The CTP policy is usually purchased for a period of one year, and the amount of the insurance premium can be quite an impressive amount. In case of early termination of the contract, the policyholder has the right to return part of the funds. There are several cases in which you can get your money back by contacting the insurance company with the necessary documents.
It is necessary
- - purchase and sale agreement or certificate of account;
- - a photocopy of the PTS of the sold vehicle with a note about the new owner;
- - general power of attorney;
- - insurance policy and payment receipt;
- - civil passport of the policyholder or owner;
- - a certificate from the traffic police confirming deregistration (in case of disposal);
- - death certificate (in case of death of the policyholder or owner).
Instructions
Step 1
There is no point in losing money for a paid insurance policy if, after a short period of time, you are forced to terminate the contract with the insurance company.
You can return money for OSAGO if, before the expiration of the insurance policy:
- the vehicle has been sold;
- the vehicle has been damaged and cannot be restored;
- the vehicle has been scrapped;
- the death of the policyholder or the owner of the vehicle has occurred.
Step 2
To terminate the contract and return part of the unspent funds, you must contact the office of the insurer and write a statement of termination. In this case, you must have the following documents with you:
- purchase and sale agreement or certificate of account;
- a photocopy of the PTS of the sold vehicle with a note about the new owner;
- general power of attorney;
- insurance policy and payment receipt;
- civil passport of the policyholder or owner;
- a certificate from the traffic police confirming deregistration (in case of disposal);
- death certificate (in case of death of the policyholder or owner).
Step 3
To get the maximum possible amount, you should contact the insurance company immediately. For example, in the case of the sale of a vehicle, the number of unused days under the insurance policy is calculated from the day following the day of filing an application for termination of the contract. In the event of the death of the policyholder or the owner, the number of unused days under the insurance is calculated from the date of death, according to the provided death certificate.
