How to buy OSAGO without life insurance?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Recently, complaints from Russians about companies that sell autocitizen policies have become more frequent. It is almost impossible to buy OSAGO without life insurance. In addition to the fact that since October 2014 the Central Bank has changed the tariff, insurers still refuse to sell a clean policy. How to deal with this situation?

The core of the problem

In total, there are 104 insurance companies in Russia that have a license to sell OSAGO. Is life insurance required for this service? By law, no. Nevertheless, it is impossible to buy a policy "from the wheels". Most often, employees refer to the lack of forms. This argument is immediately rejected by the PCA: insurers have no problems with documents and cannot be. Some companies do not issue a clean policy without an appointment, the queue in which lasts two or three months. As a way out of the situation, they offer to buy several insurances at once. At the same time, expenses increase by 2-2.5 times. This situation does not suit many Russians. Although some agree to overpay a few thousand in order to not stand in line forreceiving the form.

Reason

Reluctance about thousand to give OSAGO without life insurance did not appear out of the blue. This decision was prompted by the losses that arose due to the extension of the law on consumer protection to the insurance market. The number of appeals of dissatisfied customers to the court has increased. Companies' profitability has plummeted.

Financial results

According to the Russian Union of Auto Insurers, in 2014, 102 companies collected premiums on OSAGO 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. An increase in the tariffs of the Central Bank played a significant role in this. So, from 2014-01-10, the minimum cost of an OSAGO policy is 2,440 rubles, and the maximum is 2,574 rubles. At the same time, the amount of payments also increased: for property damage - 400 thousand rubles, for damage to life and he alth - 500 thousand rubles.

Critical market situation

The PCA believes that the increase in tariffs will be crossed out by the difficult economic situation. An increase in the average payout will force companies to leave the market. Many people leave high-loss regions because of the high risks. In their place come unscrupulous insurers. Car owners do not yet feel a big difference, as they receive payments from the fund. But if the PCA disappears, then the showdown on the roads will return.

Payment under a contract concluded in one insurance period may occur in another. For this casecompanies form reserves. They are taken into account when determining the financial result, but not as profit. Conscientious market participants are forced to compensate for the losses of bankrupt companies. In addition, part of the premiums is returned to the insured. Therefore, it is incorrect to calculate the financial result as the difference between the premium and the payment.

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 that impose life insurance. OSAGO is the hardest to buy in Rosgosstrakh, the largest player on the market. In the Sverdlovsk region, a criminal case has already been opened against the company for abuse of the provision, which threatens with a fine in the range of 1-15% of the OSAGO fees. In 2012, this figure was 1.6 billion rubles.

FAS also conducts explanatory work. All who apply to the inspection are sent a memo on how to deal with arbitrariness. In particular, one of the ways is as follows: if the company refers to the lack of forms, it is necessary to send a registered letter (no later than one month before the expiration of the policy) with a notification in which to set out a request to conclude a new contract. The insurer has no right to refuse.

Alternative options

In IDGC you can buy a CMTPL policy without life insurance, but on condition that the client has a copy of the vehicle owner's passport. According to the law, the following documents are required to issue a policy:

1. Application for the conclusion of the contract.

2. Passport (for individuals)or certificate of state registration of a legal entity.

3. Driving license.

4. Vehicle passport.

5. A diagnostic card that confirms the passing of the technical inspection.

Some companies set aside morning hours for off-street customers. In particular, in "RESO-Garantia" you can buy OSAGO without life insurance, having previously stood under the office for more than one day. According to customer reviews, one person is served per hour. According to statistics, this procedure takes 30 minutes. This time is enough to sign the papers and see the car. By law, the insurer has the right to do so. Another issue is that, at the request of the client, the inspection should be carried out at the place of his residence. You can, of course, buy OSAGO without life insurance and without having a diagnostic card with you. But not everywhere. And it will cost 800-900 rubles more. The queue in the companies is scheduled for several months in advance. You can speed up the process in a similar way - by purchasing several policies at once.

Why do you need life insurance at all

The product itself is very useful. It gives a certain guarantee that in the event of an accident, all expenses for treatment and restoration of he alth will be paid by the insurance company. But in Russia this service is purely voluntary. Compulsory life insurance under OSAGO is not spelled out in the federal law of the same name. Therefore, the numerous lawsuits of car owners on the misconduct of companies have had a result. In addition to making a positive decision, the Supremethe arbitration court imposed a fine on the violator in the amount of 50 thousand rubles. Rosgostsrakh suffered the most.

Central Bank sanctions

At the end of May 2015, the regulator imposed restrictions on the license issued to Rosgosstrakh. Companies were prohibited from entering into new OSAGO contracts or changing existing ones. At the same time, the insurer must fulfill obligations under previously signed documents.

Despite the ban, employees offer to come to the office to conclude an OSAGO agreement. Individuals can apply for a policy directly on the site. The Central Bank explained the ban by massive violations of the current legislation by the company, in particular, the refusal to charge customers a break-even discount, the imposition of additional services.

What is the risk of not having an autocitizen?

The Federal Law "On OSAGO" says that the owner of the vehicle is obliged to insure his civil liability within 10 days from the date of purchase. For violation of this period, a fine of 8 thousand rubles is threatened. By the way, OSAGO with additional markups is cheaper. In addition to the fact that without a policy you will only get to the first traffic cop, you will also not be able to cross the border of the country. In the event of an accident, all claims of the traffic police officers (in particular, regarding the driver’s lack of a policy) will have to be appealed through the courts. But it’s better not to take risks and find out in advance how to get OSAGO without life insurance.

Preparation

It is not necessary to start dealing with the issue of issuing a policya day or two before the end of the contract, and a couple of months. As practice shows, solving the problem “from the wheels” will cost several times more.

First, you need to sign up to apply to five or six companies at once - at different times. First of all, contact the insurer from whom you received the previous policy. There is a small chance to issue a new one without additional markups.

Then you need to prepare the vehicle for viewing. Although, according to the law, registration of OSAGO without life insurance is carried out with a diagnostic card, which confirms the fact of passing a technical inspection, many companies do not accept it, requiring an individual examination. They really have a right to it. Therefore, you should first wash the car at least.

On the "X-day" to appear at the appointed time. Even if three meetings fail, there will be someone at one. It is highly likely that no one will look at the car at all, but they will immediately write out a clean policy.

This is the cheapest but also the longest option.

Method two - use the mail service

An application for a policy can be written not only at a branch of an insurance company. It can also be sent by registered mail with acknowledgment of receipt to the address of the main office. In this way, it is advised to use the FAS. Having received a notification from the mail that the parcel has been delivered, you can go to the office and draw up a contract. Then the employees simply will not be able to refer to the fact that the papers will be considered for a month, or that “you are not in the database.”

How to buy OSAGO without life insurance: an option for extreme lovers

No matter how many policies a person draws up at the same time, a payment order for each of them is issued separately. If you are not afraid of a long showdown with the company's security service (it is usually located in central offices) or employees, you can use this option. First, agree to the offer to buy OSAGO along with any other type of insurance. Wait until the employee completes both forms and writes out the payment. And then sign only a receipt for payment of OSAGO, and on the account of the second policy, you can say that you have changed your mind. Agree to all threats to call the police. Better yet, call the office yourself. Upon the arrival of law enforcement agencies, the work of the branch will be suspended until the circumstances of the case are clarified. It is advisable to immediately conduct covert video filming, so that if questions arise, you can prove your case.

Conclusion

The desire of companies to make more profit is understandable, as is the refusal of customers to pay for services they will not use. It is realistic to issue OSAGO without life insurance in Russia, but it will take a lot of time. Therefore, it is worth starting preparations in advance: select 5-6 companies, put the car in order and receive the coveted policy in 2-3 months.