The insurance company imposes additional services for compulsory motor liability insurance

What to do if additional insurance is imposed on you

Car owners continue to accuse insurance companies of imposing additional services when purchasing compulsory motor liability insurance and complain about the difficulties in purchasing these policies. We'll tell you how to act when unscrupulous insurers avoid selling compulsory motor liability insurance or impose additional services.

Imposing additional insurance to OSAGO in numbers

RSA continues to monitor sales of MTPL contracts on a daily basis. First of all, in those regions where the situation with the implementation of policies is the most difficult. When the Central Bank announced changes in the direction of growth (by an average of 50%) the basic rates of compulsory motor insurance, which began to operate on April 12, in most regions of the Russian Federation a critical situation arose with the availability of these policies.

RSA published preliminary results of daily monitoring. Over the five days of April (from 6 to 10) 2015, the union received 235 claims against insurance companies and insurance agents, almost all of them were verbal: motorists contacted by phone or came to the RSA representative office and talked about problems with sales.

Most of the complaints relate to refusals to enter into MTPL contracts and the imposition of other insurance . The largest number of complaints was registered in the Ural Federal District - 118, of which 73 related to refusals to sell compulsory motor insurance, 38 - to the imposition of additional services, 7 - to the remoteness of branches of insurance companies. 12 appeals were accepted in the Far Eastern Federal District, 27 each in the Siberian and Southern Federal Districts, 31 in the Volga Federal District. During the specified period, the executive office of the union received 4 requests for refusal to sell the policy and 16 for the imposition of additional services. But, naturally, not all “victims” complain to the RSA.

How insurers refuse to sell OSAGO

On the eve of the increase in prices, insurers did not want to sell policies at the previous rates and in every possible way prevented consumers from concluding compulsory auto insurance contracts. In addition to customer complaints about long queues at points of sale and reduced working hours in companies, other reasons were added. As before, motorists complained about attempts to “foist” additional services (for example, insurance for an apartment, house, cottage, accident, life, etc.) when purchasing compulsory motor liability insurance. Insurers inform those policyholders who do not agree to additional services that the forms have run out or justify the refusal with some kind of management order. Also, insurers often refuse to sell compulsory motor liability insurance , since allegedly there were technical failures in the AIS RSA database (a unified database on compulsory motor liability insurance), and this is often not true.

Refusal to conclude an MTPL agreement is unlawful!

Nikolai Tyurnikov, who is the president of the gas station, argues that any refusal by the insurer to sell a policy, regardless of the reason, is considered unfounded . OSAGO is a public contract, therefore the insurance company is obliged to conclude such an agreement with each interested client. Car owners who, when trying to purchase an MTPL policy, come across unscrupulous insurers and the imposition of additional services, are usually forced to apply for the desired document to several companies. “This causes indignation among drivers only when they have bypassed a dozen companies - and, accordingly, in this case they begin to act somehow,” says Mr. Tyurnikov.

Cases of lawful refusal in compulsory motor liability insurance

RSA says that it is lawful to refuse to sell compulsory motor liability insurance in a situation where the insurer has run out of policy forms and cannot obtain additional ones because it has exhausted its quota for them. Also, the refusal is considered legal if the consumer has not provided the entire package of necessary documentation or it does not meet the requirements. If the insurance company explains the situation by exhaustion of the quota, the client is recommended to request a reasoned response from it in writing, which must subsequently be sent to the Central Bank or RSA.

What to do if additional insurance is imposed on compulsory motor third party liability insurance

“If an insurance company still does not want to sell compulsory motor liability insurance, this needs to be recorded somehow. You can send an application to the insurance company to conclude an insurance contract in the prescribed form. This is done by mail with acknowledgment of delivery. This will provide an opportunity to prove that the company received your application. The fact of refusal to sell a policy in the office itself can be confirmed using audio, photo or video devices. These means should make it possible to identify the circumstances and location of the failure, as well as determine the exact date and time,” the RSA explains.

How to record a refusal to sell an MTPL policy

Mr. Tyurnikov says that insurers do not give written refusals. Therefore, it is sufficient to record the fact of refusal to sell a policy or the imposition of additional services with witness testimony (in writing with contact information of witnesses) and a video or audio recording. Next, you need to write an application to the Central Bank. “The regulator will not speculate whether there is enough or not enough evidence. There is confirmation - that's it, an instant fine. Therefore, it is better to visit one insurance company with a witness (acquaintance, friend) than to run around many organizations alone, faced with a problem,” he recommends and reminds that for refusal to implement an MTPL policy, the insurer faces sanctions - a fine of 50,000 rubles. “If they refuse a hundred clients, they will accordingly pay a fine of 5,000,000 rubles,” the expert emphasizes.

Be careful when recording photographic and video evidence

Vyacheslav Golenev, a senior lawyer at the Moscow bar association Zheleznikov and Partners, believes that video recording is unacceptable in disputes with insurers, since Article 152.1 of the Civil Code of the Russian Federation states that the publication and subsequent use of a person’s image (including his photo, video recording or work artistic art on which it is depicted) are allowed only with the consent of this person. “This also applies to insurance company employees,” he adds.

What is an imposed service?

Igor Yurgens, head of RSA and VSS, believes that it is often difficult to separate the imposition of services and cross-selling . He considers abuse to be situations in which a mandatory condition for concluding a compulsory motor liability insurance contract becomes the condition of purchasing a policy for another type of insurance or another service. (We must remember that not only another type of insurance can be imposed, but also a technical inspection and even a requirement to wash the car for a couple of thousand.) “If cases of imposition of additional services are confirmed and we receive unbiased complaints, RSA will begin to use tough measures, based on the rules of the professional activities and legal requirements,” the expert warns.

Where to turn if the insurer refuses to sell a compulsory motor liability insurance policy

Oleg Shebanov, who heads the underwriting of motor vehicles at the BIN Insurance company, is confident that the recent increase in basic tariffs under MTPL contracts can only partially solve the problem of motorists, because the April increase in prices for motor vehicle insurance for a number of Russian regions is still insufficient . “We should not forget about the rise in cost of spare parts (this will affect the degree of loss of the product) and the increase in liability limits. An increase in tariffs for many branches will eliminate the problem with the lack of policy forms, but for unprofitable regions it will not solve the problem,” the expert states.

Motorists who encounter difficulties when purchasing compulsory motor insurance have the opportunity to contact the RSA, which receives requests and complaints from policyholders about the actions of companies. The complaint form is available on the RSA website. For any questions, please contact the RSA toll-free number: 8800-2002275, (495) 641-2785 (for Moscow residents).

What to do if they impose additional services on compulsory motor liability insurance or refuse to issue a policy?

Insurance companies can, within certain limits, change the price of compulsory motor liability insurance policies in order to regulate unprofitability. However, even this did not help solve the problem of imposing additional services. At the same time, some insurance companies refuse to issue motor vehicle insurance at all. What can you do to defend your rights?

Evidence base

Even if the car owner has legal grounds to file a complaint against the actions of the insurance company, we must not forget that the fact of the violation still needs to be proven. Yes, sometimes courts and various government agencies are content with oral statements from motorists, but there should be several such citizens.

The car owner cannot know how many citizens’ rights the insurance company violated, therefore, it is better to stock up on evidence in advance. In this case, the client will easily prove the violation of his legal rights, and the insurer’s managers will not be able to avoid punishment. You can use as evidence:

• video recording of the violation;
• written response from the insurer;
• eyewitness testimony.

Friends of the car owner may be brought in as witnesses. If you suspect that problems may arise when applying for a policy, you should invite a couple of friends with you. This is an important point because other visitors to the insurance company's office may be reluctant to testify.

How to deal with the imposition of additional services?

To avoid difficulties when purchasing a compulsory motor liability insurance policy and at the same time not pay for additional insurance services, it is worth purchasing an unnecessary policy. At first glance, such a recommendation looks absurd, but only if the client does not know about the possibility of returning money for the imposed insurance. This can be done within fourteen days from the date of registration of such a policy, but only if the client has not applied for payment under the imposed insurance.

Control over the implementation of this rule by insurers rests with the Central Bank. Actually, the insurance company’s obligation to return money for additional insurance is controlled by this organization. Complaining about violations when returning insurance premiums for imposed insurance should be made to the Central Bank, which has created a separate page on its website about the cooling-off period.

If you still have a strong desire to buy an MTPL policy without overpayment, you should complain about the actions of the insurance company’s managers to the Central Bank.

If there is evidence, the insurer will be required to issue a motor vehicle license without imposing additional services. In addition, the insurance company will face a large fine, as will the manager responsible for imposing voluntary insurance. The car owner can also appeal the actions of the insurance company to the prosecutor's office.

Legal grounds for refusal

As is known, insurance companies licensed for compulsory motor liability insurance do not have the right to refuse clients to issue compulsory motor liability insurance policies. However, we must not forget that the client is also obliged to comply with the requirements of the law, but sometimes car owners or their representatives forget about this obligation. So, the insurance company has every right to refuse insurance in the following cases.

• The car owner's representative does not have a notarized power of attorney for the car (with the right to insure).
• Originals of required documents are missing.

Buy OSAGO online – easy ordering and price comparison

In addition, a car owner may be denied the sale of insurance if there is no connection with the automated PCA database. It should be borne in mind that often insurers simply deceive policyholders. If the manager reports that there is no connection with AIS RSA, but at the same time issues an MTPL policy for another client, the car owner has grounds to appeal the refusal. In this case, he can contact the Central Bank or the prosecutor's office.

When should you complain to your insurer?

Not all car owners are aware of their rights, which managers of some insurance companies tirelessly take advantage of. Sometimes insurer employees outright refuse to issue a client with a compulsory motor liability insurance policy. Of course, such a refusal has no legal basis, so the client has every right to seek help from the Central Bank or the prosecutor’s office.

Also, insurance companies often refuse to issue car title to car owners due to the lack of forms. Sometimes managers actually run out of forms, but more often they are safely hidden, for example, in the office director's safe. If there are any doubts about the honesty of the insurance company’s employees, the car owner needs to complain to one of the previously mentioned authorities.

When filing a complaint, the car owner must understand that resolving the issue may take a long time.

If the insurance period is about to expire or has already expired, the policyholder will actually be deprived of the opportunity to use the car. In Russia, it is prohibited to operate a car without a valid MTPL policy; for such an offense, the motorist faces a fine. In addition, in the event of an accident, he will have to independently compensate for the damage caused.

To avoid negative consequences, after filing a complaint, you should worry about finding a more adequate company. This will allow not only to punish the insurer who violated the law, but also to promptly renew the MTPL policy and continue to use the car.

Alternative option

If the owner of a car wants to eliminate any difficulties when obtaining a car title, it is worth paying attention to the possibility of purchasing electronic insurance. Since January 2017, all companies licensed for compulsory motor liability insurance are required to sell electronic policies. A complete list of such organizations with the addresses of their official Internet resources is available on the RSA website.

When issuing a policy electronically, the insurance company will not be able to refuse insurance or impose additional insurance. True, the electronic insurance system is still not fully debugged, so sometimes technical difficulties or software failures may arise. But if the website of one of the companies cannot cope with the load, the client is automatically redirected to the RSA website, where a replacement insurance company is selected for him, which can no longer refuse to sell the e-MTPL policy. This system is called “e-Garant”; it was created to ensure total availability of MTPL policies.

There is another option: use the OSAGO calculator, which allows you to calculate the price and issue a policy in one of the seven leading Russian insurance companies. The advantage of this method is the possibility of saving; not all insurance companies sell policies for the same price. Therefore, simultaneous payment in several organizations seems to be extremely beneficial in terms of saving time when searching for a car license with a minimum base tariff.

What to do if the insurer imposes additional services?

Imposing services has long become the norm for commercial organizations. When applying for loans, banks impose additional insurance, bills and unnecessary credit cards on borrowers.

Insurance companies also do not stand aside and often try to sell something unnecessary and useless to clients.

Why are they doing that? The answer is simple: to increase the cost of the insurance policy and make additional profits.

In this article you can read about how the law relates to the imposition of services, and where to complain about such actions of the insurance company.

What service is considered imposed?

An imposed service is any service that the insurer offered to the client on an uncontested basis. For example, a person applied for a compulsory motor liability insurance policy, and was offered to insure his health against accidents.

The man says: “Why? I just need a policy.” To which the insurer responds that without health insurance, issuing a policy will be impossible. This is imposition. But an unnecessary service is only half the story.

The main problem lies in the fact that you have to pay for all services. Some insurers manage to increase the cost of an MTPL insurance policy by 20-30% through imposed products. For them this is a serious profit, but for the client it is a serious expense.

What does the law say?

First, let's pay attention to part 1 of article 4 of Federal Law No. 40. The law says that the owner of a vehicle is required by law to insure the risk of civil liability.

Such liability may arise from harm to the health, life or property of others.

Insurance under the MTPL policy (it is the one responsible for civil liability) is mandatory for everyone who owns a car.

Taking advantage of this, insurers impose third-party services. They know that a person, understanding his obligation to insure himself, is ready to agree to any conditions, just not to break the law.

The legislation of the Russian Federation pays great attention to the protection of consumer rights:

1. Article 16 of Law No. 2300-1 states that the service provider does not have the right to make the purchase of some services mandatory in order to receive others
2. the insurance company can only offer an additional product, but not impose it on the client
3. The law does not say anywhere that the car owner must agree to everything that the insurer offers him when selling a compulsory motor liability insurance policy

Life insurance when purchasing compulsory motor liability insurance: is it necessary to take out?

Many car owners seriously think that when applying for compulsory motor liability insurance they must take out life insurance. In fact, this service is also imposed.

Life insurance can be put on the same list with the following services:

• health insurance
• accident insurance
• real estate and movable property insurance
• the need to undergo a technical inspection only at the service station indicated by the insurer

It's all pointless. A client who takes out an MTPL policy is not required to receive any other services other than the policy itself. It is when you are told that you need to do something else to buy a policy that the hard sell begins.

You don't even need to provide quotes. Show that you know your rights and understand your responsibilities. Based on the reaction of the insurance company employee, it will be clear whether it is worth continuing the registration, or whether it is better to immediately go to another company.

Where to complain?

It happens that you have no alternative. For example, you have chosen the only company in a small town that you can trust, but it still imposes life insurance under compulsory motor liability insurance.

Or you entered into an insurance contract without knowing about the imposed services, and then discovered them and want to return the money spent. What to do in such a situation?

There are two options, and they are equally effective. The chance that you will prove your case and receive a refund is very high.

The first is to refuse to conclude an insurance contract under MTPL. You need to not only refuse, but also ask the insurance agent to document in writing the reason why the contract “fell through.” You can do without a written refusal - just invite witnesses or record a conversation with the agent on a voice recorder. You have the right to do so.

What to do next? An approximate algorithm of actions is as follows:

1. Go to court, attaching evidence of refusal to the statement of claim
2. The trial will last 2-3 months, and during this time you will not be able to use the car - you do not have insurance
3. As a result of the trial, you will be able to receive compensation for moral damages from the insurance company (after all, it was its fault that you traveled in inconvenient public transport, and not in your comfortable car)
4. In some cases, you can recover lost profits (if you earned money using a car) and even real damage (if you had to use someone else’s car and pay money for it)
5. In addition to paying a significant amount, the insurance company will be forced to issue you an MTPL policy

The second option is to conclude an agreement with the imposed services and contact Rospotrebnadzor. To do this you need:

1. When concluding the contract, indicate next to the signature that “without life insurance (or other imposed service), the issuance of a compulsory motor liability insurance policy was refused”
2. With this agreement you need to go to Rospotrebnadzor
3. This organization will restore your rights, so further actions must be coordinated with its employees

It follows from this that you have the right not only to compensation for damage, but also to unilaterally terminate the contract with the insurer without any sanctions or restrictions.

When purchasing compulsory motor liability insurance, they impose additional insurance - what should I do, can I refuse it and how can I return it?

1. The insurance company does not have the right to impose additional insurance on compulsory motor liability insurance under the Consumer Rights Protection Law.
2. The insurer also cannot refuse to sell a policy without additional insurance, since the MTPL agreement is public.
3. The most effective way for 2019 to refuse “additional supplements” is to use the legal cooling period.
4. For imposing services not provided for by law, the insurance company, as well as its agents and brokers, can be fined a fairly large amount.

Imposing “additional insurance” in the form of accident insurance, life insurance, items inside the insured car, real estate and others sold together with compulsory motor liability insurance – this has even become a tradition in our country. Insurers are trying to sell everything they can along with the policy, which they say is becoming increasingly unprofitable. But what is the correct way to refuse such “additional provisions” when applying for compulsory motor liability insurance and what to do in this case?

Is it possible to purchase MTPL without additional insurance?

Yes. And here two options are possible for you:

1. contact another insurance company where such “extras” are not imposed,
2. refuse other products on top of MTPL insurance,
3. pay and purchase all additional insurance that is imposed on you, and then return it back to the insurer.

The first option is the simplest and most obvious. But it doesn’t always work for the simple reason that other insurance companies may impose additional things on you that you don’t need, or even more expensive than the first one. In addition, if we are talking about a small town, then another insurance company may be quite far from you.

The second option is not so simple - if you refuse additional insurance, then the policy may not be sold to you for various reasons: either the forms will run out, or the computer will freeze, or the employee’s working day will end (and the next one will never begin), etc. . Yes, the situation began to improve significantly in 2019. Just a few years ago, it was almost impossible to buy a compulsory motor liability insurance policy without additional imposed additional services and products, and if it was possible somewhere, there was a queue for a month or two.

But the third option is the most favorable in terms of the number of visits to various authorities and institutions, including the insurance company.

So, let's talk about everything in order!

The insurance company cannot refuse to sell the policy!

According to Article 1 of the Federal Law on Compulsory Motor Liability Insurance, an insurance contract (in other words, a compulsory motor liability insurance policy) is public. This follows by definition of such a contract. And for public contracts there are serious requirements under Russian legislation. Thus, according to Part 3 of Article 426 of the Civil Code of the Russian Federation, an entrepreneur is prohibited from refusing citizens to enter into a public contract.

All this means that the insurer does not have the right to refuse to sell MTPL insurance to the car owner. But such a right appears if there is no objective possibility of concluding an agreement.

Is the functionality of the computer and the availability of policy forms such an opportunity? Yes it is. Accordingly, otherwise the insurance company has every right to refuse to sell you insurance.

Further - worse

Moreover, a refusal to practically enforce the protection of your rights can only be in writing. To receive it, you need to submit a written application to purchase an MTPL policy.

But there is an important subtlety here - the time for consideration of your application by law is as much as 30 days (Part 1 of Article 445 of the Civil Code of the Russian Federation). This means that if you applied for insurance a day or two or a week before the expiration of the current one, then waiting for a written refusal is not your option, because there will be a period when you simply will not be able to drive a car due to lack of insurance.

Thus, if there are at least 30 days until the end of your current MTPL policy, then when imposing “additional insurance” the best option for you is to submit an application in writing (and take a copy of the application with a stamp of acceptance for video recording), which the insurance company is authorized to consider for 30 days and after that, give a reasoned refusal or enter into an insurance contract.

If the insurance company refuses you illegally and directly “out of lawlessness” - on video or in writing, then below we have instructions on how to attract a large fine for this.

The insurance company has no right to impose “extras”

Everything is very simple! Since an insurance company is an organization or individual entrepreneur (agent or broker for selling policies), you are an individual who is going to buy an insurance service for money, then consumer relations apply between you and, accordingly, the consumer protection law applies.

And, according to Part 2 of Article 16 of the Law on the Protection of Consumer Rights, it is prohibited to condition the purchase of some services on additional services - that is, the purchase of compulsory motor liability insurance with any other insurance, banking services and any other products.

Is it possible to refuse additional insurance and how?

So, we have come to the most important thing - the Central Bank in our case provided the best opportunity to avoid the imposition of additional insurance when purchasing compulsory motor liability insurance in the form of the opportunity to refuse the first ones with minimal damage to yourself (except for allowing you to use your own funds).

We are talking about the so-called cooling period. The cooling-off period is the consumer's opportunity to change his mind and cancel any voluntary insurance within 14 days after purchasing it.

This right for you is contained in the instructions of the Bank of Russia dated No. 3854-U on the requirements for concluding insurance services. According to the very first paragraph of this instruction:

1. When carrying out voluntary insurance, the insurer is obliged to provide a condition for the return of the paid insurance premium to the policyholder in the event of the policyholder’s refusal from the voluntary insurance contract within 14 calendar days from the date of its conclusion in the absence of events in this period that have signs of an insured event.

Until 2018, this period was shorter - 5 days, but then the Central Bank made changes to the cooling period.

As you can see, you can refuse and return all additional insurance within 14 days after purchasing it. Although, to do this, you will still have to first purchase them along with compulsory motor liability insurance. At the same time, according to paragraph 5 of the same instructions, the insurance company is obliged to return the money in full. But paragraph 6 immediately says that the refund amount is calculated in proportion to the validity period of the additional insurance. However, its effect does not necessarily begin the next day after purchase.

There are very rare exceptions when it is impossible to return the imposed “extras”:

• if you are a foreign citizen and are in Russia for work purposes, and additional medical insurance has been imposed on you,
• if during this time there was an insured event under additional insurance and you have already applied for compensation for damage,
• if this “addition” is mandatory for you (provided for by law) when carrying out your professional activities,
• if you were sold an international MTPL.

Return instructions

1. First of all, you will have to buy compulsory motor liability insurance along with all the imposed additional insurances - alas, but this cannot be avoided in our case.
2. Next, within 14 days, you must submit a free-form application to waive additional insurance with a request for a refund in cash or non-cash form. In the latter case, you need to indicate your account details for crediting.
3. The insurer within 10 working days (clause 8 of the Instructions) is obliged to transfer the money to your account or return it in cash at your choice.

Is it possible to hold the insurance company liable for a fine for imposition?

Yes. And the fine for her will be as much as 50 thousand rubles. You can be held liable not only when purchasing a compulsory motor liability insurance policy directly at the office of the insurance company, but also from agents or brokers.

We are talking about a specially created article for this purpose, 15.34.1 of the Administrative Code. It provides:

• a fine on officials of 20-50 thousand rubles for refusing to sell a policy or imposing “additional restrictions” when purchasing compulsory motor liability insurance,
• a fine for the organization of 100-300 thousand rubles for the same actions.

At the same time, agents and brokers are recognized as officials, including if they work as individuals - not individual entrepreneurs or LLCs, but as organizations - directly offices and branches of insurance companies.

But it is important to have evidence of this violation. The best of them is a video recording where the employee’s refusal to sell the MTPL policy without purchasing additional health/medical, real estate, property or accident insurance is visible and heard.

Next, this video must be attached to the application to the prosecutor’s office and submitted to the location of the insurance company’s office.

How to refuse imposed additional insurance when applying for compulsory motor liability insurance

When purchasing an MTPL policy not electronically, but in paper form, many car owners are faced with the problem of imposing additional services - such as the sale of voluntary insurance policies complete with a mandatory motor vehicle policy. Is it possible to avoid unwanted expenses, and how to refuse “voluntary-compulsory” insurance?

Once again, let us briefly outline the essence of the problem: when visiting the office of an insurance company or an insurance agent to conclude a compulsory motor liability insurance contract, car owners are often faced with the fact that they are refused to sell them a compulsory motor liability insurance policy without any additional insurance services - usually a voluntary life insurance policy. The insurance services imposed may vary, but the essence is the same: they are offered “in a package” with a car insurance policy, although this is illegal. If you find yourself in such a situation, you can act actively: make a video or audio recording of a conversation with the insurer, record the fact of refusal to sell a compulsory motor liability insurance policy without additional conditions and write a complaint to the Bank of Russia. However, if you want to save time and nerves, and at the same time leave with an MTPL policy on the same day, it’s easier to go the other way.

The simplest solution in this situation would be not to argue with the insurer, but to agree to take out voluntary insurance - and then, having received the MTPL policy, to immediately refuse the imposed insurance. This possibility is fixed in paragraph 1 of Bank of Russia Directive No. 3854-U.

When carrying out voluntary insurance (except for the cases of voluntary insurance provided for in paragraph 4 of this Instruction), the insurer must provide a condition for the return to the policyholder of the paid insurance premium in the manner established by this Instruction, in the event of the insurer's refusal from the voluntary insurance agreement within fourteen calendar days from the date its conclusion, regardless of the moment of payment of the insurance premium, in the absence of events in a given period that have signs of an insured event.

This is the so-called “cooling period”: it first appeared in 2015, and from January 1, 2018 it increased from 5 working days to 14 calendar days. It allows you to cancel unnecessary insurance within a specified period and return the money paid for it.

Having received the desired MTPL policy and an unwanted voluntary insurance policy in your hands, you just need to ask the insurer for an application form for refusal of the insurance contract , fill it out and attach to it copies of the necessary documents: passport (including registration), MTPL policy and title of the insured car, as well as a copy of the most unwanted policy. After the insurance company employee has accepted the documents, you need to receive your own copy of the application indicating the date the documents were received.

If an employee of an insurance company or an insurance agent for some reason cannot accept your application, you can do otherwise. The application form can be downloaded from the official website of the insurance company, filled out at home and sent to the insurer by registered mail with acknowledgment of receipt. The main thing is to keep the shipment within the same 14 days.

If we are talking about the standard set of tricks of insurers, then you can refuse almost all insurances imposed along with compulsory motor liability insurance: voluntary life insurance, property insurance, health insurance, all kinds of policies “against ticks”, “against the flu” and so on. Exceptions to the “cooling period” are specified in paragraph 4 of the same Bank of Russia Directive No. 3854-U: the opportunity to return money does not apply to medical insurance for traveling abroad, insurance for professional activities, medical insurance for citizens of other countries employed in Russia, as well as for international motor vehicle liability insurance policies (the so-called “Green Card”).

The amount of the refund depends on when the contract comes into effect - this needs to be clarified before signing it. If the policy has not yet entered into force before the cancellation, then the entire amount paid for it will be returned, and if it does, the insurer may retain part of the money for the few days that the policy was in force. It is better to clarify the terms of the policy in advance, but in any case the insurer will return most of the amount paid.

If your contract is included in the list of those that can be terminated according to the instructions of the Bank of Russia, and you submitted documents on refusal of insurance within the prescribed period (14 days), and the insurance company continues to refuse to return the money, you need to write a complaint to the Bank of Russia indicating all the details. The complaint can be sent by registered mail to the address 107016, Moscow, st. Neglinnaya, 12, or you can submit it electronically through the Internet reception, here.