Amendments have been made to the legislation on compulsory civil liability insurance of vehicle owners

When is it necessary to make changes to compulsory motor liability insurance?

A car insurance contract belongs to the category of legally significant documents. In this regard, all information contained in the policy must be updated in a timely manner.

Amendments to the MTPL policy, in accordance with the regulations of Federal Law No. 40, will be necessary if:

1. The terms of the contract are changing. For example, the owner of a car initially insured it for the summer period, but then decided to drive it all year round.
2. Lost or replaced driver's license. When receiving a new certificate or a duplicate, you also need to contact the insurer to make changes to the policy.
3. The policyholder's passport details have been changed. For example, a female driver got married or divorced, returning her maiden name.
4. Enrolling a new driver in the MTPL insurance.
5. The identification documents of the car are changed - registration certificate, COP, new numbers are obtained.

If, upon the occurrence of the listed cases, changes are not made to the policy, it is considered invalid. It will not be possible to receive insurance compensation for it if the driver gets into an accident. When a document is checked by a traffic police officer, the owner of a policy with outdated information will be fined. This applies to both the traditional paper format of the form and its electronic analogue EOSAGO.

In a number of situations, making changes to the MTPL policy is not provided for by law:

• When replacing one policyholder with another, while maintaining the same car in the contract. For example, when changing the owner of a vehicle.
• Adding another vehicle to the contract while maintaining the same policyholder. This need arises if the owner sells his previous car and buys another.

In these cases, the old insurance contract is terminated and a new one is renewed. You can change information about the owner of a car when selling it if the policyholder is a third party.

Responsibility for false information

At the legislative level, there is no fine or other sanctions for using insurance with outdated information, but provided that it is real and not issued by fraudsters. But insurers often deny such policies to persons injured in an accident, or reduce the discount for accident-free driving, for example, when the driver’s license plate is replaced, but there is no notification about it.

In some cases, difficulties arise with making changes to the car title agreement. For example, after receiving a new policy, a check reveals that there are no adjustments in the database. In this case, you must contact the central office of the insurer and report the incident. If employees refuse to investigate, then the client can protect his rights in court or by contacting the RSA and the Central Bank of the Russian Federation.

Advice! If it is not possible to contact the insurance company in the near future, then you should call the technical support service, which will tell you what to do and accept an application from the client.

Making adjustments to the e-MTPL policy is necessary if the basic information in the driver’s key documents has changed. Otherwise, there is a high risk of refusal to provide compensation in the event of an accident. Therefore, you should contact the operator immediately after receiving a new passport or moving to a new place of residence. The law does not establish a strict deadline for when this must be done, but delaying the process is not in the client’s interests, since no one can foresee the occurrence of an insured event. In this situation, the culprit will have to pay for the damage from his own budget.

How to make changes to an electronic policy, sample

To make changes to the electronic policy, you need to contact the employees of the insurer. Only the insurance agent has the right to correct the information specified in the policy, recording changes in a unified electronic register. In the insurance form, new information is certified by the employee’s personal signature and the organization’s stamp.

statements

Submitting an application for amendments to the MTPL policy is allowed only during a personal visit to the office of the auto insurer. It is not possible to correct the information contained in any insurance option – paper or electronic – remotely.

Through the RSA resource or the website of an insurance company, you can only purchase EOSAGO. In the case of data replacement, it is possible to make an appointment with an insurance agent in advance via the Internet so as not to waste time in queues.

Documents required for making changes, namely registering a new driver

How to make changes to the electronic insurance policy

To make changes, the client submits to the insurance company:

• application (the form can be obtained free of charge when contacting the insurance company);
• original of the current MTPL policy;
• passport or other document proving the identity of the policyholder;
• passport or other identification document and power of attorney, if the application is not submitted by the policyholder;
• if the policyholder is a legal entity, then the insurance company will require a power of attorney or an order confirming the right to sign documents by the person who submitted the application.

To confirm the changes, the policyholder additionally submits originals or certified copies of relevant documents, for example:

• when registering a new driver or replacing a license: driver’s license;
• when adding or changing the license plate: vehicle registration certificate;
• when changing the surname of a person specified in the policy: a document confirming the change of surname (marriage or divorce certificate, certificate of change of surname);
• when the owner of the vehicle changes: passport details of the owner, vehicle passport, purchase and sale agreement or other document confirming the fact of the change of owner.

To add an additional person to the current MTPL insurance policy, the following documents will be required:

1. Valid insurance policy.
2. Technical passport (a document that contains information about vehicle registration).
3. New driver's passport (identity document).
4. Driver's license of the person whose data is included in the insurance policy.
5. Application from the owner of the vehicle, in which he contacts the insurance company with a request to enter information about the new driver. The application is in the form of a form, filled out personally by the owner of the vehicle, without corrections or errors.
6. A certificate issued by the State Traffic Safety Inspectorate confirming the absence of involvement in an accident within the period specified by law.

Procedure for entering data

The process of entering information about an additional driver takes place directly at the office of the insurance company that issued the current insurance policy. The completed application by the vehicle owner is subject to verification by company employees. When the application is reviewed and a positive decision is made, the following documents are issued:

1. An insurance document that contains new information added.
2. A document confirming payment of the cost for entering new data.
3. A reminder for drivers about the civil liability insurance procedure.
4. Bank, which is filled out in case of involvement in an accident (two copies).

We will learn how to change the series and number of the driver's license in the electronic MTPL policy, enter individual information or enter a new owner of the vehicle.

You can submit a request to the Investigative Committee on the website www.ingos.ru. A personal account has been created on the portal. To activate it, you must register by entering your policy number. Provide your details and get access. Interestingly, you can log into your personal account using the State Services website if you are already authorized there.

After all the manipulations, an application is sent to the Investigative Committee, for consideration of which 2 working days are provided. There can be two answers: an updated electronic policy form or a refusal to make adjustments via the Internet. The employee will indicate the reasons for the impossibility of changing the information. In this case, you will have to visit the insurance company office to obtain a paper version of e-OSAGO.

On a note! For amendments and all other questions, you should contact the branch where the insurance contract was concluded. It is also recommended to call the company's call center in advance. They will tell you where to go, because sometimes all issues are resolved in the central offices.

Most insurance companies require you to provide a package of documents:

1. Personal passport or passport of another person with a certified power of attorney.

List of documents for application

When visiting the insurer's office, you need to have the established package of documentation with you. It will be required to confirm the identity of the policyholder and the authenticity of the changes being made.

1. A free-form application.
2. A photocopy of the personal passport of the owner (policyholder) of the vehicle.
3. When re-issuing a policy by a trusted person, he needs to have his passport and a power of attorney from a notary.
4. If you need to add a new person to the insurance, you must provide the original of his driving license and a photocopy of his personal passport. The presence of the driver himself is not necessary here.

What documents are needed to submit an application?

So, you need to enter changed information into the MTPL agreement. What documents do I need to bring to the auto insurer's office? By the way, you can drive up to any branch of the organization, not necessarily the one where you originally took out the policy. You must take the following list of documents with you :

• your passport;
• original policy;
• a document confirming that the above changes have been made - for example, a marriage certificate;
• if you represent the insurer, but are not one, you will need a notarized power of attorney;
• If you are registering a new driver, bring his passport and driver’s license.

During your visit, you will need to fill out a standard application form, which will be given to you there.

Instructions for making changes to UISAGO

The process of making changes to the MTPL policy is thoroughly prescribed in regulations. There are three forms of this procedure:

• Registration. Applies if the adjustments made do not entail changes in the price of insurance, or are of a minor nature. New information is simply entered into the electronic database without changing the UISAGO form.
• Making adjustments to the policy. New data is entered into the insurance form itself if it is of a legally significant nature.
• Re-registration. Required if the changes are fundamental: the insured car or its insurer changes.

The algorithm looks like this step by step:

1. First step. The MTPL policyholder notifies the company of the need to make changes to the current policy. You can notify the insurance agent about this during a personal visit to the office, by phone or online. After talking with an employee of the insurance company, you can find out additional information: a list of necessary documents, the cost of the procedure, waiting times.
2. Second step. Drawing up an application for adding new information to the insurance. It is written in free form, on a standard A-4 sheet, or on letterhead directly at the company’s office.
3. Third step. Collection of the necessary set of documents. Their list may be different and depends on the specific reason for making adjustments. You can find out what papers are required on the insurer’s website, or by contacting the company’s employees by phone.
4. Fourth step. The prepared package of documentation, when visiting the office, is submitted to the employees of the insurance company. After reviewing the submitted papers, they make a decision whether to grant the request or deny it. Reasons for refusal: insufficient documents, inaccurate information, expired documents provided, etc.
5. Fifth step. If no inconsistencies are found in the submitted papers, the necessary adjustments are made to the policy and the unified register of the RSA. Changes are certified by the signature of the agent and the seal of the organization. After this, the amended policy acquires legal force. If new data entails a recalculation of the MTPL price, then the policyholder will need to pay the difference and present a receipt to the insurer.

Once you receive your new insurance document, carefully check that it is filled out correctly. Sometimes inaccuracies and obvious typos creep into the adjusted policy. As a result, it is de jure considered invalid.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

And this is fraught with problems with traffic police officers and difficulties with paying compensation for damage if the driver gets into an accident. If any errors have been replaced after the inspection, contact your insurer immediately and request that they be corrected.

Analysis of special cases of making changes

Let's look at some features of special cases.

1. When adding a new driver to the policy, the auto insurer should provide his passport and driver’s license in the package of documents. If the driver is younger than everyone else who was included in the list before him or has the shortest driving experience, an additional payment may be required. You will also need to make an additional payment if the new driver has a high BMR. It is imperative to introduce a new person into the contract before entrusting him with the steering wheel. It is not allowed for a citizen who is not included in the policy to drive a car, even if the owner of the car is sitting nearby.
2. Changes to the period of use must be made before the end of the period specified in the form.
3. When changing your driver's license, the insurer must provide a new document. No additional payments will be required.
4. When changing your registration, the territorial coefficient may change, in which case you will need to either pay extra or receive a refund from the insurer. However, even if you simply changed one street to another in the glorious city of Voronezh, you should still notify the insurer about this, as required by law.
5. Replacing the state sign is usually carried out in the case when you have taken out insurance before registering the car. Then the column in the policy where it is indicated remains blank. Once you receive the numbers, you will have 3 days to notify your auto insurer.
6. The owner of the car can be changed upon presentation of the purchase and sale agreement and the passport of the new owner of the car. The insured may well remain the same because when an insured event occurs, the owner of the vehicle receives compensation. However, in some cases, the auto insurer may insist on early termination of the contract. In this case, part of the paid insurance will be returned to the policyholder, in proportion to the time remaining until the end of the insurance.

Do I need to pay and how long to wait?

Changes to the MTPL policy are made both free of charge and with additional payment. There is no need to pay additional fees for:

1. Changing the passport data of the vehicle owner or policyholder, if these are different persons.
2. When the owner of the car is an organization, there is no need to pay for changes to the policy after changing its name.
3. Change of registration number, technical passport, registration certificate.
4. Changed passport details of drivers included in the policy will also not require additional payment.

Some adjustments made to MTPL insurance will require recalculation of the contract. They will be registered only after paying an additional amount and providing a bank receipt as confirmation.

Recalculation is carried out in the following cases:

• The validity period of the car insurance contract is changing. If this period increases, the policyholder must pay extra for additional months. If the validity period is shortened, he, on the contrary, has the right to demand the return of the overpaid amount from the insurance company.
• Adding one more driver to OSAGO, in addition to those already included in the policy. Here, the need for additional payment and its size depend on several criteria. This is the age and driving experience of the new driver. If he is under 22 years of age, with little driving experience, then the policyholder will have to pay an additional amount for insurance.

This is due to the increased risk of an inexperienced driver committing an accident, and, consequently, to the increased likelihood of the company’s expenses for paying compensation for the damage caused to them. The same applies to the class of the person being entered in the KBM system. The lower the class, the more expensive it will cost to reissue an insurance policy.

• Technical changes in the design, as a result of which the engine power, the number of passengers carried, and the maximum weight of the vehicle became different.

According to the standards established in Federal Law No. 40, the insurer is given a period of three days to review the received set of documentation. The time it takes to make changes to the MTPL policy and information base is usually one, less often two, working days. If you arrange an appointment with an insurance agent in advance, the entire procedure can take less than an hour, provided that the accompanying documents are completely complete.

What data in the policy cannot be changed?

There are some basic data that under no circumstances can be changed in the contract. In this case, the old contract is terminated and a new one is concluded. What kind of data is this?

• When the vehicle itself changes.
• When there is a need to change the policyholder himself (not the owner of the vehicle, but the policyholder).
• When the policyholder wants to change the term of insurance (for example, you want to change temporary insurance to regular insurance).

How to change your insurance policy?

As soon as you receive a new driver's license, you should immediately visit the office of your insurance company and write an application to change your data. Usually the insurer provides the driver with a special template for this, but sometimes it itself makes all changes to the insurance based on the documents provided.

The application will need to be accompanied by:

• passport of a citizen of the Russian Federation;
• vehicle registration certificate;
• new driver's license;
• current MTPL insurance policy.

Sometimes the insurer may require a certain fee to be paid when changing information in the insurance; this is not prohibited by law (for example, if the insured person has a short driving record). However, serious and large insurance organizations rarely charge money for this.

As a result, a record of new rights will appear on the insurance policy form in the “Special Notes” column, as well as the date and time the change was made to the policy. In very rare cases, it may be necessary to make a duplicate of the insurance policy, which takes no more than 2 days. All changes to the compulsory motor third party insurance (MTPL) insurance are made to the electronic database by the insurer within the next 5 days.

Making changes requires the driver to appear in person at the insurance company's office. This cannot be done via the Internet or by phone. The application can be written either by the policy holder himself or by his authorized representative if he has a power of attorney correctly executed by a notary.

The right to add drivers to the MTPL policy

When concluding an insurance contract, the insurer assumes financial responsibility in the event of an insured event. The insurance contract is valid for 1 year. These legal relations are regulated by the Federal Law “On compulsory civil liability insurance of vehicle owners” and the Bank of Russia Regulation “On the rules of compulsory civil liability insurance of vehicle owners” (hereinafter referred to as the Regulation).

In accordance with Art. 1.1 of the provisions, the legal owner of the vehicle has the right to conclude an insurance agreement in relation to himself and the circle of persons specified in the contract. In addition, the policyholder can allow an unlimited number of people to drive a car, provided that the permission to drive the vehicle has legal grounds.

In 2021, the Russian Ministry of Finance indicated that if the applicant complies with all mandatory requirements, insurers do not have the right to refuse to conclude MTPL contracts. This rule also applies to cases of changes to existing MTPL agreements. A change typically means adding a new driver to your existing insurance policy.

When should you notify your insurance company?

To promptly notify the policyholder of any changes in personal data, including when replacing licenses due to the expiration of the validity period, is the responsibility of the driver, which is usually stated in the insurance contract, in the section “Rights and Obligations of the Parties.” And always remembering this responsibility is in the interests of the driver himself. This will save you in the future from possible problems with the insurer, who may try to refuse insurance payment on the basis of failure to fulfill the terms of the contract.

Do I need to completely replace the MTPL insurance form when replacing a driver’s license? No, when changing a driver’s license, the insurer must only change one line in the insurance policy and put a special note in the column about the previous license (their number, date of issue).

In this case, the entire policy is not replaced. And putting this mark on the policy is free of charge at any serious insurance company.

Changes to insurance are required in the following cases:

• the list of persons who are allowed to drive a vehicle (enrolled in the MTPL policy) has changed;
• one of the drivers included in the insurance replaced his driving license;
• registration of a new car with the traffic police, if insurance for it was previously issued (the vehicle owner is given only 3 days after registration for this);
• it is necessary to change the period of operation of the vehicle.

In the following cases, it will not be possible to make adjustments to the insurance contract; you will need to draw up a new document:

• change of vehicle (insurance is always issued for a specific vehicle);
• the owner of the car has changed (or the policyholder himself has changed);
• the term of car insurance has changed (the previous insurance is terminated, and then a new contract is concluded);
• the insurance policy was lost, stolen or damaged;
• The driver’s personal data has changed (change of last name, first name, patronymic).

How to avoid zeroing the KBM coefficient?

Another unpleasant consequence of the fact that the driver did not notify the insurance company about the replacement of the driver’s license is the reset of the bonus-malus coefficient. If the driver did not provide the insurer with information about his new driving license after changing his license before the expiration of the compulsory motor liability insurance policy, then when applying for new insurance, he may be credited with a new insurance coefficient.

That is, the bonus malus will be awarded to a new driver, and the old value will be reset to zero. Accordingly, the cost of the MTPL policy may increase.

What to do with insurance to try to save your KBM coefficient when replacing your license? When submitting an application to make changes to the insurance in connection with a change in the driver’s license number, you must also write a special request to preserve the previously accumulated bonus-malus coefficient.

In some companies, this can be done orally, but it is better to secure the request in writing. This way there will be a greater chance that this request will not be forgotten and all the necessary information about new rights will be promptly entered into the RSA database.

The KBM coefficient is maintained if all information about new rights and changes in other data is entered into the unified electronic database of the RSA in a due time. And only a representative of the insurance company can do this.