You can purchase an OSAGO policy not only at the insurance company’s office or during a face-to-face meeting with its employee, but also online.
About 80% of contracts are drafted in electronic form, Sergey Efremov, RAMI’s deputy executive director, said in an interview with Sputnik Radio. It is here that car owners are most often misled.
Ways of Deception When Buying an OSAGO Electronic Policy
A citizen buys a policy on the internet and ends up on a phishing site, for example, where he simply loses money. In order not to become a victim, you should carefully monitor the site address you type. It is enough that one character in the address is different to get to the scam site.
There are also other arrangements. For example, in an effort to save money, a car owner buys a cheap policy from an intermediary, who enters into the PCA database information about another driver with a small CBM (a bonus-malus coefficient that affects the cost of the policy), a another region, a cheap car, and then falsifies the information on the electronic form and sells it to a citizen. And after checking, it may turn out that the tractor or motorcycle was insured and not this particular car, Sergey Efremov explained. For forgery, the car owner will have to answer himself.