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For car insurance, depending on the purpose, there are different types of insurance. CTPV is mandatory, it insures your liability in the event of an accident to the injured party. CASCO - helps cover the car owner's repairs in the event of an accident. And the Green Card - like CTPV, protects your liability, but in other countries. What insurance would not be needed, the same question worries: how to protect yourself from buying a fake policy?
The danger is not only that the driver will spend money on a fake and will have to buy insurance again. And, not even that he will pay a fine when the police check the documents. The main danger is to find out that the insurance is not real, when an insured event occurs. Then unforeseen expenses will really be a problem for the driver.
The misconception that electronic insurance is sold more often than paper insurance is due to the fact that in general, in other areas you can often meet online scammers. In fact, drivers who buy paper policies are more likely to suffer from fake insurance. And owners of electronic documents face this problem much less often.
Take the example of the OSCPV - its authenticity can be checked via the Internet. So it turns out that customers who are used to shopping via a smartphone can protect themselves. But, regardless of whether you buy paper insurance or via the Internet - you need to learn to distinguish a fake from the original. We will tell you about each separately:
The main "client" of scammers is the one who is in a hurry to get insurance as cheaply and quickly as possible. To choose the best price, drivers go to dubious agencies or mobile points of sale for the document.
There are two types of fakes most often: a fake form or a real one, but the policy issued is invalid. On the spot, without special tools, it is difficult to distinguish the original document from a fake. But here's what you should pay attention to:
With an electronic policy, it is more difficult to get caught by scammers, since they do not issue a paper document - which is usually forged. You can immediately check this policy and the insurance company through the MTIBU database. If the driver is shown information from another site, you can immediately understand that they are scammers and you need to apply for a policy to another company.
Becoming a participant, or even worse, the culprit of an accident is an unpleasant situation, in general. But if it happened in another country, the stress level is much higher. The same applies to a fake Green Card document. No one wants to end up in another country with fake insurance and have to compensate for the damage on their own. What you should pay attention to when buying a Green Card:
Complete comprehensive insurance, unlike the MTPL and the Green Card, is not mandatory for the car owner. This policy is taken out at one's own request to cover the costs of repairing one's vehicle. Not only in the event of a possible accident, but also in other cases: car theft, its breakage by a third party, fire. Accidents, such as a tree falling on the roof, hail, other unforeseen situations. What does a comprehensive comprehensive insurance document look like? There is no single sample and they are all different. A few recommendations that will help you not to buy a fake:
Remember that, in addition to the original CASCO policy, you must be issued a document confirming the payment of insurance premiums. As well as the rules of the insurance company.
In order not to get bogus insurance, carefully check the correctness of the information entered in the document. And also study the information about the insurance company you are contacting on the Internet. Such a check will not take much time, but will help protect yourself from buying a fake policy. The main thing is not to rush and not try to find a policy much cheaper than the average cost. After all, scammers appear in such situations.
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