Enroll in insurance with another insurance company. How to add another driver to the insurance at Rosgosstrakh? How much does this service cost? New vehicle owner
Sometimes it becomes necessary to share a vehicle with another driver. It can be a friend or close relative, an employee.
In order not to get into an unpleasant situation, namely, not to pay fines and material compensation to all participants in an accident, it is necessary to enter other drivers of the car into the CTP policy. How exactly such a procedure goes, how much it costs, what documents should be collected - read the article.
How do I add another driver to my insurance?
The policyholder must personally visit the company's office along with a co-driver's license and insurance. If it is not possible for the car owner to come to the organization, you can draw up a power of attorney and certify it to a notary.
In addition, there are a number of insurance companies that do not require the presence of the first policyholder. This indicates that the organization has a bad reputation, since in such a situation any fraudster can take advantage of the situation and drive someone else's car.
You will not be required to fill out the application yourself. This is done by the manager himself, at the end he will ask you to put a personal signature and check if everything entered is correct.
Required documents for registration of one more driver
In order for insurance managers to enter another person into the policy, the following package of documents will be required:
- Valid insurance. It can be either limited or unlimited.
- Passport of a citizen of the Russian Federation of the person who needs to be entered.
- His driver's license (original or copy).
- Statement. Often it is filled out by the employees themselves, but sometimes, in order to save time, you can fill out a questionnaire at home, a sample of which can be easily viewed on the Internet. A free-form document is being written.
- If necessary, a general and legally certified power of attorney. In this case, you will also need a passport of the trustee.
When does the need to add another driver arise?
In the event of an accident, the insurance company covers the costs associated with damage to the car. This will only happen in a situation where the person driving the vehicle is included in the insurance. Otherwise, there will be no financial payments.
It should also be noted that such a driver will compensate the amount of damage to another victim from his own pocket.
In addition, if the traffic police inspector starts checking the documents for the car and discovers that insurance policy no, or the driver is not included in it, then a fine of five hundred rubles will be imposed.
Another factor - if it is decided to enter a person who has a long driving experience, as well as many years behind him without a single emergency, you can save on the policy, since SK offers discounts.
The very procedure for entering a person is not complicated, does not require a lot of nerves and money. Therefore, if the car, in addition to the owner, is driven by his friends or household members, then it is better to enter them in order not to get into an unpleasant story.
The cost of adding another driver
The price is calculated using the following formula:
(base cost of the document + KBM + the cost of the policy, taking into account the discount) × period
It turns out that there is no single cost, it depends on many factors. From which ones?
What affects the price?
The price tag depends on:
- The base cost of the insurance document.
- Territorial coefficient (according to CTP statistics).
- KBM new driver.
- VSWR (ratio of age and experience).
- How long does the driver fit in?
Age to seniority ratios:
- 8. The driver of a vehicle is under 22 years of age, and his driving experience does not exceed three years.
- 7. The driver is over 22 years old, but his driving experience is still small (less than three years).
- 6. The driver is over 22 years old, the driving experience is more than three years.
Many insurance companies provide a system of discounts of 5% or more. This system is cumulative and depends on the number of "accident-free" years.
How many people can be included in the policy?
It all depends on what type of insurance is. They are of two types:
- Limited. In this case, more than five drivers can be entered into the document.
- Unlimited. You can add as many drivers to the insurance as you need. Despite the fact that there are only five fields to fill out (that is, it is designed for five people), the manager can continue the list with back side... Even if this side is not enough, the employee of the company is obliged to make an annex to the policy, where he will enter the rest of the vehicle operators.
In addition, insurance companies have a service - unlimited use of the car. It is used when the driver himself does not know who will use the car. The cost of such a service is quite high, which is associated with a great risk for the IC.
It should be noted that only individuals can enter drivers' insurance.
Registering a co-driver with insurance is quick and easy. The package of documents is minimal, it is possible not to come to the office on your own, for example, send a trustee or call the manager of an insurance organization at home.
This must be done in order to receive financial compensation for the damage caused in the event of an accident, and also not to pay money to the rest of the participants in the accident (regardless of who is right and who is wrong).
Also, a traffic police officer can issue a fine for driving without insurance. The cost of the registration process is calculated according to a special formula and depends on many factors, the main one is the person's age and his driving experience, as well as the number of accidents. You can enter not one person, but several. The number of possible drivers depends on the type of insurance.
Part 8 says that all changes in the data that were mentioned when concluding the OSAGO contract, and that occurred during the period of validity of the policy, must be transferred to the insurance company as soon as possible.
This is necessary in the event of a road traffic accident so that the insurer initiates the payment procedure as soon as possible. Money, and not confused in the specified data. But few drivers take such a requirement seriously, and in vain, making changes to the OSAGO policy takes only a few minutes, but it continues to protect you for the rest of its validity period.
However, the period that is given for making changes is not limited. The legislation does not provide for articles that provide for the refusal of insurance payments in the event that no changes have been made in the policy on the part of the client. But for the provision of incorrect data, and knowingly, a measure must be applied that invalidates the insurance policy.
In some cases, the invalidity of the insurance policy can be challenged, but you will have to meet in court.
Reduction or extension of the term of use
If a citizen has decided that he wants to use the OSAGO policy for a longer period of time, or vice versa, to terminate the contract ahead of time, then he must notify the insurance company. If the period of validity of the policy is reduced or increased, this entails additional material costs from one side or the other. You need to be prepared for this turn of events.
You can learn more about how you can extend the online OSAGO in Rosgosstrakh.
Changes to your driver's license
In a number of situations, the driver can change his license, as a result of which the details of the documents will change. This may be due to the loss of documents or due to the fact that the driver's license has expired.
In the event of a traffic accident, you will need to know the exact details of your driver's license in order to initiate the procedure for receiving funds as soon as possible. Unfortunately, if the details of the driver's license do not match those in the contract, there will be confusion and confusion.
Moving to another place of residence
If the procedure for receiving funds through an insurance policy is initiated, some documents will be sent to you at the address of your place of residence. If you have changed the address of your place of residence, you must promptly notify the insurance company, otherwise important documentation will simply disappear, being sent to the address where you no longer live.
Other TCP or license plate
PTS can be replaced if it contains errors and the traffic police inspector insists on replacing it. Or just lines in the passport vehicle will no longer remain. In this case, the citizen is issued a duplicate, and the title deed remains in the state traffic inspection. If a duplicate was issued, it is necessary to urgently notify the insurance company.
It is also possible that the driver changes the registration plates of his car for reasons such as:
- Damage to the sign that occurred during the accident.
- Various mechanical damage.
- The appearance of rust.
- Loss or theft of the mark.
Citizens can change the number to the one that was present on the car earlier or get a new one.
If you have changed the state registration plate, which was indicated in the contract with a new one, you must urgently inform the insurance company about it.
personal information
Sometimes citizens' personal information changes. For example, in the event of marriage, a woman's surname is changed. In order to avoid confusion in the event of an accident, it is necessary to notify the insurance company about the change of your personal data.
New vehicle owner
The owner of the vehicle changes frequently. This is due to the fact that the car undergoes a purchase and sale procedure or is transferred within the family. Be that as it may, if another person becomes the owner of the car in the car, then such an action should be reflected in the CTP policy.
Include a new person in insurance
Very often, the owner, the issuer of the insurance policy, decides that he is not the only one who has the right to drive a vehicle. During operation, other persons may be added, for example, relatives, who may also be allowed to operate.
In the event that a road traffic accident occurs when a third person is driving, material assistance under the CTP policy will not be paid. And all because the additional driver was not included in the insurance policy.
Car owner options
In the event that serious changes have occurred that radically change the essence of using the policy, then you need to make new form... It will help you avoid confusion in the event of a traffic accident. For example, in a situation where the surname was changed, and several persons were added as additional drivers, it is best to issue a new policy.
You cannot make changes to the insurance policy yourself, only an employee of the insurance company has this right.
How to add another person to the UK office?
In order to make changes to the insurance policy, you must use the step-by-step instructions.
- Drawing up an application to the insurance company according to the relevant requirements of the sample (for more information about the instructions for filling out an application for OSAGO insurance in IC Rosgosstrakh, you can find out).
- Collection of packages of documents and their respective submission together with the application.
- Verification of the papers submitted by you by the employee of the company.
- Obtaining a new insurance or an old one, but with changes made to it.
Despite the fact that this manual looks quite simple, it contains many nuances that should be treated carefully.
Application submission
In order to enter the data on the new added driver into the insurance policy, you must notify the insurance company of your intentions in writing. Such actions are carried out by means of a self-written statement. The application is drawn up on a white sheet of A4 format. You can also fill out an application on a computer.
However, each company may have its own letterhead, which is different from the one shown. Therefore, check this information in advance. Also you can give up the idea of pre-filling the application. This can be done directly in the office, under the guidance of a company employee.
Drafting and filing can be carried out by an authorized person in the presence of a notarized power of attorney.
What needs to be provided to the insurance company?
In order to correctly enter data into the OSAGO policy, it is necessary to correctly draw up a package of documents. Your package will include:
- civil passports of the insured and the person who is planned to be entered into the policy;
- driver's license for each of the applicants;
- original CTP policy;
- a written application for amendments.
Receiving a new document
The last step and the best part is getting insurance. Depending on the type of fixing the updated data, you will be given the old form, in which the marks will be set, or a new document will be immediately issued. In some situations, it may be necessary to pay the insurance premium, this can be done at the SK box office.
How to make changes to an electronic policy and can it be done online via the Internet?
According to the law, namely part 8 of article 15 of the Federal Law-40, the insured is obliged to notify the insurer of the changes in writing. Contrary to the law, clause 1.10 of the Insurance Rules states that changes can be made online or by reissuing a paper document.
But the Rosgosstrakh website confirms that you can make changes yourself in electronic cabinet customer clicking on the icon with a pencil.
The step-by-step algorithm will be as follows:
How much is it?
The procedure for making changes itself is free... But since, when adding new drivers, the sizes of the KVS and MSC coefficients will change, then the insurance premium is subject to change. It will depend on the age, experience and the number of drivers that need to be entered.
If each of the registered persons has an impressive driving experience, then in such a situation the cost of additional payment under the CTP policy will be minimal. And if these persons have little driving experience, or are sloppy drivers, then the amount of the surcharge will be significant.
Watch a helpful video on the effect of odds on policy prices
How many people are allowed in auto insurance?
In fact, in the law on OSAGO No. 40 there is no established framework that indicates how many people can be entered into the OSAGO policy. Restrictions can be set by the insurance companies themselves who cooperate with the citizen. But it is possible that the insurance company will follow the same path with you and will allow you to enter more number than specified in the contract.
Often, citizens are faced with the question of what is most profitable to buy - unlimited car insurance or simply write in the driver. Here you need to look at the individual characteristics.
Buying unlimited insurance is quite expensive. However, if you enter into the insurance policy a person whose driving experience is less than one year, or has experience of emergency driving, then at the cost of such an entry will come out as the cost of unlimited compulsory motor third party liability insurance.
IMPORTANT! In the OSAGO policy, you cannot change the terms of the contract if one of the parties does not consider such actions necessary. It is also impossible to make changes about a third person entered in the policy without his knowledge, for this you must have a power of attorney.
According to the law, after buying a car, every motorist is obliged to purchase an MTPL insurance policy.
If someone does not want to do this, then in any accident he will have to restore the wrecked car from his own pocket. Sometimes, after the owner of the car has bought the MTPL policy, it becomes necessary to add his one driver to the insurance.
However, not every motorist knows at all how one can add another person to the auto insurance policy and whether it is allowed to add another person there at all.
Adding a co-driver to auto insurance
The procedure for adding another person to insurance, as a rule, causes resentment among some motorists.
And therefore, so that every motorist could enter another person himself, the following instruction was created by qualified specialists:
1. The owner of a vehicle who wants to add one more person to the insurance must take an OSAGO policy for a vehicle that is being driven by another driver. The car owner, if he is not the insured of such a car, does not have the right to bring unauthorized persons into the insurance.
2. Then you need to visit the nearest office of the insurer, where you bought the OSAGO policy and add another driver to the insurance.
3. The owner of the vehicle and the insured must take with them to the IC the person who is supposed to be included in the car insurance of OSAGO.
4. The owner of the car must, in addition to the OSAGO insurance, have with him: a passport and documents for the car.
5. Since since 2016 other persons have not been manually entered into auto insurance, you need to go through all the instances of the insurer again and get a new policy with a different number and date.
After the insured has a new CTP car insurance, another driver has the right to drive this vehicle.
When adding another driver to the policy, the motorist should be aware that new insurance does not mean a new period of auto insurance.
The validity period of the reissued OSAGO works within the initially defined time frame.
Is it really necessary to include the second driver in the insurance policy?
This kind of question is asked by many car owners when visiting an insurance company.
Sometimes it can happen that during a trip with another person, the driver may feel bad. And who else can you entrust the steering wheel of a car without fear that the car will be stopped by a traffic police inspector? So, the introduction of a second or more persons ensures legal driving.
One should not expect that the owner of a car will soon have a sense of ownership. It is important to understand that the vehicle will be driven by a person who has every right to do so.
To reflect your spouse or any other relative in the insurance policy, you will have to provide the insurer with documents confirming permission to drive another person's car.
I must say that the owners of special vehicles are more often the second persons in the insurance: trucks, manipulators, minibuses or heavy trucks.
Since it is usually difficult to find permanent drivers for such cars, the policyholder solves the problem very radically: once a month, and sometimes even more often, drivers without work experience or individuals who have not worked in this area for a very long time are included in the OSAGO insurance.
And how much will you have to pay to add one more person to the insurance?
The cost of adding an additional driver to car insurance is the same in all insurance companies.
If the driving experience of the new driver is not less than the first one, then the cost of insurance does not increase.
But in the event that the driver's main driver is larger, then you will have to pay extra for bringing in an additional person, because this is primarily due to the fact that a driver without much experience has more chances to have a traffic accident.
But if everything is the other way around and the second driver is more experienced than the main one, then the cost of the policy will not change.
To add or not to add another driver to the policy?
Often a person entering a driving school does not have his own car. The question itself begs: how can he then practice driving?
So, in this case, it depends not only on the person being trained, but also on whether he will be able to control the machine.
Do I need to add a person who has recently received a driver's license to the policy on a car?
There are very, very many situations in which the question of entering a motorist who does not have driving experience into the CMTPL policy is being resolved.
Situation # 1 - a husband or wife has just received a VU
Often a spouse, a car owner with a long, and besides, accident-free driving experience, does not want to enter his faithful into the insurance, explaining that in a few years, when she learns to drive properly, it will be more profitable.
And instead of learning to drive around the city, she has to train on a dirt road, because there is less chance of running into a traffic policeman.
The spouse seems to be right about something, because he has a 50% discount for the experience of accident-free driving.
And if a driver without experience is included in the insurance for a car, then such a significant discount will no longer be. In addition, an inexperienced motorist entered into the policy increases the cost of auto insurance due to inexperience.
Situation number 2 - the son / daughter received a VU, and the parents presented the car
Sometimes loving parents give their child a car. Usually, after that, parents with their already very adult child come to the insurance company and enter their son / daughter into the insurance policy.
From now on, all responsibility for the accident committed by the offspring completely falls only on his shoulders, but the parents are calm: "the child must already be responsible for everything so that he does not answer."
In this case, insurance will be expensive, but at the same time, the motorist will have experience and insurance experience. After three years of driving, he will be able to get a 15% discount.
Situation number 3 - each member has a VU - and the insured does not want to add any of them to the insurance policy
This usually happens when the car is expensive, or soon the second child will receive a VP. In this case, the insured person prefers to take out auto insurance without limiting the list of those able to drive a car. Anyone who has a driver's license can drive the vehicle.
Is it necessary to take out insurance without limiting persons?
In order for every motorist to be able to decide whether it is necessary to take out such auto insurance, one should consider its pros and cons.
Advantages:
Fast registration;
Convenience for the insurance company;
Anyone with a license can drive a vehicle.
Disadvantages:
Lack of experience and seniority. Since the person is not included in the insurance, he will not receive a discount on the purchase of the policy;
The PCA website does not have information about the motorist by his VU number;
Motorists who have a MTPL and are not included in the OSAGO insurance automatically lose their insurance driving experience;
Insurance is expensive (5000-10000 rubles more expensive than standard auto insurance).
Legal regulations do not limit the number of people who can be entered into the policy. Driving a vehicle without an insurance policy is prohibited, and administrative responsibility is assumed for this (Articles 12.3, 12.37 of the Code of Administrative Offenses of the Russian Federation.). In practice, it is often necessary to transfer control of a car to another street (personal drivers, relatives, spouses).
In the event that the owner of the vehicle plans to transfer the right to drive, he must enter the data in the insurance policy in advance. You cannot carry out this procedure yourself. Such actions can be qualified as document forgery. All information about valid insurance policies is in a common database. Traffic police officers have full access to it and, accordingly, they can see the number of people included in the insurance policy.
Situations confirming the need to enter information about an additional person who will drive the vehicle
- In the event of an insured event involving the person included in the insurance policy, the compensation will be made. When the driver is behind the wheel, to whom the right to drive has not been properly transferred, the insurance company has good reason to refuse compensation for damage.
- In the event of an accident, the culprit of which is a person who drives a car without full legal grounds, the insurance company has the right, after the insurance payment has been made, to put forward recourse claims.
- When the insurance policy does not contain information about the additional driver, it is possible to bring to administrative responsibility in the form of a fine.
Only employees of the insurance company have the right to enter new data into the insurance policy.
The cost of entering new information into OSAGO
The cost of entering information about an additional driver is influenced by the presence of the following factors:
- age of the face;
- driving experience;
- the time frame for which a person will be authorized to drive a car;
- the cost of the original insurance policy;
- involvement in accidents while driving.
To determine the final cost of entering the data of another driver, there is the following formula:
(insurance policy price * driving rate - discounted policy price) * driving time (insurance policy remaining) = cost to be paid for the new driver.
For people with long driving experience without an accident, when calculating the cost of entering additional information, the following discounts are applied: 5% (4th grade), 10% (5th grade), 15% (6th grade), 20% (7th grade), 25% (8th grade).
For drivers who will be included in the CMTPL, the following coefficients are used:
Persons under the age of 22:
- experience less than 3 years - 1.8;
- more than 3 years of experience - 1.6.
Persons over 22 years old:
- experience less than 3 years - 1.7;
- more than 3 years of experience - 1.0.
- the time period during which a person drives a vehicle legally. At any adult age, having received the rights, after three years a person will have the necessary experience to reduce the coefficient when registering compulsory motor third party liability insurance. There is a discount for the absence of participation in accidents. This provision applies to persons who have issued an insurance policy for themselves more than once.
Taking the above formula as a basis, you can calculate how much you need to pay extra when entering new information. In the examples below, the primary driver is over 22 years old and has more than five years of experience driving without being involved in an accident.
How much does it cost to enter a new driver without experience in the CMTPL?
The cost of adding an additional person who does not have three years of experience, less than 22 years old, is calculated using a coefficient of 1.8.
We calculate:
(5417 * 1.8-4333) * 0.5 = 2708 - the amount of the additional payment.
The cost of entering new information into the insurance for a driver over 22 years old who does not have a three-year guard is calculated with a coefficient of 1.7.
We calculate:
(5417 * 1.7-4333) * 0.5 = 2437 - the amount of the additional payment.
How much does it cost to enter a driver in the CMTPL with experience?
When calculating the cost of adding a new person to the insurance, a coefficient of 1.6 is used in the case when the right to drive will be allowed to a person under 22 years of age with more than three years of driving experience.
We calculate:
(5417 * 1.6-4333) * 0.5 = 2167 - the amount of the additional payment.
Adding a person to OSAGO insurance, whose age is over 22 years old, while his management experience exceeds three years, will cost, taking into account the applied discount for the absence of accidents:
We calculate:
(5417 * 1.0 -4333) * 0.5 = - 542 additional payment amount.
Required documents
To carry out the introduction of an additional person into a valid insurance policy, the following documents will be required:
- A valid insurance policy.
- Technical passport (a document that contains information about the registration of the car).
- New driver's passport (identity document).
- Driver's license of the person whose data is entered in the insurance policy.
- A statement from the owner of the vehicle, in which he communicates to the insurance company with a request to enter information about the new driver. The application has the form of a form, filled in personally by the owner of the vehicle, without corrections and errors.
- A certificate issued by the traffic police confirming the absence of involvement in an accident for a period specified by law.
Important! The presence of two persons is obligatory - the owner and the new driver. If someone does not have this opportunity, his participation should be carried out through a representative. He must have a power of attorney, which is duly certified by a notary.
Procedure for entering data
The process of entering information about an additional driver takes place directly at the office of the insurance company that issued the current insurance policy. The completed application by the owner of the vehicle is subject to verification by the company's employees. When the application is considered and a positive decision is made, the following documents are issued:
- An insurance document that contains the new information entered.
- A document confirming the payment of the cost for entering new data.
- Memo for drivers on the civil liability insurance procedure.
- Bank, which is filled in in case of involvement in an accident (two copies).
Attention! The procedure does not imply payment for the services of employees of the insurance company. Requirements to pay for the actions of the insurance company can be regarded as grounds for filing a complaint with the supervisory services.
How to save money when entering the information of a new person into insurance?
In order to save money when making changes to the insurance policy, you need to drive a car without participating in an accident. Having extensive experience in driving without accidents, the driver will receive a big discount during the policy registration. The cost of the insurance policy is influenced by the region in which the main driver drives the car. It is worth paying attention to the coefficient applied in relation to the neighboring region. It may be cheaper to get an insurance policy there.
Entering data about an additional driver is a mandatory procedure. Failure to comply with these rules entails negative consequences.
There are cases when it is required to add a new person to the OSAGO insurance, who was not indicated at the beginning of the registration of the insurance contract. How and how many drivers can be entered into the CMTPL policy? How to do this according to the law and where do you need to apply? Read on for answers to the questions.
All insurance companies can change the terms of the contract in terms of increasing the number of people in the CMTPL policy. It is important that only employees of the insurance company can make changes to the insurance policy.
You cannot try to do it yourself. You may be prosecuted for forgery of documents, and in the event of an accident, it turns out that you yourself have made changes to the policy and you may not be compensated for the damage or there will be difficulties in paying them.
In accordance with the laws of the Russian Federation, in the event of an accident, Insurance Company will indemnify for damage caused only to the insurer with whom the contract was concluded. If there was a person driving the car who is not in the insurance policy, then he will receive an administrative fine. If such a driver gets into an accident, the insurance company will not pay any payments. It is set off to take such a risk if the process of adding a new driver to the policy is simple and takes very little time.
Three documents are needed:
- OSAGO policy;
- passport of the person to be entered;
- driver's license of the person to be entered.
At the insurance company, you need to fill out an application and bring three documents. The law does not stipulate that during such a procedure the owner of the car for which the policy is registered must be personally present, but insurance companies require a mandatory presence. If the driver for whom the contract was drawn up cannot be present, then he must write a power of attorney to carry out such operations. Policyholders require a notarized power of attorney, although formally you can simply write it by hand.
After you contact the insurance company, the employee will first enter the transformation and new information into the company's database, and then write it down to the policy. Then he will certify the changes made with his signature and the seal of the company. Most often, company employees print out a new policy with changes, and the old policy is canceled.
According to the law, there are no restrictions on the number of people entered, and an employee of an insurance company cannot insist on buying a policy without restrictions. But if you have entered more than two people, then it is more profitable to buy a policy without limiting the number of entered persons. What is “unlimited” insurance? If the car has one owner and one driver, such insurance is not required. But if the family has one car, and the wife, spouse, parents and adult children have a driver's license, then this is a different situation. If one car has more than two drivers, then there are two versions of insurance:
- both drivers are entered in the policy;
- "Unlimited" insurance.
In the first version, only registered drivers can drive the car. In the second version, no matter who is driving, the insurance will be valid. In this case, the coefficient will be equal to 1.8, and the policy price will increase by 80%. It is cost-effective, if one of the drivers is under 22 years old and the driving experience is less than 3 years, the cost of the policy with a coefficient of 1.8 will be cheaper. In this case, you can also take out "unlimited" insurance. If the driver has a higher coefficient, then regular insurance will be more expensive than "unlimited". The implication of this is that "unlimited" insurance is cost-effective in everything but cost. This type of insurance is suitable for cars of separate companies, and you can use, for example, the services of a “sober driver”.
The procedure for adding new persons to the insurance is paid and depends on the increase in risks.
Age coefficients:
Accident-free driving discounts:
Example: if the person you want to enter is over 22 years old and has had an accident-free driving experience of 3 years or more, then you will be given a discount. If you want to enter a driver who has recently been driving, then you will have to pay a high cost, and if he is less than 22 years old, then you will have to pay the full price and no discounts apply to such a case.
If you call your insurance company and ask for a copay or send a written request that they must respond to within three days. You can calculate the amount of the additional payment yourself, using the formula:
Pd=(P1—P0)*(N—M)/N
Legend:
- Pd- the amount of the surcharge;
By- the amount you paid at the beginning;
P1- amount with changes;
M- the number of days since the validity of the policy;
N- term of insurance.
It takes 15–20 minutes of time to enroll someone in insurance and follow this algorithm:
- Find the nearest office of your insurance company.
- Prepare documents: passport, policy, driver's license (power of attorney).
- Come to the office, fill out an application for converting the policy.
- Pay extra for the cost of insurance, if required.
- Receive a new insurance policy.
The information on the site is relevant in 2018, to find out the latest information for 2019, fill out the form below ⇓⇓⇓.
