Sample application for compulsory motor liability insurance without additional services

Sample application for compulsory motor insurance without additional services

Hello, in this article we will try to answer the question “Sample application for compulsory motor insurance without additional services.” You can also consult with lawyers online for free directly on the website.

To fill out the application form, you will need to have a passport in hand, since the form will need to indicate your full name, series and number of the passport and registration address.

This behavior of insurance companies causes a lot of discontent and indignation, but the situation does not change in any way, despite the interventions of prosecutors and judicial authorities.

The sooner we take action, the better. For example, a month before the expiration of the current policy.

Options for refusing to deposit additional amounts

Any insurance company can issue such a policy with no additional life insurance payment.

What if you try to contact an agent instead of the office? As a rule, it is not more expensive, but the agent will not overcharge you.

Compare policy costs from different companies, read reviews and look at company ratings, including insurance claims.

Only in January of this year, more than 20 citizens (in 2013 - more than 100) contacted the Department with complaints about the imposition of additional life and health insurance against accidents, etc. when applying for an MTPL policy, and those who do not want to use additional paid services are denied the conclusion of this agreement .

If you specify a specific period of time, then in this case you can save a certain amount of money on insurance. But you will only have to operate the car for a specified period of time.

The insurance company must respond within 30 days. As a rule, the insurer responds earlier or does not respond at all. The countdown begins from the moment you received notification of receipt of the letter by the insurance company.

Quick and easy, just pay money. Even a diagnostic card will be printed out for you on luxury paper in a few minutes. All they have to do is enter data about the car being diagnosed.

If the insurer refuses to conclude a contract of compulsory insurance of civil liability of vehicle owners, the protection of the violated right can be carried out within the framework of civil proceedings. In this case, each party must prove the circumstances to which it refers (Article 56 of the Civil Procedure Code of the Russian Federation).

Who to file with the insurance company

An alternative option is to send a complaint to the Central Bank, which also regulates the legality of compliance with insurance legislation.

Compensation for damage caused by a road train as a result of an accident. Collection of insurance payment under two policies...

Why did you make such a mess? Everything was beautiful!” She blinks her eyes and babbles some kind of nonsense. What will you do to her? She does not bear any responsibility for her body movements.

The application for concluding a public contract consists of three sheets of A4 format, in which it is necessary to indicate personal data, data on the car, and also, in the case of limited insurance, data on persons authorized to drive.

How to refuse life insurance when applying for compulsory motor liability insurance

In accordance with Art. 426 of the Civil Code of the Russian Federation, a commercial organization’s refusal to conclude a public contract if it has the opportunity to provide the consumer with the corresponding services is not allowed.

Therefore, the insurer’s refusal to issue a policy without additional services is illegal, and imposing additional services on the client is also illegal.

In fact, no staples squeezed with pliers, however, nor a detailed listing in the appendix, can save those girls who sit on these “pieces of paper” and rearrange them at their discretion, losing individual documents in the process, from the frivolous stupidity.

It is unlikely that it will be possible to convince only an agent who works on commission and has clear instructions regarding “load” services to sell only OSAGO. Therefore, if you decide to defeat an insurance company that does not sell MTPL, you need to think through your tactics in advance.

Obtaining an MTPL insurance policy is a mandatory procedure for every Russian motorist who intends to use the vehicle for its intended purpose. OSAGO insurance is regulated by law, and drivers do not have the opportunity to refuse the policy.

When calling the central office, the manager claims that he cannot explain anything about this. Where to contact?

The body of the application indicates the number of the MTPL agreement with the imposed service and the facts proving its unauthorized conclusion.

If the car is old and in poor condition, it is worth taking out insurance without wear and tear, and if the car owner is transporting valuables, it is worth taking out property insurance.

The same applies to vehicle drivers: without a valid MTPL policy, operating a vehicle is prohibited by current legislation.

Registration of a policy without additional services

To purchase an MTPL policy, you must enter into an appropriate agreement with an insurance company and pay a certain amount of money. Lawyers constantly monitor changes in legislation, analyze judicial practice, and the specifics of resolving various disputes.

Download the application form for compulsory motor liability insurance 2018 - how to write an application for insurance under compulsory motor liability insurance and what is the period for its consideration?

In paragraph 1, we indicate the full name, date of birth, series and number of the identification document, registration address, telephone number and the period for which the policy will be issued.

Sample application for MTPL by mail

The fifth point is special information. As a rule, the operators themselves make notes in them. But the line below includes the series and number of the newly issued policy. Next is your signature, its transcript and the date of filling out the application.

According to paragraph 2 of Article 16 of the Law of the Russian Federation “On the Protection of Consumer Rights,” it is prohibited to condition the purchase of some services on the mandatory purchase of other services. Refusal of an additional service should be completed with a corresponding application in two copies, one of which should be given to the insurer (a sample application can be downloaded HERE).

After showing the postal notice that the request was made a month ago, the insurer stated that it must inspect the car (has the right). However, there are no persons conducting the inspection procedure at the moment (a very common trick).

Let's say that you decide to apply for compulsory motor liability insurance at Rosgosstrakh. When contacting a branch of an insurance company, you need to prepare the following documents: You can download the application form for compulsory motor third party liability insurance (MTPL) insurance below or obtain it from the insurance company you decide to contact.

The state machine is able to protect the right of a citizen only when there is evidence of a violation of such a right. Now we will look at how to prove the refusal of an insurance company to issue a policy or the imposition of an extra servant.

When contacting the insurer, you must provide him with a certain package of papers. The list of documents can be divided into two parts, highlighting mandatory and additional ones, which the insurance company may request separately. The list of required papers differs depending on the owner of the vehicle: a legal entity or an individual.

How to apply for compulsory motor liability insurance without additional insurance. What services the insurance company can impose and how to refuse them. With open insurance there are more risks, because it is impossible to predict in advance which driver will be behind the wheel. Accordingly, open MTPL always costs significantly more and is calculated according to maximum parameters and with increasing coefficients.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

In particular, the current legislation states that in order to conclude an insurance contract and to purchase a compulsory motor liability insurance policy, you must first submit a corresponding application and the necessary documents.

No later than ten days after purchasing the vehicle, a person must take out a compulsory motor liability insurance policy, choosing an insurer of his own free will.
The insurer has the right to consider the application within 14 days. You are unlikely to receive a refusal. The likely development of events: either the insurer will immediately give up and actually send a courier with the policy, or will ignore the application.

What are the additional services to the MTPL policy and how can I get insurance without them?

No matter how strange it may sound, there are good reasons for the imposition of additional services by insurance agents when applying for compulsory motor liability insurance. After all, since 2003, the cost of a vehicle has not changed, and inflation in the economic market is quite unstable. In turn, the stability of the cost of compulsory motor liability insurance over such a long period can only bring losses for insurance organizations.

Also an important fact is the dependence of the wages of insurance agents on the amount of the check, which accordingly makes specialists want to increase the amount of sales. What are additional services when applying for an MTPL policy and how to refuse them, as well as where to purchase this insurance product without imposing additional ones, we and talk to you today.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, just call, it’s fast and free!

What does it mean when taking out insurance?

Let's first look at the list of the most popular additional services that insurance agents try to sell when taking out a compulsory motor liability insurance policy:

Client health and life insurance. Read about how to buy an MTPL policy without life insurance here.
Payment of insurance compensation without taking into account wear and tear.
Emergency commissioner services.
Vehicle evacuation.
Legal support.
DSAGO.

These are the most popular additional services offered by insurers, but in fact the list is more extensive and tends to increase, because more and more new insurance services are appearing that can be offered, and in some situations, imposed on the client.

Is it possible to purchase a policy without additional services?

Driver liability insurance in Russia is quite strictly regulated through legal acts. According to the “Law on Compulsory Motor Liability Insurance”, as well as the “Law on the Protection of Consumer Rights,” insurance organizations do not have the right to impose additional types of insurance and services on their clients when drawing up a Compulsory Motor Liability Insurance agreement.

Additional services can be used only as options, but cannot in any way be integrated with a compulsory insurance contract, since compulsory motor liability insurance is a separate insurance product.

Despite the fact that compulsory motor liability insurance without additional services is the standard, as stated in the current legislation, some insurance companies still violate the law and refuse to sell policies to their clients under a plausible pretext (the program has frozen, they have run out of forms, etc.).

Where can I get insurance without additional charges?

On the Internet you can look at the ratings of insurance organizations ; there are several classes of reliability, starting from A++ (very high level of reliability) and ending with E (for companies whose license has been revoked). Accordingly, when deciding where it is better to purchase an auto liability policy, it is best to focus your choice on companies with a high reliability class.

Consumer reviews about one or another insurance company can also help you make your choice. Today, it is also possible to draw up an insurance contract online on the websites of insurance companies. The entire list of insurance organizations that provide this service can be found on the official website of the RSA. In the case of car insurance via the Internet, the client will be spared the delays associated with the imposition of additional services, since the insurance company simply does not have the opportunity to influence the client with this insurance option.

How to get such a policy - detailed instructions

Most likely, you are well aware of where this or that insurance company is located in your city. However, if you contact several of them, you may be faced with the imposition of additional insurance products when concluding a contract. Of course, you can go around all the insurance companies located in your region and find one that concludes MTPL agreements without additional fees, but this is not the only way out of the situation.

And it may turn out that the base tariff rate in an organization that insures under compulsory motor liability insurance without additional services is higher than that of its competitors. What to do in this case? In order to draw up an agreement and not overpay for imposed services, you should prepare before visiting the insurance company of your choice.

Before logging into the IC, you should enable audio or video recording mode on your phone. You will need such a record if you have to prove that the employees of this insurance company are acting illegally. It would also be useful to invite a couple of witnesses with you, who, if anything happens, will be able to confirm the illegality of the actions of the Investigative Committee employees.
Next, you should contact an insurance company employee with a request to calculate the insurance premium for compulsory motor liability insurance.

Such an application will be considered from 1 to 30 days.

However, during this period you will have to do without an MTPL policy.
If you are satisfied with this situation, then you can safely write a statement. And finally, having in hand evidence regarding illegal actions on the part of the insurance company, you can send a complaint to the RSA and also to the Central Bank of the Russian Federation. In this case, the company that violated the law will be subject to thorough inspections, and you, in turn, will have the opportunity to apply for compulsory motor liability insurance without additional costs.

To avoid such disputes with the insurance company, experts advise applying for e-MTPL, since no one will be able to impose additional services on the insurance company’s website and you will not only save your personal time, but also save your money.

How to write a refusal application?

In the event that the insurance company you have chosen refuses to issue an MTPL policy without purchasing additional services, it is recommended to write the appropriate application to refuse them. Such an application form can be obtained either at the IC office or downloaded on the Internet.

Insurance company employees are required to accept the client’s application, and then notify the Central Bank of the Russian Federation and the Union of Insurers about this. If insurance employees refuse to accept your application, you should receive a written refusal, which you can then send with a complaint to higher organizations.

You can also refuse additional services after they have been purchased. However, in this case you will have to provide evidence that these services were imposed on you.

The signature and date of the document is placed at the bottom. The employee accepting this document is required to mark the date of its acceptance and put his signature on your copy. If the client plans to go to court in the future, the application should be drawn up in triplicate.

Most often, when submitting such an application, insurance companies back down and issue the client an auto liability agreement without additional services.

Registration procedure via the Internet

Since January 1, 2017, insurance companies that provide services for issuing MTPL policies are required to provide this service in electronic format. Today, electronic policies are issued by more than 60 insurance organizations. When you sign up for a contract online, you get the following benefits:

You have the opportunity to use a calculator with which you can easily calculate the amount of the insurance premium.
The policy registration procedure takes no more than 10-15 minutes.
You can complete the contract at any time convenient for you.
There is no need to go to the insurance company and wait in line waiting to see a specialist.
You can conclude an agreement without additional services.
You have the opportunity to pay for insurance in any way convenient for you.

Next, you will need to fill out a special form. The program will independently check the correctness of the data you entered by checking the entered information with the SAR data. After checking your details, you will be offered payment options for your insurance premium. After payment, the electronic format of the policy will be sent to you at the email address specified during registration.

If an insurance organization violates your rights, do not be afraid to fight with them. You have every right not to purchase insurance products that you do not need when concluding a compulsory insurance contract. Keep in mind that knowing your rights, you can get a policy without any additional services by simply pointing out violations to the insurance company employees. Employees of insurance organizations are well aware of what troubles they can expect if a client files a complaint with higher-level organizations, so most often they back down and do not contact such clients.

Additional MTPL services

The imposition by insurance company managers of additional MTPL insurance services, oddly enough, has its own reasons, which forced the insurer to sell the policy in a similar way.

Since 2003, the cost of compulsory motor liability insurance has remained unchanged, and inflation in the economic market has not been stable. Stability of prices for such a long period will only bring losses for the insurance company.

To find a way out of this difficult situation, companies are forced to sell not only motor liability insurance, but also additional, more cost-effective services.

A list of the most popular services that a manager will try to sell to a client:

life and health insurance;
compensation excluding wear and tear;
emergency commissioner;
free car evacuation;
legal support;
additional accident insurance policy.

It is worth noting that this list is only the “tip of the iceberg”; there are much more additional services and insurance companies are coming up with something new every day. First of all, you need to consider and understand the services already listed.

Life and health insurance

Quite often, insurance agents claim that life insurance is considered mandatory when purchasing an insurance policy. In fact, this service is imposed.

There are similar services that can be equated with life insurance services:

health insurance service;
from an accident;
insurance of movable and immovable property;
Often the manager suggests the need to undergo maintenance at a service station, which will be indicated by the insurance company.

In fact, these services are meaningless and the client who purchases the policy is not obliged to buy them. Often, the imposition of a service begins with a template phrase: “In order to issue an insurance policy, you must purchase...”. In this case, the client must declare that he is aware of his rights and understands his responsibilities. The reaction of the insurance agent will make it clear whether it is worth continuing to apply for compulsory motor liability insurance or simply not wasting your time and immediately contacting another insurance company.

Reimbursement excluding wear and tear

This service implies that when paying for damage, depreciation of the vehicle after an accident will be taken into account. When a driver needs to replace outdated parts, the insurance company calculates the amount of payments using a special method established by law. Often, drivers begin to express complaints, because they would like to return the car to its previous condition before the accident, but according to this service, a car that is 10 years old, as a result of the repair, will have parts that have an approximate useful life, not new ones.

In other words, after an accident the driver will not have a completely new car. But it should be noted that for foreign cars that are no more than 7 years old, and domestic vehicles that are no more than 5 years old, the wear rate is not calculated.

Using this service significantly reduces the amount of payments; if this parameter is not taken into account, payments to fully cover expenses are made much faster.

Emergency commissioner

An emergency commissioner is a specialist who is hired by insurance company agents in situations in which an emergency occurs. His responsibilities include: determining the cause of the incident, photographing and video recording at the scene of the accident, and the emergency commissioner assesses the damage caused.

The service is advantageous for novice drivers who are not aware of many of the subtleties when registering an accident. Some insurance companies have made this service “mandatory” specifically for drivers who have a minimum driving experience.

But this additional service has an impressive cost and will significantly “hit the pocket” of the vehicle owner. Every experienced driver or legally savvy person can easily cope with the paperwork in case of an accident, so the service can be considered useless.

Free car evacuation

Often, after an emergency on the road, the vehicle is destroyed and its further movement in a natural way is simply impossible. In this situation, you will need the service of a tow truck to transport the car to a paid parking lot.

It is not often that MTPL insurance companies inform the driver about the free tow truck service, for the simple reason that this service is mandatory for all insurance companies; this is provided for in Art. 61 OSAGO Rules.

In accordance with this law:

the insurance policy is obliged to reimburse the costs of evacuating the destroyed vehicle from the place where the accident occurred to the place where the car will be stored or repaired;
OSAGO is obliged to reimburse the costs of storing the vehicle in a paid parking lot from the day of the accident until the day when the car is inspected by an independent expert or the insurer.

But in order to receive reimbursement for the cost of tow truck services, you need to provide an application and any document confirming payment for the tow truck. It is very important that the receipt clearly shows on what day and period of time the tow truck worked, the tow truck route, as well as the state registration plate of the vehicle.

This service can undoubtedly be called necessary, but it should be taken into account that you can wait quite a long time for a free tow truck called by the insurance company.

Legal support

A lawyer, whose services are provided free of charge by the insurance company, will collect the necessary documentation and certificates for the insurance company.

Undoubtedly, the service can be considered useful, but it is quite expensive and will significantly increase the total cost of the MTPL insurance policy.

But there are also disadvantages to this service:

a lawyer will not be able to collect all the documentation, so you have to look for some certificates and documents yourself;
impossibility of using this service in the event of an insurance dispute between the company and the driver of the vehicle

Some of the most common disputes between the insurance company and the driver are:

the insurance company refuses to acknowledge that the case is insured;
the property damage of the injured party in an accident was incorrectly calculated.

Additional accident insurance policy

DSAGO is a voluntary motor third party liability insurance and is considered an additional policy with payment of insurance compensation. This type of insurance is used when the insurance payment under compulsory motor liability insurance is not enough to fully compensate for the damage caused to the life, health or property of another participant in the accident.

OSAGO is a mandatory insurance policy for all vehicle owners, and DSAGO is used exclusively at the request of the driver. This insurance policy fully covers losses caused to persons who suffered from an accident.

DSAGO is considered exceptional due to the presence of the following features:

it can be called an extended form of OSAGO, it is its direct complement;
the main cost of registration and the limit of payments is set by the insurance company, therefore insurance agents quite often offer to conclude this type of insurance contract,
payments are made only if there are insufficient funds under compulsory motor liability insurance to cover the damage to victims after an accident;
When an insured event occurs, the car owner independently chooses the maximum amount of payments.

In order to obtain this type of insurance, you will need the following documentation:

original MTPL policy;
documentation confirming vehicle registration;
driver's license or power of attorney to drive a vehicle;
passport or any other identification document.

How to buy an MTPL policy without additional services

Current legislation prohibits conditioning one purchase on another. These actions are considered as imposition. Accordingly, the insurance company does not have the right to impose additional services, and those insurers who do not want to issue an insurance policy without additional services will be held liable.

Unfortunately, not all vehicle owners know that such actions on the part of the insurance company are illegal and insurance for additional services is not mandatory.

Consequently, if the client does not want to insure the proposed service, then the insurance company does not have the right to refuse him insurance with a compulsory MTPL insurance policy. The vehicle owner has the right to challenge such actions of insurers in court.

In order to issue an insurance policy without additional services, you need to do the following:

Initially, contact the insurance company and find out what the amount of insurance premiums is. To do this, you need to submit an appropriate application, which can be sent either by registered mail or personally taken to the IC office.

The insurance company must respond to this request within three business days. If there is no response from the insurance company, the client has every right to file a complaint with the Central Bank of the Russian Federation. Application form - complaints can be obtained directly from the Bank branch.

If the client has received a response from the insurance company and these conditions suit him, he can pay the required amount.

Payment can be made either directly at the IC office or by bank transfer. In case of direct payment, the compulsory motor liability insurance is issued on the day of application, but if with a non-cash payment method, the insurance company is obliged to issue the compulsory motor liability insurance a day after payment.

Sample application for compulsory motor insurance without additional services

To fill out the application form, you will need to have a passport in hand, since the form will need to indicate your full name, series and number of the passport and registration address.

This behavior of insurance companies causes a lot of discontent and indignation, but the situation does not change in any way, despite the interventions of prosecutors and judicial authorities.

The sooner we take action, the better. For example, a month before the expiration of the current policy.

Options for refusing to deposit additional amounts

Any insurance company can issue such a policy with no additional life insurance payment.

What if you try to contact an agent instead of the office? As a rule, it is not more expensive, but the agent will not overcharge you.

Compare policy costs from different companies, read reviews and look at company ratings, including insurance claims.

If you specify a specific period of time, then in this case you can save a certain amount of money on insurance. But you will only have to operate the car for a specified period of time.

Quick and easy, just pay money. Even a diagnostic card will be printed out for you on luxury paper in a few minutes. All they have to do is enter data about the car being diagnosed.

Who to file with the insurance company

An alternative option is to send a complaint to the Central Bank, which also regulates the legality of compliance with insurance legislation.

Compensation for damage caused by a road train as a result of an accident. Collection of insurance payment under two policies...

Why did you make such a mess? Everything was beautiful!” She blinks her eyes and babbles some kind of nonsense. What will you do to her? She does not bear any responsibility for her body movements.

How to refuse life insurance when applying for compulsory motor liability insurance

Therefore, the insurer’s refusal to issue a policy without additional services is illegal, and imposing additional services on the client is also illegal.

When calling the central office, the manager claims that he cannot explain anything about this. Where to contact?

The body of the application indicates the number of the MTPL agreement with the imposed service and the facts proving its unauthorized conclusion.

If the car is old and in poor condition, it is worth taking out insurance without wear and tear, and if the car owner is transporting valuables, it is worth taking out property insurance.

The same applies to vehicle drivers: without a valid MTPL policy, operating a vehicle is prohibited by current legislation.

Registration of a policy without additional services

In paragraph 1, we indicate the full name, date of birth, series and number of the identification document, registration address, telephone number and the period for which the policy will be issued.

Sample application for MTPL by mail

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

MTPL policy without additional services

Until recently, motorists had no problems purchasing insurance. Now consumers are complaining that they cannot purchase an MTPL policy without additional insurance. Employees of many companies, taking advantage of the ignorance of ordinary citizens, are trying to impose on them additional insurance that is not provided for in the basic insurance package.

Sometimes the driver may not even know that his policy included extra items. To avoid such situations, let's figure out how to apply for compulsory motor liability insurance without additional insurance, whether it is legal for companies to impose various insurances in 2019, and whether a consumer can refuse an unnecessary purchase.

What are additional insurances?

Additional insurance – services that provide protection for drivers in the event of an accident. By law, insurance companies have the right to offer them, but forcing citizens to use these services is prohibited by the Consumer Protection Law. Thus, imposing additional services for compulsory motor liability insurance is a violation of the law.

Cunning insurers pretend that they do not know the amendments to the legislation and in every possible way try to encourage clients, in addition to the compulsory motor liability insurance policy, to purchase additional insurance. Below we will present the most common insurances that companies are trying to include in the MTPL policy without additional services.

Additional motor vehicle liability insurance (DSAGO)

Experienced drivers with extensive driving experience can safely refuse it. If you are a beginner and doubt your abilities, then DSAGO will help you receive additional payments in the event of an insured event, which can make it easier for you to repair your car.

This type of insurance protection allows you to protect yourself from risks that arise while using the vehicle. Covered events include things like car theft or damage. This option, although quite profitable, costs a lot of money, and therefore is especially often offered for registration with a basic contract.

Diagnostic card

A document that is mandatory for issuing a policy. Companies refuse to issue compulsory motor liability insurance without the vehicle undergoing technical inspection through its partner station. Motive - the diagnostic card does not inspire confidence in the insurance specialist or clause 1.7 of the insurance rules.

But every driver has the right to receive it in those services that he chooses himself.

Life and health insurance

This type of insurance was imposed on drivers so often that in 2014 a law was passed prohibiting insurance companies from requiring drivers to take out this option. Special fines have been introduced for such violations, which we will discuss below. The minimum amount is 50,000 rubles, and in some cases the insurer’s license may even be revoked.

Comprehensive package personal insurance

Another type of insurance, the imposition of which may entail serious sanctions against the insurance company.

Note! In practice, drivers are most often concerned that they are trying to force life insurance under compulsory motor liability insurance on them. In 2nd place is DSAGO, which is unlikely to be needed by an experienced driver, but may be useful to a novice driver or the owner of an expensive car.

These and other additional insurances are optional and can only be purchased at the client’s request.

Grounds for refusal of additions to compulsory motor liability insurance

Is it legal to impose, for example, life insurance under compulsory motor liability insurance? The driver has every right to refuse unnecessary options without any consequences, since this violates his rights as a consumer.

The opinion of auto lawyers on this issue is unequivocal, because, according to the changes made to the relevant law in 2014, it is allowed to conclude auto insurance contracts without completing addendums. The regulatory act prohibits any imposition; violating companies face a fine of 50,000 rubles (see Article 15.34.1 of the Code of Administrative Offenses of the Russian Federation).

In case of repeated offense, the company's license will be suspended.

It is surprising that insurance employees assure consumers otherwise, arguing that this is not their initiative, but the requirements of the law. So is life insurance necessary for compulsory motor liability insurance? No, this issue is the responsibility of the car enthusiast himself.

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.

How to return the cost of life insurance or other services under compulsory motor liability insurance if they have already been paid?

Contact the company with a request to terminate the insurance contract; be sure to demand a refund of the money spent. Attach a copy of the payment order to the document. If the money is not transferred to your account within a month, feel free to file a complaint with Rospotrebnadzor and the Central Bank, and file a claim with the court.

And in conclusion, I would like to note that the main reason for refusing to include in your policy services that are not provided for in the basic insurance package is Law No. 40 - Federal Law. It states that only the issuance of a compulsory motor liability insurance policy is mandatory. It says nothing about other types of insurance; accordingly, they can be included in the package only at the driver’s request.