But now it was necessary to make changes to it - add a driver, change the registration sign of the car, rewrite the owner. What to do, where to go? We understand in this article.
In paragraph 1.10 of the Rules compulsory insurance civil liability vehicle owners are as follows:
“... Changes to an insurance policy issued in the form of an electronic document in the manner prescribed by these Rules may be made in in electronic format or by reissuing a compulsory insurance policy on paper. In the latter case, the policyholder is issued a reissued (new) compulsory insurance policy on paper.
That is, in fact, the law does not prohibit insurance companies from making changes to the electronic OSAGO policy in electronic form. In practice, companies do not use this opportunity. And they demand to come to the nearest sales office to issue a new policy in paper form.
But before looking for the office of your company on the map and going there, we recommend calling the insurer's call center and clarifying this issue. Suddenly, something has changed with them, and you can turn the procedure through the site.
That is why it is still more convenient to issue an electronic OSAGO in large insurance companies with an extensive network of branches and representative offices. So, in order to make changes to the electronic OSAGO policy of Rosgosstrakh, it will be available to you in Russia. But to change the electronic policy, RESO provides a little more than 600 offices across the country.
If you need to add a new driver to the list of persons admitted to driving under the E-OSAGO policy or remove the old one from there, you will need to write an application to the insurance company.
Important! If the experience and age of the new driver is less than those whom you have already entered into the policy, then you may have to pay a premium.
You will definitely have to pay extra if you change specific drivers in the policy to an unlimited list.
The surcharge is calculated for the remaining term of the OSAGO policy.
Brief instruction:
If you have re-registered the car with the traffic police and received a new registration plate, arm yourself with a copy of the registration certificate and go to the office of the insurance company. It is not necessary to do this on a car, no one will watch it anyway.
There you will need to write an application for changing the state number in the policy and attach a supporting document - a certificate of registration.
An application form will be provided to you at the office of the insurance company.
You will not have to pay anything extra for changing the state sign of a car.
Brief instruction:
If the owner of your car has changed - it was re-registered as a wife, gifted to your mother-in-law, and the like, before visiting the insurance company, do not forget to take your vehicle registration certificate with you - a technical equipment passport.
It is the Title, and not the certificate of registration, that is the document that confirms the ownership of the car.
At the office, you will write the application again. An application template will be provided to you.
Important! The cost of the OSAGO policy is calculated based on the place of residence of the owner of the car - article 9 of the law on OSAGO No. 40-FZ. Therefore, it is possible that the new owner will have to pay an additional insurance premium under the policy. For example, if the former owner lived in the Ryazan region - there the territory coefficient is 0.9, and the new owner lives in Moscow - here Km = 2.0.
Brief instruction:
There are frequent situations when, during the action insurance contract the driver's data changes. This may be the number of the VU, TCP, etc. In the article, we will analyze when and how it is necessary to make changes to the OSAGO and what threatens lack of initiative in this matter.
According to Art. 15 Part 8 No. 40-FZ, the insured must notify the IC in writing of a change in the data specified in the application when concluding the contract. Thus, it is necessary to inform the company that issued the policy in the following cases:
You cannot change the following data specified in OSAGO:
If you change any of the data indicated in the last list, you will need to terminate the current contract and take out new insurance.
Provisions No. 40-FZ, in particular Art. 15 hours 8 oblige the insured to promptly inform the UK about all changes in order to amend the OSAGO policy. At the same time, the legislation does not imply any punishment for failure to comply with this requirement.
In addition, the existing regulatory legal acts and provisions on OSAGO do not consider failure to make changes to the “autocitizen” as a reason for refusing payments or a basis for recourse.
The only trouble that can await a driver who has not informed the insurer about the changes is a meeting with a traffic police inspector. When checking the policy, he will reveal a discrepancy between the data specified in the OSAGO and the information indicated in other documents.
These discrepancies can cause a traffic inspector to question the validity of the insurance. On these grounds, he has the right to impose a fine on the motorist under Art. 12.37 h. 2 of the Code of Administrative Offenses of the Russian Federation for driving a vehicle without issuing an OSAGO policy. The recovery is unlawful, it can be challenged in court, but this will take time and effort.
All amendments are made by an employee of the insurance company that issued the policy, on the basis of a written application from the OSAGO holder or his representative (you will need to issue a notarized power of attorney in his name). To make changes, it is not necessary to contact the branch where the contract was concluded. You can visit any office of the company.
To make changes to OSAGO, you must perform a number of actions:
Often, drivers ask themselves the question: how much does it cost to correct the data in the "autocitizen". Adjustments are made free of charge, if these changes do not entail an increase in the insurance premium.
The company has 3 working days from the receipt of the application to complete the procedure. In practice, amendments are made on the day the driver applies.
To change the data in the policy, you must provide the following documentation package to the UK:
One of the most common reasons for changing data in OSAGO is the need to add a new driver to the policy. Such adjustments, in most cases, require an additional fee. To make such changes, a passport and the rights of a citizen included in the insurance should be attached to the designated list of documents.
If, at the conclusion of the contract, the policyholder indicated the period of use of the vehicle less than the validity period of the policy, and then decided to increase it, you will need to indicate this change in the form.
Based on clause 1.9 of the OSAGO Rules, this must be done before the end of the period specified in the policy.
If the driver has changed his rights, then he also needs to inform the insurer about this, since this information is reflected in the OSAGO policy. In addition to the designated list of documents, you will need to attach a new VU.
On the reverse side of the new rights, the number of the old ones is usually indicated. If the driver does not have time to make these changes to the insurance in time, then there should be no problems when meeting with the traffic police officer.
To conclude a new contract, an honest insurer refers to the PCA database, indicating the number of the former VU. In this case, the driver is identified in the system with the preservation of his history and the value of the MSC.
When changing the place of registration, you must provide the IC employee with a document confirming the change (usually a passport). Such amendments may entail a change in the size of the insurance premium, both up and down.
Upon receipt of a new technical equipment passport, it is necessary to inform the insurer of the change that has taken place. PTS data is entered into OSAGO. You will need to attach a new registration certificate to the documents.
Obtaining new license plates is also the reason for changing the data in OSAGO. To do this, you will additionally need to present the STS. The procedure is free.
It is possible to change the owner of the vehicle in the current OSAGO policy, but the previous owner will remain in the "insured" column. To make such amendments, you will need to provide a sales contract and a passport of the new owner.
The change of the owner of the vehicle is also the basis for early termination of the insurance contract and the return of the unused part of the premium. In this case, the new owner will have to issue an OSAGO policy.
In 2019, drivers have the opportunity to purchase "autocitizenship" online. This does not require visiting the office of the insurer. If it is necessary to make changes to the electronic OSAGO policy, it will not be possible to avoid a visit to the UK.
The point is that, according to Art. 15 h. 8 No. 40-FZ, an application for changing data must be submitted in writing. At the moment, the legislator does not distinguish between the classic "autocitizen" and e-OSAGO.
If during the validity of the insurance contract any data specified in the application changes, you will need to inform the IC employees about this. The agent will make adjustments to OSAGO and issue a new form to the driver. This procedure does not take much time and does not require the collection of a large package of documents.
Each policyholder has the legal right to make permissible changes to the auto insurance e-policy using a personal account on the official web resource of the insurer company. To be able to correct the data, you must log in to your personal account by entering your E-mail and password. Go to the "Personal Account" and select the "Policies" subsection. If you have several electronic policies issued to you, then search required document by individual number. In the policy displayed in your personal account, you can make the necessary changes. So, you can correct yourself:
In cases where you need to change something that is not presented in the above paragraphs, then most likely it is not technically possible to do so. And this means that you will have to visit the office of the insurance company to make changes. It is also possible to ask someone to visit the office and make changes, but this will require a notarized power of attorney from the policy owner.
Important information: It is possible to terminate the electronic auto insurance policy after its entry into legal force only by personally contacting the office of the insurer. It is impossible to terminate the insurance contract online!
In cases where a personal presence at the office of the insurer company is necessary to correct personal data in the auto insurance e-policy, you should take care of the availability of the necessary documents.
To edit various data, the relevant documents are required:
In order to add a new car owner to the insurance policy, in addition to the identity documents of the new owner, the presence of the old owner with a passport is required, as well as an agreement on the alienation of the vehicle.
It is possible to change the type of insurance, for example, to unlimited. To do this, you must complete an application and pay the claimed amount of money.
To save time, take care of the availability of the above documents in advance, write statements of the established form and hand everything over personally to the insurance worker. After adjusting the data in the database, you will be printed out an updated OSAGO policy on the government letterhead, while its number and validity period will remain unchanged.
Do not delay with corrections in the OSAGO policy - it can cost you dearly in the truest sense of the word. Correct what is possible to change in your personal account on your own, in other cases, immediately contact the insurance company.
Each statement that you make before replacing data, write in duplicate. Before making changes, study the rules for correcting data about the owner and the vehicle itself in order to avoid unforeseen situations and material costs.
Changes to the electronic OSAGO policy are made by going to the Personal Account on the page of the insurance company where it was issued. If the Internet resource of the insurance company has special restrictions, then it is possible to make changes to the electronic policy only at the office of one of the company's branches. This will have to be done if, for example, you use the services of SOGAZ.
The basis for the amendments is a statement in which the clients prescribe all the desired adjustments regarding the already concluded contract. If the application is submitted by direct communication in the office, it must be in paper form, and if the submission is via Personal account on the site, an electronic application is submitted. This operation is authorized only by such a person who is the insured, respectively, he is indicated in the mandatory insurance policy OSAGO in the first paragraph.
When an appropriate application is received by the insurance company, the company registers it directly on the day of the application or on one of two working days. They record your claims on the so-called "Special Marks" of the insurance, and also indicate the date and time of the change. This procedure is fixed by the signature of an authorized employee and the seal of the insurance company. After that, the electronic policy of the new sample is reissued.
In order for changes to the insurance policy to take effect, insurers must enter all information on the updated policy. electronic OSAGO to the database of the Russian Union of Motor Insurers.
So, after contacting the insurance company with an application, the reissued OSAGO policy is immediately provided to single base. AT without fail the new electronic policy must be certified, that is, signed with a seal. Insurance companies, such as Rosgosstrakh, RESO-guarantee, Renaissance, AlfaStrakhovanie and many others, do not limit the number of people who can be included in the e-OSAGO. This is due to the opportunity to purchase an electronic insurance policy, in which there is no certain limit of persons included in the document. In practice, such a document is most in demand among Russians whose driving experience is not long enough.
If the list of persons in the insurance that the insured (client) wants to allow to drive the car is expanding, then it is imperative to notify the “insurance” before persons not listed in the document are allowed to drive. It is very important to understand that even if the policyholder sits in the passenger seat, then a person who is not registered in OSAGO still does not have the right to drive. Naturally, this does not apply to those cases where the insured has "unlimited insurance". If the changes relate to the period of use of the vehicle, then the customer must report the adjustment to the insurance company before the period of this use ends. This is done so as not to new policy and extend your e-insurance.
If an e-OSAGO purchase is made, but the car does not have license plates, then you need to pay attention to the second field of the policy. It is left blank. It is responsible for the registration mark. But this is done only in cases where the registration of the car is in the process, because this field will still need to be filled in between the next three business days. The insurance agent will fill in this column after you notify him of the meaning of the license plate.
To do this, you will need to bring the following documents with you to the office of the insurance company:
It is recommended to print the electronic policy and carry it with you. This is done in those cases in order to quickly present your e-OSAGO to traffic police officers when checking documents. As you know, not all traffic police officers are equipped with devices that allow you to quickly check your insurance online.
Electronic OSAGO has the same force as paper. In this case, the cost of such a policy does not increase. It is designed to simplify the insurance procedure and save time for customers.
