CTP policies should be available to all motorists fail.But to get it, it is quite difficult.On the forums every day there are complaints of users on insurers.Recent refuse to sell the policy, citing the lack of forms, to issue and offer any other service.But inspectors say that there are no problems with the documents there is reluctance to enter into contracts illegal.So, how and where you can arrange insurance without additional insurance?
situation
Since 2003, Russia banned driving without insurance coverage.The penalty for violation of the rules - 800 rubles.For a long time problems with the car insurance was not.On call agent he was ready to travel to any place in the city.But a year ago, the situation has changed.Companies began to refuse to issue insurance, citing the lack of forms or large queue.Although the problem has been previously.FAS, Rospotrebnadzor, RSA and other regional governments began an audit of the organization, but there is no result.Insurance insurance without life insurance or other services practically executed.Drivers will have to pay for the policy or a few thousand, or to write a statement renouncing the services and wait for a response for a further 30 days.Most choose the first option.In the insurance companies (IC) to draw up the documents without additional services, turn on a few dozen people a day.And buy "clean" policy is possible only in the office, rather than through an agent.But experts claim that there are other ways out of the situation.
cost
Depending on the region and the UK "pure" insurance will cost 4-6 thousand. Rub.Plus extras.It should be remembered that for rural areas, and many small towns used factor increase.Therefore, the cost of the policy may be up to 10 thousand. Rub.This situation suits far not all drivers.It turns out that driving without insurance insurance is fraught with a fine.But also the policy has grown in price by 2-3 times.What to do in such a case?
Extend policy in advance
Experts advise motorists to contact the insurance companies (IC) within 2-3 months prior to the expiration of the previous contract.According to Art.445 of the Civil Code, the organization is obliged to issue the document within 30 days after receiving the application.The amendments prohibit companies from refusing to provide services without real good reason.If this happens, you need to write a statement to the head office of the company with a request to issue insurance without additional insurance.If after 3-5 days the answer does not come, you can go to court.But this is an extreme measure.
algorithm action
choose an insurance company.View site on the Internet, whether it has a representative office in your city.The application will be by mail, but for the policy will have to go to the office.
Prepare documents:
- Data on vehicle registration (TC).
- statement in duplicate.The sample can be downloaded from the company's website.
- driver's license.
- Diagnostic Card.It can be arranged in the workshop or directly in the UK, but for a double fee.
- identity document of the insurer, or the certificate of state registration of legal entities (if the application is made in the office).
These papers with the list must be sent to the company by registered letter with acknowledgment of receipt and wait for a response for a month.Usually, the result comes first.Counting begins from the date of receipt of the notice of receipt of the parcel.
can personally go to the UK and to write an application for registration of insurance without additional insurance.But it will take more time and nerves.In addition, you need to check that in the statement put the number, date and signature of the responsible person with the seal.
The letter comes in the mail, it will likely be failure for any reason, fictional, and the proposal to call the office and find out all the details in place.The staff of the branch of "pure" insurance advised to contact a month.However, your application should already be recorded in the database.To confirm his words, grab a notice from the post office and the reply from the UK head office.What happens next depends on how events will unfold.Perhaps the staff will be asked to pass inspection before prescribing policy.By law, they do have that right.Customer will appoint the time and place of the meeting.It is important that these actions were recorded on paper in the form of an official letter of invitation.Next, you need to come at the appointed time and place.Most likely, the customer will be issued immediately MTPL insurance without additional services.The tariff is calculated individually for each vehicle, but generally 3-4 thousand. Rub.You can meet.
Tips drivers
Those who do not want to spend months on the paperwork, "friends in misfortune," suggests using a more extreme option.During a visit to the office of SC "play the fool".On the proposal to issue an additional 2-3 to accept the policy.Each contract is already signed and individually.But you need to pay after the paperwork.Therefore, when an employee of the company will give a payment order signed by the paper for "avtograzhdanki."From life insurance can refuse.Since the document is issued, the payment order is confirmed and paid for, then refuse to issue insurance without additional insurance company employees are not eligible.It would be a gross violation of the law.But just in case this whole process is recorded on audio or video.
Detailed calculations of
Even if you managed to get clearance insurance without additional insurance agents may increase the rate by a factor.All of these figures is not possible to verify.But one of them is still amenable to calculation.This indicator "bonus-malus" for trouble-free driving.If the customer constantly draws the policy in the same IC, and did not apply for compensation, in theory it should be accrued discount.In practice, not all companies use this factor or put it equal to "1".The correctness of the calculation can be checked via the Internet.To do this on the website "KASKOmetr" need to know the class of the MSC, and then calculate the ratio of "bonus-malus".
Transit insurance
Situations in life are different.Very often drivers acquire cars in other areas, and then transport them to his hometown.But if you bought the vehicle, deregistration, the formalities for registration (MOT pass and receive the policy) is 10 days.First, the short term.Second, people may not want to change the UK.You can, of course, at your own risk slowly get to their city.But it should be ready to pay a fine.Without insurance coverage was dangerous to go ahead even because cars were shot with state registration number.Their recovery was considerably more expensive than the design of the policy.Changes in the legislation, which came into force last year, abolished the death penalty and increased the penalty from 500 to 800 rubles.
specially developed for such cases temporary insurance insurance without inspection.She has 20 days, and costs around 500-1,000 rubles.That's enough time to get to his hometown and take the normal clearance documents.
Driving without insurance insurance
According to statistics, in Russia every fifth driver does not draw "avtograzhdanki" or forget to renew it.As a result, law-abiding citizens are suffering.If you have problems of compensation they have to wait a few months.But lawyers suggest how we can accelerate the process of receiving payments if responsible for an accident without insurance CTP.
First you need to make sure that no policy is recorded in the certificate from the scene.You should also specify the address of residence and residence culprit accident.Get information from the traffic police, who draw up certificates.Without this data, send the summons will be very difficult.You will also need to get a report of an independent review.It is desirable that when the process was present responsible for an accident.
then compiled pre-trial claim, in which the route signs, the circumstances of the accident, indicate the total amount of damage.In this figure, in addition to evaluation, you can include the cost of evacuation and storage of cars, the expertise and moral damage.
As a rule, after making the paper the perpetrator agrees to compensate all the costs in full and not to bring the case to court.Otherwise, he will have to also pay the legal costs and the services of a lawyer.Insurance insurance without life insurance is cheaper than legal fees.So it is better to spend time on the design of the policy than to compensate for all costs due to road accidents.
DSAGO as a way out of
voluntary motor liability insurance can really help out the man had an accident.But before you buy a policy, it is necessary to soberly assess the likelihood of any given situation.
actual average payout of insurance is 15 ths. Rub.Serious traffic accidents are rare.Experienced drivers that should be enough.Experts recommend purchase DSAGO only for beginners.As an additional service to the policy proposed:
- compensation, excluding wear and tear;
- Emergency Services Commissioner (in practice goes to the scene of an accident is extremely rare);
- free evacuation of the vehicle, if it is ordered by the UK;
- legal support (only in theory).
These additional services are actually rarely be claimed.The cost of the policy varies between 0.2-0.3% of the amount of coverage.It is calculated in the same way as insurance.
No single customer does not like it when he is not interested in imposing his services.But the UK has its own ranking of popular products.And if some of them in this region becomes unprofitable, the agents abusing the trust of customers, try to impose it.Although it is prohibited by legislation, and has the right to refuse registration of the expanded insurance if she did not need.
How else can you buy the "pure" insurance?
To listen invented excuses the absence of agents or forms data in the database, you can ask to write an official denial of registration services.This paper, of course, no one will give.However, the insurer may want to quickly get rid of you.Perhaps then he will agree to issue MTPL insurance without additional insurance.
also worth taking advantage of audio and video recordings during the conversation with employees.So it is possible to collect evidence which will then be used in court.
None of these options can not guarantee 100% result.If the UK is fundamentally does not want to cooperate with you, you have to go to the police, SAR, or the Anti-Monopoly Committee.
Claims
At the very least will have to address all issues through the courts.By the way, customers such cases often win.Art.445 of the Civil Code stipulates that the UK is obliged to conclude a contract with the customer under license and forms.And any deviation of invented reasons to be severely penalized (Art. 15 of the Administrative Code).In addition, the insurer may enforce in the courts to conclude the contract.Another thing is that spending time and money to be tried in court, not every man wants.Under the new legislative norms, the NC can be fined up to 50 thousand. Rub., If it is proved the refusal to conclude a contract or the imposition of additional services.Second easier to implement than the first.
recommendations
The problem is that "avtograzhdanki" drivers only need to comply with statutory regulations.But without additional insurance MTPL insurance companies bring only losses.On this basis, and there are conflicts.
To avoid litigation, the manager calmly explain its position and let them know that you are ready to go to the end.This advance should worry about collecting evidence.Did you find a sane agent or branch manager who will agree to issue "pure" insurance at no additional "dressing" and transfer meetings.
The bottom
looking for companies for better insurance registration for a few months before the end of the previous policy.On prosizhivanie in queues and waiting for forms, inspection and so on. N. It will take at least 3 months.
Do not focus on one company.Ring up more organizations and get the best coverage.If the agents claim that the need that - agree.Spending money on state inspection does not make sense.Such a conclusion would not accept the insurance.
organizations in decent reception is conducted by appointment.Therefore, before the day "X" is chosen to ring up the company.Make sure that the price of the policy has not changed and make an easy time in the office 3-4.Even if the two of them, "pluck", pass the inspection will be the third.
First of all, contact the SC, which was issued earlier treaty.There is a small chance that you get rid of idle queue.If
arrange insurance without additional insurance was a matter of principle, all the meetings and conversations with employees of the company is fixed on the phone or voice recorder.In the future, these records will help in the court.The take-footage employees have no right.And if you begin to threaten calling the police, you should get ahead of yourself and call 112. Upon arrival, the police work of the branch will be stopped.
