Is it mandatory to insure life with car insurance. Life insurance for liability insurance: what gives, is it mandatory to draw up and how to refuse? Is car insurance obligatory in Russia when it comes to casaco
If, when buying a compulsory motor third-party liability insurance policy (CTP), the driver is asked to issue such a policy exclusively in a package with an additional service, most often life insurance (about 1000 rubles), several laws of the Russian Federation are violated at once.
The policyholder has every chance to get his policy without overpayment, with a little effort. But is it necessary to conclude an agreement with an insurer who has proved himself to be such an unscrupulous partner?
The law guards the interests of citizens
Insurance of one’s own life or human health is a voluntary matter and cannot be assigned to a citizen as an obligation stipulating the provision of another independent service to him (Article 935, clause 2 of the Civil Code of the Russian Federation).
It is forbidden to condition the purchase of certain services by the obligatory purchase of other services (Article 16, Clause 2 of Federal Law dated 07.02.1992 No. 2300-1 “On Protection of Consumer Rights”). Losses caused to the consumer by violation of his right to free choice are fully compensated by the seller.
The insurer cannot refuse to conclude a compulsory motor liability insurance contract for the car owner who has submitted the necessary documents (Clause 1.5 of the current version of the Regulation on the Rules for Compulsory Third Party Liability Insurance of Vehicle Owners, approved by the Bank of Russia on September 19, 2014 No. 431-P).
An unreasonable refusal to issue an insurance policy or the imposition of additional services upon its purchase entails a fine for an official of 50 thousand rubles (Article 15.34.1 of the current version of the "Code of the Russian Federation on Administrative Offenses" dated December 30, 2001 No. 195-ФЗ).
Why insurance companies impose life insurance
Insurance rates for compulsory motor third-party liability insurance are insignificant, and the maximum payments paid to each victim in 2014 amounted to 400 thousand rubles (for property) and 500 thousand rubles (for life and health).
Many insurance companies did not escape the temptation to close the “loss-making” of this type of insurance with the help of voluntary-compulsory additional services. This was especially clever for companies with an extensive network of sales offices, and, consequently, a large percentage of not too knowledgeable customers.
Most often, the matter is put on stream: at the time of registration of the MTPL policy, the driver is declared an amount slightly exceeding the real cost of the policy. Many policyholders do not pay attention to this.
Those who ask receive the answer that there are no blank forms for “pure OSAGO”; or can be issued only after inspection of the insured vehicle, and inspection can be scheduled no earlier than 1-3 months later (according to clause 1.7 of Regulation on Insurance Rules N431-П);
They try not to give an official refusal to conclude an MTPL agreement in branches, directing him to the central office of the company.
What to do
The most correct thing is to study the question in advance. Using an online calculator, calculate the cost of your CTP policy on your own, and find an adequate insurer offering compulsory insurance without additional services imposed. For example, “Consent”, “Renaissance insurance”, “RESO guarantee” or another company that is part of the Russian Union of Auto Insurers (RSA). To issue an electronic insurance policy (introduced from July 1, 2015).
But other methods are possible, which is better to try a month before the expiration of the current insurance.
- Send the application and copies of the required documents to the office of the selected insurance company by registered letter. The application form can be downloaded from the PCA website. It will be required to attach copies of: the applicant’s passport; driver’s license; diagnostic card, vehicle registration certificate, vehicle passport.
Alternatively, you can fill out an application in 2 copies and personally prepare for the selected office with the prepared package of documents. There, leave this package with one copy of the application, and on the second (we leave it to ourselves), we ask the insurance officer to put the date of receipt of the documents and sign it. After 30 days, come again and arrange for motor third party liability insurance without extra payments.
- You can record an oral refusal to issue an insurance policy without additional services, or come with a witness. And then, after attaching the testimony of the witness and the audio recording made, send the complaints to Rospotrebnadzor, the Prosecutor's Office, the RSA and the Bank of Russia Office for the Protection of Consumer Rights, indicating the number of policies purchased in this insurance company.
Life insurance and compulsory motor liability insurance - different insurance, independent of each other. Insurers have the right only to familiarize themselves with the proposals existing in the company. Everything else can be regarded as the imposition of additional services. If you submit to the court evidence of the deliberate, unreasonable evasion of the insurance company from the registration of the CTP insurance agreement, the insurer will not only receive a fine, but may also lose the license.
The Russian insurance industry has been actively reformed in recent years. Not far off is the time for the widespread transition to electronic registration of compulsory motor liability insurance. So, literate drivers will become even easier.
You can look at the experience of drivers in concluding an MTPL agreement in these videos.
Video: CTP without additional services and life insurance
Video: How to get CTP without life insurance
Buying a new car is an exciting event, and a newly-made car owner, who is driving his “iron horse” from a car dealership, feels like the happiest person on the planet. It is not surprising that driving cars home he is extremely attentive and concentrated.
New car, attention, alertness, good mood and ... insurance.
However, even this does not guarantee that a bright day will not be overshadowed by an accident or even a small dent or scratch - the situations on the road are different ... This is where the word “insurance” pops up in my memory.
Possible options
Therefore, the study of all possible options begins, which, in essence, comes down to 2 types of insurance:
- CTP;
- CASCO.
CTP
And if everything is clear with compulsory motor liability insurance, this is compulsory insurance and, by and large, it is not too expensive. As you know, it costs from 1980 rubles. for physical faces and from 2375 rub. for a legal entity. Of course, this is not the final price tag - it can vary, depending on some, but in general the amount is small. The maximum compensation is 160,000 rubles.
To protect the car from various incidents is the responsibility of each driver.
Many hay insurers for slowness, red tape, red tape, and frank swindle clients. However, along with these flagrant injustices, there are numerous payments and compensations to the victims, so it is not worth blaming the company for dishonesty.
Be that as it may, 2,000 rubles is not such a huge amount, for which it is worthwhile to rest, because anything can happen on the road, and peace of mind is much more important.
Before car insurance, drivers need to implement. Having studied in detail all the points relating to this issue, you will be ready for this difficult, but necessary procedure.
You can learn the features of the most popular insurance companies from, which will greatly facilitate your choice. Be confident in your insurance company.
CASCO
But opinions on this type of insurance differ. Is it obligatory to insure a car with CASCO? - Similar questions and debates are replete with in many automotive forums. But first you need to understand the distinguishing features of this type of insurance.
Its difference from CTP is that the insurance company pays compensation regardless of who is to blame for the accident. Thus, the following factors are included in the list of risks:
- Theft (theft) - reimbursement of the cost of a car as a result of theft.
- Damage - practically all cases are taken into account, such as a failure under ice, accident, flood, fire, earthquake, etc.
- Help on the road - insurance covers possible failures in the operation of auto nodes.
The flip side is the price of the insurance policy - it can go up to 10% of the cost of a car (per year).
Is it possible not to insure a car?
The answer to this question is not so simple. With respect to compulsory motor liability insurance, he is categorical - "no." This insurance is required, whether the car owner likes it or not.
But in relation to CASCO, the answer is somewhat different - "it is possible, but not always." In general, this type of car insurance is not mandatory, but there is an exception to this rule.
An insurance policy is a safety belt against financial risks.
For example, when buying a car on credit, CASCO insurance is a prerequisite. And here the desire of the client does not play any role, because the bank needs to protect itself from risks. Yes, this approach is not very popular, but there is no other way. So in this case, there is no way to get off the “insurance hook” - you have to buy a full hull.
As for the remaining cases, such car insurance is not mandatory, so the owner has the right to make a choice.
In order not to fall into a simpleton, drivers need to know
If you have a dead battery, do not panic. In order for the lighting process to go smoothly, you need to remember the correct sequence of actions.
Have you forgotten the keys due to distraction? Starting the engine is possible without them. Check out the helpful info.
Pros and cons
Verbal battles over CASCO literally swept the Internet, and the first and second have very serious evidence. Particularly zealous debaters do not stop even before using foul language against opponents. So it is worth considering the most popular and frequent arguments of the parties.
"Behind":
- Calmness is in the truest sense of the word. The car owner can sleep peacefully, not being afraid that in the morning they will have to pay out a large amount for auto repair. Even in the event of any excess, the insurance company will pay for everything.
Unfortunately, no one is safe from misunderstandings on the roads.
- Hassle - all the problems of auto repair (from the acquisition of spare parts to the payment of the work of the craftsmen) are solved by the same company, without disturbing the owner of the car for nothing.
- Fast payment - as a rule, payments occur in the shortest possible time, unlike red tape for compulsory motor liability insurance.
"Against":
- Unjustified high cost of insurance - often a situation happens when in a year the car didn’t get into an accident or the accident was not serious. In this case, the entire part of the money paid to the insurance company would be more than enough to carry out repair work.
- Saving time - no matter how fast the company’s work is, you still can’t get away from paperwork, and this significantly delays the repair.
- Exceptions - each insurance company stipulates in the contract cases where redress is not relied upon.
Total
Apparently, there is no single point of view and cannot be. So you can not definitely advise the owner: to insure his car or not. MTPL is compulsory insurance, but CASCO is optional (with the exception of a credit car).
You never know where you will find where you will lose. The choice is yours.
So if you still decide to buy CASCO, do not rush. You need to contact several companies and find out their conditions, since the price can vary significantly (sometimes 2 times), under the influence of many factors:
- car class;
- driver experience;
- franchise and more.
So when applying for a CASCO, you need to be extremely careful not to overpay for nothing.
Because you are wasting money and time by paying for inefficient paperwork in insurance and police.
I used to always have insurance and felt protected. Once I saw the “Volga”, which, spinning around the axis, flew at me from the oncoming. They say that at such moments life flashes before my eyes, but I thought only one thing: “It's good that I was insured.” It was stupid: don’t be sure, I would have a pipe. After me, the Volga assembled 5 cars and killed five.
I don’t know what I’d think about, repeat this situation now, but I’m sure about something else.
Did everything right?
Probably everyone has a friend who has not repaired the car for half a year until he settles everything with the insurance. The industry, in addition to a hundred clerks, is overgrown with brokers, its own people in insurance, and finally just corrupt officials. All this is funded by our premiums.
Fortunately in Russia, hull insurance is not necessary. you can be themselves insurance company and make a profit that otherwise would have leaked to insurers for their funny excesses:
On Friday, the head of Rosgosstrakh, Daniil Khachaturov, celebrated his 35th birthday with friends. The wife of the birthday boy made a striptease, the Norwegian group A-HA performed their most famous hits, and instead of the festive fireworks, a police car was blown up.
KommersantWife of the head of "Rosgosstrakh"
Daniila Khachaturova Ulyana
Time
Firstly, time is saved. When KAMAZ scratched me, painting the entire side in the service closest to the house took three days. It would have taken two if the master had not washed down. Before the service, walk 200 minutes along the path: compare with the Lexus Losiny Ostrov, in which leather sofas and a beautiful reception pours coffee, but then you need to cut through the construction market to catch a car.
Insurance repair is always excess paper work. Insurance companies understand the deplorable situation, but they are not going to reduce it: the insurance payment department is the last of the places where you are gladly paid.
As a measure to combat crocheting, insurance companies sell VIP packages with the departure of an emergency commissioner. In practice, this is a way to draw even more money, still not solving the problem.
<скучное>I once bought such a “VIP package”. In general, I bought a lot of things:
- The idiotic Caesar Satellite with the installation for $ 1,500 and a monthly subscription fee of $ 60, which in no way saved from an attempted theft. Accident saved.
- Repair at the workshop of the dealer
- Alfa insurance and a VIP package with a free tow truck (fiction) and an emergency commissioner (grandfather on a VAZ 2105).
One morning, I discovered that they were trying to start the car: some picker was sticking out of the ignition switch.
I returned home after midnight: I received guests all day: a police investigator who was not even planning to start a criminal case, the idiotic Caesar Satellite experts who looked at what was wrong, the commissioner who had called not a tow truck without a manipulator, finally called himself for his money finally called the tow truck, which took the car.
That was not all: there was no longer any space in the official dealer’s parking lot, so I took them to a paid parking lot, from where I drove again for service. There were nothing: to speed up the repair at the dealer and take the car for a day to the idiotic Caesar Satellite for checking the system.
скучное>
Money
I regularly paid insurance until once I paid. This year was the last in the life of the white Lexus RX300.
Wreckage
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Head-on collision with 40% overlap - as in EuroNCAP safety tests. Opponent is the same Lexus, only black. “Chess,” said a friend. - “Battle draw.”
I sold the car for parts. In addition to the CTP limit, I did not receive the money from the villain, Ustorkhanova Louise Idikovna, registered in Grozny.
And yet, the total loss did not exceed the cost of insurance. So, the catastrophe in the form of the crazy Louise Idikovna on the oncoming lane is a kind of annoyance, no more; in order to satisfy the appetite of insurers, one needs something more dramatic. I find it difficult to come up with that. I pass.
Learning lessons
I do not insure CASCO.
I really, really like to walk and take the subway, and sometimes I don't go by car for weeks. This improves the life by 10 percent.
I also have a somewhat eccentric method of transportation: to put on sportswear and run to meetings: to the metro, from the metro if the traffic jam — run, if not — catch the car. The bottom line is to move as fast as possible. If you do not care about the sidelong glances from a jog along the subway passage, then it turns out very quickly. In Moscow by car I lay the hour only on the road to the place (so as not to be late). In the manner described, I have time for an hour to do two things.
I also look up if the icicle is flying - I’m not sure that this habit is useful: this way you can get an icicle not from the top of the hat, but directly in front.
When you still need to insure
When the loss of a car will fundamentally change life. My driver worked in a taxi in his car. When she was stolen, he had to rent a taxi from a taxi fleet, which greatly reduced his family's income.
<скучное>
He insured, but even here it could not do without nasty things: the police did not issue any conclusion, because of which the insurance did not pay insurance. All this lasted more than six months, and since the car was bought on credit, he had to pay interest on the loan.
<скучное>
In my case, even if my car is stolen, my life will not change. I will buy another one of the same, or cheaper, or I will ride the subway.
And to spit, you ride the subway or car, there is a theory discomfort pointswhich I borrowed from the head of the Mirax Group, the one who called his son Mirax. As you can see, the same people can generate both healthy ideas and idiotic ones. When idiotic thoughts come from you, it is so important that there is someone nearby who will pay attention to it. Thank you, commentators :)
In questions about whether it is mandatory to insure life with car insurance, there are several subtleties. Any type of insurance does not bring anything bad for itself, but rather helps to get at least a little financial help.
But often during the purchase of a policy, many insurance companies use the imposition of additional services to protect a completely different kind. And then, it’s really interesting, is it mandatory to insure life when insuring a car under CTP insurance in 2020, and is it legal at all.
You should not think that only you had to face such an injustice as life insurance tied to a “motor citizen”. Many car owners do not even realize about buying a “car citizen” with an additional service in the form of life insurance.
This situation is quite common, but there are times when car owners do not accept a CTP statement saying that there are no forms, and they also come up with other illegal reasons. There can be many cases of failure, but is life insurance mandatory for mandatory car insurance in 2020 remains an open question. The most pressing issue is during the purchase of the first policy.
In general, the cost of life insurance imposed on compulsory motor liability insurance is not very high. But the legislation on compulsory insurance of such actions by the UK does not provide for and even punishes unscrupulous firms.
That is, the opinion that without buying a life insurance policy there is no CTP, a complete misconception. In 2020, driver liability insurance is allowed to be isolated from other types of protection when, in your opinion, you do not need them.
Amendments to car insurance legislation
Back in 2014, the “auto citizen” underwent a number of changes in the regulations. These provisions do not say that life insurance and compulsory motor liability insurance must go in parallel and be acquired jointly.
Unscrupulous organizations categorically answer the questions whether it is possible to insure by excluding additional services, because they do not want to lose profits due to innovations. Innovations in the law applicable to compulsory motor third-party liability insurance were the changes in the amount of compensation and fines.
- OSAGO insurance additionally attaches services to protect life and health, then the insurance company is subject to sanctions in the form of a fine. The amount of the fine does not exceed 50,000 rubles;
- The amount of payments for Europrotocol increased. This document is filled out without the participation of the traffic police, by mutual consent of the drivers. Compensation for victims has been increased to 500 thousand rubles;
- The car owner can insure the car under compulsory motor third-party liability insurance in any selected insurance company, but after a car accident, you need to apply with a statement in order to receive compensation in your company, and not in the accident initiator.
Why are life insurance not mandatory?
Not many Russians know their rights, especially regarding compulsory and voluntary insurance. Since in the case of a car, insurance is mandatory, which means that you will not get away from it by law. But in the case of voluntary protection of life and health, the policyholder has the right to think and refuse.
No contractual terms infringing on consumer rights are provided for in the Law on OSAGO. The type of driver liability protection is provided in a single copy and covers only the risks associated with liability on roads.
Each Russian has the right to choose whether to protect life or not. Since this option of protection is voluntary, its imposition makes the agreement unclaimed.
But many UK prefer to attach the protection of life to CTP, trying to earn the maximum. When a driver in insurance is forced to do what we will consider further.
Why insurance companies impose life insurance
Refusal to provide forms for the protection of motor third-party liability insurance is unauthorized. But greedy insurance organizations in spite of the laws are trying to stay in profit.
The driver has the right to refuse to take out life insurance during compulsory motor liability insurance, but the insurance company is free to insist and simply not sell the form. The answer to the question why companies do this is the amended provisions in the law on “motor citizens”.
That is, the allocated funds for treatment, which may be necessary for victims, are increased. This means that insurance companies have to pay more to the injured than before. The loss-making of this type of protection is possible and forces the UK to enact the law and impose more profitable insurance.
What insurance companies issue an insurance policy without life insurance
If the SK department tells you that it is imperative to insure the driver’s liability about insufficiency, but you must also pay the transport tax and purchase another additional service, then leave the office soon.
The driver is only required to insure civil liability. Other services are not included. SK insist, scammers. In order not to fall prey to the greedy insurers initially, it is advisable to independently calculate the cost of insurance. Knowing the real price of the policy, you will understand whether you are being deceived.
Large organizations that value reputation will not impose additional services on you. Since they have a fairly large financial turnover and so they get good profit from other projects.
It will not be a secret, these companies are:
- Alpha Insurance;
- Tinkoff;
- SOGAZ;
- Consent
- MAX;
- RESO.
Where to complain if they impose additional services
For auto insurance, periodicity and continuity are required. In case of termination of valid insurance, it is necessary to renew it faster. Otherwise, the traffic police will consider your forgetfulness for non-compliance with the law.
Some insurance companies, knowing this, are trying to manipulate customers. Companies intentionally do not sell policies, forcing customers to agree to additional services. Since there should be no breaks in insurance, many drivers are engaged in such manipulations.
We already said earlier whether it is legal when people make life insurance under compulsory motor third-party liability insurance and the answer is no. But how to deal with it? You contacted the insurance company, but they refuse to issue insurance documents, you are allowed to complain about it.
The complaint is sent to the company itself. For this purpose, you will need a written complaint statement reflecting the essence of the problem. Thanks to the new rules, the SC should take no more than 5 days to review a claim. If you continue to be ignored after 5 days, then send a complaint to the PCA or the Central Bank of the Russian Federation. It is allowed to send a letter on the official portals of both organizations, and also send by mail.
How to return life insurance for CTP
Having understood not immediately after communicating with an agent not having the right to impose life insurance that they unknowingly overpaid for the policy, one must act quickly. Any insured has the right to refuse life insurance under compulsory motor third-party liability insurance, even with an agreement signed, to which the driver paid attention only at home.
But there are some nuances. In order to return the money in full, with a statement of refusal, you must appear in the head office of the company within five days. But the insured, recovered much later, will not receive a full refund, because in fact the insurance began to act directly.
Return procedure:
- We head to the insurance head office;
- We are writing a request to exclude life insurance from CTP;
- We attach the necessary package of documents;
- We receive a duplicate of the application with the signature and seal of the insurance agent;
- We are waiting for a refund.
How to opt out of life insurance in Rosgosstrakh
Let's take an example of the most famous insurance company and analyze in detail what to do in the case of imposed life insurance in compulsory motor third-party liability insurance in the Insurance Group of Civil Insurance. A person who is going to buy a car insurance policy does not at all assume that without receiving his consent, an additional service will also be included in the tariff.
But in practice, car insurance and an additional life protection policy are not uncommon. Having discovered the excess of value, having arrived home, try to return to the office of the company faster or return the next day.
Collect the following documents and make copies of them:
- The “auto-citizen” itself, namely the issued form;
- A request for a refund due to the imposed service;
- The policy of protecting life and health;
- Passport;
- Personal account for transferring funds.
Having collected the above list of documents, go to the office of SK. Unscrupulous insurers do not make concessions and ignore statements from customers. But having not received an answer even upon the fact of submitting the application, go to a more serious instance.
For the Union of Insurers and the Central Bank, a duplicate of an application sent earlier to the UK is useful to you. The organizations above the insurers consider the claims only after receiving a refusal by the UK to request a peaceful settlement of the issue.
The May poll showed that almost 10% of insurers in the Russian Federation, if they have not decided yet, are thinking of abandoning the purchase of OSAGO because of its high price. Is such a decision justified? How much does it cost to ride without insurance?
What has the law prepared for the violator?
Violation of the norm described in paragraph 2 of Art. 4 FZ-40, is an administrative offense. Three types of sanctions are envisaged for it.
- When a motor citizen is issued, but there is no insurance policy with him, the driver is subject to Part 2 of Art. 12.3 of the Code. His destiny is to pay a fine for driving without compulsory motor insurance in 500 rubles or a warning (or both).
- The same will happen if OSAGO is with you, but the driver who drove the car is not registered in the policy itself. Consequences - a fine of 0.5 thousand rubles or a warning in accordance with Art. 12.37 of the Code (part 1).
- If compulsory motor third-party liability insurance is not formalized in principle, the vehicle owner will pay 800 rubles of a fine for driving without insurance. This defines Part 2 of Art. 12.37 Code of Administrative Offenses.
At first glance, the fines are small. But no one says that they are one-time. In support of this is an example that will demonstrate that there is no single answer to the question of what kind of punishment for driving without insurance to wait for the driver.
A motorist and a half years without OSAGO drove past the traffic police post. It seemed that this was already normal. But once the system crashed, a striped club rose in the usual place in front of the hood of his car.
Upon learning of the lack of insurance, service workers issued a warning. And they reported about the intruder to the next post. So, according to the "chain" information was transmitted along the route of the car three times. Bottom line: 2.4 thousand - that’s what the penalty for driving without insurance was waiting for the owner of the vehicle. And that is for one day only.
But even that didn’t lead that driver behind the auto citizen. It turned out that the most unpleasant thing about punishment is not what kind of penalty, if there is no insurance, you have to pay, but the very prospect of communicating with the supervisors.
Car insurance is not only a legal requirement
The driver's policy is, first of all, a guarantee of his financial well-being. And consider its design is not from a position that threatens to drive without insurance under the Code of Administrative Offenses, but in terms of their own financial stability.
- Refusal from compulsory motor third-party liability insurance in 5 out of 10 cases promises huge financial expenses. A simple case as an example: a person did not draw up a policy for a year, paid a fine twice for driving without traffic police insurance (this is a bit), and at the end of the year he had an accident through his own fault. The result is a loss of 55 thousand rubles instead of those 10,000-15,000.
- In the event of an accident, the driver can only wait for the traffic police. Hiding from the scene of an accident is a much larger offense than driving without compulsory motor third-party liability insurance. According to Europrotocol (without the traffic police), an agreement will also fail. One of the key conditions for this format for resolving the incident is the presence of a policy for both participants.
What is more profitable - with or without compulsory motor third-party liability insurance?
Without OSAGO, the well-being of the driver is not protected in any way. If he is the culprit, the amount of damage is claimed from him. And the employees who arrived at the scene of the accident can also prescribe a penalty for driving without insurance. If the other party is guilty, there is no guarantee that the policy is drawn up with him. That is, in the best case, compensation can only be obtained through a court of law.
In addition, the price of the policy is paid once a year. And you can pay a fine every day and more than once. It all depends on how seriously the traffic police "takes" the driver. So the main question of the driver should not be reduced to how much the penalty for driving without insurance will be assigned by the CAO, but how to purchase a policy at an acceptable cost.
It is not necessary to pay at the upper price limit of the new settlement system for it. We are there, we have a calculator that calculates the cost of compulsory motor liability insurance for several large companies at once. You set the conditions and choose the optimal price - without queues, additional products and other distractions.
AT CA "GALAXY insurance" You can immediately order a car insurance. 2-3 clicks - and a fine without insurance you are not afraid. It remains to wait for the paper version of the policy, which will come by mail.