Electronic insurance policy: subtleties of registration, renewal and correction of errors. The user has not passed the PCA verification - reasons and how to fix them

Many car owners prefer to resolve insurance issues online to save time. But sometimes, when filling out data on the site, they are faced with an alert warning that the user has not been verified by RESO-Garantiya. There are several ways to solve the problem.

What does it mean

Even car brands may be written differently in different insurance companies, for example, “Hyundai” and “Hyundai”

The essence of the error is that the user could not pass the verification automated system. Such a notification means that the person’s data entered on the website does not correspond to the information that appears in the database of the union of auto insurers.

PCA is currently working to simplify data verification requirements.

Causes

Checking PCA in electronic OSAGO policies is a mandatory procedure: you need to enter information about your car, yourself (passport details) and drivers who will be allowed to drive

There are three main reasons for this problem:

• Entering incorrect data. You should carefully check all the information entered in the appropriate fields. Perhaps there was a mistake made somewhere.
• There may be a discrepancy between the actual data and those indicated in the PTS. In this case, it is better to check the data with the COP (certificate of registration). This is where the information that is put into the automated system is contained.
• Erroneous information may have been previously entered by an agent of the insurance company that issued the previous policy. In this case, you should write to the company’s technical support and wait for a response. This usually takes no more than 1–2 days.

How to fix

Without a positive check, you will not be able to proceed to paying for the policy.

If it is discovered that there is an error in the database itself, then you can simply duplicate this error. That is, deliberately enter data with the same typo that was originally made. But in the future you should contact the insurer with a request to update the information. This will eliminate possible difficulties in the event of an insured event.

If the current policy is still valid, then you can simply contact the insurer directly and ask to change the information to be accurate. As a rule, updated data appears in the system within a couple of days.

Thus, if an alert appears during registration of a policy, you should carefully check all entered data. If necessary, you should contact your insurer.

Recently, vehicle owners can take out insurance in the form of a paper document or a digital record, called e-OSAGO.

Let's examine the implementation of these initiatives in practice and consider all the problems that a policyholder may encounter when purchasing a policy online. First, we should mention several points in which the e-OSAGO electronic policy provides clear advantages in comparison with its traditional counterpart.

Filling out electronic MTPL has the following advantages:

• providing drivers with the opportunity to obtain insurance without leaving the computer;
• solving problems of queues in insurers' offices;
• eliminating difficulties with the artificially created “shortage” of policy forms;
• combating the unfair policy of insurers in imposing additional services;
• reducing the cost of printing forms with different degrees of protection;
• ensuring companies save money on employees (automation makes it possible to reduce personnel);
• providing insurers with the opportunity to refuse to maintain some offices, the demand for which should decrease.

As with many other innovations, a number of problems have arisen with electronic policies. They are associated with both technical and commercial reasons.

1. Problems when registering a document through the website. The number of motorists who wished to obtain a policy in this way exceeded the capabilities of the technical infrastructure. The problem is related not only to the overload of the servers of the insurance companies themselves, but also to the inability to service such a number of requests coming to the database RSA - Russian Union of Auto Insurers(information about each insured person is stored by this association).
2. Lack of information about vehicle registration in the database. One of the significant problems is the difficulty in exchanging data between the traffic police and the RSA. If the transfer of updated data occurred with errors, then information about the existence vehicle the client may simply not be there.
3. Lack of technical inspection data. One of the conditions for obtaining a policy is a valid diagnostic card. Data about it may also not be available on the RSA server and the system will not allow you to issue compulsory motor liability insurance.
4. Inability to apply a reduction factor for accident-free driving. If the policyholder does not cause an accident, he is given a discount that accumulates every year. It can reach half the cost of the policy. For some reason the coefficient cannot be applied.
5. Regional restrictions. Insurers provide the opportunity to purchase a digital policy only to residents of certain cities. They explain this by the “toxicity” of a number of regions. By this, companies understand the prevalence of “ fraudulent schemes"and the unprofitability of activities in such territories.
6. Problems for non-residents. These difficulties are associated with regional restrictions. If a citizen lives in the capital, but is registered in another city, it will not be possible to obtain a policy. In some cases, an absurd “verification” of the client is provided, lasting up to 30 days.

Some actions of insurers specifically encourage clients to refuse to issue electronic MTPL:

• reference to a certain limit regarding the number of digital policies issued per day or month;
• generating passwords containing characters in Cyrillic and Latin simultaneously;
• deliberately limiting the methods of payment for the policy;
• charging fees for transferring funds.

All of the above is intended to force the user to come to the office, where he will be forced to purchase insurance along with the imposed services. Insurance companies are trying in every possible way to increase the margins of insurance, which in terms of compulsory motor liability insurance in some regions of the country is simply unprofitable due to the activities of auto lawyers. Determine the possibility of registration electronic policy You will not be able to purchase other company products on the site.

Such a policy violates the law, and the corresponding requirements on the company’s portal will become irrefutable evidence of its guilt. Such actions of insurers often force them to file complaints against them Rospotrebnadzor And Bank of Russia .

Important: Don't be shy about complaining to insurance companies. In practice, the attitude towards the client after receiving money is so unpleasant for most of them that you need to have the proper restraint and be able to correctly and reasonably file a complaint.

Step-by-step instructions for registering e-OSAGO

Taking out a policy from different insurers has its own characteristics. Without going into too much detail, we can identify a number of general stages.

Creating an account for your personal account. To gain access to electronic insurance, you will have to create an account on the company's website. To do this, you need to fill out the form provided, entering the following personal data:

• Full name;
• passport details;
• information about the date and place of birth;
• registration address;
• Mobile phone number;
• email address.

Checking the entered information. Driver information is verified against data centralized base RSA. If data about the policyholder is included in it, then to the user by email or mobile number will send access parameters to account(password and login).

Filling out the application. In the form on the website you will have to enter information about:

• the policyholder (personal data specified above);
• car (the requested data is transferred from the registration certificate);
• characteristics of the future policy (validity period, periods of use of the car and start date);
• citizens who will use the car.

Checking the entered information. All information will be compared with the contents of the RSA database. If the information is indeed included in it, the user will receive a notification with a calculation of the cost of insurance and the procedure for payment ( bank cards and/or electronic money), as well as the address to which the electronic document will be sent. When the application does not pass the verification, the company will indicate the reason for the refusal and offer to correct the request.

Payment and receipt of insurance. After transferring the money, the company will send the policy itself to the client’s email address.

You can print the document and take it with you. Its paper version will be confirmation of the registration of compulsory motor liability insurance electronically.

Errors when registering e-OSAGO and their consequences

There is a risk of making mistakes when filling out the application. Examples are:

• incorrect indication of the car model;
• typos in the full name of the owner, policyholder and authorized drivers;
• errors in the number;
• inaccuracies in specifying the details of registration documents;
• errors in the series or number of the driver's license;
• indicating the policyholder as the owner of the car (if these are different persons).

Let's understand the consequences of such mistakes.

If the insured driver gets into an accident, the company does not have the right to refuse to pay the victim, since the policy was issued. This does not mean that the driver can ignore the inaccuracy. Problems may arise with the traffic police officer. He will most likely take a formal approach and fine the driver for lack of insurance. The policy is checked not only in the event of an accident, but also during any stop.

Regardless of the nature of the inaccuracy in the document, the driver is recommended to take care of how to correct the error in the electronic OSAGO policy.

According to changes in the law on compulsory motor liability insurance in 2014, it is now provided direct reimbursement losses from your insurer. A victim of an accident has the right to appeal to his insurance company. You can read about this

A number of unscrupulous citizens deliberately distort information about themselves. This is due to the desire to minimize insurance premium. Examples include:

• underestimation of horsepower;
• false information about the registration of the policyholder in the territory rural areas(the lowest territorial coefficient is provided for such owners);
• overestimation of driving experience.

All of these options will not work if you have already taken out insurance in connection with owning this car. When the car is new, this possibility exists. In this case, the deception will be revealed the next time you contact the company (to change the insurance parameters or due to its renewal).

If fraud is detected, the insurer will require additional payment. If an intentional mistake is established after an accident, the company has the right to file a claim for reimbursement of payments made to the victim against the unscrupulous client.

Important: All information about the vehicle and driver for registration of E-OSAGO is accumulated in the RSA database. Thus, before receiving the first electronic MTPL in mandatory you will have to issue your first paper policy.

How to make changes to electronic OSAGO

One of the necessary services for electronic servicing of policyholders is the ability to comfortably make adjustments to an already completed document. Let's figure out what to do if an error is detected in the electronic MTPL, and in other situations when it is necessary to enter new information or parameters.

Reasons for adjustment electronic document the same as for the paper version:

• adding new drivers;
• changing the details of a driver’s license in connection with its replacement (although there is no obligation to change the insurance, there is a risk of becoming a victim of an unscrupulous traffic police officer who “will not notice” the mark on the previously valid document);
• obtaining a new passport;
• change of residential address.

Unlike the procedure for selling a policy, the law has not addressed the issues of introducing new information into it. This means that the only legal mechanism for changing data in MTPL insurance is to appear in person at the insurance company. In this case, specialists print out a paper version of the document and the policy ceases to be digital. The validity period and other terms of the agreement remain the same.

There is a possibility of being refused by office staff. This may be explained by the fact that the premises are occupied not by the company itself, but by its brokers - agents who have the right to conclude new MTPL contracts on behalf of the insurer. Another reason is often the desire of employees to impose an additional policy. They associate the opportunity to reissue a document with the purchase of another service. Such actions are illegal and you can complain about company representatives to higher management or to regulatory authorities (Rospotrebnadzor, a territorial division of the Central Bank of the Russian Federation, the financial ombudsman).

A number of insurers provide clients with the opportunity to adjust some document parameters through their personal account. With the growing popularity of digital insurance, there is a high probability of providing full service, providing for changes to the electronic OSAGO policy.

Extension of the MTPL policy and replacement of the insurer

When using a digital policy, the problem of its renewal arises. A year after registration (in some cases even earlier), the client will have to receive new document. The specifics of its design depend on the specific insurer. The procedure will include a number of general steps.

1. Passing technical inspection. Required condition To renew your insurance, you need to have a current diagnostic card. If it is missing, you will have to get it at any service station that provides such services.
2. Filling out data in your personal account. You must go to the insurer's website and enter your account login and password. Many companies provide the possibility of simplified renewal of compulsory motor liability insurance. Just follow the appropriate link and enter information about the number and date of registration of the diagnostic card.
3. Data checking. If the information is confirmed, the system will offer to proceed to payment for the document.
4. Payment and receipt of the policy. After the money is transferred, a new document will be sent to your email address, as with the initial registration.

Important: In subsequent years, policy renewals will be done online. Some insurers provide a service for extending insurance issued on on paper, in electronic version. To do this, you need to register on the website and enter the details of your expired policy.

To others important point is a transition from one insurance company to another. The most pressing issue is maintaining the discount provided for accident-free driving. The functionality of your personal account does not provide the ability to register a bonus-malus coefficient.

To issue it, you will have to provide the insurer with a previously issued policy. The fact of driving without an accident for the previous year will be established upon request to the client’s previous company.

ABOUT latest changes in the law on compulsory motor liability insurance of 2017, which provided for the implementation of payments under compulsory motor liability insurance in “ in kind", i.e. in the form of repairs at authorized service stations, you can read

Given the recent emergence of the ability to issue a digital policy, there are many gaps and problems that significantly impair the service provided. Over time, they will be eliminated and the popularity of electronic compulsory motor liability insurance will become significantly higher.

Availability insurance policy is mandatory for absolutely all car owners Russian Federation. Since 2013, the Russian Union of Auto Insurers has created a single base accounting, with the help of which the car owner can independently check information about his policy. In this article you will learn how to properly check a car at RSA.

Access to the RSA database is possible for any Internet user

Purposes of checking a car in the RSA database

The RSA database contains information about clients of insurance organizations and their cars. The data is updated by employees of insurance companies, so the register contains current materials at the time of the consumer’s request.

RCA is an organization founded in 2002 with the aim of protecting clients from fraudsters represented by organizations that do not have a license and the right to provide auto insurance services. Absolutely all information about the car, arrests and accidents is entered into the database, which allows any subsidiary organization to verify the client’s data and provide the appropriate insurance guarantees to the consumer in each individual case.

The unified RSA database includes the following information:

1. About the owner of the vehicle and the car itself, including the involvement of the car in the accident;
2. Data on the compulsory insurance contract;
3. Materials about the conditions specified in the insurance contract;
4. The relevance of the insurance, its status, information about the organization with which the contract was concluded;
5. The amount of payment under the contract in the event of an insurance accident;
6. Materials about the KBM coefficient. Existing or increased cost of a policy if the consumer defaults.

You can also find out about the persons who have the right to drive a car using the car owner’s license number.

The need for verification using the PCA database arises in cases where it is necessary to determine the authenticity of an insurance document or in the event of an insurance situation.

Checking the car in RSA

To check a car at RSA, you only need to have access to the Internet and basic computer skills. On the official website of the Russian Union of Auto Insurers, the user can find out all the data he needs by using the insurance policy number, car number or VIN code.

To check the authenticity of the policy and its terms and conditions, you must have an insurance number. To obtain information, you only need to enter the policy number and its series in special windows. All the necessary information will be revealed to the consumer in a few seconds.

To check the compulsory motor liability insurance, just enter the series and number of the policy

And also on the website there is a section “Information for victims and others about the availability of a valid OSAGO agreement in relation to a certain person or vehicle", in which any citizen of the Russian Federation can check the car he is interested in for the presence of an insurance policy under state registration numbers or car VIN code. Most often, this service is used to determine the violator of the law if the owner of the car fled the scene of an accident. This service is also often used by potential car buyers to check whether it was involved in an accident.

The single base has full information about the car, its owners, thefts, the presence of road accidents involving cars. The database is updated daily, so the resulting report is always true.

And today, customers are given the opportunity to renew their car insurance contract online. This can be done sixty days before the end of the current agreement between the company and the consumer. The client can independently enter all his data, the program will automatically check it with previously entered information and renew the contract with the insurance organization.

The data does not pass the RSA check

There are situations when the program produces an error when entering data. This problem may arise if the consumer made a mistake when filling out the fields, or if an employee of the insurance company entered the data inaccurately when applying for a policy.

If such a problem occurs, you should try to fill out the fields again or enter data with an error that is in the insurance policy.

If it turns out that the information is not being provided due to an error in the database, then you need to contact the insurance company and ask to correct the data on the policy. Making such a request only makes sense if it has not yet expired. The client has the right to be present when a specialist performs this procedure.

When checking your MTPL discount, you discover that there is no discount or it is less than it should be? gives an error message " 801 - KBM not found, standard class returned"? Perhaps everything is simpler than you think - maybe you were involved in an accident? But if you are still sure that your KBM is incorrect, read possible reasons errors that are outlined in this article.

You are checking your KBM incorrectly

First, make sure how accurately you assess your potential CBM.

• For every year trouble-free driving The discount increases by 5%, and the class increases by one. Exactly in a YEAR! If you only traveled for six months, you are not entitled to a discount. For example, if you included a spouse or friend in the middle of your policy.
• The discount is valid for one year after the expiration of the MTPL policy, and after that it burns out. If you have accumulated a good discount, and then took a break from insurance for more than a year, then you will have to accumulate CBM again.
• Maximum discount 50%, which corresponds to class 13 KBM. Therefore, do not be surprised if the previous class is 13, and the next one is the same.

The agent or manager deliberately hides your discount

Naturally, it is more profitable for the insurance company employees to sell you more expensive insurance in order to receive an increased commission. Therefore, they take advantage of the financial illiteracy of clients and simply do not give you the discount due to them, citing lack of connection with the RSA database.