How to add a new driver to your insurance

How to add a driver to an electronic policy?

Auto liability insurance is the responsibility of every car owner. Today we will look at a situation where you need to add an additional driver to your electronic policy.

This situation can result from a number of circumstances.

For example, if an accident occurs, the culprit of the accident, who is not included in the compulsory car insurance policy, will have to pay an administrative fine from his own pocket; if he becomes a victim of the accident, no one will pay him compensation. Because his name is not on the insurance policy.

If he had been properly insured, then in both the first and second cases the burden of financial responsibility would have fallen on the insurer.

When it may be necessary to expand the list of drivers indicated in the policy as authorized to drive a vehicle.

The need to make changes to an electronic document may be a service issue. If the vehicle is owned by legal entities, and the insurance for it is issued with a limitation, in this case a new driver is added to the policy. The company has a new employee who is tasked with making regular trips or replacing the main driver. It is not enough to have a driving license. You also need to be insured - this is the law.

Or, for example, it becomes necessary to include a driver in an electronic policy even when a new driver appears in the family. Any adult family member who has acquired the right to drive a vehicle. For example, the spouse of a car owner receives a license and plans to operate the family car together.

When entering into inheritance rights to a car, options are available: either take out new insurance, or add the person to an existing policy. Also, the need to include an additional driver in the MTPL insurance arises if the car owner has lost the ability to drive a car due to health reasons. Or, according to a court decision, he was deprived of his rights for some offenses - for example, he could be the culprit of an accident.

Calculate the cost of insurance; in some situations it becomes profitable to purchase insurance without restrictions on the number of drivers.

The law stipulates that no more than five drivers can be registered in one document.

Methods for making changes to an electronic insurance policy

• contact the office of the insurance company directly - come there with the appropriate package of documents,
• through the Internet.

Not all insurance companies provide the service for changing insurance data online. Therefore, you should check on the official website of the insurance company or by calling the hotline of the insurance company how the procedure for adding a new person will be carried out - in person or online.

If your insurance company does not provide the ability to make changes to an electronic policy online, it is worth visiting the company’s office to make changes, rather than using the services of “insurance agents,” since many types of fraud in compulsory motor liability insurance are associated specifically with “compulsory motor liability insurance agents.”

What documents are required

To add new drivers to the electronic MTPL when contacting the insurance company office, you need the following documents:

• The passport of the person for whom the insurance is issued or a notarized power of attorney,
• Printed electronic insurance form,
• Passport and driver's license of the person included in the MTPL.

When contacting the insurance company's office, photocopies are taken of the documents and certified on the spot. The new driver, whose data must be entered into the electronic policy form, is not required to be present during this procedure. All changes are made during the working day and the policyholder receives a notification about the acceptance of changes to the policy. Only after receiving such a notification can a new driver be allowed to drive a vehicle.

To add a driver to your electronic policy online, you need to go to the insurer’s website, log into your personal account and select the “Make changes” option.

In your personal account, select the number of the previously concluded insurance contract, check your data: series and number of passport, ID, etc. You can now make changes to the number of drivers included in your policy.

Check the entered data carefully; any incorrect data may result in the policy being declared invalid and you will find yourself without insurance.

Save your changes. Complete an Application for Policy Change to notify your insurance company. Since, only an employee of the insurance company can initiate the transfer of new data to the database of the Russian Union of Auto Insurers and certify the changed policy.

Application for amendments

To include a driver in an electronic MTPL policy, it is important to complete the application correctly. This can be done either independently or by turning to the insurance company for help.

The application is written by the driver in a free style. It must contain the following:

• The title is made up of the paragraphs “to” (full name of the insurance company), “from” (full name of the applicant).
• The application must contain a list of persons who are added to the MTPL insurance. Their details are indicated:
  • FULL NAME;
  • Series, passport number;
  • Series, driver's license number.
• There must also be a description of certified photocopies of documents.
• The date of submission and signature with transcript are indicated.

Two copies are compiled at once. Both must be submitted to the office of the insurance company; keep the second copy - certified with a stamp and signature - with you.

This stamp is not a mere formality. This is confirmation that your application has been accepted. One of the copies must be stamped and signed by the responsible employee - the one who accepts the papers at the insurance company. The form must contain a number, initials and an autograph with a transcript.

The sequence of further actions is as follows: the insurance company is obliged to review your application within 10 working days and make changes to the electronic MTPL policy.

In this case, a notification about a change in insurance data is sent to the applicant’s specified personal data – email or phone number.

At this point, the applicant must once again check the correctness of the entered data and, in case of an error, indicate this to the insurer. If the mistake was made by employees of the insurance company, then they are obliged to resolve this issue without the presence of the applicant.

The driver who needs to be added to the electronic insurance may not come to the company’s office. The presence of the car owner is sufficient.

Problems with changes to the electronic OSAGO policy

The procedure for issuing an electronic MTPL policy is quite new and is in the process of being finalized and improved. Therefore, adding a driver to a compulsory insurance policy, if it is issued electronically, may be problematic for some. Let's look at this procedure in more detail:

• Only a person whose data is already in the database of the Russian Union of Motorists has the right to take out electronic insurance.
• To add another driver to OSAGO, you will have to recalculate the insurance premium. Since insurance issued for several persons who have the right to use a vehicle is calculated based on the maximum coefficients.

Insured persons, according to the MTPL Law, are allowed not to carry printed electronic insurance with them. However, traffic police officers are not always able to check the validity of insurance on the spot. This may take some time. To avoid this problem, you should print the document in advance - on a regular A4 sheet.

Procedure and amount of surcharge

In order to include a driver in an electronic MTPL insurance policy, it is necessary to recalculate the amount of insurance cost; the risks of an insured event increase - in accordance with this, the amount of the insurance premium also increases.

It is calculated according to KBC (experience-age coefficient) and BMC (bonus-malus coefficient). In this case, all coefficients of drivers included in the electronic insurance are taken into account.

The bonus-malus coefficient is awarded for accident-free trips. Every year, if no insured event was recorded, the coefficient decreases by 5%. For a newcomer who has not previously been registered with the Russian Union of Motorists, the bonus-malus coefficient is 1

The experience-age coefficient is calculated based on the following driver data:

• Age up to 22 years; driving experience up to 3 years; FAC - 1.8;
• Age over 22 years; driving experience up to 3 years; FAC -1.7;
• Age up to 22 years; driving experience over 3 years; FAC - 1.6;
• Age over 22 years; driving experience over 3 years; FAC - 1.

Let's try to look at an example of the amount of surcharge for adding a new driver to an existing mandatory electronic document.

Let’s say you need to add a new driver aged 21 and 3 years of accident-free driving experience to the insurance of a 30-year-old car owner with 4 years of accident-free driving experience. The base rate is 6,000 rubles.

The annual calculation of the cost of insurance for a car owner will be:

6,000 (base rate) * 1 (PIC) * 0.8 (KBM) = 4800

Calculation of the cost of the policy for the year:

6,000 (base rate) * 1.6 (FAC) * 0.85 (KBM) = 8160

In this case, the difference in the cost of insurance will be 3,360 rubles, and the additional payment for the person included in relation to the base rate will be 2,160 rubles.

You should also take into account the insurance period that remains at the time a new person is added to the insurance contract.

Let’s say you need to enter it for 5 months – from March 15 to August 15. Converted to days it turns out to be 153.

Then the amount of the surcharge must be divided by 365 and multiplied by 153.

2160 / 365 * 153 = 905.42 905 rub. 42 kopecks — this is exactly the amount you will have to pay extra when adding new drivers to the electronic MTPL in this situation.

Agree, it’s not that much to guarantee that if an insured event occurs, the one who is driving will receive compensation.

It would be useful to remind you that the cost of the insurance document is calculated based on the region in which the insured person lives. Therefore, if you hire an employee who lives in Ryazan and will from time to time make flights to the territory of your region, the amount of additional payment for him is calculated according to the territorial coefficient; for the Ryazan region it is 0.9, and, for example, for Moscow - 2.

Calculate the amount of additional payment under the motor third party liability insurance policy in advance, before making changes to the policy, preferably using a calculator on the website of the company with which you previously took out compulsory motor liability insurance. If drivers are added who do not have extensive driving experience and accident-free driving, and who have been involved in an accident during the previous year, the amount of the surcharge can be very significant. With this option, it may be more profitable to issue a policy without restrictions on the number of persons allowed to drive a vehicle.

It is worth remembering that the changes made do not take effect immediately, so they should be included in the policy in advance, at least three days before the new driver’s intended trip.

How to add another driver to your insurance?

On the territory of the Russian Federation, driving a car without a valid MTPL policy is prohibited. Having valid insurance is mandatory not only for the owner of the car, but also for other persons allowed to drive it. The article describes how to add an additional driver to an existing car insurance contract, what papers will be required and what to do if the document was issued electronically.

Reasons to include other people

Compulsory car insurance is a tool for financial protection of civil liability of vehicle owners. If it exists, the insurance company undertakes to pay the damage caused to the injured party as a result of the accident. If a person who is not included in the insurance is driving a car involved in a traffic accident, there will be no payments to the victims from the insurance company. In addition, this person, if found to be the guilty party, will be obliged to pay all damages to the victims from his own funds.

In addition to payments after an accident, administrative penalties are also provided for the lack of compulsory motor insurance. According to the law “On Compulsory Motor Liability Insurance” and Part. Art. 12.3 of the Code of Administrative Offences, a fine of 500 rubles is provided for the driver not having a valid car insurance policy. It can be applied any number of times until the violation is corrected. This point applies to everyone who got behind the wheel of the car, including the owner’s relatives.

Based on the above, the main and main reason for including other people in the MTPL policy is the ability of these people to drive a vehicle. The frequency and duration of the transfer of driving rights, as well as length of service, age and other information about the new driver do not matter.

The only exception is a policy with an unlimited number of persons; in this case, listing and adding new people allowed to drive a vehicle will not be required.

How many people can I contribute?

There are no legal restrictions on the number of persons who can be included in the insurance. In fact, on the policy form there are only five fields for entering data. If it is necessary to indicate six or more persons in a document, the policyholder is obliged to provide the owner with an additional policy with the specified data.

Any inscriptions on the back of the form are prohibited and have no legal force. There is a mention of this in the law “On Compulsory Motor Liability Insurance”: all persons indicated on the front side of the document are admitted to management. An additional form is issued by the insurer free of charge.

If the number of people who will drive the vehicle is unknown in advance, or their number exceeds 10-15 people, then it makes sense to issue a car insurance contract for an unlimited number of people. The cost of such a contract is slightly higher than usual.

Adding to the driver's insurance

One of the simplest ways to add an additional driver to your policy is to contact the insurance company office. Algorithm of actions:

1. Select a suitable insurer's office. This does not have to be the same department where the policy was originally issued. It is possible to choose any convenient branch. It is better to call the insurer's hotline in advance and clarify the opening hours and services provided by a specific office;
2. Visit the office to complete documents. This can be done either by the owner himself or by his representative with a power of attorney. The presence of the person whose data is to be entered is not necessary. Only original documents will be required from him. All actions are performed by the owner or his authorized representative;
3. Provide the necessary documents to the insurance company. Only four documents are required: the passport of the owner and the new driver, the driver’s license of the person who needs to be included in the policy, a valid insurance contract;
4. Write an application to enter data about the new driver into the policy. The form and sample of its completion will be provided by a specialist. To save time, the application can be filled out at home, having previously specified which mandatory items must be present in it;
5. Pay the required amount. This may not be required in all cases. The exact calculation will be made by a representative of the insurer. The amount of the surcharge depends on many factors: age, length of service and bonus-malus coefficient of the new driver, as well as the remaining time until the end of the contract;
6. Submit your old document and receive a new one with changed data.

The entire procedure, excluding possible queues, will take no more than half an hour. You can add any number of drivers to your policy at one time.

Required documents

A package of documents that must be submitted to the insurance company:

• passport of the owner and new driver;
• a valid auto insurance contract;
• driver's license of the person who will be entered on the form.

In addition, you will need to fill out an application, the form of which will be issued by an employee of the insurance company.

What is the cost of the service?

The procedure for entering data about a new person is absolutely free. Payment may be required if the policy cost calculation coefficients change. They will be adjusted based on information about the new person: driving experience, age, accidents. An example of calculating the cost of adding various categories of drivers to the policy:

1. With extensive driving experience. For persons over 22 years of age and with at least 5 years of driving experience, the coefficient is set to 1.0. If the new driver is older than the main one and has more than 5 years of driving experience, then no additional payment will be required. In addition, the calculation also takes into account the accident-free driving coefficient (bonus-malus). If there are accidents, the cost of deposit will increase.
2. Accident-free driver. The higher this coefficient, the greater the discount. Its size can vary from 5 to 50% of the total cost. You can check the coefficient on the RSA website, in a single database.
3. The culprit of the accident. This is the most expensive option. The amount of the surcharge depends on the malus bonus assigned to the driver. Its maximum amount can reach 2.45, in which case the cost of the additional payment will exceed the price of the original policy several times.

In addition, the amount of additional payment is also affected by the time remaining until the expiration of the current policy. The closer this period is, the less amount you will have to pay.

Adding a person to an electronic policy

If you have an electronic version of the document, the process of adding a new driver is greatly simplified. To do this, just follow these steps:

• log into your personal account on the official website of the insurer;
• enter information about the person to whom the right to drive the vehicle is planned to be transferred;
• familiarize yourself with the amount of the surcharge and deposit funds;
• receive a new policy form by email.

The insurer's refusal to add a new person to an existing insurance contract is unlawful (subject to compliance with the rules) and is punishable by a fine.

According to paragraph 1 of Art. 32 of the Law “On Compulsory Motor Liability Insurance”, the driver is not required to carry with him a policy printed on printed form. The document number or its version printed using a regular printer is sufficient. The traffic police inspector is obliged to independently check the validity of the document in a single database using the number provided. There is no penalty for not having a printed form or an electronic version of the policy.

Can I make changes to my insurance online?

Making changes without coming to the insurance company office in person is only possible if the original document was drawn up electronically. That is, both options for making changes are available for an electronic MTPL policy: online using your personal account on the website and during a personal visit to the office of the insurance company.

If the initial document was drawn up in paper form when visiting the company’s office, then subsequent changes must be made in a similar way.

Any driver who is allowed by the owner to drive a vehicle must be included in the current OSAGO policy. This need is not affected by driving experience, age, or other indicators of the new driver. The procedure for changing data is free. An additional payment may be required if the coefficients of the new person are less than others previously specified in the policy.

How to add another driver to an electronic or paper OSAGO policy?

Asking a lawyer is faster than reading!

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Three years ago, a law was signed that allows changes to be made remotely to the MTPL policy using Internet services. Purchasing car insurance electronically has been allowed since the fall of 2015. Such changes have made life easier for drivers, since they no longer need to visit the insurance company in person. Now it is enough to register on the official portal of the insurer and submit an application for insurance. In your personal account you can also make changes to your existing policy, including adding a new person.

How to add another driver to OSAGO?

Necessary corrections to the MTPL insurance policy are made in the user’s personal profile. If the service refuses after filling out an application to add a new driver, you should contact the insurance company directly, where adjustments will be made to the contract.

The corrected information will be updated in all databases, after which a mark indicating the changes made will appear on the electronic version of the policy.

But for the changes to officially take effect, certification of the adjustments made will be required. These manipulations are carried out by the company's agent, after which the insurer's stamp is affixed to the policy. On the websites of enterprises there are clear instructions for filling out so that mistakes are not made.

To simplify things, since 2016, insurance companies have developed automated systems that compare the submitted information with data from the AIS OSAGO and the Russian Union of Motor Insurers. But you should take into account the fact that the information is not updated immediately.

Many drivers still contact the insurance company office the old fashioned way. In order to register a new person in the IC office, you will need the following documents:

• MTPL policy, which is valid during the period of circulation. This document is subject to change;
• passport details of the driver who has a driving license;
• driver's license of the person who will be included in the policy.

The organization providing insurance services requires filling out a certain form. This can be done on the website independently, but only if you have accurate driver information. If at least one error is found, the insurance company will cancel the contract not only in relation to the new driver, but also to the old one.

When making changes using the insurance company's website, after the procedure the user will receive a revised policy by email . It is advisable for this document to be printed and kept in the car. This way, the car owner will get rid of troubles if law enforcement officers have problems updating the database.

How to add a driver to the MTPL electronic policy?

An electronic vehicle license is provided in a uniform version for all citizens. A car owner who wishes to register another person in the current compulsory motor liability insurance goes through the established registration process on the insurance company’s website. Preference is given to the insurer that has the right to sell an electronic MTPL policy in the region of registration of the vehicle owner.

To register on the insurer's website you will need the following data:

• last name, first name and patronymic of the user with passport data;
• contact information (telephone number and actual residence address);
• email address.

After registration, it will take a few minutes for the citizen’s information to be double-checked. After this, a confirmation of the results of the information verification will be sent to your email address and mobile number. Your personal account will provide access to your existing insurance.

To add a driver to your MTPL policy online, you will need the following information:

• passport and contact details;
• ID of the person who will be registered.

After changes have been made, the policy must be stamped by an insurance agent.

Thanks to electronic MTPL insurance, you can register an unlimited number of drivers. However, it may happen that the system will not allow you to add a new driver to OSAGO. Then it will be possible to make changes to the document only through a personal appeal to the insurer.

Should the owner be included in OSAGO?

The insured and the owner of the vehicle may be different people under the contract. The OSAGO form has special separated columns confirming the possibility of obtaining insurance by another person. You can register any driver who is allowed to drive a vehicle .

According to the current law, the contract is signed:

• by the owner himself;
• his confidant;
• one of the drivers indicated in the insurance documents;
• a close person or just an acquaintance with a power of attorney;

From the above, we can conclude whether it is possible not to include the owner in the MTPL - this does not contradict the law. Each of the above persons, subject to certain conditions, has the right to appear at the company and enter into an agreement without the participation of the owner.

How many drivers can be included in the MTPL policy?

An electronic insurance policy can have an unlimited number of registered drivers, as previously stated. But insurance document forms issued in the office often have up to five lines for additional entries of persons , so drivers mistakenly assume that up to 5 people can be entered on a limited basis.

According to the rules of compulsory motor liability insurance, any number of persons required can contribute. An insurance company employee is required to add citizens by recording their data on the back of the document. For such cases, there is a “Special notes” field.

How much does it cost to add a new driver?

Companies do not provide free services regarding changes to the insurance contract. To add another individual under an insurance certificate, they pay a certain amount, depending on:

• general driving experience;
• age of the person being entered (citizens under 22 years old receive a discount);
• accident-free or accident-free driving.

Purchasing insurance is an individual calculation. The price of the policy depends on the bonus-malus coefficients. This is the main parameter influencing the price for compulsory motor liability insurance. Approximate prices for adding another driver to your insurance:

• 9 - 2.7 thousand rubles + 1350 rub. in case of additional payment;
• 7 - 2.1 thousand rubles + 1650 rub. in case of additional payment;
• 55 - 1650 rub. + 1875 rub. in case of additional payment.

The cost of enrolling a driver without experience into the MTPL insurance will be calculated at a coefficient of 1.8.

If the victim is not included in the OSAGO policy

In the event of an accident involving a citizen who is not included in the policy, the Law “On Compulsory Motor Liability Insurance” becomes his protection. The victim should contact his insurance company to receive compensation for losses (PVU), if the following conditions are met (clause 1, article 14.1 of Federal Law No. 40):

• causing damage only to vehicles after their collision;
• The civil liability of the owners of these vehicles is insured in accordance with the law.

This means that if the victim was not included in the MTPL policy (but the insurance itself was taken out by the owner), the car owner must contact his insurer. If the owner does not have insurance, he contacts the insurance company of the party at fault for the accident.

How to add a driver to the electronic MTPL policy? How to make changes to the electronic OSAGO policy

Progress does not stand still; changes are usually aimed at making people’s lives easier, but sometimes they cause difficulties.

For example, not all motorists know how to enter a driver into an electronic MTPL policy.

It is not clear how exactly to make changes, how to add or remove a person from it, change driver’s license information, etc.

Here we will help you understand all the nuances.

Difficulties when issuing electronic policies

Previously, it was possible to issue a compulsory motor third party liability insurance policy only at insurance institutions; you had to go there yourself with a huge number of various pieces of paper, wasting time.

Sometimes it seemed as if difficulties were deliberately created for motorists. With the introduction of online registration systems, it has become easier to go through the procedure, but the question remains - how to enter the driver into the electronic OSAGO policy.

The difference between standard and electronic MTPL

So far, not in all corners of the country, due to the lack of the Internet, they have introduced the ability to buy a compulsory motor liability insurance policy on websites, however, at least 200 thousand Russian citizens have managed to experience significant benefits.

The online process differs from the usual one in that it takes about 30 minutes. They will not be able to impose unnecessary services on you, threatening to refuse to complete documents.

As you can see, the electronic insurance option clearly has many advantages over the conventional method.

Advantages of an e-policy

As written above, the main advantage is the speed of registration. There is no point in wasting time and money on gas to get to insurers. No need to stand in line and spoil your nerves. Decorating the house takes 20-30 minutes.

Opportunity to keep all acquired benefits. The history of each car owner is stored in the RSA register, and any insurance agent has access to it. Calculations are carried out automatically.

Absence of any imposed services. Usually agents offer to buy life insurance, health insurance, in general, everything that you won’t need, but will force you to spend your savings on it. For insurers this is a loss, but for ordinary motorists this is a huge benefit.

The E-policy can be printed on a plain sheet of paper. You do not need the original document. If you lose a document, simply print it again. This solves the issue of paid renewal.

How much does it cost to register online?

It is unclear where the rumor came from that such a process costs more than the usual method. As mentioned above, KBM discounts are not lost, and no one will take them away; they act in exactly the same way as in the standard procedure.

To find detailed information on prices, simply go to the website of the insurer you need and use the calculator, there you will find out the exact cost.

Design rules

To do everything right, you will need to take several steps. Obviously, first you should choose a decent insurance organization, then go to their page and create a personal account there.

Be very careful when filling out the form or when making changes. If you enter the information incorrectly, at a minimum you will not pass the test, at most you will waste your money.

If you are interested in knowing how to add a new driver to an electronic MTPL policy, know that simply entering additional data and then printing the document will not be taken into account; moreover, the document will not have legal force.

To register you will need to provide:

• Full name, date of birth, passport number and series;
• address of actual place of residence;
• mobile or home phone number (if you haven't turned it off yet);
• your email address.

Usually, after these steps, you need to wait for some time so that all the specified information is double-checked, then instructions for logging into your account will be sent to the phone number you specified or to your e-mail.

Next, we will arrange auto insurance; to do this, please provide the following information:

• Full name, date of birth, passport number and series, address of actual place of residence;
• information about the vehicle: make, model, date of manufacture, information that the car has passed a technical inspection;
• information about the driver's license of everyone who will be driving.

After a few minutes, a window with the amount to pay will appear in front of you. You can pay in cash or using a bank card on the insurer's website.

In the first case, you should go to the office and pay there, or there is also the possibility of calling a courier to pay.

Tips on how to safely issue e-OSAGO

The majority still prefer to take out insurance in the traditional way, since there is a lack of trust in the authenticity of the electronic OSAGO policy.

Motorists are afraid that if a document can simply be printed without any stamps confirming the authenticity of the document, then how will you know that you have taken out real car insurance?

Here are some tips to help you avoid danger:

Make sure you are on the official website of the company.

Do not be fooled by so-called discounts - they do not exist and cannot exist, prices are regulated only by the Central Bank of the Russian Federation.

Make sure that the insurance organization whose client you are actually issues e-OSAGO. If not, then scammers are operating under her name.

Changing the data in the policy

There are times when mistakes are made when filling out official forms. At the moment, they are beginning to introduce the so-called “manual” verification of information by insurance company employees, however, like all people, they make inaccuracies.

There are cases of changing a surname, this also requires entering new data into the document. Or if there is a need to add a new driver to the MTPL electronic policy.

If you decide that such a procedure is not worth the time spent on it, and you can just let someone else drive a vehicle, then you are deeply mistaken.

Such a risk will not be justified, since anyone, even the most experienced, can get into a traffic accident. Everyone who drives the car must be registered in the document, only in this case they can be paid compensation in the event of an accident.

If this is not done, the driver will be required to pay a fine.

Remember once and for all, under no circumstances should you make changes to the policy yourself; this right is given exclusively to insurers.

If you do this and are caught by law enforcement with such a fake document, you will be prosecuted. And with such “fake” insurance, no one will compensate you for the damage.

Interesting to know

Some insurance companies offer the opportunity to call an agent to make changes to the policy, for example, to add a driver to the electronic OSAGO policy.

An insurance agent can come to your home or work so you don't have to waste your time. However, you definitely need to check whether such a company actually exists.

It is also worth finding out if your insurers provide such an option; perhaps you can already use such a service.

How to add a driver to the OSAGO electronic policy

To add a new driver to the MTPL electronic policy, you need to go to the insurance company, and you need to take with you:

• current policy;
• passport of the new person;
• that person's driver's license.

Insurance specialists will give you all the necessary forms to fill out, it is worth noting that if the policy owner cannot be present, he can issue a power of attorney to make the changes. It must be certified by a notary.

How much does it cost to include a driver in an electronic OSAGO policy?

If you want to add an additional person to the MTPL electronic policy, you will still have to pay extra for it. This is due to the fact that with a new driver the possible risk of an accident increases.

There are two criteria by which the price of insurance is calculated:

• age of the person being entered;
• the person's overall accident-free record.

If you contribute a person who has minimal driving experience or no driving experience at all, then the amount will be maximum.

If the driver is quite experienced, namely, has an accident-free record of more than 3 years, and is over 22 years old, then the insurance institution will provide a discount for such a person.

The easiest way would be to use a special calculator, which is provided by all insurance organizations on their website.

How does the traffic police treat e-policies?

The vehicles of traffic police officers are not yet equipped with all the necessary technical devices, which means that they do not have the ability to check the document you provide electronically. To avoid creating problems for yourself, it is best to print out your policy.

How much does it cost to include in driver's insurance? The second and subsequent ones. Easy calculation. Just about the complex (video)

As you can see, adding a driver to an electronic MTPL policy is not so difficult; the main thing is to know that only an insurance agent can do this. Also, before making a change to your insurance policy, you can easily find out the cost of such a service using a calculator on the insurer’s website.

How to add another driver to your insurance policy

It is established at the legislative level that every car owner must take out a compulsory motor liability insurance policy. We are talking about third party liability insurance. It involves covering material damage, compensation for harm caused to property or human health due to the driver’s fault.

How to add another driver to your insurance policy

Important! According to the rules for registering compulsory motor insurance, all persons who are allowed to drive vehicles and do so legally must be entered in the form. Only in this case will the civil liability of each driver be insured.

If the car is driven by a person who is not included in the insurance policy, the traffic police inspector will issue a fine at the first post. According to the Code of Administrative Offenses of the Russian Federation, Art. 12.37 clause 1, the penalty is 500 rubles. Therefore, if there is a need to allow a person not listed on the form to drive a vehicle, you first need to figure out how to add another driver to the insurance and do this by visiting the insurance company.

[blockquote_1]You can read about the cost of a fine if it is not included in the insurance in an article on our portal.[/blockquote_1]

Who should contact the insurer

If there is a need to make changes to the OSAGO form, you need to contact the insurance company where the form was issued. In this case, the person in whose name the document is registered must come to the office.

Important! The legislation on compulsory insurance does not indicate that the presence of the policy owner is mandatory. But most insurance companies insist on this in order to reduce the likelihood of fraud to zero. .

If the owner of the document is not able to come to the insurer, another person can do this, confirming his right with the appropriate power of attorney. Of course, it is not economically feasible to draw up such paper just to visit an insurance company. We are talking about situations when, for example, a person buys a car with already issued insurance, does it by proxy, and wants to enter his data into an existing policy.

How many people can be included in the policy?

At first glance, the answer to this question seems obvious. The form has five lines where you can enter information about drivers whose liability you need to insure. In fact, it is possible to include more persons in OSAGO. Information about them is indicated on the reverse side, but it is better to fill out an addendum to the insurance and write down the necessary information there.

[blockquote_1]Important! If the policy is issued by a legal entity, it makes sense to initially choose a document option that involves liability insurance for all persons legally driving: power of attorney, waybill, order to secure the car, etc. Then you won’t have to make changes to your insurance when a new driver appears. .[/blockquote_1]

What documents must be provided to the insurer?

When planning a trip to an insurance company, you need to immediately collect the necessary documents:

• original OSAGO;
• passport of the person you need to enter. From here, the insurer's representative will take personal data to be included in the document;
• driver's license of the person included in the contract.

If you need to register several people at once, then there must be documents for everyone.

Personal presence of drivers is not required. As for documents, it is better to take the originals with you. Often copies are sufficient, but it also happens that the insurer requires the original.

How much does it cost to add an insurance policy?

The insurer provides the service itself free of charge. If the form includes people whose driving experience is greater than the policyholder’s, and the accident rate does not imply an increase in cost, you will not need to pay anything extra. But there are other situations, so the procedure for determining the price of the policy should be considered more carefully. It is formed under the influence of the following factors:

• driver age;
• driving experience;
• individual accident rate. Insurers call it bonus malus.

[blockquote_2] Important! Driving experience is determined by documents - the date of issue of the driver's license. At the same time, it doesn’t matter how many people actually drove .[/blockquote_2]

Taking into account all the driver’s data, the insurer’s representative determines the coefficient on which the cost of compulsory motor liability insurance will depend. For example, if a person is over 22 years old and has an accident-free driving record of 5 years or more, the coefficient is 1 and the cost of the policy does not change. For persons under 22 years of age with less than 3 years of driving experience, a coefficient of 1.8 is applied. Here you will have to pay extra.

[blockquote_1]Important! A discount for accident-free driving is provided if the person has not been involved in an accident and this is confirmed by information from the general insurance database. But when it comes to adding to an existing policy, some insurers may want to make money and specifically increase the coefficient. To avoid this, the calculation process must be controlled independently. .[/blockquote_1]

Formalities to consider

In order for the insurance agent to make changes to the OSAGO form, you must write a corresponding application. It can be drawn up at home, but usually insurers draw up the paper on the spot and do it themselves. This allows you to avoid errors and inaccuracies.

As for changes made to the policy, they must be certified by the insurer’s signature and seal. Most insurance agents still prefer to withdraw the old policy and instead issue a new one with updated data.

The registration procedure itself takes 15-20 minutes.

Making changes electronically

Considering that today it is possible to issue an electronic MTPL policy, changes can be made to it in the same way. The procedure is performed on the official website of the insurance company and takes a few minutes. The main thing is to register and log in to your personal account.

Important! The likelihood that the option will be unavailable is minimal. Insurers are obliged to monitor the performance of the site, and if the user cannot issue a policy electronically, the insurance company must eliminate this problem as quickly as possible, because otherwise it may be subject to a fine of several hundred thousand rubles .

The procedure for making changes is very simple. After a person adds another driver, the system calculates the amount of surcharge, if any, and all that remains is to simply transfer the funds to the insurance company's bank account. Next, the user receives an updated version of the electronic MTPL agreement by email, which he can subsequently print.

Important! Sometimes traffic police inspectors fine drivers for not having the original insurance policy, but such actions are considered illegal. A person can have a printed copy of the document with him, and this will be enough . This statement is stated in paragraph 1 of article 32 of the law on compulsory motor liability insurance .

There is no need to talk about the advantages of issuing an electronic policy. Every driver understands that in this way he saves time, effort, and money, because he does not need to get to the insurer’s office. In addition, you can use the electronic portal at any convenient time.