November 26, 2019
Is a new contract needed?
Procedure for entering data
When is it needed?
Apply for a new policy
The legislation contains a list of reasons that may lead to the replacement of a car license. Among the list of such situations it should be noted:
- Exchange in case of expiration of insurance;
- If your driving license is lost or stolen;
- When changing your surname, for example, due to marriage;
- The document has become unusable and cannot be read;
- The ID has been damaged due to washing or other circumstances.
The driver can also receive a new document if he changes his category to driving. In all such situations, the question arises, what to do with car insurance? In this article we will try to answer this question?
It is necessary to conclude a new MTPL agreement when changing the driver's license
At the time of receiving a new driver's license, a person is issued a document series. Numbers that do not coincide with the previous license, and at the same time with the parameters specified in the current car insurance contract. This situation causes serious concern among vehicle owners.
However, the new license that is issued to the driver has a special section in which the data from the previous document is entered. This means that for traffic police officers such a change will not be a problem and a reason for imposing sanctions against the driver. Insurance companies also do not require the re-conclusion of a new contract, since they are quite satisfied that the client has paid for the policy and therefore updating the document is not important for them.
According to the law, replacing the MTPL policy when replacing rights is not a necessary action today. All the driver needs to do when replacing a driver’s license or, for example, changing his last name is to submit an application where the new data (numbers, series) will be indicated. Then he can continue to drive a car, using the policy concluded under the old document. At the same time, the driver needs to remember that the concluded contract contains a clause that obliges him to send a notification to the insurance company about acquiring a new license within five days after the end of the procedure. There are precedents when insurers ask a client to enter into a new MTPL insurance policy with them in order to avoid possible unforeseen situations in the future.
Although, as mentioned above, the exchange of temporary residence does not require the replacement of the contract. Many experienced drivers recommend renewing the MTPL policy agreement so that insurers do not even have grounds for freezing payments due to an “incorrectly executed document.”
How to enter new data into an electronic MTPL policy?
If the contract with the insurer was concluded online and the owner of the vehicle was issued an electronic MTPL, you can count on the possibility of changing the driver’s license number directly on the service provider’s website in your personal account.
However, not all companies provide such an opportunity. This is explained by the fact that all changes are made in your personal account, where only the direct user has access. And in order to legally change the information in the electronic policy, you need to involve a company employee. However, over time, insurers promise to begin a detailed study and answer how new information can be entered online legally.
Therefore, regardless of the method of issuing a policy and its type, you need to personally visit the office to enter new data. Changes are made as follows:
- the owner of the vehicle writes an application indicating the number of the issued certificate;
- a company employee processes the request and, having verified the authenticity of the rights, makes a new entry in the electronic compulsory motor liability insurance. You can find information in the “Special Notes” column.
Some companies have already provided users with the opportunity to enter new data themselves. To do this, you need to log in to your personal account and enter the updated information in the appropriate column of E-OSAGO. However, large insurance companies prefer to change data directly upon personal contact from the driver.
How changes are made to OSAGO insurance when a driver replaces a driver’s license
The OSAGO motor insurance document assumes that in the event of an accident, it is the insurance company that bears the costs associated with vehicle repairs. Moreover, the policy owner is obliged to notify insurers as soon as possible in the event of a change of driver’s license for one reason or another. This is extremely important for vehicle owners to remember, because if an insured event occurs and the compulsory motor liability insurance policy contains outdated numbers and series, the insurance company has every reason to refuse to cover the costs.
If the driver has replaced his license, he does not have to renew the contract, but he must notify the insurers as quickly as possible . This will allow specialists to make changes to the MTPL policy and make special notes in the database, which is used, including by traffic police officers. The new data will allow the driver to avoid problems after replacing his license.
What changes can be made to the insurance?
Many car owners often wonder whether it is possible to add a driver to OSAGO and how to do this correctly. Such cases include extending the period of use of the vehicle and changing ownership upon sale. Frequent clients of insurers on these issues are people involved in transportation in taxis or on shuttle buses. Regardless of the reason for changing certain information in the policy, you must keep in mind that the insurer may refuse the applicant if an insured event occurs.
Among other things, changes to the MTPL agreement can be made for a fee or free of charge.
Enter a new driver
So, for example, you can add a driver to your insurance for free, or you can pay for it, depending on certain conditions. Here the decreasing (or increasing) coefficient KBM is important. Depending on the driver’s “accident level,” his coefficient may decrease or increase. For example, a driver who has very rarely been involved in an accident, or has never had one at all, has a fairly large discount when calculating insurance, and if it is higher or equal to the discount of other drivers driving this vehicle, then no fee is charged for including such a driver in the MTPL policy. If the potential driver of the vehicle is a beginner, then the policyholder will be forced to increase the cost of the contract, almost doubling it.
Increase the insurance period
An increase in the period of car insurance always comes with an additional payment by the policyholder. What additional payment will need to be made depends on the period for which the car is already insured and the period of the desired extension of the MTPL contract. At the same time, the total cost of the policy for the year does not change.
Change personal information
To change any personal information, such as your driver's license or last name, you must contact your auto insurer and provide the updated information. To update information about a changed driver's license, you need to provide a new driver's license and an application for making changes to the MTPL policy. If your surname changes, you will need to present your passport. All such changes are made to the MTPL agreement free of charge.
What happens if you do not enter information about replacing a driver’s license in the compulsory motor liability insurance policy, watch the video:
An error was made
If there is an error or typo in the MTPL policy, you will also have to go through the procedure for making changes.
Selling a car
And finally, let’s consider the case of selling a car before the expiration of the compulsory motor liability insurance policy. There are two options: the previous owner either donates the remaining insurance period to the new owner of the car, or terminates the insurance contract early and returns part of the money. In the first case, it will be necessary to change the owner of the car. For documents, you will need the passports of the new and former owner, as well as a diagnostic card of the car.
How quickly do you need to notify the insurance company about the replacement of rights?
At the moment, the legislative norms on car insurance do not have a special section indicating the exact timing of notification of insurers by the owner of the car in the event of a change of driver's license. However, experts recommend doing this as quickly as possible. In this case, the owner of the car must have the following package of documents with him:
- Civil passport;
- Vehicle registration certificate;
- New driving license;
- A valid insurance contract.
Arriving at the company’s branch, the car owner will have to write a statement according to which in the future insurers will make changes without replacing the insurance contract in the electronic database. At the same time, no one will replace the MTPL insurance itself; all the specialist will do is enter the series and numbers of the newly acquired rights in a special column of the document, and also indicate the date when the changes were made.
If the insurance company specialists are satisfied with everything, then the necessary changes are entered into the policy immediately, after which the owner will be able to safely use the car.
How quickly new data is added to the database
How to make changes to an old policy?
In other cases, you will not have to purchase a new MTPL. But you will need to contact your insurance agent. The company will reissue the document and issue a new one.
The exception is the multidrive policy. It does not include driver's license information.
OSAGO calculator
If you have a paper version of OSAGO
Owners of a paper policy will need to write an application to the insurance company where the insurance was issued.
If the rights of the policy owner have changed, then his personal presence is required. As a last resort, a trusted person with a notarized power of attorney from you can come to the office of the insurance company for you.
If the rights of a person included in the policy have changed, then his presence will not be required. But the policy owner will still have to visit the company’s office.
What documents do you need to take with you:
- Passport;
- Documents for the car (PTS and STS);
- OSAGO;
- New rights;
- Receipt of payment.
How does the procedure work?
The car owner must be extremely interested in the procedure for making changes to the insurance papers, because in such a case, replacing the insurance policy is not required. Moreover, practice shows that MTPL policies need to be kept in order.
The algorithm of actions is as follows:
- The owner must prepare the established documentation package;
- Next, he needs to go to the branch of the insurance company that provided him with the OSAGO auto insurance document;
- At the department, the driver needs to write a statement to make the necessary amendments ;
- If everything is in order, the company specialist will immediately make notes (number, series of the new certificate) in the section of the insurance contract.
Next, the company’s employees will independently enter changes into the database so that the driver does not have problematic situations with the traffic police.
How quickly new data is added to the database
According to current rules, the insurance company must make amendments with new numbers, series, to a publicly accessible database within five days. This will allow the driver to have a firm guarantee that he will receive the payments due to him in the event of a traffic accident requiring car repairs.
You can apply for amendments here.
Applications for making adjustments can be found here.
What to do with insurance when replacing a license?
In accordance with paragraph 8 of Art. 15 of Federal Law No. 40 “On Compulsory Motor Liability Insurance”, if there is a change in the initial data of the insured person used when concluding an insurance contract, he is obliged to immediately notify the insurer about this in writing. The motorist writes a statement in free form, which contains:
- name, registration address and region of the insurance company;
- details of the MTPL agreement: number and date;
- name of the application: on changing the terms of the MTPL agreement;
- a request to enter new data (driver’s license number);
- list of documents in the attachment: copy of the document and agreement.
The document is dated and signed by the applicant. It must be sent to the insurer’s address by mail or in person according to the citizens’ reception schedule. In the first case, it is necessary to send it by letter with a receipt confirmation and a description of the attachment. The service is provided free of charge. Changes will be made within 5 working days (Part 9, Article 15 of Federal Law No. 40).
