In the world of modern vehicle owner liability insurance, many companies, along with the MTPL policy, oblige the client to buy an additional product.
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This could be a life insurance policy or CASCO insurance, without which reliable and prestigious insurers refuse to issue compulsory motor liability insurance. At such moments, the consumer needs to be able to defend his legal rights.
What to do if the service is imposed
In accordance with the legislation on consumer protection, the insurer is obliged to issue a compulsory motor liability insurance policy and does not have the right to impose additional products on the client.
He may advise or offer to take out an additional policy that will expand your insurance options.
Refusal of insurance based on a negative response regarding the purchase of additional services will be investigated by law enforcement agencies upon application by a person who has not been issued compulsory motor liability insurance.
Despite the fact that insurance companies have repeatedly fined large sums of money, they continue to impose additional services.
This is due to the fact that prices have increased, and a regular MTPL policy today costs less than 3,000 rubles . Insurers need to increase profits, and they do this at the expense of uninformed customers.
When insurance companies push life insurance, from the outside the product may seem unnecessary. But it provides significantly more protection in the event of an accident.
Most road accidents have fatal consequences. Life insurance will significantly increase the cost of compulsory motor liability insurance, but the owner still needs to think about the feasibility of such a purchase.
Algorithm of actions when imposing an additional insurance product on compulsory motor liability insurance:
- refuse to purchase compulsory motor liability insurance and receive a written (oral reasoned) refusal from the insurance company employees;
- a verbal refusal must be received in the presence of witnesses or simply recorded on tape;
- stop driving for a while and file an application with the court, attaching evidence;
- Usually, cases of an insurer’s refusal to issue compulsory motor liability insurance are considered for two to three months;
- the plaintiff can recover amounts of material damage, lost profits and receive the long-awaited MTPL policy; the process is labor-intensive, but the size of the payments is worth it;
- receive a written refusal to issue an MTPL policy and contact Rospotrebnadzor, which will take measures to restore violated consumer rights;
- if a contract with imposed life insurance has been concluded, the person has the right to terminate it at any convenient time and recover the amount of moral and material damage incurred from the fraudulent actions of the insurer’s employees;
- contact the insurer, buy compulsory motor liability insurance on its terms and after some time terminate the additional contract on your own initiative; the advisability of this method will depend on the amount of the penalty that must be paid.
If desired, the client can contact law enforcement agencies with a statement of refusal to issue compulsory motor liability insurance.
Termination of the contract and refund of funds for insurance
Sometimes a person learns about the imposed life insurance service after he has taken out car insurance. This is not scary, because you can refuse it if you act promptly and correctly.
You need to contact the insurance company and write an application to cancel life insurance. The application is very simple to complete, and an example can be found on the Internet. The application must be filled out in 3 copies. In order to terminate a life insurance contract, you must have evidence of imposition of the service. For this reason, we recommend that you always record all conversations on your phone or voice recorder.
In addition to the application, you will also need to submit the following documents:
- passport;
- documents for the car;
- driver's license;
- diagnostic card.
You need to submit copies, not originals. There is no guarantee of a refund, but in most cases it is possible to terminate the contract. Let's say that you were denied this. You must request an official written refusal and inform the insurance company employees that you intend to go to court and assert your rights.
Is life insurance necessary?
All owners of land vehicles must obtain a compulsory motor liability insurance policy. For evading insurance, a fine of 800 rubles has been established.
In addition, if road service workers find out that the car owner is driving without compulsory motor insurance, they will take away the license plates and the opportunity to drive will appear only after taking out insurance.
You must not only take out an MTPL policy, but also have it in the car. For driving without an MTPL insurance certificate, the owner of the car and the person authorized to drive will also be fined.
Life insurance in this case is an absolutely optional product. It will help expand insurance opportunities, but is not a mandatory government guarantee.
In order to avoid fines and other material penalties, the vehicle owner is obliged to take out only a compulsory motor liability insurance policy, which will become the guarantee of payments and compensation to victims in the event of a road incident.
Life insurance is taken out at will and if financial capabilities are available, since all these policies are quite expensive.
How to check the OSAGO insurance policy of the Alfastrakhovanie company for authenticity, find out in the article: OSAGO Alfastrakhovanie. The rules of MTPL insurance at VSK are discussed on this page.
How to get money back for imposed life insurance under MTPL
The return procedure must be initiated by the policyholder by submitting an application, which is drawn up in triplicate. Documents proving that the service was imposed are attached to the request:
- video confirmation;
- audio evidence;
- witness statements with signatures.
In addition to the application for refusal of life insurance under compulsory motor liability insurance, the following documents are attached::
- passport details;
- copies of STS/PTS;
- a copy of the diagnostic card;
- copy of the driver's license.
A copy of the agreement with the details where the funds should be transferred is attached to the form.
The letter is sent by registered mail with acknowledgment to confirm that it was delivered on time. Personal delivery of the appeal is also possible, but it is recommended to write another copy to indicate on it that the original was received.
After the insurance company receives an application, in 70% of cases the insurance company makes concessions and the money is returned within 10 days from the date of the decision.
But there are some nuances. If the insurance contract has not yet entered into force, the money will be returned in full. If the client missed the “cooling-off period” of 5 days, the insurance organization pays only that part of the funds that was not used according to time accounting.
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.
Amendments to car insurance legislation
After its entry into force in 2003, the Law “On Compulsory Motor Liability Insurance” has undergone a number of changes, making insurance conditions more convenient for vehicle owners. But, both in its original form and after changes were made, there is no provision in it as to whether life insurance for the driver is mandatory when purchasing compulsory motor liability insurance.
Related article: OSAGO reinsurance
The main provisions in the latest version of the law are as follows:
- validity period of standard and transit policies - 3-12 months/20 days;
- coverage for equipment and health - 400/500 thousand rubles;
- fine for lack of document - 500/800 rubles;
- single tariff corridor;
- application of a number of coefficients;
- the possibility of purchasing from any company, regardless of place of residence and registration;
- drivers' interest in careful and safe driving;
- frequency of car use;
- companies have an appropriate license;
- compensation in kind;
- financial liability for imposing additional options;
- the ability to drive up to 10 days after purchasing the vehicle;
- equal legal force of paper and electronic policies.
Note! Car insurance rules are regulated by the Central Bank of the Russian Federation. Any number of drivers can be included in the contract, but there is no provision in the regulations regarding whether life insurance is mandatory when insuring a car.
OSAGO prices without life insurance
The cost of compulsory motor liability insurance without life insurance is presented in the following table:
| Insurance conditions | UralSib Insurance | Liberty Insurance | Tinkoff | RESO-Garantiya |
| Passenger car, engine power – from 100 to 120, period of use – 10 months or more, multi-drive | 11,120 rubles | 11,120 rubles | 11,120 rubles | 11,120 rubles |
| Passenger car, engine power – from 70 to 100, period of use – 10 months or more, multi-drive | 10,193 rubles | 10,193 rubles | 10,193 rubles | 10,193 rubles |
| Passenger car, engine power – up to 50, period of use – 6 months, multi-drive | 3,892 rubles | 3,892 rubles | 3,892 rubles | 3,892 rubles |
| Truck (less than 16 tons), engine power from 100 to 120, period of use - 6 months, multidrive | 6,633 rubles | 6,633 rubles | 6,633 rubles | 6,633 rubles |
| Truck (over 16 tons), engine power from 50 to 70, period of use - 10 months or more, multi-drive | 15,163 rubles | 15,163 rubles | 15,163 rubles | 15,163 rubles |
When forming the table, the following initial data were used:
- the place of registration of the vehicle owner and purchase of the policy is Moscow;
- the minimum age of persons allowed to drive is 23 years;
- Minimum driving experience is 5 years.
Obviously, it is better to buy insurance for a period of more than 10 months. When renewing the policy, the owner who receives MTPL for 6 months will lose about 3,000-4,000 rubles . Even when purchasing a multidrive product, it is better to allow persons over 25 years of age to drive.
OSAGO without life insurance is mandatory. Insurers do not have the right to force the purchase of a life policy. This can be regarded as a violation of consumer rights.
Insurance company employees can only offer to familiarize the client with existing offers. Everything else can be regarded as an inducement to purchase additional services.
If a potential policyholder submits evidence to the court regarding a deliberate, unreasonable evasion from issuing a simple MTPL policy, he can count on compensation, the minimum amount of which will be 50,000 rubles.
How to reduce the cost of an MTPL policy, read the article: cost of MTPL. How to assess damages to MTPL, read here.
You can find out what KBM OSAGO is in this article.
