Is it possible to add a driver to CASCO?

How to add a new driver to the MTPL and CASCO policies?

It is not always possible to change the terms of insurance during your first visit to the office of the insurance company. But sometimes you need to make changes as quickly as possible. For example, if the next morning a new driver has to go by car to another city. What do you need to know to change the list of drivers without unnecessary complications?

Who can register the driver?

First of all, you need to understand that only the policyholder, who is usually the car owner, has the right to change the terms of insurance, including the list of drivers. True, the owner of the car can transfer this right to another citizen, but in this case a notarized power of attorney will be required.

At the same time, the document must directly indicate the right to insure the car and make changes to the MTPL agreement, otherwise the managers of the insurance company will refuse to include a new driver in the policy. This is true for any type of insurance, including CASCO and OSAGO.

When visiting the insurer's office, you need to have a passport with you - only this document will allow you to identify the policyholder.

If a new driver must be registered by an insured who is not the owner of the car, you should take with you a notarized power of attorney. Quite often, policyholders entrust communication with the insurance company to drivers. The logic of this action is quite clear: since you need to add a new driver to the policy, then let him do it. However, without a power of attorney for the right to insure the car and amendments to the MTPL agreement, the driver will be refused to change the terms of insurance.

What documents will be required?

In addition to the documents already mentioned, the car owner or his representative should submit:

• new driver's driver's license;
• car registration certificate;
• insurance payment receipt;
• insurance policy.

It is advisable to submit all documents in originals. Sometimes insurance company managers are content with copies of these documents (except for the policy), but this is rather an exception to the rule. It is difficult to predict in advance whether original documents will be required, so it is advisable to immediately take them with you.

Copies of the necessary documents deserve special attention. Typically, insurers independently copy all documents submitted by the client, but sometimes managers temporarily do not have this opportunity. Therefore, before visiting the office of the insurance company, it is worth making copies of all documents in advance.

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When will you have to pay extra?

Changing the list of drivers does not always affect the cost of the policy. Insurers do not charge directly for changing the terms of insurance, but you will have to pay extra if the degree of insurance risk increases. This happens in the following cases.

• The new driver is younger than the citizens previously included in the policy or has less driving experience.
• There is no break-even insurance discount for a new driver.

The amount of the surcharge depends both on the conditions mentioned and on the remaining period of the policy. The more time has passed since you took out insurance, the less you will have to pay extra. It is worth checking with the insurance company managers in advance how much the cost of the policy will increase, because the money must be paid before adjusting the list of drivers.

When will the changes take effect?

A new driver will be able to use the car immediately after changing the list of drivers and making an additional payment. However, in the case of CASCO, there may be exceptions, because each insurer determines the terms of validity of this insurance. It is likely that we will have to wait a little longer from the conclusion of the additional agreement to expand the list of drivers.

Some insurance companies indicate in the CASCO rules that changes take effect only after some time. Most often, the additional agreement begins to take effect the next day after the visit to the insurer’s office. But it’s best to immediately check with the manager when you can transfer the right to drive the car to a new driver.

Can the insurer refuse?

In practice, policyholders never have problems changing the list of drivers, but theoretically, the insurance company may refuse to change this section of the policy. In the case of a motor vehicle, such a refusal is clearly contrary to the law. The insurer has the right to refuse only when the new driver does not have a driver’s license or it is expired.

In the case of CASCO insurance, the insurer may refuse to change the list of drivers if there are grounds to suspect the new driver of fraudulent activities.

However, insurance company managers will never say this directly. They will simply delay the execution of the additional agreement by any available means. In this case, the conflict situation can only be resolved through the courts.

Changing the list of drivers under the electronic OSAGO policy

Today, all insurance companies are required to sell electronic car insurance through their official websites. Changing the terms of such an agreement, including adjusting the list of drivers, is possible both during a personal visit to the office and via the Internet. However, not all insurers have yet implemented the function of changing insurance conditions on their websites, so it is worth contacting the contact center in advance and finding out what operating procedures the insurance company follows.

How to add another driver to your comprehensive insurance policy?

When concluding a voluntary insurance contract, few people can know with certainty how circumstances will change, as a result of which their own car may need to be entrusted to another family member or friend. As a rule, a CASCO policy is concluded for a period of one year. Over such a long period, new drivers may appear who want to get behind the wheel of your car. If one of them gets into an accident, and his data was not recorded in the insurance contract, compensation for damage can be forgotten. Therefore, it is better not to tempt fate and make changes to the contract in advance and in accordance with the requirements of the CASCO car insurance rules.

Types of insurance by number of drivers

• Limited : CASCO can include up to 5 drivers allowed to drive your car;
• Unlimited : Any motorist with a driver's license can drive your car.

How to include another driver in your insurance?

To add an additional driver to your policy, you usually need to provide the following information to the insurance company:

• Full name of the new driver;
• Date of Birth;
• Driving experience;
• Driver's license.

The reason for making changes to CASCO may be other circumstances, for example, a change of name and replacement of documents, loss of a passport or driver’s license, change of owner of a car. In this case, it will also be necessary to make changes to the insurance contract based on supporting documents provided to the insurance company.

How much does it cost to add a new driver to the contract?

To include a new person in a voluntary insurance contract, you may need a certain amount of additional payment, which depends on the following factors:

• Age and experience of the new driver . If it is necessary to include in the insurance a motorist with experience that is not inferior to other drivers of this vehicle, then the cost of insurance will practically not change. It’s another matter if the policy needs to include a young motorist with little or no driving experience. In this case, the price of the issue may increase significantly. In this case, applying for multidrive comprehensive insurance will help you save money.
• Duration of the insurance contract . The cost of a reissued policy if there is a month or two left until the end of the insurance contract will be significantly less than if you decide to include another motorist just a few days after purchasing CASCO.
• Insurance period . There are situations when one more person needs to be included in the insurance for a short period, for example, for a vacation or trip abroad. In this case, the losses for the family budget will be insignificant, and insurance protection will protect you from unwanted financial expenses after an insured event.

Don’t want to worry about the safety of your car while a newbie with no experience is driving? After including it in the policy, you are guaranteed financial protection in the event of an insured event.

How to add a driver to the policy for an Intach client?

If you are insured with Intach and want to add one or more drivers to your policy, our specialists will need:

• Full Name;
• Date of Birth;
• driving experience;
• driver's license.

You can also call 8 (800) 444 44 44 , and our specialist will advise you in detail on this issue.

How to add another driver to CASCO?

If you want to include a driver in CASCO insurance, visit the insurance company’s office and enter his passport details, age and driving experience into the policy. If you have unlimited insurance, you don’t need to arrange anything - anyone with a driver’s license can get behind the wheel of a car, even with little driving experience.

Calculate the cost of a CASCO policy taking into account the inclusion of several drivers

How much does it cost to include a person in CASCO insurance?

The cost of re-registration depends on the driving experience and age of the new driver, the period remaining until the end of the insurance period and other factors.

The exact cost of the surcharge is calculated by the agent in the office. Companies use a special formula:

β-α×ζ

• β is the total cost of the policy taking into account the new driver;
• α is the price you have already paid;
• ζ — coefficient of remaining insurance period

For example, you have taken out CASCO insurance for a year. Six months later, they decided to add a new driver with the same experience as yours. The cost of issuing a policy taking into account a new person is 24,000 rubles. You paid 20,000 rubles for registration before this. The coefficient will be 0.5. In this case, you will need to pay an additional 2,000 rubles - 10% of the previously paid amount.

Is it possible to transfer CASCO insurance to another person?

You can renew your policy in 3 ways:

Refuse CASCO. The insurance company will return the money for the remaining unused period, deducting its office expenses. The new owner will take out the policy for himself.

Renew your policy. The new owner will be added to it. The cost of re-registration will be calculated using the same formula β-α×ζ. The buyer will pay it. Money for the unused period will not be returned to you, but you can agree with the buyer on compensation.

Enter the buyer into the policy. Until the end of the insurance period, you will have equal rights to drive the car. After the expiration of the term, the new owner will take out the policy for himself.

If the driver is not included in CASCO and is involved in an accident

According to Resolution of the Plenum of the Armed Forces of the Russian Federation No. 20 of 2013, if your car was driven by a driver who is not included in CASCO, in the event of an accident you will still receive payment. But if this driver is the culprit of the accident, the insurance company will demand compensation from him.

To calculate the cost of CASCO, use our calculator. It will find several of the best deals in your area in 1-2 minutes.

Calculate the cost of a CASCO policy taking into account the inclusion of several drivers

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How to add an additional driver to CASCO

We have already examined insurance cases under CASCO: a crack in the windshield, call the traffic police in an accident? Today's question is: how to add an additional driver to CASCO .

Often, policyholders add one of their family members to the CASCO agreement, who also have the right to drive this car and will also be protected by this agreement. The best and easiest way is to include several relatives in CASCO immediately upon concluding the contract.

You say how much experience these people have, since the tariff will be calculated based on less experience. It is ideal when everyone has more than 10 years of experience, because the minimum tariff will be obtained. In practice, this does not always happen, so do not forget: firstly, to write down everyone who can drive your car, and secondly, to notify the insurance company specialist about your driving experience so that your tariff and payment can be calculated correctly. If you say the wrong length of service, pay the wrong payment, and an insured event occurs, you won’t end up in trouble. Therefore, be careful.

Some insurance companies only allow a certain number of drivers or, in scientific terms, “operators” to be included in CASCO insurance For example, four. There are companies where you can choose the option - any person who manages legally. In some places you have to pay extra for this option, in others it is free. It is well suited for legal entities and wealthy people who travel with a driver, since drivers can change.

It also happens that it is necessary a wife or child who has just received rights in CASCO What and how to do in this case?

The procedure is to add an additional driver to CASCO.

Write a statement to the insurance company with a request to include this person in your CASCO insurance contract. The insurance specialist calculates the amount of additional payment for an additional driver with minimal experience, taking into account how many days are left until the end of the contract. The additional payment, according to the new tariff, is taken only for those days when your relative or friend is included in the contract.

If you want to add an additional driver to CASCO with the same experience as you or more, then you simply write a statement about this and do not pay anything extra. The statement is attached to the contract and becomes its addition. You can safely include your father, brother or friend in CASCO in this way, if they have the legal right to drive your car.

So, easily and simply, if necessary, you can add additional “operators” to your car insurance contract.

Who and how can add a new driver to the CASCO policy? What is Multidrive insurance?

After signing the CASCO agreement, you can add new drivers to the policy at any time.

This will allow you to receive a payment if the driver during the accident is not the owner of the insurance, but one of the relatives or other persons listed in the CASCO agreement.

Information about the owner in the contract

When concluding a CASCO agreement, the owner of the car as a driver may not be included in the policy if insurance is purchased for one of the family members or for a person to whom the car was leased or used free of charge.

If the policyholder is not specified in the contract, then he is not considered a person authorized to drive a car (except in cases with a multidrive policy).

We emphasize that we are talking only about CASCO with a limited number of persons who are given the right to drive a car.

If the policyholder is a legal entity. person, then CASCO is issued for any number of drivers. Accordingly, anyone can drive an insured car.

Who can enter the details of the second driver?

Only the policyholder, that is, the one who purchased the CASCO policy, has the right to register the second and other drivers.

But he has the right to issue a power of attorney to another person who will assume the responsibilities of concluding a CASCO agreement and making changes to it.

The power of attorney must be notarized.

It is prohibited to include a second driver in the contract yourself (without notifying the insurance company and drawing up an additional agreement to the CASCO contract).

How many people are allowed on a standard policy?

CASCO can include an unlimited or limited number of drivers (usually up to 5 people).

Failure to comply with this requirement entails the same consequences as for the policy buyer (for example, refusal to pay insurance compensation).

How much does it cost to add new people to your insurance?

The inclusion of new persons in the policy may increase insurance risks and therefore the insurer has the right to revise the amount of the insurance tariff.

This is done if new persons are young and do not have a driving record, as well as discounts for break-even insurance.

The amount of the surcharge depends on the following factors:

• how many months are left until the insurance period expires;
• number of drivers, their age, driving experience;
• temporary or permanent inclusion of a new driver in the policy.

For calculation, the insurer takes the total cost of CASCO for the year with the required number of drivers. The cost of current single-driver insurance is subtracted from this figure.

The difference is multiplied by the number of days remaining until the end of the insurance period. The resulting figure is divided by the number of days in a year.

On average , the surcharge for a policy for two drivers is usually 5-10% of the contract amount . The less time before the end of the insurance period, the less the additional payment will be.

If there are only a few weeks left before the policy ends, the company may even refuse to add new persons to the insurance.

Is it possible to enter data via the Internet and how to do it?

Many insurers offer the opportunity to add new drivers through a personal account on their website. To do this, you need to register and enter your contacts.

Basically, online adjustments are subject to e-CASCO, which is currently offered by a limited number of companies.

To add drivers, submit an application.

Scans of documents can also be sent online.

To add you must specify:

• his full name;
• age, driving experience;
• driver's license number;
• CASCO agreement number.

If a regular CASCO insurance was issued, then to add drivers you still need to visit the insurer’s office and bring the original passports and driver’s licenses of the new persons admitted to driving.

Sometimes the company also asks for a copy of the insurance contract and a receipt for payment.

Is it necessary to indicate all persons admitted to management?

It is necessary to enter all persons who operate the machine . If this is not done, then difficulties may arise with payment if the accident is caused by a person who is not allowed to drive.

Most likely, the insurer will pay compensation at the request of the insured, but then turn to the culprit of the accident with a recourse claim, demanding compensation for losses.

Insurance company refusal to pay

The absence in the policy of an indication of the driver who was driving the car at the time of the accident does not relieve the insurance company from the obligation to pay compensation.

If, despite judicial practice, a refusal to pay occurs, the client has the right to go to court and appeal this decision.

You can first send a claim to the insurer with a request to eliminate the violations and make a payment.

Right to recourse

The insurer is not obliged, but has the right to file a recourse claim against the culprit of the accident. The insurance company does not have the right to demand compensation from someone who is not at fault for the accident and who is simply not included in the policy.

But, if a driver who is not included in the insurance is found to be at fault, this is the basis for the insurance company to receive back the paid insurance amount through subrogation.

Any court decision on the insurer's claim can be appealed to the appellate and cassation instances.

Example of subrogation

Let’s say the car was driven by driver Ivanov, an 18-year-old son, who was not included in CASCO due to the high cost of the policy. They only registered his father with a good accident-free record, believing that they would receive the payment in any case.

The young man committed an accident and was the culprit. The amount of damage was estimated at 300 thousand rubles.

The father collected all the documents and submitted an application for compensation.

Within a month, the insurer reviewed the application and paid for repairs at the service station in the required amount.

A couple of months later, driver Ivanov received a copy of the insurance company’s recourse claim and an invitation to court.

Since all the evidence of his guilt was presented, Ivanov will be forced to compensate the insurance company for the cost of repairs (240 thousand rubles).

Policy Multidrive without restrictions

Multidrive is a CASCO insurance with an unlimited number of drivers allowed to drive the vehicle.

At the time of an accident, it may not be the policyholder who is driving, but any person, and at the same time, the owner of the multidrive can count on payment in full.

Claim for damages by the culprit

Subrogation means the transfer to the insurer of the right to demand compensation from the person responsible for the accident (Article 965 of the Civil Code of the Russian Federation).

If the driver who caused the accident was not included in the multidrive policy, then the insurer has the right to send him a letter demanding that he pay the amount of damage voluntarily.

If this is not done within the agreed time frame, a lawsuit will follow.

The policyholder is obliged to transfer to the company all documents and evidence necessary for going to court (this is provided for in the Insurance Rules).

In case of refusal, the insurer is released from paying the insurance compensation in full or in the relevant part and has the right to return the excess amount of compensation paid.

The right to demand compensation from the guilty party arises after full payment for the insured event has occurred.

Are there any restrictions?

Drivers over the age of 23 who have a driver's license (usually more than two years) can be included in the CASCO policy.

Drivers included in the policy must drive the vehicle legally.

What to choose?

New drivers can easily be included in an already issued CASCO agreement . To do this, you need to come to the office with documents and make changes to the policy or submit all the data in your personal account on the insurer’s website.

If you have unlimited multidrive insurance, then you don’t need to arrange anything - anyone who has the legal right to do so can get behind the wheel of a car.