How much and who needs to pay to include a driver in car insurance?

According to current legislation, vehicle owners are required to insure their property. In this case, the insurance must indicate all drivers who have access to the car. These are mandatory requirements, failure to comply with which may result in a fine for driving without compulsory motor liability insurance.

On January 9, 2021, the instruction of the Central Bank of the Russian Federation No. 5000-U came into force. This document changed the procedure and rules of car insurance. Innovations primarily relate to the driver's vehicle, length of service, age of drivers and the number of citizens included in the insurance. As a result, the final cost of compulsory motor liability insurance has also undergone changes.

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When do you need to register a driver for compulsory motor liability insurance?

According to Article 1079 of the Civil Code of the Russian Federation, responsibility for the vehicle falls on its owner. The insurance company, concluding a compulsory motor liability insurance agreement with it, undertakes to compensate for the damage that may be caused by this vehicle to other road users. At the same time, the insurance company must be aware of possible risks (this is what determines the cost of insurance). If an accident occurs, and the driver who was driving at that moment was not noted in the MTPL agreement, the insurer has the right to refuse compensation for material damage.

Thus, if in 2021 the car owner plans to allow another driver to drive the vehicle, it is necessary to enter information into the insurance. Compliance with this condition is mandatory. However, there is an exception to the rule. So, if the contract initially did not contain restrictions on the number of persons admitted to the vehicle, then there is no need to include anyone in the insurance.

If the insurance contract specifies several drivers, the cost of registration is calculated based on the driver with the highest total coefficient. If you include a person who has more experience than the owner of the vehicle, you will not have to pay extra.

Rosgosstrakh OSAGO calculator

At Rosgosstrakh, in addition to a regular policy, you can take out compulsory motor liability insurance for the period of travel to the place of registration of the vehicle, as well as insure a vehicle registered in a foreign country.

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To issue an insurance policy, you will need a technical passport for the vehicle, a driver’s license for you and those you plan to allow to drive the vehicle, your passport and a previous MTPL insurance policy.

Insurance price in 2021

The cost of registering a driver for compulsory motor liability insurance in 2021 consists of several parameters. One of the changes made in 2021 concerns the base rate.

The base rate is the initial amount from which the insurance company bases its calculations. It may vary for each company. However, price corridors are set by the Central Bank. In 2021, MTPL tariffs have changed significantly. Thus, for motor vehicles (categories A and M) the base rate varies between 694-1407 rubles. For passenger cars the price should be 2746-4942 rubles. Insurance of a truck weighing up to 16 tons will cost the owner 2807-5053 rubles, and over 16 tons – 4227-7609 rubles.

For passenger cars owned by legal entities, as well as those used as taxis, separate base rates apply. In the first case, it is 2058-2911 rubles, and in the second – 4110-7399 rubles.

The changes also apply to the KBM. However, here they only touched on the paperwork. The coefficients themselves remained the same as before.

In addition to KBM, the cost of MTPL insurance in 2021 consists of (Article 9 of Federal Law No. 40):

1. base tariff rate;
2. territorial coefficient (CT);
3. age-experience coefficient (AIC);
4. restricted use coefficient (CR);
5. power factor (KM)
6. coefficient of the number of violations (CN).

OSAGO price = Basic tariff x KT x KBM x KVS x KO x KN x KM

Since the calculation procedure has changed in 2021, the cost of insurance has also changed. If other drivers are included, the policyholder may be required to pay the missing amount (Article 15 of Federal Law No. 40).

How much does it cost to include a driver without experience in the insurance?

First, you need to understand the concepts and define what driving experience is. In fact, this definition is interpreted as the time that has passed since the citizen received a driver’s license. Thus, if a person received his license 4 years ago, but has never driven a car since then, his experience is still determined to be 4 years.

It should be noted that this method of calculation is applicable only for length of service. The accident-free driving rate is determined not by the date of receipt of the driving license, but by the date the driver is included in the MTPL insurance contract. That is, in the above case, the citizen is not provided with any benefits for the absence of an accident.

But how much will MTPL insurance cost for a driver without experience in 2021? According to the new rules, everything will depend on age. The coefficient by which the base rate will be multiplied varies from 1.6 to 1.87. The minimum amount (with a coefficient of 1.6) will have to be paid by novice drivers whose age exceeds 59 years. The maximum is for persons under 22 years of age (1.87).

An example of calculating the cost of compulsory motor liability insurance for a driver without experience.

Let the novice driver live in a region with a territorial coefficient of 1.2. At the same time, the engine power of the car exceeds 150 hp, and the age of the novice driver is 19 years. Then the power factor is 1.6, and the age factor is 1.87.

Thus, if the insurer has set a base rate of 3,000 rubles, then the final amount for a novice motorist will be 10,771.2 rubles (if such a driver is included, it is enough to pay the difference with the initial cost of insurance).

Basic tariff x KT x KBM x KVS x KO x KN x KM = Price of compulsory motor liability insurance for a driver without experience

3000x1.87x1.6x1.2x1x1x1=10771.2

How much does it cost to include an experienced driver in your insurance?

Everything here is also strictly individual. The coefficient will also depend on age. So, for drivers under 22 years of age with 3-4 years of experience, it is 1.66. Experienced drivers over 59 years of age will have to pay the least for insurance. After driving for only 3 years without an accident, they receive a reduction factor of 0.93. For example, if the regional coefficient is 1.2, the base rate is 3000 rubles, and the power factor is 1.6, then they will have to pay 5356.8. In this case, 9561.6 will be required from the young driver.

Basic tariff x KT x KBM x KVS x KO x KN x KM = Price of compulsory motor liability insurance for an experienced driver

3000x1.66x1.6x1.2x1x1x1=9561.6

In order to register a driver with experience, it is enough to pay the difference with the initial cost of compulsory motor insurance.

Having studied all the innovations, we can absolutely say that according to the new rules, compulsory motor liability insurance for experienced drivers has become cheaper. And the more experience and age of the motorist, the greater the benefit he receives. But for beginners the picture is not so joyful. They will have to pay even more for insurance than before.

Required documents for changes

In fact, making changes to an agreement with an insurance company is not that difficult. This will take a few minutes and a minimum set of documents. Here's what you need to prepare:

1. An old MTPL agreement that needs to be amended.
2. Passport.
3. Driver's license of the citizen who is planned to be included in the contract.

The presence of the person included in the insurance is not necessary. However, the presence of the vehicle owner (to be more precise, the policyholder) is required.

In addition to these documents, it is necessary to prepare a corresponding application. Typically, a form for this is issued at the office of the insurance company. Insurance company employees will also tell you how to fill it out and the exact cost of adding a driver to the MTPL policy. It is possible to prepare an application yourself in free form. However, in this case, you should find out in advance about the rules for drawing up such a document (detailed information can be found on the insurer’s website, or by calling its office).

Where to contact

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Only insurance company employees can add a new driver. You should come to the company’s office and have three documents with you:

1. Passport of the citizen who must be included in the insurance policy.
2. Driver's license of the person who will drive the vehicle.
3. A valid MTPL policy.

An application must also be written requesting the entry of a new vehicle operator. During this procedure, the personal presence of the owner is required to avoid unpleasant situations. Insurers must be sure that the car is not wanted or taken without the owner's knowledge. The owner can also write a power of attorney certified by a notary, but this is a waste of money and time. The presence of the citizen who needs to be added to the insurance document is not necessary; it is enough to have copies or originals of his documents.

After the application is accepted, the insurance company employee enters the database and makes the necessary changes, then makes the appropriate note in the policy. The new OSAGO policy must be signed by the insurance agent and the seal of the company that made the amendments. But most often a new policy is issued and the old one is taken away. You cannot add one more person on your own.

Read more about the procedure for adding a driver to the MTPL policy in our article, and you can find out how many names you can add to the policy for free here.

Step-by-step instructions for adding a driver to the MTPL policy at an insurance company

To change the list of drivers in the MTPL contract, you can visit the office of the insurance company. It does not matter where the owner executed the previous document. Changes can be made at any of the insurer's branches. The price of the policy will not change depending on where the changes are made.

It is prohibited to independently make any entries into the MTPL agreement. This is regarded as falsification of documents and carries with it responsibility.

Thus, you can enter a citizen into OSAGO in a few simple steps.

1. First of all, it is necessary to send the IC a statement of desire to make changes (in writing). As mentioned above, to do this, just contact the nearest office of this company. If the insurance owner cannot be present during the re-registration, he can send another person in his place. However, in this case, a power of attorney will be required (the latter must be certified by a notary).
2. The policyholder should also prepare the documents necessary to change the data. Their list has already been given above.
3. Next, all the necessary data is entered into a single database.
4. After this, the insurer will either return the old insurance to the driver with the changes already made, or issue a new form.
5. In some cases, an additional payment may be required for adding the driver to compulsory motor liability insurance.

To make changes to the compulsory motor liability insurance, the presence of the citizen who entered into an agreement with the insurance company is required, rather than the owner of the vehicle..

There are several clauses in the contract that cannot be changed. This includes the insured vehicle, the policyholder and the validity period of the document. To change this information, you will need to enter into a new agreement with the insurance company.

How to add another Rosgosstrakh driver to the compulsory insurance

At the same time, it is in the interests of any insurer to include such a service as paid registration of new drivers in the insurance policy. After all, this brings additional income to the insurance company. In any case, if you want to know how to add another driver to your insurance, contact your insurance company office for help. The employee will explain all the features of this procedure to you personally and help you register another person in the MTPL.

This operation requires a certain list of documentation and an additional premium to be paid to the insurance company. An exception can be considered a policy of the “without restrictions” category; up to 5 persons with driver’s licenses can be included in it.

Is it necessary to have a driver included in the insurance?

In fact, to add a driver to insurance, his presence in the insurance company’s office is not even necessary. All documents are handed over by the person who prepared the paperwork initially. And now he must definitely appear. Or he can send someone by proxy.

The power of attorney is drawn up in writing and certified by a notary. The power of attorney must indicate the actions permitted under it. For example, it may be stated here that it gives the right to represent the interests of a citizen in an insurance company, or to make changes to the insurance. By default, the power of attorney is valid for 1 year. However, the period may be specified in the document (the maximum possible is 3 years).

Add a new driver to your MTPL insurance

If you do not trust the insurer and want to check the accuracy of their calculations, then you will need a regular calculator and basic knowledge of mathematics. The formula for calculating insurance is as follows:

The Internet is full of statements from “people’s experts” that the insurance company is obliged to register a new driver completely free of charge. Unfortunately, in most cases they are wrong. According to the law, you will still have to pay extra if the degree of risk changes. The fact is that the cost of compulsory motor liability insurance is affected not only by the age and length of service of eligible persons (see Table 1), but also by the discount for accident-free driving (see Table 2). The new person is required to confirm his accident-free record by submitting a break-even certificate from his insurance company (for some, a copy of the policy is enough). If the certificate is not submitted or the new driver does not have an accident-free history, the insurance discount is lost. So situations arise when a person registers a driver with an age of more than 22 years and an experience of more than 3 years, and the insurer demands an additional payment. The reason here is the loss of discount (Kbm).

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Step-by-step instructions for adding a driver to your MTPL policy online

Starting from 2021, drivers have the right to issue an electronic MTPL insurance policy. This significantly simplifies the procedure for obtaining insurance and allows citizens to save their time. In addition, this option in 2021 makes it possible to make changes to the document via the Internet. This also applies to adding new drivers.

The procedure here is not much different from contacting the Investigative Committee office. Therefore, to add a driver to the MTPL policy online, the policyholder will need to follow a few simple steps.

1. First of all, you will need to find on the Internet the website of the insurance company where the document was issued. This is not that difficult to do (you can also find instructions for making changes here).
2. Next, you need to log in to the site and enter your personal account.
3. After this, you need to collect all the necessary documents. The policyholder sends an application to the insurance company through his personal account and attaches copies of the collected papers to it.
4. The next step will be to make an additional payment for adding the driver to the MTPL policy (in some cases, no money is required).
5. When all the papers have been sent and payments have been made, the citizen can receive a new copy of the electronic insurance policy.

The changes made on January 9, 2021 did not in any way affect the procedure for adding a new driver to the MTPL policy; only the cost of the procedure changed.

How changes are made to the OSAGO policy

Reso guarantee OSAGO calculator

There is no clear legislative regulation of this procedure, therefore insurance companies, when asking to include another person in the MTPL policy, use general rules regarding contractual obligations. This means that either the insurer’s representative makes changes to the current policy, signs and seals them, or takes the policy away from the policyholder, destroys it, and in return gives a new one with the changes made.

Note that the legislator did not limit the number of persons included in the MTPL policy. However, based on the cost of services for adding an additional number of persons, it would be more advisable to purchase a policy without limiting the number of persons included in it. This way you can save a lot.

If you know for sure that no one else will be included in the insurance, and the insurer insists on purchasing a policy without a limited number of persons, then you have the right to refuse.

Moreover, you have the right to write a complaint against such an insurer to the appropriate authorities (police, prosecutor's office, RSA, Society for the Protection of Consumer Rights). The law is on your side, but many simply do not know this, which is what some irresponsible representatives of insurance companies take advantage of.

How to get a discount when adding a driver to your MTPL policy?

One of the values ​​that significantly influences the cost of adding a driver to an MTPL policy is the bonus-malus coefficient. In 2021, not only can it increase the cost of insurance, but it also allows motorists to get a discount.

The main value influencing the KBM is the driver’s loss rate. The more often he gets into various types of accidents, the more he will have to pay (of course, cases where the motorist was not the culprit of the accident are not taken into account by insurance companies).

KBM uses a class system. Initially, any driver is assigned fifth class (according to the old rules it was third class). If a motorist does not cause losses to the insurer (that is, does not become the culprit of accidents), each year his class increases by one line. Accordingly, its discount on registration increases. For each year -5%.

If in the past year the insurer suffered losses due to the fault of the policyholder, the cost will increase. Thus, a driver who frequently gets into accidents can receive an increase factor of up to 2.45. The minimum coefficient is 0.5 (it is assigned to drivers of class 15). Thus, a motorist can receive a 50% discount on registration. To do this, he will need to spend 10 years without accidents.

It should be noted that the amount of the insured amount paid, as well as the severity of the accident, do not in any way affect the CBM. Only the number of payments affects. That is, a motorist who often gets into minor accidents will pay more than a driver who is at fault for one major accident. And it doesn’t matter which of them brought big losses to the insurer.

If a motorist wants to save on registration of compulsory motor liability insurance, then he definitely should not include emergency and novice drivers. After all, the cost of the policy is calculated based on the coefficient of the driver with the worst bonus-malus coefficient. This means that the price after such additions can increase several times (for example, if a motorist who has driven without an accident for 10 years adds a driver with the maximum KBM, the prices will increase almost fivefold). However, the vehicle owner has the right to exclude emergency drivers from insurance. In this case, the insurer is obliged to return the difference in costs.

Nuances

The innovations of 2021 did not have such a strong impact on the procedure for obtaining compulsory motor liability insurance. The main changes were made to the base rate, as well as the length and age of drivers. For some categories of citizens, the final cost of insurance has increased, and for others, on the contrary, it has decreased.

There are several important nuances when changing the policy:

• After re-registration, you need to make sure that the information is included in the AIS database (this is especially true for electronic documents). If a driver is stopped by a traffic police officer and sees that he is not in the database, a fine will be imposed.
• Changes can be made without the personal presence of the policyholder only with a power of attorney. And although the use of uncertified paper is allowed, most insurance companies do not accept them.
• If the owner of the vehicle is a legal entity, you will need to provide a company registration certificate to make changes.
• Before going to the IC office, you should make sure that all the necessary papers remain valid.

As you can see, making changes to your policy in 2021 is not that difficult. The main thing is to collect the necessary papers and submit an application. This can be done both online and in person. At the same time, the cost of insurance may change either up or down.