Is it possible to get compulsory motor liability insurance without life insurance?

How to apply for compulsory motor liability insurance without life insurance?

Currently, the following situation is very common in the Russian insurance market - when turning to an insurance company for a certain service, the client leaves with a whole package of imposed insurance products. Sometimes, without purchasing additional insurance, it is not possible to buy the main one; for example, when wanting to take out compulsory motor liability insurance, the policyholder receives life insurance as part of the package. Is it legal to impose insurance services?

In this article we will look at how to apply for compulsory motor liability insurance without life insurance, what the legislation says on this matter, where and how to complain about the illegal actions of the insurance company?

Mandatory life insurance when applying for compulsory motor liability insurance

Civil liability insurance for a car owner in Russia is a mandatory condition for driving a vehicle. Driving a car without a compulsory motor liability insurance policy threatens the driver with an administrative fine in the amount of 500-800 rubles. However, life insurance is not a mandatory condition for obtaining a compulsory motor liability insurance policy. Having familiarized ourselves with the regulations in the field of insurance, we can conclude that life insurance in the Russian Federation is mandatory only for officials, civil servants, as well as passengers of international land and air transport.

Since the laws do not mention the need for life insurance when taking out a compulsory motor liability insurance policy, we can come to the conclusion that this type of insurance is simply imposed on clients. The Federal Consumer Protection Law states:

“It is prohibited to condition the acquisition of some goods (works, services) on the mandatory acquisition of other goods (works, services) ...”

In turn, the Code of Administrative Offenses of the Russian Federation establishes liability for the inclusion in the contract of conditions that infringe on the rights of the consumer:

“...imposition of an administrative fine on officials in the amount of one thousand to two thousand rubles; for legal entities - from ten thousand to twenty thousand rubles.”

How to buy compulsory motor liability insurance without life insurance?

In the event that, after the client refuses to purchase additional life insurance when applying for compulsory motor liability insurance, an agent or employee of the insurance company refuses to sell the auto insurance or continues to impose an unnecessary service, it is necessary to act according to the following plan:

Explain the legality of refusing life insurance with references to current legislation to a company employee or his immediate superior.
Write an application to purchase an MTPL policy without additional insurance products and submit it to the insurance company in person or by registered mail with notification.
If you receive a refusal, send a complaint to the regulatory authorities or go to court.

To appeal the actions of insurance company employees, the client has the right to appeal to the RSA, the Central Bank of the Russian Federation, the antimonopoly service or the court in writing. Appealing to one authority does not exclude simultaneous appeal to others.

For a comprehensive and prompt consideration of the complaint, the following documents must be attached to it:

driver's license and passport of the policyholder (copies);
documents for the vehicle;
application for registration of compulsory motor liability insurance without life insurance;
written response from the insurance company (copy).

Application for the purchase of compulsory motor liability insurance without life insurance

The procedure for the execution and content of an application is not regulated by special legislation, and when writing any application, the general rules for drawing up business documents apply. The application must:

indicate the name of the insurance company;
state the client’s last name, first name and patronymic, place of residence and contact details for feedback;
indicate that the purpose of contacting the insurance company is to purchase an MTPL policy and demand the provision of this service without additional life insurance and other things;
list links to current regulations that provide for liability for imposing an unnecessary service;
make a list of applications, if any;
put the date and certify the application with a signature;
in the case of drawing up and submitting an application by a representative, confirm the latter’s authority with documents.

A sample application for refusal of life insurance services, written in free form, can be downloaded from the link. The waiver form for this product is different for each company:

The application can be delivered in person or sent by mail with a notification letter. Upon personal delivery, two copies of the document are made: for the insurance company and for the applicant. On the second copy, which must remain with the policyholder, the insurance employee must put the date of acceptance of the document and signature. Such precautions will help in the future to prove the fact of contacting the insurance company if you have to defend your rights in court.

Alternative course of action

It may take months to prove the legality of refusing imposed life insurance when purchasing compulsory motor liability insurance. However, not everyone can calmly wait for confirmation that they are right. In case of an emergency need to issue a compulsory motor liability insurance policy, there is an alternative solution to the problem.

First, you still need to take out a car insurance policy and insure your life. Then the client has the right to “remember” the state-guaranteed “cooling off period”, during which he has the right to demand termination of the voluntary life insurance contract without financial consequences. The specified period is 5 days. A mandatory condition for termination of the contract is the non-occurrence of an insured event.

The insurance company must return the funds in full within 10 days from the date the client submits an application to terminate the life insurance contract unilaterally. Thus, after ten days, the client has a compulsory motor liability insurance policy in his hands and the money returned for the imposed additional service.

Comparison of current prices on the insurance market

The cost of an MTPL insurance policy with the same initial data taken for a vehicle (car make, model, year of manufacture, etc.) and driver (age, gender, driving experience, etc.) may vary from company to company within 20-200%, depending on the presence or absence of additional life insurance:

Imposing life insurance when purchasing compulsory motor liability insurance

Good afternoon, dear reader.

In this article we will talk about imposing life insurance when purchasing an MTPL insurance policy .

In the second half of 2014, many readers of the pddmaster.ru website contacted me, describing approximately the following situation. When contacting an insurance company to purchase an MTPL policy, the driver learns that in addition to the basic cost of the policy, he will have to pay additional life insurance or some other services (about 1,000 rubles).

Note. It must be said that drivers do not encounter the imposition of services every time they contact an insurance company. In some “good” years, all insurers sell MTPL without any problems, and in some “bad” years, insurance agents try with all their might to sell insurance as expensive as possible, or even refuse to sell it at all.

Imposing additional services is illegal (Part 2 of Article 16 of the Consumer Rights Protection Law), but many drivers do not know about this and do not even try to defend their rights.

Let's look at a few ways insurance companies try to sell life insurance. The content of the article:

A few words about the history of the issue. Rumor has it that compulsory motor liability insurance is an unprofitable type of service for many insurance companies. In 2014, the payment limits for compulsory motor liability insurance were increased several times; insurance rates did not increase so significantly. In this regard, some insurers generally refuse to sell MTPL policies, others are trying to impose additional services on car owners that most drivers will never need.

To be honest, the true extent of the situation was difficult to appreciate until I contacted several insurance companies at the end of 2014. The time has come to replace the MTPL policy, and I had the opportunity to talk with several insurers. This article is about insurance companies in the city of Ryazan; perhaps in other cities the situation is more positive.

Note. As a rule, problems with the purchase of compulsory motor liability insurance do not arise in large cities (Moscow, St. Petersburg). You can always buy insurance there and at normal prices.

Difficulties usually arise in remote regions. For example, quite often complaints are received against insurance companies in the Rostov region.

Imposing life insurance in Rosgosstrakh

So, the first insurance company I contacted in 2014 was Rosgosstrakh. In practice, I didn’t care from whom to buy the MTPL policy, but Rosgosstrakh has the largest number of offices in Ryazan, so I decided to go to them.

The imposition of life insurance when purchasing compulsory motor liability insurance in Rosgosstrakh has been put on stream. And their scheme is quite cunning.

First, the documents necessary for registration of compulsory motor liability insurance are taken from the driver, and the registration and calculation of the insurance premium begins. After some time, the total cost of the policies is announced, which is approximately 1,000 rubles higher than the real cost of compulsory motor liability insurance.

After this, drivers behave differently:

They don't pay attention . Drivers who have not specified the cost of compulsory motor insurance for the next year in advance may not pay attention to the increased cost.
Agree with the manager . Most drivers, after a short explanation from the manager, agree to purchase a life insurance policy.
Disagree with the manager . Drivers who are familiar with the legislation refuse to purchase compulsory motor liability insurance, not being satisfied with the explanations.

Let's consider what arguments the Rosgosstrakh manager uses to impose life insurance:

1. The legislation has changed

The phrase sounds: “The legislation has changed, insurance limits have been increased to 400,000 rubles, life insurance has been added.”

Many drivers understand this phrase as follows: “Life insurance has become mandatory, you will have to buy it.” And they buy both policies.

Although in fact the meaning of the phrase is: “Insurance limits have increased. In addition, the insurer, on its own initiative, added another policy to you, which you don’t have to buy.”

So if the driver doesn’t know whether life insurance is required when purchasing compulsory motor liability insurance, he easily falls for the insurance company’s bait and shells out an additional thousand.

2. Mandatory inspection of the car after 3 months

For drivers who understand that life insurance is being forced on them, there is a more cunning scheme.

The manager explains that at Rosgosstrakh you can buy MTPL without life insurance, but the driver will have to undergo a vehicle inspection. The possibility of conducting an inspection is indeed provided for in clause 1.7 of the Insurance Rules:

1.7. When concluding a compulsory insurance contract, the insurer has the right to inspect the vehicle. The place for inspection of the vehicle is established by agreement of the parties. If no agreement is reached regarding the place of inspection of the vehicle or if a compulsory insurance contract is drawn up in the form of an electronic document, the insurer will not conduct an inspection of the vehicle.

However, the problem is that the waiting list at Rosgosstrakh is approximately 3 months.

Imposing life insurance in the VSK insurance house

I didn’t specifically choose the next insurance company, I just went to the first office I came across. It turned out to be the office of the VSK insurance house.

This insurance company also refuses to sell a compulsory motor liability insurance policy without a life insurance policy. Moreover, they don’t have any clever explanations. The manager simply says that he will not sell the policy. Refusal to conclude a contract is also not granted.

If any of the readers have a desire to “fight” with the insurance company, then feel free to go to VSK. Record the refusal on a video camera or voice recorder. After this, you can impose a three-hundred-thousand-dollar fine on the insurance company.

After visiting the second insurance company, it became clear that the imposition of life insurance when purchasing compulsory motor liability insurance has a noticeable scope . Therefore, it was decided to immediately go to the next insurance office with the voice recorder turned on. The office was again chosen at random, but the insurer turned out to be respectable and sold the MTPL policy without any problems.

What to do when imposing life insurance when purchasing compulsory motor liability insurance?

Let's look at what can be done if life insurance is imposed when purchasing compulsory motor liability insurance :

1. Go to a reputable insurance company . As practice has shown, such companies exist, you just need to search a little.

2. “Knock out” the refusal to conclude an MTPL policy . Insurance managers do not issue refusals voluntarily; this will cost them a lot. However, it is possible to force the insurance company to conclude an agreement with you. To do this, you need to write an application and send it to the insurance company by registered mail with a receipt stamp.

The text of the statement should be something like this:

I ask you to conclude an MTPL agreement for a car. and enter the following drivers into it. I am attaching to the application a copy of my passport, a copy of my driver’s license, a copy of the diagnostic card, and a copy of the vehicle registration certificate. Please notify me of your decision by phone and in writing at

The insurer will not be able to ignore a written request. He will either immediately invite you to conclude an agreement or give you a written refusal. A written refusal can be submitted to higher authorities. This will be a very good basis for imposing a fine.

This option makes sense to use only if the insurance company is dear to you for some reason and you do not want to go to another one. Well, or if in your locality all insurers are engaged in imposing life insurance when purchasing compulsory motor liability insurance.

3. Buy life insurance. This option is the simplest, which is why most drivers choose it.

However, I recommend that you first fight at least a little for your rights, go to different insurance companies, and try to get a written refusal. This will be good experience in asserting your own rights, which may be useful to you in the future.

4. Apply for compulsory motor liability insurance via the Internet. The opportunity to buy an insurance policy online appeared in mid-2015. In 2019, all insurance companies are required to sell electronic insurance policies.

Additional services cannot be imposed on the driver via the Internet, so the cost of insurance strictly corresponds to the value calculated using the OSAGO calculator.

Note. Some cunning insurance companies who do not want to sell compulsory motor liability insurance via the Internet imitate technical errors or deliberately delay the document processing process.

However, in 2019, purchasing an electronic MTPL policy is the best option.

Refund of money for life insurance under compulsory motor liability insurance

If none of the “alternative” options listed above suits you, and the insurance company nevertheless imposed additional insurance when purchasing compulsory motor liability insurance, then I recommend that you take up the return of additional insurance.

To do this, you need to contact the insurance company within 5 days from the date of registration of compulsory motor liability insurance.

Please note that the possibility of returning additional insurance must be described in the text of any voluntary insurance agreement. This requirement has been in effect since March 2, 2016, when the Directive of the Central Bank of the Russian Federation “On minimum (standard) requirements for the conditions and procedure for the implementation of certain types of voluntary insurance” came into force.

You need to fill out an application for the return of additional insurance from the insurance company. Usually this procedure goes without problems. If you contact the insurance company within 5 days, you can return the money for the imposed insurance in full.

In conclusion, I would like to note that from the point of view of drivers who follow traffic rules and avoid road accidents, the reluctance to sell insurance looks rather strange. For many years, such drivers simply transfer money to the insurance company (buying MTPL policies) and receive nothing in return. At the same time, the cost of policies is gradually increasing, and for some reason insurers are incurring losses and do not want to enter into MTPL contracts.

Perhaps legislators should introduce amendments that increase the cost of compulsory motor insurance for drivers who regularly get into accidents. It is these drivers who bring losses to insurance companies and troubles to other road users. The high cost of compulsory motor liability insurance for those responsible for road accidents would be a good incentive for careless drivers.

Purchasing a compulsory motor third party liability insurance policy without life insurance

According to the current legislation of the Russian Federation, purchasing a compulsory car insurance policy is the direct responsibility of any motorist who wants to drive a vehicle. At the same time, the law, based on clause 1.5 of Bank of Russia Regulation No. 431-P dated September 19, 2014 “On the rules of compulsory civil liability insurance of vehicle owners,” allows the car owner to independently choose the insurance company he likes.

Life insurance when purchasing an MTPL policy

The process of purchasing a car insurance policy is a simple procedure, however, very often car owners may face the unpleasant moment of being forced to purchase a life insurance policy.

Since selling an additional service is profitable for insurance agents, insurers try to sell it using any “tricks”. However, a motorist should know his rights and understand that purchasing life insurance is a useful service, but it is also voluntary.

If we turn to the Civil Code of the Russian Federation, in particular to paragraph 2 of Article 935, we can see that life insurance, as an obligation, cannot be imposed on a citizen by law.

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Also, if you look at Federal Law No. 2300-1 of February 7, 1992 “On the Protection of Consumer Rights”, paragraph 2 of Article 16, you can see that it is prohibited to condition the purchase of some services (goods) on the mandatory purchase of other additional services (goods).

Another legislative act, in particular, paragraph 1.5 of Bank of Russia Regulation No. 431-P dated September 19, 2014, states that an insurance agent does not have the right to refuse to sell a motorist an MTPL policy when he submits an application to perform this action and provides all the necessary papers .

Based on the data specified in the current regulatory documents, it follows that the requirements for the mandatory purchase of a life insurance policy together with the MTPL document or its hidden inclusion in the final cost of the document are illegal actions on the part of insurance agents and directly contradict the current legislation of Russia.

In any case, the situation should not be left to chance; a vigilant and conscientious driver should know and defend his rights.

Insurance companies selling MTPL without life insurance

Insurance organizations have the right to sell auto insurance policies and other activities only if they have a valid license and, accordingly, if they have current membership in the Russian Union of Auto Insurers.

A list of active members of the Russian Union of Auto Insurers can be found on the official website of the RSA. It is these companies that you should contact if you need to purchase a compulsory motor liability insurance policy. The most popular insurance organizations at the moment include PJSC IC Rosgosstrakh, JSC Renaissance Insurance Group, JSC Ingosstrakh, JSC RESO-Garantiya and others.

The largest insurance organizations, in addition to the main office in a large city, have additional branches throughout the country. So, if at the main office insurance agents do not impose additional insurance packages due to the fact that for these actions the insurer may be deprived of a license to operate, then in small localities it is almost impossible to buy a car insurance policy without imposed papers, since representative offices of the insurance company can establish their own internal rules . However, a vigilant owner should know that any internal rules cannot contradict legislative norms, and, therefore, the imposition of life insurance is also illegal.

Despite the fact that when contacting people personally, insurance agents try to impose life insurance on the purchase of compulsory motor liability insurance in order to receive additional profit, currently there is a way to purchase a car insurance contract without outside services.

Based on clause 7.2 of Article 15 of Federal Law No. 40 of April 25, 2002 (as amended on December 18, 2018) “On compulsory civil liability insurance of vehicle owners,” any car owner can purchase a car insurance policy electronically by submitting an application, the necessary documents and paying for the document through the official insurer's website. Moreover, each insurance company is obliged to provide citizens with such an opportunity.

When purchasing compulsory motor liability insurance using this method, it is impossible to impose additional life insurance, which means that the motorist will be able to purchase the contract without extra costs.

Thus, you can purchase compulsory motor liability insurance without extraneous imposed services from any insurance organization by purchasing a document in electronic form.

Algorithm for purchasing a car insurance policy without additional services

As mentioned earlier, you can purchase compulsory motor liability insurance either by visiting the office of an insurance company in person or through its official website using the Internet.

When choosing the second option, the motorist needs to register on the website of the selected organization and log into the created personal account. On the general page of the site, you need to click on the “Registration of e-OSAGO” button; The name of this section may vary depending on the design of the site.

On the new page you need to fill out a form containing the details of the motorist, vehicle, as well as contact information (telephone and email address) of the citizen. To confirm that the entered data is correct, the car owner will need to attach scans of documents .

After entering the required data and checking the information in the RSA information base, a new page will open with the amount of the car insurance policy. Next, the citizen must once again check the correctness of the data and pay the invoice issued to him.

After payment, an OSAGO will be sent to the specified email address , which must be printed for presentation to the traffic police inspector.

As can be seen from the instructions, online purchase of a policy is a fairly simple and quick procedure, and the car owner does not need to assert his rights if he refuses to purchase additional services or pay an inflated price for the document.

However, due to certain circumstances, not all motorists can purchase an electronic policy. In this case, the citizen must contact the nearest office of the selected company with the collected package of documents. Next, you need to fill out an application to purchase insurance. It is recommended to independently calculate the cost of car insurance in advance in order to know the final cost of the document. It is also necessary to clarify that additional insurance is not required.

In the main branches of large organizations, agents, after clarifying the client, issue a car insurance policy without unnecessary imposed services. However, this practice is a fairly rare situation, so a motorist should know how to behave if a motorist refuses to enter into an MTPL agreement without purchasing additional services.

Actions in case of refusal to conclude compulsory motor liability insurance without life insurance

As a rule, imposing life insurance when purchasing a compulsory motor liability insurance policy implies 2 scenarios:

The agent is silent about life insurance , but at the same time includes it in the final cost of compulsory motor liability insurance.
The insurer refuses to enter into an MTPL agreement without concluding an additional agreement.

In the first case, it is necessary to compare the previously calculated policy price and the price set by the insurer. In case of a noticeable overstatement, it is necessary to clarify with the agent the reason for this situation.

As a rule, if the insurer sees that the motorist understands the procedure for calculating the cost of the document and is ready to defend his rights, then OSAGO is sold to the citizen without additional services.

If the insurance agent refuses to conclude a compulsory motor liability insurance contract without concluding life insurance, then the citizen must prepare a voice recorder or other device and keep a record to prove the fact of imposing the service.

In many cases, this behavior allows you to immediately buy compulsory motor insurance without imposed services. However, a problem may arise here too. In accordance with current legislation, insurers have the right to inspect the vehicle for which the document is issued. But, as a rule, appointments are made several months in advance.

If such a situation arises, the citizen must request from the agent a written refusal to sell the MTPL policy. In many cases, this paper is not provided to the citizen, and the agent sells MTPL without unnecessary services.

But if a persistent insurer continues to defend its position, then the motorist needs to contact another insurance organization to purchase an MTPL policy , since driving a vehicle without this document is prohibited.

However, the situation with imposition should not be left just like that. If the car owner has audio, video or photographic recordings proving the fact of imposition of the purchase of life insurance, as well as a written refusal of the insurer to enter into an MTPL agreement, it is necessary to submit an application to higher authorities.

A complaint against an insurance company can be filed with the Russian Union of Auto Insurers, the Central Bank of the Russian Federation, or the Federal Antimonopoly Service in your region.

Since the behavior of the insurance company in this case is illegal, the specified authorities will be required to conduct an inspection. As a result of this event, if the imposition of services is confirmed, an administrative penalty will be issued under Article 15.34.1 of the Code of Administrative Offenses, in particular, a fine of 20,000 to 50,000 rubles for officials and from 100,000 to 300,000 rubles for legal entities.

Thus, the insurer’s refusal to sell compulsory motor liability insurance without purchasing additional life insurance threatens it with an administrative fine; In case of repeated violation, the organization’s license to provide insurance services may be suspended until the identified violations are eliminated.

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OSAGO insurance without life insurance in 2019 - insurance companies issuing OSAGO without life insurance

Recently, the question has become urgent for drivers: how to obtain compulsory motor liability insurance without life insurance in 2019? It is this topic that we will try to reveal today and consider all the associated nuances.

After scrolling through many forums, you understand that people come to an insurance company in order to purchase car insurance without life insurance, but after some miscalculations, they give you a final amount that is approximately 1000 rubles more.

In such situations, drivers:

They don’t pay attention because they don’t know the estimated cost of the policy;

They agree with the final cost because they see no point in arguing;

They leave without taking out a compulsory motor liability insurance policy.

I would like to say that according to the Consumer Protection Law, the imposition of life insurance is illegal.

It is prohibited to condition the acquisition of some goods (works, services) on the mandatory acquisition of other goods (works, services).
Losses caused to the consumer as a result of violation of his right to free choice of goods (work, services) are reimbursed by the seller (performer) in full. It is prohibited to condition the satisfaction of consumer demands made during the warranty period on conditions not related to defects in goods (work, services). (paragraph introduced by Federal Law of December 21, 2004 N 171-FZ)

Part 2 of Article 16 of the Law of the Russian Federation dated 02/07/1992 No. 2300 – 1

However, most of us are not familiar with our rights and either leave or purchase an imposed product.

Which insurance companies provide insurance under compulsory motor liability insurance without taking out life insurance?

There are about 40 regions in the Russian Federation that have problems with obtaining insurance. Unfortunately, this number is growing every year and the question “where can I insure a car under compulsory motor liability insurance without life insurance?” becomes more relevant.

In some localities, it is almost impossible to issue an insurance policy without any additions.

Today, the number of insurance companies is large enough so that you can choose the most suitable one. However, most of them use tricks and principles so that you purchase compulsory motor liability insurance along with insurance.

Therefore, in order to find out where to buy an MTPL policy for a car without life insurance, you need to choose an individual insurance company in each city. For example, in Moscow, Rosgostrakh sells policies without additional insurance, and in the Ivanovo region with additions.

How to insure a car under OSAGO without life insurance

We all know approximately how much insurance for our car costs. Every year the price changes depending on the coefficients (for example, the presence of accidents), therefore, the price of compulsory motor liability insurance without life insurance will be slightly less than with life insurance.

Let's imagine the situation. You come to an insurance company, where they are trying to sell you life insurance, justifying it by the fact that it has become mandatory. At this moment, it is necessary to turn on a video camera, voice recorder or other device that can later confirm the fact of imposing additional services.

Now we begin to have a conversation with a representative of the insurance company, and ask him a question about the possibility of failure of life insurance: is it necessary to insure life when insuring compulsory motor liability insurance?

To this question they can answer you that it is necessary or offer an alternative as an inspection of your car. According to the rules of OSAGO, this opportunity is provided.

When concluding a compulsory insurance contract, the insurer has the right to inspect the vehicle. The place for inspection of the vehicle is established by agreement of the parties. If no agreement is reached regarding the place of inspection of the vehicle or if a compulsory insurance contract is drawn up in the form of an electronic document, the insurer will not conduct an inspection of the vehicle. (clause 1.7 as amended by Bank of Russia Directive No. 3649-U dated May 24, 2015)

Clause 1.7 of Chapter 1 “Regulations on the rules of compulsory insurance of civil liability of vehicle owners” (approved by the Bank of Russia on September 19, 2014 N 431-P)

However, as a rule, you will have to wait several months for the vehicle inspection, which means that you will have to do without compulsory motor liability insurance for this entire period.

In such a situation, you should inform the insurance company employee that you want to purchase a policy without life insurance here and now. And in case of refusal, require a written refusal. Often, you will never receive a documented refusal. And here you already have two options:

Say that you have a recording and you will take it where needed. Then there is a high probability that they will still sell you a policy.

Option two, just leave silently and transfer the recording to the appropriate authorities. This method guarantees a good fine for the insurance company.

Unreasonable refusal of an insurance organization, an insurance agent, an insurance broker to enter into public contracts provided for by federal laws on specific types of compulsory insurance, or the imposition of additional services on an insured or a person intending to enter into a compulsory insurance contract that are not stipulated by the requirements of the federal law on a specific type of compulsory insurance - shall entail the imposition of an administrative fine on officials in the amount of twenty thousand to fifty thousand rubles; for legal entities - from one hundred thousand to three hundred thousand rubles.

Note. For administrative offenses provided for in this article, an insurance agent - an individual, an insurance broker - an individual, an employee of an insurance organization, carrying out the conclusion of insurance contracts, consideration of applications, appeals from consumers of financial services, as well as transactions with funds, bear administrative responsibility as officials .

Article 15.34.1 of the Code of Administrative Offenses of the Russian Federation Unreasonable refusal to conclude a public insurance contract or imposition of additional services when concluding a compulsory insurance contract

Based on this, we conclude: the question of whether life insurance under compulsory motor liability insurance is mandatory or not in 2019 can be answered - no, it is not necessary.

How to return money and terminate a contract for an imposed life insurance policy under compulsory motor liability insurance

If you become the happy owner of an insurance policy and only when you arrive home, you discover that you have also become the owner of life insurance, in such a situation you should immediately go back to the insurance company, otherwise the moment when you can return life insurance under compulsory motor liability insurance will simply pass.

To solve this problem, it is necessary to additionally submit an application for refusal of this type of insurance. It is simple to draw up, but you can see a sample application form for refusal of life insurance when insuring compulsory motor third party liability insurance (MTPL).

This form must be filled out in triplicate. However, in addition to this, you will need evidence that the service was imposed. Therefore, when applying for compulsory motor liability insurance, either make an audio/video recording or carefully check the finished policy. Having immediately noticed the imposed service, you don’t have to look for evidence.

So, let's return to the question: how to cancel and return life insurance under MTPL? In addition to the application in the amount of 3 pieces and evidence, you will need:

Photocopy of PTS and STS;

Driver's license (copy and original);

Photocopy of the diagnostic card (technical inspection).

Of course, the insurance company may even then claim that it refuses to refund your life insurance money. To prevent this from happening, add a couple of lines to the application form in your own hand stating that in case of refusal, you will be forced to go to court and other relevant authorities. Since these measures threaten the insurance company with the Central Bank revoking its license, as a rule, employees will immediately return the money to you.

If your lines do not make any impression on the representatives of the insurance company, then ask them for a written refusal, which is sent to the Central Bank.

How to terminate a driver’s life insurance contract under compulsory motor liability insurance at Rosgosstrakh

People often say that Rosgosstrakh is quite a serious company that can sell anything, but it is problematic to return it later.

But it’s too early to despair. To begin, we collect the necessary package of documents:

Application in the amount of 2 pieces indicating the imposed service;

A copy of the MTPL policy;

A copy of the life insurance policy;

Copy of passport (main page and registration);

Next, we go to where we took out the policy and, having explained the situation, hand over the documents. Most likely, you will be refused a refund. Then be sure to request a written refusal to accept the application with the appropriate mark on the form.

When you receive this document, send it to the Committee for the Protection of the Rights of Car Owners along with the claim in the Magistrates' Court.

Where to complain if, when applying for compulsory motor liability insurance, additional life insurance services are imposed

Initially, you should try to solve this problem yourself at the global level. If the insurance company does not want to make concessions, then with a written refusal you have several options where you can turn:

RSA (Russian Union of Auto Insurers);

FAS (Federal Antimonopoly Service);

Service for the protection of the rights of consumers of financial services and minority shareholders of the Bank of Russia.

What to do if they don’t want to insure under MTPL without additional insurance? Record every action that may later be beneficial to you. Stand your ground and counter with laws. Seeing your awareness, they may meet you halfway. In this situation, the law is on your side, remember this.

As a conclusion, I would like to make a small summary. Dishonest companies are still operating in our country and the day is unlikely to ever come when they will stop functioning.

From today's article you learned the answer to the question: is it legal to force life insurance when insuring compulsory motor liability insurance? You should also remember that if employees have just mentioned a word about additional services, immediately turn on the audio or video recording. Always ask for a written refusal. And of course, if you are not familiar with the current legislation, do not neglect the help of a lawyer.

Is it possible to get compulsory motor liability insurance without life insurance?

More and more motorists are complaining that, along with the MTPL policy, they have to take out an additional life and health insurance contract. The imposition of this service has become a common practice for many insurance companies. We tried to figure out how to apply for compulsory motor liability insurance and refuse services unnecessary to the car owner.

Can an insurance company refuse a car owner a MTPL policy without life and health insurance?

No, he can not. The law on compulsory motor liability insurance does not contain a single clause on compulsory life insurance. No insurance company can force a car owner to conclude an additional, unnecessary contract. If the insurer insists on such a condition, it is breaking the law.

The OSAGO policy (compulsory motor third party liability insurance in case of an accident) is a public contract, and anyone can purchase it. On average, for car owners it costs 3-4 thousand rubles.

Refusal to sign a contract or attempt to impose any additional services is a direct violation of consumer rights. Based on Art. 15.34.1 of the Code of Administrative Offenses of the Russian Federation for an unreasonable refusal to conclude a public insurance contract or the imposition of additional services provides for a fine of 50 thousand rubles.

The most popular excuse for insurers who do not want to issue compulsory motor liability insurance without additional paid services is the lack of forms with budget insurance in connection with inventory. At the same time, specialists from Rospotrebnadzor and the Central Bank, who were investigating such violations, remind consumers that forms for registration of compulsory motor liability insurance have been printed and distributed among insurance companies in sufficient quantities. And if the insurer once again assures that there are no necessary forms, it is necessary to ask him for a document certified by signature and seal, in which he will officially confirm his refusal.

What to do if your application for compulsory motor liability insurance is refused?

If the insurer does not want to sell MTPL insurance at basic rates, there are 2 ways out of the situation - change the insurer to a more responsible one or defend your legal rights.

If you are determined to take the second path, there are 2 possible scenarios:

Drawing up a statement of refusal regarding additional services. One copy should be given to the insurer (sometimes this is enough), the second copy must be submitted to court. All evidence of refusal must be attached to the claim. The disadvantage of this method is that the review procedure takes about 2-3 months, and operating a vehicle without a vehicle license is fraught with fines. The process is labor-intensive, but the payments can amount to a significant amount. As a result, moral damages, the amount of lost profits (if a car is a way to earn money), as well as the amount of actual damage (for example, the cost of public transport) can be recovered from the negligent insurer. In this case, you will prove that you are right, and the insurance company will be obliged to conclude a contract by force.
When concluding a contract in the presence of 2 witnesses, it is necessary to make a note next to the personal signature on all copies: “without life insurance, issuance of a compulsory motor liability insurance policy is refused.” Such a policy, together with an application against an unscrupulous insurer, must be sent to Rospotrebnadzor. In this case, you will not only terminate the objectionable contract, but also compensate for the losses incurred.

What else can insurers impose when applying for compulsory motor liability insurance?

Unscrupulous insurers immediately offer car owners a so-called combined policy, which, in addition to life insurance, includes an add-on in the form of partial CASCO (insurance of cars or other vehicles against damage, theft or theft) or DSAGO (additional insurance if the amount of damage exceeds the amount of the contract under OSAGO) . This kit can increase the cost of a car title by 1-2 thousand rubles.

In some cases, the insurer tries to fraudulently nullify all bonuses awarded for accident-free driving and for the length of interaction with a certain insurance company. As a rule, in this case there is a loss of data associated with the creation of a unified database of insurance histories.

Also, the car owner may be subject to special fees or agent commissions ranging from 700 to 1,300 rubles.

In order not to overpay extra money for a car insurance policy, before visiting the insurance company, it is better to calculate using any available online calculator how much compulsory motor liability insurance will cost for a specific car. The tariff is the same for all companies located in the same region, and it will not be difficult to find out the amount of overpayment to the agent.

How is compulsory motor liability insurance issued in 2015?

In July 2014, the legislation on motor vehicle citizenship underwent significant changes. Now all insurers are required to have access to the AIS OSAGO (automated information system), which will contain all the information about the motorist’s insurance record for calculating reducing or increasing coefficients. You can learn about all the innovations in MTPL in this video.

If, when concluding a contract, a specific insurer does not have online access to AIS, the contract cannot be drawn up, except in cases where a MTPL policy is received by a newcomer who is assigned a certain category - KBM 1. In this case, the car owner must receive a written refusal, on the basis of which a complaint is filed against the insurer .

An important innovation in issuing a compulsory motor liability insurance policy has become the opportunity, starting July 1, 2015, to buy a motor vehicle license via the Internet. Sales will be carried out through the official website of the insurer. Policyholders will have to go through the identification procedure through the Government Services Portal. If the car owner's data does not match the AIS system, the conclusion of the contract will be refused.

In conclusion, we emphasize once again that no insurance company has the right to impose a motor vehicle with compulsory life insurance. The sale of MTPL policies is a service and therefore falls under all provisions of the law protecting consumer rights. Don't let unscrupulous insurers profit from your inexperience.