Including other persons in the MTPL insurance

How to add another driver to your insurance: how to add a person to your MTPL policy

Situations often arise when a car owner needs to provide the vehicle to his wife, relative or other third party. The transfer of a car for use will be illegal if the authorized person is not listed in the policy. You can add another driver to your MTPL insurance at any time; the main thing is to know the main nuances of this insurer’s service.

How is the second driver entered into the compulsory motor liability insurance?

Why do you need to add a new proxy to your car insurance policy? The current legislation of the country regulates that financial responsibility for damage to a vehicle in an accident lies with the insured company in which the compulsory motor liability insurance policy was issued. If the contract does not include the person driving the car at the time of the traffic accident, the policyholder simply will not pay monetary compensation to the car owner. In addition, law enforcement agencies provide for the imposition of an administrative fine for the absence of a second driver who is not included in the policy.

Is the insurance company ready to add a new driver to an existing MTPL policy? The answer is unequivocal - yes. Each insurer has a range of powers to provide such services; in addition, excess profit is always held in high esteem. When the vehicle owner expresses a desire, he should consult with a representative of the company where the car insurance policy was issued, and then submit a package of documents to make changes.

It is strictly forbidden to independently add the name of another authorized person; only an employee of the company providing auto insurance services has the authority. In addition to the refusal to pay compensation by the insurer in the event of an insured event, law enforcement agencies may charge the driver with criminal liability for a fake entry.

What documents are needed to register a person?

To add a new driver to the insurance contract, you should visit the office of the company where the compulsory motor liability insurance was previously issued and submit a package of documents to the policyholder. The package of documents includes only three official papers:

a valid compulsory car insurance policy;
passport of the citizen whose name will be included in the agreement;
citizen driver's license.

A company representative will offer the vehicle owner to submit an application for the new driver to the list of authorized persons. The application can also be written independently in any form and attached to the package of necessary documents, so the car owner will spend much less time visiting the company’s office.

If you are writing an application yourself, be sure to contact the company office and clarify whether special wording is required for filling out the official paper.

Despite the fact that the mandatory presence of the owner of the car and the MTPL policy during the driver registration procedure is not regulated by any legal act, the policyholder often obliges the insurer to do just that. If for some reason the applicant cannot come to the office, he must appoint a proxy. A citizen must be given a power of attorney to perform certain actions. The owner of an MTPL policy can issue a power of attorney to represent interests in the insurance company in any written form. But it is best to have the document certified by a notary; a certified document will prevent possible problems in the process of making a new entry. The authorized representative must have an identification document with him.

Procedure for making an entry

The car owner contacts the insurance company, the company's agent accepts the application, checks the submitted documents, and then makes the necessary changes to the database. The same entry is made in the compulsory car insurance policy. For the changes made to come into force, the agent must certify them with his signature and the company seal. Also, in practice, the insurance agent can simply print out a new compulsory insurance policy and seize the old one from the owner.

By law, the owner can add an unlimited number of trusted drivers to the insurance. It is unlawful for a representative of an insurance company to advocate for the purchase of an unlimited policy. However, if the driver has more than two people included in the contract, in terms of money, a policy without limiting trustees will be a more profitable option.

Will I have to pay for the service of issuing a power of attorney and changing the policy?

The main question that worries the owner of a vehicle when adding another driver to the MTPL agreement is whether the policyholder will have to pay for such a service and what the payment amount will be. Yes, you will have to pay to add another trustee to the policy and rights. Although most drivers believe that this is just a way for the insurance company to make money on additional services, this is not entirely true. The main reason for paying for the changes made lies in the increase in risks, which the policyholder will have to cover. The amount of payment for the provided service of adding another driver to the insurance varies depending on the age of the authorized person and his driving record during which there were no accidents.

Example: if the age of the registered person is more than 22 years old, and the accident-free experience is at least 3 years, most likely the insurance company will provide the vehicle owner with a good discount. In some cases, the discount can completely cover the cost of the risks.

However, you will have to forget about preferential conditions in the case when the driver being entered is a beginner. If his age does not exceed 22 years, he will have to pay for possible risks in full, since discounts do not apply to this category of citizens. The sizes of the MTPL coefficients depending on the age of the trustee and his accident-free record:

Age under 22 years, less than 3 years of experience - coefficient 1.7.
Age over 22 years, more than 3 years of experience - coefficient 1.5.
Age over 22 years, work experience less than 3 years - coefficient 1.3.
Age over 22 years, work experience more than 3 years - coefficient 1.0.

Discount percentage depending on the driver’s accident-free experience:

Insured for the first time - no discount provided
1 year – 5% discount.
2 years – 10% discount.
3 years – 15% discount.
4 years – 20% discount.
5 years – 25% discount.

Tariffing: how much does it cost to sign up for insurance?

Calculation table for how much the service of adding one more driver will cost:

Provision of insurance services

A company representative can provide insurance services not only at the head office or branch; for the convenience of clients, most insurers offer a home visit service. At a convenient time, the insurance agent will come to your home address or workplace and complete all the necessary documents. It will take no more than twenty minutes of free time, and the registration procedure will be completed successfully. This approach is practical and very convenient.

How to add another driver to your car insurance?

Making an entry about a new driver in a compulsory motor vehicle insurance policy is a simple and short-term procedure; any MTPL owner can use it, with the exception of a policy without restrictions. In some cases, insurance companies (for example, VSK insurance OSAGO) offer good discounts on this service, but in any case you will have to pay for making changes to the contract. See also information about electronic medical policy.

Penalty for a driver not included in the insurance: what if he is not included in the compulsory motor liability insurance?

Unlimited MTPL insurance for a car: pros and cons, which is better and cheaper

Transit OSAGO: online transit policy for 20 days

Conditional and unconditional deductible in insurance - what is it dynamic

How to add another driver to OSAGO?

The MTPL policy is issued for one year, and this period is convenient for most drivers.

But if the insurance is issued for a single driver, and there is a need to entrust your car to a family member or other trusted person, you need to reissue the policy.

Let's look at how to add another driver to your insurance . What is the cost of the procedure?

Cost of OSAGO

OSAGO policy is a document according to which the insurance company will assume part of the obligations to compensate the injured party for damage after an accident that occurred through your fault.

This transfer of part of the financial responsibility also applies to drivers who were included in the insurance policy.

You cannot make any changes to the policy yourself. All additions are made by insurance company specialists, who then certify the amendments with a signature and seal.

The cost of insurance is determined from the following data:

driver age;
driving experience;
KBM, which depends on the duration of accident-free driving.

The rest depends on the characteristics of the insured vehicle, the region of operation (regional coefficients affect the cost of compulsory motor liability insurance in the country).

The BMC (bonus-malus coefficient) of a beginner is equal to one . This means that a driver with this indicator pays the full cost of the insurance policy.

For each year of accident-free driving, a beginner will receive five percent, which will reduce the KBM. Maximum discount – 50%.

If an accident occurs due to the driver’s fault, and the injured party demands compensation from the insurance company, the BMR will increase again and will continue to grow if more than one accident occurs in a year.

The maximum KBM is 2.45. Those. the cost of insurance will increase almost 2.5 times.

But how much does it cost to add another driver to your insurance in 2019?

We calculate the cost

Let's calculate how the cost of the policy will increase if a novice driver is added to the MTPL policy.

The cost of the policy is calculated based on the cost of the MTPL policy for the motorist with the highest KBM and SWR (experience-age coefficient) out of the number of vehicles allowed to drive.

If a novice driver is included in the policy of a driver with five years of driving experience, who has not committed a single accident in his entire time, then his BMR will be 0.75, and the SWR will be 1. The BMR of the new driver will be equal to one, and the SWR will be high - 1, 8.

As an example: if the initial cost of the policy without a discount is 8,000 rubles, then the policy of an experienced driver is 6,000 rubles (the cost of the policy is multiplied by the SWR and KBM indicators).

For an inexperienced driver, the cost of the policy (8,000 rubles) is multiplied by the KBM and SWR. Total = 14,400 rubles (i.e. the additional payment was 8,400 rubles.)

We see that due to a novice driver, compulsory motor insurance doubles in price.

To calculate how much it costs to include in the insurance of a driver without experience during the insurance period, it is necessary to make an adjustment for the duration of the insurance period before its expiration.

The cost will be calculated based on the number of days remaining until the expiration of the insurance policy.

That is: the amount of additional payment of 8,400 rubles for a new driver is divided by 365 days, multiplied by the remaining days. If the validity period of the MTPL policy is from November 1, 2016 to October 31, 2017, and a new driver is added on July 1, 2017, there will be 122 days left until the expiration date of the policy. The additional payment will be: 2800 rubles.

How much does it cost to include a person with more than 3 years of experience in the insurance? If the driver is under 22 years old, the cost is recalculated and a coefficient of 1.6 is applied.

If older, then the increasing factor does not apply, and the cost will depend on the availability of a discount for accident-free driving.

If there were no accidents, the discount will be 15%. These percentage discounts help the car owner save on insurance.

We add one more driver to the policy

First, contact the office of your insurance company where you purchased your MTPL policy.

What documents are needed? Take with you:

policy;
passport;
driver's license for the new driver.

Sometimes they ask you to write a statement . Then they take an additional payment and give you a new policy form, which will contain information about the second driver.

Electronic policy

With electronic MTPL it is even easier to register a new driver . This can be done in your personal account on the official website of many insurance companies.

The policyholder enters the details of the new driver, and the system calculates the amount of the surcharge. Pay by card and receive a new electronic MTPL form by email.

Insurers are required to ensure the functionality of the MTPL sales system through their official websites . If there are technical problems, they must be corrected. Otherwise, the insurance company will face a fine of 300 thousand rubles.

It is not necessary to have OSAGO on printed form . You can simply print it on a printer.

Some traffic police inspectors sometimes do not accept a printed policy, but such actions are illegal. You do not have to pay a fine for not having the “original” policy.

Refer to paragraph 1 of Article 32 of the OSAGO law, which states that the motorist must have with him an OSAGO insurance policy or information printed on paper about the conclusion of an OSAGO agreement in the form of an electronic document and hand it over to a police officer for verification.

Advantages of an electronic policy:

It can be completed online in half an hour or less. There is no need to waste time on the road or in queues.
The insurer will not impose unnecessary additional services on you, threatening to refuse to issue you with compulsory motor liability insurance. Such actions are illegal, but they do occur.
You won't lose your accumulated accident-free driving credits. Your history will be stored in RSA, and all insurance companies have access to it. The cost is calculated automatically, and the representative will only check the information.
The policy can be printed on paper at home. If you lose it, you can always print a new one. But a regular policy has to be restored through the insurance company.
The driver does not need to carry with him many documents for the vehicle. All information is available in the RSA and AIS databases.

There are several ways to protect yourself from purchasing a fake electronic policy:

The cost of an MTPL insurance policy is regulated by the Central Bank of the Russian Federation. Therefore, the “motor citizen” cannot participate in the actions.
Do not forget to make sure that you are going to buy a policy on the official website of the insurance company. There are many one-page websites representing different insurers. They may be scammers.
Not all insurance companies sell electronic MTPL.

Video: How to add another driver to your car insurance?

Question answer

Is it possible to add a second driver to OSAGO later? Insurance applies only to people named in the policy. If your vehicle is driven by a driver whose details are not indicated in the policy, he will be ordered to pay a fine of 500 rubles. If he commits an accident, the other party will have to pay for the damage on his own; insurers will not cover the costs. This is a quick and simple procedure, it is better not to neglect it.
How many drivers can be included in the MTPL policy? There is no fixed quantity. As many people as required are added to the policy. If there are more than two drivers, it is better to purchase the “unlimited” option. This policy is suitable if the whole family uses the car.
Is it possible to add a second person to the insurance without his presence? Can. Only his documents will be needed. But most insurers require the presence of the car owner. If this is not possible, you need to draw up a power of attorney and have it notarized.

Changing the number of persons allowed to drive a vehicle is a standard and simple procedure. Its rules are clearly stated in the law.

The cost is calculated by an employee of the insurance company and depends on the driving experience of the new driver, accident-free driving records and other data. For an MTPL policy for a second novice driver, you often have to pay a considerable amount extra. The cost may double.

If you want to entrust your car to a family member, a new company employee, or a friend, there is no need to wait until your current MTPL policy expires.

It is enough to allocate a couple of hours of your time and come to the office of the insurance company with documents. You can also issue an electronic MTPL policy, which has the same legal force as a paper one.

How much does it cost to include a driver in MTPL insurance?

Price of the second driver in the policy

Limited insurance is cheaper, but it introduces, excuse the tautology, a number of restrictions, one of which is the need to add a new person to be able to drive a car and avoid a fine. How much it costs to include a new driver in the MTPL insurance for 2019 - whether he has experience or not, depends on the coefficients used when calculating the policy, sometimes it is completely free. But let’s figure out the order of this calculation!

How many drivers can I sign up for free?

The procedure for adding a new person to OSAGO is free. Moreover, the number of people entered is not limited. Even though there is a limited number of fields in the policy for drivers, the legislation does not impose limits on the number of persons allowed to drive. If the insurance company complains that they have nowhere to add a person to the insurance, that’s their problem (in practice, they write it on the back of the policy).

Cost of adding a person

So, the procedure for adding to the policy itself is free, and the price of a new driver in the auto insurance is influenced by the coefficients used in calculating the cost. They can be increasing (more than one) and decreasing (less than one).

The cost of the policy varies depending on the coefficients, and they are applied to the base tariff, which for 2019 ranges from 2,746 to 4,942 rubles (for passenger cars of category B). Your current insurance is already calculated using these factors. All that remains is to understand how the calculation will change when a person is registered, and this depends on his experience, age and KBM.

The following coefficients are involved in the price of an MTPL policy - let’s present them in the form of a table and indicate whether each of them affects the cost of insurance specifically when adding a new person.

All these coefficients influence differently. Let's look at exactly how!

How to calculate the price of driver registration?

So, we already know how much our OSAGO policy costs. This cost is made up of the base rate and odds. Important! Your insurance is calculated based on each driver's worst-case odds (even if they are different).

For example, if 2 people are included in the insurance: aged 25 years and 35 years and with experience of 7 years and 1 year, respectively, then the calculation will be based on the minimum age and minimum experience. However, age and experience are actually one factor; both parameters work in pairs. How exactly, we will clarify below!

We need to understand what parameters are being added to MTPL. If all of his coefficients are higher or equal to the coefficients of already added people, then adding such a driver to the insurance will be absolutely free. Also, the price is not affected by the period for which you sign up a person - be it for a month or for the whole year.

Let's look at how the price of insurance is affected by the included driver, depending on each of the 2 coefficients we need!

Age and experience of the new driver

There are 56 values for this parameter after recent changes.

As you can see, the younger the added driver and the less experience he has, the more expensive it will be for us to add him. For beginners without experience, as a rule, it turns out to be very expensive to add (sometimes almost 2 times more expensive than the original cost of insurance).

It is important to know that the cost of adding will not depend on the insurer - it will be the same in different insurance companies, be it Rosgosstrakh, Reso, SOGAZ, VSK, Alfastrakhovanie, Ingosstrakh or another - even a little-known company. There is a basic rate for everyone, period.

But let's look at examples!

Example No. 1: we enter a driver with experience

Given : 2 people are included in the current insurance: 21 years old and 1 year of experience, 25 years of age and 3 years of experience. The cost of the policy was initially 6,000 rubles (the maximum coefficient of 1.8 was applied).

Required : add a driver with 15 years of experience and 30 years of age to the MTPL insurance.

How much will it cost : free (with the same or better KBM), since the new person being entered is with experience, a coefficient of 1 will be applied to him, and the policy will be calculated according to the worst driver - that is, a 21-year-old with 1 year of experience.

Example No. 2: we enter a newcomer without experience

Given : 1 person is included in the current policy: his age is 26 years, and his length of service is 5 years (coefficient 1). The initial price of insurance is 6,000 rubles.

Required : include a young novice driver aged 18 years and zero experience in the insurance.

How much will it cost : a coefficient of 1.87 will be applied to the second person - the highest. Therefore, it will be expensive to include it. But it would be a misconception to expect that it is exactly 87% more expensive. The fact is that the calculation is cumulative - the coefficients are applied to the base rate one by one. First territorial, then KBM, then age and length of service, and then the rest. That is, the calculation is not rigid.

In our case, the cost of such a policy with a newly registered novice driver without experience will cost about 3500-4500 rubles. But this is not the biggest price, because KBM is applied before age and length of service, so it has a greater influence on the final calculation. With a different initial insurance price and the same coefficients indicated by us, you can calculate the cost as a percentage.

Driver accident-free

As we have already noted, the bonus-malus coefficient has a much greater impact on the cost of enrolling a person in auto insurance. Thus, a driver with the maximum KBM rate may cost you 2(!) times more than the original price of OSAGO. It's creepy, but it's a fact!

The fact is that the range of bonus-malus bets is from 0.5 to 2.45. You can read more about the rates and how much the policy becomes more expensive after an accident where you are at fault in a special article about increasing the CBM. You can also check your KBM and the registered driver according to our instructions. KBM is also included in the policy when it is sold (similar to age and length of service, the worst coefficient is taken into account).

Example No. 1: we enter the worst culprit of the accident

And we will start with the most disgusting example with the maximum price for adding a driver.

Given : the initial cost of the policy is 2800 rubles - everything is at the minimum: registered with experience with a low-power car and a minimum KBM of 0.5.

Required : enter a young novice driver with no experience who has had 4 accidents in the last 2 years (insurance period) up to 2019 (maximum KBM rate - 2.45)

How much will it cost : insurance with such a person will cost 9 times more, as much as 25,000(!) rubles. This happened because first the base rate with the region coefficient applied to it, when the CBM was applied to the amount, was multiplied by almost 5 (the CBM was 0.5, became 2.45), then the resulting amount was multiplied by another 1.8, and then to other coefficients, which simply increased the difference in the final amount.

Example No. 2: enter an accident-free driver

Given : the initial price of car insurance is 10,000 rubles, 2 people are entered with an experience of 2 years and 5 years and ages 23 years and 33 years, respectively, the KBM for the first is 1, for the second is 0.85 (3 years of accident-free behavior).

Required : include in the MTPL insurance a driver who has had no accidents in recent years with a KBM of 0.6, but is 22 years old and has 2 years of experience.

How much will it cost : it would be a mistake to assume that it is free, based, albeit on a lower age, but a larger KBM. As we already mentioned, the worst parameter of each face is considered.

In fact, the cost of the policy will go up a little - that is, it will be paid to enter it, since the difference in the calculations of the initial and final (with the included accident-free) insurance will be as follows:

initial coefficients: 1.7 (age over 23, experience less than 3 years), 1 (worst KBM);
final: 1.8 (a novice driver has less than 3 years of experience or no experience at all), 1 (KBM is still considered the worst).

In this example, adding a new driver will cost about 2 thousand rubles.

How to add a driver to the policy?

Under no circumstances should you do this on your own. The policy form will be declared invalid, and you will not be able to do this, since when applying for insurance, a dash is placed in the empty lines of the table of registered drivers.

In order to include a driver in insurance, in 2019 you will have to visit the office of the insurance company. This must be done by the policyholder (the one who is indicated in the corresponding column of the MTPL policy and who insured the car, not to be confused with the owner - these can be different persons) together with the person being added (second, third, and so on).

The first one needs to have a passport with him, the second one needs a driver’s license.

Enter into OSAGO

In life, a situation often arises when the owner of a car needs to temporarily transfer the right to drive the car to another person. Such a need may arise on an ongoing basis, for example, in the case when a father gives his car to his son or friend for use, or a businessman or company gives the car to a hired employee for use.

Many people regularly have the desire or need to regularly give the vehicle to another person, for example, a friend or wife, to perform some one-time tasks.

However, this can only be done in accordance with the rules established by law. And to fulfill them, it is not enough for the person to whom control is transferred to have only a driver’s license. The person must be included in a special document - a policy; in everyday life it is often called OSAGO insurance.

This is an insurance contract that is concluded by the owner of the vehicle on the one hand - the policyholder and the insurance company - the insurer on the other. According to the terms of insurance, in the event of an accident, the victim is paid the amount of compensation for damage caused by his fault for the culprit of the incident. However, if the terms of the insurance contract do not indicate persons other than the owner, in the event of an accident due to their fault, they are liable with their personal money. To prevent such a nuisance from happening, the person must be included in the insurance.

This is not difficult to do, but there are some features.

How to add another driver to OSAGO

Usually, when a person buys a new or used car, he takes out a compulsory motor liability insurance policy as soon as possible, and often he already knows how many people will use the car: one or several.

The algorithm of actions is extremely simple.

Find a suitable insurance company.
Prepare all documents required by law and come to the insurer's office.
Provide the insurance company agent with all the necessary information about yourself and the persons who become subjects of insurance liability, along with or without the owner.
Pay the amount established by the tariffs.
Get an MTPL policy.

Note: Some insurers will not make changes to the policy without the personal presence of the person who will be included in the document. Such cases are very rare in practice, but they still occur. You should check with your insurance company representative in advance about the need for such presence.

Thus, the procedure for adding another driver to the policy is very simple.

It is possible to issue a policy using an online electronic system.

It is worth remembering that the person driving the vehicle must always have the received copy of the policy. This document is very often asked by traffic police inspectors during various checks, and in its absence, serious administrative sanctions will be imposed on the driver.

Documents for registration of a new driver in OSAGO

Before you go to the insurer to add another person to the list of insured persons, you need to collect all the necessary papers. At the first contact, the insurance representative will make copies of them and enter the information into the electronic database. Therefore, when applying for insurance for the same driver, in the future, such documents, most likely, will no longer be necessary.

So the list looks like this.

Certificate of registration of the vehicle with the traffic police. This is a document that confirms the rights of the owner. Typically, only the person with this right can be the policyholder. With some exceptions. In a number of cases, when a car is used on the basis of the right of operational management or on another basis of ownership that does not imply the transfer of ownership, the person who owns it is obliged to provide a corresponding agreement along with the certificate.
Driver license. The owner provides the original driver's license. At the same time, he provides a valid driver's license for all persons whose liability is planned to be insured.
Passport or other identification document. This is necessary to correctly identify the applicant.

The procedure for making changes to OSAGO

In practice, a situation often arises when it is necessary to make changes to compulsory motor liability insurance. Including, if necessary, adding a citizen to a policy whose term will not expire soon. Simply make an appointment with the insurance company and express your desire to make such changes.

Previously, changes related to the addition of an insured person were formalized by simply writing the last name, first name, and initials into the policy with a ballpoint pen. Then all this was certified by the insurance employee’s signature and seal.

Currently, when applying for such a change, the owner is issued a completely new document, with a new number and series and the names, surnames, and patronymics of all users of the machine printed on the printer. Within 5 days, the insurer makes changes to the general database.

When contacting the insurance company for such changes, it is worth clarifying whether the original documents need to be provided again. In very rare cases this may be required.

Most changes are made free of charge. For example, changing the driver’s license details, changing the surname of the policyholder and drivers.

It is important to consider that adding a new driver may involve additional payment if his age, driving experience and other characteristics that increase the insured risk of getting into an accident are worse than those of those drivers who were previously included in the insurance.

How much does it cost to enroll a new driver in OSAGO?

To calculate the exact cost of compulsory motor liability insurance, the easiest way is to use the portal of the Russian Union of Auto Insurers. It contains an automatic compulsory motor vehicle insurance cost calculator. The user just needs to enter the necessary data about the drivers, including age, length of service, as well as about the car, such as engine power and age of the car.

In order to find out for yourself how the amount of the insurance premium is determined, you need to use a special regulatory act, namely Directive of the Bank of Russia dated September 19, 2014 N 3384-U, which currently establishes the current requirements for calculating tariffs, including the sizes of existing coefficients

However, this is a very labor-intensive process due to the need to take into account many coefficients that need to be taken into account in the calculations, so it is faster and more convenient to use the Internet site.

On average, insurance for a passenger car with a capacity of 100-150 hp. middle-aged, one of the insured persons, according to which a young man with little or no driving experience may cost 8-10 thousand rubles.

There is an alternative insurance option in which there is no need to enroll a new driver. Anyone can use it to legally drive a vehicle. This is the so-called MTPL policy that is unlimited in scope of persons. Such a policy usually costs twice as much as usual and you will have to pay an average of at least 15 thousand rubles for it. However, such a policy will eliminate the need to spend time each time adding a new driver or, if there is a frequent need to transfer control to different persons for a short period of time.

When applying for such a policy, you need to be attentive to the form. The differences between a policy with a limited number of insured persons and an unlimited number of insured persons are small but significant.

Adding a new driver to the MTPL insurance policy

According to the law of the Russian Federation “On the acquisition of vehicles”, after purchasing any vehicle, the driver is required to purchase an MTPL policy. Otherwise, any damage caused to the car during an accident is paid not by the insurance company, but by the person who is at fault for the accident. Not only is vehicle insurance required by law, but it is also a great way to save money when expensive vehicles are damaged.

Often, after taking out an insurance policy for a car, the car owner begins to become interested in the issue of adding a close relative or other person to the compulsory motor liability insurance policy. He consults with insurance company specialists and decides how to add another driver to the insurance.

The process of adding an additional person to OSAGO

The process of adding one or more persons to an MTPL policy often puzzles many car owners. To avoid wasted nerves and unnecessary expenses, you should adhere to the following instructions:

Only the car owner and the insured of the car can add a “new driver” to the insurance policy. When the owner of the car is not the policyholder, he does not have the legal right to include another person in the insurance, in other words, if the owner and the policyholder are different people, then both are needed to complete this procedure.
The owner of the car must take out the currently valid insurance and provide it to an employee of the insurance company where this model of compulsory motor liability insurance was purchased.
Adding a second driver to car insurance is carried out in the personal presence of the car insured (as mentioned above, this does not have to be the owner of the vehicle) and the second driver. Some insurance companies carry out this procedure using only the driver's license of the registered driver (that is, his personal presence is not required).
Mandatory documents for this procedure include the car owner's passport, insurance policy, driver's license of the second driver, as well as all documents for the car (the last condition applies only to certain insurance organizations).
It is currently impossible to manually add additional persons to the policy, therefore, when adding one or more drivers to OSAGO, you must go through the entire insurance registration process again and receive a policy with a new number.

From the moment the car owner receives a new copy of insurance, the second driver has the right to legally drive the car.

It is worth noting such an important point as the validity period of the insurance policy when adding a new driver - the insurance period of the previously issued compulsory motor third party liability insurance contract continues to apply.

Do I need to add a new driver to the policy?

It’s clear how to add another driver to your insurance, but is it necessary? Should family members with personal cars be added to the MTPL policy? What if the vehicle owner becomes ill during a long trip? In such cases, it may be necessary to drive a car by an unauthorized person, without violating Russian legislation and without fear of traffic police checks. It is worth noting that expanding the number of people who have the right to drive a particular car increases the safety of the driver’s life and gives complete freedom of movement.

To add close relatives to the insurance policy, you must present a photocopy of their driver’s license if the company does not require the personal presence of a second driver. Often, vehicle owners present the original driver's license of the “new driver” to have a photocopy made directly at the insurance company branch.

The need to include a third party in your car insurance most often arises among drivers of special categories of vehicles: trucks, buses, dump trucks, flatbed trucks with manipulators, as well as vehicles intended for passenger transportation.

How much will it cost to add one or more drivers to your insurance policy?

How much does it cost to include in driver's insurance? This question concerns many insurers of public transport, passenger cars and similar vehicles. This question is also relevant for the average car owner who wants to include his close relatives in OSAGO.

The Insurance Law states that the price for including a second driver in vehicle insurance should be the same for all insurance companies. However, there are small caveats:

If the driving experience of the “second driver” is equal to the driving experience of the car owner, then the cost of the updated insurance policy does not increase (the rule applies to all insurance organizations providing this service).
If a less experienced motorist acts as a “second driver,” then the cost of insurance increases by a clearly established amount, since the risk of an accident increases.
If the driving experience of the car owner is less than the driving experience of the “new driver”, then no additional payment will be required.

The increase in the cost of compulsory motor liability insurance when adding a second driver with little driving experience is associated with the possibility of non-compliance by an inexperienced driver with traffic rules, which in turn can lead to serious accidents.

Whether or not to include an unauthorized person in your car insurance

Often a novice driver who has just graduated from driving school does not have his own vehicle. But to gain experience, he needs practice. Is it necessary to include an inexperienced driver in your car insurance? This and many other questions arise for car owners whose close relative recently graduated from a driving school.

For example, a son has just received a driver's license, and he does not have enough money to buy his own vehicle, then the father decides to register him as a “second driver” in the insurance policy. Today, there are three types of cases of adding a third party to car insurance.

One of the spouses recently graduated from a driving school

The husband, who has extensive experience of accident-free driving, does not want to include his wife in the car insurance, since she only recently received a driver's license. The husband is afraid to trust his wife with his car, because she has little driving experience and could get into a traffic accident. Also, the reluctance of the car owner is due to the fact that in 3-4 years adding a “new driver” to the insurance card will cost much less than it does now.

Of course, you can understand the spouse, because when adding a “new driver” to the insurance policy, he will lose a very significant discount (up to fifty percent). Therefore, he simply invites his wife to practice driving outside the city. But in 3-4 years, when it will be possible to add it to the policy cheaper, the spouse may completely lose her driving skills.

Parents gave a vehicle to an adult child

Parents give their adult child a vehicle after they receive a driver’s license, after which they go with their child to a specialized organization to obtain auto insurance. Of course, the price of insurance will be quite high, but an inexperienced driver in the future will receive his own insurance record and a fifteen percent discount on insurance after three years.

One or more close relatives of the car owner simultaneously received a driver's license - the car owner refuses to issue an insurance policy for the whole family

This kind of situation often arises when you have an expensive vehicle. To solve such a situation, the policyholder can take out open insurance.

Open insurance

Before you take out open car insurance (vehicle insurance without limiting the number of people who have the right to drive a particular car), you should carefully study this kind of offer.

expedited registration of an insurance policy;
Any person with a driver's license can drive a car;
reducing hassle when obtaining insurance.

an increase in the price of obtaining an insurance policy by more than five thousand rubles compared to a standard copy;
insurance period is not accrued;
no discounts apply.