MTPL policy without additional services

OSAGO insurance without additional insurance - how and where to buy an OSAGO policy without additional services in 2019

We have previously looked at taking out insurance without life insurance, but this is not the only addition that the insurance company can impose on you. In this article I would like to discuss one of the global problems of motorists - where and how to apply for and buy an MTPL policy without additional services.

OSAGO without additional insurance in 2019

Today, the problem is the sale of uncoordinated add-ons, such as life insurance, CASCO, DSAGO, vehicle maintenance, etc. it is not as acute as, for example, in 2014. However, in order to find an honest company, you will have to spend more than one hour of your personal time.

Car insurance in our country is strictly controlled by legal acts, which in turn should have an impact on insurance companies. For example, the imposition of services is regulated by the Law on the Protection of Consumer Rights. But, as can be seen from a living example, few people care about this.

Any additional service can be listed as an additional option, but not an integral part. For example, they should offer life insurance, but not force it on them, and refuse to enter into a compulsory motor liability insurance agreement if they refuse unnecessary services.

How to insure a car without additional insurance in 2019

Surely in your city you know exactly where this or that insurance company is located. But if you contact several of them, you will be offered compulsory motor insurance at an inflated price. Some insurance organizations also practice signing up clients for an “honest” contract, a queue that can stretch for several months in advance.

So, what do you need to get a policy without unnecessary services?

To begin with, you should not wait until the expiration date of your policy. A week or better yet a month in advance, start looking at reviews of companies on the Internet. But it would be safer to personally go to the offices and assess the situation.

Before entering the office, turn on a video or audio recording on your phone so that, if necessary, you can provide this as evidence regarding the illegal actions of the insurer. If you also have one or two witnesses (relatives, friends, etc.) with you, it will be even better.

Next, we approach the employee and ask him to calculate the compulsory motor liability insurance for us. The total amount should not exceed that given by the insurance calculator. If you are taking out a policy for the first time, then it is better to calculate the insurance premium in advance in order to roughly get your bearings.

If the amount is overestimated, then do not hesitate to ask on what basis it is several thousand higher, if you previously took out a policy much cheaper. Most likely, they will tell you that your insurance includes life and maintenance insurance, since they do not trust your completed diagnostic record.

The next step is to ask how you can refuse additional insurance for compulsory motor liability insurance. You will be asked to write an application to refuse this service, which they will consider from 1 to 30 days. And for a month you must somehow manage without a policy. If this option suits you and you have a free month, then you can study a sample application for compulsory motor liability insurance without additional services.

From there, little remains to be done. We collect all the information received (video, audio recordings, witness statements, etc.) and send it to the RSA and the Central Bank of Russia. There will be a thorough check, after which you may finally be able to apply for compulsory motor liability insurance without additional charges.

As practice shows, here you either have to put up with fraud or defend your rights to the end. However, dishonest companies have always been and will be in our market.

For those who are planning to renew their policy, I recommend that you apply for it via the Internet, since no one can impose anything on you there and you can also save a lot of your personal time and nerves.

How to get an MTPL policy without additional services?

Today, car owners often complain that using a car causes many problems. This is especially true when you need to purchase MTPL insurance. The question is that when purchasing a policy, many drivers pay extra money, since they have to pay for services imposed from above. What does the law say about this, and is it possible to get insurance without additional services? Let's figure out what to do if you had to pay for a policy on the insurer's terms.

Are the insurance company’s requirements for additional services for compulsory motor liability insurance legal?

Many vehicle owners ask whether it is legal for an insurer to impose life and health insurance services when concluding a compulsory motor liability insurance contract. If you carefully study the laws, the car owner can take advantage of Bank of the Russian Federation Regulation No. 431-P dated September 19, 2014. Appendix No. 1, clause 1.5 states that the car owner can contact any insurance company of his choice to conclude a compulsory motor liability insurance agreement.

Company employees cannot refuse to issue a policy if the policyholder does not want to pay for additional services.

Insurers often cite the following reasons for refusal of MTPL: there are no forms, management does not allow issuing policies without life and health insurance. If you are told such reasons, then the law is being violated. Insurance companies always have the required forms.

If a car owner decides to conclude a compulsory motor liability insurance agreement only for a car, without additional services, then such a right is guaranteed to him by law. Life or health insurance can only be done voluntarily.

Where to file a complaint if rights are violated

Every driver or vehicle owner has the right to complain to the insurer if the law is violated. To do this, you need to collect a package of papers proving the fact of violation of rights and submit an application requesting termination of the contract to the following organizations:

Central Bank of the Russian Federation.
Prosecutor's office.
Rospotrebnadzor.
FAS is the federal antimonopoly service.
Association of insurers.

They impose health insurance - what to do?

It has become a popular practice to impose additional insurance that the policyholder does not need at all. In accordance with the legislation of the Russian Federation, the insurance contract is a public document. According to the Civil Code, all conditions specified in this document are equal for everyone. Any organization engaged in motor third party liability insurance does not have the right to refuse a car owner to issue an MTPL policy.

If you purchased an insurance contract due to forced circumstances and according to requirements imposed by the insurer, then you need to provide evidence that it was under duress.

The procedure is as follows:

When drawing up a contract, you must indicate that the service is imposed and write: “I do not agree.”
Record a conversation with a company employee. During the conversation, you need to focus on the fact that the service is imposed.
Send a written complaint to the main office of the insurance company. Attach an audio recording of the conversation with the agent, a copy of the MTPL policy with a note about the imposition. In the complaint you need to write a request to terminate the contract and return the money to the specified details.
In addition to the insurer, the complaint is most often sent to the prosecutor's office, the Central Bank of the Russian Federation, the Union of Auto Insurers and Rospotrebnadzor.

Within a month, the complaint must be reviewed and action taken. The applicant is sent written notification of the results. If a complete package of evidence is collected, the court will most likely rule in favor of the applicant.

How to get your money back

Excess amounts paid for additional insurance can be returned legally. You can submit an application to the court, or to the insurance company at the main office, indicating a request for the return of money. But it is necessary to provide evidence of imposition . When filing a complaint with the court, you can demand a refund of the amount, both for an additional service and for moral damage.

The Civil Code specifies that property, health and life insurance for people is provided on a voluntary basis. Insurance should not be forced upon a person if he or she does not want it.

Refusal for MTPL policy - what to do

Before going to the insurance company, prepare an application form at home in advance and fill it out. Make 2 copies, and if you are denied insurance, ask the employees to indicate the reason for the refusal. All types of forms can be found and downloaded on the portal of the Union of Auto Insurers. You can contact the head of the insurance company in writing or orally.

If your application is not accepted, send it by registered mail. Please attach copies of the following documents:

Inspection card.
STS or PTS for a car.
Driver license.

The envelope must contain a notice and a list of documents. It may turn out differently: the insurance company employees did not receive the letter, and you will receive your own letter back. A mark is placed on the notification indicating that the storage period for the letter has expired.

In this case, you can file a complaint with the court. Indicate in it a request to conclude a compulsory motor liability insurance agreement. This procedure is lengthy, so lawyers recommend not waiting for the insurance period to expire, but preparing the papers in advance.

The application must be filled out manually. The judge's last name, first name, patronymic, yours, phone number, place of residence are written in the header. In the text of the statement, briefly describe the essence of the issue. For example, “I ask you to issue an undertaking to the insurance company Spasskie Vorota to issue me a compulsory motor liability insurance policy. I was refused such a service, citing what the management prohibited. In addition, I sent them a letter with a package of documents, but they refused to receive it.”

To prove the fact, attach documents confirming that the letter was sent to the insurer. If you do not want to take out car insurance voluntarily, then you will be fined for this.

Where can I get compulsory motor insurance without additional charges?

Any motor insurance company must issue and conclude MTPL contracts without additional conditions. Their imposition occurs due to commercial benefits, since the “automobile citizen” is inexpensive compared to other types.

How to legally refuse additional services

It is important to act correctly and without violating the law. You decide to go to the insurer, but you assume in advance that other services will be imposed. Prepare for this in advance. If possible, print out and take with you the laws: “On compulsory motor liability insurance”, “On the protection of consumer rights”.

When communicating with the agent, you need to remind him that if other services are imposed and the registration of compulsory motor liability insurance is refused, a fine of 50-300 thousand rubles may be imposed. This is stated in the Administrative Code.

How to get an electronic policy

This service was established by Russian law back in January 2017. All insurance companies are required to issue electronic policies, without additional services. Today, such an agreement can be concluded in almost all companies under the “automobile civil law”.

By receiving an MTPL policy through the worldwide network, a person can enjoy the following benefits:

The websites have convenient calculators that allow you to calculate the exact cost of the contract.
There is no need to stand in line, the procedure is simple and does not take much time.
There are no additional requirements or services.
Decoration can be done at any time, even at night.

It is recommended that you know your rights and assert them if necessary. Imposed services can be appealed even after receiving the policy within 5 days. If your application is not accepted, the company faces a large fine. Know that you must provide proof that several additional services were imposed on you when purchasing insurance.

The procedure for issuing an MTPL policy without additional services in 2019

Car insurance today is an important requirement for the owner. If the vehicle will be used, then this procedure must be completed. OSAGO is the most popular option available to most citizens. However, is it possible to buy an MTPL policy without additional services and how to do this?

What the law says

The main legal act regulating the process of issuing a policy is the Federal Law of April 25, 2002 - No. 40-FZ “On compulsory insurance of civil liability of vehicle owners.” However, information about whether life insurance is mandatory under compulsory motor liability insurance in 2019 is unlikely to be obtained from it.

You should refer to Art. 16 of the Law of the Russian Federation dated 7.02.92 - No. 2300-1 “On the Protection of Consumer Rights”, which states that the buyer can count on receiving the service for which he originally applied. The seller does not have the right to refuse the purchaser to obtain compulsory motor liability insurance without health and life insurance.

Despite the fact that it is in the interests of the company to sell more products, neither the new law on compulsory motor liability insurance nor any other law can limit its right to offer, but not impose them.

What are additional services

When visiting insurance companies for the first time and receiving compulsory motor liability insurance, clients often find themselves in a difficult situation. They are offered a number of other contracts for services that were not initially planned to be purchased. Here, company representatives often literally impose them in order to generate additional profit. The most popular option is to convince the client that he must insure life when purchasing compulsory motor liability insurance.

Not all clients are able to understand the legality of imposing such services on the spot. This is why they spend more than they originally expected. Car insurance without own life insurance is normal practice and the legal right of the car owner. Other additional services that are often persistently offered to the client include:

DSAGO and CASCO – can be purchased by car owners and provide more complete protection for an inexperienced driver or the owner of an expensive car;
health insurance;
emergency commissioner;
tow truck;
comprehensive personal insurance.

The company has the right to offer services, and the client can refuse without losing the opportunity to conclude an MTPL agreement. In the opposite situation, the company's actions are illegal.

Why is life insurance imposed?

The company's position is clear - the more sold, the more significant the profit. In addition, imposing additional services for compulsory motor liability insurance in the form of an agreement whose purpose is life insurance is the simplest. The client can be presented with information in such a way that he needs it.

Do insurance companies have the right to impose life insurance? The answer is clearly negative. They can offer, but they can’t force you to purchase or refuse to sign the main contract.

How to get your money back

If the purchase has already been made, and the realization of its uselessness came later, there is a chance to get the money spent back. You can return the money for the imposed insurance no later than 5 days after purchasing it. To do this, you should personally contact the company and report this need.

An application for a refund for life insurance is drawn up on a special form. You can receive it directly at the time of application or download it on the Internet for review.

If you terminate a life insurance contract purchased with compulsory motor liability insurance in time, the money spent must be fully returned.

Free legal consultation by phone:

Moscow, Moscow region. +7 (499) 322-27-86

St. Petersburg, Leningrad region. +7 (812) 407-29-43

Calls are free. We work seven days a week!

Is it possible to insure a car without additional services?

It’s possible to get compulsory motor third party liability insurance without additional extra charges. To do this, when you receive an offer of other services, you must refuse them. By law, the company does not have the right to impose them or refuse to enter into a basic agreement.

How to refuse additional insurance? To do this, the buyer only needs to verbally indicate his position. If there is a refusal, you can apply to protect your rights.

List of insurance companies

There are many options on the market, but which one to choose is not always clear. Where can I insure my car without additional insurance? Here is a list of the most reliable companies:

VTB insurance;
ROSNO;
Rosgosstrakh;
SOGAZ;
AlfaStrakhovanie;
Transneft;
VSK;
Ingosstrakh.

An interested person can contact another company and clarify the issue of purchasing MTPL. If additional costs are imposed, you can choose another insurer.

If the agent refuses to enter into an agreement

When a company does not want to formalize an agreement without purchasing additional services, the policyholder has the right to defend his interests. In practice, insurance agents, knowing about the illegality of the refusal, do not make it directly, but give various arguments that do not allow concluding an agreement here and now: application forms or contracts have run out, the computer program for data processing has frozen, and any others.

Where can I complain about an insurance company (IC)? There are several options:

The Central Bank of the Russian Federation controls the work of all insurance companies, therefore it has enormous influence on them;
FAS;
RSA or VSS - these organizations were created to protect the rights of car owners in matters of insurance;
Rospotrebnadzor;
Prosecutor's office or court.

The last option is preferable if all others did not bring the desired result. The main task of the interested party is to prove the illegality of the actions of the Investigative Committee.

Buying insurance online

It is easier to apply for compulsory motor third party liability insurance without additional charges online than by contacting the company in person. On the Internet, the user chooses whether he needs a specific service; it is impossible to impose something.

How to obtain MTPL insurance online? To do this, you must perform the following steps.

Choosing an insurer that provides services online.
Enter the site.
Using an online calculator to pre-determine the cost of purchasing a policy.
Filling out a form, including information about the vehicle, owner, and persons who will drive the vehicle.
Entering email for feedback.

The completed policy will be sent by e-mail, all that remains is to print the insurance.

It is possible to apply for compulsory motor liability insurance without additional services. To do this, you need to carefully calculate the future value of the contract, especially since there are online calculators for this purpose today. If the price of insurance is greatly inflated, it is advisable to check with a company representative why this happened. When it turns out that other services are included in the price, you should refuse them if necessary. This should not affect the possibility of drawing up the underlying contract. Otherwise, you should defend your rights, including by filing a claim in court.

Free legal consultation by phone:

Registration of compulsory motor liability insurance without additional services - myth or reality

When purchasing a compulsory motor vehicle insurance policy, it often turns out that in addition to the usual clauses of the insurance contract, it includes a lot of various additional services. These “add-ons” significantly increase the cost of the policy. How can you apply for compulsory motor liability insurance without additional services?

If you have not previously applied for a “clean” motor vehicle license, our instructions will be very useful to you.

What “extras” are imposed?

The most common additional service is called DSAGO - additional payments in case of an accident. The payment limit for this service is up to 1 million rubles, and the usual compensation under compulsory motor liability insurance is 400 thousand. Accurate and experienced motorists do not have an urgent need for it, and it is suitable for such categories of drivers as:

inexperienced, beginners;
unsure of themselves, cautious;
“reckless drivers”, lovers of high speeds.

Insurance companies most often impose the following services:

Life and health insurance. In order to include this clause in the contract, the insurer makes the following argument - a car is a vehicle of increased danger and it is necessary, just in case, to protect the future of your loved ones.
Technical inspection. Passing a technical inspection at a service station, which is strongly recommended by an insurance company employee. You can refuse this service on the basis of the Law “On Protection of Consumer Rights”.
Accident insurance. This additional clause of the contract provides for payments to all victims who were in the car at the time of the accident. An alternative to this additional service is honey. insurance.
Damage compensation without taking into account wear and tear of the vehicle. When paying for this insurance service, it is possible to receive full compensation for damage; the condition of the car before the accident is not taken into account.
Emergency commissioner. This type of additional services are usually included in the CASCO policy, so you can get little benefit from it. A specialist who came on behalf of the company may underestimate the amount of compensation paid.
Tow truck. This item is also included in the mandatory CASCO package and it is better to refuse it. You can call a tow truck directly from the scene of the accident through the insurer.
Legal support. This type of service is not legalized in the Russian Federation, which means it is illegal. It includes the assistance of a specialist in collecting various certificates and documentary evidence.

By imposing various types of additional services, insurance companies are trying to compensate for the losses they incur when paying compensation from the auto insurance company.

How to apply for compulsory motor liability insurance without additional services

Before applying for a car license, you need to choose an insurance company. This issue should be taken seriously - a month or more in advance, start looking for a suitable company where you can buy insurance without extra charges or problems.

To do this, you can communicate with other car owners who have already issued MTPL, or visit several offices in person.

Then collect the documents necessary to conclude the contract:

personal passport;
vehicle registration certificate;
driver license;
previous MTPL policy, if an insurance contract was previously concluded;
certificate of accident-free driving (needed when changing insurer).

We contact the selected insurance company with documents regarding the acquisition of a motor vehicle license. This is followed by signing and paying for the insurance, if the parties to the contract are satisfied with everything, and receiving the policy in hand.

We refuse services in the office

Before visiting the insurance company, you need to prepare a voice recorder and video camera. When an employee begins to impose unnecessary optional services, there will be evidence of this offense. It wouldn't hurt to take a couple of relatives or friends with you. In case of refusal to issue a policy without additional provisions, there will be witnesses.

You need to contact an insurance agent so that he can make a preliminary calculation of the cost of compulsory motor liability insurance. The amount must match the total number on the insurance calculator. When concluding a car insurance contract for the first time, it is advisable to independently calculate the insurance premium in advance. If the policy is not issued for the first time, then you need to focus on last year’s cost.

Without hesitation, you need to immediately find out if the insurer’s amounts and the calculator’s calculations do not match. The difference in cost may be imposed additional services. You must refuse them immediately in the office. The insurer does not have the right to refuse to purchase a “pure” MTPL policy on the basis that this type of insurance is essentially a public contract. If an employee refuses to issue compulsory motor liability insurance without additional insurance, you must ask for a refusal in writing, which they are prohibited from doing, and he will be forced to issue insurance.

Cooling period

There are situations when the owner delayed registration until the last day or succumbed to the persuasion of an insurance company employee and signed an insurance contract with additional services. To challenge such an agreement, there is a so-called “cooling off period”. This is the period of time during which you can terminate the imposed contract and return the money. In 2018, the “cooling off period” was extended from 5 working days to 14 calendar days.

To terminate contractual obligations for car insurance, you must write an application and submit it (preferably in person or via express mail) to the head office of the insurance company. When submitting a refusal to the company, you must have your passport with you. On the day when the company receives a written notice of refusal from the client, the insurance contract is considered terminated. Money must be returned within 14 calendar days from the date of termination.

In the event that car insurance has not yet taken effect, the insurance company returns 100% of the insurance premium paid by the client for imposed extras. And if some time has passed since the beginning of the insurance contract, then part of the amount is deducted, which covers the elapsed days of the insurance policy. The company may not return funds if an insured event occurs during the cooling period.

The client has the right to choose how the money will be paid in cash or by bank transfer.

If the insurer ignores the application, then you need to file a claim with the judicial authorities. To do this, you will need evidence of violations - video, audio recordings, testimony of witnesses, a written refusal from the Investigative Committee.

Obtaining a policy online

The method of obtaining MTPL insurance online is becoming popular due to its simplicity and time saving. To buy a car license, you don’t even need to leave your home. To fill out an application for purchasing a policy, all you need is a little free time and a computer with Internet access. The completed online questionnaire is automatically sent to the manager of the selected insurance company and is reviewed in the near future.

One of the advantages of virtual registration is that the client independently chooses whether he needs additional services or not, and you can also calculate the amount using an insurance calculator.

Which companies can I get insurance from?

According to the legislation of the Russian Federation, any insurance company is obliged to conclude a compulsory motor liability insurance contract without additional services. But if you don’t want to deal with an imposition when purchasing, it’s best to use online insurance.

How to choose an insurance company to buy “pure” insurance? It is best to focus on the company with which the MTPL agreement was previously concluded. If you are taking out insurance for the first time, you can visit several companies and choose the right one from them. Or ask other car enthusiasts where they apply for a car license.

The same insurance company, for example, Rosgosstrakh in Moscow, issues an MTPL policy without additional services; in other regions, employees of the same insurance company may impose additional services on clients.

Where to complain about an insurance company

The car owner decided to challenge the imposed services when concluding an MTPL insurance contract. To do this, he, with the necessary documents confirming the refusal to issue a “clean” policy and evidence of the imposition of additional. services you need to contact the following institutions:

Central bank;
RSA;
Rospotrebnadzor;
Prosecutor's Office;
Federal Antimonopoly Service.

In order to avoid turning to these organizations for help with claims and complaints, before concluding a compulsory insurance contract, you must carefully and promptly select an adequate insurance company or apply for a motor vehicle insurance policy via the Internet.

The procedure for issuing an MTPL policy without additional services in 2019

What the law says

What are additional services

DSAGO and CASCO – can be purchased by car owners and provide more complete protection for an inexperienced driver or the owner of an expensive car;
health insurance;
emergency commissioner;
tow truck;
comprehensive personal insurance.

The company has the right to offer services, and the client can refuse without losing the opportunity to conclude an MTPL agreement. In the opposite situation, the company's actions are illegal.

Why is life insurance imposed?

Do insurance companies have the right to impose life insurance? The answer is clearly negative. They can offer, but they can’t force you to purchase or refuse to sign the main contract.

How to get your money back

An application for a refund for life insurance is drawn up on a special form. You can receive it directly at the time of application or download it on the Internet for review.

If you terminate a life insurance contract purchased with compulsory motor liability insurance in time, the money spent must be fully returned.

Free legal consultation by phone:

Moscow, Moscow region. +7 (499) 322-27-86

St. Petersburg, Leningrad region. +7 (812) 407-29-43

Calls are free. We work seven days a week!

Is it possible to insure a car without additional services?

How to refuse additional insurance? To do this, the buyer only needs to verbally indicate his position. If there is a refusal, you can apply to protect your rights.

List of insurance companies

There are many options on the market, but which one to choose is not always clear. Where can I insure my car without additional insurance? Here is a list of the most reliable companies:

VTB insurance;
ROSNO;
Rosgosstrakh;
SOGAZ;
AlfaStrakhovanie;
Transneft;
VSK;
Ingosstrakh.

An interested person can contact another company and clarify the issue of purchasing MTPL. If additional costs are imposed, you can choose another insurer.

If the agent refuses to enter into an agreement

Where can I complain about an insurance company (IC)? There are several options:

The Central Bank of the Russian Federation controls the work of all insurance companies, therefore it has enormous influence on them;
FAS;
RSA or VSS - these organizations were created to protect the rights of car owners in matters of insurance;
Rospotrebnadzor;
Prosecutor's office or court.

The last option is preferable if all others did not bring the desired result. The main task of the interested party is to prove the illegality of the actions of the Investigative Committee.

Buying insurance online

How to obtain MTPL insurance online? To do this, you must perform the following steps.

Choosing an insurer that provides services online.
Enter the site.
Using an online calculator to pre-determine the cost of purchasing a policy.
Filling out a form, including information about the vehicle, owner, and persons who will drive the vehicle.
Entering email for feedback.

The completed policy will be sent by e-mail, all that remains is to print the insurance.

Free legal consultation by phone: