How to add another driver to the insurance? The solution of this issue should not be a problem for the insured. 
You just need to contact the office of the company that issued the insurance policy.
How to enter in the insurance of the second driver: instructions
- The policyholder needs to take a CTP policy on the car, which will drive a new driver. The owner of the vehicle, if he is not the insured, has the right to neither enter drivers into the insurance nor write out.
- Arrive at the nearby office of the insurance company that issued the CTP policy on the vehicle where the driver will be entered.
- The policyholder can bring a new driver with him (some insurance companies require this) or come only with his rights (certificate of the right to drive a car).
- The policyholder, in addition to the policy where he is indicated as the policyholder, is required to have with him a civil passport (required) and documents for the car (they can ask at the office).
- To defer the queue for re-issuance of the policy (since August 2015 the driver has not been entered manually) and get new insurance with a different number and from a different number.
After these actions, having on hand a new insurance, the second driver can legally drive the vehicle. When deciding how to add another driver to the insurance, the policyholder must understand that the renewed policy does not start a new insurance period. When re-issuing an insurance policy, the contract is valid within the calendar period of the initial insurance.
Do I need to enter the second driver in the insurance
Such a question often enough arises when applying for a policy to the policyholder and the car owner. Do I need to enter a wife, son, daughter, if they all have their own cars?
What if there is a situation when something gets sick at the driver’s trip? Who will replace urgently?
In any case, the second (third, fourth, fifth, etc.) inscribed in the insurance gives the driver complete freedom of movement. No need to wait for the pain to pass, just another driver who has every right to do so begins to drive the car.
To include relatives in the insurance, it is enough to provide a copy of their rights, if they themselves did not come to conclude a CTP insurance agreement. Most often, originals of rights are provided in the insurance for subsequent photocopying.
In fairness, it should be noted that such a situation is often used by owners of heavy trucks or special vehicles (dump trucks, manipulators, passenger buses). Finding a permanent brigade for such a car is difficult, so policyholders come almost every month (sometimes more often) to either enter the driver without experience in the insurance, or enter the data of an experienced person, and not one.
Additional driver in the insurance policy: issue price
How much does Rosgosstrakh cost to add to the driver insurance additionally? As much as in other companies - this is due to the legislation of the Russian Federation.
- If the experience and failure of the second driver coincide with the main one, the price of the policy does not increase in any insurance, as in Rosgosstrakh.
- It will be necessary to enter into the driver insurance with an experience with surcharge when the indicators differ, for example, the second experience has less or high accident rate.
- If the experience is longer and the accident rate is lower, the cost of insurance will not change, you will not have to pay extra.
No experience: what to do when applying for an insurance policy
Whether an inexperienced driver who has just obtained the rights will be able to learn how to drive a car depends not only on him, but also on allowing him to drive. How to add another driver to the insurance, is it worth it if it is still a completely green “kettle”? How much is it? Isn’t it better to leave the insurance open (without limitation of the driver’s staff), maybe it's easier?
In fact, situations where you need to decide how to add another driver to the insurance when he has no experience at all can be divided by similarity.
Situation One: A Wife or Husband Recently Got Rights
Very often, a husband, an experienced driver with a long trouble-free experience (more often a spouse than a spouse), does not enter his wife in insurance, motivating it like this: “Let three years pass, then I will enter the insurance, it will not be so expensive. Now let him practice on the primer. ” You can understand him - he is entitled to a big discount, sometimes reaching up to fifty percent (more than ten years of accident-free experience). It will not be taken into account if the driver is entered without experience, and even the increasing coefficient for the inexperience of the driver will be valid.
This situation is fraught with the fact that the experience of the wife, “teapot” in three years will not increase. Driving a car in an urban environment is very difficult and dangerous. And how to learn if you are not even allowed to drive for a short time?
Situation Two: Son or Daughter Got Rights, Parents Give Car
There are a lot of parents who give a car (albeit not a completely new one) to their child. Usually, in this case, the parents come with their over-age child to the nearest insurance or Rosgosstrakh to include the driver without experience (their son or daughter) in the insurance.
The responsibility for all accidents immediately rests with the inexperienced driver, but the parents are calm: "Let him be responsible for everything." In this case, the cost of insurance is quite high, but the driver immediately has insurance experience. In three years, he will already receive a 15% discount, and the increasing coefficient for inexperience will be automatically removed.
Situation three: several family members get rights - the policyholder prefers not to include anyone in the insurance
Most often, this option is possible when the car is expensive (and not one in the family), the owner is registered in the city (there is no reduction coefficient for registration), and the children and the spouse do not have three years of experience. Or in the family it is known that one son soon gets the rights of another, after him - someone else.
Then parents prefer to issue a policy without limiting the list of drivers. At the wheel of a car can be any person who has rights. All family members can drive, none of them will be concerned about the restriction of driving rights in this car.
MTPL policy without limiting the list of drivers: pros and cons, cost
Pros: less fuss for consultants in insurance. There are often situations when the policyholder does not even know the consequences: “They suggested it, but I didn’t care, and no one advised, as expected,”.
Minuses:
- The first - the driver’s and accident-free experience does not go if the motorist is not included in the policy. This means that there is no right to a discount (KBM - Bonus Malus coefficient). The RSA website (Russian Union of Auto Insurers) does not find driver information by license number. Although, if an accident occurred, then an increasing coefficient is provided.
- The second - drivers with seniority on a discount (KBM) are no longer eligible if they are not included in any other OSAGO policies. In this situation, their insurance driving experience is not just interrupted, it is canceled permanently. Today, the website of the RSA (Russian Union of Auto Insurers) works this way, that is, this is the agreement of the insurance companies that make up this union.
The price of the policy without limiting the list of drivers is decent, usually an extra eight thousand to ten - when the car is registered (the place of registration of the owner) in a city with a large number of cars.But maybe a little less - five or six thousand, if the owner of the car is registered in the countryside.
