Buy compulsory insurance at Alfastrakhovanie - calculation, online calculator, customer reviews, registration, renewal of electronic policy. How to correctly make changes to the electronic insurance policy? In what cases are changes necessary?
If you have changed any of the information specified in the MTPL agreement, then you must convey it to your policyholder. This norm is established by law. At the same time, there is no strict time frame for this action, as well as measures regulating its ignoring in the form of a fine or non-payment for an insured event. If the information was incorrect initially (when preparing the documents), then in the worst case, the insurance contract will be declared invalid.
Special situations requiring mandatory amendments to insurance
There are factors in your life in which the possibility of emergency situations increases significantly. For example, if your mother-in-law also drives the car, or you have moved to another area or out of town. If you do not take care of timely amendments to the policy, then in the event of an accident, instead of payment, a monetary penalty in the form of a fine may follow.
Therefore, when you change your marital status, as a result of which you change your last name, or after receiving a new driver’s license (change of license), in order to avoid problems with law enforcement agencies and the insurance inspector, it is better to make the necessary amendments.
How to make adjustments
You need to contact the company that issued your insurance certificate and, with the help of an employee, make corrections. Please note that changes are made both on forms and electronically.
The cost of services in this case is determined as follows: if the possibility of accidents increases for various reasons (see special situations), then pay according to the tariffs; if you change your name or license, it’s free.
How to make changes to the electronic OSAGO policy
The insurance rules indicate that adjustments should be made not only electronically, but also in a paper official document. Therefore, even if in some companies it is possible to make the necessary amendments through the World Wide Web on the insurance website in your Personal Account, you will still have to drive up to the organization’s office and do the same thing again, as a result you will receive either a new policy or a document with the changes made . Moreover, not all aspects can be changed in the electronic database, and there is no point in doing double work.
"AlfaStrakhovanie", "RESO-Garantiya", "SOGAZ" offer their services online, including the purchase of compulsory motor vehicle liability insurance (MTPL), renewal of e-MTPL. After registration, a letter is sent to your email address, which is considered equivalent to a paper insurance policy form. If you contact these organizations, you will save time and do it when it is convenient for you. But this requires maximum care when filling out documents, depositing funds into the account of this organization, passing a check at the RSA, and the ability to have good computer skills. This is still a new technology in the insurance business, only you can decide whether to use it or not.
The new document duplicates the validity period of the previous insurance contract, its details, and the date of receipt. It is issued within a couple of days or immediately. The old policy, in addition to adjustments, must be re-certified.
The company must duplicate all changes in your insurance contract in the OSAGO electronic database. This will take up to 5 working days. Under no circumstances should you edit anything in a paper contract yourself. Such amateur activities fall under articles of the Criminal Code of the Russian Federation as forgery and use of documents.
The procedure for making amendments to the MTPL insurance policy
When registering a general power of attorney for a car, it is better to immediately add this clause (about the possibility of adjustments to the MTPL policy). Then you will not have to additionally visit a notary, because making changes is not always possible in person. It is better to draw up a trust document on a special form indicating the rights that you grant to an outsider. It is advisable to write them down in detail. The validity period of this document is from one to three years.
What information is not subject to adjustment: duration of the contract, replacement of the car, individual insuring the car. In these cases, a new OSAGO policy is issued, and the old document must be terminated.
Distinguish: changes in car license plates, change of owner, change in policyholder data - this is a reason to make amendments to the current insurance policy.
Post Views: 122
Drawing up a contract in the form between the parties implies that the policyholder undertakes to notify the insurer in writing of all changes that have occurred during the period of their cooperation. This is stated in the Federal Law “On Compulsory Motor Liability Insurance”. At the same time, it is necessary to notify both significant and minor changes.
How to change data in the electronic insurance policy? Considering the fact that the period allocated to the policyholder for making changes is unlimited, you should not neglect this procedure, because in the end, punishment is inevitable. All changes can be divided into two categories. Those that are included in the policy and at the same time, the insurance is not recalculated, and those facts, the inclusion of which implies a recalculation with a subsequent change in the amount.
Let's get acquainted with new facts that are entered into the contract in the form of compulsory motor liability insurance, and which do not imply recalculation of the insurance premium.
- This is information about the owner of the vehicle.
- Changes can be made if a legal entity is renamed, or a citizen’s surname is changed due to marriage, divorce, and so on.
- Information about the policyholder, for example, renaming the legal entity, changing the surname, changing the place of registration.
- Information about the model of the vehicle or its brand in connection with the reconstruction being carried out, while power and weight are not allowed to change.
- Changing or assigning a vin number to a car.
- Replacing the state registration mark.
- Replacing the vehicle title or transferring it.
- Changes in data about persons who have been authorized to use the machine. For example, changing your last name, issuing a new driving document.
Changes entailing recalculation
The second group of changes are those that may entail a recalculation of the premium up or down.
- This is a change in the period of use of the car within the duration of the insurance period.
- Changes regarding the restriction of persons authorized to use the machine.
- Changing the model or make of a car in connection with changes in engine power, weight, and the number of permissible passengers.
- Change of information about the owner of the car, including change of place of registration or permanent residence.
- Changes in the target use of the car.
- Changes to the general list of persons who can use a car for personal purposes.
Some companies that are authorized to issue insurance policies require reporting even such minor changes as a change in cell phone number or email address. You should also respect such requirements of Rosgosstrakh.
What cannot be changed in the electronic policy?
There are legal rules that mean that replacing some data in electronic format is simply not allowed. It is not allowed to make such changes during a personal appearance at the office.
- The policyholder cannot be changed to another person, but at the same time, data about him can be used.
- The insurance object also remains unchanged. The vehicle must remain the same.
- While the policyholder cannot change, the owner of the car, on the contrary, is allowed to change.
The procedure for making changes to the Osago electronic policy
It is important to follow a special procedure for making changes to the electronic policy. But it is worth noting that you will not be able to carry out such a procedure on your own, sitting at home in front of the monitor. There are still no appropriate government resources for this. But making changes to the electronic database through personal appearance is in your hands.
There are three ways to make changes to a document.
- Registration. The first one is registration. You can use this method if making changes does not require recalculation of the insurance amount. Changes are made to the database. The policy remains unchanged.
- Changes to the policy. Changes are made in the “special notes” field. The date and time of entry is indicated. The deadline is recalculated.
- Renewal of the policy. This is possible if we are talking about changing the contract, which will be affected by the amount of the surcharge. Due to the fact that changes are subject to a fairly large amount of information, the policy cannot be changed and a new document is issued.
Watch the video on how to make changes to your MTPL electronic policy.
Let's study several stages of your actions.
First stage
You must notify the insurance company of your intention to make a claim. A written method is suitable for this. Personal contact with the insurance company office is also welcome. You write a statement in your own hand at the office addressed to the head of the organization. However, you can draw up a similar document at home. The insurance company may offer you to draw up an application on its forms. The documents you submitted are reviewed by a company employee, and if everything is drawn up correctly, proceed to the second step.
Second phase
Compile a package of documents required for submission to the insurance company. It will include the following papers:
- photocopy of the applicant's passport,
- its original,
- original car policy,
- a document that will confirm the possibility of making changes,
- an application drawn up by you on the insurance form or yourself.
If a proxy is present in the case, then the original power of attorney.
Third stage
Depending on the category of recording new data, you will be given an old form with the marks made or a new policy. Sometimes some insurance organizations require you to pay extra in the insurance premium, in which case the excess parts will be returned to you through the cash register or on your card.
Fourth stage
Please read the changes carefully. They must be written clearly and without errors. If you find a typo or error, be sure to contact an insurance employee and redo the form on the spot.
How to add a driver to an electronic policy. Cases with additional payment and free of charge
This procedure will not cause you any trouble, however, today the ability to use electronic functionality is limited.
The fact is that electronic registration of the MTPL policy is currently provided, but the procedure for making changes, especially in the form of a new person, is not yet available. But today, work is underway to provide car owners with such an opportunity, and it is likely that in the near future you will be able to experience a similar service for yourself.
You must contact the insurance company office directly to request changes.
Cost (surcharges)
A separate question concerns the cost of this procedure. In order to add another driver to your policy, you need to pay money. In order to calculate the amount, you need to use the formula.
To do this, you must multiply the policy price equivalent, which is calculated from the driver's maximum experience factor multiplied by the remaining insurance period and minus the amount that is the old policy price.
The resulting amount is required for payment. However, you only need to pay if we are talking about a driver who has less driving experience than you. If you include a more experienced driver in your policy, whose experience exceeds yours, this means that there will be no additional payments on your part.
By entering the appropriate data requested by the site into the boxes, after a few seconds you will receive the final amount, which will be as close as possible to reality.
Conclusion
The procedure for making changes to electronic MTPL is at the testing stage and is far from perfect. But I would like to believe that in the near future this service will become available and you will be able to make changes to your MTPL policy without leaving your home.
There is no direct requirement in current legislation to have insurance in hand. However, to avoid any difficulties when checking documents by traffic police officers, it is best to use a regular printer and take your contract form with you. Today, traffic police inspectors can check the availability of this document from the driver using the unified RSA database (how?). But not in all regions of our country, traffic police officers have the equipment required to carry out such an inspection, so it is better to play it safe and have a copy of your motor vehicle license on hand.
Naturally, there will be neither a signature nor a seal on the copy of your e-policy(electronic insurance is certified by a signature, which is also in electronic format, or the document is certified using the SNILS number, since this number is an alternative to an e-signature). You can see what e-OSAGO looks like.
At the beginning of this year, the first complaints from insurance company clients regarding the issuance of a motor vehicle policy in electronic format were sent to the Central Bank of the Russian Federation. Clients complained about too many fields that must be filled in to receive a document through the Insurance Company website. After all, when a policy is issued on an original paper form, the policy form is filled out by the insurer, not the policyholder.
If you fill out the auto insurance form yourself on the insurance company’s website, you should carefully double-check all the information entered.
Particular attention should be paid to information about persons who are allowed to drive vehicles.
Also, insurance company clients complain about technical problems that arise when issuing an electronic version of the policy (read what to do if OSAGO online does not work). Another problem is that not all insurance companies currently provide the service of issuing a motor vehicle liability policy online. You can read about the pros and cons of using an electronic MTPL policy.
When applying for a motor vehicle liability policy via the Internet, you should keep in mind that the appearance of such a service immediately attracted the attention of scammers, which is why before applying for a policy, you should make sure that the insurance company you have chosen is on the list of RCA (where you can issue an electronic policy). You should also make sure that you are on the original SK website and not on its duplicate. In February of this year, many duplicate websites of insurance companies were discovered that sold insurance policies online illegally.
If you have purchased an electronic policy and doubt its authenticity, then you can check it using the unified RSA database. We wrote in how to do this online and offline.
Can amendments be made?
It is possible to make changes to the electronic format of the motor vehicle license agreement, as well as in a paper format policy (Clause number 10 of Chapter 1 of the Rules governing the sale of auto insurance policies dated February 29, 2016).
As practice has shown today, the insurance company still only applies amendments by employees of the insurance company, i.e. To make changes to the electronic compulsory motor liability insurance, it would be better for you to immediately go to the office of your insurance company.
What papers will be needed?
If you apply to the Investigative Committee with an application for admission to driving a vehicle, you will need the following list of documents:
- Passport or other identification document of the policyholder.
- The policy itself and a receipt for payment of the insurance premium (in fact, the original form is provided only if the policy was issued in paper form, but if the policy is in electronic format, then it is not required to be provided).
- If you want to add a new person to the policy who will be allowed to drive the vehicle, you will need: a driver’s license of the person who will be added to the policy.
The amount of the insurance premium depends on the insurance history of each person included in your policy as a driver. That is why, when adding new drivers, the cost of your policy may increase or, conversely, decrease.
You can read about how to make changes to an electronic policy if an error is found in it.
If you apply to the Investigative Committee with an application to make changes to the information on your driver’s license, you will need:
- The policyholder's passport or a document replacing it.
- The contract form itself and the payment receipt (if the policy was issued on paper).
- Your new driver's license.
In the event that changes are made regarding the state number of your vehicle, you will need:
- Passport or other document that confirms your identity.
- If the insurance was issued on paper, then you need to provide a contract and a receipt for payment.
- Your vehicle registration certificate.
Article 1.3 of the rules governing liability insurance to other road users states that the person carrying out the insurance is obliged to inform the insurance company of the registration number of the car within 3 working days after the car is registered and the registration plate itself is received.
If the policyholder's last name has changed, then to make changes to the insurance you will need:
- Passport or other identification document.
- Receipt and policy form if a paper version of the policy was issued.
- Documents confirming the change of your last name.
If changes are made to the owner column of the policy, you will need the following documents:
If you want to change the validity period of your MTPL insurance coverage (if the insurance was issued not for 1 year, but for example for 3, 6, 10 months), you will need:
- Policyholder's passport.
- Your insurance and a receipt confirming payment for your contract (not required for e-OSAG).
- PTS or STS of your car.
The amount of the insurance premium depends on the period of insurance coverage, i.e. The cost of your insurance may change up or down.
Step-by-step instruction
We'll tell you how to make changes to your electronic MTPL policy. If a citizen writes an application to the insurance company to make amendments to his insurance document, then first of all, the insurance company employees will have to record them. This is done by entering the relevant information into the “Special Notes” section of the policy form, in the same place The insurance company employee will have to indicate the date and time of changes to your compulsory insurance contract.
All changes made to the compulsory insurance policy must be certified by the signature of a company employee and the seal of the insurance organization. Or the policyholder must be issued a new OSAGO form with the changes already made within a maximum of 2 days.
The insurance organization must make changes to the unified RCA database no later than 5 working days from the date of making actual changes to the policyholder's motor third party liability policy.
How to do this when changing your driver's license?
To change the data when changing rights (no matter in what form the contract was concluded using a paper form or an electronic one), you will need to visit the office of your insurance company. There you will have to write a corresponding application and provide the insurance company employee with the necessary list of documents.
An insurance company employee will make the necessary amendments to the auto liability policy and you will receive a new policy (either paper or electronic, which will be sent to you by email using the method you used to register on the organization’s website).
Do I need to pay and how long should I wait?
The insurance company must make changes to the policyholder's contract absolutely free of charge. If the changes made have led to an increase in the cost of the policy itself, the insurance company will require an additional payment, for example, if the new driver is old and has little driving experience.
The insurance employee will calculate the additional payment. The amount you will need to pay extra is calculated based on the tariff that is in effect at the time the changes are made, but taking into account the remaining validity period of your insurance contract.
Possible problems and their solutions
Today, problems with making changes to the contract insuring the liability of citizens driving vehicles are common. For example, many insurers do not yet fully know how changes are made to a document drawn up in electronic format.
There are also problems for drivers who received a contract with changes, and when checking the document by traffic police officers, it turned out that there were no such changes in the RSA database.
If problems arise, you should initially contact your insurance company. If you were unable to resolve the issue with the insurance company, then you have the right to file a complaint with the RSA or the Central Bank of the Russian Federation, since these are the organizations that regulate issues of motor third-party liability insurance. You can also file your complaint with the courts.
Ask a question to an expert
Changes to the electronic MTPL policy are made by going to your Personal Account to the page of the insurance company where it was issued. If the insurance company’s Internet resource has special restrictions, then it is possible to make changes to the electronic policy only in the office of one of the company’s branches. This will have to be done if, for example, you use the services of the SOGAZ company.
The basis for the changes made is a statement in which clients specify all the desired adjustments regarding the already concluded contract. If the application is submitted through direct communication in the office, it must be in paper form, and if the application is submitted using the Personal Account on the website, an electronic application must be submitted. Only the person who is the policyholder is authorized to perform this operation; accordingly, he is indicated in the compulsory MTPL insurance policy in the first paragraph.
How to make changes to the electronic OSAGO policy
When an insurance company receives a corresponding application, the company registers it directly on the day of application or on one of two business days. They record your requirements in the so-called “Special Notes” of the insurance, and also indicate the date and time of changes. This procedure is confirmed by the signature of an authorized employee and the seal of the insurance company. After this, the new electronic policy is reissued.
In order for changes to the insurance policy to take effect, insurers must enter all information on the updated electronic compulsory motor liability insurance into the database of the Russian Union of Motor Insurers.
So, after contacting the insurance company with an application, the reissued MTPL policy is immediately submitted to a single database. The new electronic policy must be certified, that is, signed and stamped. Insurance companies such as Rosgosstrakh, RESO-garantiya, Renaissance, AlfaStrakhovanie and many others do not limit the number of people who can be included in e-OSAGO. This happens thanks to the opportunity to purchase an electronic insurance policy, which does not have a certain limit of persons included in the document. In practice, such a document is most in demand among Russians whose driving experience is not long enough.
If the list of persons in the insurance that the policyholder (client) wants to allow to drive the car expands, then it is necessary to notify the “insurance” before persons not listed in the document are allowed to drive. It is very important to understand that even if the policyholder is sitting in the passenger seat, a person who is not registered in OSAGO still does not have the right to drive. Naturally, this does not apply to cases where the policyholder has “unlimited insurance”. If the changes relate to the period of use of the vehicle, the client must 
report the adjustment to your insurer before this use period ends. This is done so as not to issue a new policy, but to renew your electronic insurance.
If you are purchasing e-OSAGO, but the car does not have license plates, then you need to pay attention to the second field of the policy. It is left blank. It is responsible for the registration plate. But this is done only in cases where the registration of the car is in the process, because this field will still need to be filled out within the next three working days. The insurance agent will fill out this column after you notify him of the meaning of the license plate.
How to add a driver to e-OSAGO
To do this, you will need to bring the following documents with you to the insurance company office:
- a statement according to which the tax agent will make the necessary changes and enter them into the database;
- an identity document (passport) of the person you are going to include in your policy;
- his driver's license to transfer the information to his insurance.
It is recommended to print out the electronic policy and take it with you. This is done in order to quickly present your e-MTPL to traffic police officers when checking documents. As you know, not all traffic police officers are equipped with devices that allow you to quickly check your insurance online.
Electronic MTPL has the same validity as paper. At the same time, the cost of such a policy does not increase. It is designed to simplify the insurance procedure and save time for clients.