Termination of the CTP Agreement early. How to terminate the CTP Agreement on its initiative and return the money? In the body of the document you need to specify

The early termination of the auto insurance contract on the initiative of the insured is allowed under the law in the presence of good reasons, most often when the OSAA loses its relevance (hijacking, car sale). In this case, the notification of the insurance office is considered to be notified in the form of a statement, supported by a package of originals and copies of some documents. In addition, when canceling the Agreement, in most cases, the car owner has the right to return funds for the unused part of the insurance period.

Grounds for early cancellation of the contract

OSAGO policy is a mandatory component of a package of documents of any driver. At the same time, there is no way when the auto owner on some reasons wishes early to stop cooperation with the insurer. Conducting such a procedure is not reborn, but requires a certain rules.

As the main reasons, the presence of which can justify the desire to break the agreement with the insurance company, are:

1. Changing the owner of the car. During the period of the insurance contract (12 months), sales can occur, the gift of the machine, resulting in its re-registration. The case is considered to be the grounds for early termination of the relationship with the insurer.
2. Car hijacking. When the vehicle is embezzled to cancel the insurance agreement, it will be necessary to present a statement and documents that prove the fact theft of the car.
3. Damage (constructive death) means of movement as a result of an accident or for other reasons, provided that transportation is not subject to recovery. In this case, the car is disposed of, and the CTP Agreement is terminated if there is an appropriate act.
4. Feedback or termination of a license issued by an insurance company for carrying out its activities.

Not so common, but still have a place to be, reasons for termination of the auto insurance contract, are:

• the death of the car owner, the insured car;
• the elimination of a legal entity who speakers the owner of the car, to which the policy of the OSAGO is issued;
• complete termination of the insurance company.

These grounds are fixed in the insurance rules, or rather in the position of Central Bank No. 431-p.

In practice, the situation is not separated when not one of the listed reasons is available, but the car owner still wants to discontinue interaction with the insurance in order to enter into an agreement with another company. This can occur as a result of a disrespectful attitude towards the client, poor quality of service, delays of compensation payments for insured events and for other reasons. According to the Civil Code (Article 958), such actions are quite natural.

At the same time, in such cases, it is quite difficult to arrange in such cases, because not all citizens are aware of the legal nuances of the process. Therefore, it will probably need to seek support to the lawyer.

Is it possible to apply for money unused by insurance

The insured, who wished to terminate the contract in early manner, has the right to pay the amount of money for the remaining time of its action. However, this is possible only if the agreement was canceled for valid reasons.

Such are:

1. death of the car owner;
2. changing the owner of the vehicle;
3. death and subsequent disposal of cars.

It is impossible to count on payment if the contract is terminated for reasons:

• the Customer Initiative, the purpose of which is to conclude an agreement with another company for unknown reasons;
• liquidation of the institution organization;
• identify the insurer of false information provided by the car owner at the time of the conclusion of the auto insurance contract.

These cases are considered exhaustive, but in fact controversial moments often arise. In such situations, a visit to the judiciary will be able to help.

If a citizen wishes not just to terminate the contract, but also to get the remainder of the insurance premium, it is necessary to act in accordance with the deadlines. Since the amount will depend on the rate of appeal to the office and the date of cancellation of the insurance agreement. This applies to cases when the foundations allow you to require cash payments.

The period of appeal depending on the cause may be:

• Changing the owner of the vehicle. In this case, the termination of the contract will be considered the date of application of the application. For example, if the car owner sold the car in September, but he turned to the insurance only in December, it would not be possible to return money for the missed months. Simply put, the earlier the citizen will write a statement, the greater the amount will be returned.
• The death of the insured or the death of the car. In this situation, the day of the term of the contract will be considered a day of termination of the contract in a wakeful order.

In the latter case, contact the insurance office can be at any time.

The procedure for termination of the agreement

The process of early cancellation of the contract with the insurance company is quite simple. The procedure is not different from other situations when it is required to carry out any official procedure.

The standard algorithm is:

1. prepare paper;
2. fill out a statement of termination of the insurance agreement and the requirement of transfer of the unused part of funds;
3. transfer the specified documents to the insurer.

What to reflect in the statement

The application for termination of the contract is filled in free form or by the sample proposed by the Office of the Office. The design of the document requires the inclusion of the following items:

• Application cap in the right corner at the top of the form. Here it is necessary to specify the name of the office, its address, F.I.o, a senior person. Applicant data should also be reflected - Full name, address information on the passport, contacts (phone number, email).
• Series and application number, date of compilation.
• Information about the auto insurance contract. Specify the contribution data, as well as designate the use period. It also prescribes the cause of termination and the date of the end of cooperation with the insurer.
• Request for the return of unused funds.
• Client account details. Most often, unused means are transferred to the car owner, respectively, it should be denoted by the name of the banking institution, the number of the map and account, the Inn, the BIC, correspondent.
• List of documents attached to the application.

The preparation of the paper is completed by specifying the date of handling in the lower right corner of the form. Here, the signature of the application submitter with its decoding is affixed.

In mandatory on the hands of the car owner, one of the copies of the statement should remain. On it, as well as on the original, there will be a mark on the adoption of the document by an insurance officer. The paper will perform a guarantee if necessary, for example, if the company will lose the original or delay the payment.

What documents will be required

The early termination of the CTP agreement requires the preparation of a standard packet of papers, which includes:

1. passport of the policyholder;
2. original OSAGO agreement;
3. payment documents proving the payment of the policy;
4. copies of documents confirming the fact that the reason allows to terminate the Treaty and transfer the amount of money to him: the sale agreement, the owner's death certificate, the recycling act, the conclusion of the expertise on the impossibility of restoring auto and other papers;
5. copy of the passport of the vehicle;
6. if the procedure is carried out using an intermediary, a package of its passport and notarial power should be supplemented.

Depending on the case, the list of papers may be subject to change. Before contacting the insurance company, it was recommended to communicate with its manager to clarify the list of necessary documents.

To whom and what time do money pays

Distribute the contract and the remaining amount of the insurance premium can be the following persons:

• car owner;
• successors of the deceased policyholder;
• the insured, if such simultaneously acts as the owner of the means of movement;
• the policyholder, if it has a notarial power of attorney from the owner of the car, which gives the possibility of receiving funds.

Within 5 days after making a decision regarding the termination of the auto insurance contract, a certificate should be transferred to the applicant with the applicant with information from the former insurance policy. But the funds unused by agreement are transferred to the Client's account within 14 days. In the absence of a payment it is worth visiting insurance and deal with the causes of the delay.

If managers, guidelines and other employees of the Organization do not come to contact, the car owner may feel free to contact the court.

The termination of the OSAGO agreement in early order is fully regulated by the auto insurance rules. If a citizen wants to stop cooperation with the insurer, it will be necessary to prepare a statement and documents proving the availability of adequate reasons for the cancellation procedure. At the same time, the car owner can count on the payment of an unused part of the insurance premium, but only if the grounds for termination are recognized as respectful.

The article on how the termination of the CTP agreement, the necessary procedures and documents occurs. At the end of the article - the video about how to return the money for the Osago.

Termination of OSAGO, Causes and Features

Given the legislative norms, the cause of termination of the OSAGO may become:

• death of owner T / C;
• loss of T / C (due to disposal, serious accident, hijacking);
• sale T / C;
• review license at SC;
• other reasons.

Death of ownership

In the event of the death of the owner of the car, the SK contract is canceled automatically from the date of death. The heir should only notify the company about what has happened and provide the appropriate package of documents. With me, you should have a certificate confirming personality, and paper confirming your right to inheritance. If heirs are somewhat, money for an unused period of time will be divided between all.

The payment itself will be made after the entry of relatives or persons specified in the will inheritance, that is, 6 months after the owner's death. Although the application in the SC should be submitted earlier.

Elimination of cars

If the car was disposed of for any reason (for example, as a result of the accident), or it was hijacked, then the Osago stops acting on the date of what happened. In this case, the insurance company should be presented by documents confirming the fact of eliminating the vehicle.

Sale of cars

If the car was sold, the termination rules change somewhat.
It is important to remember: the CTP Agreement will be considered invalid from the moment the application is submitted to the SC, and not since the conclusion of the contract of sale. That is, if you refer to the insurer with a statement two months after a perfect transaction, then you will not be returned for money for these two months.

To terminate insurance, the insurer should be submitted, complete with the main sets of documents, and a photocopy of the contract of sale. However, some companies also require a copy of the TCP with the name of the new owner in it. In fact, this requirement is illegally and the car owner is not obliged to present PTS. Although the desire to view it is justified - some too smart policyholders are trying to break relations with the company, presenting fictitious sales contracts. That is, the contract is drawn up, but the car is not sold.

Other reasons

The three reasons for termination of the insurance contract are considered respectful. The companies rarely resist the cessation of relationships in these cases and return the money for the unused time of the policy.

If the owner needs to interrupt insurance for some other reason (the conservation of the car for a long business trip, the winter period, the desire to change the SC, etc.), the insurer may refuse to cancel the contract. And even more so will not return the remaining money.

In this case, the motorist will have to file a lawsuit and the case, most likely, he will win. However, whether time spent time, strength and money on litigation? Most likely no. That is why the CTP treaties on the "disrespectful" reasons are terminated extremely rarely.

Sale of a car by proxy

In this case, there is no need to terminate the agreement, since the owner remains the same. It is enough to enter the name of the new co-owner in the policy.

Recalling a license from SK

As well as its liquidation, bankruptcy or illegal activities. Also is a valid reason for breaking relationships. In theory. In practice, it is hardly possible to return the funds for the unused insurance time in the bankrupt or leading illegal activity of the firm. Except for temporary deprivation of a license.

In any case, to apply for termination to such anc, as soon as possible. Sometimes it is possible to return at least some of the money.

Documents for cancellation of OSAGO

Required documents for early cancellation of the Agreement

1. Insurance policy OSAGO.
2. Document certifying the personality of the insured and the owner of the car (if these are different people).
3. When the procedure is carried out through a trustee, a document certifying the identity of a trusted person of the insured and a notarized attorney is required.
4. Receipt confirming the payment produced by the insureder.
5. Application with a request to cancel insurance.

In case of death of the owner:

• death certificate;
• documents confirming the right to inheritance.

• contract of sale;

• certificate of removal of T / C from accounting in the traffic police;
• a document confirming the fact of utilization of a car or its hijacking. In the event of an accident, after which the machine is unsuitable for operation, instead of reference of disposal, you can provide a copy of the conclusion of the expert technical commission, which is issued in the traffic police.

From each document should be made a copy. Of the originals, the insurer must remain only your statement and insurance policy. Perhaps receipt of payment. However, copies of these documents should be in your case, in case of a dispute with SC. Nevertheless, the other documents are replaced by copies if the insurer decides to study them more seriously.

Application and refund

It is important to remember: the insurance policy is considered annulled at the date of submission of the application, and not its consideration and approval.

Usually the insurer has no complaints and even money returns on the day of submission of the application. If the company practices cash payments. In the event that money is returned by bank transfer, the operation should be completed within 14 days.

How much money will be returned?

In case of early termination, the entire amount is returned for the unused period of time with a deduction of 23%. 20% go to the "production costs" - registration of documentation, office maintenance, salary to employees, etc. 3% go to the development of the Insurers Association. And 77% - to reimburse damage caused by insurers in the event of an accident. And in our case, 77% return the owner for the remaining period.

It is curious that the deduction of these 23% with early termination is nowhere specified anywhere. That is, if at the time of termination until the end of the action of the policy remained 5 months, during these 5 months the insured must return 100% of the money paid. However, the CC often assure customers in the fact that they have the full right to deduct costs. If the insured is a lawsuit in court, then, most likely, it will notice his 23%. But how many will want to spend time, strength and means for such "little things"? Apparently this insurers are betting.

Also, the company is obliged to return all the funds for the unused duration of the policy, if during its actions were payments for insurance. Some insurers subtract the amount of payments from the funds to return, however such actions do not have legal grounds. They are designed only to the fact that the insured will swallow the bait, not adhering to the essence of the procedure and its legitimacy.

It is important to remember: even in the case of existing payments on the CTP, for the unused time you must return the entire amount.

What to do if the IC does not meet

In addition, the SC can "forget" transfer money to the account of the client. Therefore, if within 14 calendar days the balance of the amount was not listed to your account, you should immediately go to the office of the company and find out the reason. There may be two of them: the payment was lost in the process (errors sometimes happen) or the insurer deliberately pulls the time.

If the SC opposes the termination and / or return of the balance in the event of termination of the contract for a valid reason, several things should be taken.

1. Contact the company's director with the appropriate complaint. If this does not work, contradict the complaint to the Association of Insurers and a lawsuit. This is usually enough. If the firm is still stubborn, you should move to more resolute measures.
2. Write or contact the Russian Union of Insurers (RSA) personally. The Association regulates the activities of insurance companies, monitors their operation and in the case of illegal or unethical activity takes appropriate measures. For example, when the Association orders the money to return you, the SC will return them if she values \u200b\u200bhis reputation and membership in the Association.
3. You can also file a lawsuit. But, as mentioned above, it is usually enough to scare the insurer's claim. It is unlikely that the losing lawsuit in the interests of the company is unlikely. Is it on the verge of bankruptcy.

To break the agreement has the right and insurance company, having fun reasons. Such reasons include suspicion of the client in fraud, the provision of false or incomplete data when concluding the contract and other violations stipulated by the legislation.

Video about how to return money for the CTP:

The presence of the insurance policy of the OSAGO is a mandatory requirement for all car owners.

The use of a vehicle without decorated insurance is prohibited - for this the driver relies fine.

However, in some cases the already executed policy becomes the insured unnecessaryAs a result, he can return money spent on him back.

What are these cases and what does the return procedure look like - the consideration of these issues will be interested in all car owners.

Early termination of the CTP agreement and refund for unnecessary policy

OSAGO rules for which the car insurance procedure occurs, adjust the probability of termination of the contract Previously set time.

The client can do it at any time, not even explaining the reasons that they prompted it.

However, in this case, all those paid for insurance money will not be returned And will remain in the insurance company.

To return a part of the amount paid for the policy that was not used by the Insured, it is necessary to provide documents to the company confirming the reasons for this.

Refundable grounds should be significant - the most common is fixed by law.

It is impossible to return money for insurance in cases if:

Also, it is also impossible to return the money in some cases of liquidation of the company - if it occurs due to bankruptcy.

In this situation the legal entity is recognized as insolvent, Therefore, he may simply do not have enough money to repay all obligations.

In what cases can you return some of the money for the CTP?

In the presence of good reasons, the insured can easily return money for the unused part of the policy.

The most common reasons for the return are:

When selling a car, it is not necessary to dissolve the contract and receive a part of the insurance premium back.

As an alternative option, you can sell the vehicle together with insurance - include the policy in the cost of the car.

In the insurance company in this case it will be necessary only re-inform the contract to the new owner And, if necessary, pay extra part of the money for the policy (if, for example, his driver's experience is less than that of the previous owner).

Choosing a way to return money completely lies on the policyholder.

Calculation of the amount to return

The amount that the policyholder can get back depends on two factors: insurance values \u200b\u200band number of monthsremaining until the end of its use.

The calculation of the amount is as follows:

B \u003d (PS - 23%) * (N / 12)Where:

• AT - the amount to return
• PS. - the full cost of the policy,
• n. - The number of months that remain until the end of the insurance.

As for the value of 23%, it consists of two elements:

• 3% of the cost of the policy are deducted in the RSA;
• 20% goes on payment of expenses for doing business (documentation, salary staff, etc.).

This part of the money is often taken away from the insured, but not everyone agrees with it.

Many clients go to court and are trying to prove that chaison is 23% is illegal.

Most court decisions on this case are positiveSince clear instructions in legislation regarding the obligation of such contributions is not written.

Who can get money when terminated by CTP

The recipient of the unused insurance value depends on what is the basis of the termination of the contract.

Return money can with the following persons:

In cases of appealing for the money of legal representatives, they must be the general power of attorney is decorated (on behalf of the owner or insurer).

The prerequisite for such a power is the presence of an indication of the possibility of conducting cash transactions.

Duration of money refund

In accordance with the Rules of Insurance of the CTP, returning money for the policy to the client should not be later than 14 days after submitting a statement.

In some cases, money is given immediately after circulation - in cash at the checkout.

In other companies, they can translate them to a bank account for the set time.

If the company disenstates and does not transfer money, even after repeated appeal, the policyholder can submit it to the court.

Of the necessary documents, it is worth prepare copies of the OSAGO policy, payment receipts and the application for a refund.

Required documents and procedures

To return the cost of the policy to the policyholder it is necessary to come to the insurance company with a package of confirmation documents.

They can be divided into two groups.

Universal

Available in any case, regardless of the reasons of return.

These include:

• copy of insurance policy;
• copies of the passport pages of the policyholder;
• receipt of payment policy.

Special

Confirmation of the wealth of the cause of termination of the contract.

It can be:

Required both copies and originals of these documents.

With the help of an employee of the company, the insured can write an application for termination of the contract (indicating the reason) and attach the necessary documents to it.

During the set time, money must be returned.

Is it always worth dissolving the CTP

The termination of the insurance contract and obtaining the remaining amount of money is not appropriate in all cases.

For insurers who will still continue to issue new insurance and use the car, it may be more profitable to wait until the end of the contract.

This is especially true when the action of the policy is about to end.

The benefit is that as a promotion for trouble-free driving, the driver is accrued to CBM(Bonus coefficient - Malus), thanks to which you can get a discount on the design of the next policy.

The discount will be enlarged only if the contract shall last year - with early termination, the KBM rate will not change in any way.

In conclusion, it is worth noting that:

• The right to early termination of the OSAGO Agreement have all drivers, regardless of grounds and reasons for this.
• You can get back part of the paid insurance only in legislative cases: when changing the owner of the vehicle, after his death or as a result of the death of the car.
• In case of early termination, the right to reduce the insured KBM is lost - its value remains the same.

Read more:

4 comments

With the introduction of the position of the OSAGO or autocittle trade there is a problem. Car, she has citizenship? The driver has citizenship here it is to be insured, as if giving an oath does not disturb the traffic rules. It is necessary to oblige all drivers to have an OSAGA policy, even if it does not have a car, but can use them at any time, for example, lend from a friend. I met this abroad. But in the insurance it is necessary to specify the auto data, but only the power of the engine that can operate the driver. As in water transport where the vessels are allowed to operate the vessel of a certain power. Thought is understandable? Just need to work it. Now about drivers who have several cars should be issued one insurance to the most powerful car. Why? Yes, so that one driver for all the cars available from him cannot sit at the same time. Can answer if you bought a few cars, it may also mean to buy insurance. But commemorate the purchase of a car This is one and the insurance is another matter. You can not have cool cars, but for the city there is a good small car, fishing Niva. We have many of the driver's license, but do not have cars, but fit into insurance. And so there will be additional contributions to the liquidation of the consequences. Avarian

When refunding for insurance in these cases, including the sale of the car in the calculation, the remaining period of insurance is taken into account. So the relevance of the termination of the Treaty is high only at the beginning of the term, losing the meaning with each month passed.

It comes to a complete absurdity, the husband does not have accounts in the bank, and the CC is not paid in cash and in the expense, for example, the wife cannot translate, even in my application with the indicated bank details of the wife, the genus is needed, for which 2000 rubles, the remainder OSAGO package 1700 rubles. Meaning?!

After termination of the contract with the insurance due to the sale of the car increased the CBM. They explained that the early termination of the contract is equal to an accident when the participant is wrong. When concluding a new treaty with the Nadezhda CAO, the maximum coefficient was assigned to a new car.

With the introduction of amendments to the CCAMAG law, the car owners were able to insure their responsibility in the format of the electronic policy.

Until January 1, 2017, insurance companies provided E-OSAGO registration services in a voluntary basis. After January 1, this service has become mandatory for them.

How to arrange e-osaago online

To fulfill the requirement of the law and insure autocarted responsibility, vehicle owners should not go to the nearest office of the insurance company and stand in line at the paper policy. Enough to go to the site of a suitable company and in the "Buy Osago online" section to issue and pay an agreement in electronic form.

The insurer's website from the car owner will need to register in the Personal Account. This will require a phone number and email.

Then, in the online form of an insurance statement, you need to specify a rather volumetric array of information about yourself, car and drivers. The company will refer information to the Databases of the RCA and calculate the price of the CTP.

After payment of the policy of the bank card on the company's website, a PDF file with a copy of E-Osago comes to email. From now on, your responsibility is insured and you can safely sit down the steering wheel.

How to terminate e-oshago

But what to do car owners who need to stop the policy before the term for different reasons and return the remaining part of the money?

For example, most often the need for termination of the policy of the Osago - paper or electronic, it occurs when the car is sold.

The procedure for the early termination of the CTP Agreement is described in the Rules of Mandatory Insurance, approved by the Regulation of the Central Bank. And unlike the procedure for the conclusion of the contract, it does not provide for the possibility of terminating the electronic policy of OSAGO via the Internet.

Distribute E-Osago 🚘 Thread Internet can not

In order to inform the insurance company about the termination of the CTP, the car owner must personally come to the office of the insurance company and compile a written statement. Moreover, it is recommended to clarify in advance - which offices are provided by the termination service. Not all branches and territorial offices of insurers are authorized to similar actions.

The form of the application for termination is not enshrined by law and is determined by each company separately. When visit to the office, employees will tell you how to make such a statement /

On the basis of the statement, the Insurance Company prepares an additional agreement on termination of the CTP agreement and return the remainder of the award.

How much will be returned by termination of E-Osago

According to clause 1.16 of the Rules, the Insurance OSAGO calculation of the amount of the refund of the unused part of the award is made from the date following the date of receipt of the company's written application.

Based on the date of termination, the insurance company calculates the return amount in proportion to the period that remains before the expiration date of the policy.

Example:

Nikolay Nikolaev bought in Rosgosstrakh Police OSAGO 01 May 2017 and paid the insurance premium 8 345 ₽.

The amount of refund for the non-sustained service life was 8,345 x (314 days / 365 days) \u003d 7178.99 ₽.

Obliges every owner and driver vehicle to conclude and purchase an insurance policy.

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Operation of the machine without insurance policy is a gross legislative impairment, and the offender can be attracted to administrative responsibility.

Of course, the availability of the insurance policy is mandatory for all drivers, but in practice there are cases when there is a need to terminate the prisoner of the insurance contract.

The current legislation states that the insured has the right to terminate the insurance contract ahead of its expiration. And when the policyholder can take advantage of this opportunity, and how can I do this?

Possible reasons

In practice, the termination of the insurance contract on the insured initiative can be carried out for several reasons.

For example, the policyholder may early terminate the insurance contract with the aim of concluding such an agreement with another insurance company.

In practice, the most frequent reasons for termination of the insurance tank at the request of the client are the following:

• vehicle sale - As a rule, the insurance contract is a fairly long period of time, during which various changes may occur. In particular, the car can be sold to another person. In this case, the former owner of the vehicle may early terminate the previously prisoner insurance contract;
• hijet vehicle - In this case, the owner of the vehicle may also terminate earlier. This is the basis provided for by the current legislation. But in this case, it is also necessary to prevent documents that prove the fact of the hijacking of the vehicle;
• complete vehicle damage - In practice, there are cases when for any reason the car was so damaged that it cannot be restored. In this case, the car is subject to disposal.

Accordingly, if there is an act of recycling, the owner of the vehicle may terminate the previously prisoner insurance contract.

These are the most common reasons for the termination of the insurance contract. But besides them, the insured can also refuse the contract if the insurance company was withdrawn by a license that was provided to implement relevant activities.

The contract can also be canceled due to the death of the vehicle owner or due to the closure of the company that belonged to the machine.

The legislation also provides an opportunity to terminate the insurance contract at the initiative of the insurance company.

In particular, the company may refuse to provide services, if it turned out that the insured gave false information or documents during the conclusion of the insurance contract.

How to write a statement

The application is the basis for the beginning of the relevant process. It can be submitted both directly to the insurance company and by sending a registered letter.

At the same time, it is necessary to know that the application must sign the owner of the vehicle or his authorized person.

In the latter case, you must also make a power of attorney of the representative, in which all its powers should be indicated.

If the owner of the vehicle died, then in this case the application may imply its heirs.

The following information must be specified in the application text:

• the insurer data to which the statement is imposed;
• applicant data (name, address, passport data);
• insurance Policy number;
• the reason for the refusal of the contract;
• request for refund;
• convenient return method.

The application also needs to specify a list of documents that are attached to the application.

With its presentation, it is also necessary to remember that the applicant not always can count on the refund of the insurance premium.

For example, if the rejection of the agreement is due to the fact that the applicant intends to conclude a similar agreement with another company, then in this case the insurance premium is not refundable.

If the reason for the failure is respectful, then in this case the part of the unused amount is subject to return.

The application must specify a convenient way to obtain funds. In particular, the applicant may receive the amount both in cash and by bank transfer.

In the latter case, you must specify the number of the bank account to which the cash must be listed.

If the applicant decided to send an application by mail, then it must be sent by registered letter with the receipt notice.

Below is an approximate form of application:

Required documents

As mentioned above, during the presentation of an application for refusal to the contract and the return of funds, it is also necessary to provide a specific package of documents, which should be specified in the application.

The required papers include the following:

• applicant passport;
• the contract that was concluded between the insured and the company;
• receipt, which testifies to the payment of the sum of the insurance premium;
• other documents, the list of which depends on the cause of failure.

Depending on the situation, a certain list of documents may be required. For example, if the rejection of the agreement is due to the fact that the vehicle was sold, then it is necessary to present the contract of its sale.

If the car was hijacked, then it is necessary to attach to the statement to the decision of the authorized state body on the initiation of a criminal case.

If the car has become unsuitable for further operation, it is necessary to attach to the statement of an act, indicating that the car was disposed of, as well as the expert's conclusion that the car could not be renovated.

If the cause of the refusal is the death of the owner, then it is necessary to present a copy of death certificates, as well as documents confirming that the applicant is the heir of the insured.

If the policyholder was the company, then it is also necessary to provide constituent documents. And if his representative acts on behalf of the insured, then you need to have an appropriate power of attorney and the passport of the representative.

The procedure for early termination of the CTP agreement on the Insured Initiative

If the insurance contract is refusing to adhere to a certain order.

In particular, for this you need:

1. Collect the entire package of necessary papers.
2. Put the application.
3. Wait for an insurance company's response.

If the reason for failure is respectful, the applicant can count on the refund of the unused insurance remuneration. The amount that is subject to return depends on the time of presentation.

For example, if the applicant refused the contract on the 5th month of his action, then insurance is obliged to return money for 7 months (unless, of course, the contract was concluded for one year).

The current legal regulation states that the insurer must return the money to the applicant within 14 days from the date of receipt of the application. It is important to know about when the application was received.

This does not arise about problems when it was submitted directly in the Company's branch. If it was sent by mail, it is necessary to wait for a notification of its receipt.

It is also necessary to know that the insurance issues the appropriate certificate, which indicates information on the insurance contract (including the policy number).

This document can be needed, for example, when purchasing a new vehicle and when concluding a new insurance contract. Help must be awarded to the insured within 5 business days from the moment of its appeal.

Upon receipt of the application, the insurance company should either return funds, or provide a reasonable written refusal.

In practice, insurance companies very often refuse the applicant due to the subcompact package of documents.

In this case, the applicant may collect missing documents and again present the appropriate statement.

If after the expiration of the period specified by the legislation, the insurance company did not respond or refused to satisfy the application, the client can appeal against its actions in court.

To do this, it is necessary to present a claim in court. But with its preparation, it is necessary to take into account all the mandatory requirements of procedural legislation.

A refund

As mentioned above, the policyholder can receive cash when the reason for failure is respectful.

If the insurer refused the contract to conclude a contract with another insurer, then in this case the amount cannot be returned.

It is also necessary to remember that only the unused part of the insurance premium is returned. Accordingly, it is desirable to present a statement as early as possible after the occurrence of grounds for refusal.

For example, if the car was sold, then it is necessary to submit a statement immediately after the conclusion of the contract of sale.

The applicant can receive cash both in cash and by bank transfer. The most convenient way to obtain funds must be specified in the application.

Basically, all insurance companies prefer to transfer funds to the applicant's bank account, since in obtaining cash they are issued through the company's cash desk.

What problems may arise

In practice, problems associated with the return of funds arise very often. Basically, this is the basis for presenting a claim to court.

Many insurance companies are trying to refuse to return funds. If, according to the applicant, the insurer's action is illegal, then it may impose a claim to court.

The statement of claim is a procedural document, which must be compiled in accordance with the requirements of the current legislation.