Insurance companies have started selling online Casco

While the Ministry of Finance is trying to legalize the sale of insurance policies through the Internet, some insurance companies have begun to serve customers online. True, from the comfort of home, you can only buy certain products: comprehensive insurance, and insurance for travel abroad.

As it became known to RBC daily, the company MAX completed testing a new technology platform, which offered an online store "SravniKupi." With it, the insurer began selling policies hull over the Internet. Buy such a policy can only new-car owners, others will have to pass inspection intramural car. So the insurance company to protect itself from fraud by customers who could purchase insurance after the accident.

Insurance for owners of new cars will be available after the introduction of an electronic database for the car owners. Recall that the PCA plans to work with the system on 1 January 2013 (see RBC daily from 11/12/12). If a start-up will be delayed again, the insurer is considering renewal policies executed through the Internet.

CEO Andrew Martyanov MAX says that in the organization of trade was the most difficult to find a technology solution that would fit into the framework of existing legislation. According to him, the company decided to use the services of "SravniKupi", which could implement the technology necessary for the sales.

"Client is to click, confirm to have read the rules of insurance and verify your information by providing access to personal e-mail. Under the current law, these actions are equal to a simple electronic signature ", - says the director of IT-Online supermarket" SravniKupi "Anton Nemov. In turn, insurance companies use the key, which is similar to unskilled intensive electronic signature and document protection against counterfeiting. To further protect the insurance companies are looking to use a reinforced qualified electronic signature, but for this they need coordination of government agencies.

Among Max says that in the future plan to expand the line of products online: now testing insurer selling policies for traveling abroad, and the insurance supermarket "SravniKupi" considers as a sales channel.

Other market participants are also trying to sell their products over the Internet, without waiting for the officials. For example, "Alfa Insurance" has opened online sale hull insurance policy in August, but the company's website is available only for the purchase of a specific product, "AlfaKASKO 50x50". According to director of marketing communications department of OJSC "Alfa Insurance" Dmitry Medvedev, online you can purchase only the programs that do not require pre-assessment expert. But for a large part of insurance products (in particular, CTP, property insurance) is currently a contract is impossible without full-time communication with your insurance agent.

As the general director of the insurance company "Concord" Elnur Suleymanov, at the moment "Consent" also is preparing to launch online sales, to the beginning of 2013 to offer customers a whole range of "electronic" insurance products.

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