Quite recently, motorists got acquainted with such an attractive product as electronic OSAGO. Consider in the article how to make changes to electronic policy OSAGO and what is needed for this. Also in the article we note in which cases the insurance company will not be able to make changes.

When should changes be made?

In paragraph 8 of Art. 15 of the Federal Law "On OSAGO" clearly states that the policyholder must notify the insurer of all changes that occur during the entire term of the contract.

At the same time, the insured must notify of the change not only of the information that appears in the policy form, but also of all the others that were provided during the conclusion of the OSAGO.

You should notify if the data has changed:

• passports;
• driver's license;
• document for the car: PTS or STS.

In other cases, you do not need to contact the insurer. As for the term, they are not discussed at the legislative level. However, do not delay and apply after a few weeks or months.

When You Can't Change

At the legislative level, it is also spelled out in which case the insurance organization cannot make changes. You cannot change the data in the electronic policy:

• the insurer under the contract;
• insured vehicle;
• term of insurance.

If you need to make changes of this nature, you will first need to terminate the contract form and draw up a new one.

Consequences and sanctions

What happens if the client, due to employment or ignorance, cannot amend the contract? Of course, penalties and punishments that are established at the level of the law do not exist.

However, there are cases when, as a result of untimely changes, drivers simply lost the earned discount and could not restore it. Specialists of the insurance company Rosgosstrakh and Alfastrakhovanie often face the fact that clients change their rights and do not notify the company, as a result of which the discount for accident-free disappears.

The loss of the accumulated bonus - these are the consequences that arise for customers who do not want to make changes to an electronic or regular OSAGO policy.

How to make changes to the electronic OSAGO policy: step by step instructions

Every motorist should know how the procedure for making changes takes place and what is needed for this. For your convenience, we have created a small step-by-step guide. Also, you can always get advice on insurance issues from our specialist on the site.

The first step is to write an application to the insurance

The first thing to do is to contact the office of the insurance organization and write a statement. The application form is always issued by employees of the insurance company. At this stage, many make a mistake and just go to the nearest insurer.

It is necessary to apply for changes to the office of the company in which the contract form was issued.

Experienced experts advise calling the insurer in advance and clarifying whether they can make these changes or not. The point is that a number financial institutions can amend the contract only at the central office.

Step two Submit documents

It is possible to make changes to the electronic OSAGO policy in the companies VSK, Consent or Ingosstrakh only if you have a complete package of documents. To apply, you will need to provide:

Additionally, the insurance organization may ask the client to show the car in a clean state. This requirement is permitted by law.

Step Three Get New Insurance

After accepting the application and the package of documents, the employee of the insurance organization will make changes to the contract form and issue a new policy. At the same time, it is important to take into account that on the new form, under special conditions, the number of the previously received contract will be written.

According to the rules, the insurer can make changes on the back of the form. In this case:

• marked " special conditions, continuation of the policy No. ";
• new data is entered;
• the position of the employee, full name and signature are put;
• date and time are written.

For example, when changing the license plate of a car:

Special conditions, continuation of policy XXX No. 0101010101 dated 02.02.2018

State registration mark: Р001РР64

Manager of IC Ingosstrakh Sidorova Olga Petrovna (Signature)

February 14, 2018 at 11:20 am

Power of attorney to amend (sample)

As mentioned above, a power of attorney will be required if the office of the insurance company is not addressed by the policyholder, but by another person.

In this case, it is important to know that if the owner is not the policyholder under the contract, then he will also not be able to make changes without a power of attorney.

Any power of attorney is drawn up by a notary. It must indicate:

• information of the insured;
• data of the authorized person;
• what actions the trustee can perform;
• validity.

For your convenience, we offer you to download . If necessary, you can get advice on drawing up a power of attorney from a consultant on our website.

Some insurance companies are ready to meet the needs of their client and replace OSAGO if there is a simple power of attorney filled out by hand by the insurers and the trustee. Whether the insurer accepts a handwritten power of attorney or not, you can check by phone.

Analysis of individual cases

Since the changes are different, in the last section of our post we will consider how changes should be made and what this may require.

Adding a new driver

It should be noted right away that this is the most relevant change for which drivers apply to the office of the insurer. In addition to all the previously listed documents, you must have the driver’s license, whose motor third party liability must be insured.

No more than 5 drivers can be entered in the policy. If the specified amount is already insured under the contract, then when entering a new one, someone should be written out. However, you can select the condition "unlimited number of persons admitted to management".

There may be a surcharge for entering the driver, which the specialist calculates automatically. You will have to pay extra if the new driver:

• the discount on the PCA base is less than the one on which the initial calculation was formed;
• age less than 22 years or driving experience less than 3 years, and for previously entered road users more.

Change of vehicle ownership

Relevant if the insured sells a car for which the insurance is still valid. To enter information, you will need to provide:

• contract of sale;
• passport of the new owner.

An additional payment for changes is charged if the new owner has a higher coefficient for the correction coefficient "place of registration".

For example, the former policyholder was registered in the Saratov region and paid at a rate of 0.7. The new owner has a registration Saratov, as a result of which the calculation is based on the indicator 1.6. It turns out that the new owner must pay the difference, which is calculated for the remaining number of days of the contract automatically according to the insurer's program.

Since 2002, Russia has adopted the law "On OSAGO", according to which each participant in the movement is obliged to insure his liability. At first, it was possible to purchase a policy only at the office or through an agent. today service compulsory insurance available via the internet.

When making a choice, you should pay attention to large and stable companies that are guaranteed to pay funds in case of an accident. Among such companies, it is worth noting AlfaStrakhovanie.

To save personal time or plan financial expenses in advance, you can find out the cost of the policy via the Internet. AlfaStrakhovanie has created a calculator for its clients that generates a calculation in a matter of minutes.

For information you will need:

1. Visit the official website of a financial company. The calculator is located in the section: "Individuals" - "Car insurance" - "Electronic insurance" -.

• Site visit . The entire procedure for acquiring an electronic form takes place on the official AlfaStrakhovanie portal. If you have previously used the products of the insurer, then it is enough to enter Personal Area using login and password.

• A calculator will appear in this section, in which you should enter the necessary information:

• transport category;
• make and model;
• year of issue;
• VIN number;
• state registration mark.

• After entering all the information, you need to click "Next".

• Filling out an application . This is the most important stage of e-insurance. You will need to specify: passport information of the insured and the owner, the period of insurance and the period of use, the characteristics of the car, the number of the diagnostic card. All information must be entered exactly as it is written in the documents.

• Since the registration of the owner is taken into account in the calculation, in the next section you will have to indicate the registration address of the owner of the car.

• commencement of the insurance;
• insurance period, from 3 months;
• residence address;
• driver data (1 or more or unlimited).

Important! According to the latest changes in the law, the e-OSAGO electronic policy comes into force no earlier than 5 days after payment. It should be noted that the day of payment is not taken into account. That is why you should buy insurance in advance.

• The next section of the calculator is dedicated to drivers. You will need to provide the personal details of each insured person and driver's license details. Additionally, you will need to choose the date the policy will take effect and how many drivers will drive the vehicle.

• Date of Birth;
• driver's license;
• consent to the processing of personal data.

• To proceed to the next section, you must provide consent to the processing of personal data.

• The last thing to be done in order to receive the calculation of the insurance premium for electronic OSAGO is to indicate the data of the insured and the owner of the vehicle.

• Date of Birth;
• passport data;
• place of residence;
• Email and phone.

• To receive the calculation, you will need to confirm the specified cell phone number.

• Examination. The verification procedure lasts no longer than 30 minutes. Based on the results of the contract, a unique number will be assigned in the PCA database. In case of failure, you will need to upload scans of documents.

• Provision of documents . Additionally, the insurer may request a copy of the passport and the document for the car. These documents should be photographed with high quality and uploaded to your personal account.

• Download scan:

• the front side of the PTS;
• driver's license;
• the first page of the passport.

• After entering all the information, a detailed report on the cost of autocitizen will appear. If everything suits you, then you can proceed to the registration procedure.

• The following is the technical data of the vehicle:

• a document confirming the registration of the car;
• choice of service station (if necessary).

• Signing and payment . The last thing left to do is to check the correctness of the information specified in the policy, sign and make payment.
• Specify card details:

• Full name in Latin;
• Card number;
• CVV code.

A few minutes after payment, the electronic contract will be sent in a PDF file to the email address that was registered when filling out the application.

Electronic OSAGO is a product that AlfaStrakhovanie has been offering its customers for several years. Unfortunately, not everyone is familiar with the procedure for acquiring it.

IC "Alfa" - What documents are needed to purchase OSAGO?

Even with remote registration of the form, documents should be prepared.

Their list is minimal. What documents are required for individuals:

• passport of the owner of the vehicle and the insured, if the form of the autocitizenship is not acquired by the owner;
• registration documents for transport;
• driving licenses of all authorized road users;
• diagnostic card.

Legal entities must additionally present statutory documents and details of a personal account.

Important! As for the diagnostic card form, it is necessary if 3 years have passed since the release of the car. The document is also requested if the vehicle is used to transport people (bus or taxi).

IC "Alfa" - How to calculate the cost of an OSAGO policy?

The calculation of the cost of an auto citizen is done according to the approved tariffs, which are the same for everyone financial companies, which operate according to the license received from the Central Bank.

The calculation of insurance is affected by:

• Owner's registration . The location of the owner of the car is taken into account. The maximum rate is set for owners who live in a large city, with a high accident rate. Car owners registered in a village or region will pay 3 times less, since a minimum coefficient has been approved for them.

• Baseline . This coefficient depends on the type of vehicle: passenger car, truck, bus, motorcycle, special equipment.

• KBM. This is an indicator that is taken into account from the presence or absence of accidents. Accident-free drivers receive a 5% bonus each year, while accident-free drivers receive a multiplier. The maximum discount for accident-free drivers can be 50%.
• Power. A coefficient is applied depending on the amount of horsepower. The greater the power, the higher the indicator and the cost of the contract.

• Information of road users . In this case, the driver's age and driving experience are taken into account. If the traffic participant is under 22 years old, and there is no 3 years of experience, then the price of the e-OSAGO policy increases by 80%.

• Term. You can purchase a mandatory protection form for a period of 3 months to 1 year. The shorter the term, the lower the price of insurance.

• Violations. The calculation takes into account such an indicator as a violation of the rules. This is relevant only if the driver buys OSAGO in one company. Increasing will be applied if the driver: presented false data, was specifically the culprit of the accident.

We offer to download the current rates for OSAGO on the portal:

AlfaStrakhovanie - What does the OSAGO policy give?

As practice shows, not all motorists know what risks are covered under the contract. Most drivers buy a protection form just to provide a police officer when needed and avoid a fine on the road.

Consider in which case the insurer is obliged to pay compensation to the victim. Insurance risks:

• Damage to property . Payment is due if the vehicle is damaged. As of September 2018 maximum size payments cannot exceed 400,000 rubles. If the previously specified limit was divided by all victims, then according to the latest changes, the payment is made to everyone.

• Harm to life and health . Compensation is paid if, as a result of an accident, harm was caused to the life and health of the driver and passengers of the affected car. Pedestrians also get paid. The maximum possible payment limit for each person does not exceed 500,000 rubles.

Important! If the amount of damage exceeds the limits established at the legislative level, then the culprit must compensate the excess amount. For example, the amount of damage amounted to 500,000 rubles. In this case, the insurance company will pay 400,000 rubles, and the party responsible for the accident will pay 100,000 rubles.

AlfaStrakhovanie is one of the largest financial companies, whose services are used by every 5th participant in the movement today. This demand is due to numerous benefits.

Benefits of registration of OSAGO in IC "AlfaStrakhovanie":

• Convenience. You can become a client of a compulsory insurance company remotely. No more queues and office visits. To obtain a contract, it is enough to gain access to your personal account and buy protection.
• Safely. All data that will be entered in the personal account of the insured is available only to you and the insurer. Payment of the insurance premium occurs in a secure mode, as a result of which fraudsters will not be able to steal your card details.

• Honesty. You yourself do the calculation of the insurance premium through the calculator on the official website. Based on the results of the calculation, the final premium and a report will appear, which coefficients were used in the formation of the price.
• KBM. When calculating the insurance premium, the bonus-malus coefficient, which is requested from the PCA database, is always taken into account. This is an indicator by which you can reduce the cost of the contract, in the absence of accidents. In simple words, this is a discount on the OSAGO policy.

• Reliability. Each victim in an accident is guaranteed to receive a compensation payment.
• Providing a duplicate . In case of loss of the policy, you can always print a duplicate through the client's personal account completely free of charge, in a matter of minutes.

• No imposed insurance . AlfaStrakhovanie does not impose additional services, such as life or apartment insurance. Each client can buy only OSAGO.
• Independent choice of conditions . The client himself decides on what conditions to buy protection. If necessary, it is possible to draw up a contract for 3 months and later extend the period by making an additional payment.

"AlfaStrakhovanie" - "Extended OSAGO" program

As it was noted, fixed limits on payment are established under the OSAGO agreement. If as a result of an accident the amount of damage exceeds the established payment limits, then the culprit has to compensate for the difference on his own.

AlfaStrakhovanie offers additional protection, with which you can increase the limit on OSAGO. This product is called "Extended OSAGO".

Two programs are available, within which the limit is increased by:

• 1,000,000 rubles;
• 1,500,000 rubles.

You can purchase protection only when applying for CASCO, provided that OSAGO for the same car was purchased from AlfaStrakhovanie.

"AlfaStrakhovanie" - Questions and Answers on OSAGO: FAQ

When applying for an autocitizenship via the Internet, each driver has many questions. Let's consider the main ones.

• Where can I get answers to popular questions?

You can always ask questions of interest on our portal, through the feedback form or on the website of the insurer.

You can buy a compulsory insurance policy for a new period only 60 days before the expiration of the previously issued one. To extend it, you should visit the client's personal account and order insurance. You do not need to enter information, since you are already a client of the insurance organization.

What to do if a traffic police officer asks for a contract that is not on hand?

According to the law, an employee is obliged to check the availability of a policy through a special portal of the IMTS of the Ministry of Internal Affairs of the Russian Federation or using the PCA database. If the system shows the presence of a form, then according to Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation, the traffic police officer does not have the right to issue a fine. To avoid misunderstandings on the road, it is better to print out the contract form or save a photo in your mobile phone.

"AlfaStrakhovanie" - OMTPL insured event, what to do?

Accidents are always stressful for a motorist. The main thing in such a situation is to get together and correctly fix the insured event.

What to do in the event of an accident:

• The first step is to stop and turn on the emergency stop sign.
• In accordance with the rules of traffic rules, put up an emergency sign.
• If necessary, call an ambulance if it turns out that there are victims.
• Call a traffic police officer to officially declare the occurrence of an accident. To save time, you can use the services of an emergency commissioner.
• Visit the AlfaStrakhovanie office and write an application for compensation.
• Submit documents.
• Show the car to an authorized employee for inspection.
• After 20 days, receive a payment to the card.

Important! If earlier it was not necessary to show the car, now the insurer can refuse to pay out legally if the requirement is violated.

Within the framework of the rules, you can fix the insured event yourself, by filling out the Europrotocol. This is possible if:

• no casualties;
• the amount of damage does not exceed 100,000 rubles;
• only 2 are involved in the accident Vehicle a;
• participants in the movement agreed who is right and wrong.

In this case, in addition to the European protocol, you need to photograph the accident site so that both vehicles are visible, taking into account the damage. To receive compensation, you should visit the AlfaStrakhovanie loss settlement department within 5 days and write an application.

Important! If you apply according to the European protocol after 5 days, you will not be able to receive a payment. In such a situation, the victim will have to independently compensate for the damage.

But now it was necessary to make changes to it - add a driver, change the registration sign of the car, rewrite the owner. What to do, where to go? We understand in this article.

What the law says

Clause 1.10 of the Rules for Compulsory Civil Liability Insurance of Vehicle Owners states the following:

“... Changes to an insurance policy drawn up in the form of an electronic document in the manner prescribed by these Rules may be made electronically or by reissuing a compulsory insurance policy on paper. In the latter case, the policyholder is issued a reissued (new) compulsory insurance policy on paper.

That is, in fact, the law does not prohibit insurance companies from making changes to the electronic OSAGO policy in electronic form. In practice, companies do not use this opportunity. And they demand to come to the nearest sales office to issue a new policy in paper form.

The law allows 💚 to change the policy electronically

E-OSAGO. But companies don't do that.

But before looking for the office of your company on the map and going there, we recommend calling the insurer's call center and clarifying this issue. Suddenly, something has changed with them, and you can turn the procedure through the site.

That is why it is still more convenient to issue an electronic OSAGO in large insurance companies with an extensive network of branches and representative offices. So, in order to make changes to the electronic OSAGO policy of Rosgosstrakh, it will be available to you in Russia. But to change the electronic policy, RESO provides a little more than 600 offices across the country.

How to add a driver

If you need to add a new driver to the list of persons admitted to driving under the E-OSAGO policy or remove the old one from there, you will need to write an application to insurance company.

Important! If the experience and age of the new driver is less than those whom you have already entered into the policy, then you may have to pay a premium.

You will definitely have to pay extra if you change specific drivers in the policy to an unlimited list.

The surcharge is calculated for the remaining term of the OSAGO policy.

Brief instruction:

• take a copy of the driver's license of the new driver,

How to enter a new car number

If you have re-registered the car with the traffic police and received a new registration plate, arm yourself with a copy of the registration certificate and go to the office of the insurance company. It is not necessary to do this on a car, no one will watch it anyway.

There you will need to write an application for changing the state number in the policy and attach a supporting document - a certificate of registration.

An application form will be provided to you at the office of the insurance company.

You will not have to pay anything extra for changing the state sign of a car.

Brief instruction:

• take an updated certificate of registration,
• write an application to the insurance company,
• receive a reissued OSAGO policy in paper form.

How to change the owner

If the owner of your car has changed - it was re-registered as a wife, gifted to your mother-in-law, and the like, before visiting the insurance company, do not forget to take your vehicle registration certificate with you - a technical equipment passport.

It is the Title, and not the certificate of registration, that is the document that confirms the ownership of the car.

At the office, you will write the application again. An application template will be provided to you.

Important! The cost of the OSAGO policy is calculated based on the place of residence of the owner of the car - article 9 of the law on OSAGO No. 40-FZ. Therefore, it is possible that the new owner will have to pay an additional insurance premium under the policy. For example, if the former owner lived in the Ryazan region - there the territory coefficient is 0.9, and the new owner lives in Moscow - here Km = 2.0.

Brief instruction:

• take the vehicle passport,
• take the passport of the new owner of the car,
• write an application to the insurance company,
• pay an insurance premium (possibly),
• receive a reissued OSAGO policy in paper form.

It is not uncommon for a driver's data to change during the validity of an insurance contract. This may be the number of the VU, TCP, etc. In the article, we will analyze when and how it is necessary to make changes to the OSAGO and what threatens lack of initiative in this matter.

When do I need to make changes to OSAGO

According to Art. 15 Part 8 No. 40-FZ, the insured must notify the IC in writing of a change in the data specified in the application when concluding the contract. Thus, it is necessary to inform the company that issued the policy in the following cases:

• change of full name, passport data of the insurance holder;
• changing of the living place;
• registration of a new TCP;
• replacement of registration plates;
• when changing rights;
• transfer of ownership to another person;
• expansion of the list of drivers admitted to driving;
• use of the car outside the period specified in the policy;
• when changing the purpose of using the vehicle.

You cannot change the following data specified in OSAGO:

• brand/model of the car;
• the insured;
• contract time.

If you change any of the data indicated in the last list, you will need to terminate the current contract and take out new insurance.

What happens if you don't make changes

Provisions No. 40-FZ, in particular Art. 15 hours 8 oblige the insured to promptly inform the UK about all changes in order to amend the OSAGO policy. At the same time, the legislation does not imply any punishment for failure to comply with this requirement.

In addition, the existing regulatory legal acts and provisions on OSAGO do not consider failure to make changes to the “autocitizen” as a reason for refusing payments or a basis for recourse.

The only trouble that can await a driver who has not informed the insurer about the changes is a meeting with a traffic police inspector. When checking the policy, he will reveal a discrepancy between the data specified in the OSAGO and the information indicated in other documents.

These discrepancies can cause a traffic inspector to question the validity of the insurance. On these grounds, he has the right to impose a fine on the motorist under Art. 12.37 h. 2 of the Code of Administrative Offenses of the Russian Federation for driving a vehicle without issuing an OSAGO policy. The recovery is unlawful, it can be challenged in court, but this will take time and effort.

How to make changes to the policy

All amendments are made by an employee of the insurance company that issued the policy, on the basis of a written application from the OSAGO holder or his representative (you will need to issue a notarized power of attorney in his name). To make changes, it is not necessary to contact the branch where the contract was concluded. You can visit any office of the company.

To make changes to OSAGO, you must perform a number of actions:

• prepare the necessary documents;
• contact the office of the insurer and write a statement;
• wait for the SC's decision.

Often, drivers ask themselves the question: how much does it cost to correct the data in the "autocitizen". Adjustments are made free of charge, if these changes do not entail an increase in the insurance premium.

The company has 3 working days from the receipt of the application to complete the procedure. In practice, amendments are made on the day the driver applies.

Required documents

To change the data in the policy, you must provide the following documentation package to the UK:

• policyholder's passport;
• copy and original of the power of attorney (if necessary);
• original OSAGO policy;
• an application for amendment;
• a document confirming the need to adjust the "autocitizen".

Expansion of the list of drivers admitted to driving

One of the most common reasons for changing data in OSAGO is the need to add a new driver to the policy. Such adjustments, in most cases, require an additional fee. To make such changes, a passport and the rights of a citizen included in the insurance should be attached to the designated list of documents.

Extension of the period of use

If, at the conclusion of the contract, the policyholder indicated the period of use of the vehicle is less than the validity period of the policy, and then decided to increase it, this change will need to be indicated in the form.

Based on clause 1.9 of the OSAGO Rules, this must be done before the end of the period specified in the policy.

Driver's license replacement

If the driver has changed his rights, then he also needs to inform the insurer about this, since this information is reflected in the OSAGO policy. In addition to the designated list of documents, you will need to attach a new VU.

On the reverse side of the new rights, the number of the old ones is usually indicated. If the driver does not have time to make these changes to the insurance in time, then there should be no problems when meeting with the traffic police officer.

To conclude a new contract, an honest insurer refers to the PCA database, indicating the number of the former VU. In this case, the driver is identified in the system with the preservation of his history and the value of the MSC.

Changing of the living place

When changing the place of registration, you must provide the IC employee with a document confirming the change (usually a passport). Such amendments may entail a change in the size of the insurance premium, both up and down.

New PTS

Upon receipt of a new technical equipment passport, it is necessary to inform the insurer about the change that has taken place. PTS data is entered into OSAGO. You will need to attach a new registration certificate to the documents.

Replacing a car number

Obtaining new license plates is also the reason for changing the data in OSAGO. To do this, you will additionally need to present the STS. The procedure is free.

Change of car ownership

Change the owner of the vehicle in current policy OSAGO is possible, but the former owner will remain in the column "insurant". To make such amendments, you will need to provide a sales contract and a passport of the new owner.

The change of the owner of the vehicle is also the basis for early termination of the insurance contract and the return of the unused part of the premium. In this case, the new owner will have to issue an OSAGO policy.

How to make changes to e-insurance

In 2019, drivers have the opportunity to purchase "autocitizenship" online. This does not require visiting the office of the insurer. If it is necessary to make changes to the electronic OSAGO policy, it will not be possible to avoid a visit to the UK.

The point is that, according to Art. 15 h. 8 No. 40-FZ, an application for changing data must be submitted in writing. At the moment, the legislator does not distinguish between the classic "autocitizen" and e-OSAGO.

If during the validity of the insurance contract any data specified in the application changes, you will need to inform the IC employees about this. The agent will make adjustments to OSAGO and issue a new form to the driver. This procedure does not take much time and does not require the collection of a large package of documents.