How to renew the CMTPL policy: step by step instructions

What methods can be used to extend the CMTPL policy, is it convenient to renew the CMTPL via the Internet, what pitfalls await car owners and when the contract will have to be extended at the insurance office.

OSAGO is a policy of compulsory motor vehicle insurance, which provides for the protection of civil liability, not a car. And this is how it differs from Casco. Not so long ago, the extension of this document was a headache for motorists — it was necessary to collect documents, go to the office of an insurance company (IC), write an application, spend time waiting in line. But progress does not stand still, and today all happy owners of passenger cars can renew the contract with the insurance company not only offline, but also online.

If you plan to extend to the office of the insurance company, you need to collect a standard package of documents:

After that, you can go to the UK and write an application for an extension.

It is less labor-consuming to renew OSAGO via the Internet. It is important to have your own signature electronically. You can get it at the MFC or specially accredited centers. The service is paid.

If you have an electronic signature, you need to go to the website of your insurance company and follow a series of simple steps. You will also need the contact details of the car owner who renews the policy: his email address and contact phone number.

Important. The electronic signature is valid for 1 year. After that, they either prolong it or buy a new one.

First of all, you need to clarify what you are entitled to for accident-free driving — ask the insurer for information. And do not forget to look at the website of the Russian Union of Auto Insurers (PCA) — there may be additional bonuses.

Good to know. If you drive carefully, then each subsequent extension of the OSAGO policy will be cheaper.

Now you can start renewing:

You can check if the renewal was successful on the PCA website. Go to it and enter the details of your new policy.

Good to know. You can initiate the renewal of the contract 30 days before the end of the current insurance policy. The validity period of the document is 12 months — set by default, or a shorter period — specified manually. In order not to forget to go to the IC website in time, make the auto insurance contract prolongation automatic.

Most often, car owners are faced with the problem that their policy data is not in the database. There are two reasons for this situation — a systemic failure and the human factor, when the IC did not submit information about its client to the PCA on time. He is obliged to do this within 24 hours from the date of the conclusion of the contract. If this time is overdue, there will be no information in the general database, which means that the car enthusiast will have to contact the company’s office and write an application for registration of the policy.

Fill out two documents at once — one will remain with you, the second with the policyholder. Your copy may be needed — if the IC refuses to enter the data into the PCA database, you will have to file a complaint with the Central Bank of the Russian Federation.

An error in online renewal of an insurance contract can be a trick of the IC, which thus forces the car owner to come to the office. It is impossible to impose additional services on a person through the Internet, which he often does not need. But doing it in the office is very easy. If you suspect the UK of untidiness, you can and even need to write a complaint to the RSA and the Central Bank of the Russian Federation.

Important. An expired policy cannot be renewed. In this case, new insurance is issued. This does not take into account the driving history of the previous period.

You will have to go to the office of the insurance company if:

After making adjustments to the document, the next extension can be carried out via the Internet.

In this section, we will answer the questions most often asked by drivers. This will help you quickly deal with the renewal of the policy.

No. There is no such possibility in the State Services. The portal acts only as a coordinator for car enthusiasts and insurance companies. You need to work through the PCA website — the Russian Union of Auto Insurers:

If you filled out the previous document via the Internet, you need to go to your personal account on the website of your insurance company, enter the series and number of the current policy. Then follow the prompts of the system — each SK has its own procedure.

If during the validity of your policy there was not a single insured event, the cost of the policy will be recalculated downward (the reduction bonus-malus coefficient — KBM is applied). If there was at least one insured event, you will have to pay more for the extension of the MTPL (a higher MTPL applies).

You can calculate the price using an online calculator — available on the website of all insurance companies. You will be prompted to fill in the fields:

The document will become invalid. If you get caught by the inspector, you will receive a fine: 800 rubles. In the capital region, everything is automated — video cameras record violators. Fines are issued here automatically. In addition, an untimely renewal of the policy may deprive the discount — KBM will be reset to zero.

E-OSAGO is equivalent to a paper one, it is stored in your phone, and therefore it is always nearby — it is impossible to forget. But just in case, it is still recommended to have a traditional document with you, so as not to bicker with the traffic police inspector if he suddenly starts to «download the rights» and prove that he will not look at the electronic policy.

Matador.tech has a service

Photos are taken from open sources.

It is interesting: