How much does it cost to enter into the driver's insurance without experience. How much does it cost to include a person in insurance?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, you no longer need to issue a power of attorney so that someone else other than you can drive your transport. It is enough to indicate the data of this person in the OSAGO policy. But it happens that by the time a new driver appears, the policy has already been issued. No problem! The document can be changed, but not free of charge and in compliance with all procedures. How much does it cost to include a person in insurance, how to do it right?

List of documents

Before you enter the driver in the OSAGO insurance, make sure that all the necessary documents are available.

1. Current OSAGO policy.
2. Passport and driver's license of the person to be added to insurance.
3. If the owner cannot be present in person at the time of the policy change procedure, he must prepare a general power of attorney.
4. Application to the insurance company for changes.

The last item is optional. You can fill out an application at the office of the insurance company. Surely do thisyou don’t have to, since the employee will prepare the form himself, all that remains is to put down signatures. But it is also possible to write an application in advance in a free form, just check with the insurer first what mandatory wording should be contained in the document.

If the driver being included in the list cannot be present when his name is included in the policy, it's okay. It is enough that the car owner has the documents of the new participant with him.

How the procedure works

Everything about everything takes a maximum of fifteen minutes, not counting the queue and the road to the office. Some companies arrange for a representative of the insurer to travel to the home or to another place convenient for the client.

An employee of the company will answer all questions, calculate how much it costs to include a person in insurance specifically in your case, make changes to the database and reissue the policy. The agent can enter the new driver into the old insurance. But usually the old form is withdrawn from the car owner and a new one is given in return - with all the changes.

Regardless of how the data is entered, entries must be confirmed by the signature of the employee and the seal of the organization.

Why does the price of the policy change

The procedure itself costs nothing, but the cost of the policy itself may change if the risk of an accident increases. For example, a new entrant may be of a younger age and driving experience than the owner of the car. The cost of the policy is determined by the CMTPL class of the most risky driver, so the manager of the insurance companyhas the right to ask for a refund of the accident-free driving discount that was previously given to the car owner.

Be sure to keep your surcharge receipt! It may be needed if a new member gets into an accident.

If the “new” is over 25 years old, has more than three years of driving experience, has previously concluded OSAGO agreements, then it is possible that you won’t have to pay extra. How much it costs to enter into the insurance of a beginner - you will have to check with the insurance company, since it is difficult to calculate on your own. The results of self-calculation are likely to differ from the real ones. However, we can look at an example calculation to make it clearer how the new cost is added up.

Calculation example

For example, you are twenty-five years old, you have been driving a car successfully (without accidents) for five years. That is, you have an 8th class OSAGO, which corresponds to a bonus-malus coefficient (CBM) of 0.8, therefore, a 20% discount. The age/length of service coefficient (SWR) is 1.

You want to add an eighteen-year-old relative who recently got a license to insurance. Find out how much it costs to enter into the driver's insurance without experience.

SWR of a newly minted driver is 1.8, and KBM is 1 (standard 3rd class, assigned to all drivers applying for OSAGO for the first time).

Let's assume that excluding SWR and CBM, the price of the policy is 7000 rubles. So, after applying your coefficients, you paid: 70000, 81=5600 RUB

If several people are indicated in the insurance, thenthe cost is calculated according to the worst coefficients. That is, the new price in your case will be determined by the coefficients of the new participant: 700011, 8=12600 rubles

The difference is 7000 rubles. But it needs to be adjusted for the period for which you plan to enter a new driver. If there are six months left until the end of the policy, then you will have to pay not 7000, but 3500 rubles.

How many persons can be included in the policy

So, we figured out a little about how much it costs to enter into the insurance of a new person. Now let's find out how many drivers can be allowed to drive a car under one insurance.

There are no restrictions here, despite the fact that the form has only five fields for specifying new faces. If there is not enough space, drivers are listed either on the back of the policy in the "Special Notes" or on an additional sheet that is attached to the insurance.

Regardless of the number of people that you want to allow to drive your car, the insurer is not en titled to require you to issue a policy without restrictions. Another thing is that if the number of drivers is more than three people, then this option is more profitable.

Is it possible to enter a new driver in CASCO

Of course you can. How much it costs to enter a new person into the CASCO insurance is more difficult to say than in the case of OSAGO. After all, the tariffs for state insurance are set by the Central Bank, and with CASCO everything is very individual. But the principle is the same: everything depends on the remaining term of the policy andparameters of the new member.

If you purchased CASCO for any promotion, then your discounts after adding a new driver will most likely burn out. Or maybe, on the contrary, your company provides benefits when registering a newcomer.

What not to do

It is important not only to know how much it costs to include yourself in insurance or add someone from your relatives to the list, but also how not to break the rules in this process. Otherwise, the cost of including a new driver in the policy will increase many times.

For example, you are not allowed to record yourself. This can be regarded as a forgery of documents. In addition, in this case, the driver will compensate for the damage in case of an accident from his own pocket.

By the way, if you own a car, make sure your name is also on the list. Sometimes the person who owns the transport is not included in the policy, arguing that this measure is a mere formality. But neglecting it threatens that the car owner will have to pay for the damage himself in the event of an accident, despite the presence of a policy.

If you allow a person to drive your transport without making changes to the policy, then this threatens with a fine.

Now you know how much it costs to enter a new driver's insurance, how to do it, what can happen if you ignore this requirement. Get your paperwork right and be careful on the roads!