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How is insurance calculated? Calculation of compulsory motor insurance for all companies. Features of determining the cost of comprehensive insurance and compulsory insurance policies

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Motorists in our country often think about where these mythical insurance policy prices come from. The cost of concluding a contract and all subsequent payments are determined taking into account various factors. After reading this article, you will learn how to calculate car insurance yourself, so as not to be surprised when applying for a policy. At the same time, this will allow you to determine in advance the amount of payment in case of damage to the car. Use the information you receive to prepare to discuss your contract with an insurance company representative.

Features of determining the cost of CASCO and OSAGO policies

The cost of an MTPL policy is calculated taking into account the base tariff, which is the same in all insurance organizations in Russia, and coefficients characterizing the condition of the car. Motor hull insurance is a voluntary matter, therefore the terms of cooperation between the parties (the car owner and the insurer) are negotiated individually.

Formula for calculating the cost of compulsory motor liability insurance

The methodology for calculating the cost of a compulsory motor insurance policy is based on a formula common to all Russian citizens. It looks like this: Cost of the MTPL policy = BT*CT*KBM*KVS*OK*KMD*KS*KN*KSSS. At first glance it looks scary, so it’s worth immediately considering in detail all the coefficients for calculating compulsory motor liability insurance. So:

  1. BT – basic tariff. The standard fare is determined taking into account the type of vehicle. This value is set by the state, and no insurance company is allowed to change it. Each type of transport has its own standard fixed tariff. And it doesn’t matter what kind of transport it is: a tractor or a motorcycle, a tram, a bus or a trolleybus, a truck or a car. The calculation of the MTPL policy for passenger vehicles of category “B” is carried out taking into account the ownership of the vehicle (the owner can be an individual or legal entity).
  2. CT – territorial coefficient. To correctly calculate MTPL insurance, you need to take into account the tariff of the region in which the vehicle is registered. It varies from 1.5 to 2. In Moscow, Perm, Chelyabinsk, Kazan and Yakutsk, the CT is 2.0. Car owners in St. Petersburg use the territorial coefficient of 1.8 when calculating the cost of their compulsory motor liability insurance policy. For the Leningrad region it is slightly lower – 1.6. The smaller the settlement, the lower the territorial coefficient.
  3. KBM – bonus-malus. This value represents a discount from the insurance company for driving without accidents. When drawing up a new OSAGO contract, the owner of a vehicle (not a car) is assigned a bonus-malus coefficient, taking into account the presence/absence of insurance payments under the previous policy. For each year of accident-free driving, the driver is given a 5% discount. If he becomes the culprit of an accident, the insurance company will apply an increasing coefficient, and the cost of the new policy will increase by 50%.
  4. PIC – age/experience. The higher the age and experience of the driver, the lower the FIC when calculating the cost of the policy. For example, drivers under 22 years of age and with less than three years of driving experience are at high risk of getting into an accident. For them, car insurance is calculated using an age/experience coefficient of 1.8. Every year (after reaching the age of 22 years and the expiration of 3 years from the date of obtaining a license), this coefficient decreases.
  5. OK – limiting factor. This value depends on who drives the car. If only your loved ones (son, daughter, wife, son-in-law, etc.) drive, the cost of insurance will not change. OK will be equal to one. When an insurance contract is drawn up for a car that will be used by a wide range of people (corporate freight transport, taxis, etc.), the limiting coefficient increases to 1.8.
  6. KMP – engine power. The more powerful the engine, the higher the CMP. You can find out the exact value of this value by looking at the vehicle’s passport.
  7. KS – seasonality coefficient. Some drivers use personal transport exclusively in the summer, and they do not want to overpay for compulsory motor insurance. For this purpose, it is possible to issue a policy for a period of 3 months.
  8. KN – coefficient of violations. The legislation of the Russian Federation provides for a number of circumstances in which the value of CN increases to 1.5. These include gross violations of traffic rules: fleeing the scene of an accident, deliberately reporting false information to representatives of the insurance company, driving under the influence of alcohol/drugs, intentionally facilitating a traffic accident.
  9. KSS – insurance period. The value of this value varies from 0.2 to 1.0. KSS is used in rare cases. For example, for foreigners or when moving a vehicle in transit.

Regardless of which insurance organization you choose: Rosgosstrakh, Ingosstrakh, RSA or Reso, the formula for calculating compulsory motor liability insurance will remain unchanged. To find out the price, use any convenient online calculator. For example, the calculation of OSAGO Rosgosstrakh clearly demonstrates the calculation of all amounts, including the total cost of the policy and the premium.

Basic insurance rates in 2019

Standard car insurance rates for Russian motorists are updated annually. If you are interested in how to correctly calculate car insurance, keep an eye on changes in this area. At the moment, car insurance is calculated according to the tariffs in force since April 2015. Right now you can familiarize yourself with them by studying the table below.

Vehicle type

Minimum TB rate, rub

Maximum TB rate, rub

Scooters and motorcycles

Cars

owned by individuals

owned by legal entities

used for taxi services

Trucks

maximum tonnage up to 16 tons (inclusive)

maximum tonnage more than 16 tons

Buses

designed for a number of passengers up to 16 (inclusive)

designed for more than 16 passengers

Trolleybuses

Road construction self-propelled machines, tractors, etc.

Calculation of penalties under compulsory motor liability insurance

Having learned how to correctly calculate car insurance, you should also familiarize yourself with the calculation methods and the procedure for collecting penalties. This concept implies the amount of money that the insurance company pays to its client in the event of complete/partial failure to comply with the terms of the contract. Such sanctions are imposed if there are delays in compensation when considering applications in cases provided for in the contract. If the parties cannot reach an agreement on their own, the conflict is resolved in court.

The amount of the penalty is calculated taking into account the following rules:

  • for each day of delay, 1% of the total amount of compensation for damage is charged (this rule applies to each of the victims);
  • the penalty for violation of repair deadlines is calculated taking into account the total cost of payment for restoration work;
  • the actual day of payment of the penalty must be taken into account when calculating the total amount of the fine;
  • in case of recovery due to insufficient compensation, the penalty is calculated based on the amount of underpayment;
  • the maximum amount of the penalty is limited to the maximum amount of insurance amounts by type of damage caused - 500,000 rubles. for compensation for damage to health and 400,000 rubles. for compensation for damage caused to the client’s property.

Video example of calculating the cost of car insurance

By watching the video below, you will learn how the cost of CASCO and OSAGO is calculated. It explains in detail all stages of calculations and discusses common nuances that not every average motorist is aware of. Use this valuable information to objectively evaluate insurance company offers and choose the most attractive one.

Found an error in the text? Select it, press Ctrl + Enter and we will fix everything!

An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.

Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:

  1. for damage to life and health - four hundred thousand rubles;
  2. for property damage - five hundred thousand rubles.

In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.

Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:

  1. if the driver does not have car insurance with him - five hundred rubles;
  2. driving during a period not provided for by the contract - five hundred rubles;
  3. driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
  4. lack of a valid insurance policy for the vehicle – eight hundred rubles.

The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:

  1. territory of use of the car or region of registration of the owner of the vehicle;
  2. presence/absence of accidents in history;
  3. presence/absence of restrictions;
  4. the number of complete years and experience of car drivers;
  5. number of horsepower;
  6. using a vehicle with a trailer;
  7. period of operation of the vehicle;
  8. contract time.

What documents are needed for registration?

To purchase this type of compensation you may need:

  1. identification document of the policyholder;
  2. PTS or STS;
  3. registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
  4. a valid diagnostic card (if technical inspection is required by law).

Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:

  1. Simplicity in design. To apply for a policy, you do not need to visit the insurance office - just fill out the form provided. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
  2. Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
  3. Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RSA database.
  4. The policy is always at hand. In case of loss or damage, you will only need to re-print it.

Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.

How to insure a car cheaply?

Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.

Advantages of registration through our website

  1. Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
  2. To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
  3. On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
  4. We guarantee the authenticity of insurance purchased through our service.

How to apply for a policy on our website?

  1. make, model, year of manufacture and modification of the vehicle;
  2. period and start date of insurance;
  3. region of registration and actual residence of the owner;
  4. information about the owners.

When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.

We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.

How to buy an electronic MTPL policy?

Why Alfastrakhovanie?

Refund limits

Differences between an electronic policy and a paper one

FAQ

The OSAGO cost calculator allows you to find out the costs of car insurance, taking into account individual conditions. To do this, you just need to use the form provided on the page. Online compulsory motor liability insurance calculations are carried out in three stages:

  • Step 1. Enter vehicle details. Enter into the OSAGO calculator the make, model, and year of manufacture of the vehicle, state registration plate, vehicle identifier (VIN, body number or chassis number) and other parameters. If you have a “Personal Account” on the AlfaStrakhovanie website or if you had or still have MTPL or CASCO insurance, log in and we will partially fill in the data for your new policy. You can also log in through the government services portal.
  • Step 2. Select insurance conditions. At the second stage, enter into the MTPL online calculator the start date of the insurance period for the new MTPL contract, the residential address of the vehicle owner, the number of drivers allowed to drive the car, and their personal data. If you are renewing an existing MTPL agreement, then to correctly indicate the start date of the insurance period, look at the insurance period in your current policy. Please note that for a new MTPL agreement it must begin no later than 60 days from the current date.
  • Step 3. Click the “Calculate OSAGO” button. After this, you will find out how much compulsory motor liability insurance costs and you can proceed to further registration of the policy.

Residents of Moscow, St. Petersburg and any other city in Russia can buy compulsory motor insurance via the Internet. Registration and payment of the policy are carried out online and take a minimum of time. After the purchase, you will receive an electronic E-OSAGO policy without wasting time on a visit to the insurer’s office.


Purchasing a policy is carried out as follows:

  1. To calculate your insurance, use the OSAGO online calculator. To do this, enter the necessary information in strict accordance with the documents of the vehicle, its owner and all persons authorized to drive. This is necessary to pass an online data check using the RSA database, correctly determine the cost of the MTPL policy and its subsequent registration.
  2. Wait until the online data verification against the RSA database is completed.
  3. If the price of MTPL insurance suits you, pay for it in any convenient way available on the website. After successful payment, the electronic E-OSAGO policy in *pdf format will be sent to your e-mail.
  4. Print the E-OSAGO policy on an A4 sheet of paper and take it with you to provide it upon request when carrying out registration actions with a car, when checking by traffic police officers on the road or in the event of an accident. Additionally, you can also save the file with the E-OSAGO electronic policy in your smartphone.
  • Convenient calculation of MTPL on a calculator.
  • Quick and simple issuance of an electronic policy with secure online payment.
  • Constant access to the policy via email and in your “Personal Account”.
  • High quality of service and reliability of service.

Compulsory motor third party liability insurance provides compensation for damage caused to other participants in an accident. The insurer pays compensation to each victim, regardless of the number of insured events.

Maximum amount of compensation for damage to health and life

The maximum possible payment amount reaches 500,000 rubles:

  • for participants in road accidents who have the right to receive compensation in the event of the loss of a breadwinner - 475,000 rubles;
  • for persons who paid for the funeral – 25,000 rubles.

Maximum amount of compensation for damage to property

The amount of compensation for damage caused to a vehicle or other property can reach 400,000 rubles. Payments within this amount are made to each participant in an accident, regardless of their total number.

Maximum amount of compensation under the Europrotocol

In case of registration of documents about an accident without the participation of police officers, the maximum amount of payment for applying for compensation in case of damage to the victim’s car under compulsory motor liability insurance is 50,000 rubles.

The MTPL policy, issued on a special form at the insurer's office, and the electronic E-MTPL policy have equivalent force. The cost of MTPL insurance is also the same in both cases. The main visual differences are:

  • lack of security elements on the electronic form;
  • writing a series of policies: in paper version – EEE, in electronic version – XXX;
  • absence of the policyholder’s signature (it is replaced by authorization in the “Personal Account” on the insurer’s website).

Also, the electronic policy has a number of advantages over the standard paper version:

  • E-OSAGO can be issued without leaving home and at any convenient time. There is no need to go to the insurer's office;
  • The electronic version of E-OSAGO is constantly available in the “Personal Account” on the insurer’s website. You can also save it on your computer, smartphone or email;
  • You don’t have to be afraid of ruining the policy form – E-OSAGO can be re-printed at any time.

What determines the cost of the policy?

How to pay for an electronic MTPL policy?

How can I confirm the presence of an MTPL policy to a traffic police inspector?

What to do if problems arise with the registration of electronic compulsory motor liability insurance (the PCA check was not passed, the policy did not arrive in the mail, etc.)?

What happens if you make a mistake when filling out driver information?

When calculating the cost of an MTPL policy, information about the owner of the vehicle, drivers allowed to drive and the vehicle are taken into account. The premium is calculated in accordance with the insurance tariffs for compulsory motor liability insurance approved by the Bank of Russia using the basic rates of insurance tariffs for compulsory motor liability insurance approved by the insurer. The price of OSAGO depends on such parameters as:

  • engine power and other vehicle characteristics;
  • driver's experience and age;
  • number of persons allowed to operate the machine;
  • region and city of residence of the car owner;
  • bonus-malus coefficient.

Having found out the exact cost of compulsory motor liability insurance, you can pay for it using:

  • bank card (VISA, MasterCard);
  • Internet bank "AlfaClick".

Important! You should not transfer funds directly to the AlfaStrakhovanie account. In case of payment in this way, the payment will not be counted and the conclusion of the contract will not take place.


Traffic police officers have the opportunity to check the policy through the Internet network of the IMTS of the Ministry of Internal Affairs of Russia or using the RSA database. If there is information on these resources confirming the purchase of insurance, in accordance with Part 2 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation, a person driving a vehicle cannot be held administratively liable. To avoid misunderstandings, we recommend that you always have a complete package of documents with you, including a printed E-MTPL policy.


The application of a discount for accident-free driving when concluding an MTPL contract (KBM coefficient) directly depends on the correctness of the driver information entered/provided by the Insured. Any mistake in the last name, first name, patronymic / date of birth / driver’s license number may lead to incorrect application of the discount for accident-free driving, and, consequently, to an overestimation of the insurance premium under the MTPL agreement. We ask Policyholders to be especially careful when entering/providing information about drivers when concluding an MTPL agreement.

Several changes have been made. Some of them affected only drivers who buy a new policy, others apply to all car owners.

Main changes to MTPL in 2017

1. Repair priority. On April 28, amendments to the Federal Law on Compulsory Motor Liability Insurance came into force, which limit the receipt of insurance compensation in the form of monetary compensation in the event of damage to a passenger car owned by a citizen. Now this can only be done in a few cases.

  • In case of complete loss of the vehicle (i.e. in the case when the repair of the vehicle exceeds its value at the time of the accident).
  • The cost of repairing a damaged car exceeds the maximum amount of the insured amount (for an accident registered without police officers, it is 50 thousand rubles, for an accident registered with the participation of the police - 400 thousand rubles) and the victim does not agree to make an additional payment for the repair of the service station .
  • A written agreement was reached between the insurer and the victim on the implementation of insurance compensation in the form of an insurance payment.
  • The insurer does not have the opportunity to send the damaged vehicle to a service station that meets the requirements of the Central Bank of the Russian Federation.
  • The victim died in an accident.
  • The victim is a disabled person of the 1st or 2nd group and has a special car and in the application for insurance compensation chose the form of insurance compensation in the form of receiving monetary compensation.
  • As a result of an accident, the victim suffered serious or moderate harm to health, and in the application for insurance compensation, the victim chose the form of insurance compensation in the form of receiving monetary compensation.

In all other cases, a damaged passenger vehicle owned by a citizen will be repaired at a service station with which the insurer has an agreement. In this case, only new parts may be used.

The introduction of priority vehicle repair in car insurance is designed to combat fraudulent schemes for taking money from insurers. These rules will apply to all drivers who purchased MTPL policies after April 28.

2. Penalty for exceeding repair deadlines. The new version of the law sets the maximum duration for restoring a car - no more than 30 working days. If this period is exceeded, the insurer must pay a penalty in the amount of 0.5% of the amount of damage for each day of delay, but not more than the amount of damage.

3. Mandatory compliance of service stations with the requirements of the Central Bank of the Russian Federation. One of them is the location of the service station no further than within a radius of 50 km from the location of the victim. If this criterion is violated, the driver has the right to refuse repairs and receive monetary compensation.

4. Increase in payments under the European protocol. The maximum amount of damage when registering an accident without the participation of police is 50 thousand rubles. Moreover, in Moscow, St. Petersburg, Moscow and Leningrad regions it can reach 400 thousand rubles. The rules for registering road accidents according to the European protocol are the same for the entire territory of the country.

5. Electronic policies. In 2017, drivers received the right not only to calculate the MTPL policy online, but also to buy it without leaving home. This scheme is convenient and, as a rule, does not take much time. An electronic policy has the same validity as a paper one, and you do not need to travel anywhere to receive it.

What factors determine the cost of the policy?

To calculate compulsory motor liability insurance in 2017, the same insurance rates are used as in 2016. The cost is based on the base rate, which is multiplied by several different coefficients. The price of MTPL depends on several factors:

  • car engine power. For cars up to 50 l. With. a reduction factor is provided, and for vehicles with engines from 70 hp. With. – several increasing ones;
  • driver's age and experience. OSAGO costs more for persons under 22 years of age and those who first received their license less than 3 years ago. If several drivers are included in the insurance, the youngest and most inexperienced is taken into account;
  • region. In megacities, the risk of getting into an accident is higher than in rural areas or small towns. Therefore, for example, for Moscow there is an increasing coefficient of 2, for St. Petersburg - 1.8;
  • number of drivers included in insurance. If the policy provides for the admission of an unlimited number of people to drive a car, the cost of insurance is multiplied by 1.8;
  • bonus-malus coefficient» . It allows you to reduce the cost of the policy and is determined upon request in the AIS RSA. For every accident-free year, the driver receives a 5% discount (maximum 50% for ten years);
  • Possibility of using trailers. Applies when using a vehicle with a trailer, with the exception of trailers for passenger cars owned by citizens.
  • period of use of the car. If the machine is used only 9 months a year or less, a reduction factor is provided.

How to find out the price of the policy


To find out the price of the policy, fill out the form below:

  • Provide the required information about the vehicle (make, model, year of manufacture, etc.). Some fields will be filled in automatically if you log into the site through your “Personal Account” or the government services portal.
  • Select the appropriate insurance conditions. At this stage, you will need to indicate your address, the start date of the contract, the power of the car and the details of the drivers who will drive the car. If you need to renew your policy, pay attention to the insurance period indicated in it and the period of use of the vehicle.
  • At this stage, you will need to enter into the form the registration data of the car (state number and identifier), as well as personal information of the owner of the car (full name, date of birth, etc.).
  • To calculate MTPL insurance 2017 online, click on the appropriate button. After this, you will be able to see the final price and buy a policy.

How to apply for compulsory motor liability insurance

Timely registration of compulsory motor liability insurance ensures the protection of your budget and the ability to travel safely by car.
Recent changes in tariffs have led to a slight increase in the cost of car ownership. And yet, the cost of the policy is not commensurate with the losses that you may incur if you are at fault for an accident. Just imagine the sums that may be required to repair someone else’s car and treat the victims. And don't forget that at the same time you will need to restore your car. What if you or your loved ones were injured in an accident? How many people can afford such expenses? By purchasing an MTPL policy, you contribute to your own financial security. The insurance company assumes full responsibility for your possible inattention on the road.

MTPL tariffs are the same for all insurers, despite the established base rate corridor. But this corridor gives them the opportunity to compete with each other. This may result in some differences in offers from different companies. In the meantime, all participants in this system adhere to the upper tariff value. In this regard, by calculating compulsory motor liability insurance for all companies in an electronic calculator, you will get the same results.

We invite you to purchase insurance on our website. Here you can fill out an application yourself and receive an electronic policy without leaving your home or workplace. We cooperate only with honest and decent insurance organizations with an impeccable reputation. We will help you choose the optimal insurer, taking into account your region.
By taking out a policy with our company, you are protected from the imposition of additional insurance. In the offices of insurance companies, in addition to the auto insurance policy, you may be offered life insurance services. There is nothing wrong with this, but only if it does not look like an “indispensable” condition for purchasing an MTPL policy.

  • a few minutes of your time;
  • standard set of documents.

When filling out the form, you will need information about the car, data from your passport and driver’s license, etc. Therefore, before you begin, prepare the following documents:

  • passport of the car owner;
  • driver's license;
  • documents for the car - vehicle passport or registration certificate card;
  • diagnostic card confirming the completion of technical inspection with a remaining validity period of six months.

If the owner of the car is another person or you plan to add additional drivers, you will need documents from these persons as well.
We offer website calculations for all insurance companies

The advantage of our offer is not only the convenience of obtaining a policy. The most important bonus for our clients is the transparency of payments. By filling out the fields of the calculator yourself, you can clearly see what the cost of insurance consists of. This makes it much easier to understand what parameters affect the formation of the final price.

What determines the cost of compulsory motor insurance?

The price of the policy reflects the type of vehicle, year of manufacture and engine power; age and driving experience; number of persons admitted to management. The calculation results may be seriously affected by the violations and accidents you committed during the previous year. Also, the cost may vary depending on the region and period of use.

How to calculate compulsory motor liability insurance in different insurance companies?

For your convenience, we have placed a simple and intuitive electronic calculator on our website. It works around the clock and generates prices based on current tariffs. To calculate the site you will need to make a few mouse clicks. You just need to select the appropriate parameters from the drop-down lists and click on the “Calculate” button. The calculator will process your data and in a moment, you will see the ready answer. If you are satisfied with it, you can proceed to the next step and begin directly creating the application.

Registration of compulsory motor liability insurance via the Internet minimizes time costs. Working time is intended to enable you to perform your duties efficiently and, therefore, improve your financial situation. Free days are better spent relaxing and communicating with family. And on such not very interesting, but still mandatory matters as registration of compulsory motor liability insurance, it is worth saving your time. And our company is happy to help you with this.

What benefits do we provide to our clients?

  • access to independent calculations;
  • the ability to choose an insurance company;
  • order a policy at a convenient time;
  • minimal time costs;
  • no expenses for trips to insurance companies;
  • the opportunity to obtain explanatory information from our managers;
  • Possibility of making payments by card of any payment system.

If you have already made the calculations, continue filling out, not forgetting to indicate your contact phone number and email address. This will help us contact you, explain the details of the procedure in detail and send the policy to your e-mail. Once received, the document will need to be printed using a printer. You will present it at the request of traffic police officers and the insurance company.