Making changes to insurance after changing rights

Do I need to change compulsory motor vehicle liability insurance when replacing a driver's license?

Sometimes drivers have to change their license . By law, this must be done once every 10 years. But there are a number of other reasons. In this case, not only the form changes, but also the validity period of the document and the number that was indicated in the OSAGO policy.

According to the rules of the insurance contract, the insurance company must be notified in case of any changes to its terms. The question of whether it is necessary to change the MTPL policy when replacing a driver’s license is relevant for many drivers.

After all, it contains information about the driver, which will become invalid. And most motorists do not understand what to do with the policy if their license is replaced.

This needs to be sorted out so that in the future, the insurance company does not refuse to pay the due compensation if you get into an accident on the road.

First of all, you should find out the reason for the doubts among vehicle owners. The MTPL insurance, which is issued to the owner of the car, indicates the series and number of the driving license.

The new certificate will have a different series and number; accordingly, this data will not coincide with the policy data. If the client has paid for the service, then insurers do not require renewal of the contract.

The main thing you need to do is to submit an application to change the series and number in the contract, and you can drive with the old insurance . Thus, the question of what to do with the MTPL policy when replacing a driver’s license will be resolved.

Legal basis

According to the law, insurance companies have certain rules. They indicate all possible cases when the validity of a motor vehicle license is terminated early.

This is possible if the policyholder wants it or the owner of the car changes without the consent of the policyholder. This means that you can sell a car with a policy, but notify the insurance company. After that, she will make appropriate amendments to the contract in the special notes section.

The MTPL rules do not say that replacing the policy is mandatory when replacing a driver’s license.

The provisions of the law do not indicate that the contract is terminated against the will of the driver when the owner of the car changes. But this does not mean that it is legal to drive a vehicle with someone else’s MTPL policy, which belongs to the former owner of the car.

The policyholder, at his own request, can give his policy to the buyer of the car. To do this, he must write an application to the insurance company, on the basis of which amendments will be made to the insurance document. The MTPL agreement will be reissued to the new owner.

How to deal with the policy correctly when replacing a driver's license

Not everyone understands whether it is necessary to change insurance when replacing a driver's license . There is a clear answer to this question in accordance with the law.

If the contract provides for the approval of changed data with the insurance company, it must be immediately notified.

The policy needs to be updated. Otherwise, the ID will be new, but the insurance information will be old.

It is mandatory to make changes when replacing a driver's license. To do this, you need to go to the insurance company and present the following documents:

Identification.
Vehicle registration certificate.
An application of a certain sample, which must be provided by an employee of the insurance company.
A valid MTPL agreement, which is in the hands of the driver.
New driver's license.

The above actions should not be shelved. If you do this at the wrong time, you may find yourself without insurance at the most inopportune moment. The company may invalidate the policy.

Insurers use any incident with documents as a reason to refuse to pay compensation. This is legal, since the information on the driver’s license and the policy will not match.

The MTPL rules state that if changes are made to the policy when replacing a driver's license, the insurer has the right to receive an additional insurance premium.

This means that the driver will have to pay a certain amount. During the period of re-issuance of documents, you should refuse to travel. This procedure does not last long, it only takes two days.

When to notify the insurance company of changes

In accordance with the 2019 legislation, there are a number of situations when a driver needs to urgently notify his insurance company to make changes to the policy:

Changing the list of people who are allowed to drive a vehicle. This is done so that a driver who is not included in the policy can use the car.
Replacement of driver's license.
If the period of use of the machine changes. You must notify before the deadline.
If the car was registered after purchasing compulsory motor liability insurance. After the numbers are assigned, the data should be reported to the insurer within 3 working days.

Cases in which you need to change your policy

An MTPL policy is a document without which it is impossible to receive insurance compensation after a traffic accident.

Therefore, any changes that have been made to the documents that are related to the policy should be immediately reported to the insurance company.

The contract will have to be replaced in the following cases:

when the policy is stolen;
if it is lost;
if the contract was damaged;
if the car owner changes his last name or any passport details;
when adding a second driver to the MTPL policy.

If the policy is expired, the driver may be fined . In accordance with the law, the contract must be renewed if the owner of the vehicle or his authorized representative does not submit an application to waive the terms of the organization two months before the expiration of the term.

There is another reason for replacing the MTPL policy - the owner sold his car, which contained insurance . It is not always possible to return it.

When a driver comes to the insurance company and asks to terminate the contract, they refuse. The refusal is explained by the fact that a copy of the document was not provided.

In this case, you first need to get a duplicate and only then decide whether to terminate it.

It is important to understand that you need to immediately make changes to the MTPL when replacing your driver’s license . It’s better to go to the insurance company one more time than to be left without insurance compensation and regret later.

How to save KBM when changing your driver's license

The bonus-malus ratio is not constant . It is affected by many factors and can easily burn.

Therefore, drivers are often interested in how to maintain a discount on compulsory motor insurance when replacing a driver’s license.

To do this, you need to contact your insurance company and do the following:

Come to the office of the insurance company with your new license.
If necessary, ask the employees for a sample of the relevant application.
Fill out an application, where you must indicate the new number and series of your driver’s license.
Write a request to save the previously accumulated KBM.

The above actions are quite enough for the insurer to update the data and enter it into the unified RSA database. Then the coefficient is not in danger, it will not be reset.

And the next time you purchase an MTPL policy, the discount will apply. It is necessary to take into account that the insurer needs to submit an application . There is no point in writing to RSA.

Only in this way can you be guaranteed to maintain the KBM discount when changing your driver’s license. In addition, the insurance company must be informed of any changes that relate to the car insurance contract.

This must only be declared in writing. Always following this rule, you can save the KBM even if your driving license has been replaced.

In some cases, the driver does not have time to make changes to the policy through the insurer before its validity period expires.

This is not a serious problem, since when renewing the contract, you can ask an employee of the organization to find a discount using the old license number.

Thus, if for some reason your driver’s license is replaced, you must inform the insurance company about it.

You should not delay this, then the organization’s employees will enter new data into the policy and no problems will arise.

To save your KBM, you should contact your insurer with an application, indicating the new series and number of your driver’s license.

What to do with insurance if your license has been changed?

It is necessary to make changes to OSAGO when replacing a driver’s license in several cases:

— the rights have expired and you changed them. Rights must be renewed every 10 years;

— you have lost your documents or had them stolen;

— took a different last name, changed personal data;

- received a new category.

When you redo the VA, you do not need to terminate the contract. Only your desire or sale of the car is a reason to refuse insurance. The insurance organization also does this at its own discretion, for example, if the client provided false information.

These are the only cases when you need to terminate the contract. If, for example, you changed your full name, then you only need to make changes to the MTPL when replacing your driver’s license.

When should I change my policy?

According to the law “On Automobile Citizenship”, the motorist must inform the policyholder that he has lost or altered the driver’s license, changed his full name, or opened a new category. There is not a word about the deadline for revising the contract when replacing rights. If you change only personal data, the series and number are saved. And there should be no problems with traffic police officers.

There is no need to change the current policy if you remain the owner of the car, but only update the driver's license.

Personal data has been updated

Example: Maria Timofeeva married Yegor Kuznetsov. Maria has a personal car and a compulsory insurance policy. If she decides to take her husband’s last name, then she needs to change her passport and all documents, including the vehicle registration certificate, and update information about the owner in the vehicle title and driver’s license. After changing your last name, you will have to review your policy. Information about rights and insurance remains the same - only the date and full name of the owner are new.

But this is just one example when it is necessary to redo the MTPL when replacing rights.

You get new rights

We said above that the ID must be renewed every 10 years. Let's say this deadline has arrived. You contact the traffic police MREO in your region and receive a new document. These rights have a different date, validity period, series and number; they will not coincide with those indicated in the previous form. Therefore, you will have to adjust your insurance.

In 90% of cases, the organization agrees to review compulsory motor liability insurance free of charge when replacing a driver’s license.

Have you entered into an electronic contract?

It is not necessary to print the updated one. Submit an application for review of the data to a specialist so that the information is added to a single database. This way the traffic police officer will check the authenticity of the electronic “vehicle license”.

You can only enter information on a paper form by visiting the company. If you issue a notarized power of attorney, another person will do it for you. You are allowed to correct information online if you have filled out e-OSAGO.

Why do you need to report to the Investigative Committee?

Since the law does not talk about mandatory revision of the policy, a reasonable question is: why introduce something then?

A widespread myth is that if you changed your license and did not notify the insurance company, but caused an accident, the organization will refuse to pay for you. And all expenses will have to be covered from your wallet. The company cannot do this, it is illegal. The Russian Union of Auto Insurers told the true reason. If you do not notify the insurer, you risk losing the bonus-malus discount. This is an indicator of accident-free driving.

When you renew your driver's license, information about the driver's experience with previous data simply will not be found in the system. This is a solvable issue, but you will have to spend time on it and apply for a “motor citizen” without discounts, and you will have to wait at least a month for a refund of the overpaid money. Therefore, if you do not want to pay the full price or bother with evidence for the CBM, then warn the insurance company.

Which items are changed in the policy and which are not?

When you contact an organization, the specialist adds only those conditions to the policy that have changed. The form remains the same, only in the line “Special notes” they indicate a different VU number and add the date and time of recording. The insurance company must update the information within five days. But in 99% of cases, organizations add information immediately upon a personal visit.

Information about the vehicle, the validity period of the policy, and information about the insurance company itself remain the same.

What documents will be required?

First of all, declare changes to the policy. To do this, contact your company in person, call the hotline or write an email. Changing anything yourself is prohibited.

The application form will be provided to you by the company. It will look something like this:

Indicate the contract number, date and necessary amendments. The specialist updates the information in the unified RSA database to renew your policy the next time you contact us. The discount assigned to the VU is your KBM.

The standard package of documents includes:

— the original of the current OSAGO - not required if you have an electronic one;

— passport or other identifier of your identity;

— a notary’s power of attorney and a representative’s passport if the papers are submitted by another person.

The complete list depends on the reason. For example, when changing your last name, a marriage certificate will be useful.

When else are amendments needed to the policy?

— you decided to add an additional driver;

What to do with MTPL after replacing your license?

A driver's license is one of the important documents when applying for an MTPL policy. But, as you know, licenses are subject to scheduled replacement every 10 years, or in other cases (loss, change of surname, opening of a category...), and along with the new licenses, their number also changes, which puts the driver in a difficult position regarding further actions with auto insurance policy.

However, the contract with the insurance company clearly states a clause that states the following: “The policy owner is obliged to notify the insurer of the replacement of the driver’s license as soon as possible.”

At the same time, nothing is said about whether the MTPL policy is subject to replacement after the replacement of rights?

If we take into account the fact that the new license indicates the number of the old license, then in theory, when checking insurance, problems with the traffic police officers should not arise.

The Federal Law also does not stipulate anything regarding the replacement of rights, that is, this procedure is not a reason for terminating the MTPL agreement.

Federal Law “On Compulsory Motor Liability Insurance” - the contract with the insurance company is terminated at the request of the policyholder, as well as when the owner of the vehicle changes. The contract can also be terminated at the initiative of the insurance company (if the owner of the vehicle provided false or incomplete data).

Therefore, there is no need to change your MTPL policy after replacing your driver’s license!

Do I need to make changes to the MTPL policy after changing my rights?

The answer to this question is definitely “YES”! And that's why.

As mentioned above, the policyholder is obliged to promptly notify the insurance company of changes in data. If new data is not included in the policy, in the event of an accident due to the driver’s fault, the insurance company may invalidate the policy and assign all costs associated with the accident to the owner of the vehicle.

Thus, obtaining a duplicate insurance policy when replacing rights is not required. However, its owner must promptly notify the MTPL insurer of the changes so that the necessary notes can be made.

Making changes to the MTPL policy when replacing a driver's license

After replacing your driver's license, you must contact the insurance company office as soon as possible.

You should have the following documents with you:

passport;
vehicle registration certificate;
new driver's license;
a valid agreement with the insurance company.

You must fill out an application on site. Sometimes you have to pay for the procedure (the law allows for the possibility of the insurer receiving a fee for making changes). The contract itself will remain the same. However, in the “Special Notes” column, the number of the new VU will be written down, as well as the date and time of recording. This must be done on the day the insurance premium is calculated by the insurance company. In exceptional cases, it may be necessary to create a duplicate form. In this case, the processing time will be 2 days.

According to the law, new data must be entered into a single electronic database no later than 5 days after the application.

Do I need to change insurance after changing my license: answer from the traffic police

Drivers who have had to replace their license are primarily concerned about the validity of the insurance policy, which contains the numbers of the old license.

However, the execution of new documents is not a basis for its replacement.

Legislation

The main regulatory act regulating issues related to the replacement of compulsory driver insurance policies is the Law “On Compulsory Motor Liability Insurance” No. 40-FZ, adopted on April 25, 2002. The regulation states that the policyholder has the right to terminate the contract at his own discretion at any time. Also, the document ceases to be considered valid when the right to own a car is transferred to another person.

The Federal Law does not say that you will have to redo your old auto liability policy by changing your driver’s license.

There are no similar references in another regulatory act reflecting cases in which it is necessary to change insurance ahead of schedule - Bank of Russia Regulation No. 431-P, adopted on September 19, 2014. The grounds for termination of the insurance contract are the cases noted in paragraphs 1.13-1.15 normative act:

death of the owner or person for whom the insurance is issued;
closure of the insurance company;
liquidation of the insured vehicle;
loss of a license to provide insurance services by the organization that issued the MTPL;
the owner of the vehicle changes;
falsification of information provided when concluding a car insurance contract was revealed.

However, when receiving a new driver's license, you must inform your insurer about the changes. You should act immediately to ensure that the driver’s information is promptly entered into the insurance company’s database. Otherwise, a traffic police officer who stopped the car for violating traffic rules or who came to record an accident will consider the insurance invalid, which is equivalent to driving without a issued compulsory motor liability insurance policy.

In accordance with Article 12.37 of the Code of Administrative Offenses of the Russian Federation, the inspector may fine for this offense. The motorist will be forced to pay 800 rubles.

In addition to a fine, the driver will suffer additional punishment related to compensation for the damage caused to the victim. The insurer is not required to pay out if the policy is found to be void. But if you notify the insurance company about changes in advance, they will be entered into the company’s database. This means that the policy is considered valid and the insurer will pay compensation.

But if you change your passport data, you will not be able to enter such information into the current policy and continue to use it legally. If you had to change your driver's license due to a change of name, for example, if the female driver got married, you will have to cancel the contract with the insurer and get a new OSAGO policy.

What should I do if I received a new license, but the policy contains old data and numbers?

You should notify the insurance company when changing the driver's license if the compulsory motor liability insurance policy limits the circle of people who can use the vehicle.

In such a case, the insurer will make a change to its own database and also make a special entry in the “Special Notes” column in the document. After entering the information into the insurance form, you can use it without restrictions.

But when taking out unlimited insurance, there is no list of persons allowed to drive. Therefore, changing the driver’s license number will not entail invalidation of the driver’s license, since information about the previous license is not indicated anywhere. But if you change your name, even unlimited insurance must be replaced.

How to make changes to the MTPL policy?

After redoing the driver’s license, the motorist must immediately go to the office of the insurer, for example, the Rosgosstrakh or RESO-Garantiya company, where amendments are made to the existing insurance contract and the corresponding indication of the change of rights is entered in the special notes column in the OSAGO form. To carry out such actions, you will need to submit some documents:

passport;
certificate of registration of the vehicle;
MTPL agreement;
ID received to replace the old one.

You will also need to write a statement containing a request for changes. You can fill out the document directly in the office or at home by downloading a sample on the Internet. Typically, the procedure for entering new information lasts no more than 5 days. During this time, it is better not to use the vehicle.

This work is not always free. The legislation provides for the possibility of the insurer receiving a premium for performing such actions.

How to enter new data into an electronic MTPL policy?

If the contract with the insurer was concluded online and the owner of the vehicle was issued an electronic MTPL, you can count on the possibility of changing the driver’s license number directly on the service provider’s website in your personal account.

However, not all companies provide such an opportunity. This is explained by the fact that all changes are made in your personal account, where only the direct user has access. And in order to legally change the information in the electronic policy, you need to involve a company employee. However, over time, insurers promise to begin a detailed study and answer how new information can be entered online legally.

Therefore, regardless of the method of issuing a policy and its type, you need to personally visit the office to enter new data. Changes are made as follows:

the owner of the vehicle writes an application indicating the number of the issued certificate;
a company employee processes the request and, having verified the authenticity of the rights, makes a new entry in the electronic compulsory motor liability insurance. You can find information in the “Special Notes” column.

Some companies have already provided users with the opportunity to enter new data themselves. To do this, you need to log in to your personal account and enter the updated information in the appropriate column of E-OSAGO. However, large insurance companies, for example Rosgosstrakh, prefer to change data directly upon personal contact from the driver.

How to save KBM when changing your driver's license?

Accident-free driving serves as the basis for the accrual of a special discount valid when purchasing compulsory motor insurance. It's called the bonus-malus ratio. Drivers who have exchanged their old license for a new one often wonder if the accrued points have expired and what needs to be done to preserve them.

To transfer your existing KBM to a new license, you need to contact the company that insured the driver directly. There is no need to write an application to the RSA.

To re-issue a KBM with a new license, you must provide the insurance company with valid rights. The driver also writes a statement containing the following information:

number and series of new rights;
request to transfer accumulated points to a new driver’s license.

The insurance agent looks for the KBM by the number of the previous rights and transfers it to the current license.

You can use the accumulated bonus-malus coefficient even without writing a corresponding application immediately after receiving a new license. You can take advantage of the discount accrued on old rights when applying for an OSAGO renewal when the previous policy has expired. Employees of the insurance company usually meet clients halfway and use previously accrued bonuses, finding them using the old VU number. The latter must be indicated in the current certificate.

Valid or remade: points of view

So, the law does not directly indicate the driver’s obligation to replace insurance when exchanging driver’s license. However, there are different views on this issue.

Traffic police response

It is important for the inspector that the insurance is valid during the inspection. Since, when notifying the insurer, a note about the new driving license is entered into the existing form, the traffic police officer recognizes the document as current. Therefore there is no need to change it.

Insurance company position

The law prescribes that the insurance company is obliged to provide the opportunity to make certain changes to the insurance contract. However, in reality, a number of companies offer vehicle owners to renew the agreement and issue a new policy.

The document has the same validity period as the old one, and the new VU numbers are written not in special marks, but in the information column. But for drivers, such an exchange is not always profitable: it is faster to make changes than to re-issue compulsory motor liability insurance.

Useful video

Detailed video about the situation:

How to make changes to the MTPL policy when replacing rights?

Purchasing motorist insurance is one of the mandatory requirements, which will further help insure the driver’s liability on the road. The policy can be purchased directly from an insurance company or from a bank that cooperates with them.

Often this is exactly what happens in the second scenario. Insurance can be mandatory or additional, which is tied to the first. The policy contains all information about the driver, his data from documents, as well as basic information about the vehicle. This is necessary for identification; all data is contained in a single database, through which you can find out when the insurance was issued and what documents were presented for this.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, just call, it’s fast and free!

Should I do this?

Often drivers need to replace their driver's license. This can happen for many reasons:

Last name change.
The rights were lost and new ones have different parameters.
The certificate must be replaced upon receipt of a new category.
The validity period has expired and so on.

Often drivers need to change their driver’s license, and not only the validity period of this document changes, but also its number. When concluding an agreement with MTPL, the client is informed that any changes that take place must be immediately reported to the insurance company. A certain period is allotted for this.

And the most interesting thing is that this must be done as soon as possible in the interests of the policyholder himself. What is this connected with? It's simple: if an insured event occurs and there is a discrepancy between the data in the policy and valid documents, the insurer has the right to refuse compensation. It is the driver or policyholder who bears the greatest risks. When replacing rights, there is no need to change OSAGO. We talked about this in detail here.

There are two options that can be used by a motorist who wants all data to be valid.

The first is that in the new rights you need to indicate the details of the identity that was valid before it. In this case, the insurance company will not be able to present anything.
The second option is to contact the insurance company with new documents and the old policy; they will make all the necessary changes in the database and you don’t need to worry (how to make changes to the policy if there is an error?).

Sometimes insurance companies, when making changes to the policy, require payment of an additional amount, this is due to additional risks and other reasons.

As for the regulations and laws in this matter, it is worth noting that the laws nowhere contain information that the policy is terminated if changes are not made to it ; the insurance contract is also not subject to cancellation against the wishes of the policyholder.

If the driver sells his car, then the insurance in this case also does not cease to be valid. But at the same time, the new owner must still contact the insurance company in order to make changes to the policy.

Fines and liability

For a driver who does not contact the insurance company in a timely manner, the main risk is that in the event of an accident he may be denied compensation. The insurance does not terminate in this case, but deprivation of compensation payments may occur.

The Federal Law “On Compulsory Motor Liability Insurance” stipulates that when applying for a policy, the driver must provide valid documents . If a replacement occurs, he must report it, but there are no penalties for failure to notify.

What should be included in the insurance after changing your driver's license?

To make changes to the policy, the applicant must provide the following documents:

Passport of a citizen of the Russian Federation.
Document on state registration of the vehicle.
Driver's license.
OSAGO policy.

New data is entered into the policy; changes must occur in a single database within five days.

How to do it: step-by-step instructions

The driver or owner of the vehicle must be interested in ensuring that everything in his documents is correct. If the owner changes, the insurance is not canceled, but the policyholder, not the owner of the vehicle, must contact the insurance company.

Therefore, when buying a car, it is better to immediately make changes to the policy (will there be a fine if the driver is not included in the policy?), while there is no need to buy new insurance and no additional costs are required, except temporary ones.

If a driver's license has been replaced, but the owner has not changed, then you need to collect a package of documents and go to the insurance company.

There you fill out an application for changes to the policy.

The manager enters new owner data in the old policy in the special notes column.

Deadlines and costs

As for the deadlines, there are no requirements when changing driver’s license data. If there is a change of owner, then after state registration there is a period of 3 days, which is intended to notify the insurance company about this and making changes.

Insurance companies usually do this at no additional cost to the vehicle owner. But in some cases they may be required to pay a certain amount.

Conclusion

OSAGO insurance is a guarantee for the driver, his protection, liability insurance in the event of an insured event. Timely contacting the insurance company when replacing a driver’s license is an action in the interests of the policyholder himself.

Insurance companies may refuse to pay if there is no notification of this in case of an accident , but then the policyholder may go to court, since nowhere in the laws does it state that the policy is terminated in such situations or the insurer may refuse to pay.