The fact that for drivers an insurance policy is simply necessary, today no one will dispute. But when selling a car or seriously breaking it, a recycling policy is no longer needed. In this case, CTP should be returned to the insurer. However, a number of questions immediately arise here, among which it is worth highlighting, first of all, the following: how to return insurance?
You will need
- - passport;
- - copy of TCP;
- - The original insurance CTP;
- - receipt for payment of CTP.
Instruction manual
1
Remember that you have every right to terminate a previously concluded contract for a number of good reasons. The first reason is selling your car. Second - your vehicle is not subject to further recovery. And finally, the third reason - the person who was the owner of the car or insurance was issued for him died. Reasons such as “did not like the service” are not accepted. In this case, you can terminate the contract, but you can’t count on a refund.
2
Suppose you sold your vehicle, and insurance will still be valid for more than six months. In this case, do not leave your money to insurers. In such a situation, you should go to the insurance company as soon as possible and resolve your issue, because the date of contact with it will be the moment when the insurance contract expires. Accordingly, the more you hesitate, the less the amount of money back.
3
At the insurance company, write a statement. You must have a passport with you, a copy of the TCP with a note about the new owner, the original insurance of compulsory motor liability insurance and, if you have preserved, a receipt for payment of compulsory motor liability insurance.
4
The second situation - the car turned into a pile of iron. In this case, the expiration date of the insurance contract will be the date of the accident. The set of documents here will be the same.
5
The third situation - the owner of the car died. There are no features here. The set of documents is still the same. And the date of termination of the contract will be the date of death of the owner of the vehicle.
6
As a result of applying to the insurance company, you will receive money quickly enough, according to the law, within fourteen days from the date of application.
7
Now regarding the amount to be refunded. This question is somewhat sensitive. The fact is that according to some regulatory documents, upon termination of the contract with the insurance company, twenty three percent is charged from the insured person. But such a tariff rate is not provided for by either the OSAGO insurance rules, or even less so by the Civil Code of the Russian Federation. Despite the fact that many companies still make such deductions, most people still go to court and return their money in full.
