How to make changes to OSAGO Sogaz insurance

How to sign up for MTPL insurance

At the beginning of 2021, an amendment to the Law came into force, according to which citizens who are not the owners of a car have the right to drive someone else’s vehicle only after entering the name of the second driver into the current OSAGO policy. We will tell you in detail how to add the data of a new person in accordance with the legislation of the Russian Federation.

Insurance is issued for one year. If the insured driver gets into an accident and, due to his fault, the vehicle of the second participant in the accident is damaged, the insurance company will fully compensate for the costs of restoring the damaged car. If at the time of the traffic accident there was a person driving who was not included in the policy, all financial responsibility will fall on him. To avoid unpleasant situations, carefully read the article on how to add a driver to your insurance online or when visiting the insurance company’s office. Registration of an electronic policy takes less time, but requires a more responsible attitude towards filling out the electronic form.

Advantages of registration of compulsory motor liability insurance at Ingosstrakh

Every day, thousands of motorists turn to their insurers for an MTPL policy. This demand is due to numerous advantages. For your convenience, we will consider each.

Advantages of registration of compulsory motor liability insurance in Ingosstrakh Insurance Company:

• Online . The main advantage is that you can buy a car permit via the Internet from any device that has Internet access.
• Discounts . Regular customers can be guaranteed an annual discount of 5%. Such a bonus is due if the insured driver was not the culprit of the accident. As for the maximum discount, it cannot exceed 50%. To receive the maximum bonus, the driver must drive for 13 years without a loss.

• Fast payment . The insurer values ​​each client and pays insurance compensation to the victim within 20 days after providing a full package of documents. In practice, funds arrive to clients within 3-5 days after application.
• Developed branch network . The company's offices are located both in the Russian Federation, in every major city, and beyond its borders.

• 24/7 consultation . Experienced consultants are ready to answer any question in real time. Consultation is provided: by calling customer support, via chat on the official website.
• Mobile app . You can get information, declare a loss or buy compulsory motor insurance through a free mobile application.

• Reliable company . Strict compliance with the decrees of the Central Bank of the Russian Federation and insurance legislation.
• Convenient extension . To prolong (extend) compulsory motor liability insurance, a small package of documents is requested, which the driver always has at hand. The procedure for issuing a new form in practice does not exceed 5 minutes.

Ingosstrakh issues compulsory motor liability insurance for all vehicles that have passed technical inspection. If the documents are in order and the car is in good condition, a standard or online policy is provided at the client’s request.

When do you need to make changes to your insurance policy?

According to the current legislation, the driver is no longer required to take a power of attorney from the owner of the car and have it certified by a notary. A document delegating the authority to perform certain actions with a vehicle is needed only to transfer property rights to another person: a friend, acquaintance, close or distant relative. Such registration activities include re-registration of the car to a new owner, its sale, export abroad, etc. To drive someone else's car, it is enough to include your name in the compulsory civil liability insurance policy for vehicle owners.

There can be many situations when a car owner transfers his car to another driver. For example, a father wants to give the right to drive his own car to his son or daughter, a husband to his wife, a friend to a friend, an employer to an employee.

The law does not establish a limit on the number of authorized persons. How many people to add to the insurance is decided solely by the car owner. The standard form provides for entering the data of only 5 insured persons, but if necessary, you can add the names of people on the back of the official document. The owner of the car has the right to enter any number of drivers into the form, but if there are many of them, it is better to purchase compulsory motor liability insurance “without restrictions.”

Additional payment for a new policyholder is made at any time, even if the policy has not yet expired. The amount is calculated using a formula based on the number of days remaining until the end of the already paid period. That is, the insurer calculates the amount payable exclusively for the actual period of use of the car under insurance.

Is it necessary to change OSAGO when replacing rights in 2018?

According to the insurance contract, all changes in its terms must be immediately reported to the insurance company. There they will make changes to the database, and you can safely count on both compensation in the event of an insured event and correct accounting of the KBM.

However, not all car owners fully understand whether it is necessary to change their compulsory motor liability insurance when replacing their license. We will try to figure this out with you.

Are there any requirements for replacement?

Insurers also do not require renewal of the contract, because the client paid for the service, and the question of whether changes need to be made to the MTPL policy when changing rights does not arise for them. After submitting an application for a change in the series and number in the contract, you do not need to do anything else, and you can drive with your old insurance.

What the law says

The OSAGO Rules indicate cases of early termination of a motor vehicle license. This is possible at the request of the policyholder or when the owner of the car changes. This document does not say a word about the fact that replacing the MTPL policy when replacing a driver’s license is mandatory.

The law does not directly indicate that the agreement can be terminated if the owner of the vehicle changes without the consent of the policyholder. In other words, you can sell a car with insurance, you just need to resolve the issue with the insurance company, which will make the appropriate changes to the contract in the special notes section.

How to act correctly with a new VU

Upon arrival at the insurance company, you must provide:

• passport;
• STS;
• application, sample, which will be presented by an employee of the insurance company;
• a valid contract;
• new driver's license.

If this is not done on time, you may find yourself without insurance at the most inopportune moment. Rest assured: insurers use any incident with documents as a reason to refuse to pay compensation.

In the case of CASCO, an additional agreement is concluded on the change of driver’s license.

In what cases is it necessary to renew the OSAGO contract?

A complete replacement of the policy will be required:

• in case of damage, theft or loss of the form;
• when changing passport data;
• when adding a new driver to your insurance.

If the OSAGO policy specifies the old rights, as we already understood, there are no problems. But you can be fined for an expired car license. But there is one catch in the MTPL law. In Art. 10 states that the contract is renewed automatically if the policyholder has not submitted an application to waive the insurance conditions 2 months before the expiration of the current contract.

It is often necessary to obtain a new policy ahead of schedule if the car is sold with a form forgotten in the glove compartment. In such cases, a duplicate is first issued, and then on its basis the issue of termination of the insurance is decided.

So, we figured out whether it is necessary to change the MTPL policy when changing a driver’s license. The situation becomes even more obvious if we consider the issue in relation to electronic insurance. In this case, all data is stored in the RSA database in electronic form. The form is not needed at all, and changes are made to the virtual policy.

Replacement of driver's license 2017

https://youtube.com/watch?v=mIc3wMuoQE4

What is a deductible in a compulsory motor liability insurance policy? What should you pay attention to?

They want to postpone the replacement of paper PTS with electronic ones

It happens that you have to change documents: license, passport, get license plates and perform other actions. At the same time, many people have a question: what to do with compulsory motor liability insurance, whether it is necessary to take out a new policy and how much it will cost.

○ Replacement of OSAGO

However, in order to avoid red tape and unreasonable refusals on the part of the insurance company, which entail the need to prove your case in court, it is recommended to notify the insurance company of all changes that have occurred in the documents.

Replacing policies or issuing a duplicate is free. The only exception is the inclusion of third parties in the list of drivers.

“Upon receipt from the insured of an application to change the information specified in the application for concluding a compulsory insurance contract and (or) presented when concluding a compulsory insurance contract, the insurer has the right to demand payment of an additional insurance premium in proportion to the increase in the degree of risk based on the insurance tariffs for compulsory insurance in force on the day of payment of the additional insurance premium, and when it is paid, he is obliged to make changes to the compulsory insurance policy (clause 1.10 of the Regulations on the rules of compulsory insurance of civil liability of vehicle owners).”

What are the consequences of lack of insurance for a driver who is not included in the policy?

Remember that driving someone else’s car without an MTPL policy is strictly prohibited. If a traffic police officer, when checking documents, discovers that the driver’s name is not included in the insurance, he will issue a fine in the amount of 500 rubles or more.

If an accident occurs due to the fault of a person driving someone else's car, the costs of restoring the movable property of the injured party are transferred to the person who was driving at the time of the accident. The insurance company is not obligated to compensate for damage to a damaged car.

Another significant point. If the driver independently added his name to the document, then if the traffic police officer checks who is included in the MTPL policy by insurance number, the violator will be issued a fairly large fine. But the biggest danger lies in the fact that if you get into a traffic accident, the insurance company will refuse to compensate for the damage, and “petty fraud” will lead to significant expenses.

Cost of insurance

The MTPL cost rate is fixed by the Central Bank, namely its boundaries. Insurance companies do not have the right to go beyond the threshold established by the Central Bank, but since the price of the policy consists of many coefficients that directly affect its cost, it can change up or down. The final price of insurance is influenced by the following data:

• type of vehicle;
• car power;
• make and model;
• year of issue;
• region of registration;
• age and length of service of the driver;
• number of persons allowed to drive.

The Central Bank also introduced a coefficient called bonus-malus. It directly affects the cost of insurance and allows you to get a significant discount. However, its meaning lies in the driver’s reputation, that is, you should have left without traffic accidents or fines. Therefore, for some drivers, an insurance policy next year in the absence of an accident may turn out to be much cheaper.

You can find out the price in Ingosstrakh using an online calculator. It is available to all clients and allows you to obtain information about the future cost of the MTPL policy. This opportunity helps you evaluate the profitability of the offer, and if you are satisfied with its price, then proceed to registration. In order to use the calculator, just go to the official website. Having issued an electronic policy once, your data is transferred to RSA, after which it will be enough to renew it with one click.

How much does it cost to add someone else to your MTPL policy?

When calculating the cost of insurance, the following are taken into account:

• Driver's age (under 22 and over 45);
• Driving experience (up to one year and more than 11 years);
• Accident-free driving coefficient (bonus-low).

When taking out the first compulsory civil liability insurance policy for vehicle owners, this indicator is equal to 1. The adjustment CSB depends on the number of years during which the driver has never been involved in an accident. For each accident-free year, an additional 5% is subtracted from the calculated value (unit). The maximum coefficient can be 0.5.

The standard cost of a policy is calculated based on its base price multiplied by the bonus-malus coefficient (BMR) and the bonus-experience indicator (BSR).

For example, if a new policyholder’s driving experience exceeds 3 years, and he has not been in an accident for 5 years, then if the cost of the current OSAGO is 9,000 rubles, the additional payment will be 1,800 rubles . The formula looks like this:

9000*0,75*1,6=10800, 10800-9000=1800.

If the second driver is a person with good KBM and KBS indicators, then the insurance will not be more expensive.

Calculation of the cost of OSAGO Ingosstrakh near the Kutuzovskaya metro station

To calculate the cost of compulsory motor insurance, use the calculator below.

How is the cost of compulsory motor liability insurance calculated?

At the moment, 10 coefficients are involved in calculating the cost of compulsory motor insurance.
The cost of the policy is calculated using the following formula: Policy amount = TB * CT * KBM * KVS * KO * KS * KP * KM * KPR * KN

, Where

TB

— The basic tariff is set by the insurance company in the corridor determined by the Central Bank.

CT

— Territory coefficient depends on the place of registration of the car owner.

KBM

— Maximum KBM of vehicle drivers allowed to drive (depends on accident-free experience).

PIC

— The age-experience coefficient depends on the age and experience of drivers allowed to drive a car.

KO

— Factor limiting the number of drivers.

KS

— Seasonality coefficient (not yet used = 1).

KP

— The period coefficient depends on the number of months for which the policy is issued.

KM

— Power factor depends on the amount of horsepower.

KPR

— The trailer coefficient depends on the use of the vehicle with a trailer.

KN

— The rate of violations, or whether the driver had gross violations of insurance conditions.
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Basic rates of insurance companies

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Registration of E-OSAGO for agents

If you want to work with us in the field of issuing EOSAGO policies, then welcome to our platform.
Leave a request to register as an agent. And we will assign you a commission for issuing each UISAGO policy. If you have any questions, you can ask them by phone numbers listed on the website. REGISTRATION ON THE PLATFORM

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Procedure

To make changes to the insurance, the car owner or an authorized person must come to the office of the insurance company where the auto insurance policy was purchased. Edits to the current document are made by an employee of the company. The insurer may require the driver to:

• Original passport of the car owner;
• Vehicle registration certificate;
• The original of the current MTPL policy;
• Passport of the driver whose name will be included in the policy, and his driver’s license.

In rare cases, the insurance agent may ask for a handwritten statement. There is no significant difference in the package of documents and procedure for an existing policy and when applying for new insurance.

After examining the submitted documents, the manager will carry out the necessary calculations and name the amount of additional payment for the remaining days. After payment, the insurer will fill out a new form or add the driver’s name to the current MTPL policy. If changes are made to a valid document, it is additionally certified by the signature of an authorized person and the company’s seal. Information is submitted to the database within 3 working days .

You can also add a person to the electronic MTPL policy online. To receive an electronic version of the policy, you need to log in to the official website of the insurer where you purchased the current document, and then log into your personal account of the insurance company. Using the system’s prompts on how to add a driver to the electronic MTPL policy, the insurer must fill out all significant fields of the form. including the new driver's age and driving experience. After automatically determining the amount of the surcharge, you need to transfer money from your bank card to the insurance company’s account online. The document can be printed on a printer. A printed auto insurance policy has the same legal force as a printed paper one. This norm is defined in the Law on Compulsory Motor Liability Insurance (MTPL) in Article 32, paragraph 1.

The advantages of registering a vehicle license via the Internet are obvious. Firstly, it saves time, and secondly, the manager will not be able to impose on the policyholder services that he does not need. All accumulated discounts and bonuses for accident-free driving are retained by the insured person. The history is stored in the RSA database, to which all insurers and state traffic inspectors have access. If you lose your policy, the form can always be printed again.

How to make changes to the electronic OSAGO policy

Every car enthusiast should know how the procedure for making changes occurs and what is necessary for this. For your convenience, we have created a small step-by-step instruction.

Step one. We write a statement to the insurance company

The first thing you should do is contact the office of the insurance company and write a statement. The application form is always issued by employees of the insurance company. At this stage, many make a mistake and simply go to the nearest insurer.

Experienced experts advise calling the insurer in advance and clarifying whether they will be able to make these changes or not. The thing is that a number of financial organizations can amend the agreement only at the central office.

Step two. Submit documents

You can make changes to the electronic MTPL policy at VSK, Soglasie or Ingosstrakh only if you have a complete package of documents. To apply you will need to provide:

Step three. Getting new insurance

After accepting the application and package of documents, an employee of the insurance company will make changes to the contract form and issue a new policy

It is important to take into account that, under special conditions, the new form will contain the number of the previously received contract.

According to the rules, the insurer can make changes on the back of the form. In this case:

• put o;
• new data is entered;
• the employee’s position, full name and signature are given;
• date and time are entered.