OSAGO car insurance online

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.

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.

Apply for compulsory motor liability insurance in Moscow

E
Eagle
E-car
F
FAW
Ferrari
Fiat
Ford
Foton
FSO
Fuqi
G
Geely
Genesis
Geo
GMC
G.P.
Great Wall
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Hafei
Haima
Hanomag
Haval
Hawtai
Hindustan
Holden
Honda
HuangHai
Hudson
Hummer
Hyundai
I
Infinity
Innocenti
Iran Khodro
Isdera
Isuzu
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J.A.C.
Jaguar
Jeep
Jinbei
J.M.C.
K
Kia

R
Ravon
Renault
Rimac
Rolls-Royce
Ronart
Rover
S
Saab
Saturn
Scion
SEAT
Shanghai Maple
Skoda
Smart
Soueast
Specter
Spyker
SsangYong
Steyr
Subaru
Suzuki
T
Talbot
TATA
Tatra
Tesla
Think
Tianma
Tianye
Tofas
Toyota
Trabant
Triumph
TVR
V
Vauxhall
Vector
Venturi
Volkswagen
Volvo
Vortex
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Willys
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Xin Kai
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Zastava
Zibar
Zotye
ZX

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.

OSAGO insurance, popularly called motor vehicle insurance, is, so to speak, a kind of test drive of the driver’s civil liability.

The presence of such insurance is mandatory by law, as it protects the property interests of road users.

Having MTPL insurance, you will be freed from financial losses in the event of an accident or other incident on the road that occurred due to your mistake. Also, if you turn out to be a victim, you can be sure that you will be paid for the damage. If the victim herself is to blame, she will also be forced to pay you compensation.

How does the procedure for obtaining compulsory motor liability insurance work?

When applying for MTPL insurance, you must have certain documents in your hands:

A document confirming your identity (for example, a passport).
A copy of your driver's license.
Copy of PTS.
A copy of the document confirming the registration of the car.
Diagnostic card or document confirming the completion of maintenance.

If you are not the only driver who can drive a car, you need to have copies of the licenses of all persons who are allowed to drive a vehicle.

The requirements for the necessary documents for obtaining insurance from insurance companies are practically the same.

How much does a compulsory motor liability insurance policy cost in Moscow?

The price of a car insurance policy does not depend on the insurer. If you are offered a certificate “at an attractive price,” you need to be wary: it is possible that the prospect of becoming the owner of a “linden” has arisen.

Drivers should know: no insurer can include its “interest” in the price of a car policy. MTPL tariffs adopted by the Russian Cabinet of Ministers are fixed throughout the Russian Federation. This means that in Moscow they will be the same as in any other locality in the country.

The main component of the certificate price is the base rate. It depends on the purpose and technical features of the vehicle. In addition, the insurance rate includes a number of coefficients related to probable risk factors on the road. These include:

place of use of the vehicle (the more people in a populated area, the more cars on highways, and therefore the risk of accidents; in this regard, the highest territorial coefficient is in Moscow; the lowest in Chukotka);
presence/absence of accidents over the past period (after an accident-free year for the driver, and therefore a break-even year for the insurer, a 5 percent discount is provided for compulsory motor liability insurance; if an accident occurs, the culprit loses the bonus and must accumulate it again);
vehicle power (a powerful iron horse on the road is a high-risk object);
age and driving experience of the insured (the most dangerous drivers from the point of view of car insurance are persons under 22 years of age and who do not have 3 years of driving experience);
the number of people included in the policy (an unlimited number of drivers will double the cost of the vehicle license);
car insurance period (the longer it is, the cheaper the policy).

Is it possible to do without MTPL?

Today, when the price of the policy has almost doubled, some drivers are trying to save money on it. They reason like this: why buy insurance if you don’t break the rules and don’t get into an accident?

However, the dubiousness of these arguments will be shown by the very first “rendezvous” with the road inspector. It is unlikely that, in the absence of a certificate, he will make a discount on exemplary behavior or driving skill. In addition to a fine (up to 800 rubles), such a would-be economist faces a mark on the ticket and recording of information in the database of offenses.

Is it worth counting on “maybe” to get into such troubles?

Where to buy compulsory motor liability insurance in Moscow online?

You can purchase a vehicle license online – easily, quickly and safely – on our company’s website. This will save you from many inconveniences: unnecessary trips and gasoline costs, disruption of the usual rhythm of life, changes in your plans, loss of time, communication (not always pleasant) with office clerks, collecting and copying documents.

Our online service has nothing to do with these hassles. We invite you to spend a few minutes learning everything about everything.

Our registration procedure is simple and comfortable. The minimum required of you is to compile and send us an online policyholder application. The rest is up to our experienced specialists. Auto insurance ordered in this way has the same legal force as a policy purchased at the insurer’s office.

Reliable OSAGO calculator in Moscow

On our website you can also instantly calculate the cost of compulsory motor liability insurance. To do this, you do not need to take out your pocket calculator - you can use our automatic one.

Its program contains the current calculation formula. Enter the requested data into its fields - and in a moment the exact result will appear on the monitor of your PC. The risk of error is eliminated - the reliable software functionality of our web resource guarantees this.

Doing business with us is profitable because:

remote policy issuance - convenient and safe;
24/7 online work will not limit your time;
We will provide you not only with the speed of processing and accuracy of calculations, but also with the confidentiality of the information entrusted to us;
Our specialists are real professionals in the field of auto insurance: they have extensive experience, high qualifications, and an individual approach to any client.

Registration of a motor vehicle license with our help is beneficial in all respects.

How to buy car insurance online

OSAGO (“citizen”, “automobile”) is compulsory motor third party liability insurance. Without this document, driving a car is prohibited by law. OSAGO insures the driver's liability to third parties - if your behavior on the road causes damage to someone else's vehicle or physical harm to passengers, the insurance company will compensate for it instead of you.

Content

For quite a long time, compulsory motor liability insurance has been the subject of speculation and fraudulent activities. Agents and insurance companies issued fraudulent forms and defrauded buyers. To solve this problem, the Internet was brought in. Now a complete list of insurance companies that officially operate within the framework of the law is posted on the RSA website. By choosing any site from the list above, you will definitely not stumble upon scammers.

How exactly can you apply for an MTPL policy online and is it such a panacea as it seems at first glance? How to get a policy when buying a used car? Is it possible to keep the current MTPL insurance for a used car from the old owner? We will answer these and other questions below.

Websites for purchasing a policy

Where to buy insurance online? In response to a corresponding request, the search engine will return thousands of sites that offer similar services. It's good if you know a little about the online world, but what if you don't? How do you know which portal you can trust and which you can’t?

Many insurance companies already offer the service of purchasing their products online. In order not to worry about whether the insurance company operates legally, you can choose one whose services you or someone you know have used before.

Nikita Orlov, auto expert, general director of Podberi-Auto.Ru:

“Recently, cases of selling counterfeit MTPL policies have become more frequent. Unsuspecting drivers continue to drive with them until an accident occurs. And only after contacting the insurance company for payment, they find out that they made a fatal mistake by purchasing a policy in an unverified place.

To avoid becoming a victim of fraudsters, you must carefully choose the place where you purchase your MTPL policy. First of all, you need to refuse the services that are offered to you in a car parked near the traffic police station. Today he is there, but tomorrow he is gone.

So-called insurance brokers - organizations that offer insurance from several companies at once - will most likely impose an insurance company and additional services that are convenient for them.

It is optimal to decide in advance on the choice of company and look at the sales office closest to you. At the official office of the insurance company, you will probably buy an original insurance policy, and if you insure there for several years in a row, you have the right to count on additional discounts and bonuses.”

Another way to play it safe is to apply for compulsory motor liability insurance via the Internet on the State Services website. The procedure in this case may look like this:

You register on the State Services portal, fill out all the necessary data and double-check them before confirmation;
If the previous point is completed without problems, then you will automatically have the opportunity to make insurance online (“Services” – “Transport and driving” – “Electronic insurance”);
Choose one of those offered by the insurance company portal (only links to verified official websites of insurers are posted here);
Go to the company’s website and fill out an application for insurance, fulfilling all the requirements step by step;
You pay the bill, after which an electronic MTPL policy is sent to the specified address.

You just need to print it out and take it with you - as insurance companies assure, no signatures or seals are needed, nor is it necessary to exchange the electronic policy at the insurance company office for a regular one. Is it really? Let's find out further.

Applying for a policy online on the insurance company’s website. We can literally say two words about this procedure: the same as through State Services, but faster - you don’t need to register on two sites at once. As a result, you receive a valid electronic policy, which you print out and take with you.

How to apply for an electronic policy when buying a car

Some nuances may arise when purchasing MTPL for the first time via the Internet for a purchased vehicle. There are two scenarios here:

You bought a new car. You will have to issue an MTPL policy for it in person from an insurance agent, and not online, because without it the car will not be registered with the traffic police. After receiving the numbers, they can be entered into the contract by visiting the insurance company again. Accordingly, after purchasing a new vehicle, you will have to buy your first policy in person, rather than online.
You bought a used car. Everything is a little simpler here - you can insure your car online, but the procedure will be more complicated. This is due to the fact that when purchasing a used car, the data of the new owner is not entered online into the RSA database in exchange for the data of the old one. What should I do?

So far, only IC Rosgosstrakh offers its option for purchasing insurance online, taking into account this problem. After going through the steps of the calculator on the company’s website, you need to click the “Next” button. This will run a data check in PCA and generate an error. After this, you will see an online form for submitting documents to the registry. Make the necessary scanned copies, attach them to the form and click “Send documents for verification.” Typically, the data is processed within half an hour and entered into the register, which is immediately notified by email.

As you can see, there are still some features of applying for a policy via the Internet, but how significant they are for you is a subjective question.

Advantages and disadvantages of purchasing insurance online

There are a lot of disadvantages to buying a policy online:

The most common is system failures. Repair work on the server of the Insurance Company, the State Services website or the RSA is not uncommon, even during the writing of this article they could be observed several times. It should be noted here that failures in the system can delay the procedure for applying for a policy not only online, but also when visiting an insurance company, because agents also work with Internet databases.
Nitpicking of traffic police inspectors. Not every inspector can check the validity of insurance in the field. But this can always be done by calling the department - if the law officer who stopped you has questions regarding the policy, suggest this option for solving the problem.
The impossibility of obtaining insurance for a new vehicle via the Internet and the difficulties when obtaining a policy for a purchased used car, which we have already mentioned above. If you want to insure a car for the first time (no matter whether it is new or used), it is better to do this at the insurance company office, and in the future carry out the procedure via the Internet.
Registration of an accident under the European Protocol without the ability to check the validity of the policy on the spot is excluded.

And yet, due to its advantages, the number of people choosing to issue an MTPL policy online is growing every day:

There is no need to look for an insurance office, adjust to its work schedule, or sacrifice personal time to travel there. In addition, there is no need to communicate with the agent in person. Have you ever seen the insurance agent to whom you came to take out MTPL insurance, he did it, thanked him and said goodbye? Neither do we. Insurance company employees offer ten other insurance products that you don’t need - that’s their job. This is much more annoying and exhausting than it might seem at first glance;
Cashless payment when paying for the policy;
Saving personal time;
Simplified procedure;
This is a way to be 100% sure that you are purchasing a legitimate policy and not a fake one. Transactions are carried out only through the official websites of the company or State Services, and information about the policyholder and payment passes through secure encrypted channels.

Now you know enough about applying for insurance online. All that remains is to decide what is more convenient for you - to use the capabilities of the Internet or it is better to apply for compulsory motor liability insurance the old fashioned way.

Sale of electronic MTPL policies at competitive prices and with free delivery in Moscow

Order OSAGO – we will register it in the insurance company’s database. You can check the authenticity of the policy online on the RSA website

Receive the document within 2 hours - we will deliver it at a time convenient for you to any address in Moscow. Free delivery

Don’t overpay intermediaries - we sell policies at insurance prices, we have agency agreements

Don’t worry about your personal information – we comply with the requirements of Federal Law No. 152 “On the Protection of Personal Data”

Call tel. +7 (495) 109-06-30, if you are uncomfortable leaving a request on the site - we work every day from 10:00 to 19:00

Save from 1,450 to 4,000 rubles: we will help you get car insurance at the lowest price

Leave a request - we will call you back, clarify the details and within 30 minutes we will select the most advantageous offer. We know about all the current promotions of partner insurance companies - we cooperate with Ingosstrakh, Alfa-Insurance, VSK, ASKO. We will answer your questions in detail about registration, receipt and use of compulsory motor liability insurance.

The specialist will offer the most profitable option for purchasing an MTPL policy

Decor

Will issue insurance and send its number so you can verify authenticity

Agree with us on the time and place of delivery - the courier will deliver the MTPL without delay

Get an insurance policy and pay for it in cash or by credit card

OSAGO calculator: calculate the cost of your policy online

Leave your phone number, we will call you back and select the best offer

Buy MTPL insurance without risk, overpayments and loss of time

We issue electronic policies in accordance with the requirements of Federal Law No. 40 “On Compulsory Motor Liability Insurance” and cooperate only with reliable licensed companies from Moscow. Our principles:

Objectivity. Find out about the pros and cons of insurance - we will answer all your questions and tell you about possible pitfalls.
Honesty. Check the ordered MTPL policy before payment - to do this, enter its number on the RSA website or call the insurance company.
Taking care of clients. Ask for the insurance to be delivered at a time convenient for you - by agreement, we will deliver it even outside of business hours.

20 employees
on staff

300 insurance
per month

7 years in the
insurance

20,000 clients
trust

Insurance company partner certificates

Order an electronic MTPL policy – receive it today

Frequently asked questions and answers about electronic MTPL

Yes, to do this, go to the RSA website - indicate the series numbers and policy form numbers in special forms. Or call your insurance company and ask an employee to check the document against the database.

When calculating the cost of a policy, different base rates are used - according to Federal Law No. 40 “On OSAGO”, companies can set them in the range from 3,900 to 4,118 rubles.

The tariffs are the same, they are determined by the Central Bank of the Russian Federation. But we advise you to buy an electronic one - we will analyze the offers of 12 insurance companies and tell you about the most profitable option.

See if she has a license. Study the reliability ratings that are regularly compiled by independent auditing companies. Please note that with us you have nothing to worry about - we offer to buy electronic OSAGO policies from Ingosstrakh, Alfa-Strakhovanie, VSK, ASKO. These companies are licensed and are members of the RSA.

Yes, we offer to order MTPL for vehicle fleets of companies and organizations - check for detailed information about cooperation by tel. +7 (495) 109-06-30.

When purchasing a limited MTPL vehicle, only people who are included in the insurance will be able to drive the vehicle. If you choose a policy without restrictions, anyone has the right to drive a car.

We will deliver the policy to you within 2 hours after registration - we will definitely warn you if the courier gets stuck in a traffic jam or something happens. Open every day from 10:00 to 19:00.

This is an individual discount from 5% to 50%, which is calculated automatically - taking into account the period of accident-free driving and the level of payments for previous periods. The discount is tied to the driver’s license, and when the MTPL is without restrictions, to the car’s vin number and the car owner’s passport. If you are a novice driver, your BMR is 1 and a 5% discount will appear from the second year of insurance, subject to accident-free driving.

Your liability to third parties is insured in the event of a traffic accident and property damage:
1. Compensation for damage caused to the life and health of people: amount - 500,000 rubles.
2. Compensation for damage caused to the property of each victim: amount - up to 400,000 rubles.
For more detailed information, please contact our managers or see Federal Law No. 40 “On OSAGO”.

Moscow, Tulskaya metro station,
Kholodilny lane, building 3, building 5, office 2