All about how to make changes to the OSAGO electronic policy: step-by-step instructions. How can I change the data in E-Osago

It is no secret that there is a huge number of vehicles on the roads of our country, and every day various situations may arise, including road traffic accidents. Auto insurance vehicle Today is a mandatory procedure for all drivers. Often it creates certain problems for the owners of the vehicle, since it is necessary to go to the other end of the city for documenting documents, to sit in queues - and all this during working hours. To facilitate the situation insurance companies Granted drivers the possibility of designing electronic policies.

Selection of insured

Where can I make an electronic procedure? First of all, only in the insurance company, which is engaged in providing its customers with electronic policies in the field or region of residence of the car owner. Today, only half of the companies have officially begteed for such work and each has its own characteristics in the maintenance of policies. So, the company "SOGAZ" electronic Polis OSAGO provides within 24 hours from the moment of circulation, and in some insurance groups it may take up to several days.

Order order

The rules for registration of electronic CTP are the same for all insurance companies. At first, the client must register on the official website of the insurance, which has permission to design electronic policies in the right region.

• the client receives an electronic form that needs to be filled with reliable data;
• the entered information is checked on the basis of the RCA;
• a disposable password is provided to the client to the specified phone number to enter your personal account;
• the office indicates all the necessary characteristics of the car and the driver, affecting the amount of insurance, is issued a total and details for payment;
• the client must pay the specified amount.

After all this, a policy with the official signature of the company's head in the electronic version, which must be preserved, and new data is made to the RSA's database. What does the OSAGO policy look like? On the screen, this is a real document with wet seals and signatures, but to provide it to the traffic police, the paper can be printed on the usual A4 format sheet. In order for insurance to be realistic, it is only necessary to put the signature in the specified graph on the printed version, and you can go.

Advantages of E-Osago

The pros and cons of the electronic CTP today were already able to assess already 200 thousand domestic drivers and among all the characteristics of such insurance are mainly allocated benefits. Among them, of course, the lack of need to personally go to the office of the company, spend time on the road and queue, money for gasoline and their own nerves. The entire design process takes no more than 30 minutes, after which you can immediately print the document and go to your affairs with new insurance.

An important advantage is that representatives of the company simply do not have the ability to impose additional services to the client and an extra service. Also, the owner of the vehicle does not need to provide many papers, because they are all already in the database.

• the driver cannot lose bonuses for trouble-free driving, all information is saved in the electronic basis;
• the cost calculation is fully automated;
• the document itself can be printed as much as possible if the previous one is lost or spoiled.

It is very important that the company "SOGAZ" The electronic policy of OSAGO provides at the same price as ordinary insurance. Many believe that for obvious advantages will have to pay extra, but the legislation is clearly regulated by the cost of policies, so no company has the right to overestimate prices for their services. All insurance make it possible to calculate the exact amounts in just a few minutes, simply by entering the parameters you need.

Features of change

According to federal legislation, the policyholder must be reported to the company in writing, but in practice of punishment for ignoring this item, it is possible to avoid it, since the deadline to which the changes must be reported are not established. Also, the same legislation does not indicate that changes in the electronic policy of the OSAGO provide for the refusal of payments or cancellation of the contract. To recognize the insurance of invalid insurers can only in the case of initially incorrectly specified data.

Separately, only those cases should be considered when due to the change of data, the probability of an insured event is changing. Here the insurers may find fault, because the amount of payments in connection with new circumstances can differ significantly from provided by the contract Before making adjustments.

Alteration

Many are interested in the question of how to add a driver to an electronic policy of OSAGO. In fact, the capabilities depend on the selected insurance company. Some provide their customers with the opportunity to correct the data directly over the Internet in some parameters, most require a personal visit to the office. The latter option automatically makes the policy not electronic, because after making changes to the employee of the company, he issues the client to the hands of ordinary insurance. The procedure is done for the majority of the parameters, except for the need to enter another person to the policy. How much it costs to add a driver to an electronic policy of OSAGO, depends on its age, the driver's experience and the duration of the trouble-free driving.

What can not be changed

Making changes to the policy is allowed only by certain parameters. If necessary, replace other information requires only the termination of the current treaty and the conclusion of the new one.

So, you will have to fully change insurance if:

• the term is changing;
• need to insure another TC;
• the insured itself changes.

At the same time, the change of the owner of the car should not provoke the conclusion of a new treaty.

Adding a driver

So, how to add a driver to an electronic policy of OSAGO? To do this, it is necessary to prepare a standard set of documents for making changes, plus a passport and driver's license The person who will be entered into the policy is additionally.

Before entering another driver in Osago, it is necessary to correctly calculate the insurance premium.

This amount depends on several coefficients:

• age and driver experience;
• the term in which the new driver did not get into an accident in his own fault.

Age and driving experience are distinguished by four values, the most expensive of which will be the driver of 22 years old with a three-year experience driving.

According to the rules, all subsequent payments and total amount Insurance will be calculated on the basis of data on the youngest driver.

Minor changes

In addition to how to add a driver to an electronic policy of OSAGO, many are interested in information and about the rules for making adjustments to other graphs.

It is necessary to personally come to the company's office to change:

• the period of use of the vehicle;
• driver's license number;
• registration information;
• state number of the car;
• tCP number;
• any personal data specified on the insurance form.

To do this, you must have a valid insurance policy and documents confirming the replacement of certain data. So to change personal information, it is often enough to provide a passport with a new registration. When changing the surname, it is better to first change the passport, PTS and the right, and then go to the insurance.

If only rights have been replaced, you need to provide employees a new document. His number will be inscribed in the "Notes" column in the form of the policy.

Replacing state license plates of the car is not a change in the vehicle itself, therefore, it is also only indicated in an old form as a note. If the insurance is issued for a car with temporary numbers or without them, then the graph is left blank. You should notify the company for three days about getting a sign, then the staff will make the information and the policy and the electronic database.

It is important to know that the change of registration can affect the sum of the insurance premium, since it initially depends on the territory of the territory. Even change the place of residence within one settlement It must be fixed by the staff of the insurance group, especially since this is under the legislation.

Change of owner

In addition to adding a driver to an electronic policy of OSAGO, many wonder how to add a new owner into it. Oddly enough, it is real, but provided that the insured does not change. It is important that only the insured or his trustee itself can apply for the change of the owner, whose actions are documented.

To carry out this procedure, it is necessary to have a contract for sale and documents confirming the identity of the new owner to the office of the Insurance Group. When buying a car, therefore should not be afraid, because payments insurance case Gets just the owner, not the insured.

By the way, the right of the insured is the possibility of termination of the contract on the basis of the change of ownership.

So that there are no problems with the receipt of payments or recognition of insurance cases, customers of companies can not independently make any changes to the fields available on the hands, even if employees assure that they will make adjustments to the electronic database, and the driver may not come personally and make With a paper document, everything is necessary.

Also, it is not necessary to postpone the alert of insurance about the changes that have appeared in information. After the staff accept the application for data acceptance, you should take a copy of your statements signed by them.

And most importantly, in no case agree to the design of a new contract, if the law is allowed to make adjustments to the current one.

Conclusion

In most cases, the procedure for making changes to the policy is free and is carried out very quickly. Supplements require only the addition of less experienced or younger in the driver's insurance. When filling out documents in electronic form, be careful, and then you will not have any unforeseen problems.

How to add a second driver if you have an electronic procedure?

Life does not stand still, and any changes in most cases have to record documented. So, in connection with the introduction of new technologies in the field of insurance, the problem of changing data in OSAGO policies arose.

Specifically, car enthusiasts began to ask questions about how to make changes to electronic CTP, such as enter or remove the driver, change the data on the series and the driver's license number, and also change the passport details.

What is the difference between the usual and electronic procedure

For many drivers, technical progress has not yet reached, so they prefer to use the standard procedure for the design or extension of the autocartery agreement.

Is there a difference between these insurance and what is the beneficial policy of the OSAGO for the average driver?

1. First of all, the main difference that the electronic policy of autocarted liability has something that it can be issued online in 30 minutes. You do not need to spend more time on the way to the insurer's office, in any weather, stretch in traffic jams, spend money on gasoline and time in line. The procedure takes quite a bit of time and when specifying reliable data in an hour you can go to more important things with new insurance.
2. The second and important advantage lies in the fact that the insurer cannot impose unnecessary additional services to you, threatening with refusal in the design of the OSAGO. Such actions are illegal, but unfortunately, in many remote regions there are space.
3. The weighty advantage of the electronic procedure is that you will not be able to lose all accumulated discounts for trouble-free driving, as your history is stored in the PCA database and all insurance companies have access to it. The calculation occurs in automatic mode, the representative only checks the information.
4. Electronic policy can be printed on ordinary paper, for your own convenience and fast check Employee traffic police. If you have lost this piece of paper, you can always print it again, while the usual policy will have to restore through the insurance company.
5. Car owner There is no need to provide many documents for a car in the insurance company, all the information is also in the bases of the RSA and AIS.

The design of the electroplating occurs quickly and conveniently, and its cost is the same as when concluding an agreement on a paper policy of the OSAGO.

To date, one common myth of the CTP, which in electronic form for it will have to pay more. Fortunately, this is not the case, thanks to the automatic calculator you can find out the cost of your insurance for 3-5 minutes.

How to protect yourself when making E-Osago?

To date, the purchase of electronic insurance is not very popular, as many are worried about its authenticity. This is quite logical, because if the file can be simply printed, where is the guarantee that the policy itself will be genuine?

There are several tips to prevent such cases:

• do not give yourself to the seduction to buy autocitors with a discount.

The cost of insurance is regulated Central Bank RF, so can't participate in shares;

make sure that buying an assistant, you do it on the official website of the insurance company.

Single-page sites of representatives of your insurer, private agents can be fraudsters;

not all insurance companies are engaged in selling E-Osago, therefore scammers can act under their brand.

If you briefly, you should be simply attentive and careful when choosing an insurance company. The authenticity of the policy can be checked on the basis of the PCA or on the official traffic police website.

Registration of electronic passenger

In order to issue a policy of autocaretries through the Internet, you need to do only a few simple steps.

The first thing to do is choose a reliable insurance company. If your suits you, then you are probably the official website, you know. Create your personal account on their website.

To do this, enter in the form such data:

• personal data of the driver, his last name, name, patronymic, date of birth;
• series and passport number;
• mobile and stationary phone number (or one of them, if any);
• email;
• address of the actual residence.

After your account is registered, you need to wait a bit until the insurer manager checks your PCA data data. As a rule, it takes 10-15 minutes, after which you will be sent to the mobile phone to log in to your personal account.

The procedure for registration of insurance is quite simple, the conclusion of the contract for the policy of the CTP requires:

• Full owner, his passport details, address, telephone, number and series of driver's license;
• machine information: brand, model, year of manufacture, engine power, series and TC number indicated in Tehtalon;
• also, it is necessary to immediately enter data on drivers admitted to the management of this vehicle, namely the series and the numbers of their driver's licenses.

After in online mode your application will be checkedThe screens will appear on the payment and payment form.

Payment of insurance is possible any in a convenient way, both in cash and non-cash.

In order to pay for cash, you will need to visit the office of the insurance company and make the cost of the policy, or order autocarter with the delivery to the house and pay the courier.

Cashless payments are performed through Internet banking, electronic money or transfer to the current account.

So, for example, it often happens when a person changed a driver's license, or was deprivation, or loss of rights, as a result of the series and the number of others.

In the database, the old information is stored, however, it is impossible to use it for registration of the CTP policy. When checking documents, one will be written in rights, and in the insurance other, as a result you can get into the unpleasant situation.

Also, the insurance company may refuse if your CBM data does not correspond to data in the database. In this case, the driver will have to visit insurance agent In his office.

Is it possible to change the data in E-Osago?

Unfortunately, often happens when when filling out official data in personal Cabinet Errors arise.

Today, there is already a manual verification of the information provided by an employee of the insurance company, however, there are still small errors.

There is now active work on the creation of special services on the official websites of companies selling auto-trap, which will refer to official data from the RSA bases and AIS OSAGO, which will allow verification in automatic mode, and will also load other data from these bases in the personal account.

If after placing insurance, you have a need to enter another driver, then today it is not possible to make it online.

If you are not sure how many people will be allowed to manage your car, you can make a policy with an unlimited list of people, or enter each possible driver immediately.

Also, today are underway certain works By the service and users of the sites of insurance companies, thanks to which to enter the driver can be independently, and information through the site will be updated in the PCA basis. Such a service is expected in early 2017.

Attitude towards E-Osago at the traffic police

Electronic policy, after registration will be sent to the e-mail of the driver of the vehicle. Also, in the personal account there is the possibility of its printout on the usual sheet A4 format.

Despite the fact that all road patrol workers have access to PSA's insurance databases, the demand for paper insurance does not fall.

While still the traffic police cars are not equipped enough to be able to check the electronic policies, and there are no special scanners, which by a driver's license can issue information about insurance.

Therefore, in order to avoid misunderstandings, print insurance and store in the car. It can significantly save time and to you, and the staff of the road-patrol service.

As a result, it remains to add only that in spite of a wonderful idea with electronic insurance policies, there are a number of difficulties in its complete implementation.

Nevertheless, I want to believe that soon the system of registration of autrollocks via the Internet will be debugged, all the necessary services are connected, and users will be happy to use this innovation!

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it is necessary to make a second driver in the electronic procedure, how to do I do not know, and the most of the driver's license will have to change this year, how to tell me?

Go to the office of the company and ask them to make adjustments.

In offices the nose is cool. Don't want to face electronic insurance

How to make a new driver in the term? We are trying to make twenty days through the company's office, there is no answer from the head office

How the EOSAL works, why it is more often buying in the regions and answers to other questions about online Osago - in our interview with Rosgosstrach

Responsible for the maintenance of the blog of Rosgosstrakh, kindly agreed to tell me about how it works electronic passenger. In this small interview, I tried to know the "first-hand" answers to the questions most of all interested me and, I am sure most of the readers of the Osagonline.Info site.

Of course, every insurer has its own system of buying and extending online policies, but everyone has common features, After all, the laws and methods of the RSA dictate the uniform requirements that each company must comply with the OSAO online sales process. In particular, the electronic CTP by law should be issued using a personal account on the insurer's website, where the client identification is carried out. In addition, at present, for the first three months of the "test period", the service is launched in the "hard prolongation" mode. That is, the client may arrange a policy over the Internet, only if:

1. Policy is currently acting and ends no later than in 60 days - this period is set regulatory acts. In other words, if the policy ended yesterday, today it is no longer possible to extend it through the electronic CTP service.
2. The insured does not change anything in the data. Important! Even the date began to start the action of the new policy. (But in the next 2-3 weeks it will be possible to expand the circle of insured persons)
3. There is a valid inspection, or a car under 3 years old.

Rosgosstrach himself, the process of registration (until October 1 - only extension) of the policy in electronic form as follows:

1. The client comes to the site, to the Creator Calculator page.
2. Next, he is invited to choose - "pull up" data from accounting systems or fill it yourself.
3. If there are not enough data in systems, the client fills them on their own.
4. At the 4th stage of Rosgosstrakh, it offers a choice of several options for designing a contract - for residents of Moscow and St. Petersburg is an appeal to the office, registration with a courier or electronic CTP. There are no courier delivery regions, so the inhabitants of the regions will see only two choices - buy a classic paper policy in the office or to issue an electronic CTP.

By the way, it is with this phenomenon that "Perekos" is connected in the statistics of the EOSAGA in the direction of the regions. This is how this representative of Rosgosstrach explains: "I want to draw your attention to one fact that it seems to us very significant and radically affecting regional statistics on the CTP. As we know, Rosgosstrakh has about 60% of the market share by electronic CTP. At the same time, all observers noted the low activity of residents of the capitals in the electronic CTP. The fact is that in our calculator, as I have already mentioned above, for residents of the capitals it is proposed to issue an OSAGO on the site, pay for a card, and then get a policy in the office or with a courier.

So see the form of registration of OSAGO online residents of the capitals.

"This is a traditional paper policy on the BSO form," the representative of Rosgosstrakh continues the answer, the number of customers preferring such a way of obtaining the policy is significantly. If such an opportunity in Rosgosstrakh was not (and we are essentially forming the electronic procedure market now) All these clients would issue E-Osago and the number of electronic policies would increase at times, with the absolute leader in the Moscow region.

For understanding, the order of numbers is: on 10 policies of the electronic CTP in Moscow accounts for about 500 policies with a courier delivery.

But back to the process of designing an electronic policy. On the fifth, last step, if the client selects the execution of the policy in the form of an electronic document, then it is automatically translated from the site to the "Personal Account" section. Here is the filling of the necessary data to identify the client. If Identification has passed successfully, the client is redirected back to the site to fill the remaining statements data, and it is sent to check in the RSA. The sites of insurance companies operate directly from the Rs, the third part of the integrator between the insurance and RSA is not.

At this stage, numerous problems with "non-receipt of confirmation from RSa appear.

- Is it planned to detail errors?

Yes, we have a finalization of the interface in our nearest plans to show the client that it is in his data that does not coincide with the information that is in RSA

- How do you evaluate, after how long does all technical problems be eliminated and the work of E-OSAGO is normalized?

Rs, together with his contractor, regularly correct technical problems. Predict time when everything stabilizes is hard. We really hope that this will happen in the very near future.

- How can I check that the e-mail received by e-mail is valid?

- Are you already known successful or unsuccessful cases of inspection by inspections of the DPS electronic policy of the OSAGO on the road among your customers?

Yes, there are already such cases. Unfortunately, the traffic police are not very loyal to electronic policies, but no penalty is discharged according to our data.

The Bank of Russia together with the traffic police plans to hold a meeting in the coming weeks to discuss various aspects of the procedure for inspections on the roads from the drivers of the electronic policies.

- How to make changes to the electronic policy of OSAGO? For example, enter new drivers, change the driver's number, etc.

Today you need to contact any of our sales offices. Over time, the ability to make changes will appear in the Personal Account.

- And is it possible to break the electronic CTP (as in the case of the paper policy) and get a part of the money back for the unused period (it is necessary when solding the car)

Yes. Everything is similar to the paper policy.

- And the last question about Osago online for Jurlitz - when will it appear for them? I found different dates in different sources.

- Where can your customers contact if there are any questions on the EOSA?

All the newest interesting pro E-Osago, as well as customer reviews, we publish in our blog Rgsblog. RU. Come! All questions are promptly responsible for [Email Protected]

P. S. In addition, I found out the answers to Rosgosstrakh fAQwho relate to the rules of work OSAGO as a whole. Answers to these questions can be found in the "Question and Answers" section. In particular, it became clearer, as a tariff corridor works, in what cases can "fly" the KBM and whether the "open" insurance (multidonev) is really dangerous in that it leads to a decrease in the class.

Dear readers of the site, if you have questions about the principles of the electronic CTP, then ask them in the comments below ↓ on this page. I will try to get answers to them or ask Rosgosstrach representatives to answer you right in the comments.

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10.28.2017: A unified agent will stop working from the new year.

24.10.2017: The average settlement on OSAO for 9 months of 2017 reached 77 thousand rubles.

09/26/2017: The representative of the Central Bank told someone to refuse E-Osago

09/18/2017: Additional increase in excise taxes on fuel from January and July 2017

09/18/2017: Ingosstrakh includes in the account "Insurance of the Card" when buying E-Osago

09/11/2017: In 2018, QR code will add on forms

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* According to LI: 4th place in the Insurance category, 1 among sites about online Osago.

Electronic OSAGO Policy: Subtleness of design, extension and error correction

With recently, vehicle owners can make insurance in the form of a paper document or a digital record that has received the name of E-Osago.

Let's study the implementation of these initiatives in practice and consider all the problems that the insurer who acquires the online policy may encounter. A few moments should be called for which the electronic policy of E-OSAGO provides explicit advantages in comparison with its traditional fellow.

The filling of electronic CTP has advantages:

• providing drivers opportunities to make insurance without departing from the computer;
• solving problems of queues in insurers' offices;
• elimination of difficulties with artificially created "deficit" of the forms of policies;
• fighting with an unscrupulous policy of imposing insurers additional services;
• reducing the cost of printing forms with various degrees of protection;
• ensuring savings companies on employees (automation allows you to reduce personnel);
• providing the possibility of insurers to abandon the content of part of offices, the demand of which should decrease.

Typical problems when making an electronic procedure

As with many other innovations, a number of problems arose with electronic policies. They are connected both with technical and commercial reasons.

1. Problems when making a document through the site. The number of car enthusiasts wished to obtain the policy in such a way exceeded the possibilities of technical infrastructure. The problem is associated not only with the overload of the servers of the insurance companies themselves, but also with the inability to serve such a number of queries entering the Database of the RCA - Russian Union of Motorovshchikov (information about each insured is stored for this association).
2. Lack of information about car registration in the database. One of the essential problems are difficulties in the exchange of data between the traffic police and RSA. If the transfer of the updated data occurred with errors, then information on the existence of a client's vehicle may simply not be.
3. No data on technical inspection. One of the condition for the execution of the policy is the current diagnostic map. The data on it may also be absent on the RC server and the system will not allow issuing the OSAGO.
4. The inability to apply a lowering coefficient for trouble-free driving. If the policyholder does not become a culprit of an accident, then he is given a discount accumulating every year. It can reach half the cost of the policy. For some reason, the coefficient cannot be applied.
5. Regional restrictions. Insurers provide the opportunity to acquire a digital policy only to residents of individual cities. They explain this "toxicity" of a number of regions. Under it companies understand the prevalence of "fraudulent schemes" and an unprofitability of activities in such territories.
6. Problems for nonresident. These difficulties are associated with regional restrictions. If a citizen lives in the capital, but registered in another city, to get the policy will not succeed. In some cases, an absurd "verification" of the client, lasting up to 30 days.

Some of the actions of insurers specifically stimulate customers to abandon the design of electronic CAPC:

• reference to some limit relating to the number of digital policies per day or month;
• generating passwords containing symbols on Cyrillic and Latinic simultaneously;
• intentional restriction of payment methods for the Policy;
• charging commissions for transferring funds.

All of the above is intended to force the user to come to the office, where it will be forced to purchase insurance together with imposed services. To determine the possibility of registration of an electronic policy by buying other products of the company on the site will not be able to. This policy violates the law, and the relevant requirements on the company's portal will become irrefutable evidence of her guilt. Such actions of insurers are often forced to submit complaints to Rospotrebnadzor and the Bank of Russia.

Phased instructions for the design of E-Osago

The execution of the policy in different insurers has its own characteristics. If you do not go into them, then a number of general steps can be distinguished.

1. Creating an account for a personal account. To access electronic insurance, you have to create an account on the company's website. To do this, fill out the proposed form by making the following personal data to it:

• FULL NAME;
• passport details;
• date and place of birth;
• registration address;
• number mobile phone;
• email address.

1. Check the information entered. The driver information is checked with the data of the centralized RCA base. If the policy of the Insured is made to it, then the user to the email address or mobile number will send the account access parameters (password and login).
2. Filling out an application. The form on the site will have to make information about:

• the policyholder (personal data indicated above);
• car (the requested data is transferred from the certificate of registration);
• characteristics of the future policy (validity period, periods of using the machine and the date of commencement);
• citizens who will use the car.

1. Check information. All information will be compared with the contents of the RCA base. If the information is really listed in it, the user will receive a notice with the calculation of the cost of insurance, the procedure for its payment (bank cards and / or electronic money), as well as the address to which the electronic document is expelled. When the application has not passed the audit, the company will indicate the reason for the refinement and will offer to correct the request.
2. Payment and receiving insurance. After transferring money, the company will send to the electronic address of the client itself.

The document can be printed and carry. Its paper version will be a confirmation of the design of the OSAGO electronically.

Errors in the design of E-Osago and their consequences

When filling out the application, there is a risk of allowing an error. Examples are:

• incorrect indication of the car model;
• typos in the name of the owner, the policyholder and the drivers;
• errors in the room;
• inaccuracies in the instructions of the details of registration documents;
• errors in the series or driver's license number;
• specify the insured as the owner of the machine (if these are different persons).

Let's figure it out in the consequences of such errors.

If the insured driver falls into an accident, the company is not entitled to refuse to pay the victim, since the policy was decorated. This does not mean that the driver can not pay attention to inaccuracy. Problems may arise with a traffic police officer. He is likely to show a formal approach and finfing the driver for the lack of insurance. Checking the policy is carried out not only in the event of an accident, but also at any stop.

Regardless of the nature of inaccuracy in the document, the driver is recommended to take care of how to correct the error in the electronic policy of the OSAGO.

A number of unscrupulous citizens deliberately distort information about themselves. This is due to the desire to minimize the insurance premium. Examples serve:

• understategory horse power;
• false information about the registration of the insured in the territory countryside (for such owners there is the lowest territorial coefficient);
• owning a driver's experience.

All these options will not work if the insurance has already been drawn up due to the ownership of the ethimatomobile. When the car is new, this possibility exists. At the same time, the deception will open with the next handling of the company (to change the parameters of insurance or due to its extension).

When deception, the insurer will require additional payments. If the intentional error is set after an accident, then the company has the right to file a claim for compensation made by the affected payments to the unscrupulous client.

How to make changes to the electronic CTP

One of the necessary services in electronic maintenance of insurers is the possibility of comfortable adjustments to the already executed document. Let's figure out what to do if an error was found in the electronic CPEA, and with other situations when you need to make new information or parameters.

The grounds for adjusting the electronic document are the same as for the paper option:

• making new drivers;
• the change in the details of the driver's license in connection with its replacement (although there is no duties to redo insurance, there is a risk of becoming a victim of a dismissed employee of the traffic police, which "will not notice" the mark of the previously active document);
• obtaining a new passport;
• change address of accommodation.

Unlike the sales procedure, the issues of making new information in the law did not work. This means that the only legal mechanism for changing the data in the insurance is the personal appearance in the insurance company. At the same time, experts print a paper version of the document and the policy stops being digital. The validity period and other terms of the contract remain the same.

There is a chance to get a refusal of office employees. This can be explained by the fact that the room does not occupy the company itself, but its brokers - agents who have the right to conclude on behalf of the insurer new CTP agreements. Another reason is often the desire of employees impose an additional policy. The ability to re-inform the document they associate with the purchase of another service. Such actions are unlawful and representatives of the company, you can complain to the higher management or in controlling authorities (Rospotrebnadzor, the territorial division of the Central Bank of the Russian Federation, financial ombudsman).

A number of insurers provide customers with the ability to adjust some of the document parameters through the personal account. With the increase in the popularity of digital insurance, the likelihood of the provision of a full service providing for changes to the electronic policy of the OSAGO is high.

Extension of the Osago Polis and Replacing the Insurer Company

When using a digital policy, the problem of its extension occurs. A year after design (in some cases - even earlier), the client will have to receive a new document. Features of its design depend on a particular insurer. In this case, the procedure will include a number of general steps.

1. Passage of technical inspection. A prerequisite for extending insurance is the availability of an urgent diagnostic card. If it is absent, it will have to get on any STR providing such services.
2. Filling data in your account. You need to go to the insurer's website and enter the username and password of the account. Many companies provide the possibility of simplified extension of the CCAMA. It is enough to go to the relevant link and make information about the room and the date of the diagnostic card.
3. Data checking. If the information is confirmed, the system will propose to go to the payment of the document.
4. Payment and receipt of the policy. After transferring money to the email address will be sent a new document, as in the primary design.

In subsequent years, the update of the policy will be made in the same way.

Some insurers provide a service for extending insurance decorated on paper, in electronic version. To do this, you need to register on the site and make the details of the expired policy.

Another important point is the transition from one insurance company to another. The most relevant issue is to preserve the discount provided for trouble-free driving. Personal Cabinet functionality does not provide for the possibility of issuing the Bonus Malus coefficient. To arrange it, you will have to provide the insurer previously executed policy. The fact of driving without an accident for the previous year will be set on request to the previous customer company.

Given the recent appearance of the possibility of issuing a digital policy, there are many gaps and problems that significantly worsen the service provided. Over time, they will be eliminated and the popularity of electronic CTP will become significantly higher.

According to FZ No. 40 of April 25, 2002, "On compulsory insurance of civil liability of vehicle owners" (OSAGO), the Insurance Company concludes an agreement with the insured for 1 year during which any changes are allowed. In practice, the need to make changes to the policyholder or his trustee in the policy arises quite often.

In this article we will consider: when and in what cases the car owner may need to make changes to the OSAGO policy; What kind of changes can be made to it, and which cannot be; What is the procedure for making changes to the policy and what extra charge must be made by the insured in a particular case?

How to enter the driver in the policy of OSAGO?

As already mentioned in the introduction, the situation when the Insured must additionally enter the driver in the insurance contract and entrust him to control the car arise quite often. In particular, these are situations:

• introduction to the driver insurance contract;
• extending the period of use of the car;
• changing personal data;
• changing the owner (in the case of the sale of the machine).

As a rule, taxi and buses and buses are actively using adjustments in the CCAMAGO, which often change drivers. However, it is absolutely no important for what reason it is necessary to make changes, it is worth knowing that the insurance company cannot refuse this service.

To make changes to the OSAO, it is necessary to apply to the representation of the insurance company. Please note that only the insurer can make changes, that is, the person who concluded the contract and paid money for him. For the introduction you will need a personal passport and driver's license of the driver, which you need to enter into the policy of OSAGO.

Correcting and writing in the policy of drivers can be paid and free. Consider, in what cases the insurer may charge when making changes to the OSAGO policy, and in what cases it is not required.

In what cases does the driver fit without surcharge?

When calculating the insurance premium paid on the CTP policy, not only the experience and age of each driver, but also the size of the CBM is taken into account. KBM is the size of a downgrad or an increase in the coefficient taken into account when calculating the insurance premium. For each year of trouble-free driving, the driver receives a discount of 5%. With the high accident rate, the driver is forced to pay an increased insurance premium at higher values \u200b\u200bof KBM. For convenience, the calculation of this coefficient occurs in a single PCA basis.

As a result, if the size of the discount is or more than those drivers who are already allowed to manage, the insurance company should make changes without additional fees.

For example, Simonov Grigory Pavlovich issued insurance from 08/15/2016 to 14.08.2017. Under the contract I could only use the car. Grigory Pavlovich has a good experience and driving experience. For trouble-free years earned a discount in the amount of 30% (grade 9 of the CBM).

A neighbor in the apartment Ilya Valentinovich 30.01.2017 I turned to Gregory Pavlovich with a request to borrow a car to go with the whole family for a couple of days in the neighboring city to my relatives.

When contacting the insurance company, the manager checked the data of Ilya Valentinovich and determined that he was an experienced driver who earned a 35% discount (10 class KBM). Due to the fact that the discount of the new driver is 5% more than in Peter Vasilyevich, the supplement under the contract is not provided. As a result, such a driver fits free.

In what cases is the fee fee charged?

If the policyholder plans to enter into a workshop of the driver, recently received the right or never previously included in the insurance contract, an insurance company employee will recalculate the insurance premium and the policyholder will be forced to make a surcharge. According to the rules, when entering into insurance, the driver, having driving experience less than 3 years and age less than 22 years, the cost of the contract occurs almost twice.

For example, Petrov Fyodor Vasilyevich bought the policy of OSAGO from 10/15/2016 to 10/14/2017. Under the contract for the management of the vehicle was allowed only. Anton, grandson Fyodor Vasilyevich, received the driver's license at 18 and asked him to allow him to manage the vehicle.

When contacting the insurance company, the manager calculated the raising coefficient to the paid insurance premium. Since the young driver does not have a minimum driving experience, and therefore the boosting factors are used, then in order to allow a beginner to control, it will need to pay extra for the transfer of the policy.

Extension of insurance period

Many drivers in the desire to save at the cost of the OSAGO draw up an insurance contract for 3 or 6 months. Insurance for fewer term is also relevant for those drivers who use their "iron friend" not all year round.

But how to be a driver, if the insurance contract is concluded for a year, and the period of use of the CU under the contract was listed less than a year and it is necessary to increase it? In this case, it is necessary to contact the company in which the contract was concluded, write a statement with the requirement to increase the period of use of the vehicle.

If the insured at the time of registration has concluded a contract for 3 months and paid 50% of the annual cost of the policy, then for the remaining insurance period will have to supplement the remaining 50%. When executing the CTP policy for 6 months, 70% of its annual cost takes and, in the case of renewal, it will be necessary to supplement the remaining 30%.

It is important to know that the prolonged period of action of the OSAGO Agreement, the policyholder does not overpay the annual value, calculated under the contract when executing the policy only if it appeals in a timely manner, before the expiration of the insurance period.

Private changes

Changing personal information included in Osago

When changing any personal information (driver's license or surname), it is necessary to turn to a representative of the insurance company and make appropriate changes in the policy of OSAGO. If a driver's license is replaced, it is necessary to provide new driver's license and write an application for data change. When changing the surname, the insured must provide a passport.

When changing personal information it is necessary to write a statement and present a document on the basis of which changes will be made. Technical changes in all cases are made by an insurance company employee for free!

Changing the owner of the vehicle

Often, many drivers sell the car before expiration insurance Polisa.. In this case, they can terminate the contract and return some of the money, or give their insurance policy to the new owner. To change the owner, it is necessary to provide a personal passport, the passport of the new owner and the trade and sale agreement of the vehicle.

Are the power of attorney?

According to acting lawOnly an insurer or other person acting on the basis of power of attorney can make changes to the operating policy of the OSAGO. To make changes by proxy, the representative must contact the insurance company with a passport, attorney and insurance contract. Please note that changes in the CTP are entered only in the presence of a notarial power of attorney! Normal handwritten power of attorney is not accepted by employees of insurance companies.

What changes to make it impossible?

Before contacting the insurance company's office, the applicant should be taken into account that not all data can be changed in the current insurance contract. For example, a change is not subject to:

• change of vehicle, i.e. Replacing the registration data of one machine to another;
• replacing the car insurer;
• changing the term of the contract.

Finally

It turns out that in order to make changes to the policy of the OSAGO, the insured must personally contact the office of the insurance company, having a personal passport with him, and write a statement. All changes in the policy of OSAGO are entered on the day of circulation.

• Insurance portal.ru.
• Osago
• How to make changes to the policy of OSAGO

All information presented on the site is informational and under any circumstances is not a public offer.

To arrange an electronic CTP, fill in a special online form. The design procedure consists of several simple steps:

1. Spend a calculation. To buy Osago via the Internet, fill the form of the calculator. Enter the information about the vehicle, its owner and all allowed drivers. Information should be made in accurately according to the documents.


2. Wait for data verification. This information will be sent to quick online inspection based on the PCA. After its successful completion, you can continue the registration of the motorway.


3. Pay for insurance. If the cost of the policy suits you, make payment by any of the proposed methods. After crediting funds, the electronic insurance policy of the OSAGO will be sent to your E-mail in * PDF format.


4. Get polis. Print the received document on the A4 sheet and always take with you. Additionally, you can save the file with electronic insurance of the CTP on its smartphone. At the request of the traffic police officers, it is necessary to present a paper printing of the policy.

Wishing to issue an electronic policy of OSAGO on the site will be required:

1. Passport of the owner of the car and the insured (in the event that these are different people).


2. Car passport (TCP) and certificate of state registration of auto (STS).


3. Driving certificates of all persons who are allowed to manage.


4. The diagnostic map of the vehicle (with the exception of cases provided for by the legislation when the provision of a diagnostic card is not required).

The payment of the OSAGO electronic policy is carried out using standard calculation systems presented on the site:

1. bank cards (Visa, MasterCard);
2. internet Bank Alfaklik.

Important! Deciding to buy and pay insurance via the Internet, do not use the alfactory accounting account. In this case, the payment for the electronic policy of OSAGO will not be counted and the conclusion of the contract will not happen.

Validity period for a new insurance contract should start no later than 60 days after the date of purchase new insurance online. Extension can be performed before stopping the action of the existing policy. Having decided to buy an electronic policy of Osago online in advance, you eliminate the probability of breaks, during which you can get into an accident.

According to the terms of the auto insurance, for each year of the break-even drive, the driver receives a 5% discount of the CBM. At the same time, it can be summarized for several trouble-free years of insurance in a row (but not more than 50% in 10 years). At the conclusion of the contract mandatory insurance autocarnate responsibility discount is determined by request automated system RSA.

Calculate the cost of the CTP in the insurance company Alfactory and compare the cost of the policy with the proposals of other largest insurers with additional discounts.

Today the opportunity to buy an online insurance policy OSAGO is more interested in an increasing number of Russians, due to the convenience of use. Many of them make a choice in favor of Alfactor.

2 clicks and you will learn

How to buy polisy via the Internet

Take advantage of the services of insurers on the Internet, the drivers who previously purchased the policy of the OSAGO, and planning its extension can be used. In addition, organizations can also take advantage of the organization.

For those who first making insurance, its design is required in one of the Alfactory offices. You can arrange the document online, but it will be necessary in any case to send a complete set of original documents to the office, for example, by mail. In turn, the insurer is obliged to provide a policy to the client in paper. Only upon subsequent handling, all work with documents is translated into electronic format.

When using the Site of AlfaStrakhovanie, when making insurance, OSAGO requires:

• Go to the site and find out the list of the company's offices nearby, after which it will be detailed to familiarize yourself with the proposed services for the provision of services.
• Contact company specialists by any of the available ways (telephone, e-mail, feedback Online).

About the company AlfaStrakhovanie

"AlfaStrakhovanie" one of the largest representatives of the domestic market of insurance services. The group of companies has several divisions, each of which has its own specialization. The extent on the scale of the insurer, the fact that, among its clients, a different program is at least 25 million Russians, and the Kolo 435 thousand customers are served in the corporate segment to AlfaStrakhovanie. Significant part of them insure motor vehicles on OSAGO.

The company occupies on russian market The third place in terms of services provided and has ratings not only from Russian, but also foreign agencies.

Purchase electronic policy OSAGO online

For car owners who want to purchase an insurance policy to be purchased through the Internet, it is required to perform the following combination of action:

1. Go to the company's website and go to the insurance section (https://www.alfastrah.ru/individuals/auto/osago/).
2. Fill out all the graphs specified in the questionnaire, making only reliable and actual information. Otherwise, difficulties may occur with the design of the document.
3. Based on the information generated, the system automatically calculates the price of the policy.
4. After that, the system also automatically compares the client data with the data entered into the policy of the CTP previously decorated.
5. In case of successful mapping, the client is invited to verify all the data and pay for the purchase. It is possible to implement it with electronic wallets or bank cards.
6. Immediately after payment, the OSAGO policy is sent to electronic format Standard email to the email address. After that, it remains only to print the document.

Cost of policy of OSAGO

AlfaStrakhovanie uses a standard scheme for calculating the cost of policies, where the base rate varies depending on the parameters of the insured car and its drivers.

The final price tag is influenced:

• Car model and his age;
• Power of its power unit;
• The coefficients "Bonus-Malus" trouble-free driving;
• Territorial coefficients adopted for each of the regions of Russia;
• The age parameters of the driver and experience that have a serious impact on the final value.

In addition, the client has the ability to buy a policy with an extended list of opportunities, which will also increase the final cost. Here, the buyer has the opportunity to independently choose a set of services or completely abandon them, leaving an exclusively basic insurance package provided for by Avtnailach.

For the convenience of Alfactor's customers on the site, it is available on the site online in the shortest possible time to obtain accurate data on the cost of the purchased policy.

Offered on the site and section "Contacts", which allows you to get information about the location of the insurer offices in the regions and telephones for communication. To search for the nearest office, it is enough to enter the city in the corresponding field in which the client is located. There is also a support service that works around the clock and allows you to get expert answers to questions.

14.01.2017 | 12:00 Updated: 05/29/2018 4867

How to make changes to the policy of OSAGO: step-by-step instruction + sample power of attorney and analysis of specific situations

Hello everyone, it's kulik Ilya! You did not inform your insurance new number phone? Well, everything, you ... nothing will be. But you, too, also indicated when making insurance, right? When making changes to the policy is required, and when it is possible to "score", as well as how this is done, what is the procedure for this procedure - about this in today's article.

According to paragraph 8 of Art. fifteen Federal Law "On OSAGO" about all the changes in the data specified in the conclusion of the CTP agreement, which occurred during its action, the insured is obliged to immediately inform his insurer in writing.

That is, not only the information shown in the form of the policy, but also the number of the passport or the phone indicated when making insurance.

True, the term in which changes should be made is not limited, as well as punishment for ignoring this item. There are no such articles that provided for the failure of the insurance payment or cancellation of CBM regress or other which punishment, if about the changes that occurred during the AUTRIC'S, the insurer did not report.

Note. For providing incorrect data at the conclusion of the contract Measures are used until the insurance is invalid.

When without consequences will not cost

The mansion is the situation when due to the changes occurred the likelihood of an insured event was changed. Following it changes and the amount insurance fee. This, for example, change the place of residence, the period of using the car, the number of drivers.

In addition, if the driver, an automatic managing, not entered into insurance, or on the vehicle is not moved during the period of use specified in the Policy, administrative liability and regression are provided upon an insured event.

Why all the changes must be reported

I do not know how much you need to report a new phone number. This, in my opinion, is already superfluous.

Yes, and the changes relating to the information specified in the form of the policy (another surname, new driver's license), theoretically will not theoretically entail serious consequences, for example, refusal to compensation at the insured event.

But, first, with each communication with more or less employees, the traffic police will have to explain the discrepancies in the data between the policy and other documents. Secondly, the insurer may find face, especially if new information is found at the request to pay you by insurance.

What to do to make changes?

When changing certain circumstances and documents, do not be lazy to get to the office of "your" insurance company, and ask for new information. And they are made not only in the form blank, but also in the electronic base.

It is done for free, except when an inexperienced and / or a young driver, moving to another region, is allowed to manage a car, the risk of an insurance event will change. Then it is quite reasonable to you will have to pay a certain amount calculated strictly in accordance with the rules, or part of the paid premium will be returned to you.

How changes are made

The rules provide for two options for the consolidation of new information entered into insurance:

1. write on old blank in the section "Special marks";
2. issuing a new form Polis.

In the first case, in addition to the essence of the amendments, the date and time of recording, the signature of the employee and the printing of the organization is indicated. The policy with change returns you, and his copy of the insurer leaves himself together with the statement.

In the second case is issued new Polis., Conservation of the term of the old and all unchangeable terms of the contract. The original of the old policy is closed by the insurer, the new number of the old and the date of renewal is indicated. The new policy must be issued no later than two days later, but usually it happens immediately on the day of handling.

Note. If you lost the form of the policy, before you make changes, you will definitely give a duplicate lost.

All reported changes are necessarily made by the insurer within five working days in information system (AIS) Osago.

How to make changes. Step-by-step instruction

All changes are made in the office of the insurance company, in which the "autocitment" (about the features of electronic insurance, see the subtitle "Amendments to the Electronic Policy of the OSAGO" below). Of course, it is not necessary to go to the same branch, you can contact any compartment.

In no case do not change anything on your own in insurance of CTP. Even if it is one letter in the surname, or a similar "trifle", and even more so it is impossible to enter a new time of use period or add a driver. This may be regarded as a fake document. And for this is provided for responsibility, including criminal. And, of course, these "changes" will not have any power.

Step First - We write a statement to the insurance

So, to change the data in the CCAMA policy, you will need to notify the insurance in writing. This is done by submitting an application. It is accepted from the insured or a person who has a notarized power of attorney. Sample recommended by RSA for all insurance, you can download.

In each insurance can be their forms, somewhat different from the above. They are issued when contacting. That is, it is not necessary to preliminarily fill. Just come to the office of the SC, they said that it was necessary to change the data, you will be given a form, they will prompt how to fill out or reflect the data to the computer themselves and print the ready statement.

Step second - Submit documents

From the documents you will need the following list:

• civilian passport of the applicant;
• a copy and original of the power of attorney, if not the insurer declares;
• original policy;
• application for making changes;
• a document confirming the changes made if it should be.

You can and need to ask a copy of the statement with a mark on obtaining it by the insurer.

Step Three - We get new insurance

Depending on the type of fixation of new data you give you an old form with marks or a new policy. In some cases, it may be necessary to pay the insurance premium or will be returned through the cash register or on the card it is part of it. That's all.

Power of attorney

Submit an application for changing these insurance, including and to enter other drivers, can only the insured (not the owner!) Or the person who received a power of attorney. If it is supposed to get money from the insurer, for example, part of the insurance premium paid, then the power of attorney must be certified by the notary. Otherwise, this paper can be framed in simple writing.

It is not excluded, however, that in some insurance against you, in any case, you will require a document certified by a notary. Prove its right to conduct procedures for the handwritten document, most likely will be only through the court, so in such a situation, it seems to me, the easiest way to agree with the requirement of the SC.

By the way. The right to make changes to the CTP policy from the person of the principal may be included in the general power of attorney.

Sample power of attorney

Since it will have to go to the notary in any case to certify the document, it will be better if it will be made on the notary form. You are not the first one that needs such a power of attorney, so the notary will certainly be a billet for the text of the power of attorney. Filling power of attorney by notary will save you from possible errors.

Additional fees do not require, but decorated on the uniform letter written by all the rules text will look quite differently than written by hand.

Sometimes it is necessary to independently write a power of attorney, for example, if the notary has not come across such documents before. In any case, it is useful to know what is indicated in this power of attorney. You can trust the notary and need to be trusted, but it does not hinder it either. Therefore .

What else to write in the power of attorney

At the power of attorney, the actions that are permitted by it are mandatory. Moreover, they can be both specific (make changes to the contract [policy] of mandatory insurance) and general (represent the interests of the principal in the insurance company). If you plan to get a part of the insurance premium, it should be spelled out separately.

If the power of its attorney is not prescribed, then it is considered to be equal to one year. Maximum period - three years.

Amendments to the electronic policy of OSAGO

Clause 1.10 of the Rules of OSAGO provides for amending electronic insurance both in electronic form and in the office of the company, with the issuance of the policy on paper blank.

On the other hand, in paragraph 8 of Art. The 15 CTP Act said that about changes in the policy of the policy should be notified in writing.

In general, this possibility is now different depending on the company. In Rosgosstrakh, for example, in the Personal Account, through which the purchase of electronic "autocarties" is carried out, no changes to make, and in Ingosstrash, you can change the limited number of parameters via the Internet.

Therefore, if you need to change the data in, most likely, you will have to go to the company's office. And do it all the same as when clarifications in a regular policy. But with the changes you will already be issued a policy on the form, i.e. insurance will cease to be electronic.

It seems to me that in the future communication with the insurance online will spread more and more.

What data in the policy can not be changed

The rules of compulsory insurance are prescribed by those data, the replacement of which is not allowed. It:

• insured vehicle (not his TCP or numbers, but by itself the TC);
• insurer (not the insured data, but the person itself);
• term of insurance (The first graph on the form of the policy).

To change these items, it will takes a termination of the current and conclusion of the new Agreement "Avtitrolov".

Important. Please note that the insured cannot change, but the owner is quite.

That is, a new contract will have to conclude:

• if you want to insure another car;
• if you want, the insureder was another person;
• if you had a temporary insurance (To follow to the place of registration or vehicle inspection of the vehicle), and you want to conclude an usual or vice versa (as well as a change in the service life on a car registered abroad).

Selling individual cases

And now I will tell about the peculiarities of making specific changes in the insurance "AUTRITNEVA". Of course, it is an inexhaustory list. But I will tell about the most common occasions.

Adding a new driver

This is one of the most frequent reasons for making changes to the OSAGO policy. When adding a driver, an additional fee may be required. In addition to the documents common to the introduction of the change, the rights and passport of the person fit into the policy will be required.

How to calculate the insurance premium

The size of the insurance payments varies depending on several coefficients, including: and. Both are dependent on a particular driver.

The first of them depends on the term in which a person did not get into an accident in his fault. The second is from the age and experience of the driver. What these indicators are less, the fact that this coefficient is more and vice versa. There are four values \u200b\u200bof the FAQ, the turns are taken 22 years old and 3 years of experience.

Moreover, the coefficient for which the cost of insurance will be calculated is determined by a person who has the smallest age and experience, of all inscribed in the policy. Also applies to KBM. Determined by the driver with the smallest class and, accordingly, the maximum CBM.

Therefore, if the value of the CCC or CBM is added to the added driver, than already recorded in insurance, surcharge will be required.

Changing the use period

If you have indicated the period of use of the TS less than the term of insurance, and then we decided to increase the use period, you must specify the relevant data in the policy.

Moreover, according to paragraph 1.9 of the rules of compulsory insurance, it is necessary to make it before the end of the period specified in the forms.

Change of driver's license

When changing a driver's license (Wu), changes in insurance will also be required, as the driver's license number is indicated on the form. Of the additional documents there will be only a new driver's license.

However, on the back of the new rights in column 14, the number of the old driver's license is usually indicated. If there is this number, there should be no problems when checking the documents by the traffic police officers or when communicating with insurance in the future (for example, when issuing new insurance).

A honest insurer when contacting the RSA base introduces the number of old Wu, indicated on the new, that is, you will be identified by old rights with the preservation of your entire insurance history and CBM.

But some insurers come rapidly to the fact that the number of acting driver's license does not coincide with the policy letter prescribed. Therefore, when replacing right, it is better to achieve to the insurance and ask to enter the number of the new Wu. If for some reason the number of old people is not specified in the new rights, the appeal to the insurance becomes mandatory.

Changing of the living place

Of course, it is meant to change the registration. A document will be required in which a new place will be indicated, usually a passport.

The size of the insurance premium can both increase and decrease, since it affects it (CT). That is, you will have to pay extra, or, on the contrary, part of the premium paid will be returned.

Note. When calculating CT, the place of residence is not the insurer, but the owner.

CT different not only for different regionsBut for individual cities. For example, for Volgograd is 1.3, for Volzhsky -1.1, Kamyshin and Mikhailovka - 1, for the rest of the Volgograd region - 0.7. As you can see, within the same area, 4 different coefficients are used. And so everywhere.

Therefore, when moving, the appeal to the insurance will be mandatory. Even if the change in the place of residence does not entail the use of another CT (for example, moving within one city), then do not be lazy to notify the insurance about changing the registration, especially since by law you have to do this.

Replacement PTS

When replacing the TCP, the policy is also required, since in the insurance its number is indicated. Naturally, you will need to provide a new TCP. The procedure is free.

Replacing state-owners

State registration signs are also listed in the policy, so the timely update of the entry in the policy will help to avoid bewilders not only with the insurer, but also when talking with traffic cops.

Changing the state discrek is not a replacement of a car, so only changes in insurance is required, but not the design of the new policy.

If the car is insured, not registered, then the license plate does not fit into the appropriate column of the policy. After receiving the numbers, you must inform the insurer about it within three days, and it will make an entry into insurance.

Changing personal information

If you change the surname or other personal data, then besides the amendments to the policy, you will need to replace or make amendments to all documents on the car.

So in the insurance handle it is better after you have already right, STS, TCP with new data. Then you can immediately make their numbers.

Note. In some units, MREO requires insurance with new personal data. Then you have to visit the insurance twice: in the first one - to change the surname in the Polish, in the second - these documents on the car.

The insurance premium does not change, therefore the fee will not be required.

Changing the owner of the vehicle

Register a new TC owner in a policy, oddly enough, perhaps. But the insured remains the same. And, of course, to replace information in the policy can only (or a person who has a power of attorney from it). From the documents you will need a contract of sale and identity of the new owner.

That is, if you buy a used car, and agree with her former owner, it is quite possible to protrude you as the owner in the old policy. The insured will remain the same.

Note. With the insured event, the owner receives compensation, and not the insured

At the same time, the change of the owner is the basis for the early termination of the Avtnitanka Treaty. Part of the insurance premium made will be returned to the insured, in proportion to the time remaining until the end of the insurance.

But to terminate the contract, when changing the owner is the right, and not the obligation of the insured.

• in no case fit Anything in the policy of OSAGO independently;
• do not postpone with the message insurer of the changed information;
• ask to give a copy of the statement with a mark of adoption;
• do not agree on the offer of insurance about the conclusion of a new treatyIf by law you only need to make changes.

Conclusion

Amendments to Polis - one of the simplest procedures. Usually it does not cause any problems, including the insurance. In most cases, it is free.

And you had to go to the insurance to change the information in the AUTRINE TRAKA agreement? How smoothly everything went? If, when making new data into insurance, you met with some extraordinary circumstances, you simply must tell now about them in the comments.

If there are questions - ask.

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In the photo Mazda CX-5. I took here: DRIVE2.RU/R/Mazda/1260764

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Comments on Article: 36

Galina

25.07.2017 | 08:58

It turns out everything is very simple !!! Ha ha ha !!!

I can not add additional drivers 2 (!) Of the week in Polis. Electronic policy. In the office on the spot it is to be refused - you need to go to the city. This is 450 km along the hills (7 hours one way). Normal walk (ride).

And no additional payments for drivers do not need to take, the cost of the policy does not change not to a penny. And in the support service, they say that there are a lot of such people who want to make changes.

Tamara

12.09.2017 | 15:12

Elected electronically, the city is 400 km the nearest where you can make a change, when discharge, the girl was wrong and introduced another one else! Everything else coincides! I care for the sick mother, I can't make changes! I gave the documents acquaintances, they defended In Ch.F.Okiis, and they were told, only the owner, or the gene. Elderness! Is such a problem to change the data! After all, except the name everything is right! Not to make anything you need to change!

victor

01.10.2017 | 22:03

I am the owner of the car, the son went to arrange the Osago, took everything required documents (I used to be an insurer and owner before in the old policy) to make a policy where in the column the insured was its data. The girl mistakenly wrote the same policy with my data, and the son signed in the Polish, it turns out: in the policy I am an insurer, the owner and the signature of the son is worth it. Question what to do? Is Polis valid? How not to get into the face, what should they change? Thank you!

natalia.

20.10.2017 | 16:10

How to make a VIN policy?

When making the policy, made all the information, including VIN. And when received the policy file,

it turned out that VIN is missing. So pricked.

There is a VIN in TCP, there is no VIN in the VIN diagnostic card.

How to fix?

Damir

06.11.2017 | 01:13

The Renaissance website is explicitly said that to make changes to the policy of the OSAgo, a fairly simple written form of attorney.

\u003e It is not excluded, however, that somewhere you can find an office in which they will make\u003e changes in a proxy policy decorated in simple writing.

\u003e But the competence of such workers is doubtful.

And then this phrase becomes aimed at the artist's address.

Alexander

08.12.2017 | 20:21

Please tell me such a situation, I did not know that you need to make changes to the replacement of a driver's license. Now I encountered such a problem that with new rights I was refused to insure my car and so as not to lose the Broker's coefficient insured for me the old data said that I said in the week 2 in its insurance and make changes to the policy of the OSAGO on the Insurance I categorically refuses to make changes to motivate this by the fact that the insurance was initially not done on the data and it is generally illegal, says it is generally entitled to cancel my insurance without paying any money tell me how be and how to make changes to the policy of OSAGO

Eugene.

24.12.2017 | 21:16

Hello! I needed in the electronic policy to make changes. I went on 18.12 to the area (360 km), I was given a new form, taking into account my changes. Upon arrival home believed on the RS website it states that the policy is issued by Alpha Insurance, but the dates of the beginning and end of the action of the policy are not specified. What to do? Can I have in the future problems because of this? When checking the previous policy (which was replaced) all the data were

Michael

30.01.2018 | 17:39

Hello!! Please tell me! In October 2017, insurance ended, issued a new policy. And at the end of December, I changed a driver's license in connection with the end of the term. Now it is necessary to make changes to the insurance policy and the insurer sends a head office to another city to make changes. Is it possible ??? ?? Thanks in advance!!!

Marina

08.02.2018 | 14:24

Good day! The electronic policy of OSAGO in the office next to Motorr.

Due to the fact that I received new rights when calculating the price write - 3 class, and in reality 11 (according to previous rights, payments and accidents were not after replacing the rights). It was proposed to issue a policy indicating the number of old rights. You could not bind new ones to a discount, as they said that at the moment you have no existing insurance policy. A week later I went to the central office to make changes. I was denied, and the policy was recognized as not valid, the amount paid for the policy is also not returned. Please tell me what way out of this situation?

Dmitriy

27.02.2018 | 10:45

Good day. Is there a term for an insurance company in my appeal and assigning the number to my application, about making changes to the electronic policy of the CTP?

Pauline

28.02.2018 | 19:20

Good evening! This situation. When making an insurance policy, the owner (employee error) was not correctly indicated in the accident and now the insurance refuses to pay. This policy was terminated, in connection with which, again, we cannot change the insurance data from words. When terminating the policy, the employee did not see this error, did not fix it and returned the part of the funds safely. What to do? Now it turns out a vicious circle, errors in the policy of the employee's fault, change these companies refuses, and we do not get paid in the end. DTP has mutual responsibility.

Tatyana

02.04.2018 | 09:33

Good day! I have such a situation, I am the owner of the car, I do not have right. All the time the insured was the spouse, the father fited the Son. In March of this year, the pole reissued electronically on the site and automatically the system put the insured me and her husband and son put as drivers. The amount of insurance has not changed compared to last year, that is, the calculation was carried out taking into account the KBM of her husband. Tell me at the insured event whether it will not be an error.

zlatakroma.

Progress does not stand still, usually changes are aimed at relieving the lives of people, but sometimes they cause difficulties.

For example, not all motorists know how to enter a driver into an electronic policy of OSAGO.

It is not clear how to make changes, how to enter or remove a person from it, change the data on the driver's license and so on.

Here we will help you to figure out all the nuances.

Difficulties when extracting electronic policies

Previously, it was possible to arrange a policy of compulsory insurance of autocarted responsibility only in insurance facilities, had to go there with a huge number of all sorts of papers, spend time.

It sometimes seemed like motorists specially created difficulties. With the introduction of online registration systems, it became easier to pass the procedure, but the question remained - how to enter the driver to the electronic policy of the CCOS.

So far, not in all parts of the country due to the lack of the Internet, they have introduced the opportunity to buy a policy of CTP on sites, however, at least 200 thousand Russian citizens managed to feel significant advantages.

Differs online process from the usual because it takes about 30 minutes. You will not be able to impose unnecessary services, threatening with refusal in paperwork.

How do you see, electronic variant Insurance clearly has many advantages over the usual way.

Pluses of E-Polis

As it was written above, the main plus is the speed of registration. It makes no sense to spend time and money for gasoline to get to insurers. No need to stand in line and spoil your nerves. The design of the house takes about 20-30 minutes.

The absence of any imposed services. Typically, agents offer to buy still life insurance, health, in general, all that you will not need, but make you spend savings. For insurers, it is a loss, well, for ordinary car enthusiasts, this is a huge benefit.

The e-policy can be printed on a simple sheet of paper, you will not need the original document. In case of loss of the document, simply print it again. This decides the issue of paid renewal.

How much is online registration

It is not clear from where the rumor went, that such a process is more expensive than the familiar method. As mentioned above, discounts KBM It is not lost, and no one will select them, they act in the same way as with the standard procedure.

To find detailed price information, just go to the insurer's website you need and use the calculator, there you will learn the exact cost.

Regulations

To do everything correctly, you will need to make a few steps. Obviously, to begin with, a decent insurance organization should be selected, then go to their page, create a personal account there.

Be very careful when filling out the form or when you make changes. If you make incorrectly data, at least you will not pass the check, the maximum spend the money.

If you are interested in knowing how to enter a new driver in the electronic policy, know that simply making additional data and the subsequent printout of the document will not be taken into account, moreover, the document will not have legal force.

To register, you will need to specify:

• FULL NAME, date of birth, number and series of passports;
• address of the actual place of residence;
• mobile or home phone number (if you still have not turned off it);
• your e-mail address.

Usually, after these actions, you need to wait for some time for all the specified information to transfer, then the phone number you specified or your e-mail will come instructions for logging into your office.

Next, we draw out the motorway, to do this, specify the following information:

• FULL NAME, date of birth, number and passport series, address of the actual residence;
• information about the vehicle: brand, model, release date, the data that the car has passed a technical inspection;
• information about the driver's license to all who will be behind the wheel.

After a few minutes, a window will appear with the amount for payment. You can pay in cash or using bank card on the insurer's website.

In the first case, you should call in the office and settle there, or there is still an opportunity to call the courier to pay.

Most still prefers to draw up insurance traditional waySince there is distrust of the authenticity of the OSAGO electronic policy.

Motorists are afraid that if the document can be simply printed without any seals confirming the authenticity of the document, then how to find out that you have issued a real motorway?

Exactly check that you are on the official website of the company.

Do not be fooled on the so-called discounts - they are not and can not be, prices are regulated only by the Central Bank of the Russian Federation.

Make sure that the insurance organization, the client of which you are, really gives E-Osago. If not, the fraudsters act under her name.

Change the data in the policy

There are moments when it still errors are allowed when filling out official forms. At the moment, the so-called "manual" verification of information by employees of the insurance company is beginning to be introduced, however, as all people, they allow inaccuracy.

There are cases of changing the surname, this also obliges to make new data into the document. Or if there is a need to enter into an electronic policy of the OSAGO of the new driver.

If you decide that such a procedure is not worth the time spent on it, and you can just start the other by the wheel of the vehicle, then you are deeply mistaken.

Such a risk will not be justified, since any, even the most experienced, a person can get into a traffic accident. In the document, everyone who drives the car should be prescribed, only in this case they will be able to pay compensation in the event of an accident.

If this is not done, the penalty will be obliged to pay at the wheel.

Remember times and for all, in no case can you independently make changes to the policy, this right is given exclusively to insurers.

If you do this and get with such a fake law enforcement agencies, you will be attracted to criminal responsibility. Yes, and with such a "fake" insurance for you, no one will reimburse the damage.

Some insurance companies offer the possibility of calling an agent to make changes to the policy, for example, to enter the driver to the electronic policy of OSAGO.

The insurance agent can come to your home or to work so that you do not have to spend your time. However, you must need to check whether such a company really exists.

It is also worth learn whether your insurers do not provide such an option, perhaps you can already take advantage of such a service.

As in the electronic policy of the OSAO, enter the driver

To enter a new driver into an electronic policy of CTP, you need to go to the insurance organization, you need to take with you:

• current policy;
• passport of the new person;
• driving license of this person.

Insurance professionals will give you all the necessary forms to fill, it is worth noting that if the owner of the policy can not be present, he can make a power of attorney for changes. It must assure a notary.

If you want to enter an additional person to the electronic policy of the CTP, you will still have to pay for it. This is due to the fact that the possible risk of accidents increases with the new driver.

There are two criteria for which the price of insurance is calculated:

• the age of fitted personality;
• general trouble-free experience of this person.

If you make a person who has a minimum driver's experience or it is not at all, then the sum will be the maximum.

If the driver is quite experienced, namely, has trouble-free experience for more than 3 years, and he is more than 22 years old, then the insurance institution will provide a discount on making such a person.

The easiest way will be used by a special calculator, which provide all insurance organizations on the site.

How the traffic police refers to the E-Policy

Vehicles of traffic police workers are not yet equipped with all the necessary technical devices, it means that they do not have the ability to check the document you provided in electronic form. In order not to create a problem, it is best to print your policy.

How much it is worth entering the driver's insurance. Second and subsequent. Easy calculation. Just about the difficult (video)

As you can see, enter the driver in the electronic policy of the OSAGO is not so difficult, the main thing is to know that it can only be done by the insurance agent. Also, before, make a change in the insurance policy, you can easily find out the cost of such a service using the Calculator on the insurer's website.

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