Is life insurance mandatory with auto insurance? Life insurance with OSAGO: what does it give, is it necessary to draw up and how to refuse? Is auto insurance mandatory in Russia when it comes to casaco

If, when buying a compulsory motor third party liability insurance (OSAGO) policy, the driver is offered to issue such a policy exclusively in a package with an additional service, most often life insurance (about 1000 rubles), several laws are violated at once Russian Federation.

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 that has shown itself to be such an unscrupulous partner?

The law protects the interests of citizens

Insurance of a person's own life or health is a voluntary matter, and cannot be imposed on a citizen by anyone as an obligation that conditions 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 on the obligatory purchase of other services (Article 16, paragraph 2 of the Federal Law of February 7, 1992 No. 2300-1 “On Protection of Consumer Rights”). Losses caused to the consumer by violation of his right to free choice are reimbursed by the seller in full.

The insurer cannot refuse to conclude an OSAGO contract to the car owner who has submitted Required documents(clause 1.5 of the current version of the "Regulations on the rules for compulsory insurance of civil liability of vehicle owners", approved by the Bank of Russia on September 19, 2014 N 431-P).

An unreasonable refusal to issue an OSAGO policy or the imposition of additional services when purchasing it 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-FZ).

Why do insurance companies sell life insurance?

Insurance rates for OSAGO are insignificant, and increased in 2014 maximum payouts each victim is 400 thousand rubles (for property) and 500 thousand rubles (for life and health).

Many insurance companies did not escape the temptation to close the "unprofitability" 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 very knowledgeable customers.

Most often, the case is put on stream: at the time of registration of the OSAGO policy, the driver is declared an amount slightly exceeding the actual cost of the policy. Many insurers do not pay attention to this.

Those who ask get the answer that there are no forms for “clean OSAGO”; or it can be issued only after the inspection of the policyholder's car, and the inspection can be scheduled no earlier than in 1-3 months (according to clause 1.7 of the Regulations on Insurance Rules N431-P);

They try not to give an official refusal to conclude an OSAGO agreement in branches, sending him to the company's central office.

What to do

The best thing to do is research the issue first. Using an online calculator, calculate the cost of your OSAGO policy on your own, and find an adequate insurer offering compulsory insurance without imposed additional services. For example, "Consent", "Renaissance Insurance", "RESO Guarantee" or another company that is part of the Russian Union of Motor Insurers (RSA). Issue an electronic OSAGO policy (introduced on July 1, 2015).

But other methods are also possible, which are 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 mail. The application form can be downloaded from the RCA website. You will need to attach copies of: the applicant's passport; driving license; diagnostic card, vehicle registration certificate, vehicle passport.

Alternatively, you can fill out an application in 2 copies and personally drive up to the selected office with the prepared package of documents. Leave this package there with one copy of the application, and on the second (we leave it to ourselves), we ask the insurance employee to put the date of receipt of documents and sign. After 30 days, come again and issue OSAGO without extra payments.

• You can record a verbal refusal to issue an OSAGO policy without additional services on a voice recorder, or come with a witness. And then, attaching the testimony of the witness and the audio recording made, send complaints to Rospotrebnadzor, the Prosecutor's Office, the RSA and the Bank of Russia Consumer Protection Office, indicating the numbers of policies purchased from this insurance company.

Life insurance and OSAGO are different insurances that do not depend on each other. Insurers have the right only to acquaint with the offers existing in the company. Everything else can be regarded as the imposition of additional services. If you submit to the court evidence of deliberate, unreasonable evasion of the insurance company from drawing up an OSAGO contract, the insurer will not only receive a fine, but may also lose his license.

The Russian insurance industry has been actively reformed in recent years. Not far off is the time for a widespread transition to electronic clearance OSAGO. So, it will become even easier for competent drivers to live.

You can look at the experience of drivers in concluding an OSAGO agreement in these videos.

Video: OSAGO without additional services and life insurance

Video: How to get OSAGO without life insurance

Buying a brand new car is an exciting experience, and a new car owner driving his "iron horse" out of a car dealership feels like the happiest person on the planet. It is not surprising that when driving a car home, he is extremely attentive and concentrated.

A new car, attention, vigilance, 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 - situations on the road are different ... This is where such a word as “insurance” pops up in memory.

Possible options

Therefore, the study of all begins options, which, in fact, come down to 2 types of insurance:

1. OSAGO;
2. CASCO.

OSAGO

And if everything is clear with OSAGO - this is compulsory insurance and it, according to by and large, not too expensive. As you know, it costs from 1980 rubles. for physical persons and from 2375 rubles. for a legal entity. Of course, this is not the final price tag - it may vary, depending on some, but in general the amount is small. The maximum compensation is 160,000 rubles.

Protecting the car from various incidents is the responsibility of every driver.

Many blame insurers for slowness, red tape, bureaucracy, and outright swindling of clients. However, along with these egregious injustices, there are numerous payments and compensations to victims, so it is not worth it to indiscriminately accuse companies of dishonesty.

Be that as it may, 2000 rubles is not such a huge amount that you should rest against it, because anything can happen on the road, and peace of mind is much more important.

Before insuring a car, drivers need to carry out. Having studied in detail all the points relating to this issue, you will be ready for this difficult, but necessary procedure.

You can find out the features of the most popular insurance companies from, which will greatly facilitate your choice. Be confident in your insurance company.

CASCO

But opinions differ on this type of insurance. Is it mandatory to insure a car under CASCO? - similar questions and debates are full of many automotive forums. But first you need to understand distinguishing features this type of insurance.

Its difference from OSAGO lies in the fact 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:

1. Theft (hijacking) - reimbursement of the cost of a car as a result of theft.
2. Damage - almost all cases are taken into account, such as a failure under the ice, an accident, a flood, a fire, an earthquake, etc.
3. Assistance on the road - insurance covers possible failures in the operation of auto components.

The downside is the price insurance policy- it can reach up to 10% of the cost of a car (per year).

Can you not insure a car?

It is not so easy to answer this question. With regard to OSAGO, he is categorical - “no”. This insurance is mandatory, whether the owner of the car likes it or not.
But with regard to CASCO, the answer is somewhat different - "it is possible, but not always." In general, this type of auto insurance is not mandatory, but there is an exception to this rule.

Insurance policy - 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 out. So in this case, there is no possibility to jump off the “insurance hook” - you will have to buy a full CASCO.
As for other cases, such car insurance is not mandatory, so the owner has the right to make his own choice.

In order not to fall into a simpleton, drivers need to know

If your battery is dead, don't panic. In order for the lighting process to go smoothly, you need to remember the correct sequence of actions.

Forgot your keys out of distraction? The engine can be started without them. Check out useful information

Pros and cons

Verbal battles over CASCO literally swept the Internet, and both the former and the latter have very serious evidence. Particularly zealous debaters do not stop even before using obscene expressions against opponents. So it is worth considering the most popular and frequent arguments of the parties.

"Per":

• Calm - in the truest sense of the word. The car owner can sleep peacefully without fear that in the morning he will have to pay a large amount for car repairs. Even in case of any excess, the insurance company will pay for everything.

From misunderstandings on the roads, unfortunately, no one is immune.

• Trouble - all the problems of car repair (from the purchase of spare parts to the payment of the masters) are solved by the same company, without disturbing the owner of the car for nothing.
• Fast payout - as a rule, payments occur in the shortest possible time, in contrast to the red tape for OSAGO.

"Against":

• Unjustified high cost of insurance - after all, it often happens that a car did not get into an accident at all in a year, 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 repairs.
• Saving time - no matter how fast the work of the company is, there is still no escape from paperwork, and this greatly delays the repair.
• Exceptions - each insurance company stipulates in the contract cases when compensation for damage is not due.

Outcome

As you can see, there is no single point of view and cannot be. So it is impossible to unequivocally advise the owner: to insure his car or not. OSAGO is compulsory insurance, but CASCO - to choose from (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. It is necessary to contact several companies and find out their conditions, since the price can vary significantly (sometimes 2 times), under the influence of many factors:

• auto class;
• driver experience;
• franchise and more.

So when applying for CASCO, you need to be extremely careful not to overpay just like that.

Because you are wasting money and time paying for inefficient paperwork in the insurance and police.

Before, I was always insured and felt protected. Once I saw a Volga, which, circling around its axis, flew at me from the oncoming lane. They say that at such moments life flashes before my eyes, but I thought only one thing: “It’s good that I insured myself.” It was stupidity: do not dodge, I would have a pipe. After me, "Volga" collected 5 cars and killed five.

I don’t know what I would think if this situation happened again now, but it’s probably about something else.

Did everything right?

Probably, everyone has a friend who did not fix the car for six months until everything was settled with the insurance. The industry, in addition to hundreds of clerks, is overgrown with brokers, its own people in insurance, and finally just corrupt officials. All this is funded by our insurance premiums.

Fortunately, CASCO is not yet mandatory in Russia. you can be themselves as an insurance company and make a profit that would otherwise have flowed away to the insurers on their cheerful excesses:

On Friday, the head of Rosgosstrakh, Daniil Khachaturov, celebrated his 35th birthday with friends. The wife of the birthday boy arranged a striptease, the Norwegian band A-HA performed their most famous hits, and instead of the festive fireworks, a police car was blown up.
Kommersant

Wife of the head of Rosgosstrakh
Daniila Khachaturova Uliana

Time

First, it saves time. 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. It takes 200 minutes to go to the service along the path: compare it with Lexus Losiny Ostrov, in which leather sofas and a beautiful reception pour coffee, but then you have to cut through the construction market to catch a car.

Insurance repairs are always redundant paperwork. Insurance companies understand the deplorability of the situation, but they are not going to reduce: the insurance payments department is the last place where you are happy to pay.

As a measure to combat chicanery, insurance companies sell VIP packages with the departure of an emergency commissioner. In practice, this is a way to draw more more money still not solving problems.

<скучное>

I once bought such a “VIP package”. I have bought a lot:

• Stupid Caesar Satellite with a $1500 install and a $60 monthly subscription fee that didn't save you from a hijacking attempt. Saved by chance.
• Repair at the dealer's service station
• Alfa insurance and a VIP package with a free tow truck (fictitious) and an emergency commissioner (grandfather on a VAZ 2105).

One morning, I discovered that they were trying to start the car: some kind of picker was sticking out of the ignition switch.

I returned home at midnight: I received guests all day: the police investigator, who was not even going to start a criminal case, the idiotic Caesar-Satellite specialists who looked at what was wrong, the commissioner, who called not a tow truck without a manipulator, finally, he called for his own money finally called a tow truck, which took the car away.

That was not all: there were no more places in the parking lot of the official dealer, so I took it to a paid parking lot, from where I took it to the service again. There were nothing left: to speed up the repair at the dealer and take the car for a day to the idiotic Caesar-Satellite for a system check.

Money

I regularly paid insurance, until one day I did not pay. This year was the last in the life of the white Lexus RX300.

wreckage

Frontal collision with 40% overlap - as in EuroNCAP safety tests. The rival is the same Lexus, only black. “Chess,” said a friend. - "Combat Draw".

I sold the car for parts. In addition to the OSAGO limit, I did not receive money from the villain, Ustorkhanova Luiza Idikovna, registered in Grozny.

And yet, the total loss did not exceed the cost of insurance. So, the catastrophe in the form of the insane Louise Idikovna in the oncoming lane is a kind of annoyance, nothing more; something more dramatic is needed to satisfy the appetite of insurers. I'm having a hard time figuring out what. I pass.

learning lessons

I do not insure CASCO.

I really, really like walking and taking the subway and sometimes don't drive for weeks. This improves life by 10%.

I also have a somewhat eccentric method of transportation: put on sportswear and run to meetings: to the metro, from the metro if there is a traffic jam - run, if not - catch a car. The point is to move as fast as possible. If you don't care about the sidelong glances from jogging along the subway crossing, then it turns out very quickly. In Moscow, by car, I only lay an hour on the road to the place (so as not to be late). In the described way in an hour I have time do two things.

I also look up to see if the icicle is flying - I'm not sure that this habit is useful: this way you can get the icicle not from above the hat, but directly to the front.

When do you need insurance?

When the loss of a car will fundamentally change your life. My driver worked in a taxi in his car. When it was stolen, he had to rent a taxi from a taxi company, which greatly reduced his family's income.

<скучное>
He insured, but even here it was not without nasty things: the police did not issue any kind of conclusion, because of which the insurance company did not pay insurance. All this dragged on for 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 the same, or cheaper, or I will take the subway.

And to spit, you ride the subway or by car, there is a theory points of discomfort, which I borrowed from the head of the Mirax Group, the same one who named his son Mirax. As you can see, the same people can generate both healthy ideas and idiotic ones. When stupid thoughts come out of you, it is so important that there is someone nearby who will pay attention to it. Thank you commenters :)

In questions about whether it is mandatory to insure life when insuring a car, there are several subtleties. Any type of insurance does not bring anything bad, but on the contrary, it helps to get at least a little help financially.

But often when buying a policy, many insurance companies use the imposition of additional services in a completely different kind of protection. And then, it’s really interesting, but is it necessary to insure life when insuring a car under OSAGO in 2020 and is it legal at all.

You should not think that only you had to face such injustice as life insurance tied to the "autocitizen". Many car owners are not even aware of the purchase of "autocitizenship" 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 an application for OSAGO saying that there are no forms, and they also come up with other illegal reasons. You can come up with many cases of refusal, but is life insurance mandatory with OSAGO in 2020 remains open question. The most acute issue is during the purchase of the first policy.

In general, the cost of life insurance imposed on OSAGO is not very high. But the legislation on compulsory insurance of such actions on the part of the UK does not provide for and even punishes unscrupulous firms.

That is, the opinion that there is no OSAGO without buying a life insurance policy is a complete delusion. In 2020, driver liability insurance is allowed separately from other types of protection when you think you do not need them.

Amendments to the legislation on auto insurance

Back in 2014, "autocitizen" has undergone a number of changes in the provisions. These provisions do not say anything about the fact that life insurance and OSAGO should go in parallel and be purchased jointly.

When asked whether it is possible to insure exclusion Additional services, unscrupulous organizations respond categorically, because they do not want to lose profits through innovation. Innovations in the legislation applicable to OSAGO insurance consisted in changing the amount of compensation and fines.

• Services for the protection of life and health are additionally attached to OSAGO insurance, then the UK 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 under the Europrotocol has been increased. This document is filled out without the participation of the traffic police, by mutual agreement of the drivers. Compensation for victims has also been increased to 500,000 rubles;
• A car owner can insure a car under OSAGO in any selected insurance company, but after a car accident, an application should be made to your company, and not to the initiator of the accident, in order to receive compensation.

Why is life insurance not mandatory?

Not many Russians know their rights, especially with regard to mandatory and voluntary insurance. Since in the case of a car, insurance is mandatory, it means that you cannot legally get away from it. But in the case of voluntary protection of life and health, the insured has the right to think and refuse.

There are no terms of the contract that infringe on the rights of the consumer in the law "On OSAGO" is not provided. The type of driver liability protection is provided in a single copy and covers only the risks associated with liability on the roads.

Every Russian has the right to choose whether to defend life or not. Since this option of protection is voluntary, its imposition makes the agreement unclaimed.

But many ICs prefer to attach life protection to OSAGO, trying to make the most of it. When a driver in insurance is forced, what to do we will consider further.

Why do insurance companies sell life insurance?

Refusal to provide forms for the protection of civil liability of OSAGO is unauthorized. But greedy insurance companies Despite the laws, they try to stay in profit.

The driver has the right to refuse life insurance when applying for OSAGO, but the UK is free to insist and simply not sell the form. The answer to the question of why companies do this is the amended provisions in the law on “car citizenship”.

That is, the allocated funds for treatment, which may be needed by the victims, have been increased. This means that insurance companies have to pay more to the victim than before. The unprofitability of this type of protection is possible and forces the UK to proceed with the law and impose more profitable insurance.

Which insurance companies issue an OSAGO policy without life insurance

If the IC department tells you that it is necessary to insure the driver’s liability about insufficiency, but you still have to pay transport tax and purchase another additional service, leave the office as soon as possible.

The driver is only required to insure civil liability. Other services are not included in the list. SK insisting on their own, scammers. In order not to initially fall for the bait of greedy insurers, 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 their reputation will not impose additional services on you. Because they have a fairly large financial turnover and so they get a good profit from other projects.

It will not be a secret, these companies are:

• AlfaInsurance;
• Tinkoff;
• SOGAZ;
• Agreement;
• MAX;
• RESO.

Where to complain if additional services are imposed

Periodicity and continuity are obligatory for car insurance. In case of termination of the current insurance period, it must be renewed as soon as possible. Otherwise, traffic police officers will consider your forgetfulness as non-compliance with the law.

Some insurance organizations, 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 interruptions in insurance, many drivers are subject to such manipulations.

We have already said earlier whether it is legal when they are forced to insure life under OSAGO and the answer will be negative. But how to deal with it? You applied to the insurance company, and you are denied the issuance of insurance documents, then it is allowed to complain about it.

The claim is sent to the company itself. For these purposes, you will need a written claim statement reflecting the essence of the problem. Thanks to the new rules, the IC should take no more than 5 days to consider 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 it by mail.

How to return life insurance with OSAGO

Having realized not immediately after talking with an agent not entitled to impose life insurance that you have unknowingly overpaid for the policy, you need to act quickly. Any insured has the right to refuse life insurance with OSAGO, even with an already signed agreement, to which the driver paid attention only at home.

But there are some nuances. In order to return the money in full, with an application for refusal, you must come to the head office of the company within five days. But the insured, who came to his senses much later, will not receive a full refund, since in fact the insurance has begun direct action.

Return procedure:

1. We head to the head office of the insurance;
2. We write an application with a request to exclude the life insurance policy from OSAGO;
3. Attached required package documents;
4. We receive a duplicate of the application with the signature and seal of the insurance agent;
5. We are waiting for a refund.

How to cancel life insurance in Rosgosstrakh

Let's use the example of the most famous insurance company to analyze in detail what to do in the case of life insurance imposed under OSAGO in the IC RGS. 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. If you find the cost overrun when you arrive home, try to return to the company office as soon as possible or return the next day.

Gather the following documents and make copies of them:

• The “autocitizen” itself, namely the issued form;
• Application for a refund due to the imposed service;
• Life and health protection policy;
• Passport;
• Personal account for transferring funds.

Having collected the above list of documents, go to the office of the UK. Unscrupulous insurers do not make concessions and ignore claims from customers. But if you don’t get an answer even after filing an application, go to a more serious authority.

For the Union of Insurers and the Central Bank, you will need a duplicate of the application sent earlier to the UK. Organizations standing above the insurers consider claims only having received a refusal from the UK in a request for a peaceful settlement of the current issue.

The May survey showed that almost 10% of policyholders in the Russian Federation, if they have not yet decided, are thinking of abandoning the purchase of OSAGO because of its high price. Is such a decision justified? How much does it cost to drive 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. There are three types of sanctions for it.

1. When an auto citizen is issued, but there is no policy with him, the driver falls under Part 2 of Art. 12.3 of the Code. His destiny is the payment of a fine for driving without OSAGO of 500 rubles or a warning (or both).
2. The same will happen if the 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).
3. If OSAGO was not issued in principle, the owner of the vehicle will pay a fine of 800 rubles for driving without insurance. This defines Part 2 of Art. 12.37 Administrative Code.

At first glance, the penalties are small. But no one says that they are one-time. In confirmation, there is an example that will demonstrate that there is no unequivocal answer to the question of what punishment for driving without insurance a driver should expect.

A car enthusiast drove for a year and a half without OSAGO past the traffic police post. It seemed to be the norm. But once the system failed, a striped baton rose in its usual place in front of the hood of his car.

Having learned about the lack of insurance, service workers issued a warning. And they reported the violator to the next post. So, along the "chain" information was transmitted along the route of the car three times. Bottom line: 2.4 thousand - that's what a fine for driving without insurance waited for the owner of the vehicle. And this is in just one day.

But even this did not lead that driver to get autocitizen. It turned out that the most unpleasant thing in punishment is not what fine, if there is no insurance, you have to pay, but the very prospect of communicating with controllers.

Auto insurance is not only a legal requirement

The policy of the driver is, first of all, a guarantee of his financial well-being. And it is worth considering its design not from the position that threatens for driving without insurance under the Code of Administrative Offenses, but from the point of view of one's own financial stability.

• Refusal from OSAGO 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, twice paid a fine for driving without traffic police insurance (this is not much), 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 the same 10,000-15,000.
• V case of an accident the driver can only wait for the traffic police. Hiding from the scene of an accident is a much bigger offense than driving without OSAGO insurance. According to the Europrotocol (without the traffic police), it will not be possible to agree either. One of the key conditions for such a format for settling an incident is that both participants have a policy.

What is more profitable - with OSAGO or without?

Without OSAGO, the well-being of the driver is not protected in any way. If he is the culprit, the amount of damages will be demanded from him. And employees who arrived at the scene of an accident can also impose a punishment for driving without insurance. If the other participant is guilty, there is no guarantee that the policy is issued by him. That is, in the best case, compensation can only be obtained through the courts.

In addition, the price of the policy is paid once a year. And the fine can be paid every day and more than once. It all depends on how seriously the traffic police will "take" the driver. So that main question the driver should not be reduced to how much the fine for driving without insurance will be assigned by the Code of Administrative Offenses, but to 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. There is us, we have a calculator that calculates the cost of OSAGO for several large companies at once. You set the conditions and choose the best price - without queues, additional products and other distractions.

V SA "GALAXY insurance" You can immediately order auto insurance. 2-3 clicks - and you are not afraid of a fine without insurance. It remains to wait for the paper version of the policy, which will come by mail.