How to buy car insurance without life insurance?

Recently complaints of Russians on the companies which sell policies of an autocitizen became frequent. Buy OSAGO without life insurance is almost impossible. In addition, that since October 2014 the Central Bank has changed the tariff, so insurers still refuse to sell a clean policy. How to be in this situation?

The essence of the problem

A total of 104 insurance companies operate in Russia, which have a license to sell OSAGO. Is life insurance required when registering this service? By law - no. Nevertheless, it is impossible to buy a policy "from the wheels". Most often, employees refer to the lack of forms. This argument is immediately rejected in the SAR: there are no problems with the documents of the insurers and can not be. In some companies do not draw up a clean policy without an appointment, the queue in which lasts for two or three months. As an exit from the situation, they offer to buy several insurance at once. At the same time, expenses are increased 2-2.5 times. This situation does not suit many Russians. Although some agree to overpay a few thousand to not stand in line to receive a blank.

Cause

Unwillingness about thousands to give OSAGO without life insurance appeared not on an equal footing. This decision was prompted by losses caused by the extension of the law on consumer protection to the insurance market. The number of appeals of dissatisfied customers to court has increased. Profitability of the companies has sharply decreased.

Financial results

According to the Russian Union of Motor Insurers, in 2014, 102 companies collected premiums for compulsory motor TPL insurance in the amount of 150 billion 292 thousand rubles, which is 11.2% more than in 2013. During the same period, payments amounted to 88.816 billion rubles. A considerable role in this was played by the increase in tariffs of the Central Bank. So, from 01.10.2014 the minimum cost of the OSAGO policy is 2440 rubles, and the maximum - 2574 rubles. At the same time, the amount of payments has also increased: for property damage - 400 thousand rubles, for causing damage to life and health - 500 thousand rubles.

Critical market situation

In the RSA believe that the growth of tariffs is crossed out by a difficult economic situation. Increasing the average payment will force companies to leave the market. Many are leaving high-loss regions because of the high risks. In their place come unscrupulous insurers. Avtovdaltsy still do not feel much difference, as they receive payments from the fund. But if the PCA disappears, then there will be disassembly on the roads.

Payment under the contract, concluded in one insurance period, can occur in another. In this case, companies form reserves. They are taken into account when determining the financial result, but not as profit. Conscientious market participants are forced to compensate for losses of bankrupt companies. In addition, some of the premiums are returned to the insured. Therefore, calculate the final result, as the difference between premium and payment, is incorrect.

Power on the client side

FAS joined the work. By early 2014, the organization received more than 700 complaints against 20 companies from 46 regions of the country that impose life insurance. MTPL is hardest to buy in Rosgosstrakh, the largest player on the market. In the Sverdlovsk region, a criminal case has already been brought against the company for abuse of position, which threatens with a fine in the range of 1-15% of the compulsory motor third party liability taxes. In 2012, this figure amounted to 1.6 billion rubles.

FAS also carries out explanatory work. Everyone who applied to the inspection is sent a memo, how to deal with arbitrariness. In particular, one of the ways is as follows: if the company refers to the absence of forms, it is necessary to send a registered letter (not later than a month before the end of the policy) with a notification in which to state the request to conclude a new contract. The insurer has no right to refuse.

Alternative options

In MRSK it is possible to buy a MTPL policy without life insurance, but on condition that the client has a copy of the owner's passport. According to the legislation, the following documents are required for processing the policy:

1. Application for the conclusion of a contract.

2. Passport (for physical persons) or a certificate of state registration of a legal entity.

3. Driving license.

4. Passport of the vehicle.

5. Diagnostic card, which confirms the passage of inspection.

In some companies, morning hours are reserved for customers from the street. In particular, in "RESO-Garantiya" you can buy OSAGO without life insurance, after standing under the office for more than one day. According to customers, one person is served per hour. According to statistics, this procedure takes 30 minutes. This time is enough to sign the papers and see the car. Under the law, the insurer has the right to do so. Another question is that, at the request of the client, the inspection should be conducted at the place of his residence. You can, of course, buy OSAGO without life insurance and without having a diagnostic card. But not everywhere. And it will cost 800-900 rubles more. The queue in the companies is painted for several months ahead. You can speed up the process in a similar way - by purchasing several policies at once.

Why do you need life insurance in general?

The product itself is very useful. He gives a certain guarantee that in the event of an accident, the insurance company will pay all costs for treatment and restoring health. That's only in Russia this service is purely voluntary. Compulsory life insurance under MTPL is not prescribed in the federal law of the same name. Therefore, numerous claims of car owners for unlawful actions of companies had a result. In addition to making a positive decision, the Supreme Arbitration Court imposed a fine on the offender in the amount of 50 thousand rubles. The most affected was Rosgostsra.

Sanctions of the Central Bank

At the end of May 2015, the regulator imposed restrictions on the license issued to Rosgosstrakh. Companies were banned from entering into new contracts for OSAGO or changing existing ones. In this case, the insurer must fulfill obligations under the documents signed earlier.

Despite the ban, employees are invited to come to the office to conclude the contract of compulsory motor third party liability insurance. Fizlitsa can apply for a policy directly on the site. The Central Bank explained the imposed ban on mass violations of the company's current legislation, in particular the refusal to charge customers a discount for breakeven, imposing additional services.

What is fraught with the lack of avtograzhdanki?

In the Federal Law "On OSAGO" it is said that the owner of the vehicle must insure his civil liability within 10 days from the moment of his purchase. For violation of this period, a fine of 8 thousand rubles is threatened. By the way, OSAGO with additional cheating costs cheaper. In addition, that without a policy you will reach only to the first traffic cop, so also the border of the country can not be crossed. In the event of an accident, all claims of traffic police officers (in particular, about the lack of a driver's policy) will have to be appealed through a court. But it is better not to risk and know in advance how to issue CTPs without life insurance.

Preparation

It is not necessary to start dealing with the issue of processing a policy for a day or two before the end of the contract, but for a couple of months. As practice shows, solving the problem "from the wheels" will cost several times more.

To begin with, you need to apply for the application in five or six companies at once - at different times. First of all, contact the insurer, who received the previous policy. There is a small chance to issue a new one without additional wraps.

Then you need to prepare the vehicle for viewing. Although, according to the legislation, the registration of OSAGO without life insurance is carried out with a diagnostic card that confirms the fact of passing the inspection, many companies do not accept it, requiring an individual inspection. They really have a right to it. Therefore, it is worthwhile at least to wash the car.

In the "X-day" appear at the appointed time. Even if three meetings fail, one will be one. There is a high probability that no one will look at the car at all, but immediately they will write out a clean policy.

This is the cheapest, but at the same time, a long version.

The second way is to use mail services

The application for registration of the policy can be written not only in the branch of the insurance company. It can also be sent by registered mail with a notice of delivery to the address of the main office. This way is advised to use in the FAS. After receiving a notification from the post office that the parcel was handed over, you can go to the office and sign a contract. Then the employees simply can not refer to the fact that the papers will be considered for a month, or that "you are not in the database".

How to buy car insurance without life insurance: an option for extremals

No matter how many policies a person simultaneously makes out, a payment order for each of them is issued separately. If you are not afraid of long clarification of relations with the company's security service (it is usually located in the central offices) or employees, you can take advantage of this option. First agree on an offer to buy OSAGO, along with any other type of insurance. Wait for the employee to issue both forms and write out the payment. And then sign only the receipt for payment of OSAGO, and on the account of the second policy you can say that you have changed your mind. For all threats to call the police agree. And even better - call the office yourself. Upon the arrival of law enforcement agencies, the work of the branch will be suspended until the circumstances of the case are clarified. It is desirable to immediately conduct a hidden video, so that when questions arise it could be proved right.

Conclusion

The desire of companies to get more profit is understandable, as well as the refusal of customers to pay for services that they will not use. To issue motor third party liability insurance without life insurance in Russia is realistic, but it will take a lot of time. Therefore, it is worth starting to prepare in advance: select 5-6 companies, put the car in order and receive a cherished policy in 2-3 months.