From what date are new OSAGO forms introduced. New OSAGO policy: what to expect from a color change

In 2016, the Russian Association of Motorists (RSA) introduced improved mandatory car insurance policy forms into circulation.

From the previous forms, they differ in color and improved protective elements. Auto-Service insurance broker will tell you in detail about how OSAGO looks like in the new version.

The policy has radically changed colors. Now it has turned pink (was a greenish color). The content has not changed much. For clarity, let's go over the points.

Image 1: Header

Here the insurer puts a stamp with the company name and address. The series and number are indicated.

This information is stored in a single PCA database, where it can be used to verify the ownership and authenticity of insurance.

The period of validity (as a rule, it is 12 months) and the period of use of the car are immediately noted. Usually the car is used all year round, but you can specify something else (at least every other day). If there is not enough space in the insurance, it is supplemented by an application certified by both parties.

Image 2 Information about the policyholder, the owner of the vehicle (V) and the vehicle itself

Any person can be the insured, even not the owner of the car. But in the column about the owner, it is the owner that is indicated. Information about the car is entered strictly according to the documents. The purpose of using the vehicle is indicated - for personal or educational driving, rent, etc.

Image 3:Driver Restriction

The policy can be limited and unlimited (open). Opposite the desired item put a cross or a checkmark. You can add as many drivers as you want to limited insurance. If there is not enough space, the insurer must draw up an application.

But if there are more than three drivers, we recommend. It will be beneficial from all sides: both in terms of cost and operation (any person with a driver's license can drive). What does OSAGO look like without restrictions? Same way. Only in the column, instead of data on drivers, a dash is put (even the owner is not indicated).

Image 4: Data about drivers in OSAGO without restrictions

Image 5:Explanations on sums insured, cases and territory of validity of the policy

Image 6:Insurance premium and special marks

The figures indicate the amount of insurance premium paid. In the column below, the insurer can enter any important information for him. For example: details of the payment receipt, KMB, etc.

Image 7:Final part

The actual date of issuance is affixed. It may differ from the start date of the insurance, since a new contract can be concluded 30 days before the expiration of the old one.

At the end, information about the insured and the insurer is indicated. The parties put their signatures, the document is fixed with a round seal of the insurance company. Without it, the policy may be considered invalid.

What does an OSAGO policy with improved protection look like?

The background of the new insurance has become more complicated – the color smoothly changes from yellow to lilac, graphic patterns have been added. The font has been enlarged. Now you do not have to strain your eyes to read the text of the policy.

Watermarks have also become more complex: if you look at the light, you can see a car in the center, along the edges of the abbreviation PCA, located vertically.

For greater reliability, a diving metallized thread with the text has been added: the visible inscription "OSAGO" and the "Policy" observed through the light. Added QR code. It is located in the upper right corner and contains information about the insurer.

See what the OSAGO policy looks like with new protection.

Image 8: CTP policy with new protection

What does an electronic OSAGO policy look like?

Online insurance has been available since 2015. But so far this possibility has not become popular due to the mistrust of drivers and the fear of being deceived. But in vain. There is nothing terrible here, but out of habit you can get confused.

On April 21, RAMI President Igor Yurgens presented to the public a new form of the OSAGO policy of the 2016 model. The main purpose of introducing a new form is to protect against fake policies that flood the market for Last year. It increased the degree of security, added security elements used in banknotes.

The shown layout is still under approval, it may be subject to minor changes. But the main differences from the current OSAGO forms are already known.

What does the new OSAGO policy form look like?

In the photo below you can see the new OSAGO form shown by the PCA.

Let's list the changes that the form has undergone.

1. Color. New Form turned pink instead of green.

2. Background. The background of the form was made more complex, graphic patterns were added to it, the so-called color stretch from yellow to pink and lilac was introduced.

3. Font. The letterhead has been completely replaced with fonts. They are bigger and easier to read.

4. Watermarks. The current green OSAGO policy is also watermarked. But the new policy has more complex signs. They have changed the size and placement on the area of ​​the form. If you look at the gap, you will see schematic representations of cars. On the sides are added vertical watermarks in the form of the PCA logo.

5. Metallized thread. For the first time for OSAGO policies, a metallized thread has been added to the form. On which the text "OSAGO" is applied. The text “polis” is read through the light on the thread.

Only a metallized thread will complicate the life of scammers for at least 2 years. That is how much is required to debug the technology of its manufacture.

6. QR code. A special two-dimensional QR code will appear in the upper right corner. It will encrypt information about the insurance company that issued the policy.

In the future, information about the policy itself will be added to the QR code: data of the insured, car, information on accidents from the AIS RSA database.

Will the OSAGO form change further?

In the future, the form of a new sample will become more complicated and supplemented with information that was not previously indicated in the policy.

For example, the PCA promises that the policy will include a formula for the full calculation of the insurance premium with all applied coefficients, including the bonus-malus accident coefficient.

When will they start changing OSAGO policies?

The renewal of CMTPL policy forms in Russia will begin on July 01, 2016. The process will take place systematically, without sudden movements.

When concluding an OSAGO policy for a new period, car owners and drivers will begin to issue new forms.

At the same time, the current "green" OSAGO policies will operate in parallel with the "pink" ones and have the same legal force.

The cost of replacing the forms will be borne entirely by Insurance companies, and will not affect the cost of OSAGO. However, the cost of new forms, according to Igor Yurgens, has increased insignificantly - by only 1 ruble.

I am glad to welcome all my readers and subscribers to the pages of my blog again!

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

Since July 1, 2016, according to the March decision of the Presidium of the Russian Union of Motor Insurers (RSA), new OSAGO forms are being introduced, with enhanced protection against forgery.

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 benefits. 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 changed repeatedly. To date, the design of this document has a high match for ease of completion and readability.

There are no special 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;
• At the top left is a serial number unique for each document, 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 faked - in the right places, inscriptions made with a ballpoint pen are etched with various iodine compounds and peroxide, and anything is written in their place. Visually distinguishing such chemistry is difficult.

The structure of the OSAGO insurance policy

Cap

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 annual 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 management and indicate their serial number driving license(VU).

Items four through six

These paragraphs are purely informational - they contain relevant for the period of conclusion of the contract information of insurance legislation for 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 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, motorists were given the opportunity to buy electronic policy OSAGO, 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 a whole order, 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 buy OSAGO insurance from large companies and stay away from double forms filled out by hand - traffic police will suspect them in the first place, since 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.

By the way: do you believe in mermaids? To be honest, I'm not very good. But after watching this video, you will inevitably think: are resourceful newsmakers fooling you, or is there really a certain rarest species humanoid adapted to the aquatic environment. Judge for yourself how impressed I am by what I saw:

This concludes my post today. Expect soon the next useful materials, information about the receipt of which is most convenient for blog subscribers to receive - they will not miss anything.

If you liked some of my articles, then instead of the usual like, it's better to press the buttons social networks, spreading useful information over the internet.

Good luck on the road and see you soon!

A large-scale reform to replace documents for vehicles with almost 42 million motorists will take a lot of time. It will allow you to get rid of scammers, and also provide owners of official policies with premium payments and discounts.

We will tell you how the procedure for replacing documents on the vehicle will go.

Replacement of OSAGO policies in 2019

Receive new form policy can only at the office of the insurance organization must be visited in person.

In accordance with the plans of the Russian Union of Motor Insurers, the replacement of policies applies only to those motorists who have changed or received new policies since July-August 2016.

The procedure for replacing documents on the vehicle free.

You can also receive the finished document in person - but if you have a courier delivery, the specialist will bring a new certificate at the appointed time and place.

You can contact the company with this request at any time. The exact date for the exchange of policies was not set, therefore, to require the owners of the vehicle to issue a new document in mandatory regime will not.

The policy replacement process is divided into several stages.

Replacing insurance certificates will help:

1. Go to a new level of saving and protecting the data of car owners and their vehicles.
2. Suspend the activities of fraudsters who manufacture and sell fake policies, posing as official representatives.
3. Stop the uncontrolled distribution of old, unused policy forms.
4. Show car owners that it is easier for them to acquire a new certificate than to acquire an old one. By the way, having bought an old sample, they still have to buy a new policy.
5. Save for car owners all the benefits and bonuses that they can use if they draw up a new, official policy.

All the important points of the procedure for replacing OSAGO policies:

1. The procedure for replacing policies is completely free.
2. Forms of a new type are issued only to motorists who take out new insurance for the vehicle, for example - for a new car or for an old one, if the certificate has expired.
3. Owners of cars on which it is issued old policy, it will take a little time. They decide when they can contact the OSAGO service for a replacement: at any time or only after its expiration date.
4. Policies of a new type have a high degree protection. It is almost impossible to fake them completely.
5. Policy issuance tightened, issue a document strictly only to official representatives of OSAGO. In addition, the issued number of policies is strictly controlled. Surplus should not remain.
6. The insurer bears full responsibility for new forms.

Notice that in Russia there are 42 million cars for which it is required to issue a policy. Of this amount, 1 million is a fake.

This measure of introducing new documents will help to avoid counterfeiting and encourage motorists to purchase only official OSAGO policies.

Do I need to change the electronic OSAGO policy to a new one?

Future reform will not affect car owners with so-called "e-policies". They are stored in the OSAGO database, but motorists have a paper copy in their hands, and this is not a mandatory requirement.

You won’t have to replace it, and the electronic policy itself.

While in foreign countries there is a practice of presenting paper copies of such policies. Representatives of the traffic police say that for verification it will be necessary for the Russian to provide a printed version.

Any motorist can have an electronic policy, it can be issued through online form over the Internet.

Please note that from January 1, 2017, all insurers working with compulsory auto insurance are required to issue electronic OSAGO policies.

Today, such an e-policy helps vehicle owners avoid:

1. Payments for additional services that the insurer may impose. For example, life insurance and vehicle insurance are completely different concepts, but many insurers are trying to impose driver life insurance.
2. Incorrect calculation of the bonus-malus coefficient, which a citizen receives for safe and accident-free driving.

In addition, such a policy helps to solve the problem of exchanging paper insurance. In the future, you will not need to change any certificate at all, because the information will be entered into the motorist union system.

Is the old OSAGO policy valid in 2019?

Of course, if this policy is not a fake.

Notice a fake document will deprive drivers of existing discounts and bonus payments, for example - for trouble-free driving. By the way, the term for issuing insurance on the vehicle will also affect.

Here's an example: Citizen Ivanov bought a fake document for his car. He did not know about it and drove the car for 1.5 years. One day he was stopped by a traffic police officer and asked to provide a policy. Ivanov shamelessly showed the document. It turned out that OSAGO insurance was bought from scammers.

So, Ivanov had to change the policy. He lost his KBM premiums, as he did not take out auto insurance for at least 1 year.

What does the new OSAGO policy look like - a comparison of the new and old OSAGO forms

The obligatory insurance certificate for an old-type vehicle looked like this:

The new policy is now:

Let's tell you what has changed in the form:

1. The first thing that catches your eye is the color of the document. Now it's pink, but it used to be green.
2. The background clearly shows what graphic patterns have been added for protection. The most difficult thing is the color stretching of the color from yellowish to pink and lilac. It is unlikely that anyone will fake it.
3. The font of the written text, lines and paragraphs has become larger and more readable. Such letters are better perceived.
4. There are new, more complex watermarks. The size of the old signs has changed, as well as their location. If the form is illuminated, then on it you can see several cars and RCA logos.
5. Added a metallized thread with the inscription "policy". This is done for the first time! But experts say attackers will be able to manufacture the same thread within 2 years. Therefore, she will protect during this period.
6. On the form on the right, a two-dimensional QR code will appear at the top. With the help of modern technologies, a motorist will be able to find out from it information about his insurance company, information about the car, as well as data from the AIS RSA emergency base.

Of course, these are not all the protective elements and data that the new OSAGO 2019 policy contains.

OSAGO is binding document, which is available to every motorist. The policy is allowed to be issued in paper and in electronic format, but when buying it, it is important not to come across a fake, and not to pay scammers for a fake document. To do this, it is important to know what the OSAGO policy looks like.

What is the difference between paper and electronic policies

The electronic policy, in fact, is a complete analogue of the paper version. Its main advantage is convenience. The document can be purchased on the website of the insurance company. But there is a condition electronic document can only be received by a citizen who has already concluded an early contract with an insurance company and has a paper version of the policy.

From the point of view of legal force, these are the same documents that are of equal importance when provided to traffic police officers or to an insurance company. The electronic policy has been valid in our country since 2015. By appearance An electronic policy differs little from a paper one, with the exception of a micro-pattern, which is used for protection in the paper version.

Another difference is directly in the process of paperwork. When issuing an online document, there is no need to come to the office, and you are the services of a seller. It is important to note that the price of both options does not differ.

The data specified in the policy is available in both options. This:

• Name of the owner;
• make and model of the vehicle;
• also persons who are allowed to manage;
• PTS number;
• as well as the license plate of the car and the presence of a trailer.

The duration of the contract must also be specified.

What does an insurance policy look like in paper form in 2019

You can see OSAGO, how it looks in 2019, on the website of your insurance company. The main difference from the previous versions is the increased color protection. The policy has more than 12 color shades and several graphic patterns. The color smoothly transitions from yellow to lilac. For many car enthusiasts, the larger font has become a pleasure, which makes the document easier to read.

As with any official document that can be forged, watermarks are used to protect the paper policy. They do not interfere with reading the document, as well as filling it out. When you point the document to the light, you can see the features of the machine, as well as the PCA inscription, which is located on both edges. Since 2017, a metallized thread has been added to the policy, with the help of which the “policy” is written. There is also a QR code, which will appear on new-style policies from 2018. This is a quick response code, with which, having access to modern technologies, the motorist will be able to find out all the data about the insurance company.

In the future, with the help of this code, it will be possible to find out all the details about the owner of the vehicle and about the car.

These are far from all the improved degrees of protection that are present in the new OSAGO policy. At the same time, no one forces you to change old documents urgently for new ones. The policy of the new sample will come into circulation gradually.

What does an electronic policy look like?

First of all, when considering electronic OSAGO forms, a different color is striking in the photo. The electronic policy has a corresponding inscription. The series of the electronic policy is XXX, while the paper one is EEE. Unlike the paper option E, the policy does not need to have a large number of protection signs.

By law, a citizen has the right not to print an electronic document on a letterhead or to do it on a black and white printer. This should be enough. Starting from September 2015, according to the instructions of Igor Shuvalov, No. 13/12-u-6112 of the GUOBDD of the Ministry of Internal Affairs of Russia, all traffic police officers can and must check the OSAGO policy using the PCA database.

It is enough for the driver to inform the employee that he has this document. Since it is much harder to forge an electronic policy, and sooner or later a paper one can be faked anyway, the first option is preferable for most car owners.

Which policy is better to buy

When choosing an OSAGO policy, each car owner is guided solely by his personal opinion. Many are calmer when it lies in the glove compartment official document, and someone does not really want to go to the office and stand in long queues. Distrust of the electronic version is gradually decreasing, especially after they were allowed not to carry a paper printout with them.

Nevertheless, there are no fewer lovers of the paper version either. None of them loses in price, since the cost of both options is the same. The only difference is the time spent. In addition, most owners note that there are much fewer fakes in the electronic version, since the document is ordered online on a trusted site, and this is a guarantee of security. While paper documents are always in the sphere of interests of scammers. It is also convenient to pay for an electronic policy, since several methods are available.

Those who wish to issue an OSAGO policy in electronic form should know that they will not have to change their company. All insurers that are in the PCA are required to issue both paper and electronic policies.

Do you need a replacement

Since the beginning of 2018, a two-dimensional barcode has been applied to all policies (See paragraph three of paragraphs 1.2.1, paragraph 1.2 of the Central Bank Directive of November 14, 2016 N 4192-U). With its help, it will be possible to check the information specified in the form of the CMTPL electronic policy downloaded by the client using a single information system.

Many companies have been using coding for quite a long time, allowing you to check the completed OSAGO form, but only next year it will become mandatory for everyone.

The new rule comes into force on January 01, 2018. From this date, it will be possible to download the e-OSAGO insurance form only with a barcode. For another six months, until July 1, insurance companies will continue to use the old typographical forms, both when concluding new contracts and when providing duplicate policies. maximum term insurance is equal to one year, already by July 1, 2019, the circulation of printed insurance without a bar code will stop.

You do not need to apply to the insurer for renewal of insurance. As soon as the client has filled out the application and received the OSAGO policy, the obligation to compulsory insurance considered completed.

How to recognize a fake policy

Buying a fake is fraught with major consequences. First, your vehicle remains uninsured, respectively, if you get into an accident, you can get on a large sum money. Secondly, you are actually violating the law, according to which you need to drive with insurance. An electronic policy is very rarely forged; clone sites are used for this. This is the only way to fake an electronic policy. The paper version has more options.

With the introduction in 2017, the vector of regulators' efforts has shifted towards improving the mechanism for remote verification of information about an insurance contract.

The first step was the mandatory entry of information about the contract into a single information base. When a client contacts the office of the company, the operators enter the data on the contract into common system using special program to fill out OSAGO policies. During the purchase of insurance on the site, the client independently informs necessary information. After payment, he is given the opportunity to download the CMTPL insurance policy form with the seal of the insurer.

Now there are several ways to identify a fake. First of all, you can refer to the PCA database, using it to calculate whether there is such a policy or not.

If you do not have access to such a database, then you can inspect visually. First of all, the size. The real policy is 1 cm larger than the A4 format sheet. Watermarks in the form of a car and the abbreviation PCA are clearly visible, but at the same time they are not striking. The policy number, when felt, must have a convex structure.

In order not to fall for the bait of scammers, you should purchase a policy only from a trusted insurer, and also be wary of reduced prices. On the Internet, be sure to study all the reviews. If at the same time there are no negative opinions and neutral ones, then the reviews are not left by real people. In any case, care must be taken when choosing an insurer company.

Sometimes car owners knowingly buy fake policies, which is also a violation of the law.

When choosing an insurer with which to conclude an OSAGO agreement, it is necessary to carefully approach the study of companies. On the Internet, you can carefully consider the OSAGO policy of the new sample of 2019, upon receipt - then there will be a guarantee that your document is genuine.

If you don’t want to go to offices and stand in line, just order a policy from the company on the official website and wait for the courier. What insurance looks like can be seen on the Internet. Protection has become more reliable due to the metallic strip and improved watermarks.