○ Operated by a person not included in the insurance:
Only those included in the policy are allowed to drive a car. Others cannot use the vehicle.
✔ What a responsibility.
If the unregistered driver ends up in an accident, compensation will be denied. All damage will be covered by the person responsible for the accident.
In addition, such a driver will face a fine.
- “Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy - entails the imposition of an administrative fine of in the amount of five hundred rubles. (Clause 1, Article 12.37 of the Code of Administrative Offenses of the Russian Federation).”
✔ How to add an additional driver.
You cannot register drivers yourself. To do this, you need to contact the insurance company and provide an additional driver's license. No additional payment will be required if the same coefficient applies as to the car owner. If the driver being entered is less experienced, then you will have to make a small difference, which is added up due to the applied coefficient.
- “For compulsory insurance contracts that provide for a limitation on the number of persons allowed to drive a vehicle, the insurance rate is calculated using the maximum value of the KBM coefficient determined for each driver allowed to drive a vehicle (clause 7 of the Note to Part 2 of the Bank of Russia Directive dated 09.19.2014 No. 3384 – U).”
✔ When it is possible not to include an additional driver.
There is no need to enter an additional driver if the policy provides for the use of a car without restrictions on the number of persons allowed to drive.
✔ Responsibility for unauthorized entry of the driver into the policy.
In essence, these actions are a violation of the insurance contract. If such a person gets into an accident, the insurance company will refuse to pay.
What is unlimited insurance
The first thing every driver needs to know is that there are limited or unlimited insurance policies. The restriction implies that only a specific list of drivers is allowed to drive a car. Unlimited MTPL insurance means that its coverage applies to any person with a driver’s license, even if he is not included in the contract. Naturally, this option will cost more, and it is not related to how much driving experience the policyholder has, that is, how experienced he is.
MTPL insurance without restrictions does not allow you to transfer control of the car to persons who are not specified in it. This is one of the reasons why it is not as popular in our country. Another reason is financial, because this policy of unlimited CASCO or OSAGO insurance will cost more. If the same car is used by several drivers, then several people can be included in the policy or protection can be immediately issued without restrictions. In the last option, in paragraph 3 and in the column “Concluded in relation to an unlimited number of persons” you can see a check mark. This is roughly what insurance without restrictions looks like in practice.
○ Advice from a lawyer:
✔ Registration of limited insurance for legal entities.
Organizations take out insurance in the same manner as citizens, with the only difference being that the owner of the car is a legal entity.
When filling out the application, an authorized person (manager or other employee acting by proxy) indicates the drivers allowed to drive. If they have different coefficients, then the largest one is applied.
✔ How to find out if your insurance is limited?
The policy form has a section dedicated to the number of persons allowed to manage it. There can be two options: the first is the sign o, meaning that anyone can drive the car, the second: the persons who can drive this car are listed.
This information can be obtained via the Internet on the RSA website by going to the policy check page. By entering the vehicle data in the appropriate fields, you can obtain information about the number of drivers allowed to drive, the insurance contract, and the name of the insurance company.
Published by: Vadim Kalyuzhny , specialist of the TopYurist.RU portal
Cost of unlimited insurance
Many car enthusiasts are rightfully interested in the question: how much does unlimited car insurance cost? You need to start with what factors influence its cost. First of all, this is the driver’s experience and his age. Secondly, how accident-free his driving was. That is, the more experienced and careful the driver is, the less insurance premium he will have to pay. In the event that several drivers are admitted, and each has their own individual parameters, the maximum value criterion will be applied.
Therefore, taking out an insurance policy with a limitation is very simple. If the cost of unlimited insurance seems quite high, then the standard procedure will apply. In the process of filling out the application, the owner indicates which people will be allowed to drive, and the driver’s license details are written down on the policy form.
The relatively high price of insurance without limits is its main disadvantage. After the revision of basic tariffs by the Central Bank and the Ministry of Finance, the coefficients that form its cost did not change. However, the answer to the question of which insurance is cheaper for an unlimited number of drivers lies in the increasing coefficient, which today is equal to 1.8. If a specific list of persons admitted for management is included in the policy, then its value will be equal to 1, that is, there will be no increase in price.
Benefits of the policy without restrictions
The so-called “open” insurance assumes that absolutely any driver can legally drive a specific vehicle. To do this, it is not even necessary to issue a power of attorney. There is also no need to notify the insurance company. The personal data of each person allowed to drive has a direct impact on the price of the policy.
The main advantages of choosing unlimited compulsory motor liability insurance are obvious. There is no need to worry about which driver will be behind the wheel of a particular vehicle today or tomorrow. That is, even if an accident occurs, it will be covered by insurance coverage. The main thing is that he has a driver's license and is not under the influence of alcohol or illegal drugs.
This type of insurance is appropriate when the owner of the car or one of the registered drivers is under 22 years of age and/or the total driving experience does not exceed 3 years. It turns out that when calculating the insurance payment, the maximum coefficient of 1.8 will still be taken. Under such conditions, it makes sense to buy compulsory motor insurance without restrictions and allow any driver to drive a vehicle if the need arises.
Disadvantages of an unlimited policy
The main disadvantages of an “open” policy come down to the following 2 main points:
- its cost immediately increases by 80%;
- discounts for accident-free driving (the so-called “KBM”) apply only to the owner of the car.
Unlike an “open” contract, unlimited insurance has another drawback. Every time you need to allow a new person to drive a vehicle, you will have to notify your insurer in writing. Even when the owner is nearby in the cabin, an unauthorized driver is prohibited from driving the car, otherwise the contract will not be valid. How much more expensive one type of contract is in relation to another, everyone decides for themselves.
KBM with unlimited insurance
We should start with what the abbreviation KBM represents. This is the “bonus-malus” coefficient, which in the language of insurers can be translated as “good and bad”. In other words, it represents the discount that you can expect for driving without accidents. This parameter can be either downward or upward. With its help, insurance protection can become more expensive or cheaper for the car owner.
It is not difficult to guess that the increasing coefficient is applied to those drivers who often become the culprits of road accidents. On the contrary, those who have not had an accident for a long time usually receive a discount on registration. The initial coefficient for a newly insured car is always equal to 1. Then it will change based on the number of accidents for each year of operation, decreasing by 5% from this value. The largest discount can reach 50% of the base payment - that is, experienced drivers theoretically pay 2 times less compared to beginners.
With each insured event, the size of the insurance premium will increase again. If you regularly get into road accidents, the cost of insurance can increase by 2.5 times. The bonus-malus parameter is not affected by insurance events in which the insured person was not found guilty, that is, the accident occurred due to the mistakes of others. KBM is necessary and taken into account in cases where we are talking about compulsory motor liability insurance with a limited list of persons included in the contract. To calculate the cost, the worst KBM from the entire range of drivers allowed to drive a vehicle is taken into account. Another important point is related to issues of ownership and management: the insurance history of the vehicle owner and his history as a driver are different and are taken into account separately when compiling compulsory motor liability insurance.
Do you need a power of attorney if the compulsory insurance is unlimited?
Just a few years ago, in order to drive someone else’s vehicle, you had to be included in the MTPL policy, as well as have a power of attorney from the owner of the car to drive it. This brought unnecessary trouble to drivers, after which changes were made to the legislative framework. Now, if the driver is listed in the MTPL insurance, then he no longer needs to have a power of attorney to drive. This document has been removed from the list of mandatory documents that may be required by a traffic police inspector.
The fact that the driver is noted in the OSAGO agreement for a specific car confirms the legality of his presence behind the wheel. It’s not at all difficult to add a new person to your car insurance policy. To do this, you can contact the insurer’s office directly or purchase the contract electronically. A power of attorney from the owner will now be required in strictly limited cases. For example, if you need to travel outside the country in someone else’s car, sell it, register or remove it, undergo a technical inspection or diagnostic card, etc.
How to calculate the cost of insurance
To choose the best offer, you need to calculate the cost of insurance. You can do this in two ways:
- Contact the nearest branch of the insurance company.
- Calculate yourself using an online calculator.
How can you find out the price of OSAGO yourself? Large insurance companies in Russia offer their clients such a function as an online calculator. It is located on the company’s website and before insuring the vehicle, you can make a preliminary calculation online. To do this, you need to fill out an insurance application and all the fields provided in it. When you fill in the correct information about the driver and car, you will only have to click “Calculate”. The final cost of the insurance policy from this insurance company will appear on the screen. If you are satisfied with it, you can apply for a policy online and it will be sent to you by email. This convenient way allows you to evaluate the most interesting and cheapest offers without leaving your home.
How to get an MTPL policy
">vehicle. But not only the owner, but also the driver driving the car with his consent can register it with the insurance company (the owner of the vehicle in this case will be entered in the “Owner” column, and the person who entered into the MTPL agreement will be entered in the “Insured” column).
- application (filled out in person at the insurance company);
- passport or other identification document of the vehicle owner;
- passport or other identification document of the applicant (if the policyholder is not the owner of the vehicle);
- a document confirming the registration of the vehicle specified in the application (vehicle passport, vehicle registration certificate, technical passport or similar document), except when it comes to a new car. After you register the car permanently and receive a technical passport, you will need to notify the insurer that the car is permanently registered with the traffic police;
- driver's license of the owner of the vehicle and, if necessary, persons who will be allowed to drive (only for obtaining closed insurance);
- diagnostic card with a mark on passing a technical inspection (for vehicles older than 3 years);
- previous compulsory insurance policy (if available).
Open or closed insurance
The new division will provide a full range of insurance services for pension and savings life insurance, as well as insurance against accidents and illnesses. Here, city residents will be able to receive professional advice on any issues related to life insurance, learn about the possibilities of returning 13% of personal income tax under programs, as well as carry out operations to pay regular premiums and settle losses.
If the insurance contract was not concluded or is expired, then you will be punished under Art. Article 12.37 clause 2 of the Code of Administrative Offenses – a fine of 500-800 rubles. If you drive a car on a day not specified in the policy, or the car is driven by a driver who is not included in the policy, the fine will be 300 rubles. (Article 12.37 clause 1 of the Code of Administrative Offences). If you show the inspector an expired policy, a fine will follow according to Article 12.3 clause 2 of the Code of Administrative Offenses - 100 rubles, and no parking fine.
Closed MTPL insurance
Another difference will be the cost of car insurance, since to determine it, not only the coefficient for the number of car drivers will be taken into account, but also the maximum value of the CBM applicable to each person included in the MTPL policy.
- Option #1. The column lists all drivers who can drive a vehicle (closed insurance).
- Option #2. There is a special mark in the “Unlimited number of persons” box, which implies the possibility of driving such a vehicle for any driver (unlimited insurance).
How much more expensive is open insurance than closed insurance?
For example, if you live in a metropolis, then, if possible, you can register your car in the name of a friend or relative who lives in a village or small town (read about how to register compulsory motor liability insurance in another region here).
OSAGO, because the very first traffic police inspector will reveal that he is driving the car illegally... this will protect your car from theft... or rather, it will not save you, but will help you find the thief quite quickly... There is also a third party - a policy with restrictions is much cheaper than an unlimited one... So that there are many nuances, and everyone must decide for themselves...
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Car insurance and everything related to it
I want to buy a car, I decided to find out how much CASCO and MTPL insurance will cost for it for six months. Age: less than 22, less than 3 years of experience, Chelyabinsk registration Car: 2021. 102 hp V-1500 cc see Hyundai Accent MT signaling with feedback Starline, non-credit. The price of a new one is 3******0 rub. When I insured the top ten under CASCO, I indicated the amount for which I wanted to insure, have the rules changed now? I would like to indicate an insurance amount lower than its cost, for example 2******0 rubles.
There is no such thing as open or closed. There is a concept of “limited number of drivers and unlimited”. I wrote everything above, if you read carefully what and how much it costs. If the policyholder wants to exclude someone from the list of drivers from the policy, he can write a corresponding application to his insurance company, where the policy was issued, the contract must be reissued, recalculated and the extra money returned.
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Useful tips
- Sometimes traffic police patrols find fault with the empty fields of a driver’s permit in an open compulsory motor liability insurance policy and even issue fines. Online people advise not to argue. I advise you to always argue in such cases. In a civilized, but firm and reasoned manner, draw the policeman’s attention to his negligence and unsuitability, as well as to the existence of higher authorities to whom you can send a complaint in writing.
- If you have to call the RSA support service, keep in mind that more than one specialist works there and they may all have different levels of knowledge in the area of your issue, and perhaps desire to help. Therefore, if you were simply “knocked off”, convinced that “everything is lost” and nothing can be done, call back again - another specialist can solve your problem.
- the manager turns a blind eye to your request to transfer KBM points when changing the insurance company The goal here is not to educate insurers (they know everything perfectly well), but to convince them of your knowledge.
