Key Facts
Current law states that you can only drive a car if the owner has a liability insurance policy. Therefore, registration of compulsory motor liability insurance is mandatory, unlike other types of insurance. If this rule is not followed, the driver faces administrative punishment in the form of fines, the amount of which depends on the severity of the violation.
It is important to know! Insurance is aimed at protecting the client’s material interests. However, the policy is designed to compensate for damages in the event that the owner of the car is found guilty of an accident. If there is compulsory motor liability insurance without additional insurance, the company undertakes to make payments to the injured party. The costs of the driver himself are not covered by the auto insurance policy, but they prevent material losses associated with compensation for damage.
Why do insurers impose additional services?
It is believed that OSAGO is an unprofitable insurance industry. Tariffs are low, and payments to victims were increased in 2014 to 400 and 500 thousand rubles. to cause damage to property and health, respectively. To make a profit, companies have developed a whole range of voluntary-compulsory services. These include:
- life insurance with compulsory motor liability insurance;
- legal assistance;
- departure of an emergency commissioner;
- additional insurance, etc.
The listed services are in low demand, but mean high profitability for the company.
Insurers take advantage of the fact that drivers are not aware of the real cost of the policy and do not recognize fraud, do not know where to complain about the imposition of services, do not want to incite a conflict, or want to issue compulsory motor liability insurance urgently.
Large insurers, which have an extensive network of branches, including in small towns, are especially clever in imposing additional insurance. The process of defrauding clients is put on stream, and citizens simply have no choice due to the lack of competing organizations nearby.
Additional services when purchasing MTPL
When selling policies, companies often attempt to impose third-party insurance products. The driver is told that this is necessary to ensure reliable protection against any possible cases and consequences of road accidents. In fact, the main reason is that additional services increase the cost of the policy, which is undoubtedly beneficial for the insurance company.
Along with compulsory motor liability insurance, the driver may be offered to insure:
- Life and health.
- Real estate.
- A vehicle in case of theft, accident, natural disasters, or other risks.
In addition, representatives of the insurer can force the driver to use third-party services, for example, partner car services, tow trucks in case of accidents, paid assistance from consultants or lawyers in resolving controversial issues. The number of additional offers is constantly increasing, so clients of insurance companies should be attentive and careful.
How to apply for a compulsory motor insurance policy in Moscow?
Fortunately, we are always happy to offer you the registration of a compulsory motor insurance policy in Moscow without any problems. To do this, you just need to leave a request on our website or come to our office, where we will issue you a compulsory insurance policy within one hour without any examinations or other procedures. You just need to submit or leave a request, or call or come in person. It's just one, two, three! Moreover, if you not only cannot come with your car, but it is also not possible for you to visit our office, we will send your insurance policy by courier in Moscow or by delivery service to the regions. Don’t be tormented by the question of how to get a compulsory motor insurance policy without an examination in Moscow, but simply contact. We are waiting for you!
Is life insurance a necessity?
Drivers of vehicles are required to purchase only an auto liability policy. Any additional services are purchased on a voluntary basis.
Many companies will reject your car insurance application without life insurance. In general, it is not prohibited to offer additional services, but refusing to sell is considered illegal. In this case, the driver can write a complaint or file a lawsuit. Then the insurance company will be forced to provide the client with a vehicle license without third-party products.
Often imposing additional
services for MTPL insurance occurs due to the fact that the driver is not familiar with the specifics of this procedure. Representatives of the insurance company refuse to provide the policy, explaining that it can be obtained by simultaneously purchasing unnecessary services. Most often this applies specifically to life insurance.
In fact, the driver is not required to purchase any other products. To legally drive a vehicle, an MTPL policy without additional services is sufficient.
What to do if you are denied the sale or renewal of compulsory motor insurance without additional services?
If a company providing insurance services refuses to issue you with compulsory motor liability insurance, citing the impossibility of signing an agreement without including additional services in its package, you can sue it in court. There you will demand to force her to take out insurance in accordance with clause 4 of Article 445 of the Civil Code of the Russian Federation.
The company will also have to compensate you for all losses caused, including a refund for additional insurance.
Important! Since 2014, the state has introduced fines for unjustified refusal to issue motor third party liability insurance.
Automotive lawyers also advise you to save your nerves and buy a policy on the company’s official website via the Internet. There will be no pitfalls when creating a virtual order if you fill out the document not with a broker or agent, but directly through the insurer’s special electronic form.
How to refuse life insurance and other options for compulsory motor liability insurance?
In order to issue compulsory motor liability insurance without services not included in the main document, you must perform the following steps:
- Upon receipt of compulsory motor liability insurance, write an application for refusal of services that are not mandatory for registration.
- If the insurance company refuses your request, citing any difficulties associated with this request, ask them to refuse it in writing.
- It would also be a good idea to have a family member or friend with you. When the case is brought to court, they can act as witnesses. If this is not possible, you can turn on a voice recorder or any other recording device during negotiations.
- Send a written request asking the company to clarify the terms of the contract. It is better to do this by registered mail.
- Try applying for compulsory motor third party liability insurance online.
Important! Use a trick - apply for a new document when the validity of the old one comes to an end. In the event of a dispute, you will have an additional bargaining chip because the company is interfering with your right to legally drive a vehicle.
These methods do not provide a 100% guarantee that the insurance company will not try to force unnecessary services on you. However, compliance with these points will be a significant help if the case goes to court.
Sample application for compulsory motor liability insurance without additional services
Can insurance companies sell life insurance and other commercial products?
Yes, but only until they see the client’s decisive attitude. Since a written illegal refusal of insurance can be appealed in court, you will probably be issued a policy without delay.
Is there an option to opt out?
The driver has every right to reject the offer and buy compulsory motor liability insurance without life insurance. In this case, the company is obliged to sign an agreement with the motorist. It should be remembered that the client may not be notified about additional services, but simply include another column, thus increasing the cost of insurance. That is why a person needs to carefully read the terms and conditions before concluding an agreement.
It is important to know! When purchasing compulsory motor insurance, you need to take into account the cooling period. This is a period of time during which the driver has the right to refuse the company’s services and return the deposited funds. After termination of the contract, the company is obliged to return the insurance premium. The period is specified when concluding the agreement.
Termination of a life insurance contract
If the methods listed above did not help, and you complain that you were imposed an unnecessary service, proceed with a refund. You have five days to do this from the date of signing the contract. The possibility of a refund for additional insurance should be provided for in any agreement. This is stated in the regulations of the Central Bank of the Russian Federation.
To return 1 thousand rubles, you need to fill out an application, the form of which must be given to you by the insurer. A copy of the signed agreement is attached to it.
The finished document can be submitted in two ways:
- Personally. Make sure you keep a second copy with the date of acceptance and the signature of the authorized person.
- By mail with acknowledgment of receipt. This is the most reliable method: the company will not be able to prove that it did not receive the request.
If there were no insured events during the period from the date of receipt of the policy to the moment of filing the application, the company will be obliged to return the funds to the client for the imposed service.
It is the client’s right to purchase compulsory motor liability insurance without life insurance. To avoid being deceived, study the tariffs on the market and be careful when signing an agreement. If something seems suspicious to you, contact another company that does not deceive customers.
If the insurance company refuses to issue compulsory motor liability insurance without additional services
The client retains the right to purchase car insurance without life insurance. If the company breaks the law and rejects the driver's application, he can file a complaint with the appropriate authorities. These include:
- Rospotrebnadzor.
- Federal Antimonopoly Committee.
- Central bank.
- Regional prosecutor's office.
To suppress illegal actions, it is also recommended to contact the Russian Union of Auto Insurers.
The organization holds companies involved in illegal activities accountable. Sometimes, if you refuse to issue a compulsory motor liability insurance policy without additional insurance, it is enough for the policyholder to threaten with a complaint sent to the RSA in order to receive the policy. Also, if the insurance company does not want to sell the vehicle without outside services, the driver can refer to regulatory documents. In accordance with them, the company's actions are considered illegal.
These include:
- Federal Law “On compulsory motor third party liability insurance”.
- Article 421 of the Civil Code “On Freedom of Contract”.
- Federal Law “On Protection of Consumer Rights”.
- Decree of the Government of the Russian Federation “On Compulsory Motor Liability Insurance”.
How to buy a policy without a service
Since 2014, reform of the legislation on compulsory motor liability insurance began.
The following changes have been made:
- the alternative procedure for filing an application for payment of monetary compensation has been cancelled; Now the victim is obliged to contact only his insurer in the event of an insured event;
- for insurers who entered into contracts later than August 2, the limits of insurance payments were increased;
- a special list of banks has been established in which the insurance company can store its reserve funds;
- The liability of a legal entity for imposing additional types of services has been established - 50,000 rubles .
Penalties for all indicators have become larger, but insurers continue to take risks and persuade clients to purchase additional warranty products along with compulsory motor liability insurance.
Now in the Russian Federation there are 33 regions in which there are problems with obtaining compulsory car insurance. Car owners are increasingly interested in the question of where it is profitable to take out a compulsory motor liability insurance policy without additional services.
You can use the following algorithm of actions:
- decide on the insurance company;
- fill out an application for registration of compulsory motor liability insurance with all attached documents;
- if, 20 days after the application, the company refuses to issue an MTPL policy, it is necessary to send a complaint to the Bank of Russia Department for the Protection of Consumer Rights.
When submitting an application on the Ministry of Finance website, you will need to upload copies of the following documents for forwarding to the insurer:
- vehicle owner's passport;
- diagnostic card;
- PTS;
- vehicle registration certificates;
- driver's licenses of all persons authorized to drive.
You can get an MTPL policy without life insurance from any insurer. If company employees motivate their refusal by the client’s disagreement with the purchase of additional products, the interested party can remind them of the fine paid by insurers who violated the rules of compulsory insurance.
Generally speaking, the policyholder has two options:
- contact another insurer;
- challenge the refusal of the company obligated to issue an MTPL policy.
It is necessary to fight injustice and fraud, but if there is no time for this, you can turn to another insurer.
Now there are many young companies that are trying to become prestigious in the insurance market. They can be considered as an alternative in the current situation.
Where to complain about an insurance company
The car owner decided to challenge the imposed services when concluding an MTPL insurance contract. To do this, he, with the necessary documents confirming the refusal to issue a “clean” policy and evidence of the imposition of additional. services you need to contact the following institutions:
- Central bank;
- RSA;
- Rospotrebnadzor;
- Prosecutor's Office;
- Federal Antimonopoly Service.
In order to avoid turning to these organizations for help with claims and complaints, before concluding a compulsory insurance contract, you must carefully and promptly select an adequate insurance company or apply for a motor vehicle insurance policy via the Internet.
