How to fill out an insurance policy. How to issue an electronic CTP policy? Video: how to get an electronic civil liability insurance policy

From July 1, 2015, all car owners have the opportunity to issue an OSAGO policy in in electronic format.

An electronic policy immediately solves a lot of problems.

Such a policy is bought without leaving home, there would be a computer, the Internet and a bank card. There is no need to look for a working office of an insurance company in the city.

You cannot impose additional services on it. You don't have to overpay for unnecessary options.

You don't need forms for it. Forget about queues for registration and worries that you have insurance agent will run out of forms.

Moreover, electronic policy Is a document that exists in electronic form. You do not need to carry it with you. Traffic police inspectors are able to check your insurance against their own database, it is enough to present a driver's license.

How exactly can you arrange and pay for it?

To do this, we have compiled a short instruction, with the help of which it will be easier to understand the nuances of electronic OSAGO.

The legislative framework

The opportunity to buy an electronic OSAGO policy arose thanks to amendments to (paragraphs 4 and 7.2. Article 15). Let's list the main points:

The compulsory motor third party liability contract is allowed to be drawn up in the format of an electronic document

All registration takes place on the website of a company admitted to work in the electronic OSAGO system

The car owner is exempt from the need to present the documents for the car and the rights of all drivers to the insurer

The information provided by the policyholder is verified by the company independently through electronic databases.

The insured signs the OSAGO policy with a simple electronic signature, it is also the password from the personal account on the website of the insurance company

The insurance company certifies the OSAGO policy with a strengthened qualified signature

Information about the insured liability is transferred by the company to the AIS OSAGO system (managed by the Russian Union of Auto Insurers) immediately after the electronic policy is issued

Instructions for issuing an electronic OSAGO policy

Step 1. Registration in your personal account on the insurer's website.

At the first visit to the website of the insurance company, where it is proposed to issue an electronic MTPL policy, the client of the company registers and gets access to Personal Area.

To register, the client is required to indicate:

Surname First name Patronymic

Series and passport number

Date of birth (not in all companies)

Phone number

Email

Residence address (not in all companies)

An example of a registration form on the RESO-Garantia website.

The entered information is checked by the insurance company through the AIS OSAGO database for compliance.

After successful verification, the company will send to the phone or email password for entering your personal account.

Login to your personal account on the RESO-Garantia website.

Password - analogue of a simple one electronic signature the insured. Replacing the stroke on the paper version of the CTP policy.

Step 2. Application for the conclusion of an electronic OSAGO policy

After registering in the personal account, the client fills out an application for OSAGO insurance.

You will have to specify a lot of information:

Parameters of the OSAGO agreement - date of conclusion, validity period and periods of use

Information about the insured - full name, date of birth, passport data, address of residence (for convenience, some companies automatically copy the information specified during registration in the personal account on the insurer's website)

Vehicle information - make / model, year of manufacture, engine power, serial and vehicle registration number and registration certificates, diagnostic card

Information about drivers allowed to drive

Application for registration of an electronic OSAGO policy in your personal account on the RESO-Garantia website.

The completed application is sent for verification through the AIS OSAGO database.

With a positive response from the AIS OSAGO to the request to verify the application, the insurance company sends to the client:

• calculation of the premium for the policy to be paid,
• e-policy payment options and payment term,
• contacts for sending an electronic copy of the OSAGO policy.

If the application has not been verified, the company notifies the client about the reasons for the impossibility of further issuing the OSAGO policy. And he offers to correct the incorrect information.

Step 3. Payment and receipt of the electronic OSAGO policy

You can pay for the electronic OSAGO policy in cash and by bank transfer.

Cashless payment by credit card- most quick way insure your liability. Since the policy is considered concluded only after payment.

Choosing an online payment, the client will receive a valid electronic OSAGO policy within a couple of minutes after the money is debited from the card. In addition, when paying by card, it is permissible to use a credit card.

Cash payment of an electronic policy involves a visit to the office of the insurance company. That significantly increases the time until the receipt of the concluded CTP policy. In addition, the nearest office may be tens or even hundreds of kilometers from the car owner's place of residence.

As soon as the payment for the policy has passed, the insurer sends to the client electronic version OSAGO policy (to the email address specified in your personal account).

Visually, the electronic policy differs little from the paper version.

Plus, the issued electronic OSAGO policy is available for printing in the personal account on the insurer's website.

In accordance with the current legal regulation every owner vehicle must insure his car liability.

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The same applies to vehicle drivers: without a valid OSAGO policy, the operation of a vehicle is prohibited by current legislation.

And if this rule is not observed, the driver may be brought to administrative responsibility.

That is why, before getting behind the wheel of a vehicle, you must first make sure that there is valid policy OSAGO.

To purchase an OSAGO policy, you must conclude an appropriate contract with an insurance company and pay a certain amount of money.

At the same time, the legislation carefully provides for the procedure and rules for concluding such an agreement.

The legislation also provides for the size of insurance payments and rules for calculating the cost insurance policy(including base rates).

In particular, the current legislation states that in order to conclude an insurance contract and to purchase an OSAGO policy, you must first submit an application and Required documents.

And what features does an application have for issuing an OSAGO policy, and what data is needed to fill it out?

What data is needed

To fill out an application for concluding an insurance contract, you must have certain data.

In particular, in order to issue an OSAGO policy, it is necessary to indicate:

• the name of the insurance company with which the insurance contract is concluded - this information is indicated at the very top of the application form. As a rule, all insurance companies fill in their names in advance on the available forms;
• data of the insured (full name, passport data, address, etc.). It is necessary to indicate only reliable and correct information;
• vehicle data. In particular, it is necessary to indicate an identification number vehicle, year of manufacture, as well as engine power (this indicator affects the cost of insurance). It is also necessary to indicate the time of the last technical inspection;
• information about persons who can use the vehicle. This information must be filled in in cases where a contract is concluded with restrictions, and the policy indicates the names of specific persons who can drive this car... If an insurance contract is concluded without restrictions, then in this case this item is not filled;
• information about when exactly the vehicle will be operated. In particular, the legislation makes it possible to use the vehicle for a certain period of time (for example, in the summer).

If you specify a specific period of time, then in this case you can save a certain amount of money for insurance. But you will have to operate the car only during the specified period of time.

In addition to the above data, other information is also filled in the application form.

For example, an employee of an insurance company who accepts this application fills in information about the coefficients, on the basis of which the cost of the purchased CTP policy is calculated.

This is the basic data that must be entered in applications in order to conclude an insurance contract. It is on the basis of the entered data that the corresponding contract is concluded and the applicant is provided with a CTP policy.

The application also contains the number of the CMTPL policy provided to the applicant for the purpose of further identification.

Form

As mentioned above, the area is subject to careful and precise legislative regulation. This also applies to the application form presented for.

In particular, the application form for MTPL, a sample of which can be found on the Internet, is approved by the current legislation (relevant).

This means that the application form is mandatory for all insurance companies that operate in the Russian Federation.

The form is filled out directly at the insurer's office upon presentation of the relevant documents.

But the owner of the vehicle can easily download this form from the Internet and fill it out on his own (of course, the one that is often filled in by the applicant, since there is also a part that must be filled out by the insurer).

But in practice, in the main, the application is filled out instead of the applicant by the relevant employees of insurance companies, who accept the necessary documents from the applicants and deal with the conclusion procedure.

Below is an application for a CTP policy sample:

A sample of filling out an application for OSAGO

As mentioned above, the applicant himself can fill in some fields in the application form for concluding an OSAGO insurance contract. But, as a rule, the appropriate employee of the insurance company does it instead.

The insurer's employee also fills in the fields on the basis of which the cost of the insurance policy is determined.

In particular, apart from general information the employee of the insurance company also indicates the coefficients (capacity, seasonality, bonus-malus, etc.), on the basis of which the cost of the insurance policy is determined. The employee also writes the number of the insurance policy in the application.

After completing these steps, the applicant's signature is put. The date of filling out the application and the decoding of the insurer are also put.

This is what a completed application form for concluding an OSAGO agreement looks like.

No additional services

All insurance companies offer their clients not only MTPL insurance services, but also an additional list of services. At the same time, many offer to use additional services when concluding an OSAGO insurance contract.

In practice, there are also cases when insurance companies impose additional services on customers, without which they refuse to conclude an OSAGO insurance contract.

For example, a client may be told that in order to conclude an OSAGO contract, it is also necessary to conclude a life insurance contract. This makes it possible to earn additional money.

But the current legislation states that the insurance company cannot impose additional services and oblige the client to use them and pay for them.

The client decides for himself whether he will use additional services or not. That is why, if an additional service is imposed on the client, he can refuse it without any problems. How can you refuse?

To do this, first of all, you need to write a corresponding statement in insurance company.

If the application form for concluding an OSAGO insurance contract is established by the current legislation, then the application form for refusal from additional services can be composed in any form.

Of course, many companies have an approved version of such a document, but the client can draw up it himself.

In the application for refusal of additional services, it is necessary to indicate the following information:

• applicant's data (name, address, passport data);
• the date of contacting the insurance company in order to conclude an insurance contract;
• list of additional services offered to the client;
• the fact of refusal from them;
• reference to the relevant legal regulations.

Here's how you can write an additional service waiver:

After presenting this application, you can also submit an application for the conclusion of an OSAGO insurance contract. This application must be submitted in the form approved by law.

What documents to attach

In addition to an application for the conclusion of an insurance contract, it is also necessary to present a certain list of documents.

In particular, the following documents can be attributed to the number of documents required for concluding an OSAGO insurance contract:

• passport;
• title documents for the car (TCP, technical certificate vehicle, etc.);
• technical inspection ticket;
• driver's license of the person or persons who will operate this vehicle (if a policy is issued with an unlimited number of drivers, then the provision of a driver's license is not required).

It - standard package documents that must be presented to the insurer to conclude an OSAGO contract.

But if an individual is regular customer given to the insurance company, then in this case the insurance company may not require certain documents that it has in its case.

Whom to apply to an insurance company

Each insurance company has a certain employee who is only engaged in concluding OSAGO insurance contracts and the adoption of relevant documents. It is to this employee that you need to approach in order to submit an application.

This employee will fill out an application, accept all the necessary documents, and also answer all the questions of the client. It is from this employee that it is also necessary to pick up the MTPL policy after paying the entire amount of the insurance compensation.

At the same time, it is also necessary to take into account the fact that many insurance companies operate separate cash desks, in which clients pay insurance benefits and receive a corresponding receipt confirming the fact of payment.

Terms of consideration

The current legislation does not provide for any terms for consideration of the application and the submitted documents.

MTPL insurance policy - obligatory view insurance. Accordingly, every motorist should have such a policy. This kind insurance is purchased annually by thousands of vehicle owners. However, it is not enough just to buy a form - it still needs to be filled out correctly. Some insurance companies offer customers the service of filling out the purchased insurance policy for OSAGO. However, you can fill out the document yourself - it's not difficult. You can fill out the policy on a computer in a special program, and then print it on a form, or you can do it by hand.

CTP policy is filled out by hand

A hand-filled CTP policy is valid. However, those who plan to make notes on the form with a regular pen need to follow a few simple rules:

• All notes that you make on the form should be filled in with one pen (the color of the paste in different fields of the document should not differ) and with one handwriting. Otherwise, the document may be invalidated and it will be necessary to prove that you filled out the policy yourself through an examination.
• Errors and corrections in the form must not be allowed. Get yourself together and write everything correctly. Better to practice doing this on a draft.
• A hand-filled MTPL policy should be checked with the insurance company. At the bottom of the document there must be the signature of the insurer, as well as the corporate stamp of the company.

How to fill out an OSAGO policy on a computer

In order to fill out the CTP policy form, you need to find and download on the network free program to work with the document. Its peculiarity lies in the fact that in the program you will fill out a document template, which can later be printed on a form, without fear that some fields of the document will not match. The program is easy to install on a PC and quite easy to use. Before printing an already prepared document on a form, be sure to proofread it, check for possible errors and typos, print a test page to make sure that you do not ruin the form later by printing.

How to fill out an OSAGO policy without restrictions

In order to fill out, you will need:

• Your Citizen Passport Russian Federation(or a foreign citizen).
• A document on the completed vehicle inspection.
• Car passport.
• Car registration certificate.
• Your driving license, as well as the driving license of those who will use the vehicle along with you.

All this information is entered in the form in the "Insured" item.

The policy will also need to indicate:

• the make of your car;
• vehicle model;
• vehicle identification number;
• state sign;
• data from documents on car registration.

In addition, the policy specifies the amount of the insured amount, which must be indicated in rubles.

Fill out the CMTPL policy in Excel

Today, no one fills out CTP policies in Excel program as it was done five years ago. The Internet is freely available special programs to fill out the policy, you only need to check them for relevance - the forms change from time to time and problems may arise during printing.

In order not to spoil the original form of the document, which is quite expensive, try to practice printing the information entered on the PC on a scanned copy of the policy. This will help you ensure that the printer is set up correctly and does not distort the actual aspect ratio of the document when printing. After test printing (if everything is good), you can insert the form into the printer and "fill" the CTP policy with the information typed on the computer.

Advice from Compare.ru: When buying an OSAGO policy, be sure to check the form for its authenticity. The form must contain all the required degrees of protection. It should not have "fluff", which usually appears when printing on a cheap printer, the document should not be embossed, etc.

Since 2016, new rules for car insurance have been in force - the Code of Administrative Offenses, Article 37. It is assumed that it will be easier to conclude an agreement with an insurance company if you use the instruction of the Central Bank of Russia No. 36448-U dated May 24, 2015. The document contains the rules on how to issue an electronic OSAGO policy.

We remind you that the owner of the vehicle is allowed to drive without compulsory motor third party liability insurance for 10 calendar days.

During this time it is necessary:

• undergo technical inspection;
• get a diagnostic card;
• register the car with the traffic police;
• get auto insurance from RSA.

The term of the OSAGO policy has expired, but it has not been reissued - big problems are possible, not only in the form of a fine. In the event of an accident, the damages are paid by the perpetrator of the accident, if his vehicle is not insured. Today, you can quickly issue a new document electronically... A driver's lack of time or money is not a good reason not to get insurance.

General conditions and procedure for insurance

So what you need to know:

• the owner of the vehicle has the right to choose any company from the PCA list;
• the insured must submit documents: personal and on the vehicle;
• the insurer is allowed to inspect the vehicle;
• the place of inspection is selected by mutual agreement of the driver and the insurer;
• the persons who need to be included in the insurance are indicated;
• the term of the contract is negotiated;
• the amount and procedure for paying the insurance premium and compensation for losses are determined;
• the procedure for making changes to the insurance policy is reported.

The cost of insurance can be reduced if the vehicle is not used in winter.

It is allowed to insure the car before its registration with the traffic police. After registration, you must provide the new data to the insurer - 3 days are given for this.

The driver has two options to purchase OSAGO:

• on the form issued by the insurer;
• via the Internet, like an electronic document.

The insurance begins to operate immediately if payment is made in the form of depositing cash to the company's cashier, the next day, by wire transfer.

Since July 2016, a single sample of electronic insurance document- the form, which is currently being produced by the State Sign. Replacement of old forms with new ones will be carried out in all regions of the Russian Federation.

What documents are needed

It is allowed to issue an auto insurance contract in a company from the PCA list that has a sample insurance certificate and CTP forms. If the car owner came for the policy for the first time, he must provide information about the car:

• technical inspection card;
• information about registration.

You must provide personal documents:

• the driver for whom the insurance is issued;
• documents of drivers who are allowed to drive a car.

In what form the documents will be accepted, the employees of the company and the owner of the vehicle decide.

Variants are acceptable - electronic and paper (copies).

When the contract is concluded with the previous insurer, or a replacement of the previous certificate is needed, it is possible not to submit the documents for which the insurance was previously obtained. The insurer is obliged to check the authenticity of all documents on the electronic database and only if the check was successful, he is allowed to conclude a contract. If other drivers need to be entered in the certificate, their documents are handed over to the insurer for verification.

The contract has been concluded - 2 accident notification forms and a list of representatives of the insurer are issued. You need to get information about them: address, phone numbers, opening hours.

New procedure for insurance companies

In an insurance company, it will take a little time to arrange insurance, if the driver has prepared all the documents necessary for concluding a contract and it is decided who needs to be entered in the insurance documents.

Auto insurers, since 2015 switched to new order issuance of compulsory motor third party liability insurance using the traffic police information base. PCA employees can now receive information about any vehicle in electronic form, check on what conditions the contract was concluded. Positive information has been received - the cost of insurance services will be optimal for the policyholder. If the insurance policy is used by a driver who has traffic violations, then PCA allows insurers to take out insurance in a simplified form, when losses to the insured are not fully reimbursed. The calculation of insurance payments is carried out according to a special program. The car owner is allowed to control it.

On the offensive insured event, first, compensation is paid for the damage to life and health, then property losses are paid.

We arrange through the Internet

The right to obtain insurance in electronic form has been granted to car owners since October 2015. The insured chooses the insurance company, and on the official website of the insurer opens the driver's personal account. The access code can be obtained by e-mail or at mobile phone.

Further communication between the policyholder and the insurer is the same as with a personal appointment, but only online. The numbers of the documents are reported, an application is filled out, the cost of insurance is calculated using the calculator located on the site. Previously, in the submitted application, it was required to enter SNILS number... Now it is not required to make an entry about SNILS.

The information is checked by the insurers' AIS, then the contract is sent to the policyholder. You must enter your username and password as a signature. After payment of the contract, the details of the insurance certificate and the period until which it is allowed to use the policy are reported.

RSA is developing a program that allows you to quickly, using the online mode, check the availability of OSAGO insurance for any car owner. It is believed that this will reduce the number of accidents.

Features of filling out an electronic questionnaire

After it was allowed to receive OSAGO insurance via the Internet, it turned out that the exact date from which the driving experience is counted must be entered into the questionnaire. At this point, it is necessary to turn Special attention because when buying insurance in the form of an electronic document, driving experience is important. For a driver who has received a new driver's license from the traffic police, the column "Special marks" contains only a year, for example, "experience since 2000".

The PCA press center has published a clarification - the date can be set to December 31. This will not be considered an error and verification of information submitted via the Internet will be successful. The insurance policy will be calculated for the “age-experience” coefficient equal to 1, and the cost of insurance will not increase. Similarly, questionnaires for other drivers who are allowed to use the car are filled out - you just need to check their personal data against the originals of documents.

Fines 2016

For driving a vehicle in the absence of OSAGO insurance, various forms of punishment are provided - a warning, a fine. The cost of the fine is from 500 to 80,000 rubles.

The smallest fine for a driver is 500 rubles for insurance forgotten at home. The same amount must be paid for a driver who is not included in the car insurance. For the decision to travel during the period not contractual- the punishment is also 500 rubles. The RSA employees forgot to renew the insurance - you have to pay 800 rubles.

If it is found that the policy is fake, the traffic police will not take a long time to figure it out. The law imposes a fine of up to 80,000 rubles. If they suspect the driver and decide that it was he who made a fake policy, then the guilty person faces six months of arrest under the Criminal Code of the Russian Federation. According to statistics, the largest number of fakes are found among documents executed electronically. Since 2016, the punishment in the form of a ban on the operation of a car has not been used.

When concluding an insurance contract, it is required to fill out an OSAGO insurance form, which at first glance seems to be a difficult task. When filling out the policy, you must be especially careful, since the slightest inaccuracy can later serve as a reason for refusing to pay compensation amounts. In fact, there is an algorithm for filling out the form, knowing which, you can easily enter data into the policy form. In this article, we will consider the basic rules and methods of filling out a CTP policy.

Is it possible to fill out the CMTPL form by hand?

Until recently, there were several options for filling out an insurance policy:

• filling by hand;
• computer data entry into a template with subsequent printing on the original form;
• the use of a specially developed computer program for filling out OSAGO policies.

Since 2003, representatives of insurance companies have written out the policy by hand. The whole procedure for signing the contract lasted no more than 15 minutes. Established in 2013 a single base AIS RSA, it was forbidden to write out the CMTPL form by hand. AIS RSA is an electronic database that allows you to reliably determine the "bonus-malus" coefficient or a driver's discount regardless of the insurance company in which the driver insured his liability.

Using a computer set, you can double-check the correctness of the entered data, and only after correcting all inaccuracies, print it. To do this, a full-size sample form is downloaded to the computer and a template is created, in the fields of which all the necessary data are entered. After filling in and rechecking, all the information entered is printed on a serial form. The policy, filled out on a computer in compliance with all requirements and duly certified, is a valid document.

Due to the fact that at modern development technologies, there is a high probability of falsification of expensive forms and the issuance of fictitious documents, there is a gradual transition to the electronic version of the insurance policy of OSAGO. In this case, all data is entered into a special program that is connected to common base data. The policyholder is issued a policy printed on a serial form, and information about the insurance contract is stored in the electronic database of the insurance company.

What is required to fill out the policy?

To correctly fill in all insurance fields you will need:

• passport of the policyholder - the policyholder can be any capable person over the age of 18;
• vehicle owner's passport;
• documents for the car: TCP or registration certificate;
• driving licenses of all drivers who will be allowed to drive;
• diagnostic card if the car is more than 3 years old.

What does the completed MTPL form look like?

During the entire existence of OSAGO, the following series of policies were issued: CCC, BBB and EEE. This is how an empty CTP policy of the EEE series, which has been applied since 2016, looks like:

The form of the EEE series itself includes the following fields:

• a ten-digit number next to the series;
• the period of insurance, from the time and date of application to the expiration date of the contract;
• field for mandatory filling, in which it is necessary to indicate in what period of validity insurance contract the car will be used;
• when filling out item 1 for individuals the full name is indicated, and for legal entities - their full name. The owner of the vehicle is also indicated here. Based on the data on its place of registration, a territorial correction factor is calculated;
• the next item is information about the use or absence of a trailer for the vehicle;
• in the three windows located under this field, the following vehicle data are displayed sequentially:
  • brand;
  • model;
  • an identification number;
• when filling out, the data of the provided TCP is used, as well as information about the provided document: series and number;
• then there is an indication of the purpose of using the car. This information is also taken into account when calculating the correction factor;
• the third paragraph contains information about limitations or lack thereof. Unlimited policy contains a check mark in the upper box and dashes in the table below;
• if the policy is limited, then you need to put a tick in the lower window and indicate in the table the data of drivers who have the right to drive this car - the full name of each, the series and the number of their driver's licenses;
• clause 7 contains information on the total cost of OSAGO, which is the amount of the insurance premium;
• if necessary, fill in special marks with the appropriate data;
• the completed form must have several seals of the insurer:
  • upper left corner;
  • the right corner of the policy;
  • when entering data in point 8, a seal imprint is required.

As a result, the completed policy form should look like this:

How to fill out an OSAGO policy through a program on a computer?

For the execution of insurance contracts, special programs have been created, thanks to which you can quickly and easily write out a policy compulsory insurance... Filling out the policy consists of several sections. Within each section, there are hints about what information to include. Here are the main sections of the form that must be filled out in order to print the CTP policy form:

• data on the policyholder;
• owner data;
• vehicle information;
• list of persons admitted to management;
• validity periods;
• calculation of insurance premium.

Filling in the fields about the insured

To fill out this section, only the passport of the policyholder is required. As noted, any capable citizen can be the insured. In the first section, you must specify personal information, as in the passport:

• full name of the policyholder;
• series, passport number, by whom and when issued;
• date of birth;
• citizenship and registration address;
• mobile phone for communication.

In a similar way, the second section is filled in, which indicates personal information about the owner.

Filling in fields by vehicle

To indicate the data on the vehicle, you will need a document for the car. In practice, drivers keep the vehicle passport at home and carry only a certificate of state registration... Here are the required data that must be entered:

• state registration number;
• vehicle identification number (VIN);
• type of document (certificate of registration or PTS), series, number and date of issue;
• if the car is legally required to pass technical inspection, then in the end you will need to indicate the series, number and validity period of the diagnostic card. If the car is new, it is necessary to indicate that "technical inspection is not required".

Filling in the driver fields

No more than 5 drivers can be entered into the CMTPL agreement. If the policyholder needs to be allowed to drive more than five people, then it is worth choosing the option "unlimited number of persons allowed to drive." When choosing the second option, the cost of the contract increases by 80%.

To enter the driver, you must fill in the fields:

• Full name of the driver;
• Date of Birth;
• the series and number of the driver's license;
• driving experience.

Indication of the insurance period and period

The insurance period under the contract is always one year. Everyone chooses the insurance period independently. According to the adopted law, the minimum term for registration of an agreement is 3 months. First of all, you must specify the date from which the policy will come into force and the period will be calculated automatically. The usage period will be set automatically based on the calculation. According to the law, during the term of the OSAGO agreement, only 3 periods of use can be established.

Insurance premium calculation

After all the fields are filled in, it is necessary to calculate the insurance premium. In the calculation, you must indicate the region of use of the car, year of manufacture, power, purpose of use and select required period use. After the calculation, you need to make a payment and print the contract.

The nuances of filling out the policy

Only representatives of insurance companies can fill out contracts using a template. According to the law, the sale of blank forms of CTP for a fixed fee is prohibited. By purchasing a clean policy, the car owner not only violates the law, but also receives an invalid insurance contract.