INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of November 14, 2016 No. 4190-U

About requirements to use of electronic documents and procedure for exchange of information electronically when implementing obligatory civil liability insurance of owners of vehicles

This Instruction based on Item 11 of article 15 of the Federal Law of April 25, 2002 No. 40-FZ "About obligatory civil liability insurance of owners of vehicles" (The Russian Federation Code, 2002, No. 18, Art. 1720; 2003, No. 26, Art. 2566; 2005, No. 1, Art. 25; No. 30, Art. 3114; 2006, No. 48, Art. 4942; 2007, No. 1, Art. 29; No. 49, Art. 6067; 2008, No. 30, Art. 3616; No. 52, Art. 6236; 2009, No. 1, Art. 17; No. 9, Art. 1045; No. 52, Art. 6420, Art. 6438; 2010, No. 6, Art. 565; No. 17, Art. 1988; 2011, No. 1, Art. 4; No. 7, Art. 901; No. 27, Art. 3881; No. 29, Art. 4291; No. 49, Art. 7040; 2012, No. 25, Art. 3268; No. 31, Art. 4319, Art. 4320; 2013, No. 19, Art. 2331; No. 30, Art. 4084; 2014, No. 30, Art. 4224; No. 45, Art. 6154; 2015, No. 48, Art. 6715; 2016, No. 22, Art. 3094; No. 26, Art. 3883; No. 27, of the Art. 4293) (further - the Federal Law of April 25, 2002 No. 40-FZ) establishes requirements to use of electronic documents and procedure for exchange of information electronically between the insurer, the injured (beneficiary) and the insurer when implementing compulsory insurance, in particular recognition of information electronically, the signed simple digital signature, the electronic document, equivalent to the paper document signed by the sign manual.

1. Ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 08.10.2019 No. 5284-U

2. For the purpose of the conclusion of the agreement of compulsory insurance in the form of the electronic document (further - the agreement in the form of the electronic document) the physical person (vehicle owner), for its subsequent determination according to the simple digital signature shall provide to the insurer with use of the official site of the insurer on the Internet (further - the website of the insurer), the official site of professional association of insurers on the Internet (further - the website of professional association), information system, which according to the Federal Law of July 20, 2020 No. 211-FZ "About making of financial transactions with use of financial platform" (The Russian Federation Code, 2020, 30, the Art. 4737) provides to No. interaction of the financial organizations or issuers with consumers of financial services by means of the Internet for the purpose of provision of making of financial transactions and access to which is provided by the operator of such system (further - financial platform), or the official site on the Internet (mobile application) of insurance agent (insurance broker) performing the automated creation and sending information to information system of the insurer (further - the website (mobile application) of insurance agent (insurance broker), the following data:

surname, name and middle name (in the presence);

birth date;

document type, proving the identity, series and number of this document;

the subscriber number allocated with the operator of mobile radio-fraquency voice communication (further - subscriber number), and (or) the e-mail address.

Paragraph of the sixth ceased to be valid

The insurer shall provide to the vehicle owner sales opportunity of the actions provided by this Item.

3. The insurer directs on specified by the vehicle owner - physical person subscriber number and (or) the e-mail address the text message containing the sequence of symbols which is key of the simple digital signature and specifying to person using the simple digital signature to need to observe its confidentiality. The key specified in this paragraph, and also in item 4 of this Instruction idle time of the digital signature is applied also to determination of the vehicle owner - physical person in case of creation and the direction by it to the insurer of the statement for the conclusion of the agreement in the form of the electronic document (further - the statement) with use of financial platform.

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