Liability insurance “with the load”

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CTP with load, Rosgosstrakh fined, what to do if impose additional services CTP

Sverdlovsk "Rosgosstrakh" has paid 650 thousand rubles for the imposition of additional services when buying insurance policy.

The regulator found that "exemplary punishment" sanitized market: insurance companies have practically ceased to impose on its customers additional services.

- Long have we waited, " said the head of FAS in Sverdlovsk region Dmitry Slobodow.

At the end of 2013 to manage a barrage of complaints. The locals complained about the imposition of additional services: the insurance company has issued insurance without a contract of personal insurance, the cost of the "load" exceeded a quarter of the price of insurance policy. In April 2014, FAS established the fact of violation of applicable laws, in June, the court ordered the insurance company to pay 650 thousand rubles fine. "Rosgosstrakh" has tried to challenge the court ruling, but the appellate court did not support the arguments of the insurance company and left the decision without change.

This kind of punishment imposed on insurance companies across Russia, Murmansk, Nizhny Novgorod, Moscow, Arkhangelsk, Belgorod regions, in Bashkiria, etc. For a large number of disorders of the Central Bank deliberately limited the license of the insurance company. Antimonopolschiki noted that the "stick" worked.

- Since the beginning of summer complaints about the imposition of additional services stopped, - said Dmitry Slobodow. The motorists understand the mechanism of namazyvanija insurance companies: if impose additional services, once written appeal. I recently insured my car, they offered me additional services that insurance companies have the right, but without pressure.

What to do and where to go if you are trying to sell insurance policy "with load"

CTP with load, Rosgosstrakh fined, what to do if impose additional services CTP

The urgency of this topic, here is a step by step instruction to the driver, if the insurance company is trying to impose on him for registration of the compulsory insurance to conclude a contract of life insurance, health, etc.

The driver should know that the requirement to insure their lives and health for the registration of insurance is illegal. In 2014 introduced a penalty for insurance companies for such violation.

But the question arises, how to prove that the insurance company shall refuse to conclude the insurance contract, without issuing a life insurance contract? Or impose other kind of insurance? After the driver comes to the insurance company and asks the insurance policy. Impose additional services to him too. And the spoken word, as they say, to business you will not sew.

Therefore, the necessary written evidence. But when speaking with the insurance company have to show their legal literacy, to explain that the imposition of additional services and denial of insurance is a direct violation of the current legislation, and it is a penalty. Then it should be noted that if the contract of insurance will not be concluded now, that you refer the complaint to the Prosecutor's office and the Central Bank. It is the Central Bank of Russia monitors compliance by insurance companies with the legal requirements.

In 2014, a meeting was held in the Prosecutor General's office, which was attended by representatives of the Central Bank, FAS and Rospotrebnadzor. During the meeting it was agreed that in case the driver refuse to conclude the insurance contract, he should contact the Prosecutor's office and the Central Bank.

It is not excluded that at the stage of "alert" will be able to solve the problem, because insurance companies are not looking for trouble. If not, then it is necessary to transfer communication in paper format.

What should I do if denied in the contract CTP, arguing that there is no insurance policies? This happens often. In this case, you must write a letter with a request to conclude a contract CTP. One copy to leave the insurance company, the other representative of the insurance company should check that the application is received. In case of refusal to take a statement should be sent by registered letter with notification.

In a written statement the insurance company is obliged to answer. If the contract is denied, it must state the reasons. And the reason, according to the law, just does not happen.

So part of the story the law: under section 5.34.1 administrative code: "the Unjustified refusal of the insurer from entering into public contracts provided by Federal laws on specific types of compulsory insurance, or the imposition of the policyholder or intending to conclude a contract of compulsory insurance face additional services not required by the Federal law on specific types of compulsory insurance, shall entail the imposition of an administrative fine on officials in the amount of fifty thousand rubles".

Don't be fooled!

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