Insurance for consumer credit in Sberbank. Returning insurance is easy - how to do it on a Sberbank loan (sample application)
Credit insurance is a voluntary service, i.e. the client has the right to choose. Credit managers often fulfill their obligations in bad faith, palming off an agreement for signature and assuring that without this clause, the application is unlikely to be approved. Have you also experienced this situation? Then you need to know how to return Sberbank loan insurance. This will help you not feel timid when applying for a loan.
Return of insurance after loan repayment
The return of the amount of insurance to an individual after paying off the debt is possible only at the insurance company, but Sberbank is a direct insurer, and therefore you need to contact its employees. If a person paid the last amount within the period specified in the concluded agreement, then it will no longer be possible to get the money back. Refunds can only be made in 2 cases:
- early repayment of debt when insurance is no longer needed;
- refusal of insurance while the debt is still being paid.
Sberbank loan insurance is returned if no more than 3 years have passed since the full payment of the debt. This is the statute of limitations when such cases are still pending. Here's how to return insurance on a loan from Sberbank:
- To do this, you just need to file a claim in the form of an application for the manager of the branch of Sberbank where the loan was issued.
- Managers may not give you forms and assure that it is impossible to get the insurance money back, referring to the bank's charter - require documentary evidence of their words.
- If a bank employee does not make concessions, contact the manager directly.
- In case of early payment, an application for a refund of insurance money must be written on the day of repayment in order to receive your funds back.
Here is how much you can get:
- In case of early repayment - this is the amount of funds for the remaining period of the credit relationship, if only the sum insured was paid immediately in one payment. The bank will only charge a service fee.
- With still existing credit relations - 100% of the amount, if a person applied within a month after the transaction was completed, 50% - if a month later.
There are several nuances that require special care when signing documents, because you agree with everything that is indicated there. These are the points:
- whether a refund is provided for early payment;
- what percentage of the funds is supposed to be paid to the client and what it depends on.
consumer credit
This type of loan involves insurance of the borrower himself, i.e. his life and health. Unlike mortgage, this type of insurance allows the return of the funds paid. You will need a whole package of documents:
- copy of the passport;
- a copy of the previously concluded agreement on the issuance of credit money;
- insurance policy;
- checks for full payment of credit debt and insurance funds.
With the documents, go to the branch of the bank where the loan was issued. Ask the manager for an application form. Write it to the manager of the branch where you applied. In order for you to prove your position in the event of a court, correctly fill out the application in 2 copies. Keep one for yourself, but do not forget to demand to put a mark on it that the manager has accepted your application. You should wait 10 days for a response from the bank - you can even indicate this period in a written appeal. After the expiration of the period, you can safely go to court if the employees have not contacted you.
Mortgage
Mortgage is designed to facilitate the solution of housing issues. It is taken for a long time, so the bank needs guarantees for the security of both the apartment that is pledged and the life of a person. If property is insured, then the insurance funds cannot be returned until the loan document is terminated, i.e. To pay back the insurance funds paid back, you need to pay off the mortgage ahead of schedule. If the life of the borrower is insured, then such a service is allowed to be refused with credit relations still in force. Here's how to return insurance at Sberbank with a mortgage:
- Collect a package of necessary documents, consisting of a copy of the passport and a transaction on credit relations, an insurance policy, a certificate of full loan repayment, a copy of the concluded agreement and payment insurance checks.
- Go to the bank branch to write an application. Do not forget - there must be two of them so that one remains in your hands. Follow the manager, because he must put a mark on the acceptance of your claim. There is another option - send it all by mail as a registered letter with the obligatory notification that it was received.
- Wait 10 days for an answer and only then apply to the court.
car loan
Car loan insurance involves the return of insurance funds on the same principle as for a mortgage. If the car itself is insured, then it will not be possible to receive these funds until the loan debt is paid off. If the bank ensures the safety of the borrower himself, then the insurance at the bank for the loan is returned in the manner described above. Documents required:
- a copy of an identity document;
- a copy of the loan agreement;
- confirmation of debt repayment;
- insurance policy and checks confirming payments under the terms of insurance.
After collecting the documents, go to the Sberbank branch where you took the loan. Write there 2 applications on the issued form. Leave one, with a note on the date of filing the claim, in order to have confirmation of the appeal in case of litigation. Wait for the specified period, which is more often 10 days, but can be extended up to a month. If there is no response, get ready for litigation.
Sample Application
When writing a claim at the bank, you must be provided with a standard application form, where the main points are:
- Name and address of the bank.
- Full name of the borrower.
- Passport data.
- Phone, email.
- Number and date of the loan agreement.
- Date of application, signature of the borrower.
Return of insurance in case of early repayment of the loan
If you need to get back the sum insured during the payment of the debt, then it is better to issue a waiver of credit insurance. You need to do it no later than a month from the moment you took it, so that you will be given all the funds paid. How to cancel credit insurance? Go to the branch of Sberbank with the above package of documents. Only a certificate of full repayment of the debt will be missing, because you are still paying it. Credit insurance is refunded according to the following conditions:
- If you find an imposed service within 30 days after the loan was issued, then the amount that will be returned to you will be in full, only taxes will be deducted. Cancellation of the insurance clause and the term for the return of money - 1 day.
- If you decide to cancel insurance after receiving a loan after 31 or more days from the date of signing the contract, the amount of the refund will be equal to only half of the amount paid during the period specified in the insurance policy. The return period is 14 days.
Another problem is the early repayment of the loan. Here your actions should be as follows.
Some programs require life insurance. And even in cases where this procedure is voluntary, bank employees recommend taking out an insurance policy to increase the chances of obtaining a loan. Consider what the policy gives, when it is worth getting it, and under what conditions it is possible to return the insurance after paying off a loan at Sberbank.
Features of voluntary loan insurance
In the consumer loan program, the execution of an insurance policy is not a prerequisite.- If the loan program does not require compulsory insurance, then you can refuse to apply. But at the same time, it should be remembered that it is the absence of a policy that can cause disapproval of a loan application.
- Life insurance when applying for a loan should not be considered as the desire of the bank to earn money. The policy is a guarantee that debts in unforeseen situations will not be paid by his relatives.
When can I return my insurance policy?
There are two options for returning insurance: after repayment of the loan and within a month after the approval of the application. In the second case, the money is returned to the account. By canceling the policy, the loan amount becomes higher than when signing an insurance contract. This is because the insurance is paid by the bank itself and takes this amount into account when repaying the debt on the loan. And since there was a refusal, the money for the policy can be transferred to a credit account.The insurance procedure is carried out within the framework of a special project from a subsidiary company - Sberbank Insurance. The policy is issued for:
- accidents resulting in loss of ability to work;
- death.
Benefits of mortgage insurance
Sberbank even makes concessions to clients who have a policy - it lowers the rate by 1%. Given the size of such loans, this is a good discount for responsible citizens.The list of risks for mortgage loans has been expanded and includes additional items:
- illnesses and injuries that caused temporary disability;
- unforeseen financial difficulties of the family;
- job loss due to layoffs or layoffs through no fault of their own.
The beneficiary of insurance can be a close relative, heir appointed by the client. In the event that the borrower cannot fulfill his obligations to the bank, the heir receives insurance and subsequently repays the loan on his own.
Validity of insurance after full payment of the loan
In the event that the loan is repaid ahead of schedule, the insurance policy does not lose its relevance. It is allowed to return some part of the money paid under the insurance contract. The policy terminates if one of the following requirements is met:- written refusal;
- one of the insured events occurs;
- the borrower is seriously ill, and insurance cannot be issued by law.
Insurance return procedure
The amount of money that can be received varies depending on the time of purchase of the policy:- up to a month. If there was a refusal of insurance at this time, the entire amount is returned;
- up to six months. The refund is not more than 50% of the insurance price;
- over six months. In this case, you should not count on insurance compensation. You can go to court after the bank refuses, but it is not advisable, since a small amount will be returned. At the same time, he must provide evidence that the funds are still available.
You should not wait for the manager who borrows money to tell you about the return of insurance. Knowing about this possibility, you should deal with this issue on your own, having previously received complete information. The procedure is as follows:
- visit the office of a bank or insurance company;
- leave an application and provide information about the loan;
- attach an extract confirming the absence of debt (it is taken from the bank);
- papers are transferred to the manager and considered within a certain period;
- if the application is not considered, you should visit the institution again.
What documents are needed for the return of insurance
To use the return of insurance after paying off a loan at Sberbank, you must fill out an application and provide a certificate of early repayment of the loan.(downloads: 2741)
View online file:
(downloads: 1638)
View online file:
How to cancel an insurance policy and get your money back
It is difficult to do this, as bank employees in every possible way prevent this. The procedure is:- visit the institution within 30 days;
- leave an application and indicate the details of the loan (without explaining the reason for the refusal);
- register an application and await consideration. If necessary, seek a response through the courts.
Refund amount
The cost of insurance depends on the loan project. The standard option is 2.09%.But there may be others:
- ordinary cases, dismissal from work (through someone else's fault): 3.09%;
- composite project with selected parameters: 2.6%.
The insurance is valid for 12 months, but it can be extended. If a mortgage loan is granted, the policy can be extended many times. If more than six months have passed, the insurance can no longer be returned.
What to do after the full payment of the loan
When the loan is repaid (early or on time), you need to decide on the policy. You can leave it or terminate it and return the money, subject to the conditions. If the insurance continues to be valid, the first step is to change the recipient. The procedure is:- visit the office of the insurance company;
- fill out an application and confirm the absence of debt by taking an extract from the bank;
- change the recipient or choose another project, not a loan;
- after signing the contract, the insurance policy continues to be valid.
View online file:
Compulsory mortgage insurance
If health can be insured voluntarily, then an insurance policy must be purchased for real estate with mortgage lending. Otherwise, the application will not even be accepted for consideration. This rule is supported by law, because:- guarantees the bank a refund;
- guarantees compensation if the property becomes unusable (with the help of these funds, you can make repairs or repay part of the loan);
- if the property is destroyed, the client is released from repaying the loan in full (the money is returned by the insurance company).
- natural disasters;
- fires and floods;
- theft;
- destruction of the object (naturally, not voluntary).
Recommendations from a specialist on the return of insurance on a loan (video)
The lawyer gives general recommendations on the return of insurance within a 30-day period after the approval of the application.
The return of insurance on a Sberbank loan can be carried out within 14 days from the date of joining the insurance program upon a written application of the client submitted to the branch of the bank where the loan was issued. It is this regulation for the return of money on insurance that Sberbank designated in its lending conditions.
It is recommended not to collect documents and submit applications yourself, but to contact trusted offices that do this for sure when the borrower applies within 14 days.
Test: Find out if you can return the insurance on the loan
What is insurance?
Credit insurance is a standard product that banks do their best to impose on a client when applying for a loan, whether it is a consumer or secured loan, a commodity loan, a mortgage, etc. Depending on the chosen insurance package, the client may not worry about payments to the creditor in case of loss of work, health, etc. In this case, the insurance organization with which he has concluded the relevant agreement will answer for the client's credit obligations.
It is clear that the price of insurance will depend on various factors. Much here depends on the purpose of the insurance package. There are several of them:
- job loss
- Serious illness due to which the borrower will not be able to work for a long time
- Getting a disability
- Death
- Bank pledged property insurance.
How much does Sberbank insurance cost?
Sberbank cooperates with more than 30 different insurance organizations, but first imposes on customers the services of a subsidiary called Sberbank Insurance. It is important that the client can choose any other company he considers necessary. The cost of services of this company depends on the type of insurance:
- For accident insurance, the client must annually pay up to 1% of the loan amount for each year of using borrowed funds. For example, if you have a loan for 500 thousand rubles, you will have to pay 5,000 rubles a year.
- For life insurance, the borrower will have to pay up to 4% per year. Thus, for a similar loan, the client will give 20,000 rubles a year.
- An insured event that occurs when you fall ill with any oncological diseases will cost the borrower 1.7% of the loan value for each year.
The loan insurance term will be proportional to the term of the loan agreement. If you received a loan for 10 years, then insurance will be provided for 10 years.
Do Sberbank give a loan without insurance?
Sberbank issues a loan without insurance, but the borrower will have to try very hard to refuse insurance and get a positive decision. Usually, ordinary bank specialists who apply for a loan in the office insist on obtaining insurance for the loan. They literally state that the bank will refuse a loan if insurance is not connected. This is not entirely true.
In most cases, such “tales” were invented by the employees themselves, because for each insurance they take out, they receive a bonus to their salary, which varies from 1 to several thousand rubles for different loans.
However, there is still a grain of truth here. Sberbank is indeed more loyal to customers who have connected the insurance program when applying for a loan.
Who provides credit insurance at Sberbank?
Sberbank operates under a collective insurance program for clients. The program provides for the borrower's accession to collective insurance, under which the parties to the transaction are Sberbank and Sberbank Insurance (a subsidiary of the bank). Thanks to this, the client “saves” time on contacting the office of the insurer. If an insured event occurs, he will need to apply to the same branch of Sberbank with a minimum package of documents, and not collect a pile of papers to apply to the insurance.
On the other hand, collective insurances do not have a 5-day cooling period, thanks to which you can easily return money from insurance of any bank. This possibility applies only to individual insurance contracts.
Another significant disadvantage of collective insurance is its high cost in comparison with individual insurance.
In the first case, the client pays the insurance at the usual rate, as in the case of individual insurance, and additionally pays a commission to the bank for connecting to the insurance program.
If an individual insurance contract were concluded, then the client would be the insured, and the same organization Sberbank Insurance would be the insurer. If the client at the stage of applying for a loan refused collective insurance and personally applied to Sberbank Life Insurance to sign an individual insurance contract, then the bank would not have been able to object to this or change the terms of the loan. With the same success, the borrower can apply to any other insurance company accredited to banks. There are more than 30 of them, and a complete list can be obtained at any department.
How long can I return insurance on a Sberbank loan?
Depending on the type of insurance, the borrower should focus on the dates:
- 5 days from the date of conclusion of the insurance contract. This period is called the cooling period and allows customers of any banks in the Russian Federation to return the money for insurance by writing an appropriate application and submitting it to the office of the insurance company within 5 days. The organization has exactly 10 days to consider the application and transfer money, after which the borrower should already receive his money back.
- 14 days from the day when the borrower was added to the insurance. Sberbank itself provided this opportunity to customers. To do this, they need to take an application for a refund to the bank office where the loan agreement was concluded within 14 days from that moment.
- At any time after the expiration of 14 days, if by the date of the borrower's application, in some miraculous way, the insurance contract has not yet been concluded.
You can also write an application for a refund of money paid for insurance after the expiration of any period, but Sberbank does not guarantee their return. The bank considers such applications on an individual basis and makes a decision based on various factors: the reason for the return of insurance, early repayment, etc.
What arguments can you give in your defense?
- If we are talking about collective insurance, then you can return it by going to court, comparing the actions of the bank with Art. 1102 of the Civil Code of the Russian Federation (unjustified enrichment). If the bank transferred only the insurance premium to the insurer, and kept the fee for connecting to the insurance program, as is usually the case with collective insurance, then such actions can be considered unjustified enrichment. In fact, the bank did not provide any separate service, but only fulfilled the obligations under its agency agreement with the insurance company, which means that it cannot charge an additional fee for this.
- It is possible to demand the return of insurance through an application, and then through the court, if the amount of the insurance premium was included in the body of the loan and interest was charged on it for the use of borrowed funds. By this action, the bank violated Article 16 of the Federal Law “On Protection of Consumer Rights”. The bank accrues interest on the amount of the insurance premium, as on a valid loan, which can be charged as an illegal source of income for the bank to receive an illegal commission, etc.
- The bank did not inform the borrower about the specific amount of the commission that goes to the insurance organization and which remains with the bank for connecting to insurance. With collective insurance, the bank immediately names the total amount, concealing what percentage of these funds goes to the insurance, and what percentage remains. There is a violation of Art. 10 FZ "On consumer protection". It states that the organization must provide the consumer with complete and truthful information that will allow them to make the right choice. In a specific case, the bank misleads the borrower, because the client thinks that the specified amount goes entirely to the insurance company as insurance payment, but in fact only a small part of the funds goes there.
How to return money for insurance at Sberbank?
As mentioned above, the bank gives the client a 14-day period from the date of joining the insurance program to return the money paid for insurance (previously this period was 30 days).
During this period of time, the client must contact the branch of Sberbank where the loan was issued, ask for the appropriate form for the return of insurance. If the client drew up an individual insurance contract, then he would have to go to the insurance organization, and not to the bank branch. In the case of collective insurance, the borrower should apply exactly to the bank office where he concluded the loan agreement.
It is not allowed to send an application by Russian Post, via e-mail or in any other way. The client must personally come to the bank branch. If the borrower has changed his city of residence, he must come to the place of his former presence and contact the office where he applied for the loan.
On the spot, the client needs to fill out an application form for the return of the insurance premium in two copies. One copy must be given to a bank employee, on the other, ask to indicate the date of acceptance, the signature of the employee and the seal of the bank. The second copy should be kept for yourself.
The client must have a passport and a loan agreement with him. Other documents are not required, since the bank has all the information on the borrower and his loan.
If the client has met the 14-day deadline, the bank cannot refuse a request to return money for insurance upon an application submitted through a branch. If the client violated the deadlines and submitted an application after the expiration of the specified period, then his application will be considered on an individual basis. The decision will be made based on consideration of the arguments that the client indicated in his application.
What should I do if a bank employee refuses to accept an application?
Often, clients of a credit institution are faced with complete arbitrariness in offices, where employees simply refuse to accept an application for the return of insurance within 14 days. In this case, the client should immediately invite a senior employee of this department to investigate.
If he also refuses to accept the application, the client needs to write a complaint in the Complaints and Suggestions book, which should be in each department. A similar complaint should be sent by e-mail to the Central Bank of the Russian Federation, contact Rospotrebnadzor with a statement about the violation of rights.
It would be useful to leave feedback on the actions of a particular employee indicating the branch number, full name of the employee, time of visiting the office and other important information on the Banki.ru website. Bank representatives constantly monitor the review pages and try to resolve disputes in favor of customers. There is no doubt that the bank will find a mistake in the actions of its employee and will accept the application, most likely, will consider it positively.
What to do if Sberbank does not return insurance?
If you filed an application within 14 days, the bank is obliged to return the insurance in accordance with its own conditions. Judging by the reviews of borrowers, he does it. But there are also enough situations when customers apply for a refund of funds paid for insurance after this period has expired. And in 90% of cases, the bank refuses such borrowers due to the fact that they violated the same 14-day deadline for refusal.
In some cases, a complaint about the actions of the bank left by the borrower on the Banki.ru website or any other forum where Sberbank representatives are regulars helps to return the money after the specified period. You can also contact the Financial Ombudsman.
In other cases, the courts help to return the money. If the client succeeds well enough in arguing his desire to refuse insurance and return the money, then the courts take the side of the borrowers. If Rospotrebnadzor is involved in the process, then the chances of winning a lawsuit will increase significantly.
Hello, I am the author of this article and the creator of all calculators in this project. I have more than 3 years of experience in Renaissance Credit and Promsvyazbank banks. I am well versed in loans, loans and early repayment. Please rate this article, rate below.
When considering how to return insurance on a Sberbank loan, one should take into account its type, as well as following the requirements regarding the collection procedure. Today, the loyalty of Sberbank and insurance agencies allows individuals to refrain from it on legitimate grounds at the stage of obtaining a loan and after its actual issuance. The second is achievable under certain conditions.
The execution of an insurance document serves as a guarantee financial security for the person being credited (as well as his relatives) in the event of the realization of certain risks regarding life, purchased real estate and property. At the same time, the existence of both compulsory and additional insurance is legally established. The second one is connected voluntarily, and Sberbank has no right to force it.
What can you insure a loan against?
The insurance focus depends on the type of loan received. The bulk of concluded insurance deals falls on mortgage programs, which imply unconditional and additional loan insurance, promoted in Sberbank as a benefit. Voluntary insurance of various aspects is also possible for consumer loans and credit cards.
From what risks is connected the protection of the borrower:
- death as a result of an accident or health problems;
- assignment of disability due to an accident or sudden illness;
- temporary disability, reducing material security;
- stay in hospital due to an accident.
The protection of an immovable object is valid in case of risks of its deprivation or damage. What are their reasons:
- natural disasters (hurricane, earthquake, etc.) and their destructive weather manifestations (for example, lightning);
- malfunction of housing and communal services systems: wiring, water supply pipes, etc.;
- targeted crimes: fraud in the registration of the sale;
- careless actions of third parties: fire, household gas explosion, etc.;
- defects in building structures that are revealed during operation (usually refers to new buildings): cracks, non-compliance of building materials with sanitary standards, etc .;
- falling nearby objects (trees, poles, billboards, etc.), etc.
The place of application for the return of insurance for a loan at Sberbank is the branches of this corporation (but only when it was initially registered here) or directly the insurer company. The second option involves a personal visit to the office or sending documents by mail.
The answer to the fundamental question about the return of consumer loan and mortgage insurance is positive. The only condition is the observance of a two-week delay for the adoption of this decision and the commission of procedural actions. As for the return of a payment made to the cash desk of any insurance organization, then applying for it specifically to Sberbank is not always relevant.
Sberbank offers a choice of a list of companies approved by it, with which the client can enter into a transaction. It is acceptable to offer your own options, but this prolongs the registration stage. When insuring purchases, as well as life insurance, Sberbank acts as an intermediary. Therefore, contributions are returned here subject to the initial issuance of the policy by Sberbank.
For the parallel execution of independent transactions, to which Sberbank has nothing to do (since they were carried out purely at the initiative of the client), he cannot be held responsible. These include, for example, job loss insurance issued by a third party.
Cancellation of insurance after receiving a loan
Insurance companies provide a specialized "cooling off period" of 14-15 days for the client to make a final decision (when he can agree or return consumer credit and mortgage insurance). Upon its completion, the loan insurance agreement at Sberbank comes into force. The next day, the return of the amount paid for insurance is not provided.
Thus, the client can legally carry out the refusal procedure after the payment of the insurance within the prescribed period. The exact number of days available for reflection should be clarified in a pre-executed contract. The topic of the return of insurance remains unsaid.
According to the rules of most insurance contracts, they continue to operate even when the debt is repaid. But this does not cancel the payment of compensation to an individual under insurance after the loan is repaid. And since the client is still protected, it is simply impossible to return the insurance in case of early repayment.
The current insurance contract does not provide for the following compensations when closing the loan ahead of schedule:
- return of insurance after partial early repayment of a loan at Sberbank;
- return of insurance after full payment of the loan in Sberbank in an early format.
In addition, the insurance lasts only a year and will end in the absence of an official renewal. The client can choose the moment to cancel the debt at the stage of the proposed prolongation. The return of insurance on a Sberbank loan is not required. The simultaneity of these processes can help save money.
Based on the foregoing, it can also be concluded whether institutions return the balance of funds if the debt is closed in a timely manner. No, the return of insurance after repayment of the loan at Sberbank in accordance with the end date in the contract is also not made. Moreover, a large temporary difference is in principle impossible with the planned deal with Sberbank.
A citizen is obliged to visit the office and fill out a standardized form here within 14 days after receiving a loan from Sberbank. The Sberbank Online website does not contain in electronic format forms and samples of an application for the return of insurance on a Sberbank loan. It may be handwritten.
Considering whether it is possible, it is required to take into account the list of documents required for this:
- Russian passport.
- Portfolio of insurance documentation.
- Receipt for paid premium.
To return money for insurance on a loan, you can also write an application yourself by hand, controlling the availability of all the necessary items, and send it through the Russian Post. Also, the insured person risks delay due to postal delays, which will not necessarily be taken into account by the insurance authority.
How much can be returned
You can return the payment amount only in 100% terms and in case of timely refusal (approximately within 14 days after the preliminary agreement is made and the payment is made). However, do not forget about the need to prolong the policy. In case of further disagreement with the next extension, the client will save money for the entire remaining loan period.
Repayment of credit insurance in partial terms after the end of the "cooling off period" is usually not provided. However, despite the use by companies of standard language and parameters, possible specific conditions of service that differ from this principle should be clarified.
Proving the objectivity of the delay may not bring any results. Then it will have to be proved in court, backing up all the facts with a documentary base. This practice is not very common, so it is often easier for people not to break the contract until the end of its one-year validity.
The application, thanks to which you can return the insurance, does not have a state unified form. Rather, it is a typical form of a single institution, which implies the presence of mandatory items. It reflects information from personal documents and issued insurance documentation. Therefore, before filling out, you should prepare a package of papers.
Consider how to return money for credit insurance at Sberbank using an application. Its content:
- Full name of the applicant and other passport information.
- Contacts: phone and/or email address.
- Numbering and date of the insurance contract.
- Details to which funds should be returned.
The fourth paragraph is mandatory, because the insurance company will not otherwise be able to return the money. Even Sberbank's own insurance company will not clarify the functioning accounts in the name of the applicant. After the delivery of the full package of documents, the waiting period for the funds received back will be no more than seven working days.
The practice of cancellation of insurance contracts does exist. Judging by the reviews, many borrowers are afraid of cases of refusal to lend or refinance, therefore, at the stage of paperwork, they cannot say “no” to a Sberbank employee. However, the requirement to connect additional services is characterized as illegal.
At the same time, one should not forget that the lender may even reject the loan request without explaining the reasons, which is indicated in open information sources. All voiced and advertised services do not belong to the public offer, and the institution of Sberbank itself does not belong to the public sector.
In order to avoid unnecessary procedural steps necessary to return money for insurance on a loan at Sberbank, it is recommended to weigh all the advantages and disadvantages and abstain from it at the initial registration phase. In addition, Sberbank increases the number of persons insured with it due to the effect of a favorable discount.
Return of insurance in case of early repayment of a loan at Sberbank, as well as in case of its timely closing, is not carried out. When the borrower, together with the lender, refinance debts, the early repayment of each loan by Sberbank in other institutions also occurs, in which the connected insurance continues to operate. In case of early repayment of the loan, the insurance is functional until the end date of the contract.
It is allowed to return insurance on an existing loan at Sberbank within the time period specified in the agreement (usually two weeks). If the insurer did not take into account the legal rights of the applicant and refused him, then the latter writes a complaint in the manner of court proceedings. By proving non-compliance with mutual agreements, an individual will oblige the evading organization to pay everything that is due to him.
How to get credit insurance back
It is not at all difficult to return insurance on a Sberbank loan if you take the right steps. From the article you will learn how and what to do.
![](https://i0.wp.com/tobanks.ru/uploads/posts/2018-09/1536826333_vozvrat-strahovki-po-kreditu-sberbanka.jpg)
Obtaining credit funds in banks of the Russian Federation is often associated with the imposition of additional services in the form of life, health, property and other insurance. A simple layman may not know, but each borrower has the right to either refuse insurance, or within a specified period to return the amount of the premium in part or in full. This material will tell how to return insurance on a Sberbank loan.
The lender was not chosen by chance. This is one of the largest players in the credit services market, directly related to the Central Bank of the Russian Federation. Therefore, the number of policies issued to citizens in this company significantly exceeds the figures of other organizations. And it is these people who are more often interested in the issue of the return of funds obtained in a not entirely honest way.
Issues of insurance of clients of banking institutions are regulated by the Civil Code of the Russian Federation and, first of all, by special instructions of the Central Bank of Russia. Moreover, in different cases it is advisable to use different methods and algorithms of actions.
Refund of Sberbank insurance after issuing a policy
If, during the signing of the loan agreement, the client did not react and did not have time to legally refuse insurance, “” comes into force. It lasts 14 days from the date of the agreement and can be used to legally terminate the contract with the insurance company. To do this, it is enough to write an appropriate application in the prescribed form, attach documents confirming the fact of payment for services and the policy itself. It will take several days to consider the issue, after which, as a rule, funds are transferred to the specified account number.
If the bank or insurance company issues a negative answer, it must explain it. If the client is not satisfied with the motivation, he can apply to higher authorities, for example, by writing a complaint to the Central Bank of the Russian Federation and Rospotrebnadzor, or to defend his rights in the courts.
But as noted earlier, if everything is done correctly and guided not only by the Instructions of the Bank of Russia, but also by the internal regulatory documents of Sberbank, following their recommendations, then there should be no problems with the return of the insurance premium, as well as "fee for participation in the insurance program" should not arise.
![](https://i2.wp.com/tobanks.ru/uploads/posts/2018-09/thumbs/1536826527_vozvrat-strahovki-v-sberbanke.jpg)
Is it possible to return insurance at Sberbank after early repayment of the loan?
As a rule, an insurance policy is issued for a period similar to that of a loan agreement, and a one-time payment made for the use of services is divided in equal parts by the number of months until the client repays debt obligations. However, practice knows many cases when, due to a sharp improvement in financial situation or other circumstances, the borrower gets the opportunity to close the debt to the bank ahead of schedule. Thus, the term of the policy is also reduced, and this leads to the client's interest in claiming part of the balance of the insurance premium.
Unfortunately, today insurers in the contract directly indicate the impossibility of returning insurance after the termination of the agreement. And when trying to defend their rights in court, this instance takes the side of the defendant, except in rare cases.
Mechanisms for the return of insurance in Sberbank, depending on the departments
A special instruction of the Central Bank No. 3854-U established that lenders do not have the right to put forward additional requirements for borrowers who intend to return the funds spent on insurance. De jure, this means the possibility of submitting an application in free form with a request to terminate the insurance contract. In practice, things are different. To speed up the process and receive money in a short time, you must follow the requirements of Sberbank, which has established various application forms for its insurance divisions.
Return of insurance to LLC IC "Sberbank insurance"
This division insures property, bank cards and other aspects involved in the relationship between the lender and the borrower. In order for the refund event to be completed successfully, you must attach an application in the form of the Insurer:
![](https://i2.wp.com/tobanks.ru/uploads/posts/2018-09/thumbs/1536827053_zayavlenie-na-vozvrat-strahovki-sberbank-strahovanie.jpg)
You can download the application form for the return of insurance at IC Sberbank Insurance LLC here: (downloads: 4033)
In addition, the following list of documents will be required:
- insurance policy;
- a receipt confirming the fact of payment for the services of the insurance company;
- copy of the passport.
After consideration of the application by the responsible official, the client will receive a notification of the decision. In case of a positive response, the funds will be returned to the details specified in the application.
It should be noted that the established application form of IC Sberbank Insurance LLC does not fully comply with the requirements of the Instruction of the Bank of Russia, in particular, the application is required to indicate the “reason for termination of the insurance contract”, while the Instruction of the Central Bank of the Russian Federation says that the return of the insurance premium must carried out on the basis of a written application of the Policyholder, without indicating the reason for termination of the contract.
But we would not recommend finding fault with the proposed application format, or providing, in the case of Sberbank structures. All this can only lead to a delay in the return of insurance.
Return of insurance to LLC IC "Sberbank life insurance"
The second branch of the largest lender, engaged in the provision of services to the population, specializes in issuing policies related to the life and health of borrowers. It is worth remembering that in order to return the money, you should fill out an application in the form approved by this Insurer. You can see his example below.
![](https://i0.wp.com/tobanks.ru/uploads/posts/2018-09/1536827989_sberbank-strahovanie-zhizni-obrazec-zayavleniya-na-vozvrat.jpg)
You can download the application form for the return of insurance at LLC IC LLC IC Sberbank Life Insurance here: (downloads: 3495)
The list of additional documents required to start the procedure is similar to the one listed above.
Return of Sberbank insurance under a collective insurance agreement
The third common format actively imposed on Sberbank customers is voluntary collective life and health insurance. In contrast to the previous two, the mechanisms of work here are different, since the Bank acts as an insurer, and the client is only an insured person.
This time, Sberbank PJSC acts as the main authority for proceedings and appeals, where it is necessary to carry your application. It is also issued in the form of a bank by analogy with the previous example.
Should be remembered that, in accordance with clause 4.1 of the “Terms and Conditions for Participation in the Borrower’s Voluntary Life and Health Insurance Program (applicable to Insured Persons accepted for insurance starting from February 04, 2018) – hereinafter referred to as the “Terms of Participation”” to return the “fee for participation in the program… the client must personally contact the bank branch and then write an application in the prescribed form. Separately, it is noted that " Sending an application by mail or using other communication channels is not allowed.».
![](https://i0.wp.com/tobanks.ru/uploads/posts/2018-09/thumbs/1536829255_prekraschenie-uchastiya-klienta-v-programme-strahovaniya.jpg)
We have serious doubts about the validity of the above thesis, since it limits the client's rights to notify the bank of his refusal by mail. What about citizens who, for one reason or another, cannot “personally visit” a branch of Sberbank and write an appropriate application for refusal to participate in the insurance program? Or what to do in a situation where bank employees do not want to provide an application form for waiving insurance, or do not want to accept an application from a client?
You can read the full text of the Terms of Participation on the Sberbank website, at.
Or you can download the "Terms of Participation" here: (downloads: 171)
The application form that Sberbank offers to fill out for customers who wish to opt out of collective insurance is presented below.
Is it possible to return insurance on a Sberbank loan after 14 days?
As noted above, when receiving a loan from Sberbank, you can be insured by means of concluding an insurance contract directly with the Insurer (IC Sberbank Insurance LLC, IC Sberbank Life Insurance LLC), or you can sign an application and insure yourself under a collective agreement insurance.
In the first case, you act as the Insured, and, therefore, there can be no discrepancies in the Instructions of the Central Bank of Russia. You have 14 calendar days to cancel the insurance and return the insurance premium in the amount of 100%, unless a longer period is provided for by the insurance contract ( and it is not provided). Of course, you can try to return the insurance even after 14 calendar days, but the result of your application review may disappoint you.
Additional information on the return of insurance after the "cooling off period" .
In the second case, you are simply an “insured person”, the SBRF is the insured there. Of course, you can refer to judicial practice and the ruling of the Supreme Court of the Russian Federation and indicate that you must act as the Insured under this agreement. But, as you will probably agree, there is no need for this, because. Sberbank does not obstruct the return of the insurance premium and describes in detail how and what needs to be done.
And so, according to clause 4.2 of the "Terms of Participation", the 14th day begins to be counted from the day following the day the loan is issued, and also that if the 14th day falls on a non-working day, the application can be submitted in next business day.
In these cases "Insurance Program Connection Fee" will be refunded in full. If you apply for a refund of insurance after the expiration of the above period, Sberbank may also make a positive decision on the return of the connection fee. The refund amount is determined on an individual basis.
Return insurance options for customers: what you need to know
![](https://i2.wp.com/tobanks.ru/uploads/posts/2018-09/thumbs/1536829729_chto-nuzhno-znat-pri-vozvrate-strahovoy-premii.jpg)
Practice shows that the commission charged by the bank for issuing insurance can be several times higher than the face value of the insurance policy. In fact, it is a kind of reward to the creditor for popularizing the services of a particular insurance company. Naturally, modern companies specializing in issuing loans and providing other banking services do not want to lose their money. Therefore, when trying to apply for a refund of the insurance premium, you may encounter significant resistance. Employees' excuses vary greatly, depending on their imagination and instructions issued by management. For example, it could be:
- there is no responsible official on site;
- it will take a long time to process the application, as the state is very busy;
- the database is down or there is a hardware problem.
All this sounds natural, and an ordinary client without experience may well believe and abandon his intentions. But if you persist and ask in writing to justify the refusal to accept the application, in almost 100% of cases all obstacles and interfering factors magically disappear, the equipment is instantly repaired on its own, and the person responsible for processing applications materializes at the workplace, like a real magician .
Our returns practice
The specialists of our company have repeatedly faced the task of returning the insurance premium at the request of clients, including helping to return insurance on a Sberbank loan. We have practical experience and some unique knowledge that allows us to quickly resolve this issue in favor of the applicant. For example, if an application was sent to IC Sberbank Life Insurance in a free form, and the department requires a specific one, you can do without a visit to the bank by sending an updated version by e-mail. But such manipulations are effective only for this unit, since the Insurer is obliged to be guided by the Instructions of the Bank of Russia, which, in particular, note the fact that the return of the insurance premium must be made on the basis of a written application from the insured and without indicating the reason for refusal of insurance - an application form for return insurance can be arbitrary! But, nevertheless, we recommend that you comply with the "requirements" of the insurer and provide documents for the return of insurance in "their form".
If you don’t have the time, energy, and desire to fight the system, challenge wrongful insurance refund decisions, and stand in line for hours, just turn to the experts. Based on proven and effective algorithms, we will find a way out of this situation and return the money that belongs to you by law.