There are several subtleties in the question of whether it is necessary to take out life insurance when insuring a car. Any type of insurance does not carry anything bad with it, but on the contrary, it helps to get at least a little help financially.
But often, when purchasing a policy, many insurance companies use the imposition of additional services to provide protection of a completely different type. And then, it’s really interesting whether it is necessary to insure life when insuring a car under compulsory motor liability insurance in 2021 and whether it is even legal.
Let's look further at what happens if the policyholder refuses to purchase a life insurance contract by issuing an “automobile insurance policy”, and also, on the contrary, if the insurance company refuses to conclude a compulsory motor liability insurance contract for the driver.
Is it necessary to have life insurance when insuring a car?
Don’t think that you’re the only one who has had to deal with such an injustice as life insurance tied to the “automobile” insurance policy. Many car owners do not even realize that they are purchasing a car insurance policy with an additional service in the form of life insurance.
This situation is quite common, but there are cases when car owners do not accept applications for compulsory motor liability insurance due to the lack of forms, and they also come up with other illegal reasons. One can come up with many cases of refusal, but whether life insurance is mandatory under compulsory motor liability insurance in 2021 remains an open question. The most pressing issue is when purchasing the first policy.
In general, the cost of life insurance imposed on compulsory motor liability insurance is not very high. But the legislation on compulsory insurance of such actions on the part of the insurance company does not provide for and even punishes unscrupulous companies.
That is, the opinion that without purchasing a life insurance policy there is no compulsory motor liability insurance is a complete misconception. In 2021, driver liability insurance is allowed to stand alone from other types of coverage when you don't think you need it.
Cost of insurance for special equipment
Undoubtedly, this issue interests every owner, since the cost of compulsory motor insurance for special equipment can be very different from compulsory motor insurance for ordinary cars. Here, calculations also take place using certain coefficients, which we will discuss later.
So, when calculating the cost of insurance for special equipment, the following is taken into account:
- Region of registration of the owner of special equipment;
- KBM - increasing or decreasing indicator, shows the presence or absence of insured events previously;
- Season for which insurance for special equipment is issued (from 3 months);
- Age and length of service of the owner and persons admitted to management;
- Presence of violations.
Many insurance companies may also have various additional coefficients, and many companies may simply refuse to issue an insurance policy for special equipment, since it is not a segment and is unprofitable for them.
You can always get a compulsory insurance policy for your special equipment at any time, regardless of the region in which you are located or registered, the number of insured equipment and other difficulties that you may encounter with other insurance companies.
Amendments to car insurance legislation
Back in 2014, the “motor citizen” underwent a number of changes in provisions. These provisions do not say anything about the fact that life insurance and compulsory motor liability insurance must go in parallel and be purchased jointly.
When asked whether it is possible to insure without excluding additional services, unscrupulous organizations answer categorically, since they do not want to lose profit due to innovations. Innovations in legislation applicable to compulsory motor liability insurance consisted of changes in the amount of compensation and fines.
- OSAGO insurance additionally includes services to protect life and health, but the insurance company is subject to sanctions in the form of a fine. The amount of the fine does not exceed 50,000 rubles;
- The amount of payments under the Europrotocol has been increased. This document is filled out without the participation of the traffic police, by mutual agreement of the drivers. Compensations for victims have also been increased to 500 thousand rubles;
- A car owner can insure a car under compulsory motor liability insurance in any chosen insurance company, but after a car accident, a claim in order to receive compensation should be submitted to your company, and not to the initiator of the accident.
Why are life insurance not compulsory?
Not many Russians know their rights, especially with regard to compulsory and voluntary insurance. Since in the case of a car, insurance is mandatory, which means you cannot escape from it by law. But in the case of voluntary protection of life and health, the policyholder has the right to think and refuse.
The law “On Compulsory Motor Liability Insurance” does not provide for any terms of the contract that infringe on consumer rights. The type of driver liability protection is provided in a single copy and covers only the risks associated with liability on highways.
Every Russian has the right to choose for himself whether to defend life or not. Since this option of protection is voluntary, its imposition makes the agreement unclaimed.
But many insurance companies prefer to add life protection to compulsory motor liability insurance, trying to earn as much as possible. When a driver is forced into insurance, we will consider what to do next.
Why do insurance companies sell life insurance?
Refusal to provide forms for the protection of motor third party liability OSAGO is unauthorized. But greedy insurance organizations, despite the laws, are trying to stay profitable.
The driver has the right to refuse life insurance when applying for compulsory motor liability insurance, but insurance companies are free to insist and simply not sell the form. The answer to the question of why companies do this is the amended provisions in the law on “automobile citizenship”.
That is, the funds allocated for treatment that victims may need have been increased. This means that insurance companies have to pay more to the victim than before. The unprofitability of this type of protection is possible and forces the insurance company to take action and impose more profitable insurance.
Legal regulation of the issue
After 2014, significant changes were regularly made to the legislation regulating the insurance industry, which affected the following features:
- grounds and rules for concluding an insurance contract, the procedure for receiving insurance payment;
- terms and amounts for receiving compensation in the event of an insured event;
- the procedure for providing compensation in each specific case;
- delimitation of the grounds necessary for the occurrence of an insured event.
None of the changes indicated the establishment of a new additional type of insurance, which is preliminary and mandatory for obtaining a compulsory motor liability insurance policy. The client has the right to independently choose the services he needs.
ATTENTION !!! An insurance company cannot refuse to provide a service solely because the client refuses to enter into an additional contract. Such actions violate numerous civil law norms.
Civil legislation, as well as the norms of Federal Law No. 40-FZ, establishes that in order to issue an insurance policy, it is enough to provide the list of required documents established by law. If these requirements are met, the insurer must provide the service and conclude an insurance contract.
The Law “On the Protection of Consumer Rights” also prohibits limiting the rights of consumers by any actions, preventing them from receiving a service, or refusing to conclude a contract in the absence of legal grounds.
In the near future there are no plans to make significant changes to the current legislation in the field of insurance, therefore all established rules remain in force.
Thus, refusal to issue an MTPL insurance policy on the part of an organization due to lack of life insurance is unacceptable and illegal, and therefore can be easily challenged in court. Judicial practice on these issues has developed and in most cases the courts satisfy the claim and oblige the organization to pay money to cover the moral damage or losses caused.
Which insurance companies issue compulsory motor liability insurance policies without life insurance?
If the insurance company department tells you that it is not enough to insure the driver’s liability, but you also need to pay the transport tax and purchase another additional service, then quickly leave the office.
The driver is only required to have civil liability insurance. Other services are not included in the list. SKs who insist on their own way are scammers. In order not to initially fall for the bait of greedy insurers, it is advisable to independently calculate the cost of insurance. Knowing the real price of the policy, you will understand whether you are being deceived.
Large organizations that value their reputation will not force additional services on you. Because they have a fairly large financial turnover and they already make good profits from other projects.
It will not be a secret, these companies are:
- AlfaStrakhovanie;
- Tinkoff;
- SOGAZ;
- Agreement;
- MAX;
- RESO.
What documents are required when applying for compulsory motor insurance for special equipment 2019
To draw up a contract of compulsory civil liability insurance for special equipment, you will need the following package of documents:
- Identification document of the owner (passport);
- Documents for special equipment (PTS, STS);
- Driver's license of the owner and authorized persons;
- A diagnostic card indicating that special equipment has passed technical inspection.
If OASGO for special equipment is issued by a legal entity, then you will additionally be required to:
- Charter documents of the company;
- Power of attorney for the employee who will issue the policy (if there is a director, then a power of attorney is not required);
- Organization account details.
We draw your attention to the fact that, as a legal entity, you will be able to receive all the necessary documents required for you, for example, we will issue an invoice without any problems and issue documents confirming the legality of the transaction.
Where to complain if additional services are imposed
Frequency and continuity are required for car insurance. If your current insurance expires, you must renew it as quickly as possible. Otherwise, traffic police officers will consider your forgetfulness as non-compliance with the law.
Some insurance organizations, knowing this, try to manipulate clients. Companies deliberately do not sell policies, forcing customers to agree to additional services. Since there should be no interruptions in insurance, many drivers fall for such manipulations.
We have already discussed earlier whether it is legal to force people to insure life under compulsory motor liability insurance, and the answer will be negative. But how to deal with this? You contacted the insurance company, but they refused to issue you insurance documents, then you are allowed to complain about it.
The complaint is sent to the company itself. For these purposes, you will need a written statement of claim that reflects the essence of the problem. Thanks to the new rules, the insurance company should take no more than 5 days to consider a claim. If you continue to be ignored after 5 days, then send a complaint to the RSA or the Central Bank of the Russian Federation. It is allowed to send a letter on the official portals of both organizations, and also send it by mail.
Types and forms of insurance
Experts call two forms of insurance: individual and group. Anyone can insure themselves or another person. In this plan, the insured person pays the insurance premium from his own funds.
When insurance is group, then payment for insurance is carried out by an organization or enterprise. Insurance is provided for the entire staff of employees. Its action is designed for twenty-four hours a day, but it can be limited only by operating time.
Socially responsible organizations guarantee that employees are provided with corporate insurance. This mainly applies to large companies, where insurance is an integral part of the social package. This also applies to employees of hazardous production. This type of insurance represents significant financial assistance to an employee during the period of his temporary disability. Due to disability and death, his family is supported financially.
The types of social insurance include voluntary and compulsory. Thus, the legislation provides for compulsory insurance for certain categories of employees. These include military personnel working in law enforcement agencies, courts, the Ministry of Emergency Situations and others. Passenger insurance is provided at the expense of the carrier.
The voluntary type presupposes the free choice of the amount and terms by the insured person. The contract is concluded based on the application of the policyholder (individual or legal entity).
How to return life insurance with compulsory motor liability insurance
Having realized immediately after communicating with an agent who does not have the right to sell life insurance that you have unknowingly overpaid for the policy, you need to act quickly. Any policyholder has the right to refuse life insurance under compulsory motor liability insurance, even with a signed agreement, which the driver only noticed at home.
But there are some nuances. In order to return the money in full, you must come to the head office of the company with a refusal application within five days. But the policyholder, who came to his senses much later, will not receive a full refund, since in fact the insurance began to take immediate effect.
Return procedure:
- We head to the insurance company's head office;
- We are writing an application with a request to exclude the life insurance policy from compulsory motor liability insurance;
- We enclose the necessary package of documents;
- We receive a duplicate of the application signed and stamped by the insurance agent;
- We are waiting for a refund.
Is it necessary to apply for insurance for special equipment?
The law obliges citizens who own any vehicle exceeding a speed of 20 km/h to take out a compulsory motor insurance policy. Special equipment is no exception. OSAGO is mandatory, as it guarantees coverage for damage to third parties in the event of an accident if the owner is at fault.
Insurance for special equipment is also necessary, because this vehicle also travels on public roads and poses a certain degree of risk. However, there are other risks that make it worth taking out insurance for special equipment.
For all categories of vehicles, similar payment conditions apply:
400 thousand rubles, if damage is caused to the car or its parts;
500 thousand rubles to citizens who suffer as a result of an accident.
As we said above, insurance for special equipment is necessary, since it also moves on the roads with other road users. Also, insurance for special equipment is usually issued not for the whole year, as for ordinary cars, but for a certain period, since this type of equipment is seasonal.
One of the main reasons why insurance for special equipment is of the greatest importance to owners is the high level of satisfaction among this category of vehicles.
The reason for this is often the negligence of workers who, at the end of their shift, simply leave special equipment unattended and leave the site.
Moreover, most of the sites where work takes place are often poorly guarded or without security at all.
In general, it is also worth noting that insurance companies usually divide special equipment into two categories: those that participate in road traffic along with ordinary cars and those that do not go on the road.
How to cancel life insurance in Rosgosstrakh
Let's use the example of the most famous insurance company to examine in detail what to do in the case of imposed life insurance under compulsory motor liability insurance in the RGS insurance company. A person planning to buy a car insurance policy does not at all assume that without receiving his consent, the tariff will include an additional service.
But in practice, car insurance and an additional life protection policy are not uncommon. If you discover that the cost has been exceeded when you arrive home, try to quickly return to the company office or return the next day.
Gather the following documents and make copies of them:
- The “automobile citizen” itself, namely the issued form;
- Application requesting a refund due to the imposed service;
- Life and health protection policy;
- Passport;
- Personal account for transferring funds.
Having collected the above list of documents, go to the Investigative Committee office. Unscrupulous insurers do not make concessions and ignore statements from clients. But if you don’t receive a response even after submitting an application, go to a more serious authority.
For the Union of Insurers and the Central Bank, you will need a duplicate of the application sent earlier to the Insurance Company. Organizations above the insurers consider claims only after receiving a refusal from the insurance company in a request for a peaceful settlement of the current issue.
When accident insurance doesn't work
Injuries that were caused as a result of actions that are classified as criminal by law enforcement agencies and courts are not considered as NS. These include driving a vehicle while intoxicated, taking drugs and psychotropic substances, intentionally inflicting injury received during a suicide attempt. If such actions lead to death, as well as death during military operations, a nuclear explosion, etc., do not qualify as insured events.
Accident insurance rates
The insured amount is considered as a limit of liability between the insurance company and the policyholder. It involves making payments in accordance with the agreement concluded between them. With voluntary insurance, the client has the right to independently determine the amount of the insurance amount. In this case, the tariff and percentage of it are set by the insurer. The final tariff increases in proportion to the number of risks provided for in the policy.
The amount of insurance premiums is determined by a number of factors. In particular, the profession of the insurer. Because of its danger, the tariff rate increases. Lifestyle is taken into account; when engaging in hazardous sports, the tariff increases. Age is taken into account, so increased coefficients apply to children and the elderly.
The tariff rate is determined in accordance with gender. For representatives of the stronger half, after forty years of age, insurance increases. The state of health is also taken into account; those who suffer from dangerous diseases receive a significant tariff. An important point is your insurance history.
Clients who have proven themselves can take advantage of a discount from the insurance company. The number of persons who were insured is also considered. The rate is reduced based on the operation of family and corporate programs. This plan takes into account the period of insurance. It is stipulated that for the year the contract is valid, the client is given a discount on the insurance premium.
The contribution can be made immediately or in installments: every year, month or quarterly. When a contract is drawn up, all the nuances must be taken into account. They must be discussed with the insurer and the current procedure must be studied in detail.
Car insurance without life insurance
For some time now, in many areas of our country, getting car insurance has become very labor-intensive and costly for motorists. Insurance companies are reluctant to issue MTPL policies without concluding additional insurance contracts .
In case of refusal, insurers find various excuses to either force the policyholder to overpay for insurance, or force him to wait for his policy for several months under various pretexts. A motorist in such a situation has two ways out of the current situation. You can always pay the insurance company for an additional contract, losing an amount slightly less than or even greater than the cost of the policy itself. There is also another way out, the algorithm of which is to know Russian legislation and your own rights.
Almost all insurance companies provide the service of issuing compulsory motor liability insurance policies. You should be careful when choosing a company, starting with the smallest details. If the insurer offers a policy cheaper than its competitors, then you won’t be able to save money - the tariff is set by the state. It is important to know how to insure a car through compulsory motor vehicle liability insurance through government services.
A temptingly low price is a sign of a collision with scammers; it is better to avoid such companies.
Conclusions: pros and cons
Accident and illness insurance is a profitable product that will allow you to receive compensation of up to 3 million rubles in the event of disability or death. It is worth applying for it for people working in hazardous conditions, as well as the only breadwinners in the family. It is important to understand that the cost of profitable insurance policies is quite high. To avoid wasting money, it is recommended to take out an investment insurance policy.
Catalog of insurance companies in Russia
By following the link , you can see the list of insurance companies offering life, health and accident insurance services. Description of organizations, current financial indicators, ratings, reviews and other information. If you have already had a positive or negative experience with life and health insurance from any insurance company, please leave your review. Thank you!
Link again. Also, be sure to write your comment below. What do you think about the topic of this material? Or maybe you have questions? Ask!
Payments in the event of an insured event
The nature of payments specified in the contract is determined by the insured risks. When the ability to work is temporary, benefits may be awarded. Its payment is provided for every day. It is a fixed percentage of the sum insured.
If there is a total disability, insurance companies make a lump sum payment that is a percentage of the entire policy amount. It is determined according to the disability group: I from 75 to 100%; II from 60 to 75% and III – 40-50%. Payments regarding injuries and fractures are made on the basis of tables that have been approved by the company.
Who is required to have health and medical insurance?
In addition to voluntary insurance, there is also compulsory insurance. At the legislative level, it is designated as “compulsory social insurance against accidents at work and occupational diseases.” These deductions come from the salary of every officially working person, no matter in what field he is employed.
Employers make contributions. The employee himself does not need to think about insurance or arrange for it additionally. Funds under this state insurance program are paid if an insured event occurs related to work. For example, an employee broke his leg at a factory during working hours or suffered burns to his hands as a result of prolonged work with chemicals. Occupational diseases also fall into the category of insured events. These may be diseases of the lungs in people who constantly inhale toxic fumes, or diseases of the joints in those who carry heavy objects.
The amount that can be paid upon the occurrence of an insured event depends on the citizen’s area of employment. The more dangerous the working conditions, the greater the deductions and the greater the amount the employer is forced to transfer.
In total, there are 32 occupational risk classes, on which the percentage of deductions depends. For the safest category (1st) insurance deductions are only 0.2%, and for persons employed in enterprises of the 32nd class - 8.5%.
However, if the employee expects a large amount of compensation, it is better to take out additional insurance. The program provides insurance up to 3 million rubles, while government contributions are significantly lower. In hazardous enterprises, the employer may assume the responsibility for insuring employees. This type of insurance is called group insurance. Tariffs for it are much lower, and the company itself pays for the purchase of the policy, not the worker. Typically, group insurance is issued for persons in the following professions:
- police officers and other law enforcement officials;
- judges;
- firefighters;
- employees of the Ministry of Emergency Situations;
- military.
Life insurance is often asked to be taken out by borrowers who take out a loan. It is important to know that the borrower is not required to agree to this requirement. The absence of a policy is not a reason to reject a loan application.
