An insurance policy is a document that requires relevance. Changing your last name after marriage, changing your place of residence, buying a new car, or even making a mistake in your phone number - any inaccuracy can lead to problems when filing an accident or paying compensation. In 2026, the procedure for making changes to OSAGO and CASCO simplified, but there are still nuances that are important to know about.

In this article we will look at what data can be changed in insurance and how to do it. online through the websites of insurance companies (for example, RESO-Garantiya, Ingosstrakh, SberInsurance) or government services (for example, Public services), as well as what to do if the insurer refuses to make changes. We will separately focus on changing a car in the policy, adding drivers and correcting technical errors - with examples from practice and current tariffs.

Spoiler alert: some changes (for example, adjusting your address) can be made for free, while others (for example, replacing a car) will require you to pay extra. But there is good news - from 2023, many insurance companies allow you to make changes without visiting the office, through a mobile application or personal account.

What data can be changed in OSAGO/CASCO insurance?

Not all fields in the policy can be edited. Insurance companies divide changes into two categories:

  • 🔄 Technical changes — correcting typos, updating contact information (phone, email), changing the registration address. Usually free.
  • 🚗 Significant changes — replacing a car, adding/removing drivers, changing the type of vehicle use (for example, from “personal” to “taxi”). They often require additional payment.

Here is the complete list of data that can be updated:

Type of change Examples Is additional payment required?
Personal data of the policyholder Full name, passport details, registration address No (except for changing your last name upon marriage - a new form may be required)
Contact information Phone, email, postal address No
Vehicle data License number, VIN, model, year of manufacture Yes (premium recalculation)
List of drivers Adding/removing drivers, changing length of service Yes (if the KBM coefficient changes)
Insurance conditions Changing the franchise, expanding coverage Yes (renewal of contract)

⚠️ Attention: If you sold the car specified in the policy, then simply changing the data unacceptable. It is necessary either terminate the contract with the return of part of the premium, or arrange a replacement vehicle (if the new car meets the insurance conditions). Ignoring this rule may lead to denial of payment in case of an accident.

📊 How do you usually make changes to your insurance?
Through your personal account on the insurance website
At the company office
Through State Services
I call the hotline
Didn't change the data

How to change personal information in insurance (full name, address, passport)

The most common reason for changes is a change of surname after marriage or divorce. Also relevant when moving (change of registration) or replacing a passport. The procedure depends on the type of policy:

  • 📄 OSAGO: changes are made to the database RSA (Russian Union of Auto Insurers), so it is enough to contact any insurance company.
  • 🛡️ CASCO: amendments are made only at the company where the policy was purchased.

Step by step instructions:

  1. Prepare documents:
    • 📋 New passport (if your name or series/number has changed).
    • 📋 Marriage/divorce certificate (if changing surname).
    • 📋 Extract from the house register or registration certificate (if changing address).
    • 📋 Old OSAGO/CASCO policy.
  2. Contact your insurance company:
    • 💻 Via Public services (only for OSAGO).
    • 📱 Through the insurance mobile application (for example, SberInsurance, AlfaInsurance).
    • 🏢 At the company office (sign up in advance).
  • Get an updated policy:
    • 📄 Electronically (by email or in your personal account).
    • 📄 On paper (if required).

    ☑️ Documents for changing personal data

    Done: 0 / 5

    ⚠️ Attention: If you changed your last name, but did not update the data in the policy, in the event of an accident the insurance company may refuse payment, citing data inconsistencies. This also applies CASCO, and OSAGO — check the relevance of the information at least once a year.

    💡

    If you have changed your last name, first update the information in your passport, then in your driver’s license, and only then in your insurance. The order is important: the insurance company verifies the information with the traffic police.

    How to change a car with MTPL/CASCO insurance

    Replacing a car on a policy is a more complex procedure than updating personal data. It is important to consider here:

    • 🚗 Policy type: in OSAGO replacement is possible only with a car of the same category (for example, a passenger car for a passenger car), and in CASCO - in agreement with the insurance company.
    • 💰 Cost: if a new car is more expensive or has different characteristics (power, age), you will have to pay extra.
    • ⏳ Deadlines: Some companies require a wait of up to 30 days after purchasing a new car.

    Algorithm of actions:

    1. Check the new car's compliance with the insurance conditions:
      • 🔍 Same category (for example, "B" to "B").
      • 🔍 Engine power is not higher than specified in the policy (for CASCO).
      • 🔍 Age of the car (some policies are valid only for cars under 5 years old).
    2. Collect documents:
      • 📋 PTS or STS for a new car.
      • 📋 Purchase and sale agreement (if the car was purchased recently).
      • 📋 Passport of the policyholder.
      • 📋 Old policy.
  • Contact your insurance company with a request to replace the vehicle. This can be done:
    • 💻 Online (via your personal account or email).
    • 📞 By calling the hotline (for example, in VTB Insurance or Renaissance Insurance).
    • 🏢 In the office.
    • Pay the difference in premium (if required) and get a new policy.

    Example of surcharge calculation:

    Let's say you were insured Kia Rio 2018 (the cost of OSAGO is 5,000 ₽), and you bought Toyota Camry 2020. The new premium for 2026 tariffs will be 7,500 rubles. You will have to pay extra 2 500 ₽ for the remaining term of the policy.

    What happens if you don’t change the car on your policy?

    If you sell the car but do not notify the insurance company, the policy automatically becomes void. In the event of an accident in a new car (not included in the policy), payments under compulsory motor liability insurance will be made to the victim, but the insurance company has the right to recover damages from you in a recourse manner. In the case of CASCO, refusal of payment is guaranteed.

    How to add or remove a driver from insurance

    Changing the list of drivers is relevant if:

    • 👨‍👩‍👧‍👦 You allowed a relative or friend to drive the car.
    • 🚫 One of the drivers has lost his license or will no longer drive your car.
    • 📈 The driver’s experience has changed (this affects the KBM coefficient and the cost of the policy).

    Procedure for adding a driver:

    1. Check how many drivers are allowed on your policy (usually up to 5 people in OSAGO).
    2. Prepare:
      • 📋 Passport of the new driver.
      • 📋 Driver's license (to check experience).
      • 📋 Data on KBM (can be found on the website RSA).
  • Contact your insurance company with a claim. If the new driver’s KBM is worse than the current driver’s, you will have to pay extra.

    • Driver removal procedure:

    It is enough to submit an application to the insurance company. If the driver being removed had a worse CBM than the others, you may be downward recalculation cost of the policy.

    💡

    Adding a driver with less than 3 years of experience or with a bad accident history (low BMC) always leads to an increase in the cost of the policy. Before making changes, check the candidate’s BMR on the RSA website - this will help avoid unexpected additional payments.

    How to correct an error in insurance (typos, incorrect data)

    Typos in policies are a common problem. Most often errors occur in:

    • 🔠 Vehicle registration number (for example, "A123BC" instead of "A123BC").
    • 🔠 VIN code (symbols are mixed up).
    • 🔠 Full name of the policyholder (for example, "Ivanov" instead of "Ivanov").
    • 🔠 Registration address.

    How to fix:

    1. Compare the data in the policy with the original documents (PTS, passport, STS).
    2. If a mistake is made insurance company, contact them with an application and copies of documents. The fix must be free.
    3. If the error is your fault (for example, the data was entered incorrectly during registration), some companies may charge a fee for re-registration (usually 200–500 rubles).

    Example of a letter to an insurance company:

    Hello!

    In the MTPL policy No. 123456789, issued on 01/01/2026, there was an error in the license plate number of the car.
    

    Indicated: A123BC77
    

    Should be: A123BC77
    

    Please make corrections. I am attaching copies of the PTS and STS.
    

    Sincerely, Ivanov I.I.

    ⚠️ Attention: If the policy indicates incorrectly VIN code or license plate number, when checking the traffic police or an accident, this can be equated to lack of insurance. Fine - 800 ₽ (Article 12.37 of the Administrative Code).

    How much does it cost to change your insurance information?

    The cost depends on the type of change and the insurance company. Average prices in 2026:

    Type of change OSAGO CASCO Notes
    Correcting typos Free Free If the error is the fault of the insurance company
    Change of name/address Free 0–300 ₽ Some companies charge a fee for a new form.
    Adding a driver 0–1 000 ₽ 0–1 500 ₽ Depends on the new driver's KBM
    Car replacement From 500 ₽ From 1,000 ₽ Plus additional payment for the difference in premium
    Change of conditions (franchise, coverage) No such option From 500 ₽ Requires contract renegotiation

    Example:

    You add to the policy CASCO driver with 1 year of experience (KBM = 1.8). The current bonus is RUB 20,000. After recalculation, it will increase to 22,000 rubles. You will have to pay extra 2 000 ₽ + possible commission for changes (for example, 300 ₽).

    💡

    Before making changes, check with your insurance company preliminary calculation. some companies (for example, Tinkoff Insurance) allow you to do this online in your personal account.

    What to do if the insurance company refuses to make changes

    Refusals occur for two reasons:

    1. Justified refusal:
      • 🚫 A new car does not meet the terms of the policy (for example, a truck instead of a car).
      • 🚫 The policy has expired.
      • 🚫 You are trying to make changes that are contrary to the law (for example, indicating a non-existent driver’s experience).
  • Unreasonable refusal:
    • 🔄 The insurance company requires an additional payment to correct its mistake.
    • 🔄 Refuses to make changes without explanation.

      • Your actions:

      1. Demand written refusal with justification.
      2. If the refusal is unfounded, write a complaint:
        • 📧 To the email of the insurance company (usually claims@name.ru).
        • 📄 B Central Bank of the Russian Federation (if your rights as a consumer are violated).
        • 📄 B FSSN (Federal Service for Financial Markets).
    • If the issue is not resolved, go to court. According to statistics, 80% of claims against insurance companies are satisfied in favor of clients.

    Example of a complaint to the Central Bank of the Russian Federation:

    To the Bank of Russia

    from Ivanov I.I.
    

    passport 1234 567890
    

    address: Moscow, st. Lenina, 1
    


    COMPLAINT
    

    On 01/01/2026 I took out OSAGO policy No. 123456789 at the company "XXX". On January 10, 2026, I applied to correct an error in the car’s license plate number (A123BC77 was indicated instead of A123BC77), but the company refused to make changes, citing “internal rules.”
    

    Please check the actions of the insurance company for violation of Art. 16 of the Law of the Russian Federation "On the Protection of Consumer Rights" and Art. 4.1 of the Law on Compulsory Motor Liability Insurance.
    

    Attached: a copy of the policy, a copy of the PTS, a letter of refusal from the insurance company.
    


    Date, signature.
    💡

    If the insurance company delays responding to a complaint for more than 30 days, you have the right to demand compensation for each day of delay (under consumer protection law).

    FAQ: Frequently asked questions about changing insurance data

    Is it possible to change your insurance information online without visiting the office?

    Yes, most insurance companies (eg. SberInsurance, AlfaInsurance, RESO-Garantiya) allow you to make changes through your personal account on the website or mobile application. For MTPL you can also use the portal Public services. An exception is replacing a car or adding a driver with a bad car: this may require a visit to the office or a call to the hotline.

    How long does it take to make changes?

    The period depends on the type of change:

    • 🔄 Correcting typos or changing the address - 1–3 business days.
    • 🚗 Car replacement — up to 5 days (background verification required).
    • 👨‍👩‍👧‍👦 Adding a driver - 1–2 days (if the KBM is ok).

    Electronically, changes can be made in a few hours.

    What happens if you don’t update your insurance information?

    The consequences depend on the type of nonconformity:

    • 📛 Typo in license plate/VIN: In case of an accident, the policy may be invalidated. Fine - 800 ₽ (Article 12.37 of the Administrative Code).
    • 👤 Outdated personal data: problems with payment (the insurance company may require supporting documents).
    • 🚗 Vehicle mismatch: refusal to pay under CASCO or recourse claim under OSAGO.

    In 2023, Rosstrakhnadzor recorded 12% refusals in payments due to out-of-date data in the policies.

    Is it possible to get a refund if the policy has become more expensive after changing the data?

    No, the surcharge when changing conditions (for example, adding a driver with a bad car or replacing a car with a more expensive one) is a non-refundable amount. However, if you terminate the contract (for example, you sell a car), the insurance company is obliged to return part of the premium for the unused period (minus 23% for business management).

    Do I need to change my policy if I have changed my registration, but the car is registered at the old address?

    Yes, the policyholder's address in the policy must match the address in the passport. even if the car is registered at a different address. This is the requirement of clause 1.7 of the OSAGO Rules. An exception is if you temporarily live at a different address (for example, on a business trip), but in this case it is better to check with the insurance company whether notification is required.