Car owners often face a situation where different people can sit behind the wheel of a car, and there is a reasonable question about how to properly issue liability protection. Insurance for all drivers This is a popular, but not quite accurate term that is used to describe a policy without restrictions on the number of persons allowed to drive a vehicle. The legal title of such a document is OSAGO with an unlimited number of driversThis is the wording that appears in the databases of insurance companies and PCAs.
The main difference between this policy format and the standard is the lack of a list of specific names that have the right to drive. This creates flexibility for families with multiple users or for businesses with large staff. However, it is worth noting that lack of This does not mean complete permissiveness: the rules of the road and the conditions of insurance must still be strictly observed.
In this article, we will discuss in detail how this insurance is called, how it differs from the usual, how its cost is calculated and whether it is worth switching to such a format at all. You'll know. ratioIn this case, you will understand in which cases it is more economically profitable to overpay for the policy to avoid problems in case of an accident.
The official name and legal essence of the policy
When drivers ask what is the name of all drivers insurance, they are most often referring to the policy. OSAGO without restrictions. In the professional environment of insurers and in the regulations of the Central Bank of the Russian Federation, the term “compulsory insurance contract with an unlimited number of persons admitted to management” is used. This is a key difference from the “closed” policy, where the “Persons admitted to driving” column lists specific names and driving license data.
The legal essence of such a document is that the insurance company assumes the risk of liability of any person who has valid rights of the relevant category and legally gained access to the car. Owner of the vehicle In this case, it is not responsible for who is driving at the time of the accident, unless this person is intoxicated and has not stolen the car. Insurance indemnity is paid to the injured party regardless of the length of service and age of the actual driver.
⚠️ Note: Even if there is a policy "without restrictions", if the driver is a person without a driver's license or deprived of rights, the insurance company will pay compensation to the victim, but then has the full right to set a recourse claim against the culprit of the accident and the owner of the car.
It is important to note that in the policy OSAGO without restrictions in the column, where drivers are usually included, a special mark is put. This can be the entry “Unlimited number of persons” or a special code that is read when checking documents by the traffic police inspector or when issuing a European protocol. The absence of such a record when the actual admission to management of strangers can lead to a refusal in payment.
Key differences from a limited policy
The main difference between open and closed insurance is in the parameters of the calculation of the cost and the terms of payment. In a regular policy bonus-malus ratio (MSC) The price is applied individually to each driver inscribed, and the final price depends on the youngest and most inexperienced driver on the list. In the case of an unlimited policy, a single basic ratio is applied, which often makes insurance significantly more expensive.
There is also a different approach to driving history. With limited insurance, a particular person’s accident-free ride reduces the cost of their part of the policy in the future. Primary free-limit The history of driving of the owner of the car "burns" at the time of transition to this tariff, as the risk is estimated at the maximum rate. However, the car itself gets its own BMF, which will be tied to the VIN code.
- 🚗 Driver list: In a limited policy, specific people are inscribed (maximum 5, the rest are free), in an unlimited one, anyone with rights can manage.
- 💰 Cost: The policy "for all" usually costs 2-3 times more than basic insurance per experienced driver due to the increasing coefficient.
- 📉 MSC: In an open policy, the coefficient is tied to the car, not to the driver’s identity, which allows you to save the discount for accident-free driving, even if the drivers change.
Another important point is about the procedure. crash-fix. If the policy is limited, inspectors or accident participants check whether the driver is on the form. If the policy is without restrictions, this stage of the check is simplified, but requires careful filling in of the Euro Protocol to prevent errors in the indication of the actual driver.
How the cost is calculated: factors and factors
The price of the policy, which covers all drivers, is formed on the basis of the basic tariff approved by the insurer and a number of coefficients. The key parameter here becomes limitless access (CN) which is 1.87 (the value can be adjusted by the regulator). This means that the base cost is multiplied by almost two, regardless of how much a person actually drives.
In addition, the total amount is affected by the engine power of the car, the region of registration of the owner and the period of use of the vehicle. If the car is registered in a large metropolis with a high accident rate, territoriality It will increase the price substantially. The age and seniority of the owner is also taken into account, although to a lesser extent than in a closed policy.
For clarity, compare how the parameters of the calculation:
| Parameter | Limited policy | Unlimited policy |
|---|---|---|
| Driver ratio | Depends on the age and length of each | Fixed (about 1.87) |
| MSC (discount for accident-free) | Summarize or take the worst | Tied to a car |
| Ability to enter the driver | Yeah, anytime. | Not required |
| Cost | Below (with 1-2 drivers) | Higher. |
It is worth considering that insurance companies can apply their own adjustments within the framework of the allowed corridor (corridor of tariffs), so base-rate Different insurers may differ. It is recommended to compare offers in several companies before buying.
In what cases is it profitable to issue an “open” insurance
The transition to a policy without restrictions makes economic sense only in certain situations. This is especially true when the number of potential drivers exceeds five. Since the limited policy fits up to 5 drivers for free, and for each subsequent one (if there is a place in the form or through an additional one). agreements) may be complicated or additional checks may arise, policy-free It simplifies administration.
This option is ideal for cars that are shared by a large family or a friendly circle, where the composition of drivers can change dynamically. If today a son sits behind the wheel, tomorrow a friend, and the day after tomorrow a colleague, constantly run to the insurance for the car. alteration c the policy is inconvenient and sometimes paid (although by law, making changes to the current policy is free, it requires time and a visit to the office or using EDS).
Can I add the driver to an open policy?
In the policy with an unlimited number of drivers to enter anyone is not necessary and technically impossible, as it already covers everyone. However, if you decide to switch back to a limited policy when renewing, it will be a separate recalculation procedure.
Another scenario is commercialization car, for example, in delivery services or taxis (although there are separate CTP rates for taxis). If the car is corporate and many employees have access to it, open insurance becomes an alternative to legalizing their trips.
If you plan to sell your car soon, open insurance can increase its liquidity, as the new owner will not have to change the policy immediately or fit into it.
Procedure for registration and necessary documents
Insurance for an unlimited number of persons is available both in the offices of insurance companies and online through official websites or aggregators. The process is almost identical to the registration of a regular policy, but requires the indication of the relevant item in the application. You don't need to collect passports and rights of all potential drivers, enough data car-owner and the vehicle itself.
For registration you will need:
- 📄 Passport of the owner of the vehicle.
- 🚗 Vehicle passport (PTS) or registration certificate (CTC).
- 🆔 Previous CTP policy (if any) to keep the bonus-malus ratio.
- 🔧 Diagnostic card (if the car is more than 4 years old, although now the presence of inspection for passenger cars is often not required, it is better to clarify the relevance).
When filling out the electronic form on the insurer’s website, you must carefully select the option “No restrictions” or “Unlimited number of drivers”. The system will automatically apply an increasing factor. After payment of the policy e-OSAGO You will receive an email and it can be used immediately.
☑️ Checking before purchasing a policy
You will pay the difference in cost and the new policy will remain in effect until the end of the initial insurance period.
Frequent errors and important nuances of use
Many drivers mistakenly believe that having a “for all” policy allows you to transfer the steering wheel to anyone without restrictions. It's not. Transfer of control to a person who does not have a driving license of the relevant category or to a person who is in a state of alcoholic intoxication is a gross violation. In such cases insurance The right to apply regression, that is, to demand the return of the money paid to the victim from the owner of the car or the culprit.
Also a common mistake is to ignore the MSC check. When issuing an open policy, the coefficient often “flys” to the base value, if you do not control this moment. Drivers with a good history can lose the accumulated discounts. The insurer must be required to apply the correct MSC tied to motorcar or the owner, depending on the history of the previous contracts.
⚠️ Note: When buying an open-source car, the new owner does not automatically inherit the previous owner’s discount unless he or she is inscribed in the policy or the owner. The MBM in an open policy is often reset when the owner changes.
Another nuance concerns international travel. The Russian CTP policy, even without restrictions, does not operate abroad (except for some CIS countries under intergovernmental agreements, but the conditions may differ). For travel to the countries of the Green Card system, a separate international certificate will be required, where you can also specify an unlimited range of drivers, but it will cost much more.
An open CTP policy is a tool for the convenience of driving a car by several people, and not a way to avoid responsibility for handing over the steering wheel to a drunk or inexperienced driver.
Comparison with CASCO: is there no-limit there?
Unlike the CTP, where the concept of “all drivers’ insurance” is a standard option, in voluntary insurance. CASCO It's different. There is also a division into policies with a limited and unlimited number of drivers. However, the conditions can vary greatly depending on the rules of the particular insurance company.
In CASCO, an “open” policy (sometimes called a “general” policy) is usually significantly more expensive, as the insurer assumes the risks of theft and damage to the car by any person. Often, such policies have an increased deductible or additional requirements for vehicle security. OSAGO However, it only covers liability to third parties, so the risks for the insurer are lower, but the tariffs are still high.
When designing the CASCO without restrictions, special conditions may apply: for example, the mandatory use of a GPS tracker or parking only in protected parking lots at night. This is due to increased risk. hijackingWhen access to the car has a wide range of people.
Do I need to carry a driver list if the policy is open?
No, if you have an unlimited number of drivers, you don’t need to carry the list with you, as it simply doesn’t exist. It is enough to have a valid CTP policy (in electronic or paper form), a certificate of registration of the vehicle and a driver's license. The inspector will check the availability of the policy and its status in the database.
Can I switch from an open policy to a limited one at any time?
Yes, you can contact the insurance company to change the terms of the contract. You will be recalculated the cost of the policy taking into account the coefficients for specific drivers and the period when the policy was in open mode. The difference in cost can be returned to the account or set off against future extension, but more often when switching to a cheaper tariff (if there are few drivers) there is an overpayment, which is returned.
Does the number of accidents affect the cost of open insurance in the future?
Yes, it does. In policies without restrictions, the MBM (discount for accident-free driving) is tied to the car (VIN-code). If the open policy occurred accidents due to the fault of drivers, the ratio for the next year for this car will increase, and insurance will become more expensive for any future owner or user.
Is there an open insurance policy if you are driving a person with expired rights?
No, formally, the policy applies only to persons who have the current right to drive a vehicle of the corresponding category. If the license is expired, the driver is considered to have no right to drive. The insurance company can pay compensation to the victim, but then it will apply regression to the culprit of the accident.
Can I make an e-SaGO without restrictions online?
Yes, most major insurance companies allow you to apply for a policy with an unlimited number of drivers via the Internet. To do this, when filling out the form, you need to select the appropriate option. The system will automatically calculate the cost taking into account the increasing coefficient. An electronic policy has the same legal force as a paper policy.