6 reasons for terminating the MTPL contract and returning money for life insurance

• Application form for termination of compulsory motor liability insurance: features
• Filling rules
• Free-form writing
• List of applications
• How to apply
• Refund period
• Let's sum it up
• Sample documents for downloading

Situations when it is necessary to terminate a compulsory car insurance contract do not occur so often. Therefore, most drivers do not know how to return money for an unused period and whether this can be done. Let's consider how an application for termination of a compulsory motor liability insurance contract is drawn up, the procedure for submitting it to the insurer, the time frame for consideration and other features of canceling a mandatory policy.

Application form for termination of compulsory motor liability insurance: features

Early cancellation of compulsory motor liability insurance may be necessary for various reasons. Most often, this is necessary when selling a car, when the insurance object ceases to belong to the policy owner. The agreement may also be terminated due to:

• loss or destruction of a car;
• death of the owner or policyholder (if this is not the same person);
• liquidation of a legal entity on whose balance sheet the insured car was located;
• loss of license by the insurer.

In addition, the driver may decide to terminate the relationship with the insurance company if the latter:

• does not provide sufficient quality service;
• delays payments or unreasonably refuses them;
• treats customers disrespectfully, etc.

Thus, there are many reasons for canceling a policy, but it is important to understand that all of them must be justified.

Insurance companies usually provide a form that you simply need to fill out to refuse the service. The application for early termination of the MTPL agreement consists of 2 parts, one of which is filled out by the driver, and the second by the insurance agent.

The policyholder section, in turn, consists of 3 standard parts:

• introductory;
• basic;
• final.

In the first (introductory) you need to indicate the details of the parties:

• insurance company: name, name of the employee receiving applications and legal address;
• policyholder: full name, policy and passport details, car details.

This also includes:

• document's name;
• introduction (repetition of full name and requirement to terminate the contract).

Next comes the main part, which states:

• reason for cancellation of the agreement;
• request for a refund for the unused period;
• details for transferring the balance of the insurance amount (if it is not issued in cash).

Note! It is not enough to indicate the card number in the bank information field. It is necessary to provide full details with the name of the bank, BIC, INN, correspondent, current and personal accounts.

The final part of the application for cancellation of the MTPL policy states:

• confirmation of the accuracy and completeness of the provided data;
• date and signature of the applicant.

The other part of the document is filled out by an employee of the insurance company, who puts:

• date of acceptance of the application for early termination of the insurance contract;
• amount to be paid;
• your data (full name);
• signature.

An example application can be viewed here.

Reasons for termination of the MTPL agreement

The agreement concluded between the insurer and the policyholder can be terminated . The reason for cancellation is usually one of the following circumstances.

Termination of contractual obligations for reasons beyond the control of both parties.

These may be:

1. death of one of the parties to the agreement;
2. liquidation of the insurance company;
3. impossibility of restoring a vehicle after an accident or other incident;
4. theft of an insured car.

You can cancel your MTPL policy if the document initiated by the policyholder is terminated if:

• the insurance company's license was revoked;
• there has been a change in ownership of the vehicle.

At the request of the insurance organization, the contract is subject to termination in cases where the car owner provided inaccurate information when drawing up the papers.

Expert opinion

Maria Skoraya

Insurance expert

OSAGO calculator

The funds spent on insurance are returned when the owner of the vehicle changes, the death of the owner or policyholder, or the complete loss of the vehicle.

Filling rules

When filling out an application for cancellation of a mandatory “vehicle license”, you should adhere to the standard rules of business correspondence:

• eliminate errors and corrections;
• check with the policyholder whether handwritten applications are accepted (if not, print the application);
• Use standard blue or black ink.

Before sending an application to the insurance company, it is worth finding out whether there are any additional requirements that need to be taken into account when drawing up the document.

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They even have a problem setting up a personal account; I managed to do it a day later.

This error indicates that the form is not configured to work with the database. This is all FICTION. And you can trust me as a technical specialist.

We inform you that the acceptance of documents for termination of insurance contracts (both CASCO and MTPL) with the return of the unused part of the insurance premium by transfer to the bank details of the Policyholders is carried out only at agencies or at the Central office of RESO-Garantia Insurance Company.

To receive the unused portion of the insurance premium in cash, please send the Policyholders to the company's offices at the following addresses: st.

In this case, it is necessary to remember the time limit. Policies with these benefit limits were only valid until 2014. Subsequently, the amount of payments was increased to that indicated above.

But it should be remembered that the cost of services has also increased - despite the fact that the base rate has remained virtually unchanged. The price of the policy increases due to the imposition of various additional services.

The size of the base rate depends on a large number of different factors. The most important is the emergency coefficient. The size of this bet directly depends on it.

If you want to terminate the current CASCO insurance contract, you need to take the following steps: 1. Carefully study the contract and insurance rules. Make sure that the contract and insurance rules provide for the return of funds paid for insurance in case of early termination of the contract.

In particular, the insurance rules of a significant part of companies provide that the insurance company does not return the balance of the insurance premium for the unexpired term of the contract.

You should determine the moment when it is better to terminate the insurance contract.

We inform you that the acceptance of documents for termination of insurance contracts (both CASCO and MTPL) with the return of the unused part of the insurance premium by transfer to the bank details of the Policyholders is carried out only at agencies or at the Central office of RESO-Garantia Insurance Company.

To receive the unused portion of the insurance premium in cash, please send the Policyholders to the company's offices at the following addresses: st.

Terminating the insurance contract and receiving the remaining amount of money is not advisable in all cases.

For policyholders who will still be taking out new insurance and using the car in the future, it may be more profitable to wait until the end of the contract.

This is especially true in cases where the policy is about to expire.

The benefit is that, as an incentive for accident-free driving, the driver is awarded a BMC (bonus-malus coefficient), thanks to which he can receive a discount on the next policy.

Therefore, one should expect a refusal of any payments on her part. And there’s nothing you can do about it, because this norm is enshrined in the Civil Code of the Russian Federation (Article 958).

According to the provisions of this article, if the policyholder cancels the insurance contract ahead of schedule, then all premiums paid will not be returned to him.

In any of the companies, for example, Reso, Ingosstrakh, Rosgosstrakh, termination of the MTPL agreement can be carried out.

But to do this, the insurer needs to perform a number of actions:

1. Analyze whether there are any reasons for terminating the contract.
2. Collect the required documentation package, which may differ for each specific case.
3. Contact the insurance company and file an application for termination of the MTPL agreement.
4. Submit an application to the policyholder.
5. Wait for an answer. If it is absent or refused, begin the next stage, that is, the trial.

If the insurer has grounds for terminating the contract, but the policyholder refuses to do so, then the dispute can be resolved in court.

Before filing an application with the court, it is better to analyze in what cases this agreement can be terminated.

To do this, it is worth studying the contract, insurance rules, as well as current legislation. The MTPL agreement form can be downloaded here.

If in a particular situation termination of the contract is possible, it is recommended to apply to the court with a corresponding statement of claim.

It will be necessary to prepare a copy of each document, primarily the policy, and also pay the state fee.

Free-form writing

The law does not establish a mandatory application form for early cancellation of insurance. Therefore, drawing up a document at your own discretion will not constitute a violation. However, it is advisable to check with the insurance company in advance about the availability of an approved standard form in order to avoid disputes and delays in payment.

If the driver still wants to fill out the application on his own, you need to take into account that it must contain:

• details of the insurance company and the employee receiving the document;
• personal information about the applicant, including passport details;
• information about the insured car;
• details of the policy that will be cancelled;
• Bank details;
• requirement to terminate the contract indicating the reason;
• other information required by a specific insurer;
• date and signature of the applicant.

If you wish, you can always use a sample, which, as a rule, is available in any insurance company.

Note! If the reason for termination of the agreement is the sale of a car, which is transferred to the buyer along with the policy, it is necessary to indicate that non-payment is required, but re-issuance of compulsory motor liability insurance.

Who to file with the insurance company

Once you already have the necessary documents and have drawn up the appropriate application, you can contact the insurance company with a request for a refund due to termination of the contract under compulsory motor liability insurance.

The insurance company should submit a request to the authorized manager, who will transfer the received documentation to the company’s lawyer.

He will also check the authenticity of the official papers provided, after which a verdict will be made on the possibility of terminating the contract under compulsory motor liability insurance or on its transfer to other persons after the sale of the vehicle.

The manager will provide permission to terminate, which is then transferred to the cash desk, where payment is made. Otherwise, you will also have to contact your bank representative, where you will receive the money due to you.

List of applications

When filing an application for early termination of a contract with an insurance company, it is necessary to prove that the grounds for such a request are legal. To do this, please attach to your application:

• a copy of your personal passport (page with basic information and registration);
• original vehicle license;
• receipt for payment of the insurance contract;
• a document confirming the specified basis for termination of the insurance relationship.

The last document listed may be:

• a copy of the purchase and sale agreement;
• a copy of the disposal certificate;
• certificate of deregistration of the vehicle;
• certificate of liquidation of a legal entity;
• a copy of the death certificate of the car owner. In this case, you will additionally need documentary evidence of inheritance certified by a notary. It should be borne in mind that cancellation of the contract and receipt of payment is possible only after the entry into rights (usually six months after the death of a person, if there are no property disputes).

Depending on the requirements of a particular insurance company, you may additionally need:

• a copy of the title indicating the new owner of the car;
• a copy of the card to which the transfer will be made, etc.

The final list must be clarified with representatives of the insurance company.

How to correctly fill out an application for early termination and indicate the reason

Let's look at how to fill out the application correctly:

1. If the owner of the vehicle has changed. In this case, we provide a purchase and sale agreement. The insured person no longer needs a policy for this vehicle.
2. Loss or destruction of a vehicle. This subsection includes cases of theft or damage, after which the car is not subject to further repair. We need official papers that will confirm the process of destroying the damaged vehicle.
3. Death of a car owner. In this case, the owner of the car will change. They will be the heir, and the previous insurance contract will lose legal force. But to permanently terminate the agreement, you will need to bring a death certificate of the previous insured person
4. If a legal entity is liquidated and the insured vehicle is on the balance sheet. The contract will become invalid, because the transaction will lose one legal party.
5. The insurance company loses its license. The most controversial case does not always end with compensation, especially if the insurer is officially declared bankrupt.

An alternative would be to sell the vehicle together with an MTPL insurance policy. Then you will need to re-issue the existing contract, possibly without any additional payments.

When submitting an application to an insurance organization, we advise you to use certain cliches so that the document is not returned.

As an example, we give the following standard wording: “I inform your organization that, according to paragraph 33 of the approved rules of OSAGO... insurance agreement number... is terminated in advance due to the untimely death of the car owner.
We ask you to return part of the unused insurance payments within the period specified in the rules, paragraph 34...” We also recommend using the following common phrases and expressions: “terminate the contract”, “I hasten to notify”, “the contract expires”, “according to the clause specified in the rules”, “I have a legal basis to demand early termination of the contract” and others.

How to apply

The procedure for submitting an application is standard - in person or by mail. The first option is preferable, since the employee receiving the package of documents will immediately check the presence of all papers and their compliance with the requirements. This will reduce the time it takes to receive funds.

So, the algorithm of actions for canceling a compulsory motor vehicle license is as follows.

1. Writing an application and collecting the necessary documents.
2. Handing over a package of papers to an insurance company employee.
3. Verification of documents and their acceptance.
4. Verifying the authenticity of the information provided (for example, a certificate of liquidation of a legal entity).
5. Payment at the IC cash desk if payment is made in cash.
6. Receiving money on a card or through a bank cash desk if a transfer is made.

How to terminate an MTPL agreement early: step-by-step instructions

Due to the termination of the cooperation agreement with the insurance company, the car owner can count on receiving payments for the entire period remaining until the expiration of the agreement. 23% is automatically deducted from the amount received.

20% goes to cover the organization’s expenses, and 3% is used to generate funds for the Union of Russian Insurers.

77% of the total amount is used to form insurance reserves.

So, sometimes it is necessary to terminate compulsory insurance. These can be not only objective, but also subjective reasons. The process of terminating the contract itself is simple. Problems can arise only if the parties disagree on some issues. Let's figure it out in order.

Step one - submit documents

To terminate the contract early, you will need to visit the office of the company with which it was concluded and provide a package of documents. It is better to write an application directly in the office, although you can do it in advance.

The insurance company must decide whether to pay or refuse, explaining the reason. Don't agree with the refusal? You need to complain to the RSA, and then to the court.

Step two - obtain insurance information

Within five days, the insurance company will issue you “Information on Compulsory Insurance,” which will contain basic information on the former insurance. This paper may be useful the next time you apply for insurance.

Step three – we receive part of the insurance payment

If in your case the payment is due, it will be transferred to your current account or issued in person at the cash desk no later than fourteen days after submitting the application.

Refund period

In accordance with current legislation, the insurer is obliged to make payment within 14 days after accepting the application for termination of the contract. If there is a cash payment, the money can be received immediately on the day of application (if document verification does not take much time).

It is important to consider that funds are returned only for the unused period, minus the costs of services provided.

• If the policy is canceled at the request of the driver (for example, when selling a car), then the starting date will be the day the application was accepted.
• If the basis is the events specified in clause 33 of the Law on Compulsory Motor Liability Insurance (death of the owner, theft, theft), then the countdown date will be the day when this event occurred.

To whom and when is the money paid?

Most often, the money is returned immediately after submitting the appropriate application. If the amount is transferred to a current account, then this procedure may take a period of time equivalent to 14 days from the date of submission of the application. Before you return money for compulsory motor liability insurance, you should familiarize yourself with the list of those to whom it can be transferred:

• owner of the vehicle;
• heirs of the deceased policyholder;
• the policyholder, if he is also the owner of the car;
• the policyholder, if a power of attorney from the owner of the vehicle for the right to receive funds.

Provided that the car is sold under a “general power of attorney”, but legally the previous owner remains the owner, you can simply add the new owner to the insurance policy. It is quite possible that you will not even have to terminate the contract.

If, after a two-week period of time, the corresponding payment has not been made by the insurance company, then first you should contact the central office of the insurer. It is possible that the money is stuck at the accounting level. If the payment has been made, then the logical solution would be to re-check your own account.

However, there are situations in which the insurance company refuses to make payments. In this case, you should prepare a photocopy of the policy and a statement of its termination, and then go to the Union of Russian Insurers. This organization regulates the activities of insurance companies, so it can influence insurers.

Funds upon termination of the policy are paid:

• the policyholder (note, not the owner, if the owner is not the policyholder);
• to the authorized representative of the policyholder (the power of attorney must be certified by a notary);
• heirs in the event of the death of the policyholder.

Let's sum it up

The driver can terminate the agreement with the insurance company and return funds for the unused period if the grounds for cancellation are legal.

Features of early termination of the MTPL agreement:

• carried out on the basis of an application submitted by the driver;
• the application form is not established by law, but the insurer may have its own approved form;
• the petition consists of an introduction, main part and conclusion;
• the application must contain comprehensive information about the applicant, the policy being cancelled, the insured car, the basis for termination of the contract and the amount of payment;
• the application can be filled out in free form if this is allowed by the insurer (but taking into account the content requirements);
• The application must be accompanied by the original of the motor vehicle license and a receipt for its payment, a copy of the passport and a document justifying the termination of the contract;
• the application can be submitted in person or by mail;
• funds are returned for the unused period minus the costs of providing insurance services within 14 days from the date of acceptance of the application (if the initiative comes from the driver) or the day on which an event occurred requiring cancellation of the policy (the car was stolen, the owner died, etc.). d.).

Thus, early termination of the agreement with the insurance company is not difficult. The main thing is to fill out the application correctly and attach all the necessary documents. If the reason for termination of the contract is legitimate, and the insurer does not agree with this, you can file a claim in court and additionally receive compensation for each day of delay in payment.

If the money doesn't come

If you are refused by MTPL, you must obtain a written certificate. Oral evidence will not help you prove your case.

Alternatively, you can record all interactions with the agent.

Payment terms

Termination

If you have completed the application in accordance with all the rules and provided evidence of serious grounds for terminating the contract, then the insurer is obliged to return the money.

Therefore, the state is striving to reduce the number of uninsured drivers to zero by limiting their right to receive money for policy surrender.

Termination when selling a car

Is it possible to get a refund when selling a car? If you decide to sell the car, then the MTPL agreement must be terminated, because the owner changes, which means that the new owner may not be identified in the traffic police database and will be subject to fines.

You need to go to the office with a passport, documents for the car (registration certificate, driver's license) and write a statement about terminating the policy. You need to have with you a compulsory motor liability insurance policy and a recently executed purchase and sale agreement for a new person, which will be considered the basis for termination.

You may also need a copy of the title with a note about the new car owner.

Insurance is an integral part of modern life. Today, more and more insurance companies are appearing that offer both comprehensive services and separate categories of services for their clients. Insurance is used everywhere - in medicine, in policies for car owners, property insurance is common, as well as life insurance.

One of the most famous companies is Rosgosstrakh.

If the vehicle is sold, the policyholder is interested in contacting the insurance company as soon as possible in order to write an application for termination of cooperation. This is due to the fact that the money is returned not from the moment the purchase and sale agreement is signed, but from the moment the statement of intention to terminate cooperation with the insurer is submitted.

In the event of the death of the policyholder, the date of termination will be considered the date of death, so there is little point in rushing.

For each day of delay, penalties are assigned in your favor - 1% of the insurance premium. The simplest reason for this could be an unintentional delay, for example due to technical reasons or accounting problems. In this case, the issue will be quickly resolved with the insurer.

Sometimes the insurance company refuses to pay. If she does not explain the reasons, or you consider them to be illegal, you should complain about her to the Russian Union of Insurers, attaching a copy of the policy and a statement of termination of the contract to the application to the RSA. If the RSA does not satisfy your claim, go to court.

Often, these types of applications are processed immediately, and the payment of unused insurance premium is made immediately from the insurance company's cash desk. If cash payment is not provided, the insurer will ask for bank account details. In any case, the company has 14 days to make the payment. The period is counted from the date the client contacts the insurance company.

The insurance premium is paid based on each unused day of insurance minus 23%, of which 20% are the insurer's expenses, and 3% are mandatory contributions to the RSA. It should be noted that the issue of withholding this amount is controversial, since this is not directly stated in the law. In practice, many car owners managed to challenge such actions of insurers in court and seek the return of the withheld 23% of the insurance premium.

How to terminate the MTPL contract and return the money if the insurance company has not made the required payment within the prescribed period? You need to contact the company office in case the delay is due to a staff error. If you have not received clear explanations and help in solving the problem, contact the branch management with a pre-trial claim. Next, it is recommended to send the complaint to the RSA and the FSSN. Then prepare a statement of claim and submit it to the court at the location of the defendant.

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Refund upon termination

To terminate the contract and return the funds, it is enough to write a statement.

statements

But you should not expect a refund of the full amount: the calculation is made using a special formula. If the driver drives the car for 4

The payment period does not exceed 14 calendar days . The countdown begins from the day the application is submitted to the insurer or from the day of death of the car owner or vehicle.

When calculating payments, deduct:

• 3% — to the fund of the Union of Auto Insurers;
• 23% - current expenses.

Therefore, the client receives not 100% of the remaining amount, but 100% – 23% = 77%.

Also, after cancellation of the contract, the car owner is given a certificate indicating: all payments, information about all insurance cases, funds paid for repairs. Only after this the funds are transferred to the insurer’s account.