How to make changes to the data of the current MTPL policy?

Cases of adjustment

How to change data?

What can be changed?

New OSAGO policy

Today, every law-abiding driver, when stopped by a traffic police officer on the road, can present him with a contract. At the same time, not everyone can ensure its availability with the information that corresponds to reality (name or characteristics in the PTS, STS). In this article we will look at the question of how to adjust your insurance data, whether this can be done online or only in person.

In what cases is correction required and what data can change?

Accordingly, paragraph 8 of Art. 15 of the Federal Law “On Compulsory Motor Liability Insurance”, the driver must know that during the period of validity of the contract, if something new appears, the insurer must be notified about it. This requirement is also in the Company Rules. This rule concerns the information that is written on the form itself and that is provided by clients when concluding an agreement:

• passports;
• driver's license;
• PTS, STS, including when re-issuing papers to another driver.

If the registration was carried out remotely, via the Internet, the policyholder will not be able to make changes regarding:

• the policyholder;
• vehicle;
• duration of the contract.

In the above cases, you must first formalize the termination of the old contract, and then draw up a new option.

Help from specialists

Don’t know where to quickly and profitably apply for compulsory motor liability insurance when changing the owner of a vehicle? Contact us! We will advise and answer all your questions, help you correctly prepare the documents necessary for insurance, and also re-register your car with the Moscow State Traffic Safety Inspectorate in a short time. We provide services to individuals and legal entities, we carry out registration actions within 30 minutes by appointment. We guarantee a quick and positive result, no fines and compliance with laws. To consult and make an appointment, call the number.

How to make changes to the data in the MTPL policy?

The principle of introducing new parameters is extremely simple. To help policyholders, company consultants work who can provide free advice and guidance on what to do in various cases. You can also find out from them whether a particular company has the opportunity to complete the procedure through the official website or how to change the data in the electronic OSAGO policy.

You need to do the following:

1. To write an application . The form is issued by a company specialist. He can also advise on the correct filling.
2. Provide a package of documents . In addition to the passport and the insurance form itself, you need paper confirming the validity of the application. It should reflect the edits, according to which adjustments should be made. If you have submitted an electronic version, you must have a printed version with your personal signature.
3. Provide the car for inspection . This requirement is enshrined in law, but in fact it is not always required.
4. Receive a corrected form or a new one . In the first case, the updated information is displayed on the reverse side in the special conditions column indicating the position of the employee who made the changes, his full name, signature, date and time. In the second case, the number of the originally concluded agreement is written in the special notes column.

After the insurance is issued, the company makes changes to the MTPL policy with recording in its database, as well as in the RSA database.

To change your MTPL policy, you do not need to pay if the changes made do not affect the insurance payment. If the degree of risk increases or decreases (a driver is added or removed, the length of service changes), an additional payment may be required or, conversely, a payment in favor of the client.

What to do when selling under a general power of attorney

This method of selling a car cannot be called popular. In fact, the car will still be registered with the seller, and the transport tax will be charged to him. Not all buyers are willing to put up with this fact, because the car will still be the property of the previous owner.

However, such sales are still taking place. Most often, they are directly related to the certified agreements of the parties. Since the car itself remains the property of the previous owner, there is no need to re-register it. The new owner must be included in the list of people who are allowed to drive the car.

The transfer of fulfillment of obligations under the insurance contract no longer takes place here, because you continue to own the vehicle. However, registering a new driver who has the right to use the car is a paid service. After contacting the insurance company, they will be able to tell you exactly what the additional payment for such an operation will be.

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Types of adjustments

What is the procedure for changing your last name?

When changing the last name in the policy, the procedure is similar to that described above, and it is important to do this, since the data must be recorded not only with the insurer, but also with the RSA. At the same time, all others must be already replaced: passport, driver’s license, vehicle documents. In addition, a certificate of change of surname, marriage certificate or other document on the basis of which the new surname is recorded is presented.

How to make changes to the electronic OSAGO policy?

If a particular company allows the policyholder to apply online, as a rule, the client must make a request through his personal account. Therefore, in this case you should be registered. Having already entered the “Personal Account”, you need to go to the section with the list of insurances and make the necessary adjustments by selecting the one you need from the proposed list. If the required option is not available, you should contact the Investigative Committee in person. In other cases, consulting a specialist will help.

Important! In accordance with the fifteenth article 8 of Federal Law No. 40, the application must be submitted in writing. You need to find out in a specific case from a representative of your insurance company how to adjust the data in the electronic MTPL policy and whether the insurer has such an opportunity.

Is it possible to apply by proxy, and in what cases is this required?

If you need to redo your MTPL policy with the help of another person, a power of attorney is drawn up. Whether it should be notarized or not is determined by the specific insurer. This document is submitted along with others, the list of which is given above, as well as the personal passport of the authorized person. If original documents are not provided, certified copies must be provided.

If, according to available information, the owner of the vehicle is not the policyholder, then he will not be able to make the adjustment without a power of attorney. A legal entity is required to provide a power of attorney or an order for the right to sign documents by an authorized person.

How long does it take for the insurance company to update data?

Changes to electronic insurance are made quickly. If no adjustments are required in the form, and an application was made through the website, then the policyholder is only sent a notification about the registration of new information. If the information on the form changes or an additional payment is required, then within 2 business days or a paper version will be issued. Amendments to the application for changes to the MTPL policy are also entered into the unified RSA database. 1 working week is allotted for this .

If the necessary data was not corrected on time, what threatens the policyholder?

There are no fines or penalties for not amending the auto liability agreement. At the same time, there are facts of loss of the accident-free driving discount. It should also be borne in mind that when checking documents by a traffic police inspector, he must be able to determine the compliance of the documents with the person presenting them. If the document is found invalid, a fine may be issued. Some companies may refuse payment due to the fact that the mentioned adjustment was not made and the information in their database is incorrect. From the above it follows that knowing how to make changes to an electronic policy or a paper copy of a document does not require studying a large amount of literature. A minimum set of papers is sufficient for circulation. Therefore, you should not neglect the need to make adjustments.

If you still have questions, send a request and we will advise you

Where should I contact?

After the necessary papers have been prepared, the citizen should personally appear at the central office (or any branch) of the insurer that issued him the MTPL. The main rule should be remembered: when the owner and insured change, it is required that both the new and old owners of the car be present during the procedure.

By analogy, the algorithm for adding a new owner to the policy is carried out: this practice applies in cases where a vehicle, with compulsory insurance issued for it, is transferred for further operation to another person on the basis of a general power of attorney. Therefore, if it is not possible to be present during the signing of the papers, it is worth sending an assistant to the transaction with the appropriate notarized power of attorney and continue to control the process remotely. It will not be possible to perform this action remotely via the Internet.

Recalculation of insurance premium

Despite the fact that the car remains the same, the cost of the policy will be recalculated by the insurer based on the buyer's data. As a result, it may be either higher or lower than the original one. But you shouldn't hope for a refund. In case of re-registration, the calculation is usually made only upward. In this case, the new price will depend on the value of the coefficients determined based on the buyer’s indicators:

• age;
• length of service;
• driving quality, characterized by the bonus-malus coefficient;
• region of permanent registration.

In addition, the buyer’s desire to include third parties in the insurance who have received the right to drive the car will also affect the cost.

In this case, the calculation will be adjusted taking into account the performance of the youngest, inexperienced or careless driver included in the document.

If the cost of the policy turns out to be higher than the original one, the buyer will need to pay an additional amount specified by the manager through the company's cash desk.

Termination of an agreement

Another common way to resolve the problem of unused insurance is to terminate the contract. In this case, the seller will receive financial compensation from the insurer for the entire unused period of its validity.

However, you need to be prepared for the fact that the amount will be less than what was paid. RSA and the insurance company will take their share.

The amount of refunded funds can be calculated using the formula:

St = Sp * K / 365 – 23%,

Where:

• St – refund amount;
• Sp – policy cost;
• K – number of unused days.

If, after selling the car, the seller decides to return the money for unused insurance, he should contact the company’s office as soon as possible with a corresponding application, since it is from the date of the application that the refundable part of the insurance premium will be calculated.

Is it possible to change the owner?

Renewal is possible provided that the owner of the car insurance contract agrees to the use of all his rights by the future owner of the car. Before contacting your insurance company, a legal agreement is concluded between the parties; it consists of compensation for the time period when the former owner of the car will not use the current policy.

The legality of this requirement is confirmed by Art. 960 of the Civil Code of the Russian Federation, which states that when the right of ownership of a vehicle is transferred to the person for whom the MTPL agreement is drawn up, all obligations are assumed by the buyer. Using this registration method, it is necessary to notify the insurance company of the change in the actual owner. If necessary, a claim for the return of lost funds is indicated in the purchase and sale agreement.

Important! The exact cost of compensation can be easily calculated by dividing the total amount by the number of days of the insurance period and multiplying by the number of days used. The amount of the payment must be confirmed by a lawyer.

If the buyer refuses to use the current policy, he will not have to pay compensation ; accordingly, the re-registration procedure will not take place, and the parties will be forced to look for another method of insurance.

When it's possible?

The most common cases of changing the owner of the policy are situations when the car is used by members of the same family. Then changes are made about the owner of the vehicle, but the policyholder remains the same. For example, if the policyholder is the son, the owner is the father, and during the divorce proceedings the vehicle was given to the mother, then when the owner changes, the policyholder will remain the same (in fact, he is the main owner).

Transactions between strangers include re-registration for the purpose of returning funds invested in insurance . If we compare it with the procedure for early termination under compulsory motor liability insurance, in the second case the insurance company returns only part of the amount for unused time. All information about the policyholder and the owner is completely changed, especially if the policy was recently purchased.

The buyer compensates for the time of use that the seller gave him. The new owner should remember that as a result of recalculation of the insurance policy, he may have to pay an additional amount if his OSAGO coefficients differ from those of the previous owner.