How to enter in the policy of the driver

There are situations when it is necessary to trust the car to another person on an ongoing basis, and if it is not written in the insurance payment - it is fraught with a fine. It is worth noting that if the car falls into an accident due to the driver's fault, which is not entered into insurance, the company refuses payments, since the terms of the contract are violated.

It is not allowed to enter or fix it yourself in a policy. It should be done only by an insurance company employee. If the accident happened and it turned out that it was made independently amendments in the contract, the company does not reimburse damage in such situations. It is possible to initially do the OSAGO without restrictions - it is more expensive, but any person who has driving license can be controlled by the vehicle. When making a "limited insurance", it is allowed to enter up to five people.

You need to independently go to the office of the insurance company. Prepare the documents of a person who will be entered (its passport is needed and a driver's license), as well as the policy of OSAGO. The agent should issue a new document, and the old remove. It is unacceptable to enter a new person in the empty strings of the old policy - this procedure is prohibited by law. Very often the agents are neglected.

The insurance representative is obliged to recalculate the cost of insurance, given the data on the new driver. In case the driver's driving experience is less than three years old, or he under 22 years old, the insured amount increases. It is recalculated in proportion to the days that remained until the end of the insurance policy.

After the agent has made all the data into a new document, you need to recover carefully. If there are no errors - payment is made and a new policy is issued. It must be definitely certified by printing and signature. All information in this document is identical with the previous one, the only thing that has changed is a list of persons allowed to control the car.

When making the CCAMA, each person is assigned a class, which is determined, based on the age and experience of the driver. Of all those who entered the policy, the one who has the lowest class, and the cost is calculated. The lower the class - the higher the cost.