How to change the data in the CTP Alfa Insurance policy. Everything about how to make changes to the electronic CTP policy: step by step instructions

Changes to the electronic OSAGO policy are made by going to the Personal Account on the page of the insurance company where it was issued. If the Internet resource of the insurance company has special restrictions, then it is possible to make changes to the electronic policy only at the office of one of the company's branches. This will have to be done if, for example, you use the services of SOGAZ.

The basis for the amendments is a statement in which the clients prescribe all the desired adjustments regarding the already concluded contract. If the application is submitted through direct communication in the office, it must be in paper form, and if the application is submitted using the Personal Account on the website, an electronic application is submitted. Only such a person who is the insured is authorized to perform this operation, respectively, he is indicated in the compulsory OSAGO insurance policy in the first paragraph.

How to make changes to the electronic OSAGO policy

When the insurance company receives the relevant application, the company registers it directly on the day of contact or on one of two working days. They make a record of your requirements in the so-called "Special marks" of the insurance, and also prescribe the date and time of the changes. This procedure is confirmed by the signature of an authorized employee and the seal of the insurance company. After that, the electronic policy of the new sample is reissued.

In order for the changes in the insurance policy to take effect, insurers must enter all the information on the updated electronic OSAGO into the database of the Russian Union of Auto Insurers.

So, after contacting insurance company with a statement, the reissued OSAGO policy is immediately provided to a single database. V mandatory a new electronic policy must be certified, that is, a signature with a seal must be affixed. Insurance companies such as Rosgosstrakh, RESO-garantia, Renaissance, AlfaStrakhovanie and many others do not limit the number of people who can be entered into e-OSAGO. This is due to the ability to purchase an electronic insurance policy, in which there is no certain limit of persons entered in the document. In practice, such a document is most in demand among Russians, whose driving experience is not long enough.

If the list of persons in insurance that the policyholder (client) wants to allow to drive a car is expanding, then it is imperative to notify the "insurance" before the persons who are not listed in the document are allowed to drive. It is very important to understand that even if the policyholder is sitting in the passenger seat, then a person who is not registered in the OSAGO still does not have the right to drive. Naturally, this does not apply in cases where the policyholder has "unlimited insurance". If the changes relate to the period of use vehicle then the client should inform the insurance company about the adjustment before the term of this use ends. This is done in order not to issue new policy and renew your e-insurance.

If an e-OSAGO purchase is made, but the car has no license plates, then you need to pay attention to the second field of the policy. It is left blank. It is responsible for the registration mark. But this is done only in cases where the registration of the car is in the process, because this field will still need to be filled in within the next three working days. The insurance agent will fill in this column after you notify him of the meaning of the license plate.

How to add a driver to e-OSAGO

To do this, you will need to bring the following documents with you to the office of the insurance company:

• a statement according to which the tax agent will make the necessary changes and enter them into the database;
• an identity document (passport) of the person you are going to enter into your policy;
• his driver's license to transfer information to insurance.

It is recommended to print out the electronic policy and take it with you. This is done for those cases in order to quickly present your e-CMTPL to traffic police officers when checking documents. As you know, not all traffic police officers are equipped with devices that allow you to quickly check your insurance online.

Electronic OSAGO has the same power as paper. At the same time, the cost of such a policy does not increase. It is designed to simplify the insurance procedure and save time for clients.

Good afternoon or evening, dear readers of my blog.

The day before yesterday, at the request of a friend, I helped him to issue an MTPL online. Since last year we did OSAGO in AlfaStrakhovanie, and there is still time - two weeks before the expiration of the policy, it was decided to simply extend the policy, since no changes were required. It's five minutes, as they say)

By the way, if you are also going to renew your policy in the near future, I would like to remind you that now the policies issued online do not come into effect the next day, as it was quite recently, but after 3 days on the fourth! ...
And yet, since there are cases that the "points accumulated by the driver", or rather the points taken into account MSC coefficient- unexpectedly changes for the worse for the driver, and he simply becomes a "newbie" at the wheel, which translates into an unexpected rise in the cost of compulsory motor third party liability insurance, I recommend checking your KBM in advance. And start to draw up a policy not three days before the expiration of the previous one, but 2-3 weeks. You will have time to write a letter with the requirement to check and correct the KBM, if it suddenly changed or disappeared altogether. Link for KBM checks You can find it on our website.

Well, okay, I don't argue with that, however, when the policy is extended for a new period and in the absence of insurance events during the validity period of the previous policy, the MSC should decrease and amount to 0.5 (which, by the way, is its lowest value.)

We go to the Alfastrakhovanie website, to the "Policies" section of the personal account and see the coveted "Renew" button. We press ... The site informs that our request will be processed by the employees of the IC, and possibly checked against the PCA database, and if everything is in order, then a link will be sent to our mail to prolong (extend) the contract.

A few minutes later, a letter came and we were able to continue. (In the interest of privacy, some numbers and words in pictures will be grayed out)

The price (renewal) of the policy was 2536.69 rubles. Exactly the same as last year! What's the matter?

For the sake of interest, without closing this page of the site, we went to the page for registering a new policy, where we had to enter all the data again. And what is the bottom line? See below:

About a miracle! MSC has decreased by 5% (as it should be). Well, and accordingly insurance price decreased by 230 rubles))) A trifle, but nice!

As expected, when the policy was extended, KBM did not change:

So, friends, draw conclusions - if as a result of the prolongation the cost of the policy, or rather the size of the insurance premium, has not changed, then either you have already reached the minimum due to the fact that your BMR = 0.5, or they are simply trying to deceive you. If you don't want to bother because of 200-300 rubles, you can safely press the "Pay" button and get a new policy and an unchanged KBM. Or try to issue new policy and maybe even new policy from another insurer and see if the MSC and the cost of insurance change.

Another point that AlfaStrakhovanie has been using for a long time is the imperceptible "vparivanie" additional service - driver's life insurance. I thought that it was not at all imperceptible, since half of the line is still visible, and even when proceeding to payment, they will try to take more money from you. But it turns out that some people fall for this bait. Fortunately, the amount is small, and in relation to the price of insurance it does not greatly increase its cost - only 350 rubles!

The line appears at the moment after you specify the payment method. The line is immediately shifted under the calculation header and is almost invisible. But it does not go away entirely, so that, apparently, there are no charges against the insurer about fraudulent actions.

Just scroll up the page until you click the "Pay" button and uncheck the box. Everything! Now click "Pay" and proceed to payment!

And finally.

After we paid for the new policy and received it in our mail, it was funny to observe the following in our personal account:

Two policies with the same conditions, but different prices!

Good luck on the road!

Let me remind you that from November 1, checking the registration of the OSAGO policy will also be carried out through the means of photo and video recording. Keep this in mind if you have not yet issued a policy! The amount of the fine has not changed yet. But is it really a fine? Issue a policy so that there is nothing, God forbid, of course))

During the validity period, it may become necessary to make certain amendments to it. In what cases it is necessary to report the changes in the IC and how to make changes to the electronic OSAGO policy, we understand this article.

What is the risk of inaction?

In accordance with clause 8 of article 15 of the Federal Law "On OSAGO" in the event of any changes in personal data, the policyholder in mandatory conditions must notify the insurance company.

At the pace modern life a person does not always have the opportunity to do necessary things to correct the document. And someone, due to ignorance, does not understand exactly how to make changes to the electronic OSAGO policy.

If about a change phone number do not report to the UK, then this will not entail sad consequences. But if you do not make adjustments when changing documents, place of residence, full name, then you can find yourself in a very unpleasant situation.

For example, when checking documents, a traffic police officer will ask a lot of questions why the information in insurance form does not match the data in your documents. The guardian of the order has full right recognize the policy as invalid and issue a resolution on violation of administrative responsibility.

This is not yet the most critical situation, everything becomes more complicated when a traffic accident occurs. No insurance company will agree to indemnify for damage under e-OSAGO, in which the data does not correspond to reality. Therefore, it is important to change the data in time electronic policy of motor vehicle liability... Timely change of data in the electronic policy will save a lot of time and money in the future.

When do you need to make changes

Amendments to the electronic OSAGO must be made in the event of a change in any data entered in the unified RSA database. Namely this:

• replacement of VU;
• the need to use the vehicle outside the period of use prescribed in the insurance form;
• replacement of TCP;
• replacement of the state registration plate;
• change of the owner of the vehicle;
• change of place of residence, F.I.O.

In addition, when transferring control of the vehicle to a temporary driver, it is also necessary to change the insurance.

When are changes not allowed?

It is not allowed to make the following adjustments to e-OSAGO:

1. In the e-insurance form, you cannot change the vehicle.

2. The insured - a new individual will not be added to the form.

3. It is impossible to correct the term of insurance.

In all of the above cases, you must first terminate the insurance contract and re-enter it. Such changes are not made to the policy.

How can the data be corrected?

Starting from clause 11 of Ch. 1 of the OSAGO Rules, the insured has the right to make changes through Personal Area on the insurer's website. This is done by sending an electronic application to the UK, which is 2 working days under consideration, after this time the client receives a response.

This may be an updated policy form in in electronic format or motivated refusal about making amendments remotely. Then the insured must contact the office personally and receive a reissued OSAGO policy in paper form.

If there is no technical ability to perform the necessary actions through the LC on the insurer's website, then you will also have to go to the nearest branch of the IC. An outsider can perform these manipulations on behalf of the owner on the basis of a power of attorney issued by a notary.

Required actions and documents

When visiting the UK in order to change e-OSAGO, you must take with you all the updated documents. An employee of the insurance company will make the appropriate changes to the PCA database, and they will immediately be reflected in the policy:

1. Changing a driver's license requires you to submit an updated document and passport, write an application. That's all you need to do to make a change. In the future, make sure that when calculating the cost of insurance, the previous VU number on which the KBM is listed is displayed.

2. In order to enter a new driver, you must bring his driver's license and your passport. You may have to pay an additional insurance premium.

3. If you decide to extend the period for using the vehicle, then you should contact the UK before the end of the period prescribed earlier.

4. When changing registration, it is enough to provide a passport and write an application.

5. Having changed the passport of the vehicle, do not be lazy to change the policy, because this information is displayed in it. It is necessary to provide a new TCP, the owner's passport.

6. Upon receipt of new numbers on the car, you should also update the insurance form. Take your vehicle registration certificate and passport with you, write an application for changing the license plate in the insurance form.

7. If you decide to take a different surname, then first take care of changing all documents, and only then contact the insurance company with a full package of corrected documents.

8. It is possible to indicate in the insurance the new owner of the vehicle. This requires the presence of the policyholder, a passport of a citizen of the Russian Federation, a passport of the new and old owner, a document that confirms the ownership of the vehicle.

9. If necessary, you can, then the cost of insurance will increase.

In each case, it is necessary to write a statement on behalf of the car owner, which will be accepted and certified by an IC employee. The client will receive a standard paper form of the policy, the number and validity period, which will remain the same.

It is important to receive the revised e-insurance policy in a timely manner.

At the same time, only IC employees can make adjustments, the insured himself is prohibited from doing this. Do not hesitate to contact your UK to request a change in data. Otherwise, the situation may turn against you.

When visiting the UK, be sure to ask for a copy of the visa application from an employee of the organization. Read the remediation rules in advance insurance policy, this will help to avoid the conclusion of a new insurance contract on the initiative of the IC employee, which will be financially unprofitable for the client.