Purchasing car insurance via the Internet has become a common procedure for most Belarusian drivers. Belgosstrakh - one of the largest insurers in Belarus, offering the purchase of policies OSAGO and CASCO online with minimal time investment. However, even in 2026, many car owners are faced with questions: how not to make mistakes when filling out data, what documents will be required, and how to save on the cost of the policy without the risk of being left without protection.

In this article we will analyze the entire process of purchasing insurance through the official website Belgosstrakh — from registering in your personal account to receiving an electronic policy by mail. We will pay special attention hidden fees that can increase the total amount by 15-20%, as well as legal ways to reduce tariffs. If this is your first time applying for insurance online or switching from another insurer, here you will find step-by-step instructions taking into account the latest changes in the legislation of the Republic of Belarus.

Why choose Belgosstrakh for online purchase of insurance

Belgosstrakh occupies a leading position in the car insurance market of Belarus not only due to government support, but also due to a number of advantages for clients:

  • 🔹 Instant clearance — an MTPL policy can be obtained in 5-7 minutes, a CASCO policy can be obtained in up to 15 minutes if all documents are available.
  • 🔹 Electronic policy has the same legal force as a paper one and is accepted by all traffic police officers.
  • 🔹 Flexible tariffs: the ability to choose a franchise, limit the number of drivers or add additional risks (for example, "Hijacking" or "Damage to glass").
  • 🔹 24/7 support via chat on the website, hotline or instant messengers (Viber, Telegram).
  • 🔹 Bonus program for regular customers: up to 10% discount when renewing the policy without insured events.

It is important to consider that Belgosstrakh works directly without intermediaries, which reduces the risk of markups. However, the rates here are not always the lowest on the market - for example, under compulsory motor insurance, some private companies offer discounts of up to 25% for experienced drivers. To understand whether it is profitable to take out insurance here, let’s compare the basic conditions with competitors:

Parameter Belgosstrakh Belneftestrakh Belkoopstrakh
Minimum cost of MTPL (passenger car, 1 driver) from 180 BYN from 175 BYN from 185 BYN
Maximum discount for accident-free driving up to 10% up to 15% up to 12%
Possibility of registration of CASCO insurance online Yes Yes Partial (call required)
Electronic policy for traffic police Yes (from 2022) Yes Yes
Additional options (tow truck, legal assistance) Yes (from 20 BYN/year) Yes (from 25 BYN/year) No

As can be seen from the table, Belgosstrakh It is not the cheapest option, but it offers balanced conditions and reliability. If price is critical for you, it makes sense to compare tariffs through aggregators (for example, "Compare.by"), but remember: Too low a price may hide limited coverage or high deductibles.

📊 What type of insurance do you usually take out?
Only OSAGO
CASCO + OSAGO
Voluntary insurance (VSAGO)
Not yet insured

What documents are needed to apply for insurance online?

One of the main advantages of purchasing insurance online is that you do not have to visit an office. However, without preparing documents, the process may be delayed. Here's a complete list of what you'll need:

  • 📄 Passport of a citizen of the Republic of Belarus (or residence permit for foreigners). The number and series of the document will need to be entered in the application form.
  • 🚗 Vehicle registration certificate (or PTS if the car is new). You will need information about the make, model, license plate number, VIN code and year of manufacture.
  • 👤 Driver's license (if you are taking out a policy with a limited list of drivers). You need the series, number and date of issue.
  • 📋 Previous MTPL policy (if you are renewing). This will help you maintain your discount for accident-free driving.
  • 💳 Bank card for payment (supported Belkart, Visa, Mastercard).

If you are registering CASCO, you may additionally need:

  • 🔧 Photo of the car (4 sides + interior) to assess the condition.
  • 📊 Mileage certificate (if the car is older than 3 years).
  • 🔐 Security system information (if there is an alarm or immobilizer).

Passport of a citizen of the Republic of Belarus|Vehicle registration certificate|Driver's license (if necessary)|Previous MTPL policy (for a discount)|Bank card for payment|Photo of the car (for CASCO)

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⚠️ Attention: If you enter incorrect data about the car (for example, you make a mistake in the VIN code or license plate number), the policy may be invalidated. Double check information - especially if you are copying it from other documents. In case of error Belgosstrakh may cancel the policy without refund.

Step-by-step instructions: how to buy OSAGO online in Belgosstrakh

The process of purchasing an MTPL policy through the website Belgosstrakh consists of 5 main stages. Follow the instructions to avoid Typical errors:

Step 1. Register in your personal account

If you don't have an account on the site yet Belgosstrakh, press Login → Registration and fill out the form. You will need:

  • Email (the policy will be sent to it).
  • Phone number (for SMS confirmation code).
  • Created password (minimum 8 characters).

After registration, confirm your email by clicking on the link in the email.

Step 2. Selecting the type of insurance

In your personal account, go to the section Car insurance → OSAGO. The system will prompt you to select:

  • 🚘 Vehicle type (car, motorcycle, trailer, etc.).
  • 📅 Insurance period (from 3 months to 1 year).
  • 👥 Circle of drivers (“Unlimited” or “Limited”).

Step 3. Filling in information about the car and driver

Here you need to enter:

  • VIN code, license plate number, make and model of the vehicle (can be scanned via Download from PTS).
  • Owner details (full name, address, passport details).
  • Information about drivers (if a limited circle is selected).
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If you have several cars, add them all to your personal account in advance - this will speed up the issuance of a policy in the future.

Step 4. Cost calculation and choice of options

The system will automatically calculate the basic cost of compulsory motor liability insurance, but you can adjust it:

  • 🔽 Specify discount for accident-free driving (if there is a previous policy).
  • 🔽 Add additional risks (for example, "DSAGO" to increase the payout limit).
  • 🔽 Select payment method (by card or via ERIP).

Step 5. Payment and receipt of the policy

After payment, the policy will be sent by email in the format PDF within 5 minutes. It can be:

  • 📱 Save to your phone (useful for traffic police checks).
  • 🖨 Print (optional, but some drivers prefer the paper version).
  • 🔄 Renew automatically (set up a reminder in your personal account).
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The electronic MTPL policy from Belgosstrakh has the same legal force as a paper one. You don’t need to print it out - just show it to the traffic police inspector from your phone screen.

CASCO in Belgosstrakh: what it covers and how much it costs

Unlike mandatory compulsory motor liability insurance, CASCO is a voluntary insurance that protects your car from theft, damage and other risks. B Belgosstrakh You can apply for CASCO insurance online, but with some nuances:

What is included in the basic CASCO program:

  • 🚗 Damage in an accident (including guilty cases).
  • 🔥 Fire or explosion (including due to the fault of third parties).
  • 🌪 Natural disasters (hail, flood, hurricane).
  • 🚧 Falling objects (trees, building structures).
  • 🔓 Theft or theft (if the car is not found within 30 days).

Additional options (for a fee):

  • 🔧 Roadside assistance (tow truck, tire replacement, fuel delivery).
  • 🏥 Medical assistance driver and passengers.
  • 🔍 Legal support when analyzing an accident.
  • 🔄 Replacing a car during repairs.

The cost of CASCO depends on:

  • 📉 Age and make of the car (for example, BMW X5 will be more expensive Renault Logan).
  • 📊 Driver's length of service (for beginners, the policy will cost 20-30% more).
  • 🏙 Region of use (in Minsk tariffs are higher than in the regions).
  • 💰 Franchises (the higher it is, the cheaper the policy).
Car make CASCO cost (basic, without franchise) Cost with franchise 500 BYN
Volkswagen Polo (2020) from 1200 BYN/year from 850 BYN/year
Skoda Octavia (2018) from 1500 BYN/year from 1050 BYN/year
Toyota RAV4 (2022) from 1800 BYN/year from 1300 BYN/year
BMW 3 Series (2019) from 2200 BYN/year from 1600 BYN/year

⚠️ Attention: When applying for CASCO insurance online Belgosstrakh may request additional documents (for example, photographs of the car or a mileage certificate). If you do not provide them within 3 days, the policy may be cancelled. Also note exceptions — for example, insurance will not cover damage if you:

  • Driving a car while intoxicated.
  • Participated in races or trials.
  • Used the car for commercial transportation (unless this is specified in the policy).

The cost of car insurance can be reduced without the risk of being left without protection. Here are proven methods that work in 2026:

1. Select a limited circle of drivers

If you specify specific drivers (for example, only yourself) in your compulsory motor liability insurance policy, the cost will decrease by 15-20%. But remember: if another person is driving, insurance will not cover the damage.

2. Increase your deductible

The deductible is the amount you are willing to pay yourself in case of an insured event. For example, if the deductible is 300 BYN and the damage is 1000 BYN, you will be returned 700 BYN. The higher the deductible, the cheaper the policy. B Belgosstrakh you can choose a franchise from 100 to 1000 BYN.

3. Take out a long-term policy

When purchasing compulsory motor insurance for 1 year, you pay less than if you take out a policy for 3 or 6 months. For example, six-month insurance may cost 70% of annual insurance, and not 50%, as it seems.

4. Use the discount for accident-free driving

If you have not had any insurance claims in the past year, you are entitled to a discount of up to 10%. To do this, when registering, indicate the number of the previous policy.

5. Eliminate unnecessary options

CASCO often includes additional services (for example, "Roadside assistance"), which increase the cost by 10-15%. If you already have a similar service through a bank card or through a car club, refuse duplication.

6. Check promotions and promotional codes

Belgosstrakh periodically holds promotions - for example, a 5% discount when paying via Belkart or when registering online. Promotional codes are sometimes published on official pages on social networks.

How to check the authenticity of an MTPL policy?

To make sure that your electronic policy is valid, go to the website Belgosstrakh policy checks and enter the document number. The system will show the policy status, date of issue and expiration date. If the policy is not in the database, contact support - there may have been an error during registration.

Common mistakes when buying insurance online and how to avoid them

Even experienced drivers sometimes make mistakes when applying for a policy online. Here are the most common ones and how to prevent them:

1. The VIN code or license plate number is indicated incorrectly

An error in one character could result in the policy being invalidated. Always double check your data with Vehicle registration certificates.

2. Forgot to indicate the previous policy for the discount

If you are renewing your compulsory motor insurance policy but have not entered the old policy number, you will lose the discount for accident-free driving. B Belgosstrakh it can be restored within 30 days after registration by contacting support.

3. We chose the wrong group of drivers

If you specified Limited circle, but then other people got behind the wheel, insurance will not cover the damage. In this case, you will have to issue a new policy.

4. Didn’t check the total amount before paying

Sometimes commissions for online payment are added to the base cost (up to 2-3%). B Belgosstrakh There is no commission when paying by card, but if you pay through ERIP, a fee may apply.

5. Did not save the electronic policy

After payment, the policy arrives by email, but some users forget to download it. If the letter is lost, you can restore the document in your personal account in the section My policies.

6. They ignored the terms of the franchise

Some drivers don't understand how the deductible works and are surprised when they are denied payment. For example, if the deductible is 500 BYN and the damage is 400 BYN, the insurance company will not compensate for anything.

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Before paying, take a screenshot of the screen with the total amount and policy details. This will help quickly resolve disputes if a system failure occurs.

What to do if an insured event occurs: procedure

If you are involved in an accident or your car is damaged, follow this algorithm to receive payment from Belgosstrakh:

1. Save the evidence

Take a photo:

  • 📸 Scene of the incident (vehicle positions, braking distances).
  • 📸 Damage to your and other cars.
  • 📸 Documents of the participants in the accident (licence, STS, OSAGO policy).

2. Call the traffic police or fill out a European protocol

If people were injured in an accident or there is a dispute about guilt, be sure to call the traffic police. If the damage is minor (up to 3000 BYN) and the culprit admits guilt, you can issue europrotocol via mobile application "Driver Assistant".

3. Notify your insurance company

Call Belgosstrakh by phone 146 (24/7) or fill out the form on the website in the section Insurance cases. Please indicate:

  • Policy number.
  • Date, time and place of the accident.
  • Participants' contacts.

4. Provide the car for inspection

Within 5 days after the accident, you must provide the car for inspection. Addresses of inspection points can be found on the website Belgosstrakh. If you fail to show up without a good reason, your payment may be denied.

5. Receive payment or referral for repairs

The application review period is up to 20 days. The payment may be:

  • 💰 Cash (to your account).
  • 🔧 Referral for repairs to a partner service.

⚠️ Attention: If the person at fault for the accident does not have a valid MTPL or fled the scene of the accident, you have the right to demand payment under your policy CASCO (if such a case is provided for in the contract). However, in this case a deductible may apply.

Is it possible to issue compulsory motor liability insurance for someone else’s car?

Yes, but for this you will need:

  • Power of attorney from the owner to drive the vehicle (if you are not registered in the STS).
  • Owner's details (passport, address).
  • Vehicle data (STS or PTS).

The OSAGO policy will indicate that the policyholder and the owner are different persons.

What should I do if I paid for the policy, but it did not arrive in the mail?

Check the folder first Spam in the mail. If there is no policy:

  1. Log in to your personal account on the website Belgosstrakh and check the section My policies.
  2. If the policy is not there either, contact support by phone 146 or via chat on the website.
  3. Attach a screenshot of payment (if saved).

Usually the problem is resolved within an hour.

Can I get my insurance money back if I change my mind?

Yes, but with conditions:

  • For OSAGO: You can get your money back if the policy was not used (there was no accident). Return fee is 20% of the cost.
  • For CASCO: returns are possible within 14 days without explanation (according to the law of the Republic of Belarus). Commission - up to 10%.

To initiate a return, write a statement in your personal account or contact the office Belgosstrakh.

What is DSAGO and do you need to register it?

DSAGO (Voluntary motor third party liability insurance) is an addition to compulsory motor liability insurance, which increases the payment limit. For example, if under OSAGO the maximum payment for property damage is 5,000 BYN, then with DSAGO this limit can be increased to 20,000 BYN.

It makes sense to register for DSAGO if:

  • You often drive around Minsk or other large cities, where the risk of accidents with expensive cars is high.
  • Your car costs more than 50,000 BYN (the MTPL limit may not cover the damage).

Cost of DSAGO in Belgosstrakh — from 50 BYN/year.

Is it possible to get CASCO insurance for a used car older than 10 years?

Yes, but with restrictions:

  • For cars over 10 years old Belgosstrakh may require a preliminary inspection.
  • The cost of the policy will be higher due to increased risks.
  • Some options (for example, "Hijacking") may not be available.

Also keep in mind that the payment in case of total loss (theft, fire) will be calculated based on market value car, and not from the amount specified in the policy.