Enter the driver to the operating electronic policy of OSAGO. Add a driver to Osago Polis online: how to make changes and add to electronic

20.04.2021 | Building

Computerization has come to insurance services, the convenience of obtaining "auto-trap" online estimated many vehicle owners.

Since the beginning of 2017, insurance companies with a license are required to provide their services online (Art. 15 p. 7.2 FZ No. 40 of the OSAGO Law).

The larger number of car enthusiasts use electronic car insurance services, the more likely there are questions about working with insurers sites, for example, many are not clear how to make changes to the electronic policy. Let's consider it more.

The procedure for obtaining electronic insurance "E-Osago"

Not all drivers adopted technical progress, due to different reasons, and still declared the policy of autocarted responsibility in the offices of insurance companies, spending quite a long time, standing in the queues.

Drivers (according to statistics more than 200 thousand people), who use electronic documents, becomes more and more more and more.

What an advantage of the ordinary car owner gives:

The velocity of the design with which you get E-Osago. With proper decoration, 30 minutes can print your insurance. In the office of the company, taking into account the time on the road and procedure of registration, it takes at least 2-3 hours.
Saving. On the site no one will add unclaimed services to your "autocarter" - you can decide whether you need additional insurance.
Reliability. You will not have any problems if you lose or damage your policy. It will be stored on email or in your computer, and you can duplicate it at any time. You can download it into a smartphone or printed, and it will always be at your hand (paragraph 1 of Article 32 of the Law on the CCEDo).

Convenience. You can pay the most convenient way for you: a bank card, cash, at a convenient time for you.
Comfort. You can arrange insurance at any time and anywhere, the main thing is that there is an exit to the Internet.

Electronic policy - has the same legal force as a traditional, executed by the insurance company, registered in special RCA registers.

The design of the E-OSAGO is a fairly simple process, for this you need:

Decide on the choice of an insurance company and register on its website (to enter the insurer better through the RS site (http://www.autoins.ru/ru/e-polis/rsa-members_e-polis_resistration/index.wbp), there are links to Official resources not to become a victim of fraudsters).
Open your personal account.
Get a password that will be your signature in the future.
Fill out the application and arrange insurance.
Go to payment policy.

Payment can be made both by non-cash payments and for cash. After that, the PDF document will come to E-mail, you will only have to print it on any affordable device.

When filling out the application, you need the following information, prepare it in advance, and remember - for the insurance company, the originals of documents, fairly copies or scans are needed:

Passport details of the owner of the car.
Diagnostic map of the car.
Driver's license number.
PTS data or certificate of ownership.

Information from the diagnostic card (for machines that - younger than 3 years) do not need.

Be careful! When you fill out the application, all the data you enjoy are checked by consolidated registries.

You may refuse to design the policy if your data does not coincide with the data stored in the official database.

Where to add new data to electronic insurance?

Any information to online an electronic insurance is entered exclusively through the personal account.

Initially, the possibility was planned, within two weeks after registration, make changes to the issued document. But the system has failed and adjusting changes online was discontinued.

To date, the owners of the personal account can make additional information in case of changing the name, passport data and driver's license, as well as extend and terminate the contract. Write a new driver in Osago online, unfortunately will not work.

How to add a new driver online?

For this period of time, insurance companies cannot provide the function of making an additional driver. Therefore, to enter another driver in online insurance, through a personal account, impossible.

How then add the driver to the electronic policy of the CTP?

To make changes, it is necessary to come to the insurance company, the sample will be given to you, provide the requested documents and issue a new policy of OSAGO.

Documents required for making an additional driver in OSAGO:

Passport of the insurer.
Passport of an additional driver.
Driving license of another driver.

Important! If you enter a new driver, and its driving experience and age will be less than those you have already registered in the Polish, then be prepared to make additional payment.

Before going to the office, call the Call Center of the Insurer and specify the information how to add a driver to an electronic policy online, suddenly during this time in the work of the site something has changed, and you can do it through your personal account.

Similarly to the usual printed version it is possible to make several people. These people will be allowed to manage the motor vehicle. The contract has the maximum validity period - 365 days, during which there may be a need to add another driver to OSAGO or change the data. Consider how to add a driver to an electronic policy of the OSAGO and whether it is possible to do it yourself.

Is adding a driver to E-Osago available

Many owners E-Osago are interested, whether it is possible to enter an additional person in the insurance form or make some changes. Due to ignorance, some believe that the remotely received document cannot be changed, however, this is not the root.

In the electronic version of the CTP, as in the usual printed during the use period, you can make adjustments.

Another question, how to make it?

How to do it yourself?

Theoretically, every site of a self-respecting insurance company should have technical equipment for self-admission of adjustments to the insurance document. Changes to the electronic component of autocarted responsibility should add using a personal account on the insurer's website.

But as practice shows mostly sites are not equipped with everything necessary to add new data. Therefore, insurance companies invite everyone to visit the nearest branch of the organization.

Territorial accessibility

There will be no problems in people living in the developed settlement and having insurance in a well-known SC. However, there are situations where the office of your insurance company is located far from the place of residence or location, and to make a new driver's insurance form need urgently. Therefore, this fact must be taken into account during the initial design of E-Osago. It is better to choose developed SC, with a large number of branches throughout Russia.

Required documents

Before entering the driver to the electronic policy, it is necessary to present the following documents:

identification document;
driver's certificate of man who You want to make;
e-Osago blank.

An employee of the organization is obliged to make the data of the second driver to the base. The data of the added person from now on is displayed in your E-OSAGO. On behalf of the applicant (owner of the car), a statement is drawn up, which must be filled in accordance with the rules of design. An employee of the insurance company assures the statement by the mark that he accepted it. On the hands of the client receives corrected insurance of the CTP, with printing and signature.

Transmission type of insurance

In limited insurance, the number of people permissible to management are written in the electronic policy. Think before entering a person to insurance of CTP. It may turn out that in your case it will be more correct to change, paying an additional insurance premium, it is possible to obtain a reissued policy.

The choice depends on the experience and age of the person fit. If, compared to previously inscribed in E-Oshago, he has a smaller driving guard and younger, then the client will have to pay the insurance premium anyway. The amount of surcharge is calculated on the basis of the remaining sense of insurance.

Make changes by proxy

In the case when the owner of the TS, due to any reasons, it does not have the ability to personally refline the insurance policy, it is possible to make changes to the electronic document using a power of attorney, decorated from the owner of the car on a third-party person.

Such a power of attorney will give the opportunity to make adjustments and obtain a renewed policy.

The power of attorney must be certified by a notary and it is necessary to register the powers that the owner of the car authorizes the representative.

By buying insurance online, try to think over everything in advance. Of course, a person of the second later will fit into an electronic procedure, but it will take time.

Every year more and more motor vehicles appear on Russian roads. As a result, the number of conflict situations between drivers and passengers increases, and the number of accidents is rapidly increasing. That is why the execution of the OSAGO policy today is a mandatory procedure, without the passage of which no person has the right to sit behind the wheel of the car. To simplify the process of obtaining insurance by drivers, provided the possibility of registration of policies in electronic form, through the Internet, in the insurer's office or in the telephone mode. Today we will find out in more detail how to add a driver to the electronic policy of OSAGO and how much it will cost.

How do the driver fit into electronic procedure

The procedure for designing an electronic policy is carried out as follows:

Initially, the owner of the vehicle must register on the official web portal of the insurance company, which has permit documentation for the design of the OSAO in electronic form.
The client is provided to fill a special form in which reliable data needs to be made.
The information specified in the application is conducted by the RCA test.
The applicant is sent to the telephone number specified when registering the phone number of a disposable password so that it can enter your personal account.
In its account, the owner of the car indicates all its technical characteristics and personal data that is taken into account when calculating the cost of insurance.
The client is given props for payment. The amount of payment will automatically be calculated by the program based on the data entered by the applicant. On the appropriate button you need to click on the mouse, after which the program will redirect to the desired section where you have to choose a payment method. For example, money will be written off from bank plastic or from an electronic wallet.
After the receipt of money at the expense of the insurance company, the applicant comes to the specified mail, a policy signed by the signature of the company's head and certified by the seal.
The required data is made to the RCA base.
Polis is printed and taken by a driver with him to each trip.

Attention! After the printout of the document, the owner of the motor vehicle should put its signature in a special column. After that, the policy becomes valid and gives the right to manage the machine.

Can I independently make data into insurance

The federal legislation prohibits citizens to independently make data into the policy of the OSAGO. Any changes to the document can be entered only in the insurer's office:

a new form is issued;
the "Special Instructions" section, which is present on the back of the side, changes are made.

How to add a driver to the electronic policy of OSAGO

Currently, only some insurance companies allow their customers to make changes to E-Osago through the Internet. At the same time, they cannot personally adjust their policies. In most cases, owners of motor vehicles have to personally visit the offices of insurers to make new drivers in electronic documents.

In the insurance company

When planning a trip to the office of the insurance company, through which the E-Osago was drawn up, an individual must prepare a package of documentation in which:

personal passport of the insured person;
driver's license;
printed electronic policy.

Attention! An employee of the insurance company on the spot will make all copies from the original documents, after which they will assure them.

In place the owner of the car will have to fill out the statement of the established sample in which it is necessary to make:

personal data;
car information;
registration address;
contact phone numbers;
agreement number;
data on a new driver (experience, full name, number and series of rights, date of birth).

The application is drawn up in two copies, one remains on the spot, and the second returns with a mark on the adoption of the Insured person. After checking all the data (the procedure can last up to 10 days), the employee makes changes to E-OSAGO and sends the applicant's email document.

Attention! For the changes made to E-OSAGO will have to make a surcharge. The amount of payment will depend on different factors, so it is calculated by a representative of the insurance company in place, through a special Calculator program.

Through the Internet

For strongly occupied people, as well as for drivers who do not like to crowd in queues, many companies provide online insurance services. Citizens are given the opportunity not only to arrange the policy of OSAGO through the Internet, but also to make some changes to it.

Attention! To enter the policy of the new driver, the owner of the vehicle follows through the personal account to submit a statement of the established sample in which data will be indicated on the new driver. This is done through the feedback form. After checking the policy, the changes entered will be sent to the client by email in PDF format.

By phone

In the telephone mode it will not be possible to make changes to the electronic policy. Citizens will have to personally go to the nearest insurer office with documents. In the telephone mode, they can only clarify any data necessary to fill the application if it is written in advance.

Price of additional registration

The cost of extra charge for the introduction of a new driver in E-Osago is calculated by the specialists of the insurance company. The following factors will have a direct impact on the amount of payment:

age group;
driver's experience;
cBM indicator;
the size provided by the customer of an individual discount;
type of motor vehicle;
region in which the owner of the car is registered;
the number of horsepower;
term of the insurance contract.

Conclusion

To date, more than two hundred thousand auto transport owners have already been able to assess the advantages and disadvantages of E-Osago. The main advantage of such a policy is a way of registration, thanks to which citizens disappears the need to spend time on visiting insurers' offices.

But, also the electronic CTP has a number of significant drawbacks, one of which is the lack of opportunity through the Internet to make changes to the electronic document. Insurers assure that they are actively working on improving the service and soon the owners of the machines will be allowed in the online mode.

You will also be interested to learn about this situation when, what will happen when an accident and how everything is issued.

For all issues with insurance, our lawyer can help you. Consultation is absolutely free. Sign up.

We are waiting for your questions and assess the post.

If earlier to buy an OSAGO form could only personally, in the insurer's office, now the service is available in real time. Consider in the article, how to add a driver to the electronic policy of the OSAGO and how much will need to pay extra.

Many motorists are asked: what is the difference between the usual insurance contract from electronic? If you compare the conditions under the contract, there are no differences. For each contract, the insurance company is guaranteed to pay the funds to the culprit, within the framework of the approved limit.

Difference of contracts:

It turns out, the difference is only in the procedure for design and the appearance of the policy.

Benefits

The electronic product today is very popular. Such a demand is associated with the numerous advantages of an attractive product.

Benefits:

Saving time	Thanks to electronic insurance, you do not need to spend your personal time on the road and waiting in line. It is no secret that sometimes the purchase of the form goes all day
Available for any region	To buy protection can residents of remote areas, in which there are no representative offices of insurance companies.
Lack of additional services	It is no secret that the insurers often impose additional products in the office, the cost of which can reach several thousand rubles.
The ability to select conditions	Each client himself makes a decision, how many drivers will enter, and for what time it is to buy protection.
No need to provide a car to inspect	As part of the law, the insurer, when making a policy, may ask to provide a car to a visual inspection. If the term of the contract is over, but the driver will have to violate the law and come uninsured. With electronic insurance, it is not necessary to show the car, which is an undoubted advantage.

How to issue

Since the product appeared not so long ago, not all motorists know how to make it right. The entire purchase procedure consists of several simple steps.

Electronic Cameras Registration:

Calculation of award

To calculate the award on the site a convenient calculator is created. All you need is just to specify:

brand and model
year of issue
driving experience of the younger driver
year of the car
region registration region
number of horsepower

After making all the data, we will have proposals at once several large companies. All you will have to do is choose and start a design procedure.

Filling out the application

Immediately it should be noted that the entire design procedure is carried out on the official portal of the insurance company. To purchase an electronic policy, you will need to fill out a statement in which you can correctly indicate:

personal and passport details of the owner of the vehicle
coordinates for communication: Mobile phone number and email address
car characteristics
driver data to be allowed to manage
term of insurance
the number of the diagnostic card, if more than 3 years have passed since the car

Once all the information is correctly completed, the contract must be sent to check and register on a single portal of Rs. It is worth noting that this procedure is free and takes no more than 30 minutes.

Payment

The finished and registered form of the contract will only be paid. In most cases, insurers take to pay exclusively cards. Immediately after payment, the email form will be sent to e-mail, which was indicated in the application for insurance. The resulting form must be printed and carry with it.

Change data

Often, when placing a form, motorists make a mistake. As for the changes, they can be independently made at the design stage only if the contract form is not paid. Before paying the insurance company offers the driver to check the correctness of the specified information and, if necessary, to make changes. Otherwise, to make changes in a technical nature, you will need to contact the insurer's office and spend your personal time.

In addition to technical changes, the motorist may need to extend the insurance period or enter the driver. It is worth noting that not all companies allow you to make changes in the personal account of the policyholder. This advantage today is ready to offer only major market players, such as Tinkoff and Rosgosstrakh.

How to make data about another person

As already mentioned, only some insurance companies offer real-time to make all the necessary changes. To make a driver in online mode, you will need:

visit the official website of the insurer
log in Personal Cabinet
choose "Make Changes"
specify the contract number and request all the data
specify the driver data that needs to be allowed to manage
if necessary, add extra charge

It should be borne in mind that in most cases the company begins to be responsible for the new driver only the next day. Therefore, all changes should be made in advance.

How much is the service worth

Of course, when making changes to each driver, interests: how much it is necessary to pay for the phrase of a new driver. It is worth noting that the changes are made both for free and with a surcharge.

The amount of surcharge affects:

age and experience of a new driver
coefficient KBM

According to the rules, the calculation of the insurance premium is carried out by the driver, with the smallest CBM.

For example, under the contract drivers from 22 years old were inscribed, with experience 3 years. The discount under the contract was 10%. When visiting the driver:

at the age of 35, experience more than 7 years, 20% discount - surcharge is not charged
at the age of 20 years, the experience of 2 years, a 5% discount is a surcharge of 5% of the amount per difference in KBM + an increase in the minimum age and experience, in the amount of 1.8.

It is important to take into account that the size of the surcharge is determined for the remaining time. To calculate insurers:

make calculation for the year, taking into account the writ of new driver
from the amount received, take the size of the previously paid award
the resulting digit is divided by 365 days
the received payment per day is multiplied by the remaining number of days of the contract

Does the cost depends on how many people in insurance

Many drivers are mistaken that the cost of the contract depends on the number of drivers. It is worth noting that according to the rules, each car enthusiast can enter into a form of up to 5 drivers. At the same time, the calculation will be taken into account exclusively age, experience and discount. If, when issuing the contract, the policyholder chooses the condition "unlimited number of persons under the contract", then in this case the cost of mandatory protection automatically increases by 80%.

How to protect yourself when designing

With the advent of electronic insurance in the World Wide Web, fraudsters appeared who offer fake contracts to drivers. Experienced experts give a few simple tips how to protect themselves from buying a false E-Osago.

buy the contract form only through the site of the proven broker
camera OSAO in a company that has a current license (you can check the information on the official website of the RSA)
do not be seduced by additional discounts, since the settlement of the CCAMA is carried out according to the Unified Tariffs
do not send any data by mail to the Broker address and money by the map number or on the electronic wallet, provided that after the policy will be provided

The entire insurance procedure should occur exclusively on the official insurer's website. This will allow you to buy a real contract form, which will be guaranteed payment upon the occurrence of the insured event.

The electronic version of the OSAGO is not in vain is popular with car enthusiasts. Get it easier, additional commissions are not imposed and you can not go to insurance. However, when the policy has to make changes, "electronicity" of the OSAO can serve as an obstacle, especially if your insurance does not support the function of making new data into online insurance.

In addition, the change in the CTP can be associated with other difficulties, such as: extra charges, new calculations of KBM, etc. What to do in case you need to enter another driver in the policy? Let's figure it out together.

You can change the data in the OSAgo for many reasons - changed the address of the registration, TCP, surname or name, new owner, etc. However, one of the main circumstances remains new data on the existing driver or adding a new one.

If you want your vehicle to legally manage someone else and has been protected on a par with you on OSAGO, need:

Get documents from a new driver - rights, passport.
Contact an insurance company with a statement about changing data in the already current CCAMA.
Pay for the difference in the cost of policies without a new driver and with a new driver.
Get altered insurance.

In theory, everything is simple, but also recently the law claimed that the introduction of changes to the policy is impossible and the owner is issued a new policy if necessary, something to change something. In fact, the change of the policy is fully required only if there are serious grounds. Many insurance companies make changes simply to the "Additional Information" item in order not to reissue the policy fully, so that the introduction of information about the new driver does not constitute difficulties.

In some situations, the policy replacement is fully advisable - for example, if the surname was changed or you have made two or more new drivers who admit to the vehicle. This is true for paper policies, since the electronic acts a little differently, and changes to the electronic version of the CTP Blank are easier and do not require full replacement of insurance.

If you are the owner, then the algorithm of your actions is indicated above. Provide to the insurance need not only a statement, but also documents of the new person allowed to manage a person (more precisely, the data from them). After that, there are recalculation of such coefficients as Bonus Malus, and other benefits capable of reduce the additional price to the insurance already paid for insurance.

If you are a driver, without the consent of the owner to enter yourself in Osago will not work. To do this, you will need a power of attorney from the owner of the TC, where your right to commit such actions will be spelled out.

How much is

The price will depend on how many people you are prescribed in the "Drivers" section. Here all the same qualities and circumstances are taken into account that they were taken when you were issued by the OSAGO for the first time - driving experience, experience of entering or incomprehension in the accident, the characteristics of the vehicle, etc.

If new drivers do not have experience or it is very small, then the additive value of the CTP can be quite large. It happens if the motorist repeatedly got into the accident and lowered his "reputation". However, if the experience and experience are large, it is possible to limit ourselves to meager sums that constitute several percent of the original price.

How to make changes

You can make changes in two ways:

In the office through writing a statement with the appendix of all documents, including the OSAGO himself.
Online - on the sites of insurance companies that have technical capabilities to make such actions.

If everything is clear with a trip to the office, then online changes are still in a novelty drivers. So, to fit a new driver, you need:

Having a personal account in your SC, and access access to it.
Go to your account on the page view of your electronic policy.
Scroll through the page until you find "make changes".
Press this link.
Fill out an application application carefully - select the desired fields, enter the desired data and numbers.
Prescribe a new driver's license that will now have the right to use your car.
Click "Send" after filling the rest of the rest.

After that, it will only have to wait until the document comes to readiness. In addition, all data will be carefully scanned and tested on government systems. It is also required to provide scan of passport and human rights you enter into a policy.

After that, you will receive a new insurance or a request for its receipt in the office. Next, you can act, as usual - print E-Osago and ride a printed copy.