Recently, complaints Russians to companies that sell insurance policies avtograzhdanki.Buy insurance without life insurance is almost impossible.In addition, that in October 2014 the Central Bank has changed the tariff, so insurers still refuse to sell a clean policy.How to be in this situation?
The problem
Total in Russia has 104 insurance companies that are licensed to sell insurance.Do I have life insurance at registration for this service?According to the law - no.Nevertheless, to buy a policy "on wheels" is impossible.Most often, employees refer to the lack of forms.This argument in RAMI immediately reject: problems with documents the insurer, and there can not be.Some companies do not make out a pure policy without an appointment, which stretches all two or three months.As a way out of the situation, offering to buy some insurance immediately.The costs are increased 2-2.5 fold.Such a situation does not suit many Russians.While some agree to overpay thousands, not to stand in line to receive the form.
reason
Reluctance about tys.davat insurance without life insurance did not appear out of the blue.This decision prompted the damages arising from the extension of the law on consumer protection in the insurance market.Increased number of complaints of dissatisfied customers to court.The company's profitability has fallen sharply.
financial results
According to the Russian Union of Auto Insurers, in 2014, 102 companies collected premiums for insurance in the amount of 150 billion 292 thousand. Rubles, which is 11.2% more than in 2013.During the same period, payments amounted to 88, 816 billion rubles.A considerable role in this was played by the increase in rates of the Central Bank.So, from 01.10.2014, the minimum insurance policy cost is 2440 rubles, and the maximum - 2574 rubles.The amount of payments also increased: for property damage - 400 thousand. Rub., For damage to life and health - 500 thous. Rubles.
critical situation in the market
The PCA believe that the increase in tariffs crossed the difficult economic situation.The increase in average payment will cause companies to leave the market.Many leave with vysokoubytochnyh regions because of the high risks.In their place come the unscrupulous insurers.Avtovladltsy until you feel a big difference, because they receive payments from the fund.But if the X-ray diffraction disappears, then back on the road disassembly.
payment under a contract in one of the insurance period, may occur in another.In that case, the company maintains an allowance.They are accounted for in the performance, but not as profit.Bona fide market participants are forced to compensate for the losses of the company bankrupt.In addition, part of the premium back to the insurer.So expect financial result, as the difference between premiums and claims, is incorrect.
Authorities on the client side
FAS joined the work.By the beginning of 2014 the organization received more than 700 complaints against 20 companies from 46 regions of the country, which impose life insurance.CTP hardest to buy "Rosgosstrakh" - the largest player in the market.In the Sverdlovsk region against the company has opened a criminal case for abuse of position, which threatens a fine in the range of 1-15% of the fees for insurance.In 2012, this figure amounted to 1.6 billion rubles.
FAS also conducts outreach.All addressed to the inspectorate sent a memo on how to deal with arbitrariness.In particular, one method is the following: if the company refers to the absence of forms, you must send a registered letter (no later than one month before the end of the policy) with the notification in which to present the request to conclude a new agreement.The insurer may not refuse.
Alternative
IDGC can buy insurance policy without life insurance, provided that the client has a copy of the passport owner of the vehicle.Under the legislation, the policy required for registration of the following documents:
1. The application for the contract.
2. passport (for individuals) or certificate of state registration of legal entities.
3. Driving license.
4. TC passport.
5. Diagnostic Card, which confirms the passage of inspection.
In some companies, customers from the street set aside the morning work.In particular, the "RESO-Garantia" to buy insurance without life insurance, after standing for a cabinet more than one day.Feedback from customers of one service person per hour.According to statistics, this procedure takes 30 minutes.This time is enough to sign a paper and see the cars.By law, the insurer has the right to do.Another issue is that at the request of the customer survey must be conducted to his residence.You can certainly buy insurance without life insurance and do not present themselves with a diagnostic card.But not everywhere.And it will cost 800-900 rubles more.Queue in companies painted for several months in advance.To accelerate the process can be the same way - by purchasing multiple policies at once.
Why do I need life insurance
product itself very useful.He gives some assurance that in case of an accident all the costs of treatment and rehabilitation of health insurance company will pay.That's only in Russia this service is purely voluntary.Mandatory life insurance when insurance is not spelled out in the same federal law.Therefore, many car owners claims the unlawful actions of the companies had a result.In addition to making a positive decision, the Supreme Arbitration Court has imposed a fine on the infringer in the amount of 50 thousand. Rub.Most suffered "Rosgostsrah."
sanctions CB
At the end of May 2015 the regulator has imposed restrictions on the license issued by the "Rosgosstrakh".Company forbidden to enter into new contracts for insurance, or modify existing ones.The insurer must fulfill obligations under the previously signed documents.
Despite the ban, the staff offered to come to the office to sign the contract for insurance.Individuals can apply for a policy directly on the site.Central Bank explained the ban by massive violations of the current legislation, in particular the refusal to charge customers a discount for a break-even, the imposition of additional services.
What is fraught with lack of avtograzhdanki?
The Federal Law "On insurance" said the owner of the vehicle within 10 days from the date of purchase is required to insure their civil liability.For violation of this term faces a fine of $ 8 thousand. Rub.By the way, with additional insurance wrap is cheaper.Besides the fact that without the policy get there just before the first traffic cop, so also cross the border of the country will fail.In the event of an accident to appeal, all claims of traffic police officers (in particular at the lack of policy from the driver) have through the courts.But it is better not to take risks and learn in advance how to arrange insurance without life insurance.
Preparation
begin to address the issue of registration of the policy does not need a day or two before the end of the contract, and for a couple of months.As practice shows, the problem with "wheels" will cost several times more expensive.
First we need to make an application to the five or six companies at once - at the same time.First of all, refer to the insurer, which received the previous policy.There is a small chance of a new issue at no additional markups.
Then you have to prepare the vehicle for viewing.Although, under the law, registration of insurance without life insurance is carried out with the diagnostic card, which confirms the fact of inspection, many companies do not accept it, claiming individual examination.They do have a right.Therefore, pre worth at least wash cars.
In "Day X" to appear at the appointed time.Even if three meetings pluck, one who will, yes.Most likely no one even look at the car will not be immediately discharged and the net policy.
This is the cheapest, but at the same time, a long option.
second method - use the services of mail
application for registration of the policy can be written not only in the branch of the insurance company.It can send and registered mail with return receipt to the address of the main office.In this way are advised to use in fase.After receiving a notice from the post office that the package presented to, you can go to the office and draw up a contract.Then employees can not simply refer to the fact that the paper would be considered a month, or that "you do not have in the database."
How to buy insurance without life insurance: an option for extreme
matter how many people at a time policies not issued, the payment order for each of them separately issued.If you are not afraid of a long explanation of the relationship with the security service of the company (it is usually located in the central office) or employees, you can use this option.Please agree to the proposal to buy insurance together with any other kind of insurance.Wait until the officer will issue both forms and will issue a payment order.Then just sign a receipt for the payment of insurance, but at the expense of the second policy can be said that change your mind.All threats to call police agree.And even better - call to the police themselves.Upon arrival, the work of law enforcement bodies of the branch will be suspended pending clarification of the matter.It is advisable to immediately conduct covert videotaping to when questions could prove his innocence.
Conclusion
company's desire to make more profit is understandable, as well as the failure of customers to pay for services they do not use it.Contents insurance without life insurance in Russia is real, but it will take a lot of time.So you should start preparing in advance: select 5-6 companies to fix the car and after 2-3 months to get the coveted policy.
