Well, what is the third relevant and useful article on compulsory insurance. Today we will calculate how much it costs to enter the second (and subsequent) drivers in the OSAGO policy. A simple example - I have a very high equal to "10", respectively, my KBM (Bonus - Malus Coefficient) is equal to 0.65. However, I am not alone in the policy, I have a wife, and she has only 5 years of driving experience. And here I was always tormented by such a question - how much will it cost to enter it into the CMTPL policy? After all, I have a lot of experience, but she DOESN'T. For myself, I solved this question and now I present these calculations for you, AGAIN VERY USEFUL - FOR EVERYONE TO KNOW! So we read and look ...
Sometimes it makes me angry that insurance agents always press buttons on the keyboard with a smart face and never tell how the calculation is carried out for one driver, for two, three, and so on. It's just that they always tell you the price. And if you ask them a question, there is a bunch of excuses - like "once upon a time", "I have a queue over there," etc. In my opinion, this is not correct, because the driver can incorrectly calculate the policy himself and then go to the insurance company to sort it out, it is better to explain once than to butt 10 times later. Well, okay, today I'll tell you how to correctly calculate the policy for two drivers, and how much it will cost, EXACTLY BY LAW!
Basic cost of OSAGO insurance
Now almost every region has its own BASIC cost of the CMTPL policy. It is not the same and its price depends on many parameters, such as:
- Vehicle type. It's clear if you use a passenger car, a subcompact car - the price will be the same, if you use a commercial truck - the price will be much higher
- Region of residence. By the way, in small towns and urban settlements, regional centers, insurance will be cheaper. This is because there is a lower risk of getting into an accident, the number is corny, and, accordingly, there are fewer cars. Therefore, you ADVICE if you are registered in a small town (village, etc.) - WE FEAR THERE!
- Vehicle power. Here I think it is clear that the more powerful the car, the more expensive the compulsory motor liability insurance costs, as I think the insurance companies - this driver will shamelessly drive.
These are the basic parameters that affect the basic cost of insurance, that is, they do not take into account the drivers, but only the car itself. ON the PCA website (Russian Union of Auto Insurers), below in the calculation it will be written - Base Rate. But it can be much different upwards if you have a higher bonus-malus coefficient.
Bonus-Malus coefficient
TO " Base Rate»Your tariff is also added, that is, a discount or, on the contrary, a fine for your accident-free (or emergency) driving. Insurers call it KBM (Bonus-Malus Coefficient), how to find it OFFICIALLY -. You are assigned driver classes, from "0" to "13", and the higher the class you have, the more discount you have (for each year trouble-free driving 5% is given for the next year). BUT if you have an accident, then the next year part of your discount will expire, that is, you will pay more (and the more accidents you have experienced, the greater the fine).
I think this is understandable! But what if I have a driver's class "10" and my MTPL is 0.65, and my wife has a class “4” and MTP - 0.95 - HOW MUCH WILL THE MTPL POLICY COST FOR US TWO? OR HOW MUCH WILL IT COST TO WRITE A WIFE IN MY INSURANCE?
There is one technique here, and it works completely in the wrong direction, as I think it is not very fair.
How much does it cost to add the second (and subsequent) drivers?
To begin with, I would like to say this - whether you insure yourself with a rhinestone or enter it later, the cost calculation will be approximately the same! HERE WITHOUT DIFFERENCE! That is, that I entered my wife immediately, that I would come in a month, the coefficient would not change!
The only thing is that if you come to enter in a month - three - six, you will have to deduct this unused period. After all, the CTP policy remained only for a limited period of time.
BUT I entered right away. And actually my policy was much more expensive than the previous one. That year I will pay 5188.68 rubles, and this year with two drivers 7041.78 rubles MUCH MORE EXPENSIVE! BUT WHY IS IT?
Personally, I called the PCA to explain it to me, because my insurance did not give me an explanation! And actually everything is simple.
See the CTP policy - CALCULATED BY THE BEST DRIVER , that is, in my case, this is my wife, she has a 4th grade and a total BMD of 0.95! That is, my merits for driving are on the side.
But let's say, if she and I had the same classes, for example "10" - then the insurance would cost for the two of us only - 4818, 06 rubles The difference is almost 2200 rubles. So that's it.
Accordingly, the same is the case with the third driver in the policy - WILL ALWAYS BREAK THE WORST.
CTP insurance without restrictions
Guys, if you have several drivers in your family, say, like my friend, wife, and two sons, they all have 2 - 3 years of experience. Also, sometimes grandfather gets behind the wheel, and there are friends. It is worth looking in the direction of CTP without restrictions, that is, it does not matter how many persons are included in the insurance, almost anyone can drive this car.
BUT you need to consider - WHAT IS PROFITABLE! If there are a lot of drivers and they are all experienced (let's say their class is higher than "8", "10") then it is more profitable to simply enter them into the policy. But if there are a lot of "dummies", then it is worth thinking about CTP without restrictions.
Here is such Helpful information, now there is a video version, in it I will tell you how to calculate everything correctly on the official PCA website, we are looking.
And this is where I end, read our AUTOBLOG, I promise - it will be interesting and useful!
It happens that it is necessary enter into the OSAGO insurance one more driver not originally specified in the insurance contract. But how to do it right? where to go? You will find answers to all these and other related questions in this article.
How to enter a driver into OSAGO
Indeed, all insurers are ready to change the terms of the insurance contract in terms of supplementing the number of persons who are policyholders or beneficiaries under the contract compulsory insurance auto civil liability.
It is important to emphasize that only an employee of the insurance company can make changes to the insurance policy. In no case should you do this yourself. In addition to the emergence of potential difficulties with payments in the future, when the independent introduction of changes to the document becomes clear, the person who committed these actions may be prosecuted for forgery of documents. Why is it necessary to include a new driver in the OSAGO insurance? The answer to this question is very simple: in accordance with the current legislation, liability for damage caused as a result of a road traffic accident, in terms of monetary compensation to the injured party, is borne by insurance companies with which the insurers have concluded contracts. If such an agreement has not been concluded, however, a person not indicated in the insurance still drove the car, the violator may be imposed administrative penalty... In addition, if such a driver becomes a participant in a traffic accident, payments from the insured can not be expected. In this regard, a reasonable question arises: "Is it worth the risk?", Especially since the procedure itself is simple and does not require much time.
Documents required to amend the current policy
In order to enter a new driver into an existing compulsory insurance policy, you will need to provide only three documents to the office of your insurance company:
- a valid OSAGO policy, in which the necessary changes will be made;
- passport of the citizen whom you plan to enter into the policy;
- the driver's license of the person who will be written in your insurance.
In addition, already at the office of the policyholder, you will be given a standard application form for making changes to the list of drivers, which can be filled out there. Although, the application can be written in free form at home in order to minimize the time spent in the office of the insurance company. However, do not forget to call your policyholder's office in advance and clarify the presence or absence of any special wording in such a statement.
It is important to emphasize that, despite the fact that no legal act stipulates this, insurance companies still require the personal presence of the policy holder. If this person cannot appear at the office of the policyholder, then they must be issued a power of attorney to perform such actions. Purely formally, such a power of attorney can be written by hand by the principal personally, or certified at his place of work. However, in practice, policyholders require a notarized power of attorney. Of course, you can argue about this for a long time, but in fact it is a waste of time and effort. Do not forget that the person for whom the power of attorney is issued must have a passport with him in order to confirm his identity and the right to act on behalf of the principal.
Procedure for making changes
After your contact with the insurance company, the insurance agent makes the appropriate changes to the database, and then makes an appropriate entry in your policy. It is important to emphasize that the law requires mandatory certification of the changes made by the signature of the insurance agent, as well as the seal of the insurance company that made such changes.
Although in practice, agents often just print new policy, and the old one is taken away. It is important to say here that the law does not limit the number of persons who can be included in the insurance, so you can enter as many people as you want, and the agent has no right to demand that you purchase a policy without restrictions. But, on the other hand, if you have more than two people registered, then at the price it will probably be more profitable to purchase a policy without limiting the circle of persons.
Will you have to pay?
The main question for most is, will you have to pay extra to make changes? Unfortunately, in most cases you really have to. And the point is not at all that Insurance Company wants to charge you as much money as possible. The reason is the increased risks. So, after adding a new person to your insurance, the agent will assess his age, as well as accident-free driving experience. If the registered person is over 22 years old and has a trouble-free driving experience for 3 years or more, then, most likely, a discount will apply to him, which completely or almost completely covers the cost of risks. But if you enter a novice driver, you will have to pay. And if the same person has not yet reached the age of 22, then you will have to pay "in full", since no discounts apply to such drivers.
Provision of insurance services
And finally, it is necessary to note the innovations in customer service of insurance companies. For the convenience of their insurers, most large insurance companies are ready to receive them not only in their offices, but also to arrive at a convenient time for the client at the appointed place: office, home, etc. At the same time, the entire procedure for issuing a new policy or making changes to its old version will take no more than 15-20 minutes.
Many motorists are interested in how many people can be included in an MTPL insurance policy. This question is one of the most important and interesting. First of all, it is set by legal entities: transport companies who use cars to transport goods and passengers. If you answer the question of how many people can be included in the OSAGO insurance, it can be noted that there are no restrictions. If specialists do not allow to enter another driver, there is a lack of understanding of the subject.
How to correctly change the information in the CMTPL policy?
In order to properly cope with the task at hand, you need to look at the form insurance policy... At the same time, you need to know how many people can be entered into for free, and how many - for an additional fee. So, it is allowed to enter up to five people for free, for a fee - any unlimited number.
First of all, you need to look at the front of the document. It is on this side that there are five lines that are used to enter the personal information of drivers (last name, first name and patronymic, as well as the numbers of the current driving license). As a result, only five people can be written on the front of the document. Despite this fact, you can continue filling out the insurance in order to expand its functionality.
You need to turn the form over. As a result, on the right side in the upper part it will be possible to mark the column "Special marks", which radically changes the whole situation. Marks allow you to expand the functionality of the insurance. The opportunity is given to continue the list of drivers who have the right to drive a certain vehicle.
The possibility of changing the translation of the use of the vehicle according to a similar scheme is envisaged. For this, appropriate amendments should be made. In some cases, there is not enough space on the back of the insurance. It is possible to draw up an additional agreement to the current insurance policy. If an additional agreement is drawn up, the possibilities of changing the OSAGO policy become limitless.
The supplementary form must include the following information:
- to which the document is attached;
- seals, signatures to give legal force to the agreement;
- relevant dates of insurance.
It is mandatory that an additional form is drawn up in duplicate. This approach is due to the peculiarities of the current legislation. Russian Federation.
It provides for the possibility of entering motorists who receive the right to drive a vehicle during or after the registration of an agreement on compulsory motor third party liability insurance. This happens as the number of persons who want to be the drivers of a particular car increases.
The inclusion of motorists in the CMTPL policy provides for the possibility of significant savings. In this case, you need to enter drivers with a large driving experience and a good driving time without car accidents. Each opportunity to receive a discount of up to five percent for each person individually. This discount is cumulative on an ongoing basis, so a substantial discount is guaranteed. If the calculation of the insurance policy is carried out taking into account all the people who were included in the circle of drivers, it is allowed to use the minimum discount for each individual driver.
Adding drivers to OSAGO is strongly recommended if it provides for the possibility of enrolling motorists in insurance and the right to drive a vehicle should be granted to a certain citizen. However, the question of entering the motorist into the insurance is decided only on an individual basis. It is best to include drivers with more than three years of driving experience in the CMTPL. Beginners do not always need to be included in the insurance, since any car accident will lead to an inevitable rise in the cost of the document.
Compulsory car insurance provides for the possibility of including an unlimited number of persons who are allowed to drive a vehicle. This service provides for the ability to control the car by any driver. Just in case, you can refuse to enter certain people in the insurance, deciding to issue an unlimited policy. It is important to prepare for the use of the increased tariff rate.
The legislation of the Russian Federation provides for the specifics of insurance registration. Individuals can include certain persons in the document. Legal entities must enter an unlimited number of citizens who are interested in driving a particular car.
How to enroll people in OSAGO insurance?
Additional aspects consider the possibility of entering people into the CMTPL insurance and determine the specifics of the procedure. So, how many people can be included in the CTP insurance with a restriction? It is allowed to issue an insurance policy for up to five people, and in each case, only a certain scheme of the event is used. The correctness of the procedure, the documentation scheme determines the legal force of the OSAGO and the possibility of receiving payments in the event of a car accident.
Only the insured of the vehicle can enroll drivers in OSAGO. In this case, the need for a personal appeal to the company's employees or to an insurance agent is allowed. Only interaction with an authorized person can successfully resolve an existing issue.
To resolve the issue related to the entry of people into the CMTPL, it is impossible to do without additional documents:
- valid civil passport of the policyholder and the owner of the vehicle;
- Vehicle PTS;
- an insurance policy form, if the drivers are included in the document after its issuance;
- driving licenses of citizens who are included in the list of motorists.
Despite the high level of development information technologies, in most cases it is assumed that only paper documentation is used. The use of electronic documents is possible only if it has been possible to reach an appropriate agreement with the insurer. The main task is to provide up-to-date and truthful information that confirms the legal force of the information entered. No court can go to a meeting with unverified data, since in such a situation a violation of the current legislation of the Russian Federation is assumed.
Features of the surcharge calculation
Each driver who fits into the OSAGO insurance policy receives a coefficient in the form of a unit. It is from the moment a motorist enters into insurance that a driving history begins, which can be positive or negative. For each year of absence of accidents, a five percent discount is provided.
The amount of the surcharge is determined on an individual basis, taking into account the number of days during which the CTP policy will still remain valid. In this case, the coefficient is taken into account without fail.
MTPL policy is most profitable to issue only with the inclusion experienced drivers... Recordings of young motorists will immediately lead to a significant increase in the cost of insurance.
