Where is it better to insure the car for OSAGO? In what case does the car for OSAGO not insure?

Search insurance company for registrationmandatory OSAGO contract - the choice is responsible. Therefore, each car enthusiast asks where it is best to insure the car for MTPL to receive compensation for an accident.

How to choose an insurance company

Currently, the financial services marketthere are many insurance companies that offer to arrange an insurance contract. When choosing an insurer, it is necessary to pay attention to the following basic criteria.

Criteria that need to be addressed

Fame and financial stability. To do this, you just need to study the rating of insurance companies, see the authorized capital. You can see how many years the company is represented in the financial services market. Also, special attention should be paid to the amount of fees and payments. For a good and stable company this indicator should be 30 to 80 percent.
Branch network. Drivers who often travel should pay attention to the number of offices in other regions. If the company is represented on the whole territory of Russia, then it is possible to complete with full confidence the car insurance.
Customer Testimonials. In this case, it is not necessary to believe the reviews on the World Wide Web, it is necessary to communicate with relatives and friends who have faced the insurance policy and can give valuable advice on where to better insure the car for OSAGO.
The price of the contract. According to the law, unified tariffs are established for the OSAGO contract, which are in force in all insurance companies. If a representative of the company offers to sell you a policy at a reduced price, it is worth considering how it is legal. In most cases, compulsory motor third party liability insurance (MTPL) for discounted prices is offered by one-day companies or scammers. Therefore, it is necessary to buy a contract only in the official office of a large company.

where it is cheaper to insure a car osago

How to insure the car

Compulsory motor third party liability insuranceresponsibility. According to the law, each driver must acquire an agreement, only after that move on his vehicle. For registration of the contract it is enough to apply to the insurance company with a full package of documents.

You will need to have a passport, documents for the car, a driver's license and a diagnostic card. An insured under the contract may be any capable citizen.

it is impossible to insure the car for osago

Based on the submitted documentsthe representative of the insurance company will calculate the premium and formalize the contract. However, before signing the contract, many think where it is cheaper to insure the car of OSAGO.

To find the answer to this question, you need toto study the price policy of several companies and then choose the one that offers to formalize the contract at the lowest price with official discounts that are set for each accident-free year. Do not forget that many insurers are asking to provide the car for inspection.

The whole truth about insurance

Recently, many motoristsfaced with such a problem that it is impossible to insure the car for OSAGO. How to be in a similar situation, when you need to move around in your car, but getting a binding contract is getting harder and harder?

In practice, in order to acquire OSAGO, it is necessarypay for additional services. Typically, a representative of an insurance company includes life insurance and a diagnostic card. In the event that a diagnostic card is available or not required, insurers replace it with apartment insurance.

As a rule, car owners simply resent, but acquire OSAGO with "load", because they do not want to violate the law and move on the road without a policy.

But what if there is no desire to buy additional insurance? It's very simple, the insurer has no right to refuse, it can only offer two options for registration:

Buy a policy right away, but with additional services.
Write a statement, wait 30 days and provide the car in its purest form for inspection.

What option to choose, each policyholder decides independently. Insurers expect that in most cases, a policy is needed urgently, so customers will not wait.

Where to insure

OSAGO-compulsory insurance contract, whichmust be purchased by each vehicle owner. At the same time, it is necessary to approach the choice of the company responsibly. It is not necessary to address small companies, it is better to pay attention to large companies, which for years prove their stability.

When choosing a company, it is necessary to take into account, not where it is cheaper to insure the OSAGO car, but how to purchase insurance protection is safe.

Rating of the best insurance companies in 2015

Place in the rating	Name of insurance company
1	Rosgosstrakh
2	SOGAZ
3	Ingosstrakh
4	RESO-Garantiya
5	AlphaStrakhovanie
6	FAC
7	VTB Insurance
8	Consent
9	The Alliance (ROSNO)
10	Renaissance

Only after the rating is studied, you can choose which insurance company to sign the contract.

Fraud on the World Wide Web

Many motorists, wishing to save money,apply for the policy of OSAGO in Internet-reception, where many promise to sell the form of OSAGO at a bargain price. Thus so-called representatives of the insurance company offer not only a policy at a bargain price, but also free delivery to any place and time.

It would seem, why not take advantage of profitableservices. As practice shows, only scammers sell the policy through the World Wide Web. These forms are fake, and you can not count on an insurance payment in case of an accident. Such forms can only be provided to police officers in order not to get a fine.

Therefore, if you are looking for a better place to insurecar on OSAGO, do not believe in attractive prices and attractive delivery services. It is worthwhile to carefully check the form and the company before buying it.

Differences of a false form from the present

When acquiring a contract, it is necessary to pay attention to the following main points:

The first thing you should pay close attention to is paper. The original policy is dense and slightly rough. Fake is printed on a regular sheet of A4 paper.
This form is cleaned with watermarks and the SAR logo. If you look at the form for a skylight, you can see the inscription of the PCA.
Protective metal strip on the back of the policy, which is sewn into the blank.
The size of the policy. The fake has the A4 format, the original is slightly longer.
The form number is located in the upper right corner. At the original form it is convex to the touch.
Like bills, original forms are protectedred and green villi. Red can be easily seen on the clearance on the back of the form. Green villi can be seen only through ultraviolet.

Checking the license of the insurance company

If you decide to insure the carOSAGO, it is worth checking the existence of a valid license from the insurance company. You can check the license on the official site of the RSA in a special section. All you need is to drive a ten-digit number of the MTPL policy. After that, a table will appear, which will indicate the date of shipment of the insurance company, the name of the company and the availability of the license.

You can check the availability of a license instantly via your mobile phone when you sign an insurance contract.

Making the policy

It turns out, if you do not know where to insurecar on OSAGO, it is necessary to carefully study the rating of insurance companies, choose a large and stable. When making a contract, it is necessary to check the company's license and the form for reliability. Now you know how and where it is better to insure the car for OSAGO.

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