Telegram vs CTP: as lock messenger affected the market car insurance

24 April 2018

As the hysteria spread to e-insurance

One of the most discussed news of the last weeks in the Russian media and society was a lock Telegram, owned by the founder and former owner of a social network "Vkontakte" Pavel Durov. However, this long-planned process has influenced a variety of areas, not even with it not connected. In particular, the Russian Union of motor insurers (RAMI) has warned about the problems with the design of electronic insurance policy. But where is the Telegram, and where car insurance?

developments

In Russia, there were calls to boycott the Telegram. The main reason for full message encryption for which the public authorities cannot get access to the correspondence of private individuals. The government has repeatedly appealed to the leadership of the messenger with a request to send encryption codes, but each time was refused.

Representatives of the Telegram has repeatedly stressed that, if the used encryption method to read the messages can only final destinations, but complete privacy is a priority of the messenger.

In 2018 the events began to develop rapidly. And although at a certain point began to feel that the government will not go to full lock Telegram, ultimately, on 13 April, Tagansky court of Moscow satisfied the claim of Roscomnadzor and "banned" the messenger for failure to provide the FSB encryption keys.

Trying to carry water in a sieve

Lock entered into force on 16 April. Operators promptly execute the judgment, however, the full suspension of the Telegram on the territory of the Russian Federation to speak before. The fact that the messenger was to actively change the IP address. This involved including Amazon's cloud services and Google.

In the end, Roskomnadzor has blocked the IP addresses of third-party companies. In the end, in a matter of days the number of blocked addresses close to 20 million. In such a large-scale "fighting" among Russian users had problems with access to third-party resources. Even Google sometimes does not open, but to mention the failures of other instant messengers (in particular, Viber).

However, even given the unimaginable scale of the locks to access Telegram while is easy. Yes, it sometimes requires additional SOFTWARE, however in most cases all the manipulations can handle a regular user, special skills not required for this.

Needless to say about the effectiveness of the lock if in the end while suffering only nothing innocent services and users?

Telegram and insurance

Now the wave of problems has come to of electronic insurance policies. The thing is that the sites of insurance companies often use service of spam protection reCAPTCHA. This method have been widely used in networks as combat robots. Now, however, this service does not work because of blocking Google IP addresses.

In PCA noted a problem with the authorization module to the complaints of citizens and the system of "E-Garant". The latter is used to ensure that electronic Contracting insurance. In "E-Garant" provides the possibility of concluding contracts with use of the site SAR.

If the motorist is faced with the impossibility of concluding the contract on the insurance company website (and it is quite a common scenario), he is redirected to a restricted part of the site SAR. This service automatically transfers data already filled in. The user needs to pay the insurance premium by the insurer and get the policy to your e-mail.

According to TASS, from 12 to 13 hours on 23 April, has sold 49 electronic policies. It is usually at this time is made about 300 policies.

At the same time now for the same reason does not work check insurance policies on the website of RSA.

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