Every event in the life of modern manaccompanied by the design of certain documents. It’s good that paper options are gradually becoming a thing of the past - this saves the wearer from the eternal fear of losing the necessary paper. Electronic documents are more convenient, but making changes to them involves considerable difficulties.
One such problem may create a needenter into the electronic policy CTP new driver. How to make changes and what needs to be done for this is described in this article.
Registration of the electronic policy of the CMTPL online onDignity appreciated by drivers all over the country. Innovation was especially liked by the residents of problematic areas of Russia, where insurance companies simply refused to issue compulsory insurance policies, talking about the unprofitability of this type of protection.
The work of the "Single Agent" is largely simplified lifedrivers. But after the first enthusiasm, standard questions began to arise about the use of the policy, its prolongation or change. In particular, one of the most popular questions on the Web: how to enter a new driver into the electronic policy of CTP. Let's try to solve this problem.
The success of electronic policies clearly confirmsCurrent statistics: more than 300 thousand people are already using the non-paper version of CTP. Nevertheless, many old-fashioned drivers prefer to always have a paper policy with them. This is especially true for middle-aged and elderly people. Mostly young drivers prefer to issue an electronic CTP insurance policy online. And for good reason, because the benefits of e-insurance certificate are quite convincing.
If you are not impressed by the computer version of the autocitizen, and you are used to using policies on standard forms - do not worry. Paper OSAGO no one is going to cancel
It is believed that the electronic policy ismore expensive than paper. This is not so: the system of bonuses and discounts acts on every car owner equally, regardless of whether he draws up a policy: paper or electronic. In any case, on the website of each insurer there is an online calculator to calculate the value of CTP. You will pay exactly the same amount as the figures obtained as a result of calculations. There you can also get additional information, for example, on whether a new driver can be entered into the CTP insurance policy or make other changes to the insurance.
Важно знать, что, оформляя электронную страховку, should accurately and accurately indicate the personal data. The truthfulness of the information will serve as a pledge that you will not be denied insurance, and that subsequently there will be no question how to make changes to the E-insurance policy. The insurance company should be notified in the following cases:
Remember that the insurance company has the full right not to enter into a civil liability insurance contract with you if you entered incorrect data when making out.
Some car owners preferindependently answer the question of how to enter the driver into the electronic OSAGO policy. They simply add the required name to the document, and then print it. But such insurance will be considered invalid, and the owner may be held accountable. In addition, if you get into an accident, the culprit expected major financial losses. Do not try to enter the driver into the OSAGO electronic policy of Rosgosstrakh or another insurer yourself, but do it according to the rules.
Unfortunately, it often happens that whenin the insurance in your account there are inaccuracies. Then the question arises how to make changes to the CTP policy. Currently, the automatic correction of inaccuracies is not intended by law. All changes must be made by an employee of the insurance company. If you have wondered how to inscribe a driver in the CTP insurance policy, you will have to go to the nearest office of the insurer for the answer.
To change the data you should personally writecorresponding statement. The application for personal data change is processed manually, then the data will be entered into the electronic office of the policy holder. The authenticity of the changed data account holder can check on their own.
One of the popular questions on the web is howenter the driver in the insurance policy OSAGO. VSK, Rosgosstrakh and other insurance organizations offer a standard algorithm to replenish the list of drivers who have the right to be behind the wheel of the insured car. For the most part this applies to car owners who have purchased insurance online.
The problem is this:let's say you first drove the machine alone. Then they decided to include in the list of users a wife, eldest son or friend. To expand the list of drivers who are allowed to drive a car, you should contact the insurance company. With you must take:
At the office, the employee will print you a statementwhich must be filled out manually and signed. After making changes, both you and another person entered into the policy can safely drive a car. In total, the policy can make no more than five people.
Insurance companies enter a new face fora separate fee. Therefore, the question of how much it costs to enter a driver into an electronic CTP policy is very relevant. As a rule, the total cost of the changes depends on the following factors:
The total amount is calculated by the formula:
Cost = new price of the policy (taking into account the remaining period of insurance) - the initial cost of the policy × the remaining period of insurance.
In the calculation of the total amount involved the maximumcoefficients that are available in the database on drivers entered. When the attorney of KBM and FAC is higher than that of the policyholder, you will have to pay the specified amount. If these parameters are lower, the surcharge will not be charged. As a result, if you want to reduce the cost of compulsory motor TPL insurance for your car to the maximum, drivers with a long experience of trouble-free driving should enter the policy.
Take a practical example of how to enter a driver into an electronic CTP insurance policy. If you are going to add a novice to the document, its coefficients will be:
But you yourself, for example, have a successfuldriving experience and your KBM is 0.5. For simplicity, we take the base price of the autocitizen policy in the amount of 3 thousand rubles. If half a year has passed since the registration of the CTP policy, you should pay extra according to the above formula. In our example, it will look like this:
Surcharge = (cost of a new policy with a novice driver minus the initial cost of the policy) × 0.5
Как можно видеть, итоговая цена страховки calculated on the basis of the total trouble-free driving experience. Thus, if a driver equal to your experience fits into the policy, you do not need to pay extra.
But if you initially intend to reduce the cost of the policy, enter into it the driver with impeccable driving experience. Then you can save on OSAGO about 15% of the starting amount.
In order to find out how much it costs to enterThe new driver in insurance CTP, you can use the online calculator, which is available on the website of every Russian insurance company. The data from the unified register of insurance associations help to quickly and accurately determine the necessary coefficients, and thus determine the total amount to be paid.
