Car insurance through Belgosstrakh — a mandatory step for every vehicle owner in Belarus. But issuing policies in offices takes time, and queues and paperwork are annoying. Fortunately, the company offers convenient personal account for individuals, where you can manage your insurance online: from purchasing compulsory motor liability insurance to checking your accident history. In this article, we will look at how to register in the system, what functions are available to users, and how to solve common problems when logging in.

Personal account feature Belgosstrakh — integration with government databases. This means that here you can not only buy a policy, but also check the relevance of insurance in real time through the EAISTO system (Unified automated information system for compulsory insurance). This transparency protects against fraud and simplifies interaction with traffic police. Below are detailed instructions for beginners and experienced users.

How to register in your Belgosstrakh personal account

Registration in the system takes no more than 5 minutes, but requires the preparation of documents. You will need:

  • 📄 Passport of a citizen of the Republic of Belarus (series and number)
  • 📱 Mobile phone number (an SMS with a confirmation code will be sent to it)
  • 📧 Email address (optional, but recommended to restore access)
  • 🚗 Vehicle details (if you plan to immediately issue an MTPL policy)

Registration process:

  1. Go to official website of personal account and click "Registration".
  2. Select user type - individual.
  3. Fill out the form: full name, date of birth, passport series/number, contact phone number.
  4. Confirm your phone number via SMS code.
  5. Create a strong password (requirements: at least 8 characters, with capital letters and numbers).

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After registration, the system will prompt you to link electronic digital signature (EDS) - this is optional, but will simplify the issuance of policies in the future. If you already have an electronic signature from National Center for Electronic Services, it can be connected in the “Profile Settings” section.

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If the error “Passport data not found” occurs during registration, check the correctness of entry or contact your nearest office Belgosstrakh — perhaps your data has not yet been entered into the database.

Login to your personal account: step-by-step instructions

To login use:

  • 🔑 Login is your phone number (in the format +375XXXXX) or email
  • 🔒 The password you provided during registration

Entry algorithm:

  1. Open the page login to your personal account.
  2. Enter your login and password.
  3. When you log in for the first time from a new device, the system may request an SMS code (two-factor authentication).
  4. If everything is correct, you will be taken to the main page of your account.

Typical login problems and their solutions:

Problem Reason Solution
"Invalid login or password" Typo, letter case, old password Check your keyboard layout. Use the “Forgot your password?” function.
"Account blocked" 5 failed login attempts Wait 30 minutes or contact support by phone +375 17 219-99-99
"The service is temporarily unavailable" Technical work on the site Try logging in later or use the mobile app
What should I do if I don’t receive an SMS with a code?

1. Check if your browser is blocking pop-ups (allow them for the site belgosstrah.by).

2. Make sure that the phone number is entered in international format (+375).

3. Try to request the code again (the “Send again” button appears after 60 seconds).

4. If the problem persists, contact support via chat on the website or by calling the hotline.

Main functions of a personal account for individuals

Personal account Belgosstrakh offers individuals 7 key opportunities:

  1. Registration and renewal of OSAGO/CASCO policies — without visiting the office, with automatic cost calculation.
  2. Payment for insurance by bank card (Belkart, Visa, Mastercard) or through ERIP.
  3. Checking current policies — relevance, timing, associated cars.
  4. History of insurance claims — data on road accidents, payments and repairs.
  5. Manage notifications — setting up SMS and email notifications about policy expiration.
  6. Online consultant — chat with support without waiting in a telephone line.
  7. Personal information — editing contacts, linking several cars.

The most requested feature is buying compulsory motor third party liability insurance online. The system automatically pulls data from the traffic police database by car number, calculates the cost taking into account your KBM (bonus-malus coefficient) and offers to pay for the policy in 3 clicks. In this case, the electronic policy has the same legal force as a paper one.

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For owners of several cars, it is possible to link all cars to one account. This is convenient if you insure vehicles for your family or manage a fleet of vehicles. In the “My Cars” section, you can add up to 10 vehicles, as well as designate trusted persons (for example, a spouse or child) who can use the policy.

How to buy or renew an MTPL policy through your personal account

Buying MTPL online takes 10–15 minutes. Step by step instructions:

  1. Log in to your personal account and select the “MTPL” section.
  2. Click “Apply for a new policy” or “Renew the current one”.
  3. Enter car registration number — the system will automatically pull up data from the traffic police database (make, model, VIN).
  4. Check driver information (you can add an unlimited number of people or select the “Unlimited” option).
  5. Specify the insurance period (from 15 days to 1 year) and payment method.
  6. Pay for the policy by credit card or via ERIP (commission depends on the bank).
  7. Download the electronic policy in format PDF — it will be sent by email and will be available in your personal account.

The cost of compulsory motor liability insurance is calculated automatically taking into account:

  • 📅 Duration of insurance (minimum rate - 15 days)
  • 🚗 Engine power and vehicle type
  • 👥 Number of drivers (limited/unlimited list)
  • 📉 Yours KBM (bonus-malus coefficient, depends on the accident history)
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Electronic MTPL policy from your personal account Belgosstrakh has the same legal force as a paper one. You can present it to traffic police officers directly from your phone or print it out.

If you renew your policy, the system saves your previous insurance data, so the process takes even less time. The main thing is to meet the deadline: if the compulsory motor liability insurance is overdue, There is a grace period within 3 days after expiration, but then the fine for driving without insurance will be up to 2 basic units (for 2026 - 74 BYN).

Payment for insurance: methods and fees

In your personal account Belgosstrakh There are 4 payment methods available for policies:

Payment method Commission Enrollment period
Bank card (Visa/Mastercard/Belkart) 0–1.5% (depending on the bank) Instantly
Via ERIP (current account) 0% Up to 3 working days
Electronic money (WebPay, EasyPay) 1–2% During the day
Cash in the office or via terminal 0% Instantly (if paid in the office)

The fastest and most profitable option is to pay by bank card in your personal account. If you are using a card Belgazprombank or Belinvestbank, the commission is often 0%. When paying via ERIP money can take up to 3 days, so this method is not suitable if the policy is needed urgently.

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Before paying, check if your bank offers cashback for insurance services. For example, Alfa-Bank returns up to 5% for the purchase of MTPL, and Priorbank - up to 3%.

After successful payment, the “Paid” status will appear in your personal account, and a receipt and an electronic policy will be sent to your email. If the money has been debited but the status has not changed, refresh the page or check the “Payment History” section. In rare cases, manual payment processing may be required - then contact support via chat.

Checking accident history and insurance payments

One of the most useful sections of your personal account is “History of Insurance Claims”. Here you can:

  • 🔍 View all accidents in which you were a participant (even if you were not at fault).
  • 💰 Monitor the status of payments under CASCO or OSAGO.
  • 📄 Download inspection reports, protocols and other documents.
  • 📅 See the timing of repairs or money transfers.

How to check history:

  1. Go to the “My insurance cases” section.
  2. Select a period (data for the last year is shown by default).
  3. Click on the accident of interest - detailed information will open: date, location, culprit, amount of damage, payment status.

If you do not agree with the payment amount or repair period, you can initiate a recalculation or complaint in this section. To do this, click the “Dispute” button and upload additional documents (photos of damage, independent examination, etc.). Belgosstrakh is obliged to consider the appeal within 10 working days.

What to do if the accident is not shown in the history?

1. Make sure that at least 3 business days have passed since the accident (data is not updated instantly).

2. Check whether the car details in the profile are correct.

3. If the accident was registered according to the European protocol, upload scans of documents manually through the “Add an insured event” section.

4. Contact the office Belgosstrakh with a passport and a certificate of an accident for manual data entry.

Important: the accident history in your personal account is updated automatically only for cases registered through Belgosstrakh. If the accident was recorded with the participation of another insurance company, you will have to add the information yourself or request it through the traffic police.

Belgosstrakh mobile application: features and differences from the web version

For user convenience Belgosstrakh developed a mobile application available for Android and iOS. It duplicates the main functions of your personal account, but has several advantages:

  • 📱 Quick access via Touch ID or Face ID.
  • 🚨 Push notifications about policy expiration or new messages.
  • 📸 Ability to photograph documents directly in the application (for example, for registration of an accident).
  • 📍 Geolocation of the nearest offices and service station partners.

You can download the application:

Differences between the mobile application and the web version:

Function Web version Mobile application
Registration of compulsory motor liability insurance ✅ Full support ✅ Full support
Payment via ERIP ✅ Yes ❌ No (cards only)
Scan of documents ❌ No ✅ Yes (phone camera)
Offline mode ❌ No ✅ Partially (viewing policies)

The application is especially convenient for those who are often on the road. For example, if you are involved in an accident, you can immediately photograph the damage, fill out a Europrotocol and send the data to the insurance company - all without visiting the office. The main disadvantage: the mobile version does not yet have the ability to pay for policies via ERIP, but the developers promise to add this feature in future updates.

Common problems and errors: how to solve

Even in a convenient system, glitches sometimes occur. Let's look at typical errors and ways to eliminate them:

⚠️ Attention: If the message “Your account is blocked” appears when you log in, do not try to restore access yourself more than 3 times. After repeated unsuccessful attempts, the blocking may last up to 24 hours. It's better to call support right away +375 17 219-99-99.

Problem 1: “Unable to verify identity” during registration.

  • 🔹 Check whether the passport number is entered correctly (series and number separated by a space, for example: MP 1234567).
  • 🔹 Make sure that your data is in the Ministry of Internal Affairs database (if your passport is new, it may take 1-2 weeks to update the information).
  • 🔹 Try registering via Unified electronic services portal (if you have an account there).

Problem 2: The electronic policy does not arrive by email.

  • 🔹 Check the Spam folder in your mailbox.
  • 🔹 Make sure your email is correct in your profile (section “Personal Information”).
  • 🔹 Download the policy directly from your personal account: “My policies” → select the one you need → “Download PDF”.

Problem 3: Error when paying by credit card.

  • 🔹 Check if online transactions are blocked (call your bank).
  • 🔹 Try paying with another card or through ERIP.
  • 🔹 If the debit has passed, but the status has not changed, write to the support chat indicating the payment number.

If none of the methods help, contact your nearest office Belgosstrakh with a passport and car documents. Our staff will review your account and help you regain access.

Can I apply for compulsory motor liability insurance for someone else’s car through my personal account?

Yes, but to do this, the car owner must add you to the list of allowed drivers in his personal account or provide a power of attorney. Without this, the system will not allow you to issue a policy for someone else’s vehicle.

What to do if you forgot your personal account password?

On the login page, click “Forgot your password?”, enter your associated phone number or email, and you will receive a reset link. If you do not receive an email, check your Spam folder or contact support.

Is it possible to print an electronic OSAGO policy in black and white?

Yes, the color of the seal does not matter - the main thing is that all the details are clearly visible: policy number, car and insurance company details. However, the traffic police inspector may ask to show the original on the phone screen to verify authenticity.

How long is a temporary MTPL policy issued through your personal account valid?

The minimum period is 15 days, the maximum is 1 year. You can select any period in this range. The cost is calculated in proportion to the number of days.

Can I cancel my MTPL policy and get my money back?

Yes, but only if the policy was not used (there was no accident). To cancel, write a statement to the office Belgosstrakh or through your personal account (section “My policies” → “Cancel”). The money will be returned to the card within 10 business days minus the commission (usually 10-15%).