Any insurance company is a commercial organization whose main goal is to make a profit. For this reason, employees try to offer clients as many services as possible, including related and not always necessary ones. When taking out a compulsory motor liability insurance policy, related types of insurance are often offered: property, life, health. Not every driver knows that it is possible to insure a car without life insurance and agrees to the proposed conditions, which leads to additional costs.
Typically, insurance companies rely on the driver’s inattention and illiteracy, or on his lack of time, since a new policy is urgently needed. There is no need to rush and sign an agreement right away if the services offered are not needed.
Is it necessary to have life insurance when insuring a car?
Don’t think that you’re the only one who has had to deal with such an injustice as life insurance tied to the “automobile” insurance policy. Many car owners do not even realize that they are purchasing a car insurance policy with an additional service in the form of life insurance.
This situation is quite common, but there are cases when car owners do not accept applications for compulsory motor liability insurance due to the lack of forms, and they also come up with other illegal reasons. One can come up with many cases of refusal, but whether life insurance is mandatory under compulsory motor liability insurance in 2021 remains an open question. The most pressing issue is when purchasing the first policy.
In general, the cost of life insurance imposed on compulsory motor liability insurance is not very high. But the legislation on compulsory insurance of such actions on the part of the insurance company does not provide for and even punishes unscrupulous companies.
That is, the opinion that without purchasing a life insurance policy there is no compulsory motor liability insurance is a complete misconception. In 2021, driver liability insurance is allowed to stand alone from other types of coverage when you don't think you need it.
Property risks
Personal life insurance is 50% protected. It is necessary to protect not only yourself, but also your property. Main risks against which you can insure:
- fire;
- flood;
- natural disasters;
- man-made disasters;
- theft.
There are two subsections in property insurance:
- Your property has been damaged.
- Damage to third party property due to your fault.
Based on this, you need to choose an insurance policy. Insurance may cover individual elements of real estate, for example: utilities, supporting structures, repairs, furniture and household appliances. If you have available funds, then, of course, it is worth insuring life This will avoid unexpected expenses.
Amendments to car insurance legislation
Back in 2014, the “motor citizen” underwent a number of changes in provisions. These provisions do not say anything about the fact that life insurance and compulsory motor liability insurance must go in parallel and be purchased jointly.
When asked whether it is possible to insure without excluding additional services, unscrupulous organizations answer categorically, since they do not want to lose profit due to innovations. Innovations in legislation applicable to compulsory motor liability insurance consisted of changes in the amount of compensation and fines.
- OSAGO insurance additionally includes services to protect life and health, but the insurance company 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. Compensations for victims have also been increased to 500 thousand rubles;
- A car owner can insure a car under compulsory motor liability insurance in any chosen insurance company, but after a car accident, a claim in order to receive compensation should be submitted to your company, and not to the initiator of the accident.
Why are life insurance not compulsory?
Not many Russians know their rights, especially with regard to compulsory and voluntary insurance. Since in the case of a car, insurance is mandatory, which means you cannot escape from it by law. But in the case of voluntary protection of life and health, the policyholder has the right to think and refuse.
The law “On Compulsory Motor Liability Insurance” does not provide for any terms of the contract that infringe on consumer rights. The type of driver liability protection is provided in a single copy and covers only the risks associated with liability on highways.
Every Russian has the right to choose for himself whether to defend life or not. Since this option of protection is voluntary, its imposition makes the agreement unclaimed.
But many insurance companies prefer to add life protection to compulsory motor liability insurance, trying to earn as much as possible. When a driver is forced into insurance, we will consider what to do next.
Why do insurance companies sell life insurance?
Refusal to provide forms for the protection of motor third party liability OSAGO is unauthorized. But greedy insurance organizations, despite the laws, are trying to stay profitable.
The driver has the right to refuse life insurance when applying for compulsory motor liability insurance, but insurance companies are 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 “automobile citizenship”.
That is, the funds allocated for treatment that victims may need 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 insurance company to take action and impose more profitable insurance.
Which insurance companies issue compulsory motor liability insurance policies without life insurance?
If the insurance company department tells you that it is not enough to insure the driver’s liability, but you also need to pay the transport tax and purchase another additional service, then quickly leave the office.
The driver is only required to have civil liability insurance. Other services are not included in the list. SKs who insist on their own way are 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 force additional services on you. Because they have a fairly large financial turnover and they already make good profits from other projects.
It will not be a secret, these companies are:
- AlfaStrakhovanie;
- Tinkoff;
- SOGAZ;
- Agreement;
- MAX;
- RESO.
What is included and what is not included in the list of insured events
Insurance risks are divided into 4 groups: injury, disability, incapacity for work, and death. The cases covered by the insurance are injuries sustained as a result of accidents. These include poisoning by drugs of poor quality when expired food products were consumed.
Accidents occur when there is infection with tick-borne encephalitis and pathological pregnancy, childbirth followed by surgery to remove the pelvic organs. They also include dislocations, organ damage, and loss of limbs due to improper medical actions.
If the listed cases (over the course of a year), as well as the penetration of a foreign body into the respiratory tract, hypothermia of the body, lead to the death of the insured person. Insurance is paid only when NS are included in the first group. When the insured person dies, his family or relatives receive compensation.
Where to complain if additional services are imposed
Frequency and continuity are required for car insurance. If your current insurance expires, you must renew it as quickly as possible. Otherwise, traffic police officers will consider your forgetfulness as non-compliance with the law.
Some insurance organizations, knowing this, try to manipulate clients. Companies deliberately do not sell policies, forcing customers to agree to additional services. Since there should be no interruptions in insurance, many drivers fall for such manipulations.
We have already discussed earlier whether it is legal to force people to insure life under compulsory motor liability insurance, and the answer will be negative. But how to deal with this? You contacted the insurance company, but they refused to issue you insurance documents, then you are allowed to complain about it.
The complaint is sent to the company itself. For these purposes, you will need a written statement of claim that reflects the essence of the problem. Thanks to the new rules, the insurance company 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 RSA 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.
Analysis of accident and illness insurance programs
The Russian service market is represented by many specialized companies providing accident insurance. Ingosstrakh company offers its clients a simplified insurance scheme. It provides insurance under the Individual program. All documents can be sent to the company's email account.
The RESO-Garantiya company operates under the “Family Protection-Universal” program. One policy is calculated for each family member. Its validity is provided for a year throughout Russia.
The insurance company “Zetta Insurance” offers clients the “Express Assistance” program. The registration procedure is quick. There are no limits on the sum insured. The policy is valid worldwide.
How to return life insurance with compulsory motor liability insurance
Having realized immediately after communicating with an agent who does not have the right to sell life insurance that you have unknowingly overpaid for the policy, you need to act quickly. Any policyholder has the right to refuse life insurance under compulsory motor liability insurance, even with a signed agreement, which the driver only noticed at home.
But there are some nuances. In order to return the money in full, you must come to the head office of the company with a refusal application within five days. But the policyholder, who came to his senses much later, will not receive a full refund, since in fact the insurance began to take immediate effect.
Return procedure:
- We head to the insurance company's head office;
- We are writing an application with a request to exclude the life insurance policy from compulsory motor liability insurance;
- We enclose the necessary package of documents;
- We receive a duplicate of the application signed and stamped by the insurance agent;
- We are waiting for a refund.
Health risks
Russia has a compulsory health insurance system. However, citizens have the opportunity to take out an additional policy for maximum protection of their health. How feasible is such insurance? It is necessary to proceed from the specific situation. First, let's clarify a few points:
- the presence of chronic pathologies;
- frequency of occurrence of health problems;
- genetic predisposition to serious diseases.
Availability of voluntary health insurance does not always guarantee full coverage of treatment. If a doctor prescribes 10 procedures to completely restore the body, the insurance company can only pay for 5, citing a clause written in the fine print of the contract. Therefore, carefully study the documents so as not to become a hostage to unpleasant circumstances.
How to cancel life insurance in Rosgosstrakh
Let's use the example of the most famous insurance company to examine in detail what to do in the case of imposed life insurance under compulsory motor liability insurance in the RGS insurance company. A person planning to buy a car insurance policy does not at all assume that without receiving his consent, the tariff will include an additional service.
But in practice, car insurance and an additional life protection policy are not uncommon. If you discover that the cost has been exceeded when you arrive home, try to quickly return to the company office or return the next day.
Gather the following documents and make copies of them:
- The “automobile citizen” itself, namely the issued form;
- Application requesting 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 Investigative Committee office. Unscrupulous insurers do not make concessions and ignore statements from clients. But if you don’t receive a response even after submitting 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 Insurance Company. Organizations above the insurers consider claims only after receiving a refusal from the insurance company in a request for a peaceful settlement of the current issue.
Bottom line
As we have already emphasized above, special equipment is a type of transport that is more susceptible to any external influences than ordinary cars. For special equipment, risks such as theft or external influence are far from uncommon.
Therefore, registration of insurance for special equipment is one of the most important things that its owner must do. Since the repair of this category of transport can be very expensive, which can cause damage not only to the owner himself, but also to his entire business.
To summarize, it should be noted that this type of transport, such as special equipment, is subject to mandatory protection. You can issue an MTPL policy for special equipment not only at the office of a financial institution, but also via the Internet. To make it easier to calculate the cost of compulsory motor insurance for special equipment, you can use a special calculator on our website.
We also remind you that in order to avoid refusal to provide an insurance policy for special equipment or any other problems that could increase the duration of this process, you should contact.
Our specialists will advise you on all issues of interest and issue an insurance policy for special equipment, both for individuals and legal entities, regardless of the region, within one hour.
