In Russia has changed the rules of registration of e-insurance

4 September 2018

Now insurance e-insurance can not immediately use

Today (September 4) in Russia changed the rules for issuance of electronic insurance policies. Entered into force amendments approved by the Central Bank in late August. Now the contract is e-insurance can not enter into force earlier than three days from the date of its conclusion.

In other words, no you can't just issue the policy on the insurance company website, print it and then to go with him. In many cases it will be inconvenient a delay the new policy until the last moment, so that when the expiration of the old insurance will have three days to sit at home, even if the e-CTP is already decorated. Such limitations motivated the Central Bank's fight against fraud.

But there is one clearly positive news. Now the confirmation code (the Central Bank calls it the key of a simple electronic signature) should now contain only Latin letters and numbers. This means that insurance companies now will not confuse and mix together the symbols of the Latin and Cyrillic alphabets, trying to get the client to a standstill.

Insurers often resorted to this method of how to legally refuse to issue e-insurance in the so-called "toxic" areas in which the allegedly large proportion of fraud in the sphere of compulsory insurance. Mostly suffered ordinary motorists, and not criminals.

Thus soon change and the main law about OSAGO. Previously it was assumed that the new tariffs of compulsory insurance will begin to act on the last day of summer (August 31). But then the Central Bank moved the introduction of amendments at the beginning of autumn. The reason was simple: the Central Bank has not time to register in the Ministry of justice regulation which describes the new rate insurance.

It is expected that the tariff will widen the corridor in both directions: instead of the current fork 3432-4118 rubles will be set 2746-4942 rubles. The insurance company will have greater flexibility in costing, reducing the cost of the policy in the revenue regions and increasing in "toxic". The Deputy Chairman of the Central Bank Vladimir chistyukhin said the national average price will rise from 5.8 thousand to 7 thousand.

While residents of the capital region should be aware that in the current month, a traffic camera will automatically fining motorists for absence of the insurance policy. Gradually this feature will also apply to the regions. While the penalty for lack of insurance is only 500 rubles.