Advice 1: How to enter into the insurance man

Sometimes there are situations when it is necessary to entrust driving to another person. But if the person is not specified in the insurance policy, violated the terms of the insurance contract, which is punishable by a fine. While few can give advice on how to write a new driver to insurance.
How to enter into the insurance man
You will need
  • - a valid insurance policy;
  • - passport and the right new driver
Instruction
1
In any case, do not make self-corrections in the policy. Any changes in insurance coverage are allowed to only do the employee of the insurance company. Otherwise, to compensate for a self-made driver, the insurer will not. But the autopsy by the police of the fact of fraud will be detained for forgery.
2
For making changes in insurance, visit the insurance company office or call an insurance agent at home. In this advance, prepare the insurance policy, and a document certifying the personality of the new driver and his driver's license.
3
To enter a new person in the policy also required the presence of the owner of the vehicle or from his General power of attorney. This is a purely formal requirement, but mandatory.
4
Complete the application to change the list of drivers. On the basis of this document will be amended in the database CTP. Then the insurance agent will make all necessary changes to the policy or write a new one. Please note: all changes must be signed and stamped by the officials of the insurer. Although most insurance companies will simply issue a new certificate (the duplicate).
5
Make the policy as many drivers as you want without restrictions. Even if the number of entered drivers will be more than 5, refuse the requirements of the purchase of the policy without restrictions. With a large number included in the policy the person insurance agent shall apply to the additional insurance document showing all authorized persons. Either print this information on the reverse side of the policy. In any case, always make sure that you have the stamp and signature of the authorized person.
6
The procedure for incurring new face free. But when you change the degree of risk or loss discounts for trouble-free, the insurer has the right to demand surcharges to the cost of the policy. Detailed extra find out in advance by calling the office of the insurer. In addition, request a written calculation of the insurance premium payable upon the refinement. This will allow to independently verify the correctness of the calculations of the insurance company, if for any reason you don't trust her.

Advice 2 : How to put another driver in the insurance policy

Insurance policy insurance is a mandatory insurance of civil liability of car owner. Insures your liability to third parties in the event of damage to the car in an accident.
How to put another driver in the insurance policy
You will need
  • - the insurance policy;
  • - driver's license.
Instruction
1
There are 2 types of policies insurance: with a limited circle of persons admitted to driving, and without restrictions. In the case of unlimited insurance any driver holding a driver's license and authorization to drive a vehicle, can be allowed to drive a specific car. In the case of insurance with limits of each new driver must pay in the form of the policy CTP.
2
You should contact the insurance company with which you signed the contract for insurance. Please submit the completed form policy driver's license of the person who will be entered, and a passport. The new driver will enter into the free lines of the policy or on its reverse side.
3
Verify that the hotfix was necessarily stamped by the insurance company. You must be issued a new insurance policy with all submitted data to replace the old. But often the agents of insurance companies ignore this rule. In this case, make sure that the name of the person listed additionally in the old insurance policy that was entered in a common database.
4
If the person you are going to fit into the policy of insurance, under 22 years old and has little experience of driving a car the insurer the right to demand from you the payment of an additional insurance premium. The surcharge will be calculated based on the number of days remaining until the end of the insurance. Multiplying factors in this case are the following: if the experience of the driver, entered in insurance, less than 2 years - 15%; if its age is less than 22 years - 20%; if both conditions are not met - 30%.
Note
In case of an accident caused by the driver not included in the insurance policy, the insurance company will refuse to pay. In this case, you will have at your expense to carry out repair work not only your car, but a stranger.
Useful advice
If the driver who drives a vehicle not included in the insurance policy CTP, may be fined in the amount of 3 minimum wages (clause 1, article 12.37 of the administrative code).

Advice 3 : How to write on the insurance policy

The policy of insurance contains information on the persons admitted to management vehicle during the term of insurance. Be sure to document every driver of a vehicle, as in the case of an accident liability to third parties will be insured by the company issuing the policy of insurance.
How to write on the insurance policy
You will need
  • - the insurance policy;
  • - driver's license.
Instruction
1
To enter the driver in the policy CTP, you need to come to the office of the insurance company that issued your insurance. Be present when you change data policy needs in person, please bring with you the insurance policy and driving license of the person, which you enter into the document.
2
Write a statement asking to enter a new driver into the insurance and issue you a new policy. The old policy CTP , you must pass.
3
Don't settle for something that a new driver will enter in a blank line of your old policy or on its reverse side. By law, this procedure is prohibited. The insurer is obliged to issue you a new policy with any changes. Frequently, the insurance company representatives or agents are neglected by this rule, so you can arrange a policy of insurance directly to the office of the insurance company. Do not use the services of agents.
4
If the new driver's driving experience less than 3 years or aged under 22 years, you will have to pay the sum insured. The surcharge will be calculated in proportion to the number of days remaining until the end of the term of the policy.
5
Do not write new data independently of the driver in the insurance policy, in the event of an accident the traffic police will impose a fine for forgery.
Note
If the vehicle will get into an accident because of the driver not specified in the insurance policy, the insurance company will refuse to payout.
Useful advice
In the design of CTP insurance policy you can make a document without any restrictions. It will cost more, but in this case, you do not need every time to write a new driver to the policy. The vehicle will be able to control any man if he has a driver's license and power of attorney.
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