Does the cost of compulsory motor insurance depend on the number of drivers?

What does the cost of compulsory motor insurance depend on?

What affects the cost of compulsory motor liability insurance if we consider the offers of different insurance companies? The final price is influenced by factors such as the age and experience of the driver , the presence of violations, vehicle and other indicators. Before you take out insurance, it is important to determine whether the cost of compulsory motor liability insurance depends on the number of drivers for one car.

What affects the cost of compulsory motor liability insurance?

What determines the cost of car insurance under MTPL ? To determine the exact indicator, it is not necessary to personally contact insurers. The procedure for calculating the cost of the policy is determined by Directive of the Central Bank of the Russian Federation 3604. Thanks to the general calculation , it is possible to determine the future payment as accurately as possible.

How to understand what determines the cost of compulsory motor insurance for a car ? The base rate must be taken into account. coefficients are added to it :

It becomes clear whether the cost of compulsory motor insurance depends on engine power . This is one of the fundamental coefficients, but there are other indicators that are added to the base rate.

Does the cost of compulsory motor insurance depend on the number of drivers?

What does MTPL insurance for a car, issued by an insurer, depend on? The total number of drivers and their characteristics, such as length of service and number of completed years, are taken into account. If a limited policy is issued, the owner of the car must enter the number of drivers allowed to drive. The following indicators are set:

Limited policy coefficient 1.
Unlimited policy, where drivers do not fit in – 1.8.

What is included in the cost of MTPL , including the number of admitted drivers? The procedure for adding each of them is free, and their number is not limited. If there are not enough columns in the policy, additional persons can be entered on the back of the form. First of all, the influence is exerted by KBM driver experience and age. For category B cars, the base tariff is 4118 rubles, to which the main coefficients are added. What determines the current amount of car insurance under MTPL? First of all, it is not the total number of drivers that is taken into account, but their performance. If 2 drivers the insurance , aged 42 and 19 years, the coefficient is calculated according to the youngest. It doesn't matter how long each person fits in.

To understand what the price of an MTPL policy depends on , you must be guided by the following parameters:

1.8 with experience up to 3 years, full years up to 22.
1.6 with more than 3 years of experience and under 22 years of age.
1 with 3 years of experience and 22 years of age.
1.8 if the driver is over 22 years old and has up to 3 years of experience.

Before you take out insurance , decide what the MTPL policy depends on . It is influenced by various parameters, such as the number of accidents , age and driving , and region of primary residence. Taking into account all these parameters, you can choose the most profitable offers on the car insurance market.

What affects the cost of compulsory motor insurance? Calculation formula

Since January 2017, owners of cars, trucks, and motorcycles who have an MTPL policy have been paying much more for the basic package of insurer services than before.

The current legislation of the Russian Federation requires every car owner to have an MTPL insurance policy.

It will not be possible to refuse to purchase a policy, so many drivers are interested in the question of what determines the cost of compulsory motor liability insurance in 2019.

Coefficients affecting cost calculation

Every car should have basic insurance. If the driver has not previously had the opportunity to buy a compulsory motor liability insurance policy, he should do so as soon as possible, since lack of insurance can result in a fine:

500 rubles if the vehicle is driven by a driver who is not included in the policy, as well as if civil liability is insured, but the policy is left at home;
800 rubles if the driver does not have MTPL at all.

Let's find out what affects the cost of compulsory motor insurance.

The cost of a specific insurance can be calculated using an online calculator. Typically, such calculators have the following fields:

type of vehicle - passenger car, truck, car with a trailer, motorcycle or scooter;
information about the number of drivers who have the right to drive a specific vehicle;
information about the driver’s age and driving experience;
a digital value that indicates the power of the car’s engine;
duration of the policy (if you take out a policy for a longer period, you can purchase it at a more favorable price);
information about previous insurances, if any;
region of operation (CT).

The procedure for calculating the cost of compulsory motor liability insurance is prescribed in the Directives of the Central Bank of the Russian Federation No. 604 dated March 20, 2015. The law establishes a unified methodology for calculating the cost of an insurance policy for all insurers.

The document also states that the insurer determines the base rate of the insurance tariff independently for each category of vehicle within the limits established by Appendix 1 to the Directive.

The basic tariff is set depending on the type of vehicle, the legal status of the car owner, and the purpose of using the vehicle. Special coefficients are also taken into account.

For example, individuals who own a passenger car used for non-commercial purposes are assigned a minimum base rate. For legal entities, under the same conditions, the base tariff will be higher.

Special coefficients are determined by the technical condition of the vehicle, age, and driving experience.

Each of the coefficients corresponds to a specific factor. Let's take a closer look at how compulsory motor liability insurance is calculated.

Vehicle power (KM)

How does car power affect the cost of the policy?

The power factor is set depending on the amount of horsepower in the engine.

Varies between 0.6-1.6. The minimum value is prescribed for cars with a power of 50 hp, for 150 hp. and more - maximum.

This order is explained by the fact that such cars are considered more dangerous for other road users than vehicles with a small amount of horsepower.

Place of registration (CT)

The region of registration of the car, the place of registration of the car owner or the place of registration of the company of a legal entity are taken into account.

The territorial coefficient is determined by the number of vehicles in a certain area, as well as the likelihood of an emergency.

Indicator limits: 0.6-2. The greatest likelihood of accidents is expected in cities with a population of more than a million and with a huge traffic flow: Moscow, St. Petersburg, Kazan and others.

The maximum coefficient is set at 2. The minimum (0.6) is applicable for sparsely populated areas.

If the insurance period expires while the driver is outside the region of his registration, this does not mean that the policy can be renewed only after returning home. Moreover, driving a vehicle without insurance is punishable by a fine.

The legislation provides for the issuance of an MTPL insurance policy in any region of the country, no matter which region the driver chooses for this.

But it is better to choose an insurance company with a representative office in the region where the car owner is registered.

Age, driving experience

The coefficient of these indicators is set taking into account the degree of risk that arises when driving a vehicle. The older and more experienced the driver, the lower the coefficient will be assigned to him.

The minimum value is 1.0. It is prescribed to car owners over 22 years of age and with a driving experience of more than three years. For younger drivers, the indicator will increase, depending on their driving experience, to 1.6-1.8.

If several people are eligible to drive the same vehicle, the coefficient will be determined by the driver with the least experience.

Number of drivers

The price of an MTPL policy also depends on the number of drivers . When applying for insurance, the car owner must note the number of people who are allowed to drive his vehicle.

If the car has one driver, you need to take out insurance with a limited number of drivers. The coefficient is 1. If the quantity is unlimited (if the car belongs to the carrier company), a coefficient of 1.8 is assigned.

An increase in the coefficient is associated with an increase in the risk of an insured event when the car is used by different persons.

Policy validity period (KS)

Validity period - the period for which the insurance contract is concluded . The standard validity period of the MTPL policy is 1 year. Minimum - 3 months.

If the driver stays in the Russian Federation for only a few days, insurance is issued for the corresponding period.

The shorter the insurance period, the more expensive the MTPL policy.

The maximum rate for three months is 0.5, for 9 months - 0.95. The minimum is one, set for a motor vehicle license for a period of 10 months.

The validity period can be extended for any number of months, up to a year.

Let's find out how the MTPL discount is calculated.

Coefficient for gross violations (CN)

Will apply if:

the contract is concluded or extended for a year;
the owner of the car has not changed;
in the presence of one of the following violations.

Violations that are taken into account for CN:

the insurance company was provided with false information that affected the cost of insurance;
intentional assistance in the occurrence of an insured event;
causing harm under circumstances that were the basis for a recourse claim against the one who caused the harm.

Always equals the value 1.5.

Bonus-Malus coefficient (CBM)

How does an accident affect the cost of compulsory motor liability insurance? The KBM parameter is intended to encourage accident-free driving (a discount is provided) or to punish those drivers through whose fault an accident occurred (the cost of the compulsory motor liability insurance policy increases).

Application of the table:

In the left column you need to find the corresponding class. If the contract is concluded for the first time, we choose the third class. Then the BMR is equal to one.
The number of insurance cases during the validity period of previous insurances in which the car owner was found guilty is determined. For beginners there are no accidents, you need to select “0”.
In the column with the number of losses, the class for the next year is determined. For beginners - 4. This class corresponds to a KBM value of 0.95. When renewing the MTPL contract, such drivers can count on a 5% discount.

If in the next year of insurance the motorist becomes the culprit of the accident, he will be assigned class 2, KBM 1.4. The price of insurance will increase.

After each year of accident-free driving, you need to go down one line. If there were accidents, you need to go to the line corresponding to the number of insurance payments. If there is no insurance for one year, the driver's class will be 3.

The discount accumulated over the years can be instantly lost if the driver causes an accident, and the victim demands monetary compensation from the culprit’s insurance company.

KBM is not taken into account when insuring trailers . The discount also does not apply if the MTPL agreement is concluded for a transit vehicle and for those vehicles whose owners are registered in a foreign country.

The maximum discount is 50%, which corresponds to a value of 0.5 and class 13. The driver will receive the largest discount if no insurance payments are made due to his fault for 10 years.

The discount can be calculated independently or checked using the RSA database.

Final formula

The final insurance amount is equal to the amount obtained by multiplying several values.

The formula for calculating compulsory motor liability insurance looks like this: T = TB x KT x KBM x KVS x KO x KM x KS x KN

Stands for:

BT - basic tariff rate;
CT - territorial coefficient (place of registration of the driver);
KBM - discount for accident-free driving;
PIC - age and length of service;
KO - limiting coefficient, which includes all persons specified in the insurance;
KM - engine power factor (indicated in horsepower);
KS and KP - coefficient of seasonal use and short-term insurance;
KN - coefficient of violations (violations are listed above, always equal to 1.5).

Insurance company employees themselves calculate the amount of insurance, but they can make mistakes in the calculations, as well as deliberately make a mistake so that the cost of the policy is higher. Therefore, you should perform your calculations and then compare them with the final ones.

Online calculators are also suitable for this function, but it is better to look for a site on which the information was posted after April 2015 (after this period new rules for calculating the cost of insurance came into force). The new tariffs made car prices almost 50% more expensive.

Deprivation of rights and fines

Some drivers are concerned about the question of whether deprivation of rights affects the cost of compulsory motor liability insurance . The legislation does not provide for breaks or suspensions in the calculation of the driving experience of vehicles.

Driving experience is calculated from the date of receipt of the first driver's license. Therefore, deprivation of rights does not affect the cost of the vehicle license.

Do fines affect the cost of compulsory motor liability insurance? The cost is affected only by accidents in which the driver was found to be at fault, and the victim demanded compensation from the culprit's insurance company.

Does the year of manufacture of a car affect the cost of insurance? No, it depends on the driver’s age and experience.

Is there a way to save money?

The cost of MTPL insurance is set by law, but there are several legal ways to reduce costs.

The price of the policy can be lowered slightly by changing the values used to calculate the cost of insurance:

drive a medium-powered car;
register the car to a person who lives in a region with a lower base tariff;
take out insurance for one driver;
try to drive without accidents;
buy insurance for a year;
register the car to a person who has vehicle insurance benefits.

The cost of an MTPL insurance policy depends on many different coefficients, but the total amount can be calculated independently.

If you realize that your insurance company is inflating the cost of insurance, you need to file a complaint with the RSA and the Central Bank. Information is stored in the RSA database for several years, so all information will be carefully checked.

There is also a calculator on the RSA website that will help you make the correct calculation: http://www.autoins.ru/ru/osago/calculator/.

Insurance payments are made only if the victim in an accident that was caused by you applies to your insurer for compensation.

If minor damage is caused to the car, drivers can sort it out on the spot, then the cost of the MTPL policy will not increase.

Number of drivers

Often several drivers use the same car at once. In this case, how can you take out a policy so as not to make a mistake and not overpay? If several people drive one car as a driver, you need to take out insurance, which will indicate all the persons allowed to drive it.

Buy an MTPL policy without limiting the number of drivers online

Sometimes it is difficult to determine in advance how many drivers should be included in the policy. In this case, you can do something simpler: take out insurance without restrictions. Any person who has a license and is authorized by the owner of the vehicle can drive such a car. You can save time and buy an unlimited policy online. It can be used by individuals, individual entrepreneurs, enterprises, including taxi services. To obtain a policy, you do not need to provide copies of documents of all drivers.

One of the main disadvantages of unlimited insurance is the increased cost of the policy. Those who have a profitable KBM should know that with a limited number of drivers, the highest bonus-malus is taken into account, and with unlimited insurance, the indicator of the car owner is taken into account.

Does the cost of compulsory motor insurance depend on the number of drivers?

If you choose a policy with a limitation, the coefficient will be 1, without a limitation - 1.8. For convenience, the corresponding values are given in the table of MTPL coefficients by the number of drivers for 2018.

Many people ask the question: “Does the cost depend on the specified number of drivers?” The registration of a new car owner itself does not cost anything, but depending on his experience and age, the price of insurance can increase significantly. If changes are made to an existing policy, you will have to pay the difference. Thus, adding a young (under 22 years old) and inexperienced (less than 3 years of experience) driver will result in an overpayment of 70%.

How many drivers can be included in the MTPL policy?

Answering the question of how many drivers can be entered, it should be noted that there are no restrictions as such. The required number of motorists can be indicated both on the form itself and on its reverse side.

To check how much OSAGO will cost you, use our service. On our website you will find a rating of the best insurers with reviews from real clients. You can also use an online calculator and find out on your own which insurance company is best to apply for a car insurance claim.

What determines the cost of compulsory motor insurance for a car?

OSAGO is a mandatory document for any motorist. Different insurance companies offer drivers very different conditions for concluding a deal. But what affects the cost of compulsory motor insurance? To get an idea of the price of a compulsory insurance policy, you need to familiarize yourself with the indicators of the driver’s age and length of service, territory, vehicle power and other features.

What affects the cost of compulsory motor liability insurance?

The price of an MTPL policy depends on the values of the coefficients. However, the driver does not have to contact the office of the insurance company to make a calculation. Directive of the Central Bank of the Russian Federation No. 3604 regulates the procedure for calculating the cost of compulsory motor liability insurance.

The driver needs to take into account the size of the base rate in a specific insurance company and substitute the values of the coefficients into the formula.

Base rate

The basic tariff is set by the Central Bank of the Russian Federation. However, the difference in the base rate is determined by the type of vehicle. To determine the size of this value, professionals carry out special calculations.

Authorized employees are interested in ensuring that the total cost of the policies exceeds the amount of possible compensation. Competition conditions force insurance companies not to inflate the base rate. The Central Bank also has the right to increase or decrease the base rate once a year.

The owner of a motorcycle can count on the lowest base tariff of 1,579 rubles. Owners of cars of categories “B” and “BE” must use a rate of about 4,118 rubles when making calculations.

The highest base fare applies to taxis. This is not surprising: the owners of such cars spend most of their working day on the road. High activity often leads to accidents.

Does the cost of compulsory motor insurance depend on the number of drivers?

The answer is obvious - it depends. When calculating the cost, each driver and his characteristics are taken into account (except for cases of issuing a policy that does not limit the number of persons allowed to drive).

The owner of the vehicle can include an unlimited number of drivers in the insurance. However, it is not always beneficial to indicate in the policy a large number of persons admitted to management. This is one of the reasons why legal entities take out an unlimited document of insurance.

If a motorist wants to include several drivers, the age and experience of each of them is taken into account when calculating the price of compulsory motor insurance.

The vehicle owner can familiarize himself with the value of the coefficient in each individual case:

If a car owner wants to include young or inexperienced drivers in the list, he should think about purchasing a policy that does not limit the circle of persons.

Bonus-malus coefficient

This coefficient to some extent determines the discipline and responsibility of the driver. The value can vary between 0.5-2.4. If the driver has not had an accident within one year, he will receive a five percent discount the next time he receives an insurance document.

After the liberalization of compulsory motor liability insurance, the procedure for calculating the bonus-malus coefficient has changed. Now habitual violators are forced to buy a compulsory insurance policy at a higher price. Drivers with a positive driving history receive a lower rate.

Car engine power

One of the most important parameters is the power of the vehicle engine. The less horsepower in the car, the lower the coefficient will be. The maximum value is provided for owners of cars with a power of 150 horsepower, and the minimum for cars with an engine up to 50.

Driver's experience and age

Insurance companies have taken into account the fact that younger and inexperienced drivers are more likely to get into accidents. To make the risks of selling a policy to such drivers minimal, the organization increased the age and length of service coefficient for them.

Older and experienced motorists with experience can count on a reduced value. The indicators of age and length of service in each specific case can be found in the table.

It is worth considering that when purchasing an unlimited policy, the motorist will substitute the largest coefficient value into the formula.

Duration of insurance

The compulsory insurance policy has a validity period specified in the insurance contract. These conditions are discussed at the conclusion of the transaction. Typically, motorists purchase compulsory motor insurance for one year, but a shorter period can be chosen, for example, 3 months.

The insurance period is taken into account when calculating the cost. If the contract period is short, the motorist will pay the tariff with the highest coefficient in the calculations. When receiving a standard OSAGO for one year, the applied coefficient will be equal to one.

The most common periods: 3 months, six months, one year. When concluding a contract for the minimum of the listed periods, the value 0.5 will be substituted into the formula. With a six-month policy validity - 0.7.

The value of the coefficient can vary from 0.2 to 1. A longer period is considered more profitable for concluding a transaction. If the validity period is less than 10 months, the motorist will overpay.

Formula for calculating compulsory motor liability insurance

To calculate the final cost of a compulsory insurance policy, you need to multiply all the obtained coefficients together, taking into account the base rate.

The symbols used are deciphered as follows:

SP - calculated cost;
BT - basic tariff;
KR - territorial coefficient;
KV - number of persons admitted to management;
KST - an indicator of the driver’s experience and age;
KBM - bonus-malus coefficient;
KM - car power indicator;
KS - seasonality coefficient.

With proper calculation, the driver will receive the final cost of the policy. However, instead of making the calculation yourself, you can use the OSAGO online calculator. The algorithm will allow you to perform actions quickly, taking into account all the coefficients and current discounts.

All you need to do is enter the required information in the blank spaces of the form. After filling out the form, the user will be able to view the price of the policy. You can find an MTPL calculator on the website of any licensed insurance company.

How can you save on your policy?

Knowing what the cost of a compulsory insurance policy depends on, it is not difficult to understand how to save on compulsory motor liability insurance. A motorist can purchase a less powerful car. Often, vehicle owners do not need a lot of horsepower.

The second method is to register a car for a resident of a region with a small base tariff. Also, at your own peril and risk, you can indicate in the policy a nearby city in which the territorial coefficient is smaller.

If a driver uses his vehicle for only a few months a year, it is advisable for him to purchase compulsory motor insurance for a shorter period. And if you have two or three drivers, it is more economical to buy a limited insurance policy.

The most effective way is to have a positive driving history. According to the bonus-malus coefficient, a motorist can receive a significant discount. The absence of an accident for a long period of time will not only save money on repairs, but will also allow you to purchase compulsory motor insurance at the lowest possible price. After several years of driving, the driver will be able to materially experience the significant benefits of being careful on the roads.

Conclusion

The price of an MTPL policy depends on many factors. However, most of the values can be influenced by the motorist. It is important to purchase a vehicle of appropriate power, drive carefully and take into account all the nuances of purchasing a compulsory insurance policy.

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.