How to add a driver and make changes to Rosgosstrakh OSAGO

According to current legislation, vehicle owners are required to insure their property. In this case, the insurance must indicate all drivers who have access to the car. These are mandatory requirements, failure to comply with which may result in a fine for driving without compulsory motor liability insurance.

On January 9, 2021, the instruction of the Central Bank of the Russian Federation No. 5000-U came into force. This document changed the procedure and rules of car insurance. Innovations primarily relate to the driver's vehicle, length of service, age of drivers and the number of citizens included in the insurance. As a result, the final cost of compulsory motor liability insurance has also undergone changes.

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When do you need to register a driver for compulsory motor liability insurance?

According to Article 1079 of the Civil Code of the Russian Federation, responsibility for the vehicle falls on its owner. The insurance company, concluding a compulsory motor liability insurance agreement with it, undertakes to compensate for the damage that may be caused by this vehicle to other road users. At the same time, the insurance company must be aware of possible risks (this is what determines the cost of insurance). If an accident occurs, and the driver who was driving at that moment was not noted in the MTPL agreement, the insurer has the right to refuse compensation for material damage.

Thus, if in 2021 the car owner plans to allow another driver to drive the vehicle, it is necessary to enter information into the insurance. Compliance with this condition is mandatory. However, there is an exception to the rule. So, if the contract initially did not contain restrictions on the number of persons admitted to the vehicle, then there is no need to include anyone in the insurance.

If the insurance contract specifies several drivers, the cost of registration is calculated based on the driver with the highest total coefficient. If you include a person who has more experience than the owner of the vehicle, you will not have to pay extra.

How will the cost change?

Insurance companies cannot take money if the owner signs up additional drivers who are allowed to drive. However, insurers are trying to partially compensate for their losses by raising the cost of the policy itself.

For those who are unfamiliar with the mechanism of car insurance, we note that compulsory motor liability insurance is issued in accordance with the provisions of Federal Law No. 40-FZ, which regulates not only insurance rules, but also prices.

In particular, Article 9 of the law in question indicates that the cost of the policy consists of the base rate and applied coefficients.

The base rate is set by the state, and insurance companies cannot change it at their discretion. Therefore, the cost is increased through the use of certain coefficients.

There are only 8 of them:

1. Territorial.
2. Accident-free driving (ACD).
3. Correlation between driver age and experience.
4. Number of persons admitted to management.
5. Car power.
6. Insurance period.
7. Seasonality of use.
8. For drivers who have committed serious traffic violations.

Please note that after the owner enters another driver, the value of not all of the listed coefficients will change.

Only the KBM and the age-experience ratio are guaranteed to increase. The coefficient for the number of persons allowed to drive increases automatically, regardless of whether one person is included in the insurance, or an unlimited number of drivers is specified.

Insurance price in 2021

The cost of registering a driver for compulsory motor liability insurance in 2021 consists of several parameters. One of the changes made in 2021 concerns the base rate.

The base rate is the initial amount from which the insurance company bases its calculations. It may vary for each company. However, price corridors are set by the Central Bank. In 2021, MTPL tariffs have changed significantly. Thus, for motor vehicles (categories A and M) the base rate varies between 694-1407 rubles. For passenger cars the price should be 2746-4942 rubles. Insurance of a truck weighing up to 16 tons will cost the owner 2807-5053 rubles, and over 16 tons – 4227-7609 rubles.

For passenger cars owned by legal entities, as well as those used as taxis, separate base rates apply. In the first case, it is 2058-2911 rubles, and in the second – 4110-7399 rubles.

The changes also apply to the KBM. However, here they only touched on the paperwork. The coefficients themselves remained the same as before.

In addition to KBM, the cost of MTPL insurance in 2021 consists of (Article 9 of Federal Law No. 40):

1. base tariff rate;
2. territorial coefficient (CT);
3. age-experience coefficient (AIC);
4. restricted use coefficient (CR);
5. power factor (KM)
6. coefficient of the number of violations (CN).

OSAGO price = Basic tariff x KT x KBM x KVS x KO x KN x KM

Since the calculation procedure has changed in 2021, the cost of insurance has also changed. If other drivers are included, the policyholder may be required to pay the missing amount (Article 15 of Federal Law No. 40).

How much does it cost to include a driver without experience in the insurance?

First, you need to understand the concepts and define what driving experience is. In fact, this definition is interpreted as the time that has passed since the citizen received a driver’s license. Thus, if a person received his license 4 years ago, but has never driven a car since then, his experience is still determined to be 4 years.

It should be noted that this method of calculation is applicable only for length of service. The accident-free driving rate is determined not by the date of receipt of the driving license, but by the date the driver is included in the MTPL insurance contract. That is, in the above case, the citizen is not provided with any benefits for the absence of an accident.

But how much will MTPL insurance cost for a driver without experience in 2021? According to the new rules, everything will depend on age. The coefficient by which the base rate will be multiplied varies from 1.6 to 1.87. The minimum amount (with a coefficient of 1.6) will have to be paid by novice drivers whose age exceeds 59 years. The maximum is for persons under 22 years of age (1.87).

An example of calculating the cost of compulsory motor liability insurance for a driver without experience.

Let the novice driver live in a region with a territorial coefficient of 1.2. At the same time, the engine power of the car exceeds 150 hp, and the age of the novice driver is 19 years. Then the power factor is 1.6, and the age factor is 1.87.

Thus, if the insurer has set a base rate of 3,000 rubles, then the final amount for a novice motorist will be 10,771.2 rubles (if such a driver is included, it is enough to pay the difference with the initial cost of insurance).

Basic tariff x KT x KBM x KVS x KO x KN x KM = Price of compulsory motor liability insurance for a driver without experience

3000x1.87x1.6x1.2x1x1x1=10771.2

How much does it cost to include an experienced driver in your insurance?

Everything here is also strictly individual. The coefficient will also depend on age. So, for drivers under 22 years of age with 3-4 years of experience, it is 1.66. Experienced drivers over 59 years of age will have to pay the least for insurance. After driving for only 3 years without an accident, they receive a reduction factor of 0.93. For example, if the regional coefficient is 1.2, the base rate is 3000 rubles, and the power factor is 1.6, then they will have to pay 5356.8. In this case, 9561.6 will be required from the young driver.

Basic tariff x KT x KBM x KVS x KO x KN x KM = Price of compulsory motor liability insurance for an experienced driver

3000x1.66x1.6x1.2x1x1x1=9561.6

In order to register a driver with experience, it is enough to pay the difference with the initial cost of compulsory motor insurance.

Having studied all the innovations, we can absolutely say that according to the new rules, compulsory motor liability insurance for experienced drivers has become cheaper. And the more experience and age of the motorist, the greater the benefit he receives. But for beginners the picture is not so joyful. They will have to pay even more for insurance than before.

Required documents for changes

In fact, making changes to an agreement with an insurance company is not that difficult. This will take a few minutes and a minimum set of documents. Here's what you need to prepare:

1. An old MTPL agreement that needs to be amended.
2. Passport.
3. Driver's license of the citizen who is planned to be included in the contract.

The presence of the person included in the insurance is not necessary. However, the presence of the vehicle owner (to be more precise, the policyholder) is required.

In addition to these documents, it is necessary to prepare a corresponding application. Typically, a form for this is issued at the office of the insurance company. Insurance company employees will also tell you how to fill it out and the exact cost of adding a driver to the MTPL policy. It is possible to prepare an application yourself in free form. However, in this case, you should find out in advance about the rules for drawing up such a document (detailed information can be found on the insurer’s website, or by calling its office).

What is the bonus-malus ratio (BMR)?

Bonus-malus is a coefficient that affects the insurance premium of the MTPL policy (that is, its cost); it gives a discount for accident-free driving of the vehicle during the validity of compulsory insurance.

Also, this coefficient, on the contrary, increases the cost of the policy if you are a problem driver, that is, you got into an accident and received insurance payments. This is one of the more complex ratios, so we have collected a lot of information about it in this article.

Step-by-step instructions for adding a driver to the MTPL policy at an insurance company

To change the list of drivers in the MTPL contract, you can visit the office of the insurance company. It does not matter where the owner executed the previous document. Changes can be made at any of the insurer's branches. The price of the policy will not change depending on where the changes are made.

It is prohibited to independently make any entries into the MTPL agreement. This is regarded as falsification of documents and carries with it responsibility.

Thus, you can enter a citizen into OSAGO in a few simple steps.

1. First of all, it is necessary to send the IC a statement of desire to make changes (in writing). As mentioned above, to do this, just contact the nearest office of this company. If the insurance owner cannot be present during the re-registration, he can send another person in his place. However, in this case, a power of attorney will be required (the latter must be certified by a notary).
2. The policyholder should also prepare the documents necessary to change the data. Their list has already been given above.
3. Next, all the necessary data is entered into a single database.
4. After this, the insurer will either return the old insurance to the driver with the changes already made, or issue a new form.
5. In some cases, an additional payment may be required for adding the driver to compulsory motor liability insurance.

To make changes to the compulsory motor liability insurance, the presence of the citizen who entered into an agreement with the insurance company is required, rather than the owner of the vehicle..

There are several clauses in the contract that cannot be changed. This includes the insured vehicle, the policyholder and the validity period of the document. To change this information, you will need to enter into a new agreement with the insurance company.

When to add a new driver

An MTPL policy is not just a document that it is better to have with you in order to present it when stopped by traffic police officers.
This is financial protection for the liability of citizens - vehicle owners. Thanks to compulsory motor liability insurance, the insurance company will have to compensate for the damage to the injured party as a result of a traffic accident. Sometimes, if several participants in an accident are at fault, several participants in such an incident may receive the right to receive insurance compensation at once. But if it turns out that a person who was not included in the insurance was driving the vehicle, then upon the occurrence of a traffic accident, the culprit without insurance will assume the obligation to compensate for the amount of damage that was caused to one or several victims at once.

The law on compulsory motor liability insurance is in force on the territory of the Russian Federation. In accordance with this regulatory act, as well as Article 12.3 of the Code of Administrative Offenses, the owner of the vehicle in whose control the car is located is held accountable if it is determined that he does not have compulsory motor insurance. In this case, the fine will be 500 rubles.

If the vehicle is driven not only by the insured person, but also by family members, acquaintances, relatives and friends, it is better not to risk your money in vain, but still carry out the appropriate procedure to enroll the person in the insurance. This will avoid serious problems in the future. Rest assured, this procedure will not take too much time, but will save you from the possibility of administrative penalties and various problems in the event of an insured event.

Is it necessary to have a driver included in the insurance?

In fact, to add a driver to insurance, his presence in the insurance company’s office is not even necessary. All documents are handed over by the person who prepared the paperwork initially. And now he must definitely appear. Or he can send someone by proxy.

The power of attorney is drawn up in writing and certified by a notary. The power of attorney must indicate the actions permitted under it. For example, it may be stated here that it gives the right to represent the interests of a citizen in an insurance company, or to make changes to the insurance. By default, the power of attorney is valid for 1 year. However, the period may be specified in the document (the maximum possible is 3 years).

Step-by-step instructions for adding a driver to your MTPL policy online

Starting from 2021, drivers have the right to issue an electronic MTPL insurance policy. This significantly simplifies the procedure for obtaining insurance and allows citizens to save their time. In addition, this option in 2021 makes it possible to make changes to the document via the Internet. This also applies to adding new drivers.

The procedure here is not much different from contacting the Investigative Committee office. Therefore, to add a driver to the MTPL policy online, the policyholder will need to follow a few simple steps.

1. First of all, you will need to find on the Internet the website of the insurance company where the document was issued. This is not that difficult to do (you can also find instructions for making changes here).
2. Next, you need to log in to the site and enter your personal account.
3. After this, you need to collect all the necessary documents. The policyholder sends an application to the insurance company through his personal account and attaches copies of the collected papers to it.
4. The next step will be to make an additional payment for adding the driver to the MTPL policy (in some cases, no money is required).
5. When all the papers have been sent and payments have been made, the citizen can receive a new copy of the electronic insurance policy.

The changes made on January 9, 2021 did not in any way affect the procedure for adding a new driver to the MTPL policy; only the cost of the procedure changed.

Rosgosstrakh OSAGO calculator

At Rosgosstrakh, in addition to a regular policy, you can take out compulsory motor liability insurance for the period of travel to the place of registration of the vehicle, as well as insure a vehicle registered in a foreign country.

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To issue an insurance policy, you will need a technical passport for the vehicle, a driver’s license for you and those you plan to allow to drive the vehicle, your passport and a previous MTPL insurance policy.

How to get a discount when adding a driver to your MTPL policy?

One of the values ​​that significantly influences the cost of adding a driver to an MTPL policy is the bonus-malus coefficient. In 2021, not only can it increase the cost of insurance, but it also allows motorists to get a discount.

The main value influencing the KBM is the driver’s loss rate. The more often he gets into various types of accidents, the more he will have to pay (of course, cases where the motorist was not the culprit of the accident are not taken into account by insurance companies).

KBM uses a class system. Initially, any driver is assigned fifth class (according to the old rules it was third class). If a motorist does not cause losses to the insurer (that is, does not become the culprit of accidents), each year his class increases by one line. Accordingly, its discount on registration increases. For each year -5%.

If in the past year the insurer suffered losses due to the fault of the policyholder, the cost will increase. Thus, a driver who frequently gets into accidents can receive an increase factor of up to 2.45. The minimum coefficient is 0.5 (it is assigned to drivers of class 15). Thus, a motorist can receive a 50% discount on registration. To do this, he will need to spend 10 years without accidents.

It should be noted that the amount of the insured amount paid, as well as the severity of the accident, do not in any way affect the CBM. Only the number of payments affects. That is, a motorist who often gets into minor accidents will pay more than a driver who is at fault for one major accident. And it doesn’t matter which of them brought big losses to the insurer.

If a motorist wants to save on registration of compulsory motor liability insurance, then he definitely should not include emergency and novice drivers. After all, the cost of the policy is calculated based on the coefficient of the driver with the worst bonus-malus coefficient. This means that the price after such additions can increase several times (for example, if a motorist who has driven without an accident for 10 years adds a driver with the maximum KBM, the prices will increase almost fivefold). However, the vehicle owner has the right to exclude emergency drivers from insurance. In this case, the insurer is obliged to return the difference in costs.

Dependence of the cost of the policy on the added driver

Based on length of service and age, the cost of the issued or existing policy changes. After all, these parameters are related to the age/experience coefficient and the KBM coefficient.

Age-experience coefficient

How much does it cost to include a driver without experience in the insurance? This question interests those who add people who have recently received a license. If a person does not have driving experience, his license was issued less than 3 years ago, then the price of the policy increases by 70 or 80%. In this situation, it is worth considering additionally the age of the person. Upon reaching age 22, a 70% increase is calculated. When the driver is 22 years old or older, but his license is less than 3 years old, the policyholder will have to pay an additional 80% of the full cost of insurance.

In addition to an increase in the price of insurance due to the addition of a person without experience, an additional payment is possible when adding a person with more than 3 years of experience, but under 22 years of age. You will need to pay an additional 60%.

Bonus-malus coefficient

An important role when changing policy data is played by the individual KBM coefficient. It is assigned to each driver separately. This value depends on accident-free conditions when included in the MTPL insurance policy. When a person is first added as a driver to insurance, he is assigned class 3, and his BMR is equal to 1. After a year, the class will increase if no insured events occur due to the fault of the included person.

The discount for break-even insurance will also increase (BMR after the first accident-free year is 0.95). Accordingly, the price of a car title decreases every year by 5% (if other rates and coefficients do not change).

Given the bonus-malus ratio, the total cost of the policy may remain the same or increase depending on the added driver. Conditions when the policyholder does not have to pay extra:

• The person entered has more than 3 years of driving experience;
• Admitted to driving corresponds to the age category - more than 22 years;
• The BMR of a new driver is equal to or greater than that of the people already insured.

You can check the bonus-malus coefficient on the RCA service or on the service of another site. Nowadays, services for checking this coefficient are widespread on the Internet. There are online calculators for calculating the cost of compulsory motor insurance. You should indicate the region of insurance, validity period, age and length of service of persons allowed to drive, and vehicle power.

“Unlimited insurance” option

There are often situations when, when contacting an insurance company, an employee suggests that the policyholder change the policy to “unlimited”. This involves driving a car by any person who has a license. The price of such a policy will increase by 80%. This is convenient to do when you want to register young drivers without experience. But this option has several disadvantages:

• Drivers will not be assigned a bonusmalus coefficient, which in the future may provide a significant discount when added to another MTPL policy. In this case, KBM will be accrued only to the owner.
• Large surcharge - if the cost of compulsory insurance is about 10,000 rubles, then you will have to pay an additional 8,000 rubles.

Therefore, it is worth considering maintaining “limited” insurance. After all, sometimes an added driver will not affect the cost of the policy.

The driver receives a discount for break-even driving if he has fully covered his annual insurance. When included in the current policy, the discount will be assigned to those who were added during the initial registration of compulsory motor liability insurance.

Video: Calculation of how much it costs to add one more driver to MTPL insurance

Nuances

The innovations of 2021 did not have such a strong impact on the procedure for obtaining compulsory motor liability insurance. The main changes were made to the base rate, as well as the length and age of drivers. For some categories of citizens, the final cost of insurance has increased, and for others, on the contrary, it has decreased.

There are several important nuances when changing the policy:

• After re-registration, you need to make sure that the information is included in the AIS database (this is especially true for electronic documents). If a driver is stopped by a traffic police officer and sees that he is not in the database, a fine will be imposed.
• Changes can be made without the personal presence of the policyholder only with a power of attorney. And although the use of uncertified paper is allowed, most insurance companies do not accept them.
• If the owner of the vehicle is a legal entity, you will need to provide a company registration certificate to make changes.
• Before going to the IC office, you should make sure that all the necessary papers remain valid.

As you can see, making changes to your policy in 2021 is not that difficult. The main thing is to collect the necessary papers and submit an application. This can be done both online and in person. At the same time, the cost of insurance may change either up or down.