According to the current Russian legislation, driving a vehicle is allowed only if there is a compulsory car insurance policy. If the driver is stopped by the traffic police inspector, and he doesn’t have this document or if he is overdue, a monetary penalty will be applied as a punishment.
A huge number of companies are engaged in compulsory motor third-party liability insurance policy today, since insurance as a business is a very promising and highly profitable type of activity. In addition to the basic insurance, they offer many additional services for which motorists have to pay extra. One of those is life insurance. It significantly increases the cost of the product, which greatly affects the affordability of Russians, so many people are interested in the question of whether it is necessary to draw up related services or whether you can do without them. Let's try to understand this issue in more detail and find out where OSAGO without life insurance can be obtained without problems and what to do if the UK tries to force to purchase an additional package.
general information
Before we talk about where to do CTP without life insurance, let's first understand the basic concepts and definitions. This policy is a form of compulsory car insurance, which involves the payment of monetary compensation in the event of a vehicle getting into an accident, if it happened not through the fault of the car owner, as well as when the car was stolen.
This product is aimed at drivers who have extensive driving experience and feel confident behind the wheel of a car who are worried about the safety of their vehicle. MTPL is becoming more and more popular every year compared to other types of insurance, as car theft cases are constantly increasing.
Life insurance: mandatory or not?
Let's dwell on this in more detail. As practice shows, when contacting the UK and signing the contract, many drivers find additional services in it, one of which is life insurance. However, most companies assure that they are mandatory. But do such statements have legal grounds or are insurers simply trying to get money out of the pocket of legally unaware clients as much as possible?
In fact, you can issue CTP without life insurance. Moreover, such a service is not particularly beneficial for car owners, since payment of monetary compensation is only expected if the driver or passenger is fatal in the event of a traffic accident. In the event of injuries and injuries, no loss coverage will follow.
Why do insurers impose additional services on customers?
So what do you need to know about this? CTP insurance without life insurance is, of course, possible, but very difficult. Representatives of the UK will in any way possible force you to draw up related products. But why do they do it if the current legislation does not suggest anything like this?
The thing is that the insurance industry is a prime example of lies and deceit in the modern world, as well as an indicator of infringement of citizens' rights.Unfortunately, most companies working in this area intentionally force their customers to pay for what they actually do not need to earn extra money on this.
In addition, some completely refuse to issue OSAGO, and issue hull insurance, since it is much easier to attach additional options to this product. Such actions are a gross violation of human rights and freedoms, for which there may even be criminal liability. In order not to become a victim of scammers, you must be able to stand up for yourself and know how to take out CTP insurance without life insurance.
What to do in case of illegal actions of company employees?
This issue should be given special attention. Russian law clearly regulates and regulates the activities of the UK. They are obliged to serve each client, and the refusal to provide services is illegal. Moreover, they do not have the right to force to buy any additional services.
If the UK refuses to provide OSAGO insurance without life insurance, then in this case, an unscrupulous company must be prosecuted. In legal practice, many such cases are known, and law enforcement authorities have initiated a huge number of criminal cases against insurers, however, unfortunately, there are no fewer fraudsters in the market.
If when contacting the UK you were told that OSAGO with basic options cannot be obtained, then you need to take the following actions:
- Terminate the contract and request from the insurer a report on the services provided.
- Record a conversation with the manager on the recorder, so that there is evidence of illegal actions.
- File a lawsuit against the organization.
Consideration of such complaints usually takes two months. In this case, the insurer will be obliged to cover all financial costs that the plaintiff will incur during the proceedings. In addition, if you were told that OSAGO insurance without life insurance is impossible, then you can immediately contact the law enforcement authorities to institute criminal proceedings.
What can insurers refer to?
Let's talk about this in more detail. Most often, the design of related services is argued as follows:
- The need for technical inspection of the machine, which is not cheap.
- "Freedom of contract." In simple words - this provides the client with the opportunity to independently choose additional options, however, this is one form of imposition that violates the rights of the consumer.
- Government Decree "on CTP".
It is worth noting that if you are not given the opportunity to insure OSAGO without life insurance, then the insurer violates the "Law on the Protection of Consumer Rights". It clearly states that depriving customers of choice and imposing something is simply unacceptable.
How to insure a car without unnecessary options?
What should a driver know? If you need a net CTP insurance without life insurance, then you can easily get it. However, for this it is necessary to be legally savvy and have at least some idea of the basic laws. In this case, no one can deceive you and impose anything personal.
If you encounter the ignorance of the insurance company, then inform them of your rights, and also say that in case of violation you will go to court. Absolutely all ICs are afraid of license deprivation, therefore, as a rule, they quickly make concessions.
If you find the availability of additional services after signing the contract, then you must immediately terminate it, and then file a complaint with the antimonopoly service.
What to look for when choosing a company?
Each driver is interested in the question of where to issue compulsory motor third-party liability insurance without life insurance, the prices of which significantly increase the cost of the policy. And this is not surprising, because everyone wants to save.
To choose a reliable SC, you need to consider the following nuances:
- Company reputation. If she is trusted and also has a large client base, then it will be much easier to resolve any conflict situations.
- The size of the authorized capital. So that the insurer can consistently fulfill its obligations, it must have at its disposal sufficient funds for this.
- Availability of permits. The company must operate in the market officially, openly and in accordance with applicable law. This is evidenced by the corresponding license. If it is not, then it is highly likely that the insurer may simply suddenly cease to exist.
It will also be useful to get acquainted with the reviews of people who have already dealt with the organization you have chosen.
Which companies are best to contact?
Today, the Russian market has a huge number of insurers, so motorists do not lack offers. However, an excess of choice hurts more than it helps, since it is much easier to stumble on unscrupulous companies that cheat their customers. Therefore, it is best to draw out CTP insurance policies without life insurance in trusted insurance companies with representative offices throughout the country.
These include:
- Rosgosstrakh.
- VTB Insurance.
- Europlan.
- "Capital".
- "Renaissance Insurance."
- "Energogarant".
These insurers work within the framework of the law and do not commit gross violations, so they can be trusted.
Advantages of circulation in Rosgosstrakh
What are they? Obtaining OSAGO without life insurance is very easy to get at Rosgosstrakh. The company is one of the leaders in Russia in its field and offers customers quality service. Managers do not resort to the imposition of unnecessary options, providing all the additional services of the choice of customers. In addition, she has powerful financial support, therefore, all payments upon occurrence of insured events are made on time.
Among the main advantages of Rosgosstrakh are the following:
- relatively low cost of the policy;
- full compensation in the event of an accident;
- fixed tariff rates;
- availability.
Prices for company services are regulated by the state, so they cannot be changed under any circumstances. If you are looking for where to take out CTP insurance without life insurance, then Rosgosstrakh will be the best option for this.
How much will the purchase of the policy cost?
What is taken into account? The calculation of the cost of insurance services is based on the following criteria:
- Driving experience.
- Options included in the insurance contract.
- The estimated value of the vehicle.
It is worth noting that the size of monthly payments can range from one and a half to four percent. It is extremely difficult to name the exact figure, since the specific amount depends on the insurance services chosen by the client.
How to terminate the contract?
If you are still deceived and imposed additional services, then the best way out of the situation is to terminate the insurance policy and return the funds paid. To do this, you need to come to the insurer's office and submit the corresponding application in triplicate.
This procedure takes only a few minutes, but you need to have the following documents with you:
- passport;
- Title
- certificate of registration of the machine;
- driver's license;
- diagnostic card.
To be safe and avoid various problems, it is recommended to immediately record a conversation with an insurance company representative on a voice recorder or mobile phone. Although this measure is not entirely pleasant, it will protect both sides from further unreasonable claims or serve as confirmation of illegal actions.If you refuse to terminate the policy, you can always file a lawsuit and solve the problem in accordance with the law.