Car insurance without life insurance. Compulsory car insurance

It's no secret that starting from 2013, to formalize the policy of OSAGO became a big problem. All insurance companies offer to purchase additional insurance products, such as life, health or property insurance. But what if you need car insurance without life and property insurance? In this case, you will get the policy, only it will take a little time to wait.

What to do if OSAGO is needed urgently

OSAGO - compulsory vehicle insurance. This policy must be bought by every owner of the vehicle. Of course, if the contract is needed urgently and there is no desire to argue with the representative of the insurance company, then you can agree to the terms of the company and buy all the additional services.

If you do not want to overpay, then you can use the following algorithm. This guide will help you buy only the compulsory insurance policy.

Buying a policy without additional services

The first step is to fill out an insurance application. The application form can be obtained at any office of the insurance company or downloaded on the World Wide Web. The application must reliably fill in all the fields.

After the application is filled, you need to know the value of your contract. To do this, you can use the online calculator, which is presented on the official website of each insurance company. To find out how much is insurance for the car, you will need to specify: the type and power of the vehicle, the registration of the owner and the drivers who will be admitted to management. After the introduction of all the necessary information, the calculation will be formed automatically.

Application documents

The application must be accompanied by copies of the documents: the passport of the owner and the policyholder, the PTA and the driver's license. If the vehicle is older than three years, you will need to provide a diagnostic card.

The whole package of documents should be given to the representative of the insurance company. In this case, you must ask to register the documents and give the second copy of the application with a note of acceptance.

According to the law, after acceptance of the application the company is obliged to issue the contract within 30 days. Thus the insurer can ask to give the car for visual inspection (in the pure state). Be sure that after these actions you will be sold car insurance without life insurance and other additional services.

Quick purchase of OSAGO

Today, in order to acquire a MTPL policy, it is not necessary to go personally to the insurance company, because you can buy it online. This service is provided by the insurance leader - the company LLC Rosgosstrakh. To buy a policy, you need to go to the official site and visit the section "OSAGO".

First of all, car insurance is calculated. The cost depends on: the type of vehicle, propiska proprietor, capacity, age and length of service of drivers. Also, do not forget about the discount that each driver earns for accident-free driving. Under the current law, each driver receives a 5% discount for each year without accidents. The discount is cumulative, and when it reaches 50% it does not increase.

After the calculation it is necessary to fill in all the necessary information, specify dates and make payment. In this case, car insurance without life insurance is issued. If desired, this policy can also be purchased on the site for an additional fee.

OSAGO in the insurance company Rosgosstrakh

If there is no possibility to acquire a MTPL policy through the World Wide Web, you can contact any branch of the insurance company Rosgosstrakh and buy a policy. This is the only insurer that has a large branch network, so there will be no problems with the choice of the office.

The "Rosgosstrakh" insurance of the car is issued only if the following documents are available:

• Originals of passports of the insured and the owner;

• Documents for the vehicle: PTA or certificate of registration;

• Driver's license of all drivers (it is allowed to inscribe 5 drivers in the OSAGO policy);

• Diagnostic card if the machine is more than three years old.

Based on the documents, the representative of the insurance company will make a preliminary calculation and will announce the size of the insurance premium. Only after the consent of the policyholder will the policy of OSAGO be issued.

Supplementary insurance

When drawing up a compulsory MTPL policy, all insurance companies literally force to purchase a life insurance policy. If you think carefully, this is a very profitable type of insurance for a minimum fee. Thanks to this policy, you can expect decent compensation in the event of an insured event.

On average, 8-13 thousand rubles is the insurance of the car. The cost of additional health insurance is only 1-2 thousand rubles. It turns out that each driver buys an expensive policy and insures other participants in the accident, but does not care about his health. Therefore, it is worthwhile to think whether to purchase an additional insurance product to protect yourself from an accident.

Tricks of insurance companies

Many insurance companies, to arrange insurance with additional services, go to small tricks. One of them is the refusal of instant registration. Customers who do not want to overpay must provide the car for visual inspection and enroll in the queue for clearance.

This need is explained by the fact that there is a department of car insurance only with life insurance, in which everything is formalized in the order of the queue, and there is only a department of OSAGO insurance, which draws up exclusively on record.

Some companies immediately voice the client that the design will only be with additional services. If the client refuses, the representative of the insurance company calculates and announces that the discounts are not checked on a single PCA base, in connection with which it will not be possible to formalize the contract.

It turns out that the policy of OSAGO is not so simple. Car insurance is a necessity established at the legislative level, which forces many drivers to go through a complicated clearance process.

Proper insurance

It turns out, to issue a MTPL policy without additional services is possible, but difficult. To save money, you need to deal with insurance in advance, a month before the end of the insurance period.

To do this, send the application and the necessary package of documents to the insurance company and wait until you are invited for insurance and vehicle inspection.

Insurance of a car without life insurance will be formalized, and you will be able to travel on your vehicle to the insured.

If possible, it is better to take advantage of online insurance and buy an electronic compulsory insurance form. This saves not only time, but also money.