It’s not a secret for anyone that, starting in 2013, issuing an insurance policy became a big problem. All insurance companies offer to obtain additional insurance products such as life, health or property insurance during the process of compulsory car insurance. But what if car insurance is needed without life and property insurance? In this case, you will receive a policy, you only need to wait a bit.
What to do if OSAGO is urgently needed
CTP - compulsory car insurance. This policy must be purchased by each vehicle owner. Of course, if the contract is urgently needed and there is no desire to argue with a representative of the insurance company, then you can agree to the terms of the company and buy all the additional services.
If you do not want to overpay, then you can use the following algorithm. These instructions will help you buy only the policy of compulsory insurance.
Buying a policy without additional services
The first step is to fill out an insurance application. The application form can be obtained at any office of the insurance company or downloaded from the World Wide Web. The application must reliably fill in all the fields.
After the application is completed, you need to find out the cost of your contract. To do this, you can use the online calculator, which is presented on the official website of each insurance company. To find out
how much car insurance costs, you will need to indicate: type and power of the vehicle, registration of the owner and drivers who will be allowed to drive. After entering all the necessary information, the calculation will be generated automatically.
Application Documents
Copies of documents must be attached to the application: passport of the owner and policyholder, TCP and driver's license. If the vehicle is older than three years, a diagnostic card will be required.
The entire package of documents should be given to the representative of the insurance company. In this case, you must ask to register the documents and give the second copy of the application with a mark of acceptance.
According to the law, after the adoption of the application, the company is obliged to draw up an agreement within 30 days. In this case, the insurer may ask to provide the car for visual inspection (in pure form). Be sure that after these steps you will be sold car insurance without life insurance and other additional services.
Quick CTP
Today, in order to purchase an insurance policy, it is not necessary to go to the insurance company personally, since you can buy it through the Internet. This service is provided by the leader of insurance - LLC Rosgosstrakh company. To buy a policy, you must go to the official website and visit the section "CTP".
First of all, car insurance is calculated. The cost depends on: type of vehicle, registration of the owner, power, age and length of service of drivers. Also, do not forget about the discount that every driver earns for a trouble-free ride. According to the current law, each driver receives a 5% discount for each year without accidents. The discount is cumulative, and upon reaching 50% does not increase.
After the calculation, it is necessary to fill out all the necessary information, indicate the terms and make a payment. In this case, car insurance is issued without life insurance. If desired, this policy can also be bought on the site for an additional fee.
CTP in the insurance company "Rosgosstrakh"
If it is not possible to purchase a CTP policy through the World Wide Web, you can contact any branch of the Rosgosstrakh insurance company and buy a policy. This is the only insurer that has a large branch network, so there will be no problems with choosing an office.
Rosgosstrakh insurance is issued for the car only if the following documents are available:
originals of passports of the insured and the owner;
documents for the vehicle: Title or certificate of registration;
driver's license of all drivers (it is allowed to enter 5 drivers in the insurance policy);
diagnostic card if the car is more than three years old.
Based on the documents, the representative of the insurance company will make a preliminary calculation and announce the size of the insurance premium. Only after the consent of the insured will the CTP policy be issued.
Additional insurance
When issuing a compulsory MTPL insurance policy, all insurance companies are literally forced to purchase a life insurance policy. If you think carefully, this is a very profitable type of insurance for a minimal fee. Thanks to this policy, you can count on decent compensation in the event of an insured event.
On average, 8-13 thousand rubles are car insurance. The cost of additional health insurance is only 1-2 thousand rubles. It turns out that each driver buys an expensive policy and insures other participants in an accident, but does not care about his health. Therefore, it is worthwhile to think carefully about whether to purchase an additional insurance product in order to protect yourself from an accident.
Tricks of insurance companies
Many insurance companies, to take out insurance with additional services, go for little tricks. One of them is the refusal of instant clearance. Customers who do not want to overpay should provide a car for visual inspection and sign up in the queue for registration.
This need can be explained by the fact that there is a car insurance department with life insurance only, in which everything is executed in the order of priority, and there is a CTP insurance only department, which draws up exclusively by appointment.
Some companies immediately voice to the client that registration will only be with additional services. If the client refuses, the representative of the insurance company settles and announces that the discounts are not checked on a single PCA basis, and therefore it will not be possible to draw up an agreement.
It turns out that the CTP policy is not so simple. Car insurance is a legal requirement that forces many drivers to go through a complicated registration process.
Proper insurance
It turns out that it is possible, but difficult, to issue an insurance policy without additional services. To save money, it is necessary to engage in insurance in advance, a month before the end of the insurance period.
To do this, send the application and the necessary package of documents to the insurance company and wait until you are invited to insurance and vehicle inspection.
Car insurance without life insurance will be issued, and you can move on your vehicle to the insured.
If possible, it is better to use online insurance and buy an electronic form of compulsory insurance. This significantly saves not only time, but also money.