Most companies use the opportunity to have an opportunity for their own gain, as a result of which additional services for the acquisition of the OSAGO policy go like "mandatory". And the cost of the car owner, with this, it turns out much more. Inventiveness of insurance companies does not know the limit, which causes outrage from most car enthusiasts. But how to get the policy of Osago, refusing, at the same time, from additional services? About this further in the article.

Additional OSAGO, Life Insurance and Other Extra Services when making an OSAGO policy

In our time, it is safe to say that most of the reliable and proven insurance companies refuses citizens in the design of the OSAGO insurance policy, if they do not want to enter into an additional agreement of health and life insurance. This situation has been occurring for several years and is observed in rather large insurance firms, although the car owners clearly understand that this coercion is unlawful. This contradicts not only the most important principles of legislation, but also the Constitution. However, most customers do not even think to apply for law enforcement agencies to protect their legal rights. Why does this happen?

Everything is much easier than it seems - the car owner ended in insurance, and he is constantly driving, but now it is impossible to use the car. In this case, there are two solutions to the problem - to overpay for "imposed services" insurance company and save, thereby strength, time and nerves. Either the second option is to leave the car, long time to move on public transport, but to defend its principles and rights, refusing additional services. This situation is only on hand to insurers who clearly understand that few people agree to the second option - people easier to overpay, but quickly solve the problem.

OSAGO insurance, is it possible to buy a policy of OSAGO on legitimate grounds without additional agreements

The requirements of insurance firms conclude additional services together with OSAGO, are completely illegal, since this type of insurance is required, which is regulated by the relevant law. The procedure for its design does not provide for the payment of extra commissions and the conclusion of additional agreements, so the insurance agency has no right to refuse the arrangement of the CTP, if you think that you do not need additional insurance. Of course, provided that you have everything in order with the documentation.

What does the law on the policy of Osago

According to paragraph second of article 16 of the Law on "Protection of Consumer Rights", these actions by insurance firms are called the usual imposed service and are illegal. Employees of these firms are forbidden to determine the acquisition of one services (works, goods) with the obligatory acquisition of other services (works, goods). And all losses caused to the consumer as a result of the violation of his rights to the free choice of services (goods, works) are reimbursed by the seller in full.

The insurers explain their arrogance by the fact that the OSAGO is unprofitable for the entire insurance company and its employees, since it costs much cheaper. OSAGO does not bring the required income, so it was decided to apply additional services, but the non-benefit of the OSAGO policy was not confirmed.

OSAGO, Methods for obtaining OSAGA policy without life insurance and other additional services

When receiving a refusal to design an insurance policy without additional services, the consumer remains two options:

• Appeal to another insurance company. Not all companies promote compulsory life insurance and other additional services. Therefore, if possible, change the insurer. It is best to contact a novice insurance company, since such firms rarely put additional requirements to the consumer.
• Fighting unlawful actions:
  
  1. Record on the voice recorder said by an employee of an insurance company or take a witness with me.
  2. To accurately find out the name and position of an insurance company employee.
  3. Fix the moment that this insurance is imposed on you.
  4. After registration of the policy and payment, write a small complaint (preferably at once in several instances - Rospotrebnadzor, Russian Union of motorways, the prosecutor's office).
  5. To the complaint, be sure to attach the audio recording and the testimony of the witness, if there is such an opportunity. Specify the numbers of the policies purchased in the insurance company.
  6. After sending a complaint, the state authority for thirty days is obliged to respond to the letter you have written. According to the results of the inspection, the insurance company will be imposed.

New in Osago 2017

1. Since first of January 2017, all insurance firms must introduce an electronic policy of OSAGO. If the design of the electronic CTP will be impossible as a result of technical problems or problems with the site, insurance companies will oblige immediately inform about the problem of the Central Bank of the Russian Federation. The Central Bank of the Russian Federation also established a fine, whose size is 300,000 rubles, for those firms that will not provide consumers with the opportunity to issue OSAGO online.
2. From January 1, 2017, the OSAO will rise in price. It is worth noting that the cost of the OSAGO for malicious violators will immediately increase three times.

Documents for OSAGO

To arrange the policy of CTP, you need to provide an insurance company the following documents:

1. Passed car inspection, which has not yet lost its action. The inspection of the diagnostic card is issued.
2. Certificate of registration of the car or its technical passport, which, in fact, is the same thing.
3. Passport of a citizen of the Russian Federation.
4. Driver's license.