. in Russia came into force the new format of the policy of compulsory insurance of civil liability of vehicle owners (CTP). According to the instructions of the Central Bank, March 8, drivers have the opportunity to enter data about the agreement on the reverse side of the insurance policy. While motorists should not conclude the contract of voluntary insurance in the form of a separate document. The policy of the new format must comply with several requirements. So, it have to contain the risks of loss (destruction) or destruction of the vehicle and may provide for a deductible not exceeding 20% of the sum insured. in addition, should match the duration of the contracts of compulsory and voluntary insurance. If the validity period of the insurance expires, ceases to act and waiver. At the same time from the voluntary insurance can be waived, not terminated the contract of obligatory " autocitizen ". "Dual" Policy is available in both paper and electronic form. <span style="color:darkgray