Investor code table 54 passwords. Brokerage account with Sberbank: service fees for individuals
Credit insurance is a targeted measure to minimize existing risks, additional protection of the interests of the creditor from an unreliable debtor, from non-repayment of debt for any reason. The terms of insurance are fixed by the loan agreement, or special additions to it.
Consider the case of early repayment of the loan. On the face of the basis for a full or partial refund of the insurance premium, since the insurance service was not used in fact. Or partially used - it all depends on the time elapsed from the date of conclusion of the contract until the moment of registration of the application submitted for the return of the borrower.
Making an application to Sberbank
When lending, Sberbank of Russia is also an insurer, therefore, in this case, the application is written to the bank. The easiest way to do this is on a standard form, which is easy to download from the site and print. You will need to enter specific numbers, namely:
1. number loan agreement,
2. the total documented amount of the contract,
3. one-time compensation of insurance premiums,
4. the amount received by the borrower,
5. the amount of the insurance premium (difference between paragraph 2 and paragraph 4),
6. the amount of compensation claimed by the borrower,
7. date when the last loan payment was made,
8. communication method, contacts,
9. account number for transferring funds.
The application must be made in two copies.
Further actions
- 1. Apply to the bank in a timely manner with an application. You must have the original loan agreement with you (a copy is possible), a debt repayment document indicating the date of the last payment, and a passport. Alternatively, use registered mail with notification.
- 2. At the bank, be sure to register the application with the employee responsible for incoming documents. The second copy should remain on hand, indicating the date of receipt and the signature of the person who accepted the application.
- 3. After the expiration of the period allotted for consideration, it is worth contacting the bank. As a rule, after making a decision and recalculating, the balance of funds is credited to the account specified in the application.
The refund of insurance depends on the timing of the registration of the application. So:
- the loan is repaid and the application is registered within 30 days from the date of signing the contract - this is the best option: all insurance is subject to return.
- if the application is registered not within 30 days, but within three months - the money should be expected only in half, approximately 50% will be returned.
- if three or more months have passed, then the calculation of the amount to be returned occurs in proportion to the time during which the use of the loan took place.
- if the client applied with an application upon closing the loan, then the insurance may not be returned, however, the borrower has the right to apply to the court to consider the issue.
- 13% income tax is non-refundable.
Judging by the reviews, if the client applies in a timely manner, Sberbank returns the insurance premium in whole or in part. Reimbursement of insurance subject to individual conditions. One way or another, you should start by filling out an application. Download and fill in calm conditions. Sample attached.
Return of insurance on a loan at Sberbank sample
insurance and money
An application for the return of insurance on a loan at Sberbank and a sample can be found on the bank's website. What is it for? So that in a force majeure situation you do not get into a difficult situation. And you didn't have to pay a bunch of penalty interest.
Let's figure out how it all happens
So you came to the bank, took the required amount for one year. Every month they regularly made a payment, but then they ended up in the hospital or lost their jobs. And therefore you can not pay the remaining amount.
Then the worst begins. Penalty starts accumulating every day. And your debt is skyrocketing. You have money to repay, and the bank starts calling you demanding that you return the entire amount with a fine. As a result, the case goes to court, and you will most likely lose it, because you refused protection. And you will have to pay for the loan, and for court services, and all penalty interest.
Without registering with the relevant company, all obligations fall on your shoulders. Based on this - it is not recommended to neglect the insurance company. An application for the return of insurance on a loan at Sberbank (a sample can be downloaded on the official website) - shows all the visual conditions. Services insurance policy they are inexpensive, but they will be able to protect you from unpleasant situations when the bank starts demanding money, and you will not be able to pay them.
This item is often found in bank agreement. If you stop depositing funds into the account, then the obligations are transferred to your relatives. As a result, you add problems to your family. And often it turns out that they can not pay. And there it comes to collectors or the court. And all this is due to the fact that the client decided not to take out insurance.
What is the insurance
Like any financial transaction, insurance also varies. Loans are issued for a variety of purposes, and there are many advantageous offers. Also, don't forget about credit cards.
You can choose both the type of loan and insurance. If you have dangerous job, then you can insure an injury at work. You have the right to make a claim for sickness, job loss, health insurance and more. The option that you think is the most suitable is the one you should choose. You can apply for several at once - there are no restrictions.
How is the contract
When you apply for a loan at a bank, you are offered to immediately apply for insurance. The bank itself or a third-party insurance office can act as an insurance agent. This process is optional, but highly recommended. That is why some big banks introduced compulsory insurance. Thus, they make the transaction safer, not only for themselves, but also for you.
How to get back the money invested in insurance
Those who have already taken out insurance are wondering if there is a possibility of returning the invested funds? There really is such a possibility. If the amount was paid once, then you can try to collect the balance of that amount before the expiration of the contract. Those. if the insurance was for 12 months, and six months have passed, then for the remaining six months you can return the finances.
First, you should look at the application for the return of insurance on a loan at Sberbank (a sample of 2016 is available on the official page of the bank). Another option is to contact the bank at the place of registration, where they will tell you everything in detail and provide desired document. To write an application, you will need a passport and all documents on contracts (both credit and insurance). It will not be superfluous to make a copy of the document.
Key points in the application
- registration
- Loan and insurance contract number
- Account details for transferring funds
You can specify the details of the bank where you repay the current loan. This does not preclude the possibility of applying.
As you can see, there is nothing complicated. It only takes a few minutes to fill in all the data. However, in some cases additional data may still be required. It all depends on the particular bank and insurer.
In such cases, you can either run around and collect documents yourself or resort to financial companies who will do all the work for you for a small fee.
You have every right to take your money if you feel that you no longer need the services. In most cases, the procedure is simple and does not present any difficulty. Only occasionally do you have to deal with unpleasant situations.
If you are going to do this business and return the money, then you should look at the application for the return of insurance on a loan at Sberbank (the form is on the Internet resource of this bank in the public domain).
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How to return money for insurance on a Sberbank loan
Given the fact that all banks are actively imposing credit insurance on their borrowers, Sberbank customers are becoming equally important information on how to properly cancel insurance after receiving a loan, how to return insurance if it has already been imposed, and how to return insurance when early repayment loan.
All about it in this article.
What is credit insurance
Credit insurance is an insurance product, absolutely the same as OSAGO or property damage insurance, aimed at insuring the life and liability of the borrower to the lender (bank).
In accordance with this, if the insured borrower lost his job or ability to work, or life, the insurance company will answer for his obligations to the bank.
Naturally, the cost of insurance increases in proportion to the increase in the loan amount. Insurance and banking system in general, it is arranged in such a way that none of them will remain at a loss, even if all insured borrowers lose their legal capacity.
What can you insure your loan against?
- obtaining a disability
- serious illness
- job loss
- worsening financial condition
- borrower's death
If you take out a consumer loan of any type (including a car loan), you will insure only your life and liability. If you take a mortgage in Sberbank or any other secured loan, then you will insure not only your life, but also the mortgaged property from damage.
Why you need to insure a loan
It is clear that each bank is trying to protect itself from non-payment of loans as much as possible. Especially if we are talking about Russia, where debt discipline is at a very low level, and therefore banks sell insurance of all types and other additional services to all customers. But things are even trickier!
All major banks in Russia open their own insurance companies, which automatically become part of their holdings. And why?
The insurance business is also a very profitable business. Thus, the bank is tearing two skins from one client - and the loan interest for using other people's money and the amount of insurance for the service, which is doubtful in terms of usefulness.
Is credit insurance beneficial to the borrower?
No, it's not profitable - the full cost of the loan immediately increases by the cost of insurance, otherwise its usefulness is in question.
Credit insurance in Sberbank can be divided into the following types:
- from receiving the 1st, 2nd and other disability groups
- from job loss
- from the death of the borrower
- property damage insurance
Insurance cost, terms
Perhaps the most important question, besides the question of how to return insurance on a Sberbank loan, is the question, how much does all this happiness cost and for how long is insurance issued?
The term of the insurance policy is absolutely identical to the term of the loan agreement, that is, if the loan term is 3 years, then the insurance policy is issued for 3 years.
Sberbank has both its own insurance company(Sberbank Insurance), and 30 other partner insurance companies. Full list companies you can get directly from Sberbank.
All insurance companies have completely different tariffs and interest rates, but we will focus on the Sberbank Insurance company, since Sberbank will impose it on you in the first place. You should also take into account that you have the right to choose any other insurance company you like, with which Sber does not even cooperate.
- accident insurance from 0.30 to 1% of the loan value per year + a lot of paid extras to the base rate
- life insurance from 0.30 to 4% of the cost of the loan per year + paid extras to the base rate
- cancer insurance from 0.10 to 1.7% + paid extras
- collateral insurance from 0.70% per year of the loan amount + paid extras to the base rate
Accordingly, the amount of insurance depends on the size interest rate for the service and the size of the loan. How more amount loan, the more expensive your insurance will cost.
Requirements
Sberbank does not and cannot have any requirements for the borrower himself, who wants to take out insurance for a loan at Sberbank. Well, what can be required from the borrower in such a case?!
But the bank has a lot of requirements for a third-party insurance company (this is if you do not want to use the services of Sberbank Insurance or any other of the 30 partner companies).
Well, that's understandable! Who wants to give a client (his money) to a company with which you do not have a mutually beneficial relationship (you to me - I to you).
A short example of requirements for a third-party insurance company:
- 3 years of experience in the insurance market
- compliance with regulations and laws Russian Federation
- possession of a state license
- the company has no debts to the budget
- the absence of lawsuits against the insurance company, which entail a reduction own capital by 10% or more
- etc
Insurance documents
And what documents are needed to apply for insurance at Sberbank when obtaining a loan?
All you need is:
- the passport
- real estate documents
How to insure
In order to insure a loan at Sberbank, you do not need to have seven spans in your forehead, this is not the same as returning insurance after paying off a loan at Sberbank. Everything is much easier here!
What the process looks like:
- choose a loan product in Sberbank
- at the stage of negotiations with a loan manager, you express a desire to purchase insurance (and the whole process of loan approval is immediately simplified)
- get approval from the bank for your candidacy
- choose one of the partner insurance companies of Sberbank or Sberbank Insurance, and you also have the right to engage a third-party insurance company
- sign a contract with her
- pay for the service
- bank employee attaches all this to the loan agreement
Pros and cons (features)
- obtaining insurance when applying for a consumer loan at Sberbank is not mandatory
- but otherwise, Sberbank has every right to refuse to issue you a loan (this is the main contradiction between legislation and life)
- and in the case of a mortgage, you are required to insure the property against damage (this is the law)
- you have the right to return insurance on a Sberbank loan ahead of schedule, without waiting for the end of its validity, but if more than 30 days have passed, then only 50% of the cost of insurance will be returned to you or the refund amount will be recalculated for the remaining days
- the return of insurance on a Sberbank loan occurs in accordance with the provisions of the Civil Code of the Russian Federation
- you have legal right, voice the refusal of loan insurance, even after receiving a loan within 1 month from the date of signing the contract, and make a "return" of the service without changing the terms of the loan
Sberbank imposes insurance when applying for a loan, what to do
But what if Sberbank imposes insurance when applying for a loan? Is it legal?
It is illegal! And in this case, you need to be guided by article of the Civil Code of the Russian Federation No. 958, which states that banks do not have the right to impose life and health insurance on the borrower, do not have the right to fine borrowers in case of refusal and apply other sanctions. Otherwise, sanctions may be applied to the bank itself.
It also follows from the law that the borrower has the right to return the full cost of insurance if more than 30 days have not passed since the loan was issued, and if more than 30 days have passed since the loan was issued, but the validity of the insurance policy has not yet expired, then only 50 % of the cost of insurance.
But if we are talking about secured lending (mortgage), the law obliges the borrower to insure the mortgaged property (Civil Code of the Russian Federation No. 102, article 31), and it will not be possible to refuse insurance. Read more about this in the article - is it possible to return insurance after repaying the loan.
How to get money back for insurance
Question: Do they return money for insurance on a loan at Sberbank?
Answer: they return if no more than 30 days have passed since the loan was issued, if more than 30 days have passed, but the policy has not expired, then only 50% of the cost can be returned, and you can also return money for insurance in case of full or partial early repayment of the loan (which does not affect the provisions for the return of the cost of insurance).
And now about how to return insurance on a Sberbank loan.
How to return insurance:
- take a piece of paper and write an application for the return of insurance on a Sberbank loan in duplicate addressed to the insurance company that provides you with the service
- collect the necessary documents (more on them below)
- submit an application and documents directly to the insurance office, and if you are served by Sberbank Insurance, you can also do this through a branch of Sberbank
- check that the employee puts a mark on your application form
- and wait for some gesture from the insurance company
- if your application is not accepted, they tell tales that they cannot do something, then start complaining to all authorities (start with the head of the Sberbank branch or with the director of the insurance company, then there is Rospotrebnadzor, the Prosecutor and the Central Bank of the Russian Federation)
- if your application was accepted, but they still don’t want to return the money, then again start complaining to all departments
Cancellation of insurance after receiving a loan
You have the full and legal right to express your refusal of insurance after receiving a loan from Sberbank, and if everything is done in accordance with the law, then no one will be able to “take away” the issued loan from you, and even no one in the bank will look askance at you.
It's just about returning a product that doesn't fit, just like with clothes.
As it was written above, the Civil Code of the Russian Federation No. 958 gives you the right to refuse insurance after receiving a loan, as in any other bank in the country, within 30 days after receiving a loan, if more than 30 days have passed, then you have the right to return 50% of the cost of insurance, and if the validity of the insurance policy has expired, then there is no subject for conversation.
The return of insurance in case of early repayment of a loan at Sberbank is much more often relevant compared to other cases of insurance returns (read the article - all about early repayment of a loan). It is understandable - you repaid the loan ahead of schedule, you no longer need an insurance policy, and there may be another 12 months before the end of its validity. Of course, I would like to return the money for a service no longer needed.
How to do it:
- read your loan agreement, preferably together with a lawyer (in some cases, the agreement is drawn up in such a way that it circumvents the effect of Article 958 of the Civil Code of the Russian Federation, and it will not be possible to return the insurance even through the court)
- if the contract is ordinary, then find out the name of the insurance company where you purchased the insurance
- write an application for the return of insurance in the name of this insurance company (we will give a sample application below)
- attach the necessary documents for the return of insurance
- send all this either by mail with acknowledgment of receipt (if you live in a remote region), or better personally submit these documents to the office of the insurance company
- be sure to make sure that the insurance officer put a mark on the application for receipt
- if the insurance employees refuse to accept the application, then write a complaint addressed to the director of the company with reference to Law 958 of the Civil Code of the Russian Federation
- if the insurance director does not want to accept the application or the company does not return the money to you at all, then write a complaint about this company to Rospotrebnadzor, the Prosecutor's Office and the Central Bank of the Russian Federation (it is he who issues licenses to insurance companies)
Insurance return documents
In order to return insurance after paying off a loan at Sberbank, of course, you need to provide some documents to the insurance company proving the fact of obtaining a loan and the fact of buying insurance.
Documents for the return of insurance (both in the case of a normal cancellation of insurance within 30 days, and in the case of return of insurance in case of early repayment of the loan):
- an application for the return of insurance on a Sberbank loan in any form addressed to the insurance company
- copy of the passport
- loan agreement (copy)
- certificate of absence of debt in the form of a bank
How much can be returned
Summarizing everything that is stated in this article and the conclusions from legislative framework, both in the case of the usual return of insurance (well, you didn’t like the product), and in the case of a return of insurance upon early repayment of a loan at Sberbank, you should:
- if you write an application for a refund within 30 days from the date of execution of the loan agreement, then you will be refunded the full cost of insurance
- if the application is submitted in the interval from 1 month to 3 months, then you should expect a refund of 50% of the cost of the insurance policy
- if the application is submitted much later than 3 months from the date of conclusion of the contract, then the calculation of the cost of returning the insurance will take place in proportion to the days during which you used the insurance services
- in any case, you will lose 13% income tax on the cost of the insurance policy
Insurance refund application
To begin with, you can submit an application for the return of insurance on a Sberbank loan at any time and at any time during the validity of the loan and insurance agreement (the law allows you to do this). And as stated above, the timing of the submission will only affect the amount of the refund.
The application must be submitted to a company that provides insurance services. NOT TO THE BANK! Sberbank will not understand this issue and most likely will refuse you.
It’s another matter if the insurance contract is concluded with a subsidiary of Sberbank (“Sberbank Insurance”), but even in this case it must be understood that this is a different company and an application for the return of insurance on a Sberbank loan should be written in her name, mentioning her details.
Also, the application should be written in two copies - you give one to the bank, on the other the bank employee puts a mark on its acceptance and gives the application to you.
- in the right upper corner, write "TO" (name of the insurance company, actual address, details)
- in the upper right corner below write "FROM WHOM" (your full name)
- in the header write "Application for the return of insurance on a Sberbank loan"
- in the text of the application, describe your situation, mention your loan agreement number, when it was concluded, when it ends, and so on
- indicate the amount and cost of insurance on the loan
- indicate your wish (to return the cost of insurance), indicate the reasons and grounds for your wish, refer to the law
- enter your account number to receive a refund
- in conclusion, under the text, indicate your contact details, address, postal code
- sign and decode
For more information about the rules and features of applying for the return of insurance to all banks in Russia, read here.
Sberbank - credit insurance
Making an insurance contract for lending is a voluntary procedure. But banks, taking advantage of the legal illiteracy of clients, force them to spend extra money. Is it possible to return insurance on a Sberbank loan, and how to do it - read the article.
Is it possible to refuse insurance on a loan at Sberbank
Credit insurance at Sberbank is a service, although costly for the borrower, but sometimes it can be useful. The amount of insurance depends on the type of loan and the tariffs of the insurance company cooperating with the bank. The amount reaches 15% of the loan amount.
In the event of circumstances that do not allow the borrower to pay off the loan on time, the insurance payment allows you to pay off the debt. Insured events include:
- Documented job loss. A certificate from the employment center is provided, employment history with a letter of resignation.
- Prolonged illness or death of the borrower. Need help from medical institution or death certificate.
- An accident that resulted in long-term treatment. It is documented.
- Natural disasters, property theft.
Credit insurance at Sberbank in 2015 is issued voluntarily, with the exception of mortgages and car loans. When issuing consumer loans bank managers offer to join the insurance program, but do not insist on it. If the client is confident in his future and does not want to insure, no one will force him to do so.
Return of insurance on a Sberbank loan: step by step instructions
In the case when the recipient of a consumer loan has already become a member of the Sberbank insurance program, there is still an opportunity to return the money.
What you need to do to get a refund:
1. Contact the bank at the place where the loan was issued with a passport and a loan agreement.
2. Fill out an application for the return of insurance on a Sberbank loan in 2 copies.
3. Register an application with a bank employee with the date of receipt and signature of the person who accepted the documents.
4. Keep the second copy of the application.
5. When early return loan funds- submit a certificate of closing a loan account.
6. Wait for the recalculation of insurance and crediting the balance of funds to the account specified in the application.
Sberbank: is it possible to return insurance on a housing loan? This question worries all borrowers, since the size of the annual insurance premium is quite significant. In connection with the pledge of real estate, the bank has the right to guarantee its safety for itself. Repayment of insurance is possible if the loan is closed ahead of time. The situation is similar for car loans when the car is pledged.
How to return insurance on a Sberbank loan if it is not necessary
If you have ever taken a loan from a bank, then you already know about such an additional service as credit insurance. For those who are faced with it, the question of the possibility of returning the sum insured becomes relevant. That is why, in order to help you deal with all the difficulties, we will consider all aspects of the assignment of the sum insured and the conditions for its return.
Why do you need to insure a Sberbank loan?
Loan insurance is an additional voluntary service that the bank offers to arrange for borrowers at the time of concluding the main contract for consumer or other types of lending. Taking advantage of the legal illiteracy of their clients, bank employees impose insurance as a mandatory service, without which it will be impossible to issue a loan.
The main areas of Sberbank's insurance services are:
- insurance in case of disability (disability);
- loss of income (dismissal from the main place of work);
- insurance of acquired property against damage;
- the death of the borrower.
However, given the statistics in which an insured event occurs extremely rarely, then paying for such insurance, which is not so small, you simply give your money to insurance companies free of charge.
Insurance cost, terms
The very first question - what is the cost of the insurance policy? After all, there is no single price for this service. It all depends on the company you choose as an insurer. The main nuance is that the term of the insurance policy is a priori equal to the term of the loan being issued. That is, if you took out a loan for 1 year, then you will have to pay for insurance during the year.
When taking a loan from Sberbank, you can take out an insurance policy both from your own IC Sberbank Insurance, and attract a partner insurer, Sberbank has about 30 of them. You can also attract your own company, but it must meet the standards set by the bank.
If we consider the average prices, then the cost of the policy will be for the year:
- from 0.3 to 1% (of the loan value) - accident insurance (excluding additional services to the starter pack)
- from 0.3 to 4% - life insurance;
- from 0.7% - insurance for collateral;
- from 0.1 to 1.7% - in case of cancer.
Pros and cons of Sberbank loan insurance
No matter how profitable a banking product is, you can always find pros and cons for it.
The advantages include:
- optionality of this service - if the client does not want to take out insurance, he can refuse it, but this does not apply to insurance collateral;
- if desired, the insurance can be returned in whole or in part, if you do not wait for the expiration of the contract;
- if, nevertheless, an insured event has occurred, the insurer will repay the loan for you;
The disadvantages include the following points:
- the bank can go on principle and refuse to approve a loan without purchasing insurance;
- if the insured event has not occurred, you have wasted money;
- It is impossible to return the money after the expiration of the insurance period.
Return of insurance after loan repayment
Everyone wanted to return their insurance premiums in full or at least a partial amount, if the insured event still did not occur. However, you need to understand that not a single insurance company wants to lose its profits, and when signing an insurance contract with them, you must read the entire agreement in full, because especially cunning companies prescribe the conditions under which they may refuse to pay your insurance amount .
According to the Civil Code of the Russian Federation No. 958, each client can refuse life and health insurance when applying for a loan, and also has the right to demand a refund of the previously paid sum insured if the term of the loan and insurance contract has not yet expired.
It is important to understand that the conditions for the return of insurance premiums for each type of loan vary:
- consumer credit- provides for the legal possibility of returning the previously paid insurance premium both during the first 14 days and throughout the entire loan period, under certain conditions. Therefore, by contacting the bank, if you were insured by Sberbank Insurance, or directly to the insurance branch, you ask for a form for drawing up an application for a refund of the sum insured. Fill it out in 2 copies, one for the company, one for you, and ask the manager to mark the acceptance of your application. If the insurance company refuses to fulfill its obligations, you can apply to the court with your copy.
- Mortgage- it implies 2 types of insurance: life and health, as well as collateral (apartments or houses). If you have the right to refuse the first insurance, referring to Article 958, then refusal to insure property is prohibited by the law of the Russian Federation. Therefore, you can hope for a refund of the sum insured only if the loan is repaid ahead of schedule.
- car loan- essentially identical mortgage lending. Therefore, if the borrower can refuse his own insurance, then he simply does not have the right not to insure his car. And it will be possible to return part of the insurance only in case of early repayment of the debt, and only in an amount equal to the number of days remaining until the end of the insurance contract.
Sample Application
To be able to return the insurance amount, you need to submit a written application to the bank branch where the loan was previously issued. The filling form is typical for all financial institutions:
- in the header of the application, the name of the institution, the address and full name of the bank or insurance manager, as well as the data of the insured person (name, address and telephone number) are written;
- the main application indicates the grounds for the return of the sum insured;
- borrower's passport details;
- requisites payment card for enrollment Money;
- number of the loan and insurance agreement, the term of their execution and expiration;
- date of application and personal signature.
You hand over the first copy to the authorized manager, and take the second copy for yourself, first giving it a mark of acceptance.
How much can be returned
Depending on the type of lending and the terms of the insurance policy, the client has the right to return his money paid in the form of an insurance premium. You can only claim a refund in a few cases:
- within the first 14 days after the conclusion of the contract, you can apply for a full refund of the sum insured due to cancellation of insurance;
- if the term for the execution of the contract exceeds 14 days, then you can only count on 50% of the previously paid amount of the insurance premium;
- in case of early repayment of the loan, you can demand the return of insurance, but in the amount calculated for the remaining period of insurance.
Return of insurance in case of early repayment of the loan
Most of the applications for the return of the insurance premium on the loan account for the case of early repayment of the debt. After all, if the contract was drawn up for 3 years, and the loan was repaid in 2 years, then why overpay for an unnecessary service. Then you need to submit a written application to the bank or insurance company, with a request to return the previously paid insurance amount and terminate the insurance contract due to early repayment of the loan.
If the insurance company refuses to reimburse you for paid insurance premiums, and this is contrary to the terms of the contract signed by you, you can judicial order demand a refund of the funds paid.
Return insurance within 14 days
After applying for a loan at Sberbank, if an insurance agreement was imposed on you, you have the right to refuse it without loss for yourself within 14 days. That is, if you managed to file an application for termination of the insurance policy within this period, the bank guarantees you a full refund of the paid insurance premium.
However, if the insurance was issued in a partner company, then they may have a deduction from the insurance premium in the amount of 13-20%.
Arguments to protect your rights
Perhaps the most pressing question for most borrowers: "What arguments should be given in order to be able to return their money."
The most significant will be:
- The imposition of the service - if the client can prove that he was not notified of the opportunity to refuse the insurance being issued, or was forcibly forced to issue it to approve the necessary loan;
- If the bank has enabled the service of connecting to the insurance program in total amount lending, thereby deliberately increased the amount of the commission. This is a violation of consumer rights and is subject to judicial challenge;
- If the borrower has repaid the loan, he has the right to refuse other services provided (in our case, insurance), if their term has not yet expired at the time of full repayment of the debt.
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On 04.08.2016 I took out a consumer loan in PJSC Sberbank(Novosibirsk, Dusi Kovalchuk st., 75). When registering, the operator imposed a loan insurance service (description in the attached file). At the moment I want to cancel the insurance contract. On September 12, 2016, I personally filed an application with PJSC Sberbank to terminate the insurance contract. The specialist who issued the loan to me explained that clause 5.2 of the terms of the insurance contract allows its termination after 14 days from the date of its signing, but minus the withholding of 13% of income tax. However, on 10/14/2016, I received a written refusal from Sberbank PJSC to terminate this agreement with an explanation that more than 14 days have already passed since the conclusion and the reference goes to clause 5 of the insurance agreement. It turns out that the bank is at odds with its own conditions (the insurer is Sberbank). How then to understand paragraph 5.2 of the contract explained to me by your specialist?
Please clarify the situation with the termination of the insurance contract, terminate the insurance contract with recalculation of interest paid on the loan and recalculation of the schedule for further payments. Ready to provide any additional information. For reference: the loan was issued for 200,000 rubles for a period of 5 years (60 months), taking into account insurance, the loan amounted to 238,684 rubles. On September 19, I partially repaid the this loan 180,000 rubles. I am a responsible payer, I have no delays in payments. Loan agreement number 92339906 dated 04.08.2016
My insurance policy states:
5.1 Participation of an individual in the Insurance Program may be terminated early on the basis of his written application. At the same time, the return of funds paid by an individual as a fee for connecting to the Insurance Program is made by the Bank in case of refusal of an individual from insurance in the following cases:
— submission by an individual to the Bank of a relevant application within 14 calendar days from the date of submission of the application provided for in clause 2.2 of these Terms, regardless of whether the Insurance Agreement was concluded in respect of such person;
— submission by an individual to the Bank of a relevant application after 14 calendar days from the date of submission of the application provided for in clause 2.2. of these Conditions if the Insurance Contract has not been concluded in respect of such person. At the same time, the Insured Individual will be refunded in the amount of 100% of the amount of the Fee for connection to the Insurance Program.
5.2 If the Insured Individual applied for disconnection from the Insurance Program after the Insurance Contract was concluded in respect of this Insured Individual, the amount of money returned to the Insured Individual is subject to personal income tax at the rate of 13% For tax residents and 30% for tax non-residents, which is withheld tax agent- OJSC "Sberbank of Russia" at the time of their return.
Please comment on the actions of your employees, and publicly, on the site, explain whether I have the right to terminate the insurance contract after 14 days and return part of the funds minus the 13% deduction? If not, on what basis?
Thanks.
Sberbank life insurance application for termination
Good afternoon. On 03/02/2018, I concluded an insurance contract with IC Sberbank Life Insurance LLC (Insurance policy 0301 No. 252031630). I did not need this service, but I needed a loan. On 03/06/2018, using the services of the Russian Post, by registered mail with a notification of receipt, I sent an application to terminate the above agreement with attachments. This application was received by the insurance company on March 12, 2018 (receipt notice No. 24903218025677).
According to paragraphs 5 and 8 of the Instructions of the Bank of Russia No. 3584-U dated November 20, 2015 (as amended) and paragraph 7.2 of the Insurance Rules No. 0043.SL.04.00 dated June 30, 2017, the insurer is obliged to return the working days from the date of receipt of the application for the insurance premium in full, i.e. in my case, until 03/23/2018 (within 10 working days starting from 03/12/2018). However, the insurance premium was not returned to me. On my appeal to the customer service (), a written response was received that the package of documents sent by me was correct, accepted and transferred on March 16, 2018 to the accounting department for payment, and payment would be made within 10 business days (i.e. until March 30. 2018). However, even within this period specified by the Insurance Company, the insurance premium was not returned to me. When contacting Sberbank Life Insurance LLC after 03/30/2018 by phone numbers (listed on the website), I am not provided with information on payment terms. For all written requests after 03/30/2018 ( , , , to to CEO through the company's website) there were no responses.
Thus, the Insurance Company violates the Instructions of the Bank of Russia No. 3584-U dated 11/20/2015 (with additions and changes), violates my rights to receive back the paid insurance premium in connection with the termination of the insurance contract during the cooling period. Please fix this situation, comply with the requirements of legislative and regulatory authorities and return the insurance premium paid to me.
How is the termination of the life insurance contract in LLC IC Sberbank
The legislation of the Russian Federation provides for the possibility of terminating the insurance contract, taking into account the interests of both parties. Each client of the insurer has the right not only to become the owner of the policy, but also, if necessary, prematurely terminate cooperation on legal grounds.
What is provided by the current legislation of the Russian Federation?
The Civil Code of the Russian Federation in most cases provides for the need to return part of the money paid. The retroactive calculation takes into account the period during which former client the company no longer used the services offered. According to this scheme, proportional financial compensation occurs. At the same time, it is recommended to take into account the terms of the contract that is being signed.
The legislation of Russia allows the early termination of the executed agreement at the appropriate request of the insured. It is important to bear in mind that the insurance deposited amount will not be paid if the contract does not initially contain aspects related to the early cancellation of the services provided.
Nuances of termination of cooperation
Cooperation can be stopped not only after the occurrence of a certain case. The following potential circumstances of refusal of the services of insurers are considered:
- disappearance of the risk of an insured event recorded in the current policy;
- inability to fulfill the obligations assumed regarding further payments;
- the desire to change the insurer, taking into account the potential benefits;
- violation of the law by the insured, including the provision of false information;
- mutual decision to change initially set time the validity of the contract.
Regardless of the intentions of both parties, legislative level consider only good reasons for terminating the policy. If the insurer agrees with the arguments of the insured, only part of the money can be returned. It is important to be prepared for the fact that the terms of the executed contract, first of all, protect the company. Entity must lose at the minimum bar to eliminate the serious impact of situations associated with early termination of cooperation.
How to terminate an insurance contract?
Legislation provides various ways termination of the contract and refund of funds. IN without fail the initiator of the termination of cooperation is taken into account.
An insurance contract may be declared invalid if the policyholder fails to pay premiums or fails to comply with any terms of the contract. In this case, the insured person, who is a client of the company, has the right to submit an official statement of intention to terminate cooperation. At the same time, the current policy spells out all sorts of options and ways out of the current situations, as well as the requirements that must be met.
Termination of cooperation with LLC IC "Sberbank insurance"
LLC IC Sberbank Insurance is one of the best insurance companies in Russia. The institution conducts its activities in accordance with current legislation. Each client has the right to be sure that his rights and interests are protected, so he can take advantage of the appropriate opportunities.
Can the contract be terminated?
Termination of a life insurance contract in LLC IC Sberbank is allowed. but insurance premium is returned only within fourteen calendar days, so the policy should not become legally binding. After the initial term, termination of the executed agreement ceases to be appropriate, since financial compensation is not possible.
During the procedure in the first fourteen days, you can provide the details of any bank card, account data or savings book. Representative target audience can take advantage of convenient way for myself.
Features of termination of the contract
As already understood, the terms for terminating a life insurance contract at IC Sberbank LLC, taking into account the interests of customers, are limited to the first two weeks. At this time, you need to re-visit the Sberbank office center to fill out standard form confirming certain intentions.
The application must include the following information:
- bank details of the account used (personal account of the client of the institution, as well as the BIC of the bank) for receiving the insurance premium;
- surname, name and patronymic of the applicant;
- passport data;
- current contact information (phone number, email address);
- number and date of execution of the insurance contract.
Specialists consider only those applications that contain the full amount of information. Otherwise, termination of the current policy is no longer possible.
It is mandatory to attach a set of documents to the application. This requirement must be met in order for the termination procedure to be carried out in accordance with the current legislation of the Russian Federation. So, the necessary documents (copies):
- valid civil passport;
- a document confirming the payment of the issued policy;
- current insurance documentation.
As it has already been understood, the issue is not considered without an application and a documentary package. Given the limited time frame, it is advisable to immediately take care of the implementation of existing requirements.
Another option for resolving the issue of early termination of potential cooperation is to send a letter with an application and other necessary documents. The letter is sent to the following address: Russian Federation, Moscow, Pavlovskaya street, house 7, index 115093.
The countdown of the period during which the decision will be made begins after the receipt of the Application in insurance organization. Refunds will be returned within seven business days.
How can I find out if a payment has been denied?
Within seven business days after the decision to deny financial compensation is made, a letter will be sent with a clear justification of the reasons. This document will be received by mail. If the insurer knows the email, the message will be duplicated in in electronic format. Reasons for refusal to return the money spent for issuing an insurance policy are required.
The legislation of the Russian Federation provides for the possibility of advantageous early termination of the contract with the insurer. At the same time, each organization operates according to a unique scheme, therefore, the terms of the policy should be taken into account and the established aspects of interaction with specialists should be observed.
Read how to get a life insurance tax refund in this article.
Reviews about the insurance company "Sberbank life insurance"
My father had a loan at Sberbank and insurance at Sberbank Insurance. The father died as a result of pneumonia, was treated for 3 weeks and died in the hospital, the disease was diagnosed almost a year after the conclusion of the insurance contract.
We collected all the necessary documents and submitted them through the branch of Sberbank in Neftekumsk Stavropol Territory. Convincingly asked to indicate in the application e-mail for notifications and give us a registration number for tracking. However, the Sberbank employee refused to enter an e-mail, citing the absence of the required column in the application. They didn't give us a number either, but they gave us the registration number of the appeal through Sberbank, but not Sberbankstrakhovanie.
Further more interesting! A day later I go to the Sberbank website to check the status of the request, and it says: the status is closed, the answer was sent to email! What nafig email if it was not accepted and not recorded in the bank ?? What a scammer. Why closed? What exactly is with the appeal?
We go further, I call the hotline now SberbankInsurance and say that I have submitted the documents and I want to track the status, since there is such an opportunity, through their website, but for this I need the registration number of the application according to their nomenclature and put down an email, otherwise there is no way track what the specialist hotline answers me: now I will tell you everything, name the full name and date of birth of the insured.
Said they got the papers. I once again asked to write down my mail and give me a registration number to track the appeal through the site, because we live in the 21st century, why should I call and hang on the line. to which he replied that he would not give anything, call by phone and name the data, they will tell you everything.
As I understand it, this is only the beginning of difficulties and soon awaits me: “not all the seals on the sheet, “the doctor’s notes are illegible, there is no document from the bank about the amount of debt, etc.
FAQ
Is it mandatory to fill out the text of the policy?
Yes. The text of the policy must be filled in by the Policyholder, whose cards will be insured.
What should I do if I made a mistake in the full name or address of the insurance object when filling out the offer policy?
If an error was made in the policy-offer when filling out the full name of the Policyholder (not a completely different full name / address, but a really obvious mistake), then you need to notify the insurance company about this using a statement (“due to a mistake in the policy, please consider faithful."). The application must be sent to the address: Moscow, st. Pavlovskaya. house 7 115093
Is it necessary for the payer to sign the policy
The policy does not require the signature of the Policyholder.
Do I need to submit any documents to the insurance company after purchasing the policy?
No, you don't have to.
Is it possible to terminate the insurance contract and return the insurance premium?
You can terminate the insurance contract.
- A 100% refund of the premium is possible upon submission of termination documents within the first 14 calendar days.
- in the event that the probability of occurrence has ceased insurance risk(the refund is made in proportion to the period remaining until the end of the term of the insurance contract.
- In case of unilateral cancellation of the insurance contract after the expiration of 14 calendar days from the date the policy comes into force, but the insurance premium is not refunded
How to terminate the insurance contract?
Within 14 calendar days you need to visit the Sberbank office and fill out a standard form Applications for termination of the insurance contract. In the Application, it will be necessary to indicate the bank details of the account (personal account of the recipient and BIC of the bank), to which the amount of the insurance premium will be returned. You must also have with you:
- passport of a citizen of the Russian Federation
- insurance box
- insurance premium check.
As the 2nd option: To terminate the insurance contract Within 14 calendar days you need to send a letter to the insurance company with an Application for termination. Address for submitting the Application:
st. Pavlovskaya d. 7, Moscow, 115093 (documents are the same as when applying through a bank branch)
The Application must indicate:
- Name of the Applicant;
- passport data of the Applicant;
- contact details of the Applicant (telephone and/or e-mail address);
- the number of the insurance contract and the date of its execution;
- bank details (personal account of the recipient and BIC of the bank) to which the insurance company can transfer the funds of the insurance premium.
Be sure to specify them, otherwise the insurance company will not be able to return the insurance premium to you.
Attach a copy of the passport and a copy of the document confirming the payment of the policy to the Application
The term for the return of funds is no more than 7 working days from the date of receipt of the Application by the insurance company.
Can the insurance contract be terminated? (I have decided that I no longer need it / no longer use the card, etc.)
Yes, the insurance policy is subject to termination, but the insurance premium is refundable if applied within 14 calendar days (until the policy takes effect). Those. when applying after the start of the policy period (starting from the 15th calendar day of the date of payment of the insurance premium), termination without a refund of the insurance premium is possible. (in this case, we inform about the inappropriate termination.)
When terminating, can I give the bank details of any account?
Yes, you can provide details of any account / bank card of any Bank or savings. books
What happens if I lost my payment receipt?
The payment transaction is tied to the full name of the payer and the policy number. You need to contact the branch of Sberbank where the insurance premium was paid to receive an extract on the transaction.
You can also request an account statement from SBOL (Sberbank Online). It contains information for the payment of which service the money was debited.
I have lost/lost my insurance policy, what should I do?
You need to send a letter by e-mail. In the letter you must enclose an application addressed to LLC IC Sberbank Insurance with your handwritten signature and the date of writing with a request to restore the lost policy. The application must contain as much information as you have about the lost insurance policy(number, date of purchase), as well as the postal address for sending a duplicate.
In what territory is the property insured?
The policy is valid on the territory of the Russian Federation.
Can I pay for the policy (insurance contract) in installments?
No, there is no deferred payment of the insurance premium.
What happens if I pay the premium, and write another person as the insured or I can pay for the box, and enter the data in the Policy for another person.
According to the terms of insurance, the Insured must be the payer of the insurance premium.
Do I have a franchise agreement?
No, there is no franchise within the product
Can property be insured for less than a year?
The policy is only valid for 12 months.
Will my salary card be insured?
If the card is issued by Sberbank PJSC, then it will be insured.
I have a student bank card that is also a debit card. Will she be insured?
If it is issued by PJSC Sberbank, then it will be insured.
My card is an additional card, and my dad (any other person) is the main holder. Will only the money on my card be insured? Or will the main holder's card and all cards issued in addition to it also be insured?
Funds on additional bank cards are insured in relation to the account of the main bank card holder. Since the account holder is another person, the money for additional. card may be insured by him. Therefore, bank cards issued by PJSC Sberbank in the name of the Insured, but linked to the account of another person, are not insured.
I am the holder of the main bank card. An additional card was issued to my card, which is used by my girlfriend (anyone). Will she be insured?
Since the additional card is linked to an account opened in your name, yes, it will also be insured.
Will the sum insured for which the cards are insured decrease after receiving the payment at my request?
Yes, sum insured reduced by the payout. In this case, the sum insured is considered reduced from the date of payment insurance compensation.
I bought a policy, who should be indicated in the Policyholder field?
As the Insured, you must indicate your full name.
How many times can I contact the insurance company?
You can apply to the insurance company an unlimited number of times during the term of the insurance contract. At the same time, the payment of insurance compensation can be made for no more than three events in the event of unauthorized withdrawal of funds and Theft of cash from the Bank Card Holder. For the risk “Loss of a bank card”, a limit of 500 rubles per 1 insured event is set. All payments are made within the sum insured provided by your Insurance Policy.
In what cases can I contact the insurance company?
You need to contact the insurance company in case of loss of the card due to theft, various mechanical damage or degaussing, as well as in case of loss due to ATM malfunction, in case of unauthorized withdrawal of funds from the card, withdrawal of funds by third parties.
What should be done if something happens to the card?
In case of theft of a bank card, you must immediately call the Bank to block the card and report the incident to the competent authorities (ATS) and call the insurance company. In details necessary actions described in the Memo on actions in the event of an insured event. You can find it on the website of the insurance company.
Can I insure a credit card?
Yes, both debit (settlement) and credit cards are accepted for insurance
Do I need a separate insurance contract for each card?
Insurance coverage applies to all cards issued by Sberbank in the name of the Insured, as well as additional cards issued by the Bank to the main Bank card in the name of the Policyholder. Cards are insured against all current risks - loss, illegal write-off of money. funds, robbery and robbery.
What to do if the card has expired, but the insurance on it is still valid?
If one card is insured under the insurance contract, the policy is terminated. In this case, you can return part of the insurance premium in proportion to the time during which the contract was valid. If more than one card is insured, then the insurance contract continues to be valid in respect of valid bank cards issued in the name of the Insured in PJSC Sberbank.
How long does it take to process my application for an insured event? When will I receive payment?
Within 10 working days after receiving from you all required documents, confirming the fact of the occurrence of an insured event, the cause and amount of loss, an insurance act is signed. Insurance payment made within 5 working days after the signing of the Act on the insured event.
What to do if the card was found (returned)?
You need to call us and report the discovery of the card.
If my payment is denied, how will I find out?
Within 7 working days from the date the insurance company decides to deny payment, you will be sent a letter by mail explaining the reasons for the refusal. If the insurance company has your e-mail address, an additional message will be sent to this address.
Can a non-resident (foreign citizen) apply for an insurance program?
A foreign citizen may be an Insured.
Is the insured event the loss of cash as a result of theft (not robbery, not robbery) within 2 hours from the moment of receipt from an ATM?
For example: stolen/lost wallet with withdrawn cash in the subway
No, such an event is not covered by this insurance policy.
If the scammers called, introduced themselves as a bank employee, asked to go to an ATM, dial a pin code and take some other actions, which led to the transfer of money to scammers. Will this case be insured under the “Money Protection” product?
The event cannot be considered as an insured event, because The client voluntarily performed actions to transfer funds.
If fraudsters called, they introduced themselves as a bank employee and asked to dictate card details and a pin code, which led to the possibility of fraud by third parties. Will this event be covered as insurance?
The event cannot be considered as an insured event, since you voluntarily provided confidential data about your bookmaker.
If a fraudulent action occurs in the Sberbank online system and the money is debited from the deposit. Will there be protection?
Insurance for the "Money Protection" product covers only on funds on a bank card. In case the deposit is open debit card, through which, for example, you replenish your deposit, and the funds will be fraudulently deducted from this particular bank card, then the event can be considered as an insurance event based on a set of documents.
What should I do if an insured event occurs abroad - who should I contact?
The insurance policy contains international telephone numbers to be contacted in the event of an insured event. The operator, in your native language, will provide a full consultation.
Insurance services under the Money Protection Program are provided by LLC IC Sberbank Insurance (License SI No. 4331 dated August 5, 2015, address: Russia, 115093, Moscow, Pavlovskaya st., 7, floor 4)
An offer from a bank employee to conclude insurance is a procedure that all borrowers of credit funds inevitably face. Often, when signing a contract, the applicant does not really read the proposed documents. After some time, the person realizes that he has agreed to an unnecessary service and tries to refuse it.
Why do you need insurance
Signing an insurance agreement is a completely voluntary procedure. Sometimes, thanks to this document, the borrower and his relatives receive financial security in relation to loan payments. This becomes available if any circumstances rated as insured events. The latter include:
- death of the borrower of credit funds;
- health problems;
- loss by the applicant of the right of ownership to any property;
- involuntary loss of a job (for example, reduction of staff by the organization).
However, it is important to understand that the availability of monthly payments for insurance services sometimes exceeds the payment of the loan itself. In addition, there are no guarantees of the occurrence of at least one of the insured events, while it is necessary to pay for this contract regularly.
The imposition of life and health insurance services on the applicant is an absolutely illegal action on the part of employees of a credit institution.
Nuances
There are several cases for which the signing of an insurance agreement is a mandatory procedure and is not subject to termination. These include:
- the purchase of housing in a mortgage, since real estate is subject to insurance;
- buying a car through a car loan for the same reason;
- loan when collateral is subject to compulsory insurance property.
Other situations legally (Article 935 Civil Code Russian Federation) allow immediately or after some period after the conclusion of the agreement to write a statement of refusal from the Sberbank insurance contract. Moreover, the organization, to which the applicant applies with this document, reacts extremely reluctantly to the indicated wishes of his client.
Actions of bank employees
To ensure that the client signs a life and health insurance contract, employees of a credit institution go to some tricks. For example, one of the methods of implicit pressure on the borrower is a significant increase in the interest rate. Additionally, you may be required to pay any previously unannounced fee.
With a superficial assessment of the situation, the client believes that it is cheaper to conclude an insurance contract, which he does in the future. However, it would be wiser to first study the loan offers of other organizations. Probably, in some of them, insurance is not necessary and does not affect the decision to grant a loan.
How to terminate the agreement
Having decided to refuse the imposed service, the client must carefully read the signed contract. The document will necessarily spell out the conditions under which you can terminate this agreement. If the organization allows termination at any time (at the time of the loan), the borrower will need to draw up an appropriate application. You can use the established sample or draw up a document in any form.
An application form for waiving insurance on a Sberbank loan can be obtained directly when contacting a credit institution. The document must include the following information:
- full name of the applicant, his contact phone number;
- data of the identity document (series, number, when and by whom it was issued);
- the reason why the applicant decided to terminate the insurance agreement;
- the signature of the applicant and the date of preparation of the document.
Also, the applicant has the right to terminate the insurance contract without giving reasons within 5 days after its conclusion.
What amount will be returned
The amount of money returned to the client of his funds is directly related to the amount of time elapsed after the conclusion of the transaction. By law, you can return the money in full if the contract was signed no earlier than 2 weeks ago. Otherwise, the amount will not be fully refunded. This is due to the fact that the insurance contract is already active, which means that the client will have to part with 13% of the amount paid by him ( income tax). For non-residents of the Russian Federation, the borrower's loss in money will amount to 30%.
Some cases should be highlighted in which the statute of limitations for concluding an insurance agreement does not play a role for the return of funds. This category includes:
- Situations of full early fulfillment of all obligations to credit institution. The client can count on a return of 57.5% of the funds (the calculation is carried out in proportion to the remaining time of the loan in months).
- Age restrictions (less than 21 years old for everyone, over 55 and 60 years old for women and men, respectively).
- borrower's incapacity.
- Health restrictions. A complete list can be found in the terms of the contract. In addition to the standard ones, it includes a clause about the inability to work due to a stroke, serious illnesses and other injuries.
Compliance with the reality of at least one of the last three points allows the client to count on the return of the money paid in full. In all cases, you can receive money in cash or by transfer to a bank account.
Important! The procedure for terminating an insurance agreement does not entail an increase in the interest rate on credit obligations. An application for waiving insurance on a Sberbank loan (sample) can be obtained directly from the organization.