Vsk OSAGO online does not pass the test. The user has not been verified in the rsa "reso-guarantee. The data is not validated in the PCA

Many car owners prefer to deal with insurance issues online to save time. But sometimes, when filling in the data on the site, they are faced with an alert warning that the user has not been verified by RESO-Garantia. There are several ways to solve the problem.

What does it mean

Different insurance companies may write differently even car brands, for example, "Hyundai" and "Hyundai"

The essence of the error is that the user could not pass the automated system check. Such a notification means that the person's data entered on the site does not correspond to the information that appears in the base of the motor insurers' union.

PCA is currently working to simplify data verification requirements.

Causes

Checking the PCA in CMTPL electronic policies is a mandatory procedure: you need to enter information about your car, yourself (passport data) and drivers who will be allowed to drive

There are three main reasons for this problem:

• Entering incorrect data. You should carefully check all the information that was entered in the appropriate fields. Perhaps there was a mistake somewhere.
• There may be a discrepancy between the actual data and those indicated in the TCP. In this case, it is better to check the data with the COP (certificate of registration). It is here that the information that is put into the automated system is contained.
• Erroneous information could have been previously entered by the agent of the insurance company issuing the previous policy. In this case, you should write to the technical support of the company and wait for a response. It usually takes no more than 1-2 days.

How to fix

Without a positive verification, you will not be able to proceed to pay for the policy

If the fact that there is an error in the database itself is revealed, then you can simply duplicate this error. That is, intentionally enter data with the same typo that was originally made. But in the future, you should contact the insurer with a request to update the information. This will save you from possible difficulties in the event of an insured event.

If the current policy is still valid, then you can simply contact the insurer directly and ask to change the information to reliable. As a rule, updated data appears in the system in a couple of days.

Thus, when an alert appears during the execution of the policy, you should carefully check all the entered data. If necessary, contact the insurer.

Since 2013, the Union of Motor Insurers of the Russian Federation (RUA) has put into operation a database used to check the bonus-malus coefficient (BMI). The specified parameter must be used by insurance companies when calculating the insurance tariff (OSAGO).

Based on their own insurance history, drivers can count on a reduction in the rate through bonuses (5% per year) for accident-free driving in the previous insurance year. If during the last two years there has been an accident due to the fault of the client, then the amount of the tariff increases (malus).

What are the advantages of the method?

For the client, the benefit of a single database is that the cost of the policy should be announced to him by an employee of the Insurance Company only after completing a request to the PCA database and identifying the right to receive a discount on the cost. Previously, the calculation was often made at the base rate without taking into account the existing bonus.

For an insurance company, a positive moment is the possibility of obtaining a real picture of the client's driving history. Previously, the driver, having learned about the increase in the tariff due to an accident, switched to service in another insurance company, which was not aware of the incident, and was insured at the usual cost. Now in any organization its history will be visible, so the tariff will be the same everywhere, that is, increased due to violations of traffic rules and accidents.

Why is there no information in the database?

Personal data in a single insurance database may be missing for several reasons:

• when the insurance company, for various reasons, did not provide information about the client's driving history;
• when incorrect data is transmitted to the PCA , but with errors, so they are not tied to a specific driver in the database;
• when there was a technical failure in the program and some parts of the data were damaged;
• when the client exchanged a driver's license, but the information in the database remained tied to outdated data;
• when the client has just received the rights and draws up the very first insurance contract.

What to do if there is no information in the RSA database?

To make sure that there really is no data in the PCA about KBM, you should send a written request to the Union of Motor Insurers. If there is no confirmation of the facts of the transfer of information by insurers for previous periods, the driver must take the following actions:

• Prepare old OSAGO insurance policies. In their absence, contact the UK, where the contracts were previously drawn up, and find out the document numbers, their validity period and the date of issue.
• At the place of registration of the previous policy, obtain a certificate for transferring to another insurance company indicating data on the client's insurance experience and insured events (if any).
• Take the received certificate to the insurance company, where it is planned to draw up a new insurance agreement.

If the contract has already been executed, then on the basis of the certificate provided, the cost of the policy must be recalculated, and a part of the paid premium should be returned if there is a right to discounts (for KBM).

As we have already noted, the insurance company transmits data about drivers from its database, and people (policy entry operators) enter this information into the database. There may be a human factor - when entering the last name, first name, patronymic or date of birth of the driver, the operator could make a typo. If at least 1 letter or number in the database does not match the information that you enter when accessing the RSA AIS, the system will return an error and your discount will be lost.

Multi-vehicle management

The driver could be entered as a person admitted to drive in several insurance policies. At the same time, the CBM value could be different in each of these policies, since until 01/01/2013 the agent did not apply to a single database to determine the CBM, but gave a discount based on the previous policy. For example: Ivanov I.I. has his own car, and is also allowed to drive a car of his wife, whose driving experience is 2 years. In his policy, he has a CBM of 0.5, in his wife's policy - 0.9 (since the wife's insurance history has only 2 years, according to the number of years of experience). If the insurance company transmitted data on both policies, the value of CBM for Ivanov I.I. will be the maximum of the two, that is, 0.9.

Bankruptcy of an insurance company

The insurance company went bankrupt and did not transfer data to the RSA AIS system. In this case, there is simply no information about the driver's insurance history in a single database.

Unscrupulous agent or employee of the insurance company

By law, an agent must check your discount in the PCA database before issuing a policy. However, often the agent does not do this, taking advantage of the illiteracy of the client. By overestimating the Kbm, the agent increases the cost of the policy and thereby earns more. In this case, cbm = 1 is transferred to the PCA base, that is, the same if the policyholder would issue the policy for the first time.

What to do in order not to lose the accumulated discount for break-even insurance and restore the lost CBM?

Until July 1, 2014, insurers could use the "break-even statement" to determine the value of CBM. P 35 of the OSAGO rules states: “In the event of early termination or upon expiration of the compulsory insurance contract, the insurer provides the insured with information about insurance in the form established in accordance with the legislation of the Russian Federation. Information about insurance is provided by the insurer free of charge in writing within 5 days from the date of the relevant request of the insured and is entered into the automated insurance system. Thus, it was enough to contact the insurance company where the last OSAGO policy was issued, receive a certificate in form No. 4 and, on its basis, issue the next OSAGO policy. At the next transfer of data on the value of cbm to the AIS RSA system, cbm was updated.

On July 1, 2014, amendments to the legislation came into force that do not allow the application of the CBM on the basis of a break-even certificate, namely:

Subparagraph "h" of paragraph 3 of Article 29 of the Federal Law of July 1, 2011 N 170-FZ "On the technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation" (with amendments and additions) amends the Federal Law "On compulsory civil liability insurance of vehicle owners

h) add clause 10.1 with the following content:

"10.1. Conclusion of a compulsory insurance contract without entering information about insurance into the automated information system of compulsory insurance, created in accordance with Article 30 of this Federal Law, and checking the compliance of the information provided by the insured with the information contained in the automated information system of compulsory insurance and in the unified automated information system for technical inspection information is not allowed.";

Thus, when issuing an OSAGO policy, the Insurer must check your CBM on the basis of the AIS RSA, as well as check the availability of a valid technical inspection coupon in the unified information system EAISTO. Without this, the issuance of an OSAGO policy is not allowed.

How to restore cbm? You can go 2 ways:

Option 1.

• Determine at what point in time your cbm disappeared. To do this, you need to check the CBM for different dates, and find which insurance company issued your policy with the wrong discount.
• Find and scan copies of policies with the correct cbm value
• Write complaints to the Central Bank, the PCA, the insurance company in which you are currently insured. Attach scans of policies on the basis of which you require recalculation of the discount to the complaint.
• Within a month, your complaint should be considered and, depending on the set of documents that you send along with the complaint, a decision is made to restore the CBM.

Option 2

• Check out the cbm. In the results of the check, you will see the button "Not satisfied with the cbm? Let's restore it." Our specialists will do all the work for you, and within 1-5 days your cbm will be restored and you will be able to issue an OSAGO policy with the required discount or request a refund of the overpaid insurance premium from your insurance company.

Recently, vehicle owners can take out insurance in the form of a paper document or digital record, called e-OSAGO.

Let's take a look at the implementation of these initiatives in practice and consider all the problems that an insurer who purchases a policy online can face. First, we should name a few points on which the e-OSAGO electronic policy provides a clear advantage in comparison with its traditional counterpart.

Completing an electronic OSAGO has the following advantages:

• providing drivers with the opportunity to take out insurance without leaving their computer;
• solving problems of queues in the offices of insurers;
• elimination of difficulties with artificially created "deficit" of policy forms;
• combating the unscrupulous policy of insurers to impose additional services;
• reducing the cost of printing forms with various degrees of protection;
• ensuring that companies save on employees (automation allows you to reduce staff);
• providing an opportunity for insurers to refuse to maintain part of the offices, the demand for which should decrease.

As with many other innovations, a number of problems have arisen with electronic policies. They are related to both technical and commercial reasons.

1. Problems with the registration of the document through the site. The number of motorists who wished to obtain a policy in this way exceeded the capabilities of the technical infrastructure. The problem is connected not only with the overload of the servers of the insurance companies themselves, but also with the inability to serve such a large number of requests coming to the database RSA - Russian Union of Motor Insurers(information about each insured person is kept by this association).
2. Lack of vehicle registration information in the database. One of the significant problems is the difficulty in exchanging data between the traffic police and the RSA. If the transmission of updated data occurred with errors, then information about the existence of the client's vehicle may simply not be available.
3. No inspection data. One of the conditions for issuing a policy is a valid diagnostic card. Data about it may also not be available on the PCA server and the system will not allow you to issue OSAGO.
4. Inability to apply a reduction factor for accident-free driving. If the policyholder does not become the culprit of the accident, then he is given a discount that accumulates every year. It can reach half the cost of the policy. For some reason, the coefficient cannot be applied.
5. Regional restrictions. Insurers provide the opportunity to purchase a digital policy only to residents of certain cities. They attribute this to the “toxicity” of a number of regions. Under it, companies understand the prevalence of "fraudulent schemes" and the unprofitability of activities in such territories.
6. Problems for foreigners. These difficulties are related to regional restrictions. If a citizen lives in the capital, but is registered in another city, it will not be possible to obtain a policy. In some cases, an absurd “verification” of the client is provided, lasting up to 30 days.

Some actions of insurers specifically encourage customers to refuse to issue an electronic OSAGO:

• a reference to a certain limit regarding the number of issued digital policies per day or month;
• generation of passwords containing characters in Cyrillic and Latin at the same time;
• intentionally limiting the methods of payment for the policy;
• charging commissions for the transfer of funds.

All of the above is intended to force the user to come to the office, where he will be forced to purchase insurance along with imposed services. Insurance companies are trying in every possible way to increase the margin of insurance in this way, which is simply unprofitable in terms of OSAGO in some regions of the country due to the activities of auto lawyers. It will not be possible to condition the possibility of issuing an electronic policy by purchasing other products of the company on the site.

Such a policy violates the law, and the corresponding requirements on the company's portal will become irrefutable proof of its guilt. Such actions of insurers are often forced to file complaints against them in Rospotrebnadzor and Bank of Russia .

Important: Feel free to complain to insurance companies. The attitude towards the client after receiving money in practice is so unpleasant for most of them that you need to have both proper restraint and be able to correctly and reasonably file a complaint.

Step-by-step instructions for issuing e-OSAGO

Different insurers have their own policy requirements. Without going into them, a number of general stages can be distinguished.

Create an account for a personal account. To access e-insurance, you will have to create an account on the company's website. To do this, you need to fill out the proposed form, entering the following personal data into it:

• full name;
• passport details;
• information about the date and place of birth;
• registration address;
• Telephone number;
• email address.

Checking the entered information. Information about the driver is checked against the data of the centralized database of the PCA. If the information about the policyholder is entered into it, then the user will be sent the account access parameters (password and login) to the email address or mobile number.

Filling out an application. In the form on the site you will need to enter information about:

• the policyholder (personal data specified above);
• car (the requested data is transferred from the registration certificate);
• characteristics of the future policy (validity period, periods of use of the car and date of commencement of validity);
• citizens who will use the machine.

Checking the entered information. All information will be compared with the contents of the PCA database. If the information is really listed in it, then the user will receive a notification with the calculation of the cost of insurance, the procedure for its payment (bank cards and / or electronic money), as well as the address to which the electronic document will be sent. When the application does not pass the review, the company will indicate the reason for the refusal of registration and offer to correct the request.

Payment and insurance. After transferring the money, the company will send the policy itself to the client's email address.

The document can be printed and taken with you. Its paper version will be a confirmation of registration of OSAGO electronically.

Mistakes when issuing e-OSAGO and their consequences

When filling out an application, there is a risk of making a mistake. Examples are:

• incorrect indication of the car model;
• misprints in the full name of the owner, insured and authorized drivers;
• errors in the room;
• inaccuracies in specifying details of registration documents;
• errors in the series or number of the driver's license;
• indication of the insured as the owner of the car (if these are different persons).

Let's look at the consequences of such errors.

If the insured driver gets into an accident, the company does not have the right to refuse to pay the victim, since the policy has been issued. This does not mean that the driver can ignore the inaccuracy. Problems may arise with the traffic police officer. He is very likely to take a formal approach and fine the driver for not having insurance. Checking the policy is carried out not only in the event of an accident, but also at any stop.

Regardless of the nature of the inaccuracy in the document, the driver is advised to take care of how to correct the error in the CMTPL electronic policy.

According to the changes in the law on OSAGO in 2014, direct compensation for losses from your insurer is now provided. An accident victim has the right to contact his insurance company. You can read about it

A number of unscrupulous citizens deliberately distort information about themselves. This is due to the desire to minimize the insurance premium. Examples are:

• underestimation of the amount of horsepower;
• false information about the registration of the insured in the countryside (the lowest territorial coefficient is provided for such owners);
• overstated driving experience.

All of these options will not work if insurance has already been taken out in connection with the ownership of this car. When the car is new, this possibility exists. In this case, the fraud will be revealed the next time you contact the company (to change the parameters of insurance or due to its extension).

If fraud is detected, the insurer will require additional payment. If an intentional error is established after an accident, the company has the right to file a claim for reimbursement of payments made by the injured to an unscrupulous client.

Important: All information about the vehicle and the driver for registration of E-OSAGO is accumulated in the RSA database. Thus, before receiving the first electronic OSAGO, it is mandatory to issue your first paper policy.

How to make changes to the electronic OSAGO

One of the necessary services for electronic servicing of policyholders is the ability to comfortably make adjustments to an already executed document. Let's figure out what to do if an error is found in the electronic OSAGO, and in other situations when you need to enter new information or parameters.

The grounds for correcting an electronic document are the same as for a paper version:

• introduction of new drivers;
• changing the details of a driver’s license in connection with its replacement (although there is no obligation to redo insurance, there is a risk of becoming a victim of an unscrupulous traffic police officer who “does not notice” the mark on a previously valid document);
• obtaining a new passport;
• change of residential address.

Unlike the procedure for selling a policy, the law has not worked out the issues of introducing new information into it. This means that the only legal mechanism for changing data in OSAGO insurance is a personal appearance at the insurance company. At the same time, specialists print out a paper version of the document and the policy ceases to be digital. The validity period and other terms of the contract remain the same.

There is a possibility of being rejected by the office staff. This may be due to the fact that the premises are not occupied by the company itself, but by its brokers - agents who have the right to conclude new OSAGO contracts on behalf of the insurer. Another reason is often the desire of employees to impose an additional policy. They associate the possibility of reissuing a document with the purchase of another service. Such actions are illegal and you can complain about company representatives to higher management or to regulatory authorities (Rospotrebnadzor, a territorial division of the Central Bank of the Russian Federation, the financial ombudsman).

A number of insurers provide customers with the opportunity to adjust some document parameters through their personal account. With the growing popularity of digital insurance, there is a high probability of providing a full service that provides for changes to the electronic OSAGO policy.

Extension of the OSAGO policy and replacement of the insurer

When using a digital policy, there is a problem of its renewal. A year after registration (in some cases even earlier), the client will have to receive a new document. Its details depend on the specific insurer. The procedure will include a number of general steps.

1. Passing inspection. A prerequisite for extending insurance is the availability of an up-to-date diagnostic card. If it is not available, it will have to be obtained at any service station providing such services.
2. Filling in the data in the personal account. You must go to the website of the insurer and enter the username and password of the account. Many companies provide the possibility of a simplified extension of OSAGO. It is enough to follow the appropriate link and enter data on the number and date of registration of the diagnostic card.
3. Data validation. If the information is confirmed, the system will offer to proceed to the payment of the document.
4. Payment and receipt of the policy. After the transfer of money, a new document will be sent to the email address, as in the case of initial registration.

Important: In subsequent years, the renewal of the policy will be done via the Internet. Some insurers provide a paper-based insurance renewal service in electronic form. To do this, you need to register on the site and enter the details of the expired policy.

Another important point is the transition from one insurance company to another. The most pressing issue is the maintenance of the discount provided for accident-free driving. The functionality of the personal account does not provide for the possibility to issue a bonus-malus coefficient.

To issue it, you will have to provide the insurer with a previously issued policy. The fact of driving without an accident for the previous year will be established upon request to the previous client company.

On the latest amendments to the OSAGO law of 2017, which provided for the implementation of OSAGO payments in "kind form", i.e. in the form of repairs at authorized service stations, you can read

With the recent emergence of digital insurance, there are many gaps and problems that significantly degrade the service provided. Over time, they will be eliminated and the popularity of electronic OSAGO will become significantly higher.