How to add a driver to an electronic OSAGO policy? Rules for issuing an electronic OSAGO and making changes

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

It's no secret that a huge number of vehicles drive on the roads of our country, and various situations can arise every day, including traffic accidents. Motor vehicle insurance is now a mandatory procedure for all drivers. Often this creates certain problems for the owners of the vehicle, since in order to draw up documents it is necessary to go to the other end of the city, sit in queues - and all this during working hours. To alleviate the situation, insurance companies have made it possible for drivers to apply for electronic policies.

Choice of insurance

Where can I get an electronic OSAGO? First of all, only in the insurance company that provides its customers with electronic policies in the area or region of residence of the car owner. Today, only half of the companies across the country have officially started such work andeach has its own characteristics in servicing policies. So, the company "SOGAZ" provides an electronic OSAGO policy within 24 hours from the moment of application, and in some insurance groups it may take up to several days.

Procedure for registration

The rules for issuing an electronic OSAGO are the same for all insurance companies. First, the client must register on the official website of the insurance company, which has permission to issue electronic policies in the desired region.

After this:

• client receives an electronic form that must be filled in with valid data;
• the entered information is checked against the PCA database;
• the client is provided with a one-time password to the specified phone number to enter his personal account;
• in the office, all the necessary characteristics of the car and the driver that affect the amount of insurance are indicated, the total and details for payment are issued;
• customer must pay the specified amount.

After all this, a policy with the official signature of the head of the company in electronic form is sent to the previously indicated e-mail, which must be saved, and new data is entered into the PCA database. What does an OSAGO policy look like in electronic form? On the screen, this is a real document with wet seals and signatures, but to provide it to the traffic police, the paper can be printed on a regular A4 sheet. In order for the insurance to be considered valid, you only need to put a signature on the printed version in the specified column, and you can go.

E-OSAGO benefits

Pros and cons of e-OSAGO today have already been assessed by 200,000 domestic drivers, and among all the characteristics of such insurance, the advantages are mainly highlighted. Among them, of course, is the absence of the need to personally go to the company's office, waste time on the road and queues, money on gasoline and your own nerves. The entire registration process takes no more than 30 minutes, after which you can immediately print the document and go about your business with a brand new insurance.

An important advantage is that the representatives of the company simply do not have the opportunity to impose additional services and extra service on the client. Also, the owner of the vehicle does not need to provide a lot of papers, because all of them are already in the PCA database.

Besides this:

• the driver cannot lose bonuses for accident-free driving, all information is stored in an electronic database;
• cost calculation is fully automated;
• the document itself can be printed as many times as you like if the previous one is lost or damaged.

It is also very important that SOGAZ provides an electronic OSAGO policy at the same price as regular insurance. Many people think that you will have to pay extra for obvious benefits, but the legislation clearly regulates the cost of policies, so no company has the right to overprice its services. All insurance companies allow their customers to calculate the exact amount in just a few minutes by simply entering the necessary parameters.

Features of changes

According to federal law, all changes to the data made to the policy must be reported to the company in writing, but in practice, pen alties for ignoring this paragraph can be avoided, since officially the deadline for reporting changes is not installed. Also, the same legislation does not indicate that changes in the electronic OSAGO policy provide for a refusal to pay or annul the contract. Insurers can recognize insurance as invalid only in case of initially incorrectly specified data.

Separately, only those cases should be considered when the probability of an insured event changes due to a change in data. This is where insurers can find fault, because the amount of payments due to new circumstances may differ significantly from those provided for in the contract before making adjustments.

Make changes

Many are interested in the question of how to add a driver to an electronic OSAGO policy. In fact, the possibilities depend on the chosen insurance company. Some provide their customers with the opportunity to correct data directly via the Internet for some parameters, while most require a personal visit to the office. The latter option automatically makes the policy non-electronic, because after making changes by an employee of the company, he issues ordinary insurance to the client. The procedure is done free of charge for most parameters, with the exception of the need to enter one more person into the policy. How much does it cost to add a driver to an electronic policyOSAGO, depends on his age, driving experience and the duration of the accident-free ride.

What can't be changed

Changes to the policy are allowed only for certain parameters. If it is necessary to replace other information, only the termination of the current contract and the conclusion of a new one are required.

So, you will have to completely change the insurance if:

• changing the validity period of the policy;
• need to insure another vehicle;
• the policyholder is changing.

At the same time, the change of the owner of the car should not provoke the conclusion of a new contract.

Add driver

So, how to add a driver to an electronic OSAGO policy? To do this, you need to prepare a standard set of documents for making changes, plus a passport and driver's license of a person who will be included in the policy additionally.

Before you add another driver to OSAGO, you should correctly calculate the insurance premium.

This amount depends on several coefficients:

• age and experience of the driver;
• the period in which the new driver did not get into an accident through his own fault.

Age and driving experience are delimited by four values, the most expensive of which will be a driver of 22 years old with three years of driving experience.

According to the rules, all subsequent payments and the total amount of insurance will be calculated based on the data of the youngest driver.

Slight changes

In addition to how to add a driver to an electronic OSAGO policy, many are interested in information about the rules for making adjustments to other columns.

It is necessary to personally come to the company's office to change:

• period of use of the vehicle;
• driver's license number;
• registration information;
• license plate of the car;
• PTS number;
• any personal information provided on the insurance form.

To do this, you must have a valid insurance policy and documents confirming the replacement of certain data. So, to change personal information, it is often enough to provide a passport with a new residence permit. When changing a surname, it is better to first change your passport, title and rights, and then go to the insurance.

If only rights have been replaced, you need to provide employees with a new document. His number will be entered in the “notes” column on the policy form.

Replacing the state license plates of a car is not a change of the vehicle itself, therefore it is also only indicated in the old form as a note. If insurance is issued for a car with temporary numbers or without them at all, then the column is left empty. The company should be notified about the receipt of the sign within three days, then the employees will enter the information received into both the policy and the electronic database.

It is important to know that the change of registration may affect the amount of the insurance premium, since it initially depends on the coefficient of the territory. Even a change of residence inwithin one locality must be recorded by employees of the insurance group, especially since this is in accordance with the law.

Change of ownership

In addition to how to add a driver to an electronic OSAGO policy, many people are interested in how to add a new owner to it. Oddly enough, it is realistic to do this, but on the condition that the insured does not change. It is important that only the policyholder himself or his authorized representative, whose actions are documented, can apply for a change of ownership.

To carry out this procedure, you must have a sales contract and documents confirming the identity of the new owner when you visit the office of the insurance group. When buying a car in this way, you should not be afraid, because it is the owner, and not the insured, who receives payments in the event of an insured event.

By the way, the right of the insured is also the possibility of terminating the contract on the basis of a change of ownership.

Advice to policyholders

In order to avoid any problems in the future with receiving payments or recognizing insured events, clients of companies cannot independently make any changes to the policies they have on hand, even if employees assure that they will make adjustments to the electronic database, and the driver can do not come personally and do everything you need with a paper document yourself.

Also, do not delay notifying the insurance company about changes in information that have appeared. After employees accept the application for acceptance of data for change,you should take a copy of your signed statement from them.

And most importantly, never agree to a new contract, if the law allows you to make adjustments to the current one.

Conclusion

In most cases, the procedure for making changes to the policy is free and very fast. Additional payments require only the addition of a less experienced or younger driver to the insurance. When filling out documents electronically, be careful, and then you will not have any unforeseen problems.