Amendments to the OSAGO policy: rules and procedure

Situations requiring updating of data in the insurance contract arise from drivers regularly. This can be a change of residence, a change of driver’s license or the sale of a car. Many motorists mistakenly believe that the old policy is valid until the end of the term without the need to notify the insurance company, but this is not always the case.

The law clearly regulates the cases where modification of the OSAGO policy It is a mandatory requirement. Ignoring these norms can lead to a refusal to pay or problems when checking documents by the traffic police inspector. In this article, we will analyze all the nuances of the procedure, cost and procedure for different scenarios.

It is worth noting that the procedure for registration can differ significantly depending on what you change. Somewhere you will simply need to transfer new data, and in other cases you will have to pay extra for the remaining period of the contract. Understanding these differences will help you save time and money.

Cases requiring mandatory data updates

There is a list of circumstances in which the driver is obliged to apply to the insurance company. This is not just bureaucracy, but the need to update information in the database of the RCA (Russian Union of Auto Insurers). If the data in the policy and in the database do not match, this is considered to be the absence of insurance.

Most often, changes concern the change of the owner of the vehicle. When selling a car, the old policy does not automatically transfer to the new owner. Previous owner You must terminate the contract and return part of the premium, and the new one must issue your insurance. Trying to drive on someone else's policy is illegal.

Another common case is a change of residence or residence permit. Since territoriality It directly affects the cost of insurance, moving to another city or region requires recalculation. The difference in tariffs between regions can be significant, so this fact cannot be ignored.

Driver data is also subject to mandatory update. If you initially issued a policy with a limited list of persons allowed to manage, and plan to add a new person, this should be recorded documented. Riding a person who is not insured entails a fine, and in the event of an accident, the insurance company can apply a recourse claim.

• 🚗 Change of the owner of the car (sale, gift, inheritance).
• 🏠 Change of the place of registration of the owner or the address of the vehicle.
• 👤 Adding or removing drivers from the list of drivers admitted to driving.
• 📄 Replacement of the driver's license or change of passport data.
• 🔧 Making structural changes to the vehicle (for example, installation of HBO).

⚠️ Note: If you have changed your name or passport but have not updated the data in the policy, the document may formally be considered invalid when checking through the database, since the series and number of the new passport will differ from those recorded in the insurance.

Documents for making changes to insurance

The procedure for updating information in the insurance contract requires the preparation of a certain package of documents. The absence of even one certificate can cause denial of service in the office of the insurance company. The list of papers depends on the type of changes made, but the basic set is the same for all cases.

First of all, you will need the original. MTPL. If the contract was issued electronically, it will be enough to have its number or file on your smartphone, but it is better to have a printout. It is also necessary to have a passport of the insured, since he is the party to the contract.

Appropriate documents are provided to confirm the reasons for the changes. When changing the license – a new driver’s license, when moving – a stamp in the passport or a certificate of registration at a new place of residence. If the owner changes, then a purchase agreement or other document confirming the transfer of ownership is necessary.

Do not forget about the documents for the car. The PTS (vehicle passport) and the CTS (registration certificate) must be relevant. In some cases, for example, when changing engine power after tuning, a new design safety certificate may be required.

Change of ownership and termination of the contract

The issue of transferring the policy to the new owner of the car is one of the most confusing. Many people think that insurance goes with the car, but the law says otherwise. OSAGO policy It is tied to a particular insured, not to the car as an object.

When selling a car, the old owner has the right to terminate the insurance contract ahead of schedule. In this case, he is refunded part of the insurance premium for the unused period. The calculation is made proportionally to the days remaining until the end of the policy, minus 23% (3% PCA + 20% of the company's expenses).

The new owner can’t just fit into someone else’s insurance or rewrite it for himself. He needs to be formalized. new-foundation. This rule is introduced in order to avoid confusion and fraud. Attempt to use the seller's policy after 10 days from the date of purchase of the car (the registration period) will be regarded as lack of insurance.

There is an exception: if the car is transferred by general power of attorney, then the policy can not be changed if there is a mark "without restrictions" or if the trustee is inscribed in the list of drivers. However, when selling a car under a contract of sale, this option does not work.

⚠️ Note: When terminating the contract during the sale, remember that the 10-day period for registration to the new owner is given from the date of signing the PrEP, and not from the date of receipt of the policy. Do not delay with the registration of new insurance if you plan to go on the roads.

Replacement of driving licence and addition of drivers

Changing your driver’s license is a routine procedure, but requires attention to detail. When receiving a new plastic, the series and document number change, although the personal data of the owner remain the same. The insurance company must be notified of this fact.

To make changes, it is enough to contact the insurer’s office or use the personal account, if such a function is available. You will not be given a new policy form. Instead, a special supplement is made, which is printed on a separate sheet or the data is updated in an electronic database.

Adding a new driver to the list of drivers is a more complicated procedure, as it affects the cost of insurance. MSC ratio All drivers are taken into account when calculating the total amount. If you add a young driver with a short experience, the extra charge can be tangible.

If you want to exclude the driver from the policy (for example, the spouse no longer drives), this is possible only if less than a year has passed since the start of the contract and the policy is still valid. However, the exclusion of the driver does not always lead to a refund, as the risk has already been insured.

• 🆔 When changing the rights, only the document number in the database changes, the price does not change.
• ➕ Adding a driver can increase the cost of the policy (surcharge for the remainder of the term).
• ➖ Exclusion of the driver is possible, but refunds are not always made.
• 📝 All changes are recorded in the database of the PCA, a paper copy is desirable.

Changes in the territory of use and construction

Moving to another region is an event that significantly changes the risk parameters for the insurance company. Tariffs in Moscow, Chechnya or Tuva may vary significantly. Therefore, when changing the permanent registration (registration) it is necessary to update the data in the policy.

In this case, the insurance premium is recalculated. If you move to a region with higher rates, you will have to pay the difference. If the rates in the new place are lower, it is theoretically possible to refund some of the funds, but in practice insurance companies often offer to simply pay extra or leave the policy unchanged until the next extension, if the difference is insignificant.

Special attention should be paid to changes in the design of the car. Installation of gas cylinder equipment (GBO), replacement of the engine with a more powerful one or introduction of other changes requiring registration in the traffic police, change the technical characteristics of the vehicle. Engine power is one of the key parameters for calculating the cost of OSAGO.

If you have installed HBO, but have not made changes to the CTC and the policy, in case of an accident, there may be problems with assessing the damage. In addition, the traffic police inspector when checking the numbers of units can reveal a discrepancy. In such a situation, it is required to provide the insurance certificate on the safety of the vehicle structure.

Cost of changes and payment procedure

Many people are concerned about the question: how much does it cost to make changes to the OSAGO policy? The answer depends on the type of change. Replacement of passport data, rights or address (without changing the region) is usually free. You only pay for a form or service if you contact an intermediary, but the insurance company only charges money for changing the risk parameters.

If the changes lead to an increase in the cost of the policy (addition of a young driver, moving to an expensive region, increasing capacity), a surcharge is made. It is calculated in proportion to the number of days remaining before the end of the contract. The formula is simple: (New Price - Old Price) / 365 * Remaining days.

It is important to understand that you cannot return money for the past period of the policy. Payment is made only for the future period. If the changes lead to cheaper (which is rare, for example, a decrease in engine power according to documents), the insurance company must return the difference, but often offers to set it off against the next period.

Payment can be made in cash at the office box office or online through a personal account, if the functionality of the site allows you to make a surcharge. When making changes online, a new policy (or supplement) is sent by email.

⚠️ Note: When paying for changes, make sure your policy number is listed on your receipt or payment order. An error in the numbers can lead to the fact that the paycheck “hangs” and the policy will not be activated in time.

FAQ: Frequently Asked Questions