Any insurance contract can be terminated early and part of the money paid for the insurance can be returned. To do this, you will need to contact the policyholder with a package of documents corresponding to the concluded agreement.
It is necessary
- - application;
- - passport;
- - a package of documents for the return of insurance.
Instructions
Step 1
If you have insured your vehicle by issuing a CTP or CASCO policy, you can terminate the contract ahead of schedule. The grounds for returning the money paid for insurance can be: - sale of a vehicle; - an accident after which there is nothing to recover; - disposal; - death of the policyholder.
Step 2
To get you back a part of the funds paid, present: - an application; - a passport; - an insurance contract; - a certificate from the traffic police (if the vehicle has been scrapped or the vehicle cannot be restored; - Title and photocopy (with notes on the new owner); - receipt of payment for insurance and a photocopy; - notarized power of attorney (if a trusted person applies); - documents of relationship (if a relative applies after the owner's death); - death certificate.
Step 3
Based on the submitted documents, you will be recalculated and part of the amount for the insurance will be returned.
Step 4
To return your property insurance, you also need to contact your insurer. For example, if you have insured an apartment, but sold it before the expiration date, this is a sufficient reason to terminate the contract.
Step 5
You will need to present: - an application; - an insurance contract; - a receipt for payment for insurance and a photocopy; - documents of title to the apartment, confirming the change of owner; - an extract from the unified register, which you can get from the FUGRTS; - a sale and purchase agreement; - passport of a citizen of the Russian Federation; - photocopies of all documents.
Step 6
The terms for consideration of documents and the return of funds for insurance do not exceed one month. The recalculation will be made to you from the day specified in the application when contacting the insurance company. But they can only return the amount for the whole month. For example, if you applied to the insurance company on the 15th, there are 6 months and 15 days left until the end of the insurance, you will receive money only for 6 months.
