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Insurance of MTPL without additional insurance

The policy of OSAGO must be for all motorists without fail. But to acquire it, it turns out, is quite difficult. On a daily basis, users complain about insurers. The latter refuse to sell the policy, motivating it with the absence of forms, and offer to issue any other service. But the inspectors state that there are no problems with the documents, the unwillingness to conclude treaties is illegal. So, how and where can you apply for MTPL without additional insurance?

Situation

Since 2003, driving in Russia is prohibited without insurance of OSAGO. Penalty for breaking the rules is 800 rubles. For a long time there were no problems with auto insurance. At the call the agent was ready to come to any place in the city. But a year ago the situation changed. Companies began to refuse to issue CTP, referring to the lack of forms or large queues of waiting. Although the problems were even earlier. FAS, Rospotrebnadzor, SAR and other regional governments began to check the activities of organizations, but there is no result. The insurance of OSAGO without life insurance or other services is practically not made out. Drivers have to either pay a few thousand rubles for the policy, or write a statement on the refusal of the service and wait for another 30 days. Most choose the first option. In those insurance companies (UK), which draw up documents without additional services, queues for several dozen people a day. And you can buy a "clean" policy only in the office, and not through an agent. But experts say that there are other ways out of the situation.

Cost

Depending on the region and IC "clean" OSAGO will cost 4-6 thousand rubles. Plus additional services. At the same time, it must be remembered that for residents of rural areas and many small towns, higher ratios are used. Therefore, the cost of the policy can reach up to 10 thousand rubles. This situation suits far from all drivers. It turns out that driving without insurance OSAGO fraught with a fine. But the policy itself grew in price by 2-3 times. What to do in this case?

Extend policy in advance

Experts advise car owners to apply to insurance companies (UK) no later than 2-3 months before the expiration of the previous contract. According to Art. 445 Civil Code, the organization must complete the document within 30 days after receiving the application. The changes that came into force prohibit companies from refusing to provide services without real good reasons. If this happens, it is necessary to write an application to the main office of the company with a request to issue MTPL without additional insurance. If no response is received within 3-5 days, you can go to court. But this is an extreme measure.

Algorithm of actions

Choose an insurance company. View the website on the Internet, whether there are its representative offices in your city. The application will be accepted by mail, but for the policy it is necessary to go to the office.

Prepare a package of documents:

  • Data on the registration of the vehicle (TC).
  • Application in duplicate. The sample can be downloaded from the company's website.
  • Driver's license.
  • Diagnostic card. It can be issued at the SRT or immediately in the UK, but for a double fee.
  • A document certifying the identity of the insured, or a certificate of state registration of the legal entity (if the application is made in the office).

These papers with the inventory must be sent to the company by registered mail with the receipt of the receipt and wait another month for the answer. Usually the result comes earlier. The countdown starts from the day the receipt is received.

You can personally go to the UK and write an application for the registration of OSAGO without additional insurance. But this will take more time and nerves. In addition, it is necessary to check that the number, date and signature of the responsible person with the seal are put on the application.

In a letter that will come by mail, there will most likely be a refusal for some fictitious reason, as well as an offer to go to the office and find out all the nuances on the spot. Employees of the branch for "clean" OSAGO will advise to apply in a month. However, your application should already be recorded in the database. To confirm your words, grab the notification from the mail and the response of the IC from the main office. The further actions depend on how the events will develop. Probably, employees will ask to undergo checkup before writing out a policy. By law, they really have the right to do so. The client will be assigned the time and place of the meeting. It is very important that these actions are recorded on paper in the form of an official letter of invitation. Then you need to arrive at the appointed time and place. Most likely, the client will immediately be issued insurance of OSAGO without additional services. The tariff is calculated individually for each vehicle, but in general, 3-4 thousand rubles. You can meet.

Driver's advice

Those who do not want to spend months on paperwork, "friends in misfortune" offer a more extreme option. During the visit to the IC office, "include a fool". On the proposal to issue an additional 2-3 policies agree. Each contract is signed and signed separately. And you need to pay after the paperwork. Therefore, when a company employee transfers a payment order, sign only the papers for "avtograzhdanku." You can withhold life insurance. Since the document is issued, the payment order is confirmed and paid for, then the company employees are not entitled to refuse to issue MTPL without additional insurance. This will be a gross violation of the law. But just in case the entire process is worth recording on audio or video.

More details about calculations

Even if you managed to obtain the registration of MTPL without additional insurance, agents can increase the tariff at the expense of coefficients. All these figures can not be checked. But one of them still lends itself to calculation. This is an indicator of "bonus-malus" for accident-free driving. If the client constantly draws up a policy in the same UK and does not apply for compensation, then in theory he should receive a discount. In practice, not all companies use this factor or set it equal to "1". Correctness of calculation can be checked through the Internet. For this, the KASKOMET website needs to know the KBM class, and then calculate the bonus-malus ratio.

Transit Insurance

Situations in life are different. Very often, drivers purchase cars in other areas, and then transport them to their home city. But if you buy a vehicle, taken off the register, then the registration of formalities (passing the TO and obtaining the policy) remains 10 days. First, a short period. Secondly, a person may not want to change the SC. Of course, you can, at your own peril and risk, slowly get to your native city. But you need to be willing to pay a fine. Without insurance OSAGO it was dangerous to drive earlier also because from the car the numbers of state registration were taken. Their recovery was much more expensive than the design of the policy. Changes in the legislation that came into force from last year, abolished this penalty and increased the fine from 500 to 800 rubles.

Especially for such cases, temporary insurance of OSAGO without a vehicle inspection has been developed . It is valid for 20 days, and costs about 500-1000 rubles. This time is enough to get to your hometown and take care of the registration of normal documents.

Riding without insurance of OSAGO

According to statistics, in Russia, every fifth driver does not make out "avtograzhdanku" or forget to extend its validity. As a result, law-abiding citizens suffer. In the event of compensation problems, they have to wait several months. But lawyers suggest how to accelerate the process of receiving payment if the culprit of an accident without insurance of OSAGO.

First, you need to make sure that the absence of the policy is recorded in the certificate from the scene. It is also necessary to clarify the address of residence and residence of the culprit of the accident. You can get information from the traffic police, who issue certificates. Without these data, sending a judicial summons will be very difficult. It will also be necessary to receive a report of an independent examination. It is desirable, that at this process the culprit of road accident was present.

Then a pre-trial claim is drawn up, in which the route of execution is described, the circumstances of the accident, the total amount of the damage is indicated. In this figure, in addition to the assessment, you can include the costs of evacuation and storage of cars, the examination and moral damage.


As a rule, after drawing up the paper, the culprit agrees to compensate all costs completely and not to bring the case to court. Otherwise, he will also have to pay the state duty and the services of a lawyer. The insurance of OSAGO without life insurance will be cheaper than legal costs. So it's better to spend time on processing the policy, then to compensate for all costs due to an accident.

DSAGO as a way out

Voluntary insurance of motor third-party liability can really help a person who has an accident. But before acquiring a policy, it is worthwhile to soberly assess the probability of occurrence of a particular situation.

The real average payment for OSAGO is 15 thousand rubles. Serious accidents are rare. Experienced drivers should not miss this. Experts recommend buying only the newcomers. As additional services to the policy it is offered:

  • Payment of compensation, net of depreciation;
  • The services of the emergency commissioner (in practice he leaves the scene of an accident very rarely);
  • Free car evacuation if ordered through the UK;
  • Legal support (valid only in theory).

These additional services are in fact rarely required. The cost of the policy varies between 0.2 and 0.3% of the amount of coverage. It is calculated in the same way as OSAGO.

No client will like it when they impose services that are not of interest to him. But the UK has its own rating of popular products. And if any of them in the given region becomes unprofitable, then agents, abusing trust of clients, try to impose it. Although under the law this is prohibited, and a person has the right to refuse to design an extended insurance, if he does not need it.

How else can you buy a "clean" OSAGO?

In order not to listen to the fictitious excuses of agents about the lack of forms or data in the database, you can ask to write an official refusal to register the service. Of course, nobody will provide this paper. But the insurer may have a desire to get rid of you as soon as possible. Perhaps, then he will agree to issue insurance of MTPL without additional insurance.

It is also worthwhile to use audio and video recordings during a conversation with the company's employees. So you can collect evidence, which will then be used in court.

None of the presented options can guarantee 100% of the result. If the UK basically does not want to cooperate with you, you will have to contact the police, the SAR or the Antimonopoly Committee.

Claims

In the most extreme case, all issues will have to be resolved through the court. By the way, customers often win such cases. Art. 445 of the Civil Code provides that the UK is obliged to conclude an agreement with the client in the presence of a license and forms. And any deviations for fictitious reasons will be strictly punished (Article 15 of the Code of Administrative Offenses). In addition, the insurer may be forced to conclude a contract in court. It's another matter that not everyone will want to spend time and money on legal proceedings in court. Under the new legislation, a fine of 50,000 rubles may be imposed on the UK if the refusal to conclude a contract or the imposition of additional services are proved. The second is easier to implement than the first.

Recommendations

The problem is that "autocitizen" is necessary for drivers only for observance of legislative norms. But the insurance of OSAGO without additional insurance brings companies only losses. On this ground, conflicts arise.

To avoid litigation, calmly explain your position to the manager and make it clear that you are ready to go to the end. In this case, it is worthwhile to worry about collecting evidence. Perhaps you will get a sane agent or branch director who agrees to take out a "clean" MTPL without additional "dabbling" and transfer of meetings.

In the dry balance

To be engaged in search of the company on registration ОСАГО it is better for some months before the termination of action of the previous policy. To stay in queues and waiting for forms, inspection, etc., will take at least 3 months.

Do not get hung up on one company. Call more organizations and find out the current insurance conditions. If the agents claim that you need TO - agree. Spending money on state inspection does not make sense. Such a conclusion in the insurance will not accept.

In decent organizations, the reception is conducted by appointment. Therefore, before the day of "X" is worth calling the selected companies. Make sure that the price of the policy has not changed and make an appointment for a convenient time in 3-4 offices. Even if two of them "break", you can go through the inspection in the third.

First of all, you should contact the UK, where the previous contract was drawn up. There is a small chance that you will be relieved of being idle in line.

If you issue a compulsory motor TPL insurance without additional insurance became a matter of principle, then all meetings and conversations with employees of the company should be recorded on the phone or a dictaphone. In the future, these records will help in court. The employees of the company do not have the right to take the footage. And if they threaten to call the police, then you should get ahead of them and call 112. When the police arrive, the work of the branch will be stopped.

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