Buy OSAGO in "AlfaStrakhovanie" - calculation, online calculator, customer reviews, registration, renew an electronic policy. How to make changes to the electronic OSAGO policy? In what cases it is necessary to make changes
If you have changed any of the information specified in the OSAGO agreement, then you must convey it to your insured. This rule is established by law. At the same time, there are no strict time frames for this action, as well as measures regulating its ignoring in the form of a fine or non-payment in an insured event. If the information was incorrect initially (during the paperwork), then in the worst case, the insurance contract will be declared null and void.
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 drives a car besides you or you moved to another area or out of town. If you did not take care of the 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 changing marital status, as a result of which you changed your last name, or after receiving a new driver's license (change of rights), 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 the forms and in the electronic version.
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 changed your name or rights, then it's free.
How to make changes to the electronic OSAGO policy
The insurance rules state that adjustments should be made not only in electronic form, there must be a paper official document. Therefore, even if some companies have the opportunity to make the necessary amendments through the World Wide Web on the insurance website in the Personal Account, you still have to drive up to the office of the organization 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 points can be changed in the electronic database, and it makes sense to do double work.
AlfaStrakhovanie, RESO-Garantiya, SOGAZ offer their services online, including the purchase of OSAGO, e-OSAGO renewal. After registration, a letter will be sent to your email address, which is considered equivalent to a paper form of an insurance policy. 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 an examination at the PCA, and the ability to have a good command of a computer. This is still a new technology in the insurance business, it is up to you to decide whether to use it or not.
The new document duplicates the validity period of the previous insurance contract, its details, and indicates the date of receipt. It is issued within a couple of days or immediately. The old policy, except for adjustments, must be re-certified.
The company is obliged to duplicate all changes in your insurance contract in the OSAGO electronic database. This takes up to 5 working days. In no case do not edit anything yourself in a paper contract. Such amateur performance falls under the articles of the Criminal Code of the Russian Federation as a forgery and the use of documents.
The procedure for amending the OSAGO insurance policy
When issuing a general power of attorney for a car, it is better to immediately make this item (about the possibility of adjustments in the OSAGO policy). Then you do not have to additionally visit a notary, because it is not always possible to make changes personally. 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. This document is valid for one to three years.
What information is not subject to adjustment: the term of the contract, the replacement of the car, the individual who insures the car. In these cases, a new OSAGO policy is issued, and the old document must be terminated.
Distinguish: changes in car numbers, change of owner, change in the data of the insured - this is the reason for amending the current insurance policy.
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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 evidenced by the Federal Law "On OSAGO". At the same time, it is necessary to notify both major and minor changes.
How to change the data in the electronic OSAGO policy? Given the fact that the period allocated to the policyholder for making changes is not limited in any way, this procedure should not be neglected, because in the end, the 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 the new facts that are entered into the contract in the OSAGO form, and which do not imply recalculation of the insurance premium.
- This is information about the owner of the vehicle.
- Changes can be made if the legal entity has been renamed, or the name of a citizen has changed due to marriage, divorce, and so on.
- Information about the insured, for example, renaming the legal entity, changing the name, changing the place of registration.
- Information about the model of the vehicle or its brand in connection with the ongoing reconstruction, while the power and weight are not allowed to change.
- Changing or assigning a vin number to a car.
- Replacing the state sign of registration.
- Replacement of TCP or its transfer.
- Changing the data of persons who have been authorized to use the machine. For example, changing a surname, issuing a new driving document.
Changes leading to recalculation
The second group of changes are those that may entail recalculation of the premium up or down.
- This is a change in the period of use of the machine within the duration of the insurance period.
- Changes regarding the restriction of persons who are allowed to use the machine.
- Changing the model or brand of the car in connection with actions to change the engine power, weight, number of allowable passengers.
- Changing information about the owner of the car, including changing the place of its registration or permanent residence.
- Changes in the target orientation of the use of the car.
- Changes to the general list of persons who can use the car for personal purposes.
Some companies that are authorized to issue an OSAGO policy require you to report even minor changes, such as a change in cell phone number or email address. You should also respect such requirements of Rosgosstrakh.
What can not be changed in the electronic policy?
There are statutory rules that suggest that the replacement of some data in electronic format is simply not allowed. It is not allowed to make such changes in person at the office.
- The policyholder cannot be changed to another person, but at the same time, data about him can be used.
- The object of insurance also remains unchanged. The vehicle must remain the same.
- Despite the fact that the policyholder cannot change, the owner of the car, on the contrary, is allowed to change.
The procedure for making changes to the CTP electronic policy
It is important to follow a special procedure for making changes to the electronic policy. But it is worth noting that on your own, sitting at home in front of the monitor, you will not be able to carry out such a procedure. There are no appropriate state resources for this yet. But to make changes to the electronic database through a personal appearance is in your hands.
There are three ways to document 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.
- Policy changes. Changes are made in the "special marks" field. Enter the date and time of entry. The term is recalculated.
- Policy renewal. Perhaps if we are talking about changing the contract, which will be affected by the amount of the surcharge. Due to the fact that the changes are subject to a sufficiently large amount of information, the policy cannot be changed and a new document is issued.
Watch the video on how to make changes to the electronic OSAGO policy.
Let's take a look at some of your steps.
First step
You must notify the insurance company of your intention to make a claim. For this, a written method is suitable. A personal appeal to the office of the insurance company is also welcome. You yourself in the office write a statement addressed to the head of the organization. However, you can draw up a similar document at home. The insurance company may offer you to make an application on their forms. The documents submitted by you are reviewed by an employee of the company, and if everything is correct, proceed to the second step.
Second phase
Prepare a package of documents required for submission to the insurance company. It will include the following papers:
- a photocopy of the applicant's passport,
- its original
- original car policy
- a document that will confirm the possibility of making changes,
- a statement drawn up by you on the insurance form or on your own.
If there is a trustee in the case, then the original power of attorney.
Third stage
Depending on the category of fixing new data, you will be given an old form with marks made or a new policy. Sometimes some insurance organizations require you to pay extra in the insurance premium, and in this case, the extra parts will be returned to you through the cashier or on the card.
Fourth stage
Please review the changes carefully. They must be written clearly and without errors. If you find a typo or mistake, be sure to contact the insurance officer and redo the form on the spot.
How to add a driver to an electronic policy. Cases with surcharge and free of charge
Such a procedure will not cause you any trouble, however, today the ability to use electronic functionality is limited.
The fact is that the electronic registration of the OSAGO policy is currently provided for, 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 such a service for yourself.
You need to apply directly to the office of the insurance company with an application for 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 must use the formula.
To do this, you must multiply the policy price equivalent, which is calculated from the maximum driver experience factor multiplied by the remaining insurance period, and minus the amount, which is the old policy price.
The resulting amount is required to be paid. However, you only need to pay if it is a driver who has less driving experience than you. If you include in your policy a more experienced driver whose experience exceeds yours, then this means that there will be no additional payments on your part.
By entering the relevant data requested by the site in the boxes, after a few seconds you will receive the final amount, which will be as close to reality as possible.
Output
The procedure for making changes to the electronic OSAGO is at the testing stage and is far from perfect. But I want to believe that in the near future this service will become available and you will be able to make changes to the OSAGO policy without leaving your home.
There is no direct requirement in the current legislation to have insurance on hand. However, so that when checking documents by traffic police officers, you do not have any difficulties with the form of your contract, it is best to use a regular printer and carry it with you. To date, traffic police inspectors can check that the driver has this document using a single PCA database (how?). But not in all regions of our country, traffic police officers have the equipment required for such an inspection, so it’s better to play it safe and have a copy of your motor vehicle citizen on hand.
Naturally, there will be no signature or seal on the copy of your e-policy(electronic OSAGO is certified by a signature, which also has an electronic format, or the document is certified using the SNILS number, since this number is an alternative to the e-signature). You can see what e-OSAGO looks like.
At the beginning of this year, the first complaints from clients of the insurance company were sent to the Central Bank of the Russian Federation regarding the issuance of an auto-citizenship policy in electronic format. Clients complained about too many fields that must be filled in to receive a document through the UK website. After all, when applying for a policy on the original form in paper form, the insurer fills in the policy form, and not the insured.
If you fill out the autocitizenship form on the website of the insurance company yourself, you should carefully double-check all the information entered.
Particular attention should be paid to information about persons who are allowed to drive the vehicle.
Also, IC customers complain about technical problems that arise when applying for 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 an auto civil liability policy online. You can read about the pros and cons of using an electronic OSAGO policy.
When applying for an auto civil liability policy via the Internet, it should be borne in mind that the appearance of such a service immediately interested scammers, which is why before issuing a policy, you should make sure that the insurance company you have chosen is on the PCA list (in which you can issue an electronic policy). You should also make sure that you are on the original UK site, and not on its duplicate. In February of this year, many SK duplicate sites 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 a single PCA database. How to do this online and offline, we wrote in.
Can amendments be made?
It is possible to make changes to the electronic format of the auto-citizen agreement, as well as in a paper-based policy (Clause 10 of Chapter 1 of the Rules governing the sale of auto-citizen policies dated February 29, 2016).
As practice has shown today, the UK still applies only the introduction of amendments by employees of the UK, i.e. to make changes to the electronic OSAGO, 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 UK with an application for admission to the management of the vehicle, you will need the following list of documents:
- Passport or other document proving the identity of the insured.
- 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 provide it).
- In the event that 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 included in the policy.
The amount of the insurance premium depends on the insurance history of each person inscribed on your policy as a driver. That is why when adding new drivers, the cost of your policy may increase or, on the contrary, decrease.
You can read about how to make changes to an electronic policy if an error is found in it.
In the event that you apply to the UK with an application to amend your driver's license information, then you will need:
- Passport of the insured or a document replacing it.
- The contract form itself and a receipt for payment (if the policy was issued on a paper form).
- 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 an agreement and a receipt for payment.
- Your vehicle registration certificate.
Article 1.3 of the rules governing liability insurance to other road users says that the person providing 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 surname has changed, then in order to make changes to the insurance, you will need:
- Passport or other identity document.
- Receipt and policy form if a paper version of the policy was issued.
- Documents that confirm the change of your last name.
In the event that changes are made to the policy in the column owner, then you will need the following documents:
If you want to change the period of validity of your OSAGO insurance coverage (if the insurance was issued not for 1 year, but for example for 3, 6, 10 months), you will need:
- Passport of the insured.
- Your insurance and a receipt confirming the payment of your contract (not required for e-OSAGO).
- PTS or STS of your car.
The amount of the insurance premium depends on the period of validity of the insurance coverage, i.e. The cost of your insurance can change both up and down.
Step-by-step instruction
We will tell you how to make changes to the electronic OSAGO policy. In the event that a citizen writes in an insurance application to amend his insurance document, then first of all the employees of the insurance company will have to fix them. This is done by entering the relevant information in the "Special Marks" section of the policy form, ibid. the IC employee will have to indicate the date and time of making changes to your compulsory insurance contract.
All changes made to the compulsory insurance policy must be necessarily certified by the signature of an employee of the company and the seal of the insurance organization. Or, the insured 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 RSA database no later than 5 working days from the date of actual changes to the insured's motor third party liability policy.
How to carry out when changing a driver's license?
To change the data when changing rights (no matter in what form the contract was concluded using a paper form or electronic form), you will need to visit the office of your insurance company. There you will have to write an appropriate application and provide the employee of the insurance organization with the necessary list of documents.
An employee of the insurance company will make the necessary amendments to the auto civil liability policy and you will receive a new policy (either paper or electronic, which will be sent to your mail using which you registered on the website of the organization).
Do I need to pay and how long to 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, then the insurance company will require an additional payment, for example, if the new driver has a small age and driving experience.
The insurance officer will calculate the additional payment. The calculation of the amount that you will need to pay extra is based on the tariff that is valid at the time of the changes, but taking into account the remaining term of your insurance contract.
Possible problems and their solutions
To date, problems with making changes to the contract insuring the liability of citizens driving the vehicle are common. For example, many insurers themselves 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 the traffic police, it turned out that there were no such changes in the PCA database.
In case of problems, you should first contact your SC. In the event that you failed to resolve the issue with the IC, then you have the right to file a complaint with the RSA or the Central Bank of the Russian Federation, since it is these organizations that regulate motor third party liability insurance. You can also take your complaint to the courts.
Ask an expert
Changes to the electronic OSAGO policy are made by going to the Personal Account on the page of the insurance company where it was issued. If the Internet resource of the insurance company has special restrictions, then it is possible to make changes to the electronic policy only at the office of one of the company's branches. This will have to be done if, for example, you use the services of SOGAZ.
The basis for the amendments is a statement in which the clients prescribe 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 made using the Personal Account on the website, an electronic application is submitted. This operation is authorized only by such a person who is the insured, respectively, he is indicated in the compulsory OSAGO insurance policy in the first paragraph.
How to make changes to the electronic OSAGO policy
When an appropriate application is received by the insurance company, the company registers it directly on the day of the application or on one of two business days. They record your claims on the so-called "Special Marks" of the insurance, and also indicate the date and time of the change. This procedure is fixed by the signature of an authorized employee and the seal of the insurance company. After that, the electronic policy of the new sample is reissued.
In order for the changes in the insurance policy to take effect, insurers must enter all information on the updated electronic OSAGO into the database of the Russian Union of Motor Insurers.
So, after contacting the insurance company with an application, the reissued OSAGO policy is immediately submitted to a single database. Without fail, the new electronic policy must be certified, that is, signed with a seal. Insurance companies such as Rosgosstrakh, RESO-guarantee, Renaissance, AlfaStrakhovanie and many others do not limit the number of people who can be included in e-OSAGO. This is due to the opportunity to purchase an electronic insurance policy, in which there is no 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 insured (client) wants to allow to drive the car is expanding, then it is imperative 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 sits in the passenger seat, then a person who is not registered in OSAGO still does not have the right to drive. Naturally, this does not apply to those cases where the insured has "unlimited insurance". If the changes relate to the period of use of the vehicle, then the customer must 
report the adjustment to the insurance company before the period of this use ends. This is done so as not to issue a new policy, but to extend your electronic insurance.
If an e-OSAGO purchase is made, 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 mark. 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 in between the next three business days. The insurance agent will fill in 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 office of the insurance company:
- 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 the insurance.
It is recommended to print the electronic policy and carry it with you. This is done in those cases in order to quickly present your e-OSAGO 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 OSAGO has the same force as paper. In this case, the cost of such a policy does not increase. It is designed to simplify the insurance procedure and save time for customers.