Replacement of compulsory motor liability insurance when 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:

1. Identification.
2. Vehicle registration certificate.
3. An application of a certain sample, which must be provided by an employee of the insurance company.
4. A valid MTPL agreement, which is in the hands of the driver.
5. 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:

1. 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.
2. Replacement of driver's license.
3. If the period of use of the machine changes. You must notify before the deadline.
4. 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:

1. Come to the office of the insurance company with your new license.
2. If necessary, ask the employees for a sample of the relevant application.
3. Fill out an application, where you must indicate the new number and series of your driver’s license.
4. 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.

Is it necessary to change the OSAGO policy when replacing a driver’s license?

A driver's license needs to be replaced every 10 years when the document expires. But having changed the license, the question immediately arises: is it necessary to change the MTPL policy when replacing a driver’s license or not? Today we will look into this issue.

Should I change my MTPL policy?

During the period of validity of the insurance policy, liability extends to both the insurer and the policyholder. The former, in the event of an accident due to the fault of the driver, are obliged to make payments, and the latter must, in case of changes in the data specified when purchasing the policy, provide the changes to the insurance company.

When replacing a driver's license, the policy will indicate the series and number of the old driver's license, and this, in turn, may be the reason that the insurance company will not make insurance payments to you on the basis that new information has not been provided; compulsory motor liability insurance will simply be declared invalid.

In addition, if you do not inform about the changes, then you will not be extended such a coefficient as Bonus-Malus, which is reducing. Consequently, from the next year of using the policy, you will be assigned the novice level, due to the fact that you were too lazy to contact the insurance company.

Based on this, we can conclude that there is no need to change the compulsory car insurance contract itself, but the driver must report all changed data.

When to notify the insurance company

Most drivers ask questions on forums related to the topic of car insurance, one of which is the following: is it necessary to make changes to the MTPL insurance when changing rights?

Now we will tell you in what situations the driver must notify his insurance company in order to make changes to the policy.

Changing the list of persons allowed to drive a vehicle. This is done exclusively before handing over the steering wheel to a driver who is not included in the MTPL.

Replacement of driver's license.

Changing the period of use of the vehicle. Notification must be made before the expiration date.

If the vehicle was registered after the purchase of compulsory motor liability insurance, then when the numbers are assigned, the data must be provided to the insurer within 3 working days.

Also, there are situations in which changes are not allowed:

You cannot change the car. Each vehicle has its own MTPL policy.

The insurance period cannot be changed. By law, the policy is issued for one year (only the period of use of the vehicle can be changed), which means that in the event of the sale of the car or other situations, the contract is simply terminated.

Change the policyholder. If you sell a vehicle, you will not be able to transfer the policy to another person.

All changes to the car insurance policy are made on the day of application. The insurer makes a corresponding entry in the “Special notes” field, as well as the time and date of their entry, and then certifies the entry with a seal.

If the changes made require reissuance of the policy, the period is extended to two working days from the date of application.

And within five working days from the date of amendments, the insurer enters all amendments into the unified RSA database.

Upon receipt from the insured of an application to change the information specified in the application for concluding a compulsory insurance contract and (or) presented when concluding a compulsory insurance contract, the insurer has the right to demand payment of an additional insurance premium in proportion to the increase in the degree of risk based on the insurance rates for compulsory insurance in force on the day payment of an additional insurance premium, and upon payment thereof is obliged to make changes to the compulsory insurance policy.

Changes to the compulsory insurance policy are recorded by making an appropriate entry in the “Special Notes” section indicating the date and time of the changes and certifying the changes with the signature of the insurer’s representative and the insurer’s seal or by issuing a reissued (new) compulsory insurance policy within two working days from the date of return by the policyholder of the previously issued insurance policy. The compulsory insurance policy returned by the policyholder is stored by the insurer along with the second copy of the reissued insurance policy. On the original and reissued compulsory insurance policies, a reissue mark is made indicating the date of reissue and the unique numbers of the original and reissued compulsory insurance policies.

Changes to the insurance policy, issued in the form of an electronic document in the manner prescribed by paragraph 1.11 of these Rules, can be made electronically or by re-issuing a compulsory insurance policy on paper. In the latter case, the policyholder is issued a reissued (new) compulsory insurance policy on paper.

The insurer enters into the automated compulsory insurance information system information about changes in the information specified by the policyholder in the application for concluding a compulsory insurance contract and (or) presented when concluding a compulsory insurance contract no later than five working days from the date of amendments to the compulsory insurance insurance policy.

“Regulations on the rules of compulsory civil liability insurance of vehicle owners” (approved by the Bank of Russia on September 19, 2014 N 431-P).

As for the surcharge for making changes, most amendments are made free of charge, however, if the degree of risk increases, for example, the driver being entered has little driving experience, then the insurer has the right to demand an surcharge in accordance with the current tariffs, taking into account the remaining period of the policy.

OSAGO when issuing a new driver's license

Among the documents used to obtain compulsory motor liability insurance is a driver’s license. But from time to time the rights have to be changed. And along with this, their number also changes. According to the agreement with the insurance company, the policy owner is obliged to notify the insurer of the replacement of the VA as soon as possible. However, not all drivers fully understand whether they will need to change their compulsory motor liability insurance policy. This issue is discussed in more detail below.

Law on changing the MTPL policy when replacing rights

First, you need to understand what the law says about cases of replacement of an insurance policy. After all, the new driver’s license indicates the number of the old license. That is, when checking insurance, problems with traffic police officers should, in theory, not arise.

The Federal Law “On Compulsory Motor Liability Insurance” states that 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). That is, the replacement of a driver’s license is not in itself a reason for terminating the MTPL insurance contract. The federal law also does not say that in this situation it is mandatory to change the policy.

Do changes need to be made?

A valid insurance policy obliges the insurer, in the event of an accident due to the fault of the driver, to make the necessary payments. However, the policyholder also has some obligations to the insurer. Moreover, the main one is timely notification of changes in the data entered into the compulsory motor liability insurance. If the document does not indicate the number of the new driver's license, the insurance may be invalidated. That is, in the event of an accident, all costs will fall on 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.

When should you notify your insurance company?

In addition to replacing your driver's license, there are other cases when you need to notify the insurance company.

• After registering the vehicle (if insurance was issued earlier), the car owner has 3 days to notify the insurance company about this.
• When changing the period of use of the vehicle.

The procedure will be the same as with the VU. First, the necessary marks will be made on the MTPL policy, and then the information will be entered into a single database (the procedure is discussed in more detail below).

According to the rules, there are several insurance items that cannot be changed.

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

So, after replacing your driver’s license, you must contact the office of the insurance company (the same one where the compulsory motor liability insurance was issued) as soon as possible.

You will need to take the following documents with you:

1. passport;
2. vehicle registration certificate;
3. new driver's license;
4. 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.

Usually, making changes to the MTPL policy after changing rights is free of charge. However, in some cases (for example, the document holder has little driving experience), the insurer may require compensation. Its size depends on the tariffs of a particular insurance company, KBM, as well as on the remaining validity period of the policy.

Only the policyholder himself or a person who has a notarized power of attorney can make changes to the compulsory motor liability insurance policy. However, it will not be possible to carry out the procedure via the Internet: you must be personally present at the office of the insurance company.

If MTPL insurance was issued online, then changes when replacing a driver’s license are made electronically. It is also possible to reissue the policy on paper.

In what cases is it necessary to re-conclude compulsory motor liability insurance?

As mentioned above, it is not always permissible to make changes to the current MTPL insurance policy. Of course, after receiving a new driver’s license, no problems arise: the necessary information is recorded in the “Special Notes”. However, in a number of situations it may be necessary to obtain a duplicate document.

• Lost form . If the insurance policy was mechanically damaged, stolen or lost, you should urgently contact the insurance company for a duplicate. Loss of insurance is equivalent to its complete absence. This means that the driver can not only receive a fine of 800 rubles, but will also be required to compensate for damage if he becomes the culprit of an accident.
• Change of passport data. Unlike the VU, when making changes to your passport, you must obtain a new insurance form.
• Adding a new driver to your insurance. In this case, you will also need to update your MTPL policy.

When you first contact the insurance company, a duplicate is always issued free of charge. From the second onwards you will need to pay about 300-400 rubles.

How to return KBM under compulsory motor liability insurance when replacing rights?

Drivers who did not cause an accident can save a little on insurance. To track the history of the insurance owner, there is a KBM. For accident-free driving, drivers annually receive a 5% discount from the insurer. Thus, you can accumulate up to 50% under this program.

After the increase in insurance costs, more and more people are paying attention to the bonus-malus ratio. But after changing your driver’s license or in a number of other cases, the MTPL may be reset to zero. That is, the policy owner receives the entry level and loses the discount. In such a situation, it is possible and even necessary to restore the lost coefficient.

First you need to contact your insurance company. You can come to both the old and the current insurance company, regardless of at what stage the KBM was lost (the indicator remains the same when changing the insurer). In the case of a change of host name, tracking the coefficient will not be difficult. Usually, the insurer restores the CBM as soon as possible.

In addition to personal contact, you can make a request through a special form on the insurance company’s website and via email. It is also possible to send a regular letter.

Currently, the government is closely monitoring the actions of insurance companies. Largely because of this, they try to immediately respond to citizens’ requests. But, if there is no response from the insurer within 30 days, you can write a request to higher authorities: the Central Bank of the Russian Federation and the Russian Union of Auto Insurers (RUA).

Do I need to change my MTPL policy when changing my driver's license in 2019? Legal advice

Those drivers who are faced with changing their driver’s license for the first time in their lives are asking the question: “When changing a license, do you need to change your insurance?” In this case, we can talk about both the MTPL policy and the CASCO policy. The answer to this question will be the following provision of the law: the driver (aka the policyholder) is obliged to notify the insurance company (aka the insurer) about the change of driver's license (DP). This is due to the fact that the new rights have completely different details. Otherwise, in the event of an insured event (traffic accident), the insurer may invalidate the policy.

As for the direct replacement of the policy itself, at the discretion of the insurer, the policy can be replaced with another form completely free of charge, or changes can be made to the current insurance with the help of an additional entry with the blue seal of the company and the signature of the employee. In addition, you need to take into account the fact that regardless of the form of purchasing the policy (in person at the office of the insurance company or online purchase), changes must be made with the direct participation of the policyholder (or his representative by proxy) at the insurer’s office upon written application. You can also use the services of the Russian Post to send the application in the form of a paper letter with acknowledgment of receipt. It is almost impossible to make changes online on the insurer’s website through the policyholder’s personal account.

Regulatory framework

A driver's license issued by the State Traffic Safety Inspectorate has a validity period of 10 (ten) years . However, there are life circumstances when a driver is forced to replace his driving license before it expires. The reason may be the loss of a document, its theft, physical damage or wear and tear, as well as a change in personal data (last name, first name, gender, etc.). In addition, few holders of a driving license know that a driver’s license can be replaced at their own request without announcing reasons at any time. To do this, just contact the department of the State Traffic Inspectorate, write an application for a replacement document and pay the state fee.

Replacement of rights and OSAGO policy

“ Do I need to change insurance when replacing my license? “- the drivers ask. They are also interested in the timing of changes, in order to avoid penalties or other unpleasant consequences. And if drivers have not previously encountered such a bureaucratic issue called “how to make changes to the MTPL policy,” it is difficult for them to imagine an algorithm for their own actions. In addition, the situation is aggravated by confusion with paper and electronic policies, namely:

• how to make changes to one or another type of document;
• how to make changes to a policy purchased online;
• Is it possible to make changes to a paper policy using the insurance company’s Internet resource;
• Is it possible to make changes to the electronic policy using the insurance company’s Internet resource;
• what to do if there is no office or representative office of the insurer in the city?

When to make changes?

The law regulating all issues regarding compulsory motor third party liability insurance contains a phrase about the obligation of the policyholder to inform the insurer about all changes in the information specified when concluding the MTPL policy. Thus, the following list of situations is formed when it is necessary to make changes to the current policy:

• replacement of the driver's license of any of the drivers included in the insurance;
• changing the circle of drivers included in the policy (adding new drivers);
• change of owner of the car, with the same list of persons allowed to drive this vehicle, and the same policyholder;
• replacement of state vehicle signs;
• insurance has been transferred to the status “without restrictions”;
• the period of use of the vehicle has changed within the policy period (1 year);
• if errors or typos are found in the policy.

Insurer notification periods

According to the current rules and regulations of OSAGO, there is no clear deadline for notifying the insurer. Paragraph 8 of Article 15 of the Law “On Compulsory Motor Liability Insurance” specifies the form for submitting a notification (in writing) and the phrase “immediate notification.” However, there is no clarification as to what specific period of time can be counted as “immediate”.

However, based on legal and judicial practice, you need to understand that it is necessary to make changes to the policy as quickly as possible, provided that this driver regularly uses vehicles. Since in the event of an accident, the insurer may try to refuse to pay insurance compensation precisely because of data inconsistencies. And life practice says that Murphy’s laws work precisely when you are vulnerable, and you did not quickly make changes to the policy. Therefore, lawyers advise understanding the word “immediately” as “on the same day as you received the new driver’s license” or “do not drive until you make changes to the compulsory motor liability insurance policy.” Although the refusal to pay insurance compensation will not be legal and it can be challenged in pre-trial proceedings.

The procedure for making changes to the OSAGO policy

The algorithm for amending the compulsory motor third party liability insurance contract is as follows:

• According to the law, changes can be made by the policyholder for himself and other parties to the contract. However, as practice shows, the entire circle of participants in the compulsory motor liability insurance agreement can make changes for themselves. To do this, you need to provide a valid policy, your passport, a new driver’s license, vehicle registration certificate and, at the request of an insurance company employee, a valid diagnostic card. If changes are made by a third party who is not a party to the contract, then a power of attorney executed by a notary on behalf of the policyholder will be required from him;
• changes are made at the insurer's office. If the insurance company that issued the policy does not have an office in your locality, you need to contact the company by phone and find out the address and name of their representatives. As a rule, this is a large insurance company. You can also notify the insurer using a registered letter with notification by Russian post;
• upon arrival at the office of the insurer or its representative, you must fill out an application for changes, where you must indicate the details of the new driver's license (series, number, date of issue, issuing authority). In practice, the insurer's employee fills out and prints out the application, and the policyholder only needs to sign it;
• if the contract form is readable, not damaged or is in satisfactory condition, then the MTPL policy will not be replaced when replacing a driver’s license. Changes are made to the policy in the “Special notes” field (on the back of the policy);
• if an employee of the insurance company refuses to make changes and insists on purchasing a new policy, this is unauthorized provided that the policy period is valid;
• according to the current MTPL Rules, the insurer has the right to charge an additional fee when making changes to the information that was provided by the policyholder at the time of concluding the contract;
• as a rule, changes are made directly during the visit of the policyholder or his representative and immediately come into force, even though changes in the PCA database will appear only within a week or five working days.

KBM when replacing a driver's license

The level of accident-free behavior of a driver during the year is directly reflected in the cost of the policy. The bonus-malus coefficient can either increase or decrease the price of the policy. Therefore, all drivers are concerned about maintaining the BM coefficient when changing their driver’s license. In many cases, the discount is not automatically saved. To maintain the discount, the personal will of the policyholder is required. To do this, you need to write an application to preserve the KBM at the same moment when you submit an application to make changes. The application is written in the name of the insurer, not RSA.

When else is it necessary to replace the policy?

So, we have already found out that the MTPL policy does not change when replacing a driver’s license, but changes are made to it. In this case, the replacement of the policy may occur for the following reasons:

• unsatisfactory condition of the policy form (wear, damage);
• theft, theft or loss of a document;
• due to a change in the personal data of the policyholder, the owner of the vehicle or any of the drivers included in the MTPL policy (passport data, gender, etc.).

Responsibility

Despite the fact that the current law “On Compulsory Motor Liability Insurance” stipulates the need for the policyholder to inform the insurance company about all changes in the information submitted at the time of concluding the contract, there is no liability for the violation. Drivers face no penalties, no legal refusal to claim damages in the event of an accident, no recourse from the insurer. Although in practice there are cases when insurance companies tried to refuse insurance payment or repair of vehicles after an accident due to incorrectly specified personal data, linking the driver’s license details to the personal data. It is illegal.

Certain difficulties may await the driver if he has not notified the insurance company about the change of driver's license when applying for the next electronic policy. The site may display an “uncorrectable error,” which will make it impossible to issue a policy using an online resource.

Conclusion

Many drivers who are faced with changing their driver’s license for the first time ask the question: “When changing a license, do I need to change insurance?” Answer: “When changing the driver’s license, you must notify the insurance company, and changes will be made to the policy.” Replacing the contract form may be necessary in the event of physical loss or wear and tear of the document, or in the event of a change in personal data that occurred on its own or in parallel with the replacement of a driver’s license. Based on the provisions of the law, a message to the insurance company is submitted in writing: directly at the office of the insurer or its representative office, as well as using a registered paper letter with acknowledgment of receipt from the Russian Post. For the same reason, it is almost impossible to formalize changes on the insurance company’s website. It is also advisable to submit a written application at the same time to maintain the accident-free rate.

In fact, the procedure is easy and simple and does not require much time. If you do not make changes to the policy, then this does not carry any risks associated with administrative liability and payments under compulsory motor liability insurance. However, a contract is a bilateral agreement in which the policyholder expects the insurer to fulfill all obligations, and the insurer, in turn, expects the policyholder to fulfill all obligations. Let's be mutually polite and fully comply with the terms of the auto insurance contract.

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: