Why do insurance companies force you to buy life insurance?

When insuring compulsory motor liability insurance, they force you to insure life: is it legal to impose additional services?

Despite the fact that the very definition of the concept of compulsory motor liability insurance - compulsory motor third party liability insurance - is absolutely comprehensive and cannot be ambiguous, many insurance companies force car owners to purchase additional types of insurance. Most often, when purchasing an MTPL policy, vehicle owners are faced with the need for life insurance - insurers simply refuse to enter into an agreement that does not include this option.

The cost of additional insurance varies depending on the region and the “appetites” of the insurance company - on average, you will have to pay about 2,000 rubles for an additional service. How legal are such actions of insurance companies, and is it possible to conclude a compulsory motor liability insurance agreement without insuring life or health?

Life insurance when taking out compulsory motor liability insurance: is it legal?

The life insurance service itself (and health insurance as well) is very useful: if a motorist is harmed as a result of an accident, he will be able to receive a compensation payment that will allow him to pay for expensive treatment and all the necessary medications and consumables. . If the insured person dies, his relatives will receive funds in the amount specified in the insurance contract. However, despite all the obvious advantages of such insurance, it is worth remembering that:

MTPL and life insurance are two different types of insurance that do not intersect with each other;
Motorist life insurance is voluntary and cannot be imposed on a citizen under any circumstances.

In 2015-2016, the number of complaints from motorists about unlawful actions of insurance companies that refused to issue compulsory motor liability insurance policies to those persons who did not want to insure life in addition to compulsory car insurance exceeded tens of thousands. The consequence of this was the suspension by the Central Bank of the Russian Federation of the activities of the largest insurance company in Russia - Rosgosstrakh. However, despite the penalties imposed on the organization, some territorial divisions are still conducting activities aimed at imposing additional life insurance services on clients.

What to do if the insurer forces you to insure your life when purchasing a compulsory motor liability insurance policy?

In order to restore the rights violated by the insurer when taking out a compulsory motor liability insurance policy, the policyholder must:

prepare a written application requesting an insurance policy;
in case of an unmotivated refusal, draw up a written claim addressed to the head of the territorial branch of the insurance company indicating a violation of the current legislation;
If, after the expiration of 30 days from the date of filing the claim, it has not been considered, or the result of the appeal was another refusal, it is necessary to prepare a complaint to the regulatory organizations: the Central Bank of the Russian Federation, the Federal Antimonopoly Service or the RSA.

So, the responsibilities of a citizen established by the legislation on compulsory motor liability insurance do not include the purchase of any additional insurance services. The insurer's refusal to issue an auto insurance policy on the basis that the client does not want to purchase a life insurance policy is absolutely unlawful and can be appealed to higher authorities by filing a complaint in writing.

Life insurance with compulsory motor liability insurance - how to do without it and what to do if it is imposed

In 2003, a new law was adopted, according to which the owner of a vehicle is obliged to insure his liability to third parties (MTPL) and only after that get behind the wheel. However, some companies break the law and sell two products at once: compulsory motor liability insurance and life and health insurance. Every car enthusiast should know how to defend their rights and not overpay for unnecessary products. Let's figure out why they force you to insure life when buying compulsory motor liability insurance, whether it is legal to impose life insurance, what to do if life insurance is imposed and where to complain, how to return life insurance with compulsory motor liability insurance and where to apply for compulsory motor liability insurance without life insurance. The answers to all these questions are below.

The essence of the problem

When insuring compulsory motor liability insurance, almost every car owner is faced with such a problem as additional products. Moreover, the cost of additional insurance can reach several thousand rubles. Why do companies oblige their client to buy unnecessary insurance policies?

The essence of the problem:

Low Tariffs – The biggest reason is low tariffs on a must-have product. If you study the history of Federal Law 40, it becomes clear that tariffs were increased several times. Moreover, the first increase took place 11 years after the law was adopted. As you know, insurance companies are not charitable organizations that will operate at a loss. To make additional profits, they began to force clients to purchase protection. If voluntary insurance was refused, company employees refused to provide the service or looked for several reasons for the client to leave.
Commission - it is no secret that compulsory insurance services are offered by agents or official representatives for a fixed fee (agency fee). If earlier, from 2003 to 2015, commissions amounted to 10-20% of the cost of the product, today in many companies it is absent. As for the voluntary product, the insurance company is ready to pay its agents from 5 to 40% for each policy sold. It turns out that the only way to earn money is to sign up for a voluntary product with a mandatory one.
Additional income - it’s no secret that for many voluntary products the loss ratio is minimal or even zero. That is why organizations are so actively selling insurance in order to receive maximum income and form a full-fledged insurance portfolio.

The listed reasons are the main ones. As for the changes in the MTPL tariff, the latest ones were in 2015. This year, motorists had to pay 40% more for the mandatory product.

Is it necessary to have life insurance with compulsory insurance?

When applying for compulsory motor insurance, almost every motorist asks the question: is it necessary to buy a life insurance policy? Unfortunately, some drivers are confident that life insurance is also a mandatory service that is purchased with civil liability insurance.

It is worth noting that this opinion is erroneous. Life insurance is a voluntary product that is issued only on the personal initiative of the client.

It should also be noted that 40 Federal Law “On Compulsory Civil Liability Insurance” states that the insurer does not have the right to impose additional products and sell them against the will of the client. It turns out that life insurance is not necessary.

Life insurance terms

Since life insurance with compulsory motor insurance is voluntary, each company itself dictates:

terms and conditions of the policy;
price;
risk package.

The standard risk package includes:

Payment for treatment - it is worth considering that the insurer is guaranteed to pay all costs associated with treatment if the insured event occurred as a result of an accident.

· fracture or bruise during an accident;

· hospitalization in case of serious injuries.

At the same time, many insurers are willing to pay for the treatment of the victim:

Disability - the insurance company is guaranteed to make a payment within the insured amount and pay for treatment if any degree of disability is acquired as a result of a traffic accident.
Death - in the event of death, only the heir by law or the beneficiary under the contract will be able to receive compensation in the amount of the insured amount. As a rule, insurers strongly advise that the beneficiary be registered in the insurance policy so that he can receive compensation within a few days after the death of the insured. If this person is not identified, then according to the law he is considered to be the heir at law, who will be able to apply for payment only after 6 months, after the death of the insured person.

Before drawing up a contract form, insurance experts advise carefully reading the rules, which can be downloaded from the official website of any insurance company or received during a personal visit.

As for the cost of the contract, in this case insurance organizations sell:

boxed products, with a fixed amount and a premium
at an individually calculated rate

In the first case, the insurance amount under the contract, as a rule, does not exceed 300,000 rubles. The insurance premium ranges from 750 to 3,000 rubles for each insured person.

When calculated individually, the tariff under the contract can be 0.15 to 1% of the insurance premium. As for the maximum payment limit, it is established by agreement of the parties and can reach several million.

To obtain protection, only one document is requested - a passport. The registration procedure lasts no more than 15 minutes.

What to do if life insurance is imposed on compulsory motor insurance, how to refuse

Every driver should clearly know what needs to be done if a representative of a financial company imposes life insurance.

Tips on what to do:

According to the law, when applying for compulsory motor liability insurance, the client can record the conversation with a voice recorder or make a video recording. As for video recording, you can film an employee’s face only after obtaining his consent.

It turns out that you can write down what the insurer says and what documents it offers to sign.

Since there is a fine of 50,000 rubles for imposing an additional service, the insurance representative will simply offer it.

Request a written refusal

A written waiver must be requested from an authorized employee. In practice, insurers do not refuse because they understand that they are breaking the law and may be subject to fines. They can write a refusal if:

the client did not provide a complete package of documents (no passport or application)
the RSA database does not work and there is official confirmation on the portal

Apply for electronic MTPL

This is an excellent opportunity not only to obtain a mandatory protection form, but also to save time and money. Electronic insurance has become available since 2017 in all insurance companies on the market.

To apply, just visit the official website of the insurer and provide all the necessary data. In most cases, the procedure for purchasing an electronic contract takes no more than an hour.

Where to complain if you are forced to take out life insurance

If, when contacting the office, a representative of the insurer imposes additional services and refuses to issue compulsory motor liability insurance, you must write a complaint.

Where to complain:

Leave a complaint on the official website - if after a visit to the office your application is refused, without purchasing an additional service, you can leave a complaint on the official website of the insurer.

The complaint must indicate:

· when you want to receive mandatory protection without additional services.

Additionally, it is necessary to add how to communicate the results of the complaint consideration:

· to your email address;

Write a complaint to the RSA or the Central Bank - if the insurer ignores the complaint on the official website and in every possible way refuses to receive a mandatory contract, you must write an appeal to the RSA or the Central Bank. The complaint is submitted through the “feedback” form on the official website of this institution. As a rule, a few days after filing the complaint, the insurance company invites you to the office, apologizes and issues only a mandatory protection form.

The Central Bank of the Russian Federation has specially developed a memo for vehicle owners, which additionally indicates all the coordinates of the companies. The listed organizations will help protect the driver’s rights and punish the insurer who violates the law.

How to return life insurance with compulsory insurance

What to do if a life insurance contract was purchased with compulsory motor liability insurance not of your own free will? In practice, many drivers discover protection already at home, after studying all the documents. Don’t be upset, because the contract form can be terminated and you can return all or part of the insurance premium.

Return procedure:

Contacting the office - you can terminate the contract form only at the central office of the insurance company.
Writing an application - an authorized employee will be able to accept documents only if there is a completed application form. In practice, the form is issued by company employees.

It is necessary to indicate in it:

· amount of insurance premium;

· package of attached documents.

Receiving a copy of the application - after the visit, the policyholder should have a copy of the application, in which the employee will put:

A copy of the application must be certified by a seal. The document will be useful if the financial institution does not pay the funds or violates the payment deadlines.

If the application is submitted after the specified period, the insurance company will charge case management costs (CMC), the amount of which can reach 20-40% of the amount of the paid premium. The insurer also deducts payment for the days the contract is valid.

It is important to consider that a fully paid insurance premium can be returned if the application is submitted to the insurer within 5 business days after the life policy is issued. This period, according to the law, is called the cooling period.

For example, the policy was issued on November 15, 2017. The cost of the product was 2,000 rubles. Termination documents were submitted on November 29, 2017. It turns out that the protection was valid for 15 days.

1) 2,000 rubles (contract premium) / 365 days (contract validity period) = 5.48 rubles (cost of one day of insurance).

2) 15 days (how long the contract was valid) -* 5.48 rubles = 82.19 rubles (payment for 15 days of the policy validity).

3) (2,000.00 – 82.19) – 20% (RVD) = 1,476.71 rubles (received by the policyholder).

How to apply for compulsory motor liability insurance without life insurance

It is quite simple to purchase compulsory motor insurance without the famous add-ons. All the client needs to do is:

A sample application can be downloaded from this link

Prepare documents - as a rule, to draw up a contract you need to prepare:

· document for the car: PTS or registration certificate;

· diagnostic card form.

Provide a package of documents to the insurer - the prepared documents are handed over personally to an authorized specialist of the insurance company or secretary. In response, the employee must provide a copy of the application, on which to put the date of acceptance, his full name and stamp (visa).

According to the law, after receiving a complete package of documents, the financial organization is obliged to issue compulsory motor liability insurance within 30 days. Otherwise, you can write a claim and go to court.

List of insurance companies that insure without life insurance

You can apply for compulsory motor liability insurance without life insurance in:

The listed financial organizations have long proven not only their integrity, but also their solvency.

And then look at how Rosgosstrakh is imposing life insurance under compulsory motor liability insurance.

To summarize, it can be noted that a car owner is not required to simultaneously purchase compulsory motor liability insurance and life insurance. If a client is denied a service, it is necessary to complain to higher authorities or contact the office in advance, at least 30 days in advance, with a full package of documents. You can also buy an MTPL policy without add-ons remotely.

Forced to insure life when concluding compulsory motor liability insurance

Good afternoon. How to correctly refuse life insurance if the insurance company forces you to do it, otherwise they don’t do compulsory motor liability insurance. Help.

it is quite difficult to counteract this.

Try threatening them with complaints to the Central Bank (it currently supervises insurance companies), the prosecutor's office and the Federal Antimonopoly Service. There is a form for electronic appeals on the Central Bank website.

If possible, take someone with you as a witness on your next visit.

In addition, do not forget that you are not obliged to take out compulsory motor liability insurance from any specific insurer. Perhaps there is a company that enters into compulsory motor liability insurance without “makeweights”.

In accordance with paragraph 2 of Article 16 of the Law of the Russian Federation dated 02/07/1992 No. 2300-1 “On the Protection of Consumer Rights”, it is prohibited to condition the purchase of some services on the mandatory purchase of other services.

The insurance company has no right to impose additional services on you.
The insurance company does not have the right to refuse to conclude a compulsory motor liability insurance agreement, since the refusal will contradict the norms of the civil code of the Russian Federation, namely:

Article 426. Public contract
1. A public contract is an agreement concluded by a commercial organization and establishing its obligations for the sale of goods, performance of work or provision of services that such an organization, by the nature of its activities, must carry out in relation to everyone who turns to it (retail trade, transportation by public transport, communication services, energy supply, medical, hotel services, etc.).
A commercial organization does not have the right to give preference to one person over another with regard to concluding a public contract, except in cases provided for by law and other legal acts.
2. The price of goods, works and services, as well as other terms of the public contract, are established the same for all consumers, with the exception of cases where the law and other legal acts allow the provision of benefits for certain categories of consumers.
3. A commercial organization’s refusal to enter into a public contract if it is possible to provide the consumer with the relevant goods, services, or perform the relevant work for him is not allowed.

Also, in accordance with clause 1.5 of the rules of compulsory civil liability insurance of vehicle owners (approved by the Bank of Russia dated September 19, 2014 No. 431-P), the insurance company is obliged to conclude an insurance agreement with you.

Chapter 1. The procedure for concluding, amending, extending, and early termination of a compulsory insurance contract
1.5. For the purpose of concluding a compulsory insurance contract, the owner of a vehicle has the right to choose any insurer providing compulsory insurance. The insurer has no right to refuse to conclude a compulsory insurance contract to the owner of a vehicle who has applied to him with an application to conclude a compulsory insurance contract and has submitted documents in accordance with the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners.”

You can write an application to the insurance company with a request to conclude a compulsory motor liability insurance agreement, with confirmation of the fact of delivery . In the event of a negative written refusal by the insurance company to conclude a compulsory motor liability insurance agreement, the insurance company can be forced through the court to conclude an agreement. But most likely there will be no written refusal and an MTPL agreement will be concluded with you, although all this could take a month or two.

In the event of a written refusal by the insurer to conclude an MTPL agreement, you can write complaints against the insurer to the FAS, Rospotrebnadzor and the Central Bank of the Russian Federation, and you may be able to punish him somehow. All applications can be submitted via the Internet, from the websites of the relevant state authorities. organs.

In some insurance companies, the life insurance contract may stipulate that if you terminate the life insurance contract within the first few days, the insurance premium paid to the insurer will be returned to you. That is, you enter into a life insurance contract, then, after concluding the MTPL contract, write an application to terminate the life insurance contract and the insurer will be obliged to return the money to you. BUT this opportunity is not available in all insurance companies; before concluding such an agreement, you need to carefully read the conditions.

OSAGO without life insurance

Every owner who operates it is required to purchase an insurance policy for their car. The insurance contract provides payment to the innocent party in the accident. The victim may be paid the amount of damage to property, as well as life and health.

In this case, the driver responsible for the incident will not receive anything. The question arises, can he somehow receive compensation in another way? Yes maybe. If he buys an insurance policy called CASCO. Such a document will allow you to claim all the necessary compensation not only for the innocent person, but also for the cause of the damage. But is it worth insuring your liability in this way? After all, such a service is very expensive.

It costs significantly less to take out additional life insurance only. And almost any insurance company will impose this type of compensation on its client. This is due to the lack of legal knowledge among a large part of the population.

Many drivers believe that it is mandatory to register it. That this is not just useful “just in case,” but that this is everyone’s responsibility.

Next, we will consider whether it is necessary to take out compulsory motor liability insurance without life insurance, and what consequences the insurer and the policyholder may have when taking it out.

Is life insurance mandatory for compulsory motor liability insurance?

Almost every insurer considers it their duty to sell life insurance when applying for compulsory motor liability insurance. Persuasive agents cite many benefits of this design. But these are only honest agents.

Unscrupulous MTPL sellers seriously claim that this is a legal requirement. In fact, this is completely untrue. OSAGO, by default, is designed to insure only liability to other road users, but it does not create an additional source of compensation for the culprit of the accident.

The additional life insurance service is aimed at additional protection of the interests of the policyholder. However, it does not provide for payments to any other persons. Thanks to her, the culprit can receive funds to pay for his own treatment.

No one is obliged to insure themselves. But for some reason many insurers think differently and may even refuse to obtain a policy to someone who does not want to receive insurance at a higher cost.

Every motorist who does not want his rights to be violated should always remember: in addition to the MTPL itself, he is not obliged to purchase any other services in addition to it.

Where and how to buy compulsory motor liability insurance without life insurance

What should a person do if he does not want to take out life insurance and does not want to be a victim of the arbitrariness of intrusive insurers and where he can calmly take out compulsory motor liability insurance without unnecessary additional services.

The answer to this question is very simple. He can do this at any insurance company. Even in the one that proposes to include a mandatory clause on additional services in the compulsory motor liability insurance policy. The law is the same for everyone.

There is a special procedure established by law that protects a citizen from unlawful actions on the part of insurance companies. Those who do not want to waste time protecting their rights can be advised to contact large insurance companies well known throughout the country.

They value their image very much, and their employees usually do not allow such arbitrariness. Reputation and good name are very valuable indicators for such organizations. They are unlikely to want to ruin them in pursuit of easy profits.

The maximum that their employees can express regarding additional services is a simple proposal and description of the possibilities.

But why are other insurance companies not afraid of losing their reputation and why are they so persistent in offering what they consider a mandatory life insurance product? Let's look further.

Why do insurance companies impose life insurance on compulsory motor liability insurance?

This seems pretty obvious. Insurers push life insurance because they want to make money. But why do they so boldly sell this particular product, not shying away from pointing out that they won’t issue compulsory motor liability insurance without it.

It's all about our mentality. When it comes to issues of theft or body damage, drivers still calmly allow such a situation to happen, trusting their driving skill.

But when it comes to life and health, many people think that in general, it would be nice to insure it too. Companies take advantage of this, and in order to push a hesitant consumer to purchase, they invent that purchasing life insurance is not only important, but also strictly necessary.

And many clients fall for this trick. To avoid becoming a victim of such misconceptions and your emotions, you need to carefully weigh the risks. A person with many years of driving experience who only uses a car to get to and from work is unlikely to need such insurance.

You can spend the money for much better use, rather than lining the pockets of an unscrupulous insurer.

But what to do in a real situation if the insurer is adamant? How can we achieve justice?

Where to complain when imposing life insurance on OSAGO

So, let’s say, after applying for a policy, the insurer refuses to issue compulsory motor liability insurance without purchasing life insurance services.

The most important thing is not to panic. You need to calmly explain to the insurer that he does not have the right to demand such purchases from you in accordance with the law. Having realized that you are a legal knowledgeable person, you are unlikely to be deceived and will issue a policy without additional problems.

If the insurer stubbornly refuses to recognize your rights, you should request a written explanation from him or record the conversation on a voice recorder.

Subsequently, this evidence will be useful when filing a complaint with one of the following competent authorities.

Russian Union of Motor Insurers. In fact, this is a serious organization, its undoubted advantage is the speed of work and ease of use. All you have to do is call the hotline and explain the situation. In most cases you will get help quickly.
Federal Antimonopoly Service. It makes sense if you want to ruin the life of an insurance company. After receiving a competent complaint, the inspection body can carry out a serious inspection of the insurer. But it is much more effective to go to court to get the final result.
The decision of the judicial authority will oblige the insurance company to issue a policy without any additional conditions. The company cannot fail to comply with it - otherwise it will be forced to pay penalties.

By the way, for imposing additional services, the insurer, in accordance with the law, can be held administratively liable and will pay a significant fine if his guilt is established - up to 50,000 rubles.

Is it necessary to take out life insurance when insuring a car? Do they have the right to oblige life insurance?

Is it necessary to take out life insurance when insuring a car? For some time now, this question has interested almost all motorists who are taking out insurance for the first time. And those who renew an existing document also do not always know the answer to this question.

Since a compulsory motor liability insurance policy is mandatory for purchase, many insurance companies have begun to actively offer various related services as the “cherry on the cake.” It is possible to understand them. After all, the more services an insurance company manager can sell, the higher his own remuneration will be. But every insurance costs money, and often quite a lot. So is it worth buying an additional service, especially if you don't need it?

In this article we will try to answer the questions that concern every car owner. Is it necessary to take out life insurance when insuring a car with Ingosstrakh, RESO, Rosgosstrakh and any other organizations? Let's think about it.

Imposing additional services when applying for insurance

Since few people know for sure whether it is necessary to take out life insurance when insuring a car, many insurance companies, even quite large and eminent ones, have begun to use this fact to their advantage. It got to the point that insurers began to massively refuse to issue compulsory motor liability insurance without purchasing additional service packages. At the same time, they all cannot help but understand that such actions are absolutely illegal.

The calculation is that few car owners will want to waste their nerves and money in an attempt to defend their rights. Approximately 70% of motorists agree with the requirements of insurers and purchase a service they do not need.

Is it necessary to take out life insurance when insuring a car? Soglasiya, MSK, Ingosstrakh and other insurance companies know for sure that no. But what happens in practice? Here's what. When you come to take out a policy, there are a thousand and one reasons to refuse you. But do you really need to travel? Then you will have to agree to all the proposed conditions or look for another insurer.

What does the law say?

Is it necessary to take out life insurance when insuring a car? No and no again! And this statement is by no means unfounded, but is confirmed by the following laws:

“About MTPL” - this document does not imply the mandatory presence of any other insurance.
“On the protection of consumer rights.” Yes, Art. 16.2 tells us that conditioning the purchase of one product on the purchase of another “in addition” is prohibited.
Code of Administrative Offenses, Art. 15.34.1. It provides for the liability of the insurance company for unmotivated refusal to issue compulsory motor liability insurance, as well as coercion to purchase an additional service. The fine for such an offense is 50 thousand Russian rubles.

Why is additional insurance for anything not necessary?

Of course, every driver, even the most careful and careful, risks his life and health while on the road. But whether it is necessary to take out life insurance when insuring a car, only he can decide for himself. Since nowhere, in any legislative act, are these types of policies mentioned together, life insurance is absolutely not related to the operation of compulsory motor liability insurance. As the main law of the state states, a person has the right to manage his own health and life. Therefore, in this case, coercion is a direct violation of current legislation.

Why is this happening? This is primarily what unscrupulous insurers do. Taking advantage of the fact that many consumers do not always know their rights and are not ready to defend them, they strive to get as much illegal profit as possible. However, this phenomenon can and even must be combated.

How to find a suitable insurance company

For example, to the question “is it necessary to insure life when insuring a car?” Uralsib will answer only positively. And for some reason, according to reviews from social media users, it is this insurance company that receives the largest number of complaints. However, other insurance companies are not too far behind either.

There are at least two most common tricks that unscrupulous insurers resort to. When you come with the intention of renewing your insurance, the MTPL forms suddenly run out or the computer program freezes. All obstacles miraculously disappear when the client agrees to take out additional insurance.

At the same time, it is very difficult to answer the question of how to find the best insurance organization. The fact is that the same insurance company can work conscientiously in one region and commit violations in another.

So, if you doubt whether it is necessary to take out life insurance when insuring a car, for example, it is better not to go to VSK. At least in the Ryazan region. According to numerous reviews from car owners, most offices of this insurance company will not even explain anything to you. Don't take out life insurance? Then there are no MTPL forms, come back in a week. However, it is likely that such reviews are erroneous.

How to protect your rights: method one

Having read this far, you probably already understand whether life insurance is necessary when insuring a car. It is quite possible to obtain compulsory motor insurance without paying for additional services. How to do it? There are at least 3 completely legal ways. As practice shows, they are all very effective.

Knowing about the possible difficulties in obtaining a policy, stock up on a voice recorder or the presence of two witnesses in advance. Invite the insurance company employee to issue compulsory motor liability insurance, and indicate that you do not intend to take out any other insurance. In this case, you can notify the insurance company manager in advance that your conversation is being recorded on a telephone, voice recorder or video camera. If you are refused, then, regardless of the reason, require written confirmation that it is impossible to issue compulsory motor liability insurance.

After that, all you have to do is put the car in the garage and go to court. All available evidence must be attached to the application: refusal, voice recorder recording, written testimony of witnesses, and so on.

This method has certain advantages:

you will receive MTPL without additional “options”;
you can demand a certain amount from the offender for moral damage - you were forced to use public transport and were very worried about it;
if you use the car for business purposes, you can add the amount of lost profits;
You can recover real damages: return money for taxi rides, bus tickets, subway tokens, and so on.

This method also has a drawback - the trial can take about three months.

Method two

For those who do not have time to wait so long and run around the courts, there is another option:

come to any insurance company;
declare your desire to obtain compulsory motor insurance;
you listen to the manager’s moans that there are no forms, after which you agree to all the conditions;
pay for all additional insurance services and receive the treasured compulsory motor liability insurance;
the next day (or maybe the same day) write a statement addressed to the head of the department of the insurance company with a request to terminate the life insurance contract;
as a reason, you can directly indicate that you had no intention of concluding such an agreement, and the manager did not explain to you your right to refuse it;
Please attach your policy, contact phone number and bank details to your application;
send all this to the IC by registered mail with receipt receipt and wait patiently for 14 days.

However, there is one pitfall here that is definitely worth paying attention to. This refers to the penalty that you will have to pay for canceling the policy. If it is more than 10-15% of the cost, then it does not make sense. In this case, the method cannot be called sufficiently effective.

Another option: FAS

A visit to the Federal Antimonopoly Service (abbreviated FAS) can also bear fruit. True, for this you will have to obtain an official refusal to issue compulsory motor liability insurance. As you understand, the Investigative Committee is in no hurry to hand him over.

If they don’t give you a written refusal, but also don’t issue a policy without mandatory life or property insurance, agree. But when signing the document, next to your signature in 2 copies, write “without compulsory property insurance (life or anything else), the provision of compulsory motor liability insurance was refused.” Now, with your copy, feel free to go to Rospotrebnadzor or the nearest FAS branch. There they will help you restore your rights, and the insurance company will fine you.

Conclusion

Since today the majority of car owners are still not ready to defend their rights, many insurance organizations continue to pursue their illegal customer service policies. To turn the situation around, it is imperative to respond to each such case. Since you now know for sure whether it is necessary to insure life when insuring a car at MSK, Sogaz, Prominstrakh, NASCO or any other company in Russia, you will no longer be able to impose an unnecessary addition on you.