In April-May, the Central Bank will check insurers that abuse the substitution system for electronic sales of OSAGO, said Igor Yurgens, president of the Russian Union of Motor Insurers (RSA). This is a system that redirects clients who, for technical reasons, could not conclude a contract on the website of one insurer to the page of another insurance company. She has been working since the beginning of this year.

A number of companies are abusing the system and sending customers to the sites of replacement insurers, not for technical reasons, but because they "don't like" the customers themselves, Yurgens said. “If we don’t overcome this – the Central Bank didn’t make a secret out of this – in April-May it will come out [to insurance companies] with checks,” Yurgens threatened. The regulator may prohibit such insurers from selling electronic OSAGO through the substitution system, Yurgens warned, noting that now "much depends on the decent behavior of insurers."

The Central Bank will check how e-OSAGO is being sold, focusing on why insurers send customers to competitor sites. If violations are found, the regulator will take supervisory measures, but it also counts on the help of the RSA sanctions, the representative of the Central Bank said.

Recently, the PCA approved a system of fines for refusing to sell electronic OSAGO - 20,000 rubles. for each proven case of intentional refusal, but not more than 200,000 rubles. per month. If the insurers still do not stop the abuse, the union will cancel the ceiling of 200,000 rubles and then increase the fine, Yurgens said. Large insurers are interested in maintaining the replacement system, so they should take on clients that the replacement insurer has abandoned, this will avoid sanctions from the Central Bank, he says.

The electronic policy replacement system was originally created in the interests of the largest insurers, who, with its help, shifted part of the losses to others, Sergey Gushchin, general director of MSK Strazh, is categorical. But its abolition will not help, he admits: employees and agents of large companies will issue policies for "unnecessary" customers on competitors' websites. “If they are contacted, for example, by the owner of a taxi fleet (unprofitable segment), they will issue him an electronic policy on the competitor’s page, and he will be obliged to accept such a client,” he explains. MSK "Strazh" does not suffer from "artificial selection", says Gushchin: "We have a high share of sales of electronic OSAGO policies, so we have not yet been a replacement insurer."

The OSAGO sales substitution system was created to fulfill the requirements of the Central Bank to ensure the availability of sales of motor vehicles in toxic regions, recalls Ilya Solomatin, Deputy General Director of Ingosstrakh. The problem with sales is not the selection by large insurers, but the unwillingness of a number of companies, especially small ones, to sell policies online, he said. The entire “anti-selection” took place at the turn of 2016-2017, says Solomatin: it is during this period that the peak of OSAGO sales falls, then there is mainly a renewal of policies, so the portfolios of the companies have already been formed. There is nowhere for new unprofitable customers to come from, he believes: the car fleet in the country is not growing and the growth of electronic sales only speaks of the flow of paper customers into them.

25 / 09 / 2017 4 999

What to do in case of an insured event if, due to PCA, the e-OSAGO policy was issued by an insurance company from another region?

Buying a policy and choosing a company

Good afternoon! Please clarify the following situation: I tried to insure a car under OSAGO on the Rosgosstrakh website. I'm not doing this for the first time. At the last stage, I was redirected to the PCA website. I calmly went to the PCA website, thinking that these were just new insurance rules.
As a result, I bought an electronic policy (the amount is the same as that calculated by Rosgosstrakh), and only after I received it by mail (mail.ru), I realized that the insurance company was not Rosgosstrakh at all, while in the process of buying there was not a word about the insurer, but some kind of "Dalakfes", located in the Far East! They don't have representatives in my area.
I have the following questions. What does this mean for me in the event of an insured event? How does this kind of redirect happen? Why, in this case, does the PCA not select an insurance company in this region? Now I understand that after I purchased the OSAGO policy, that is, I paid for it, I no longer have a choice!

Answered by Alexander Zagorodsky expert

Let's start with how it happened that you purchased a policy from the wrong insurance company where you were going. Many car owners complain about the impossibility of issuing an electronic OSAGO due to constant failures in the websites of the most popular insurance companies among the population. For this reason, the Russian Union of Motor Insurers has put in place an insurer substitution system for cases where e-OSAGO registration is not possible due to a malfunction of the website of a particular company.
The system was introduced recently, its work is not fully debugged, so situations like yours periodically arise. To help debug the operation of this system as soon as possible, you can leave a request with a description of the current situation on the official website of the PCA .
There is nothing particularly terrible in buying an OSAGO policy at the Dalakfes insurance company. This organization has representatives in all regions of Russia. You can find the full list of representatives of the insurer on the official website of IC "Dalakfes", in the section "List of representatives for OSAGO ". It is to such representatives that you need to contact in the event of an insured event, if the settlement of damage is to be done within the framework of direct indemnification (DCL).
If you wish to report an insured event directly to Dalakfes, you have the right to send a claim for damages and all related documents by registered mail. At the same time, it is worth sending such a letter with a mandatory list of investments so that the insurance company cannot refer to the absence of any of the documents you sent.
If you need to change the terms of the contract, you can again resolve the issue remotely, through the official website of IC "Dalakfes", which provides for a change through your personal account following conditions of insurance.
- Information about the drivers allowed to drive the vehicle.
– Data of the insured and the owner of the vehicle.
– The period of use of the vehicle.
- Information about the vehicle.

Starting from 2017, insurers will be able to use the websites of other members of the PCA in the event of a halt in sales of e-policies for OSAGO

Compulsory auto insurance insurers (OSAGO) will "insure" the continuity of sales of electronic policies by connecting the websites of other members of the Russian Union of Auto Insurers (RSA) from the beginning of 2017, the union said, citing Igor Yurgens, President of the RSIA.

The corresponding decision was made at an extraordinary general meeting of the PCA on Thursday.

"The community decided to implement the positive experience of the principles of a single agent of the PCA when selling paper policies and developed a "safety net" system for replacing an insurer in e-OSAGO. which will be offered at random by the number of the title (passport of the vehicle - IF-AFI). The decision will provide the highest possible degree of protection of consumer rights to conclude an OSAGO agreement and balance the work of insurers," the press service quotes I. Yurgens.

A similar procedure for "mutual assistance" is currently used when organizing a sales system through a single PCA agent for ordinary paper CMTPL policies. The rotation uses the policies of all licensed insurers.

Participation in the replacement system is mandatory for all members of the RSA, the message emphasizes. A "substitute" insurer may not refuse to conclude an electronic contract. To do this, PCA will provide insurance companies with the necessary number of electronic policy numbers.

The RAMI has already prepared the necessary changes to the rules of professional activity, they will be submitted to the next meeting of the RAMI presidium.

As previously reported, in mid-November, the Bank of Russia determined the requirements for the uninterrupted and uninterrupted operation of the websites of insurers and the PCA during the electronic sales of OSAGO policies. Thus, the total duration of a break in the work of the insurer's website should not exceed 30 minutes per day. If it is necessary to carry out planned technical work, the insurance company will be obliged to place a notice on the main page of its website at least a day before their start, indicating the date and time of their completion. Insurers will be able to carry out such work no more than once a month from 22:00 to 8:00 Moscow time.

The Russian Union of Motor Insurers (RUA), together with the traffic police, is assessing the provision of technical inspection points for the territories of the Russian Federation as part of preparations for the entry into force of a new law on technical inspection from June 8, 2020, Deputy Executive Director of the RUA Sergey Efremov said at a press conference in...

To understand why Rosgosstrakh sends a replacement insurer to the site, you need to understand that these are problems with the functioning of the page. For safe work, it is proposed to go to the "substitute insurer" page. Let's try to figure out why this problem occurs and how to solve it.

What is a replacement insurer and why Rosgosstrakh redirects to it

All companies that have the right to the official distribution of OSAGO are united in a common group of the Russian Union of Motor Insurers. In turn, they divided the cars, according to the state number of which you can distinguish which organization they belong to.

Territorial affiliation does not play any role, so your number can be assigned to an insurance company from another area. Although each organization, in addition to the main office, has a number of branches that are located in each region. Usually, the distribution occurs depending on the amount of capital and the leadership of the insurance company. That is why Rosgosstrakh got the largest number of vehicles, unlike other firms.

This program was created to prevent illegal agreements and obtaining "poor quality" insurance policies.

What is the reason for the failure

Not all insurance organizations agree to insure certain areas, sometimes cars or drivers simply do not fit certain criteria. For fairness, it was introduced that every company is obliged to take not only honest, but also "bad" customers.

In the field of providing services for OSAGO, such criteria are implemented in this way. Russian legislation states that if an insurance organization is unable to provide services to a client due to technical violations (although no one can guess this is a site problem, or it was simply automatically determined that you are an unnecessary client), then the site must redirect the user to replacement insurance organization, which is determined by the number of the title.

That is why the page gives such a strange error as the risk of interruption of continuity. this phrase is an integral part of the law. With this law 2011 N 27, Art. 3872, can be found.

By going to another page, they should provide you with all the necessary insurance services. If failures and failures occur there, then this insurance company is subject to penalties.

What to do in such situations

The first thing to do if you need to get insurance from a given company, on the page that you visited initially, you need to change some of the entered values. For example, you need to change drivers with bad KBM to multidrive. In some cases, this allows the system to let you go further to make a payment and buy OSAGO.

If there is an error and a redirect, then it is better to use it and buy an insurance policy from a replacement organization, because. there is a much higher percentage of receipt due to high penalties from the central bank.

Although no one promises 100% guarantees, however, the replacement insurer does not have the right to refuse you the service due to technical malfunctions, so you can try. You also need to take into account the fact that you need to upload screenshots or copies of documents, so if they do not look in accordance with the AIS RSA database, then the insurance agent must check them and add them to the lists on their own.

Many drivers are afraid to receive OSAGO in this way, because the replacement insurer is a practically unknown organization that does not have branches in their region.

No matter how suspicious it may be, this is clearly stated in the OSAGO legislation. Each organization engaged in insurance must have an official borrower on the conclusion of OSAGO. For small companies, this role is given to large insurers, such as Ingosstrakh, Rosgosstrakh. In this case, when unforeseen circumstances arise, it is necessary to go to the branch.

To learn more about who supervises your region, you can call the hotline or on the official website of the replacement insurer. For simplicity, you can familiarize yourself with the list of representatives of insurance organizations in Moscow and the regions.

Substitute insurer on the PCA website

The Russian Union of Motor Insurers in 2017 created a new rule. In order to ensure guaranteed registration of OSAGO, the site visitor is redirected not only to the replacement site, but also to the PCA page. There, the client has the right to buy an insurance policy from a replacement company. Although this innovation has not yet really entered into force.

On July 25, PCA introduced e-Garant into the system. In addition, the “Go with data transfer” function most often does not work. Such an error implies that it is necessary to enter again the personal data of the passport, title, driver's license on a new page.

Output

When this transition appears, you should not panic, but simply follow the proposed scheme.