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Over the past few years, the smartphone has turned into a multifunctional personal assistant. Access to the Internet anywhere and at any time, the ability to buy things, send documents, and travel. You can even pay in supermarkets by phone. To plan a trip, one gadget with Internet access is also enough. I bought a plane ticket, travel insurance. I booked accommodation and that's it, you can go.
There are also a number of advantages for car owners. For travel, you can issue a Green Card and it will be sent by mail. And the OSCPV policy, which is valid within the country and can be purchased in electronic form and then printed out yourself.
Do you take risks by buying an electronic version of the policy? Let's break down all the nuances:
MTPL — mandatory driver's liability insurance. This is state insurance and according to the law, you cannot drive on the road without it. Why is it needed?
Liability insurance — helps the person at fault in an accident cover the costs. The insurance company compensates for damage to the car, property, life and health of the person injured in the accident. But be careful, this insurance does not apply to the vehicle of the culprit. To protect your car in such cases, you need a CASCO policy.
How to apply? You can contact the insurance company's office or apply for a policy online. You can immediately calculate the cost on the Internet.
The price will depend on:
The electronic version has its advantages, such as:
Fears about the electronic policy that drivers face:
It is important to know: in February 2018, an order was issued by the National Financial Services Commission, which confirms the legality of the electronic policy. Based on this order, — drivers do not have the right to fine them for not having a paper original or a copy of the OSCPV. So, whether to print a paper copy or not — it's up to you.
You need to buy an OSCPV policy in any case — it will be electronic or paper. But, obviously, an electronic document has more advantages: the possibility of remote purchase, quick processing, saving the document — it is impossible to simply lose it.
What are the arguments in favor of a paper policy? Only one - you do not have the opportunity to pay with a bank card and you need to make a cash payment. But, even in this case, if you want, you can just go and transfer money through a terminal near the house.
The only difficulty that the owner of an electronic document may face is the police's deception that such a policy is invalid. But you just need to talk about the order of the National Commission for Financial Services. Knowing your rights, the driver is protected from such problems through an electronic document.
An electronic policy has more advantages than a paper one, but which one to buy - only the driver decides
Is it possible to drive abroad without insurance?
What should a tourist do during an insured event?
