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Since 2018, you can apply for a motor third-party liability insurance policy via your smartphone, from home, without visiting the insurance company's office. This saves time and also makes it possible to check the security of the transaction right away. We tell you everything you need to know about the electronic document:
Motor third-party liability insurance policy insures the driver's liability in a road accident. Every driver must apply for a state policy. Because it is not about preserving his property, but about preserving the health and property of other people on the road. Those who may be injured in a road accident due to the fault of the driver of another car. To avoid a situation where it is necessary to pay for expensive treatment and repairs, and the culprit of the accident does not pay the money - because there is no such amount. The money is paid by the company that insured the driver. Or, in some cases, the Motor Transport Insurance Bureau of Ukraine.
The document is drawn up in offices, sometimes a courier with documents comes to the house, but the most convenient option is to conclude an agreement online.
This way there is less risk of overpaying or falling for scammers who offer too cheap a document. After choosing a company - check it on the MTIBU website, the database should contain information about all reliable companies.
We will talk about the main advantages, as well as the concerns associated with the electronic version of the document:
With an electronic document, you are less likely to fall for scammers. Contrary to popular belief about fraud on the Internet - a paper policy is forged more often than an electronic one. In paper, you can forge a seal, a form, enter data incorrectly that cannot be quickly verified. In electronic, you immediately check the authenticity and validity on the MTIBU website.
Cheap and fast is not an empty promise. Cheap - because the company also does not spend money on office rent, employee salaries, and issuing paper copies with seals. And fast - because you do not waste time traveling and filling out papers in the office. Buying an electronic OSCPV policy is simple, enter your data on the website and within 10 minutes receive insurance in your mail.
Convenient. The policy will not be lost, will not be damaged, and it will not take a lot of time to restore it. The electronic copy can be saved in the mail, on the phone, or on the computer. Print and store in the glove compartment. In addition, it is convenient to choose a policy when no one is in a hurry to make a decision. You independently study information about different companies, calculate the cost and make a considered decision without the agitation of an insurance agent.
It is not necessary to have an original paper OSCPV. There are fears among drivers that they may be fined on the road for not having it. Previously, there were cases when a driver was fined, arguing the fine that the electronic document was not valid. But since the beginning of 2018, the National Financial Services Commission has issued an order confirming the legality of an electronic policy. So this is not a violation and it is illegal to issue a fine. The police officer must go to the MTIBU database himself and check the validity of the insurance, if necessary.
Why check the validity of the OSCPV? To understand until what date the insurance will be active. Will you be able to issue a new one in time and avoid situations where you remain uninsured for several days and get into an accident? Also, to check that the insurance company issued you a real policy that was entered into the official database. To check, do the following:
If you have just issued insurance - do not worry. It may take a few days for the data to be entered into the database. After a few days, the information still hasn't appeared? Contact the insurance company and ask about activating your document.
If the information indicates that the policy is issued for another vehicle, is lost or damaged, or has expired, it means that the insurer entered the data incorrectly or is trying to pull off a fraud. Then you should report the problem to the MTIBU.
And to prevent this from happening, check the reliability and reputation of the insurance company you are going to contact in advance.
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