From which insurance companies can you buy an e-policy for OSCPV?

Since the end of 2018, you can not only buy a policy online, but also use it exclusively in electronic form. An electronic document has the same force as a paper one, which greatly simplifies life for both drivers and insurance companies. Companies may not open additional offices. After all, all actions take place online, and it is much more convenient for customers to purchase the service.

Despite such a convenient change, drivers are in no hurry to buy an Autocivilka in electronic form. The Motor Transport Insurance Bureau of Ukraine has compiled statistics, according to which only 5% of vehicle owners chose an e-policy by 2019. Others continue to apply for paper insurance. Why is this happening? Perhaps drivers are still afraid that they will be fined for not having paper insurance. Or they do not know which companies to buy this document from and not fall for scammers. To dispel doubts, we answer popular questions:

• Which insurance companies can I buy an e-policy from?
• What are the advantages of an electronic OSCPV policy?
• What are the concerns about such insurance?

Which insurance companies can I buy an e-policy from?

All companies that have the right to sell policies, including electronic ones, receive a license from the MTIBU. In 2019, their number increased: more than three dozen companies sell electronic OSCPV on the Internet. But they usually turn to the most popular insurance companies that were the first to introduce the new system.

The largest number of e-policies is purchased from companies such as PZU Ukraine and VUSO, as well as Knyazha and Providna. They are followed by SG TAS, Oranta and UPSK. Electronic insurance is also purchased from the remaining companies, but in smaller quantities.

What are the advantages of an electronic OSCPV policy?

The electronic insurance system was introduced for a reason, it has a number of advantages for Ukrainian drivers:

• Purchase system. It is much more convenient than before. All documents submitted for the policy are filled out by you electronically. Simply select the usual parameters to calculate the cost of the OSCPV in the online calculator, and then fill in the necessary data. Payment is made by bank card, cashless payment. Specify your email address, and you will receive: insurance and a receipt for payment.
• It's cheaper to buy this policy. Why? Insurance companies are interested in selling everything online. You don't need to rent offices, hire more employees, print a bunch of documents. You don't need to send policies by mail, deliver them, or send couriers. This saves both money and employees' time. And therefore, the client pays less, because the service is much simpler.
• This policy will not get lost. A paper document can get wrinkled or torn, the paint on it can be erased. The policy can deteriorate from moisture, fall out and get lost, burn out — anything. At the same time, the driver will not have an electronic copy that can be reprinted. You will have to spend time renewing the paper insurance policy at the company you applied to. With an electronic policy, everything is much more reliable - you can store it on several devices: a tablet, smartphone, computer. Print new copies if necessary or use only the electronic original.
• You choose the company yourself. Sales agents try not to let the client go if he comes to their office. They promise, persuade and claim that this company has the most favorable offer. And at home, sitting at the computer, you can calmly choose insurance. Compare all popular companies and their prices, choose the most favorable conditions and, most importantly, study reviews from real customers.

What are the concerns about such insurance?

Many drivers find them suspicious and unreliable. Customers are afraid of getting a fake. But this document is also registered through the MTIBU database. It, like the paper one, can be checked for authenticity — in terms of security, they are no different.

Customers are often concerned because they have heard about fines for not having a paper original of the OSCPV. Such cases have occurred before, but since the order on the recognition of e-policies has been in effect for over a year — everyone should know about the absence of fines. If an unscrupulous police officer decides to issue a fine — refer to the order of the National Financial Services Commission, which was issued in early 2018. It clearly states — an e-policy has the same force as a paper one.

Dispelling fears is not so difficult as noticing the obvious advantages of an electronic document. To protect yourself and purchase an e-policy without difficulties — it is enough to choose a company in which this service is in demand.

Every day, more and more Ukrainians are acquiring electronic OSCPV policies, and soon they will completely replace their paper counterparts