Insurers have warned about the activation of scammers who create fake (phishing) sites that imitate the sites of real car insurers to illegally collect payments for the purchase or renewal of OSAGO policies, said Sergey Efremov, vice president of the VSS, according to Finmarket reports.
Recently, customers of several major insurance companies received text messages with offers to renegotiate or renew their insurance contract, with a link to a fake website. Insurers are warning customers to be very careful when executing OSAGO contracts online.
Another problem with online insurance is the practice of getting an OSAGO contract at a lower price, which is achieved by falsifying data when creating an online contract.
pseudo policies
That is, intermediaries offer to conclude an OSAGO contract for 1-1.5 thousand rubles on the Internet with a warning that you can not request payment from the insurance company. This agreement is concluded to register the vehicle and the policy is formally included in the PCA information system. When checking the traffic police inspector there will be a corresponding entry in the AIS OSAGO system and he will not ask any questions.
But in the event of an accident, if the victim has a full OSAGO policy and the perpetrator of the accident has a policy registered in the system but issued for a different vehicle or with incorrect coefficients (which entitles the insurer to to refuse payment), it is only possible through the courts to receive compensation from the owner of the fake OSAGO policy. It will be a person’s compensation, not an insurance benefit. If the opposite happens: the victim has a fake policy and the accident victim has a fair OSAGO policy, then the victim will get a full refund from the car insurer. This is how unfair it works.
Policy with biased data in 95% of cases go undetected, because according to Central Bank statistics, the frequency of occurrence of an insured event for OSAGO is only 5.48% (according to data for 2021).
The number of OSAGO agreements made today in electronic form with false information is at least 1.1 million (about 3% of the OSAGO market), and the damages to car owners (misappropriation of policyholders’ money) and insurers ( shortfall in insurance premiums) from illegal activities in the field of electronic OSAGO, according to VSS statistics, is at least 4.2 billion rubles.