policy number and instantly receives all the information.

Electronic insurance with our help is a complete benefit for the motorist

Over the entire period of operation of our online service, thousands of motorists have purchased an electronic MTPL policy.

All car owners who contacted our company were able to appreciate the benefits of electronic car insurance:

On our resource you can quickly compare dozens of offers from Russian auto insurance leaders and choose a company that is present in the insured’s region and offers the most favorable conditions
The online service completely eliminates the possibility of purchasing a fake insurance document. Our company is a partner only of trusted insurance organizations. You can verify the authenticity of your policy by checking it in the RCA database.
Low probability of missing OSAGO forms in stock
No imposition of unreasonable additional services. The online service operates without the participation of agents and brokers, who are “famous” for trying to sell unnecessary insurance services
All actions for issuing an electronic policy are performed automatically around the clock. If necessary, you can get detailed advice from our employees online

The cost of an electronic MTPL policy does not differ from the price of car insurance issued on Gosznak form. Every owner of auto and motorcycle transport will be able to buy an electronic MTPL insurance policy online using our online service on the best conditions and gain absolute confidence on Russian highways.

Electronic MTPL policy in Moscow

35 insurance companies in one place

Fast - no traffic jams or queues

Profitable - choose the best price

Reliable - you receive an official policy.

Calculate the cost of the policy

Compare prices between companies

Pay for the policy by card

Receive the policy by e-mail

OSAGO insurance in Moscow

OSAGO policy in Moscow in just a few clicks. We present you with a convenient service that will help you find out the cost of a car policy, compare offers from insurance companies and apply for a policy.

Cost of MTPL for Moscow

The cost of the policy depends on the data of the owner and the car, insurance company rates, type of vehicle, engine power, time of use and other parameters. But thanks to our service, you can save from 1,498 to 3,980 rubles, since the base rate may differ by 20%. Calculated using the OSAGO calculator.

Apply for an official policy online

The MTPL policy was changed in 2015 and the system is made in such a way that when selling it via the Internet, your number immediately goes into a single database that traffic police inspectors have. Showing him a printed version will be enough.

Advantages of buying an insurance policy online

Saved time and money! To compare prices from several insurance companies, you need to fill out a form on each site. Each form contains about 40 questions. With us you will do this once and receive a calculation for several companies.

OSAGO insurance online in Moscow

Electronic MTPL is convenient!

Partners of Vyberu.ru

Questions about electronic compulsory motor liability insurance
e-OSAGO information

Electronic policy. Used as an analogue of a paper document. The car owner can make an e-MTPL on the official website of the insurance company and receive it by e-mail. If desired, the driver can print it out and take it with him.

The easiest way is to check on the official RSA website. You will need to enter the series (select an option from the drop-down list) and policy number.

KBM is a special coefficient that indicates whether the driver has been in an accident. Used to determine the cost of the policy. The lower the BMR, the cheaper car insurance will cost.

A special document that makes it possible to resolve an accident between two drivers without involving traffic police officers.

The price at which OSAGO insurance will be issued online depends on several factors:

type of car;
number of drivers;
age of the vehicle;
engine volume;
the age of the car owner and his driving experience;
the period for which you plan to insure the car;
number of accidents caused by a motorist;
region in which you plan to buy MTPL.

If it’s time to change or obtain compulsory motor liability insurance online, you need to write an application to the insurance company, submit the necessary documents and issue a new one. Today you can perform this procedure online.

Each subsequent issuance of OSAGO online occurs immediately after the expiration of the insurance period.

If you buy an electronic MTPL, the car will be insured against an accident. And the motorist will be able to receive monetary compensation if he or his passengers are injured as a result of the accident.

E-OSAGO insures against road accidents, theft, intentional arson, natural disasters and damage intentionally caused by third parties (not as a result of an accident).