To understand why Rosgosstrakh sends a replacement insurer to the site, you need to understand that these are problems with the functioning of the page. For safe work, it is proposed to go to the "substitute insurer" page. Let's try to figure out why this problem occurs and how to solve it.
What is a replacement insurer and why Rosgosstrakh redirects to it
All companies that have the right to the official distribution of OSAGO are united in common group Russian Union of Motor Insurers. In turn, they divided the cars, according to the state number of which you can distinguish which organization they belong to.
Territorial affiliation does not play any role, so your number can be assigned to an insurance company from another area. Although each organization, in addition to the main office, has a number of branches that are located in each region. Usually, the distribution occurs depending on the amount of capital and the leadership of the insurance company. That is why Rosgosstrakh got the largest number of vehicles, unlike other firms.
This program was created to prevent illegal agreements and obtaining "poor quality" insurance policies.
What is the reason for the failure
Not all insurance organizations agree to insure certain areas, sometimes cars or drivers simply do not fit certain criteria. For fairness, it was introduced that every company is obliged to take not only honest, but also "bad" clients.
In the field of providing services for OSAGO, such criteria are implemented in this way. Russian legislation states that if an insurance organization is unable to provide services to a client due to technical violations (although no one can guess this is a site problem, or it was simply automatically determined that you are an unnecessary client), then the site must redirect the user to replacement insurance organization, which is determined by the number of the title.
That is why the page gives such a strange error as the risk of interruption of continuity. this phrase is an integral part of the law. With this law 2011 N 27, art. 3872, can be found.
By going to another page, they should provide you with all the necessary insurance services. If failures and failures occur there, then this Insurance Company subject to penalties.
What to do in such situations
The first thing to do if you need to get insurance from a given company, on the page that you visited initially, you need to change some of the entered values. For example, you need to change drivers with bad KBM to multidrive. In some cases, this allows the system to let you go further to make a payment and buy OSAGO.
If there is an error and a redirect, then it is better to use it and buy an insurance policy from a replacement organization, because. there is a much higher percentage of receipt due to high penalties from the central bank.
Although no one promises 100% guarantees, however, the replacement insurer does not have the right to refuse you the service due to technical malfunctions, so you can try. You also need to take into account the fact that you need to upload screenshots or copies of documents, so if they do not look in accordance with the AIS RSA database, then the insurance agent must check them and add them to the lists on their own.
Many drivers are afraid to receive OSAGO in this way, because the replacement insurer is a practically unknown organization that does not have branches in their region.
No matter how suspicious it may be, this is clearly stated in the OSAGO legislation. Each organization engaged in insurance must have an official borrower on the conclusion of OSAGO. For small companies, this role is given to large insurers, such as Ingosstrakh, Rosgosstrakh. In this case, when unforeseen circumstances arise, it is necessary to go to the branch.
To learn more about who supervises your region, you can call the hotline or on the official website of the replacement insurer. For simplicity, you can familiarize yourself with the list of representatives of insurance organizations in Moscow and the regions.
Substitute insurer on the PCA website
The Russian Union of Motor Insurers in 2017 created a new rule. In order to ensure guaranteed registration of OSAGO, the site visitor is redirected not only to the replacement site, but also to the PCA page. There, the client has the right to buy an insurance policy from a replacement company. Although this innovation has not yet really entered into force.
On July 25, PCA introduced e-Garant into the system. In addition, the “Go with data transfer” function most often does not work. Such an error implies that it is necessary to enter again the personal data of the passport, title, driver's license on a new page.
Conclusion
When this transition appears, you should not panic, but simply follow the proposed scheme.
26.01.2017
Something About the Substitute Insurer Mechanism
According to the Russian Union of Motor Insurers (), since January 1, 2017, there has been an increased interest of car owners in relatively new opportunity- to the acquisition of electronic policies "autocitizen". The Central Bank, however, has already recorded more than 100 complaints about problems related to the acquisition of e-OSAGO.
According to some experts, there are suspicions that the replacement insurer mechanism developed by the PCA is used by some insurance companies to minimize their risks in "toxic" regions.
The essence of the mechanism is simple: if technical problems on the website of the selected insurance company do not allow issuing an e-policy at the moment, the policyholder is redirected to the website of the replacement insurer, the choice of an alternative solution is made randomly from all licensed OSAGO insurers.
The possibility of such redirection complies with the standards enshrined in the rules of professional activity of the PCA, and has been agreed with the Bank of Russia. But although the mechanism was created as a guarantee of uninterrupted sales of electronic policies, in practice it may well be used as a tool for shifting risks to other members of the union.
Indeed, RAMI President Igor Yurgens notes that some insurers in some regions have a level of sales of electronic policies that is significantly lower than the market average. So, if in the Sverdlovsk region as of January 24, 2017, insurance companies concluded 6.5 thousand OSAGO agreements (against 500 in 2016), then in the Chukotka and Nenets districts, in Tyva and Yakutia, in Altai, in Magadan and In the Jewish regions, this figure did not reach 100 by January 19.
Of course, for most consumers, electronic OSAGO is a new service, which explains certain difficulties when filling out insurance applications and when communicating with an insurer via the Internet. However, nationwide, in the first 20 days of the new year alone, more than 100,000 “autocitizen” e-policies were sold, which is the best evidence of the huge potential of the service.
In connection with the complaints of policyholders, on February 2, at a meeting of the Board of the RAMI, proposals from relevant committees on the development and implementation of sanctions for violators of electronic sales will be considered.
Drivers trying to issue an electronic OSAGO (whether it be Rosgosstrakh or any other company), after filling in and checking all the fields, often receive the following error and the sentence “Go to the site of the replacement insurer”: Due to the threat of violation risks ... The wording may be different , but the essence is the same - you are informed about the presence of a certain “threat of the onset of risks for the uninterrupted operation of the site” and are offered to go to the site of a “substitute insurer”.
When applying for OSAGO online, Rosgosstrakh transfers to the rsa website
If you are lucky you will pass the PCA database check, but this is for the “chosen ones”, most will see
They even have a whole problem to start a personal account, I managed it a day later.
I would like to say in conclusion.
Hello dear Irina!
I, half of the deceivers in Russia are holding on and getting richer (for the time being, I hope).
They took 2000 rubles from me and I also thanked for the help. Cool!
Tinkov - payment error.
RESO - unreadable captcha.
INGOS and RGS redirect to insure Krasnoyarsk.
Renaissance and VSK in the Altai Territory.
Good afternoon, dear Ivan!
If you do not want to conclude a contract with a substitute insurer, please try again later or use a different browser.
Me: - I'm trying to get an E-OSAGO, I'm being redirected to the PCA website, how long will this continue? Call Center: - In general, this has been established by law since July by the Central Bank, all insurance companies must equally sell policies electronically if you are redirected by the Russian Union of Motor Insurers.
Me: — No, I am not being redirected by PCA, but your website is being transferred to PCA, and only then they.
T-verba › Blog › 7 circles of hell, or how to get an E-Osago without additional supplements ... 10 insurance RSA
t-verba › Blog › 7 circles of hell, or how to get an E-OSAGO without special stages… 10 insurance + PCA I haven’t written anything for a long time, but today it’s just boiled up - I can’t help but speak out☺ In a couple of weeks, my OSAGO ends and I decided on this year to make it in advance and, if possible, without special stages.
The machine passed the diagnostics itself without any problems - the diagnostic card is on hand. Attempt No. 1 (or rather 1-11, there were a lot of them) I wanted to extend the existing VSK policy, registered on the site, painstakingly filled out all the points - full name, passport data, registration, title number, VIN of the car, data on all entered drivers etc., attached all the documents - all the checks were passed, I was calculated the insurance amount of 2,899.07.
Go to the site of the replacement insurer: what is it and what to do? Drivers trying to issue an electronic OSAGO (whether it be Rosgosstrakh or any other company), after filling in and checking all the fields, often receive the following error and the sentence “Go to the site of the replacement insurer”: Due to the threat of violation risks ... The wording may be different , but the essence is the same - you are informed about the presence of a certain “threat of the onset of risks for the uninterrupted operation of the site” and are offered to go to the site of a “substitute insurer”.
What is a replacement insurer and why does Rosgosstrakh redirect to it? In turn, they divided the cars, according to the state number of which you can distinguish which organization they belong to.
Rosgosstrakh - review
The time has come for my husband to make an OSAGO policy, and the headache. I read the reviews, realized that it would not work out easily and quickly, I decided that I would be persistent.
“Electronic MTPL for most consumers is a new service, car owners are just getting used to the ability to communicate with the insurer via the Internet.
That is why some of the complaints received by the Bank of Russia relate to issues of communication with the insurance company, difficulties in filling out an application for insurance in electronic form, ”an employee of the press service of the Central Bank told RBC.
Car owners who want to apply for an electronic OSAGO often encounter an obstacle: when trying to apply for insurance, a system error is generated, in the frame that opens, for security reasons, it is proposed to go to the site of another company. According to paragraph 7.2. article 15 of the Law "On OSAGO", if for technical reasons it is impossible to purchase a policy on the website of one insurance company, then the client is directed to another service provider.
That is why, when insuring OSAGO, they are transferred to the site of another company. How can you insure your car in this case?
What is a “substitute insurer” and why is it redirected to its website
All insurance companies that have a licensed right to issue OSAGO and are part of the PCA divided the entire Russian automobile fund among themselves. Now each car, depending on the last digits of the number in the passport, is assigned to one of the companies that is obliged to resolve the issue of its insurance. Thus, it becomes clear what a providing insurer is. This is the organization to which a particular car is assigned.
The territory where the vehicle is registered is not taken into account. The main office of the insurance company may be located in a completely different region. By law, companies must have branches and their agents in all regions of the country. If there is no representation in a number of regional centers, then the firm must enter into an agreement with another insurer who could work with clients on its behalf.
The principles of distribution of cars among different insurance companies are as follows:
- the size of the authorized capital;
- position in the insurance market.
Since the leading positions are occupied by the companies Rosgosstrakh and Ingosstrakh, they got a greater number of vehicles, the rest were divided among other, smaller firms.
Many people ask why the Ingosstrakh site redirects to another site when applying for an e-OSAGO. During registration at personal account the pin code arrives very late and turns out to be expired, when entered, the system does not accept it, you have to request it again. And you can do this ad infinitum. The program was specially created to prevent the conclusion of illegal contracts and the issuance of "low-quality" OSAGO policies to car owners.
It is clear that insurance companies do not agree to insure cars from certain regions, as well as regions called "toxic": part of the Urals and the North-West region, Kamchatka, South of Russia. Sometimes owners or their cars do not fit certain criteria. The Union of Motor Insurers, guided by the law of justice, obliged each insurance company to take on service not only good, honest, but also not very reliable clients. As they say, all equally.
The status of "bad" or "unreliable" can be assigned to a driver and car owner who has:
- poor insurance history, often getting into accidents;
- insufficient experience in driving a machine;
- the desire to buy insurance without additional options or surcharges.
When the site system of the selected company prompts the car owner to go to the page of the replacement insurer, it means that his car is on the balance sheet of another company or the owner himself is not a desirable client. For obvious reasons, employees of the company cannot directly tell the driver about this, therefore they do it under the cover of decency. Among the reasons are often called a failure in the operation of the service, technical work, payment is made only by exotic methods, and others.
If, after switching to an electronic resource of the providing insurance company, to which the car is assigned, there will be a new refusal to issue an electronic policy, you can safely send a complaint to the Central Bank of the Russian Federation. Substitute organizations are responsible for the unwillingness to perform the functions assigned to them. Such violators face severe fines.
The car owner will need to file an application for the failed company, attaching several screenshots showing the failure of attempts to issue a policy on the IC website, and transfer it to the employees of the bank branch. You can do it even easier: go to the website of the Bank of Russia in the "Insurance Organizations" section (OSAGO tab) and file an online complaint.
On the RSA website
According to the rules adopted by the RAMI, each car owner who has submitted an application on the website of an insurance company (member of the RAMI) should be given the opportunity to conclude an electronic OSAGO insurance contract. For this purpose, a special system has been created that guarantees the purchase of a policy online.
Redirection to the page where the applicant is guaranteed to be able to complete the registration of e-OSAGO by using the PCA website is made within 30 seconds. The providing insurer is determined by the vehicle passport number, the car owner will be able to sign an agreement with him.
A relatively new development of PCA is the E-Garant system, which allows you to solve the problem when a replacement insurer refuses to issue a policy. In this case, the policyholder is redirected to the PCA website in a special closed section. Judging by the mixed feedback from users, the system has not yet been fully debugged. The system again directs some clients to the site of the Deputy IC, only in transit through the PCA site. Integration between all participants in the insurance market is also not fully debugged. Perhaps in the future, policyholders will be able to freely issue policies online, at least on the resources of substituting organizations.
How to get insurance if you are redirected to another site
It is not always possible for the insured to purchase an electronic OSAGO policy from the desired insurer. Sometimes it is redirected to the site of another company, a little-known, smaller one that has received a lot of negative feedback from customers in the region where it operates. Unfortunately, this problem cannot be solved. In the event of an accident with such a policy, one can only hope for the help of the Union of Motor Insurers or the court.
You can try to conclude an agreement with the selected company, if you use some methods:
- remove from the list of drivers with a bad reputation (according to the KBM) who have permission to drive the vehicle;
- choose to purchase a multi-drive policy, which involves an unlimited number of drivers.
Having received an offer to use the services of a substitute company, you should not be upset and panic. Or maybe, on the contrary, this particular insurer will be loyal, honest and reliable? Each insurance company must have its own OSAGO representative in each subject of the Federation. Most often, the replacement function is performed by large insurers, such as Rosgosstrakh, AlfaStrakhovanie, Ingosstrakh, so there is nothing to fear.
If the driver belongs to the category of experienced and careful on the road, has a high BMR, then it is likely that any insurance company will be able to include him among their clients.
If an error message appears on the site of the desired insurer and redirects to the site of another insurance company, it would be better to use this advice and purchase an electronic insurance policy from a substitute organization. The probability of failure in such a situation is significantly reduced. The presence of technical problems here will no longer be considered good reason failure to issue insurance. Many insurers allow you to upload scans and screenshots of documents if the information does not match the data in the AIS RSA database. An employee of the insurance company personally checks the received documents manually and makes the necessary changes to the database.
You can find out exactly which of the insurers is a representative in a particular regional center by calling the hotline of the replacement company or on the PCA website.
Today, it is impossible to do without redirection to the services of other SCs. This is done as part of the program of the Russian Union of Motor Insurers, aimed at increasing the availability of electronic OSAGO. In this way, some firms receive protection from a large influx of customers and significant costs for compensation in case of accidents, while other ICs acquire additional clientele. It is not known which of the car owners will be more lucky: the one who bought the policy from a popular company or the one who purchased OSAGO in another UK. In the latter case, there is a higher probability of expedited execution of the contract and receipt of payment upon the occurrence of an insured event.