The amount paid for taking out insurance at Sberbank can be returned. To do this, it is necessary to correctly draw up a claim and comply with the deadlines established by law.
Is it possible to return insurance at Sberbank
When applying for consumer loans and mortgage loans at Sberbank, employees of the organization often offer insurance to customers. Insurance is voluntary. Often, clients agree to arrange it only so that they do not refuse a loan. After a while, they begin to wonder if the insurance can be returned.
In accordance with current legislation, a refund for insurance can be carried out in the following cases:
- if the client wrote a claim within the first 14 days after the conclusion of the contract;
- in case of premature repayment of the loan (in some cases, the refund of funds may be refused);
- when the loan is repaid within the terms established by the loan contract, that is, according to the original payment schedule (the money may not be refunded if the loan and insurance contracts are executed for the same period).
If in the latter cases the issue of returning the insurance is controversial, then when the client contacts before the expiration of 14 days from the date of signing the insurance contract, Sberbank is obliged to accept the claim. If the application is submitted before the start of the insurance, the funds will be returned in full. Otherwise, the refund will be subject to the deduction of "used insurance days".
How to properly file a claim for the return of insurance
You can apply for the return of insurance yourself by filling out the appropriate form. If a Sberbank client applies for a refund within the time frame established by law, this will be enough. The sample can be filled in by hand. This form is not machine readable. A sample application for a return of insurance or for termination of an insurance contract can be taken at any Sberbank office or on the bank's website. If the client has any difficulties at this stage, he can call the "hot line" of Sberbank and consult on all issues.
When filling out a claim, the client must provide the following information:
- your passport data, registration and residence address, contact phone number;
- number of the insurance contract, the date of its conclusion;
- date of actual receipt of insurance and payment of the first installment;
- insurance amount;
- choose the refusal of insurance as the reason for applying
A claim can also be made in a free form by filling out an application addressed to the head of the department in which the insurance contract was concluded. If the client believes that his rights have been violated, it is imperative to indicate this in the application. A violation of rights is coercion to conclude a contract, the imposition of services. The application must be accompanied by a copy of the passport of the insured person, insurance policy and receipts confirming the fact of payment for insurance.
A written claim can be transferred to the policyholder in several ways:
- Bring it personally to the Sberbank office and register (in some cases, file a claim with the ray immediately in the name of the head of the Sberbank head office);
- transfer through your representative acting on the basis of a power of attorney;
- send by mail.
When a client applies for a refund for insurance, the refund must be made within 10 working days from the date of receipt of the application. But the consideration of the application is often delayed. In the claim, it is imperative to indicate the account number to which the transfer is to be made.
If representatives of Sberbank refuse to reimburse funds for insurance, the client has the right to apply to the prosecutor's office or to the court to protect his rights. Copies of agreements with the bank and an official response to the claim must be attached to the application.
