How to make changes to OSAGO VSK insurance

How to sign up for MTPL insurance

At the beginning of 2021, an amendment to the Law came into force, according to which citizens who are not the owners of a car have the right to drive someone else’s vehicle only after entering the name of the second driver into the current OSAGO policy. We will tell you in detail how to add the data of a new person in accordance with the legislation of the Russian Federation.

Insurance is issued for one year. If the insured driver gets into an accident and, due to his fault, the vehicle of the second participant in the accident is damaged, the insurance company will fully compensate for the costs of restoring the damaged car. If at the time of the traffic accident there was a person driving who was not included in the policy, all financial responsibility will fall on him. To avoid unpleasant situations, carefully read the article on how to add a driver to your insurance online or when visiting the insurance company’s office. Registration of an electronic policy takes less time, but requires a more responsible attitude towards filling out the electronic form.

Methods for adding a new driver to the OSAGO SOGAZ policy

According to paragraph 8 of Art. 15 of Federal Law No. 40-FZ “On OSAGO...”, the policyholder must notify the insurer of all changes that arise during the entire term of the contract. First of all, this concerns personal data when replacing documents such as:

• driver license,
• general passport;
• PTS or vehicle registration certificate.

In addition, the law prohibits driving a vehicle by a person not included in the compulsory motor liability insurance policy. Therefore, if relatives or friends want to drive the policyholder’s car, then their data must be entered into the OSAGO policy. offers to add the driver to your insurance online or at one of 800 service offices throughout Russia. To apply to the Investigative Committee, you will need a passport and driver's license, as well as documents for the vehicle.

Newcomers without experience cannot be entered into e-OSAGO via the Internet. The fact is that the RSA database does not contain information about novice drivers.

Making changes to e-OSAGO

An electronic MTPL policy is issued after registration in your Personal Account on the website sogaz.ru. To make changes, you must log into your account and find the “View Policies” section.

Information about all insurance purchased by the user, both expired and current, will be displayed here. Next to the current e-OSAGO there is a “Make changes” icon. After going to the new page, you will need to select the “Add driver” option.

If you want to change your personal data, you must send an application from your Personal Account with a file attached: new license, passport, PTS or STS (SOP). After processing the data, a new contract will be sent by e-mail, and the MTPL file in your Personal Account will be updated. If you added new drivers with little experience, a recalculation will be made, and you will first have to make an additional payment. Then the policy will come.

Making changes through an application in the office

To make changes to a regular OSAGO policy, visit the SOGAZ office. Here you will need to write an application in which you must indicate the personal information of the person allowed to drive the vehicle. Copies of the driver's license and passport of the person who will drive the vehicle should be attached to the document. An employee of IC SOGAZ will check the documents and recalculate the compulsory motor liability insurance. Then an invoice for the additional payment will be issued, and then the policy will be printed and handed to the client.

When do you need to make changes to your insurance policy?

According to the current legislation, the driver is no longer required to take a power of attorney from the owner of the car and have it certified by a notary. A document delegating the authority to perform certain actions with a vehicle is needed only to transfer property rights to another person: a friend, acquaintance, close or distant relative. Such registration activities include re-registration of the car to a new owner, its sale, export abroad, etc. To drive someone else's car, it is enough to include your name in the compulsory civil liability insurance policy for vehicle owners.

There can be many situations when a car owner transfers his car to another driver. For example, a father wants to give the right to drive his own car to his son or daughter, a husband to his wife, a friend to a friend, an employer to an employee.

The law does not establish a limit on the number of authorized persons. How many people to add to the insurance is decided solely by the car owner. The standard form provides for entering the data of only 5 insured persons, but if necessary, you can add the names of people on the back of the official document. The owner of the car has the right to enter any number of drivers into the form, but if there are many of them, it is better to purchase compulsory motor liability insurance “without restrictions.”

Additional payment for a new policyholder is made at any time, even if the policy has not yet expired. The amount is calculated using a formula based on the number of days remaining until the end of the already paid period. That is, the insurer calculates the amount payable exclusively for the actual period of use of the car under insurance.

What are the consequences of lack of insurance for a driver who is not included in the policy?

Remember that driving someone else’s car without an MTPL policy is strictly prohibited. If a traffic police officer, when checking documents, discovers that the driver’s name is not included in the insurance, he will issue a fine in the amount of 500 rubles or more.

If an accident occurs due to the fault of a person driving someone else's car, the costs of restoring the movable property of the injured party are transferred to the person who was driving at the time of the accident. The insurance company is not obligated to compensate for damage to a damaged car.

Another significant point. If the driver independently added his name to the document, then if the traffic police officer checks who is included in the MTPL policy by insurance number, the violator will be issued a fairly large fine. But the biggest danger lies in the fact that if you get into a traffic accident, the insurance company will refuse to compensate for the damage, and “petty fraud” will lead to significant expenses.

Required documents

In order to make changes to an electronic or paper policy, the following documents will be required:

1. Passport or other document identifying the policyholder or his representative.
2. A written power of attorney from the representative, which states the right to change the MTPL agreement.
3. Original insurance.
4. Receipt of payment, if preserved.
5. The driver's license of the person who will be included in the insurance.

It is important to remember that the insurer has no right to demand documents not provided for by the Federal Law “On Compulsory Motor Liability Insurance”.

How much does it cost to add someone else to your MTPL policy?

When calculating the cost of insurance, the following are taken into account:

• Driver's age (under 22 and over 45);
• Driving experience (up to one year and more than 11 years);
• Accident-free driving coefficient (bonus-low).

When taking out the first compulsory civil liability insurance policy for vehicle owners, this indicator is equal to 1. The adjustment CSB depends on the number of years during which the driver has never been involved in an accident. For each accident-free year, an additional 5% is subtracted from the calculated value (unit). The maximum coefficient can be 0.5.

The standard cost of a policy is calculated based on its base price multiplied by the bonus-malus coefficient (BMR) and the bonus-experience indicator (BSR).

For example, if a new policyholder’s driving experience exceeds 3 years, and he has not been in an accident for 5 years, then if the cost of the current OSAGO is 9,000 rubles, the additional payment will be 1,800 rubles . The formula looks like this:

9000*0,75*1,6=10800, 10800-9000=1800.

If the second driver is a person with good KBM and KBS indicators, then the insurance will not be more expensive.

How much does it cost to add a new driver to your policy?

You can make changes to a regular or electronic MTPL policy absolutely free of charge. IC "SOGAZ" does not charge a fee for service. The final insurance amount depends on the driver’s experience and rating. If he is young and has no experience in driving a vehicle, then the policy will cost more, so when recalculating, higher KMB and KVS coefficients are used. The difference will have to be paid. And if the driver is experienced and does not have any accidents, then in most cases you will not have to pay anything extra.

Procedure

To make changes to the insurance, the car owner or an authorized person must come to the office of the insurance company where the auto insurance policy was purchased. Edits to the current document are made by an employee of the company. The insurer may require the driver to:

• Original passport of the car owner;
• Vehicle registration certificate;
• The original of the current MTPL policy;
• Passport of the driver whose name will be included in the policy, and his driver’s license.

In rare cases, the insurance agent may ask for a handwritten statement. There is no significant difference in the package of documents and procedure for an existing policy and when applying for new insurance.

After examining the submitted documents, the manager will carry out the necessary calculations and name the amount of additional payment for the remaining days. After payment, the insurer will fill out a new form or add the driver’s name to the current MTPL policy. If changes are made to a valid document, it is additionally certified by the signature of an authorized person and the company’s seal. Information is submitted to the database within 3 working days .

You can also add a person to the electronic MTPL policy online. To receive an electronic version of the policy, you need to log in to the official website of the insurer where you purchased the current document, and then log into your personal account of the insurance company. Using the system’s prompts on how to add a driver to the electronic MTPL policy, the insurer must fill out all significant fields of the form. including the new driver's age and driving experience. After automatically determining the amount of the surcharge, you need to transfer money from your bank card to the insurance company’s account online. The document can be printed on a printer. A printed auto insurance policy has the same legal force as a printed paper one. This norm is defined in the Law on Compulsory Motor Liability Insurance (MTPL) in Article 32, paragraph 1.

The advantages of registering a vehicle license via the Internet are obvious. Firstly, it saves time, and secondly, the manager will not be able to impose on the policyholder services that he does not need. All accumulated discounts and bonuses for accident-free driving are retained by the insured person. The history is stored in the RSA database, to which all insurers and state traffic inspectors have access. If you lose your policy, the form can always be printed again.

What is needed for registration

It is quite simple to issue an electronic MTPL policy. In addition to the fact that you will need to register in the system, it is mandatory to provide documents on the basis of which the contract will be concluded. So, scan the following papers in advance:

• owner's passport;
• passport of the policyholder (if the owner and driver of the car are different people);
• driver's license of all persons who are allowed to drive a vehicle;
• certificate of registration of property rights;
• car passport;
• diagnostic card if the car is over 3 years old.

After you buy an electronic policy online once, in the future you will be able to renew it using a simplified scheme, since your data will already be saved in a single database RSA (Russian Union of Auto Insurers).

Copies of documents are attached to your personal account after registration. Be sure to check the clarity of the information they provide. Ingosstrakh employees will quickly check the submitted online application and confirm it in a few minutes. After that, all you have to do is pay for the service and receive the MTPL policy to the specified email address. You can print it out if you wish, or you can provide it to the traffic police officer in electronic form.