Almost all modern companies have their own Internet portals that help promote goods and services to the masses. And from the moment the electronic version of the auto liability policy acquired the status of a legally valid document, insurance companies have launched new projects for its online sale with full legal support. The largest insurance company RESO-Garantiya is a leader among competitors in the insurance segment, and was one of the first to issue and sell electronic OSAGO and CASCO policies.
According to the amendment to the law dated April 25, 2002 No. 40-FZ, clients of insurance companies now have the opportunity to apply for MTPL and CASCO insurance online, which significantly saves time, since they can purchase an electronic policy without leaving home. One of the first companies to provide this service was online car insurance RESO.
What is online car insurance from SK RESO-Garantiya
This is a calculator program with which anyone can calculate the total amount and monthly amounts of insurance premiums (or payments at other frequencies), as well as order a policy that has identical rights as an analogue issued in one of the branches of RESO-Garantiya institutions.
Who can take out electronic insurance?
Any car owner, even if he is not a client of RESO-Garantiya, if he is not a beginner. Drivers who have just started driving will have to initially contact the company’s central office in person. After the first official application, they can apply for insurance electronically using general rights on the website.
How to apply
You need to go to the official portal “e police reso ru”, register, receive a one-time password for your phone number and fill out a special form. All actions are accompanied by detailed step-by-step instructions.
Next, you need to enter your passport data, information about the car, its market valuation, the region of registration of the car, select a suitable program, insurance period, etc., after which you can receive a full calculation of the amount for the policy.
After filling out the form, the data will be checked for some time; if approved, the client pays for the policy using a bank card, logs into his account again Personal Area and downloads the finished policy.
Some nuances to help clients
Many car owners are afraid to take out RESO car insurance online, preferring to personally visit insurance branches, and this is completely in vain. The electronic policy is no different from the standard paper version, however, it does not invalidate it and has an identical price. Additionally, to help clients, RESO-Garantiya provides a list of answers to frequently asked questions.
Helpful answers to common questions
- How to present an electronic version of the policy to a traffic police officer? Print it out and carry it in your car.
- What should I do if I have difficulties verifying data when applying for a policy? Such cases are extremely rare, but if this situation occurs, you can arrange delivery to your home or drive up to the central office.
- Is it possible to add a new driver during renewal? Can.
- What to do, if software Adobe displays “unknown” when checking a signature? This does not always mean that the signature is invalid; more often than not, this program requires an update.
- Where to go if there are technical problems on the portal? To the technical support service on the website [email protected].
Car insurance through the Internet portal from the RESO-Garantiya company is a convenient service that is completely identical to personal registration in offices. It allows you to calculate the total amount in detail and quickly receive a document without leaving your apartment. The dispatch service operates around the clock; in addition, it is possible to include a tow truck call in your insurance, and discounts are offered.
How to buy electronic MTPL insurance online from RESO?
For anyone who is interested in electronic MTPL insurance from RESO-Garantiya, you can buy it online on the company’s official website. According to many users and clients, the portal interface is somewhat difficult to understand, errors constantly pop up, so it is necessary to strictly follow the sequence of actions that will be discussed below.
Instructions on how to buy electronic MTPL insurance online at RESO-Garantiya
"RESO-Garantiya" is one of the largest insurance companies, carrying out all types of activities in this segment, including compulsory insurance OSAGO is in the first positions. To better understand the entire procedure for applying for an e-MTPL policy, as experts recommend, you need to try to carry out all the steps in another company and make a preliminary calculation of the cost of MTPL insurance. This approach will help you see the error and correct it in time. Considering the fact that a large number of clients use the company’s services, system freezes are possible, as a result of which confirmation codes and other messages are not always received correctly.
Registration on the portal
A new client needs to strictly follow the sequence of actions. Often, clients who contact this insurance company for the first time confuse two concepts: buying and selling online. Therefore, when choosing the option “Occupy an MTPL policy” online, use “Renew the policy online”, even if you are performing the operation for the first time.
Then registration is carried out indicating the real data about the driver. Do not forget to consent to the processing of personal information and entering the captcha from the image.
Then you need to click “Check data”. On the newly opened page, enter your username and password. The login is the phone number without the eight. Address must be indicated Email, which will receive the issued e-OSAGO policy. A password is created for the login, but in addition the password from the SMS message received on the phone is entered.
Click on “Register”. Further developments are possible in two scenarios: the user will be successfully registered or a window indicating an error will appear.
The presence of an error does not mean a lack of registration. Registration, as a rule, is successful and you can log in to your “Personal Account”. An error window and the absence of confirmation codes via SMS may be due to server overload or inconsistency in the browser. As practice has shown, the best stable operation of the service occurs in the Internet Explorer browser. If such a window pops up, it is best to continue working the next day.
Registration of an MTPL insurance policy
How to properly issue an electronic policy, to do this you need to go to your “Personal Account”. Next, enter your username and password, the system will request a one-time password, which will be sent as an SMS message to your phone. Only after this you can go to the portal for further actions.
On the left we find “Issue a policy” and click LMB.
For the company's clients who had compulsory motor liability insurance, a full list of documents is immediately opened. If you have a policy with a valid term, you can click on “Renew” in the last column. When applying for insurance for the first time or if it has expired, you must enter all the data in a special form.
If the MTPL policy has already been issued by any other company, then it is necessary to ensure that the data matches, since the old information is stored in the RSA.
Attention! If you lose your driver's license, the date of the driver's license refers to the date of issue of the primary documents. And look at the diagnostic card number on the back in the notes (21-digit number).
After filling out all the fields, you need to click on “Calculate”. A number will appear corresponding to the cost of the MTPL policy. Then you should save everything. On at this stage a window may appear indicating an error that has not passed the check in the AIS RSA. Why this happens and what to do will be discussed later.
If the check is successful, a window will appear asking you to pay for insurance with a bank card. If you don’t do it right away, then at 12 o’clock at night everything will be canceled and you’ll have to go through the registration procedure again. After paying for the policy, a window will appear from where you can download it.
The result is as follows
This document must be with the driver at all times.
What to do if an error occurs: “Failed verification in AIS RSA”?
Having decided to buy electronic MTPL insurance online from RESO-Garantiya, the user is often faced with an error generated by the system that the information has not been verified in centralized system RSA. The reason is that the entered data does not correspond to the information in the RSA database.
Main reasons:
- There was a data entry error. One letter or number entered incorrectly is enough. Some insurance company portals immediately display an error if filled out incorrectly.
- Discrepancies in any document, sometimes due to discrepancies in the Certificate of Registration and PTS. If you already have a policy, then you should check all the points with the old document.
- The agent could have made a mistake when applying for a compulsory motor liability insurance policy in the past, and it is still stored in the database. Contact Support. Such issues are considered within two days.
As you can see, there can be many reasons for an error to occur. Most often this happens due to a discrepancy between the information entered by the motorist and the RSA database; this is an inaccuracy made by the previous agent. And if an error is found, after receiving the e-MTPL you should definitely contact the insurance company and prove that you are right, thereby protecting yourself in case of an accident. You should buy a policy only if all the information is entered correctly, otherwise the document may be considered invalid. Due to the large number of questions that arise, the company has collected them together in the column “Questions and answers to the MTPL policy”, so before contacting the support service, study this section.
The RESO-Garantia company is one of the largest in Russia. Its branches are scattered throughout the country. Therefore, if errors occur when issuing an electronic MTPL policy, it is best to contact a physical office, especially if the inaccuracy has already been identified. Insurance via the Internet has the main advantages: saving your time, as well as checking all entered data in detail and carefully.
How can you use the calculator to calculate OSAGO 2016-2017 from the company "RESO-Garantia"
The RESO-Garantiya company is known for stable payments for insurance claims, which has a positive effect on customer confidence. The MTPL policy 2016-2017 compares favorably with analogues of other companies in that it makes all payments to the injured party without the participation of intermediaries. In addition, it is possible to take out additional insurance that allows you to compensate for damage to third parties. To find out the cost of the policy, you can calculate auto insurance using the 2017 calculator, which is located on the company’s website.
Features of issuing an MTPL policy 2016-2017 using an online calculator
Many companies offer to calculate compulsory motor liability insurance, including the company "RESO-Garantiya", however, it still provides direct compensation for damage. Insurance payments are made within seven days. At the same time, the organization’s clients do not have to deal with other insurance companies in the event of an accident. If there were only two participants in the accident and property was damaged, not people, then a simplified registration option is provided without the police, which saves nerves and time.
To do this, you need to contact the insurance company for an MTPL policy in advance. To go through the registration procedure, you will need a passport, technical documentation for the vehicle, a driver’s license and a previous insurance document. Then, on the website of the RESO-Garantiya company, you can go to the calculator to calculate OSAGO 2016-2017.
In order for the calculations to be carried out correctly, you must fill in all the fields in this program. At the end, the amount to be paid will be shown. Below are the items that need to be completed:
- It should be noted who owns the vehicle.
- The type of vehicle is selected. The trailer structure must be indicated if it is available.
- You must specify the motor power.
- The term of the contract for settlement must be indicated.
- The period of use of the vehicle also matters.
- It is also worth indicating the safety class. This factor may affect whether you receive a discount.
- The region must be selected by registration, as well as the locality.
- It is necessary to indicate whether there were any violations of the terms of the insurance contract.
- If the transport will be driven by different drivers, for example, a bus, then you need to check the “without restrictions” box.
To use the calculator for MTPL, you need to go to the RESO-Garantiya website. On the website you can read what requirements are put forward to the company’s clients, as well as the necessary conditions and procedure for completing documentation.
If you have any questions, you should contact the company’s employees, who can advise you 24/7. If the conditions and procedure for calculating compensation funds are clear, then you can analyze the required amount of monthly contributions. For this you will need an MTPL calculator.
After all fields are filled in, company employees will check the information provided by the client. When the scan is completed, a message will be sent to your phone indicating that the scan is complete. You will also be sent a password to log into your personal account on the website.
In addition, information on existing contracts will be provided. In this case, the document can simply be extended.
After all work is completed, you will need to pay the bill using a bank card. Then you need to go to your personal account, download the finished document and print it.
What influences the cost of an MTPL policy?
The cost of an auto liability policy is influenced by the following factors:
- Transport power.
- Purposes of application.
- Region of residence.
- The number of persons who can drive this vehicle.
- Experience and age.
- Seasonality of use.
- Number of insured events in the previous period. If there were none, then the cost will be lower.
With the right approach, you can make calculations and apply for insurance with a company very quickly using a calculator. If desired, document delivery can be ordered to your home. "RESO-Garantiya" provides full information about the services provided.
How to correctly calculate CASCO insurance from IC "RESO-Garantiya": using a calculator
A car is not only a means of transportation, but also a source of certain risk, which is why the owner needs to insure his vehicle. When choosing insurance from RESO-Garantiya, you can calculate CASCO in a simple way. You can find out what the price of car insurance will be using a special calculator on the company’s website.
Advantages of insurance in the company "RESO-Garantiya"
Purchasing CASCO is a guarantee against theft and damage to the vehicle. The insurance policy allows you to restore the vehicle in special authorized facilities.
CASCO provides insurance of any vehicle against damage, fire, theft and natural disasters. In this case, additional insurance of passengers and drivers against accidents is assumed. This protective mechanism allows you to expand some of the capabilities of MTPL.
RESO-Garantiya insurance has certain advantages:
- Payments are made without certificates from the traffic police.
- Payment in installments is possible, but the cost of the policy does not increase.
- Providing special discounts for regular customers.
- Possibility to use a calculator to calculate CASCO insurance.
- A special option that provides full reimbursement of costs in case of vehicle theft.
- You can purchase a policy at any branch of the company or place an online order on the website.
- If it is necessary to renew the document, a deferment of 15 days is offered, during which time the fee can be paid.
- Selecting payment methods in the event of an insured event.
IC "RESO-Garantia" offers its clients additional program"Resoavto", which can be used to evacuate a car, call emergency service or call a specialist if an accident occurs.
How to calculate CASCO
To find out the cost of the policy, you can use the CASCO calculator or contact the nearest office of the company. If, nevertheless, a car enthusiast decides to calculate the cost online in 2017, he needs to enter the following data:
- Characteristics of the vehicle.
- Insurance conditions.
- Driver information.
- Responsibility and terms of indemnity.
- To perform the calculation, you must enter the period for which the policy is taken out. The name of the previous company is indicated, and information about the owner is also entered.
You can pay for insurance either immediately or in equal installments.
In a situation where a vehicle is pledged, it is necessary to indicate the institution in which it is pledged. In addition, indicate the type of car, year of purchase and manufacture, as well as mileage. It is imperative to indicate the people who may be allowed to manage. It is required to fill out the driver's experience and presence of anti-theft devices. It is also important to choose the type of payment for potential repairs.
If you select and arrange a profitable program option in a timely manner, you can fully compensate for your losses in any unpleasant situation.
CAR-TOTAL from RESO-Garantiya: registration, procedure for participation in the auction
"CAR-TOTAL RESO" is an innovative development of an insurance company intended for the sale of residual cars that belonged to the company's clients. The online auction is available to anyone who has registered on the website. In order for users to get answers to questions about the trading process, they have the opportunity to send a letter to [email protected], noting “FAQ” in the topic.
How to register on the site
The auction "KAR-TOTAL" from "RESO-Garantiya" is available only to registered users of the site. You need to go here and click on “Registration”:
A form will open that you need to fill out:
All data must correspond to what is indicated in the passport.
To complete accreditation, you must present your passport at the office (in Moscow or St. Petersburg). The second option is to send to [email protected] from the address specified when filling out the form, scanned color pages containing personal data and information about the place of registration. To complete registration, a company employee contacts the client by phone.
If registration is completed successfully, you can view the site on the website or visit the parking lot (during bidding once a day), inviting a friend with you who has a passport. There are only two parking lots: on the highway passage in Moscow and in the Vsevolozhsk district of the Leningrad region.
How does the KAR-TOTAL RESO auction work?
Each lot has a minimum price and step. The auction will become available after the lot has been selected and an application has been submitted. Notices of conditions and terms are published separately for each lot on the company’s website (in the “Auctions” section). Before placing a bid, each participant can inspect the lot in the parking lot (the address is indicated on the card). When placing a bet, it is necessary to take into account that the increase must correspond to the step. You can refuse further participation provided that the bid is not the highest or the second.
The auction ends when someone offers the best price. If you don’t have time to participate in bidding, you can set the system to the maximum cost and step. Offers will be generated automatically. Lots for which no bid is offered are reduced in value by 20%.
The winner is the participant who offered the highest price. If it is lower than that set by the seller, the winner and the participant who offered the second highest bid are offered a buyout at his price. If the winner refuses to purchase, the lot may be purchased by a second participant.
Payment for the lot in cash or by bank transfer must be made no later than 3 days after signing the contract. If the winner refuses payment, Account blocked for six months. The vehicle must be removed from the parking lot within 3 days (counting from the date of payment). If the deadlines are not met, a fine of 500 rubles will be charged. per day.
An auction is an event where prices are determined depending on the damage to the car. The advantage of RESO-Garantiya is that it is possible to inspect the lot in the parking lot. This reduces the risk of vehicle damage exceeding that stated by the organizer.
Conclusion
The insurance company "RESO-Garantia" stands guard over the safety of life and health, vehicles and others no less important points. Convenient programs have been developed for the car enthusiast, with the help of which he can easily find out the cost of the MTPL or CASCO policy, purchase it in the office or online, and also purchase a car by participating in an auction.
We offer you the most popular RESO-Garantiya product - the "RESOauto" (auto insurance) policy.
Who and what can be insured under the RESOauto policy?
Any cars (even before registration with the traffic police) from theft and damage as a result of a traffic accident, fire, explosion, natural phenomena, falling objects (including snow and ice), falling stones, as well as as a result illegal actions of third parties.
Additional installed equipment.
Driver and passengers from an accident.
Civil liability of the driver in the amount of up to 30 million rubles.
Motor insurance policy guarantees:
How does insurance coverage work?
At your choice, your car will be restored or your repairs will be paid for.
You can choose three options for compensation for the risk of "damage", which also affects the cost insurance policy:
1. Payment for repairs at service stations of official dealers in the direction of the insurance company;
2. Payment of bills for actual repairs performed at the service station of an official dealer at the choice of the policyholder;
3. Payment for repairs at service stations that are not official dealers, in the direction of the insurance company.
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* You can find out about the possibility of this method of calculation at your branch.
Information about services does not constitute the final offer of RESO-Garantiya. The conditions for their provision, as well as payment of compensation, are fully specified in the Insurance Rules. This is not a public offer.
IN Lately The sale of damaged cars, and, in particular, by insurance companies, is becoming increasingly popular. This process is quite complex and consists of several successive stages, which represent certain mandatory activities. Previously, this was done by resellers or private individuals on an individual basis. Purchasing a used car from an insurance company has clear advantages, however, it is not without its disadvantages.
How do insurance companies repurchase damaged cars after an accident?
Those who have been in an accident can be bought by the insurers themselves. This happens in the following way: an insurance company appraiser evaluates the car offered for purchase by the owner. The residual value, including damage and associated fees, is paid to the owner. The rights of use and disposal are transferred to the insurance company.
All sorts of cars are bought: with partial breakdowns and in disrepair, after an accident, which cannot be restored, i.e. total destruction, with very serious damage. However, in order to buy back a damaged car Several conditions must be met:
- the car must have a full package of documents;
- the car should not be pledged to a leasing company or purchased on credit, the principal of which has not yet been repaid;
- the car should not be wanted; this can be checked by running it through the general database of the official website of the traffic police service;
- no criminal or other legal proceedings should be initiated against the owner of the car.
The car will be repurchased by the insurance company only if all of the above conditions are met.
The owner of a damaged car frees himself from additional hassle associated with repairing the vehicle or selling it. In its turn, acquires additional status as a platform for selling used cars on a par with car markets, auto pawnshops for their further sale in parts or restoration and operation.
Insurance companies can buy used cars in two ways:
- the old owner independently delivers the car to the specified location, making expenses at your own expense;
- arrives at the location of the vehicle to inspect and evaluate it, after which, having completed the necessary documentation on the spot, he organizes delivery of the car at the expense of the insurance company to the designated location.
In the second case, the amount for services rendered is calculated from the residual value of the car due to be paid to the former owner.
The need to buy a used car
Today, consumers are presented with the widest choice of cars of domestic or foreign production, various brands, models, capacity, class and in various price ranges. Cars are sold both at prices affordable to citizens with an average income, and at prices affordable only to people with high level income. Few people are interested in buying a used car; it is a second-class product, used and not having high enough characteristics. Purchasing a car that has been in an accident may be due to the following reasons:
- for subsequent restoration and operation;
- for disassembling into spare parts in order to use them to repair another car or cars;
- for disassembly into spare parts for the purpose of resale.
When purchasing a damaged car from an insurance company, it is better to seek help from independent experts who will determine the real condition of the car, as well as the real cost of its subsequent repair, if possible. Despite the fact that any intermediary insurance company involved in the sale of used cars employs an appraiser, you should once again be on the safe side.
Damaged car before and after repair
The need to repair a damaged car with subsequent operation may be caused, for example, by the desire of its new owner to make the most of the new car, “squeezing” all the capabilities out of it, and at the same time not have any special losses in case of further damage. These could be young drivers, racers, etc.
In general, potential buyers of used cars can be: individuals, and legal, and quite large companies.
Calculation of the residual value of a damaged car
Calculating the residual value of a car that has been in an accident is a rather labor-intensive process., often involving several specialists at the same time: appraisers, mechanics, and other specialists.
Calculating the cost of damaged modern cars requires a special approach, since they are equipped with electronics, electrics, advanced engine control units and other complex mechanisms. Calculating the cost of damaged Soviet-style cars is simpler.
For precision, the specialists involved in the process use not only deep knowledge of the mechanisms, but also special equipment.
From the real cost of a new undamaged car of a certain make and model, the amount that is supposedly needed for restoration (repair) is subtracted - indicator A. From this amount it is necessary to calculate 10% due to the insurance company as commission - indicator B. In addition, the wear rate of the car is calculated, which is also deducted in the form of a certain amount - indicator C. We get the formula: A – B – C = D.
In addition to the above calculation, you can make a control call to other companies and work out comparative analysis the prices they offered.
Options for selling damaged cars by insurance companies - auctions
You can buy a used car from us in the following ways:
- at special sites;
- on special websites;
- at auctions.
Each method has advantages and disadvantages. Considering options for used cars on websites, there is no possibility of visual inspection of a specific car, which may entail unnecessary unforeseen costs in the future.
It is quite convenient to choose a used car offered at special sites - auctions. In a certain area, used cars offered to buyers are displayed. Visitors are supervised on any issues by consultants working in the market. When purchasing, documents are drawn up on site or at the office of the insurance company.
When purchasing a used car on a special site, the buyer has the right to involve independent experts on his part to confirm the assessment made by the insurance company’s specialists and its compliance with reality.
Auction sales of used cars have become increasingly popular lately. This method saves time for two parties: the potential seller - the insurance company, and the potential buyer - an individual or legal entity.
On special websites that sell used cars at auction, the insurance company places an advertisement for the sale of a vehicle of a certain make and model, which is simultaneously visible to all potential paying buyers. By filling out the form provided, they offer their terms of purchase. After which the insurance company selects the most optimal offers. The auction organizers notify the potential buyer. On some sites, the procedure for buying and selling used cars is slightly complicated by additional procedures.
Payment to the seller (insurance company) can be made in cash or non-cash in accordance with the agreement of the parties.
Pros and cons of buying out from insurance companies
There are both pros and cons for the buyer in completing this transaction. When purchasing a damaged car, even from an insurance company, you must be extremely careful and vigilant.
Pros:
- saving Money when buying a car;
- saving time when checking documents, since the insurance company provides the buyer with all the necessary documents;
- the car has been checked for possible theft;
- the car is protected from the rights of third parties.
Minuses:
- subsequent car repairs in the event of a breakdown can be quite expensive;
- the risk of a car breaking down at the most inopportune time;
- the need for passage after repair.
When purchasing a used car, even from an insurance company, money must be transferred only after the car has been re-registered at the State Traffic Inspectorate, with full confirmation from an Inspectorate employee that the documents have been completed correctly.
Legal regulation of the sale of used cars by insurance companies
Today, the sale of cars that have been in an accident, are subject to full or partial repair, or cannot be repaired at all, is officially permitted for sale.
If a damaged car is to be restored, it must undergo a technical inspection before starting its operation.
Necessary documents for selling a used car
If disputes arise in connection with the inconsistency of the legality of concluding a contract for the sale and purchase of a used car, they are resolved in court, where the plaintiff is the buyer - an individual or entity, and the defendant is a seller, engaged in the sale of used cars.
Damaged cars from insurance companies, consequences of accidents video
Selling a used car is a rather specific process, in which both parties want to profit from it as much as possible. In order to make a transaction as profitable as possible for both one party and the other, it is necessary to follow the procedure for completing it at all stages in accordance with the established rules and current legislation.
