How much does it cost to inscribe in the driver's insurance without experience. How much does it cost to inscribe a person for insurance?

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

List of documents

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

1. A valid MTPL policy.
2. Passport and driver's license rights, which need to be added to the insurance.
3. If the owner can not be present at the time of the procedure for changing the policy, he must prepare a general power of attorney.
4. Application to the insurance company to make changes.

The last item is an optional condition. You can fill out the application at the office of the insurance company. For sure, and do not have to, because the employee himself will prepare a form, will only have to sign. But it is permissible and to write the application in advance in a free form, only first ask the insurer what mandatory formulations should be included in the document.

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

How is the procedure performed

Everything takes about a maximum of fifteen minutes, not counting the queue and the road to the office. Some companies organize the departure of the insurer's representative to the house or to another place convenient for the client.

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 But usually the old form is withdrawn from the car owner and they give him a new one in exchange - with all the changes.

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

Why does the price of a policy change?

The procedure itself does not cost anything, but the cost of the policy itself can change if the risk of an accident increases. For example, a new participant may have a smaller age and driving experience than the car owner. The cost of the policy is determined by the class of OSAGO most risky driver, so the manager of the insurance company has the right to ask for a refund of the discount for accident-free driving, which was previously given to the car owner.

Be sure to save the receipt for additional payment! It may be needed if a new participant falls into an accident.

If the "new" is over 25 years old, has more than three years of experience in driving, has already concluded contracts with OSAGO, then it is possible that you will not have to pay extra. How much does it cost to enter into a newcomer's insurance - will have to be specified in the insurance company, as it is difficult to calculate independently. The results of independent counting, most likely, will differ from the real ones. Nevertheless, we can consider an example of calculation, so that it becomes clearer how the new value is formed.

Example calculation

For example, you are twenty five years old, you have successfully (without accidents) drive for five years. That is, you have the 8th grade of OSAGO, which corresponds to the bonus-malus ratio (KBM) of 0.8, therefore, a 20% discount. The age / length ratio (SWR) is 1.

You want to add to the insurance of an eighteen-year-old relative, who recently received the rights. We will find out how much it costs to inscribe in the driver's insurance without experience.

The VSWR of the new driver is 1.8, and the MBM is 1 (the standard 3rd class assigned to all drivers who for the first time make out OSAGO).

Let's assume that without taking into account SWR and MSC the price of the policy is 7000 rubles. So, after applying your coefficients, you paid: 7000 * 0.8 * 1 = 5600 rubles.

If several people are listed in the insurance, the cost is calculated by the worst coefficients. That is, the new price in your case will be determined by the coefficients of the new participant: 7000 * 1 * 1.8 = 12600 rub.

The difference is 7000 rubles. But it needs to be adjusted for the period for which you plan to enter a new driver. If the policy is left half a year before the end of the policy, then it will not be necessary to pay 7000, but 3500 rubles.

How many people can be entered in the policy

So, in how much it costs to fit into the insurance of a new person, they sorted it out a bit. Now we learn how many drivers can be allowed to operate the machine within the same insurance.

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

Regardless of the number of persons you wish to admit to the steering wheel of your car, the insurer does not have the right to demand that you formulate the 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 the Hull

Of course, you can. How much does it cost to add a new person to CASCO's insurance, it's more difficult to say, rather 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 and the parameters of the new participant.

If you purchased CASCO for any shares, then your discounts after adding a new driver are likely to burn. Or maybe, on the contrary, your company provides benefits when entering a newcomer.

What can not be done?

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

For example, it is not allowed to record on your own. This can be regarded as a forgery of documents. In addition, in this case, the driver will refund the damage from an accident in his pocket.

By the way, if you are the owner of the car, make sure that your name is also on the list. Sometimes a person who owns a vehicle does not contribute to the policy, arguing that this measure is a mere formality. But only its neglect is threatened by the fact that the car owner will have to pay the damage himself in the event of an accident, despite the existence of a policy.

If you allow a person to manage your transport without making changes to the policy, it is threatened with a fine.

Now you know how much it costs to add to the insurance of a new driver, how to do it, what can happen if you ignore this requirement. Make the documents correctly and be careful on the roads!