Some borrowers even sue creditors for their right to this action, but this option is not suitable for everyone, and the likelihood of losing is not canceled, since bank employees can easily turn the situation in their favor. At the same time, the client can ask his lender about whether it is possible to write an application to waive loan insurance several months after the contract is drawn up and payments are made on time. But such a procedure can be carried out only when a simple consumer loan Subtleties in the law on the cooling-off period The recently passed law does not affect collective agreements. It only applies if a contract is concluded individual and an insurance company.

How to cancel loan insurance?

Early repayment and return of insurance Is it possible to return insurance if the loan is repaid early? Since the policy is issued for the term of the loan repayment, a person who repays it in full ahead of schedule is entitled to receive a portion of the insurance fee.

If the loan was taken out for two years, and 60,000 rubles were paid for insurance, then if it is paid off after a year, 30,000 rubles are supposed to be returned.
In general, you need to contact the bank with this question. An application for a refund is drawn up either when an application for early repayment is written, or immediately after closing the loan.
To resolve this issue, the bank can refer the client directly to insurance company.

There he can also request a sample application for refusal of insurance.

Attention

Should I act on my own or contact a lawyer? If you return the insurance within provided by law five days, you will not need the help of a lawyer.

We refuse insurance for a loan from a Russian standard bank

1 What is credit insurance?
2 Types of insurance policies issued with a loan
3 How much does loan insurance cost on average?
4 When can I refuse loan insurance?
5 Procedure for waiving loan insurance
6 Sample application for waiver of loan insurance
7 Arbitrage practice termination of the insurance contract
8 Possibilities for refusing insurance in large banks Russia
9 How to more effectively defend your rights?

In search favorable loan the borrower mainly considers the interest rate on the loan and does not always take into account additional costs.

These may include commission, property valuation, insurance, etc.

How to refuse credit insurance in 2018

Info

IN Lately Most consumers perceive insurance as an imposed service.

However, banks everywhere continue to promote as their own insurance products, and those owned by partners.

Of course, now the schemes have changed significantly. They are usually used in relation to legally weak borrowers who consider an insurance contract necessary and are forced to make a choice - take what they give, or leave without money at all.

Every borrower should know how to apply for waiver of insurance. However there is one more important factor, forcing people to accept insurance.
The fact is that credit terms Banks are often designed so that products that include insurance seem more favorable to the client in terms of interest rate, loan duration and amount.

Features of the return of funds deposited under insurance New legislation provides that refusal of loan insurance during the cooling period guarantees a refund by the bank Money spent on purchasing insurance policy, within ten days.

It is also possible to satisfy the client’s request if there is no insurance case during the cooling-off period.

Since the policy does not always take effect immediately after signing the contract, the amount of funds returned may be full or partial.

If the insurance contract has not yet taken effect, the premium amount is refunded in full.

Otherwise, the amount for the past time is deducted from the funds, and the company has every right to do this, since the service was provided.

Features of returning insurance after a cooling-off period for an outstanding loan If the cooling-off period has already passed, the registration of the service does not fall under the new law.

Raa Law

After writing the application and after it is received by the company, a refund will be issued within 21 days.

Otherwise, it is permissible to go to court. If you repay the loan early, you will be able to return part of the money according to the terms of the previously signed agreement.

Rosselkhozbank.
This lender works with the insurance company RSHB-Strakhovanie.

The bank complies Russian legislation and also allows you to refuse insurance and provides the opportunity to return the insured amount.

A statement written within the first 5 working days (“cooling off period”) assumes a 100% return according to the regulation within a 10-day period.
At early repayment loan - part of the insurance during conversion.
Home Credit Bank. The bank cooperates with the company SK Renaissance Life LLC.

The amount of compensation itself should cover the loan itself and, preferably, also the bank’s costs.

So, on average the rates are as follows: No. Type of insurance average cost insurance policy 1. Insurance policy collateral property When applying for a mortgage, the policy is equal to 0.1% of the loan amount (when buying an apartment) and 0.15% (when buying a residential building). An important factor when setting the tariff is the year the house was built, the material of the external walls, the presence of a gas water heater, etc. 2. Title insurance From 0.1% to 0.3% per year 3. Life and health insurance From 0.15 to 1.5 % (maybe higher).
For example, with a consumer loan, the insurance amount reaches 1-5% per year depending on the size of the loan 4. Insurance against job loss On average 0.1% per year. There are also more expensive options (1.5%), depending on the age and profession of the person 5. CASCO for a credit car There is no single formula.
Let's first figure out how to refuse credit insurance at the initial stage - before submitting an application, for example, for a consumer loan. You told the manager that you do not want to take out an insurance policy, but the lender insists and convinces that the loan will not be issued without it.

Your actions:

Contact the head of the bank branch.
If the first step cannot be accomplished, dial the number hotline without leaving the bank employee.

Approximately 95% of all loans impose an insurance service on clients.

Banks often set corresponding plans for their employees, which they have to fulfill, violating the law.

Procedure for waiving loan insurance In the question of how to waive loan insurance after receiving it, we will rely on legislation.

Form for refusal of loan insurance in the Russian standard within five days

This is why banks often sell Additional services as part of a collective agreement (in fact, the bank acts as an insurer), and the return of insurance during the cooling-off period becomes impossible.

Available ways to refuse insurance Many people think that insurance is a mandatory procedure when taking out a loan.

However, Russian legislation affirms the voluntary nature of the insurance contract. The catch is that a financial institution can refuse a loan even without specifying a reason.

Most often, clients are given this alternative:

A program with a low interest rate and mandatory insurance.
More high interest rates and lack of insurance.

Many are afraid that option number 2 is unprofitable.

And therefore they themselves agree to additional services that they do not need.

Repayment step by step - what should the borrower do? Is it possible to return the insurance after repaying the loan? Methods and options Method 1: you can accept it and remain insured. Refund in case of early repayment How to return insurance on a Sberbank loan How to return insurance on a Sberbank loan after signing an agreement? Let us present in the form of a table the percentage of compensation for the cost of insurance depending on the deadline for filing the application. We found out that refusing a Sberbank loan within a month after receiving a loan is the surest way to return the money. Procedure for returning insurance on a Sberbank loan To return the insurance, you need to submit a corresponding application to the bank branch. The application must be in the prescribed form. We refuse insurance for a loan from Russian Standard Bank. If more than long term, then you need to read about the possibility of termination in the terms of your contract.

We return loan insurance from Russian Standard Bank

If the scheme is like this, then banks call such an agreement a collective insurance agreement, or a group insurance participation program. In this case, as a rule, the bank takes a commission for supposedly making the borrower happy by insuring him.
Moreover, the commission is the main thing that the bank needs from you, and it exceeds the amount of the insurance itself many times over. An example is the statement below. It’s very clear here that the amount of insurance itself is marked in blue, and the red shows how much the bank grabbed into its pocket.
Feel the difference, as they say. However, such a commission can be challenged in court, albeit not in all regions of the country. Judges are people too, and sometimes their eyes widen at such figures, especially since this very commission is taken, in fact, not just for nothing , but for what the bank itself is obliged to do as an insured (i.e. transfer money and client data to the insurance company).

We refuse insurance for a loan from a Russian standard bank

When receiving a loan, the borrower is asked to take out insurance. In some cases it is mandatory (mortgage), and in others it is voluntary (consumer loans).

One way or another, banks are trying to impose insurance on all types of loans. And the borrower himself decides whether he needs it or not. But in some cases, insurance can be returned.

It all depends on the conditions specified in the insurance contract. In the article we will answer the question - how to return insurance on a Russian Standard loan? Let's consider the options that the borrower can use.
How insurance is issued To return the insurance premium, you need to carefully read the terms of the contract, namely, who is the policyholder. First, let's figure out what an insurance contract is.
It can have four sides.

How insurance is returned when repaying a loan

The next day I went to the bank office and demanded an application for waiver of insurance (they didn’t want to give it, I had to insist). The application form is already ready, you just need to enter your details.

Attention

They said they would review it within 6 days. As a result, a day later I received an SMS about the termination of the insurance contract and the transfer of money. I contacted the bank again to find out what to do with the money.

They answered - you can take it in cash, or you can use it to pay off the loan (which is what I did). Received new scheme payments.” If you have a question about how to return insurance on a loan from Russian Standard Bank, first of all you need to study the insurance contract.
The money will be returned if you submit your application on time. You can also return part of the insurance after early repayment of the loan. At the very extreme case- you need to go to court.

Important

Having repaid the loan on time. Similarly, it is worth making a decision to return the insurance after repaying the loan within the specified period. credit agreement deadlines. In order to avoid the need for such a return and to avoid overpayment of insurance, it is worth requiring that the agreement be drawn up strictly before the expiration date of the loan agreement.

When your rights are violated, you have the opportunity to file a claim in court to objectively consider the case and satisfy your claims. Return of insurance The procedure for returning insurance after repayment of the loan will include the provision of a certificate from the bank confirming the absence of financial claims against the individual borrower and the need to confirm the absence during the validity of the contract.

The judge only listens to both sides, considers the evidence and makes a decision based on this.

You need to have a good understanding of the laws of the Russian Federation in order to competently argue your position.

“I took out a consumer loan from Russian Standard Bank.” The employee fraudulently imposed insurance, although I am a group 2 disabled person.
They also imposed an additional service, for which they charged 800 rubles. Regarding insurance, I wrote an application on the third day and attached a certificate of disability, sent it by fax, and received confirmation.

After 10 days I called to find out if the money was returned, to which I was told that they had not received the application. I stated that I had confirmation. Then they told me that the application had been found and asked me to call back in 5 days.

Well, I hope there is no need to say that such commissions are taken exclusively from borrowed funds. money for the purpose also increase interest on them. The second method, or method 2 It usually consists in the fact that the bank has an affiliated insurance company.

Examples of carts and trolleys: BRS, Raiffeisen, KEB, VTB24 and the like. In this case, the bank seems to be out of business, and the borrower himself is the insured (that is, he has an individual policy). But the amount of the insurance premium is just a guard (of course, if the insurance belongs to the bank). For example, my little man was sold by Raiffazen insurance of 67 thousand, for a loan of 400. For five years.

That is, it turns out that the borrower paid over ten thousand rubles for insurance per year. How much did the bank warm up the borrower? We go to the Tinka website, for example, and use the calculator to independently calculate insurance with coverage of 500 rubles.

Is it possible to return insurance after repaying a loan from a Russian standard bank?

When concluding an insurance contract, each potential borrower should pay attention to the following important aspects:

contract time;
conditions of attack insured event;
procedure for payment of insurance compensation amounts;
calculation of insurance premium;
procedure for payment of insurance premium;
the presence of a condition for the return of part of the insurance premium in the event of early termination of the contract.

You are guaranteed a 100 percent insurance return only if this condition is specified in the contract. In other cases, it is not worth wasting time and money on proof back - the court will make a negative decision on your claim, and the bank and insurance company will not tire of sending motivated refusals to your address. Therefore, before signing the contract, do not lose your vigilance, and you will not have to demand the return of your own money.
Step-by-step instructions for returning insurance funds In order to return insurance after repaying the loan, you must take several steps:

submit a claim to a financial or insurance company;
submit statement of claim arbitration court;
obtain court decisions and performance list;
present the writ of execution to the bank or bailiff service;
wait for the funds to be returned to your account.

Application To return the remainder of the insurance premium, a written application to the insurance company must contain a desire to terminate the contract and a demand for the return of part of the insurance premium. This claim is drawn up in two copies and handed over to the insurance company against the signature of the recipient on the client’s copy. The insurance company client is given a period of 10 days to review the application and respond.

Life and health insurance for any credit programs, except for mortgages, is voluntary, no matter how it is presented by the borrower. Therefore, it is always possible to return the loan insurance after repaying the loan. Realizing loan agreement, it is possible to return insurance payments and interest accrued by the bank on these payments, if they were included in total amount loan To do this, you will need to prove to the court that you were not warned about its voluntariness.

In case of early closure

According to the norms of Civil Law of the Russian Federation, a citizen is not obliged to insure his life. According to many information sources, direct communication or the need to enter into insurance obligations for lending, no. Insurance company services are paid in advance for the entire loan term or payment is made in several payments.

Paying off the loan on time

Similarly, you should decide to return the insurance after repaying the loan within the time period specified in the loan agreement. In order to avoid the need for such a return and to avoid overpayment of insurance, it is worth requiring that the agreement be drawn up strictly before the expiration date of the loan agreement.

The procedure for returning insurance after repayment of the loan will include the provision of a certificate from the bank confirming the absence of financial claims against the individual borrower and the need to confirm the absence during the validity of the contract. To receive a refund, you must submit an application if insurance premiums were included in the general loan agreement, or a document from the insurance company (if the contract was directly concluded). When drawing up a statement of claim to the court, you should formalize it correctly: describe the circumstances of concluding the insurance contract.

Consumer

The most common type of lending – consumer loan – is possible both without collateral and with property collateral. If there is collateral, banks try to insure it in case of loss of consumer qualities or complete loss. When lending without collateral, life, health, disability, and job loss insurance services are offered.

Car insurance

The process of concluding a loan agreement for the purchase of a car includes three types of insurance:

OSAGO policy;
CASCO policy;
life.

At the same time, compulsory motor liability insurance is mandatory policy for operation of any vehicle. CASCO can be useful to a novice car owner even after repaying the loan contract. Before you begin your insurance claim, calculate whether this amount will cover your costs for the entire procedure. It is worth carefully studying the insurance policy for penalties for early termination.

Mortgage

At mortgage lending insurance is provided on the collateral and the life of the borrower. Refund of overpaid amounts and payment of insurance after repayment of the loan is possible for both types of insurance. To do this, it is necessary to draw up an application to the policyholder for early termination of two contracts. If the insurance was provided by two insurance companies, you must submit applications to both of them.

In order to make a refund of insurance after repaying the loan, you need to take several steps:

submit a claim to a financial or insurance company;
file a claim with the arbitration court;
obtain court decisions and writs of execution;
present the writ of execution to the bank or bailiff service;
wait for the funds to be returned to your account.

Statement

To return the remainder of the insurance premium, a written application to the insurance company must contain a desire to terminate the contract and a demand for the return of part of the insurance premium. This claim is drawn up in two copies and handed over to the insurance company against the signature of the recipient on the client’s copy. The insurance company client is given a period of 10 days to review the application and respond.

What documents are needed

Refund of the insurance premium in case of early repayment of the loan is possible by extending the validity until the expiration date of the insurance agreement, with its re-registration to another beneficiary in the insurance agreement. This person is the bank, or you, your relatives, or children. If you decide to return the overpaid money for insurance, you must attach the following documents to your application:

passport;
a copy of the loan agreement;
a certificate from the bank confirming full repayment of the loan.

The amount of money returned upon cancellation of insurance depends on the time that has passed since the date of conclusion of the insurance and banking services. If the insurance contract is terminated in the first month after registration of insurance, 100% is paid. 3 months after the loan and insurance are issued, the refund amount will not exceed 50% of the insurance premium. It is worth carefully studying the insurance contract, which may contain rules for recalculation in case of early termination.

The borrower’s choice of a package of services that includes insurance, additional contributions, and due to this, other conditions are reduced, does not give him the opportunity to declare that he was not warned about the voluntary nature of insurance. This means no evidence base to contact arbitration court. A similar situation will be in which the insurance contract contains a clause on a one-time transfer of the insurance premium for the entire loan period, without the possibility of recalculation and return.

Submit an application and receive a response from the bank in just 30 minutes →

Is insurance required to obtain a loan?

So, first you need to remember: if you get a regular consumer (commodity) loan from a bank, where there is no collateral in the form of a car or real estate, then whether or not to take out insurance is your own business. No one can force you to do this, and if credit specialist claims that without it they will not issue you a loan - this is not true.

In other words, insurance of the borrower’s health and life, his ability to work, etc. - This is an additional service that you can sign up for or not, at your discretion.

If they impose it on you, or lie about the fact that without this you will not receive approval, immediately contact the department management or call the hotline to leave a complaint about the employee’s inappropriate behavior.

How to terminate an insurance contract?

Can they refuse to return insurance?

If no more than 5 working days have passed since you signed the contract, they will not be able to refuse you. If you managed to write an application within this period, then the order of the Central Bank to refuse the imposed insurance will apply, this is written here.

If a longer period has passed, then you should read about the possibility of terminating insurance in the terms of your contract. As a rule, it states the possibility of returning part of the funds, but only if you repay your loan ahead of schedule.

In this situation, you first pay off the debt ahead of schedule and receive a certificate of no debt from the bank. You apply to the insurance company in the same way and follow the instructions described above.

Now you know how to prove your right to refuse loan insurance at Russian Standard Bank or, if necessary, return the money spent on it.

If you want to apply for a credit card, then follow this link. Find other posts on this topic here.

Do you want to know whether it is possible to cancel loan insurance at Russian Standard Bank, and if so, how to do this? You will find several useful recommendations in our article.

At the first such statement, immediately call the general manager or director of this branch and write a complaint. If you need to refer to legislation, mention the article on consumer protection.

It’s a completely different matter if you want to get a loan here, the money from which will then be used to purchase a vehicle or home. In this case, insurance must be taken out, these are the rules of the law, but specifically for your collateral, and not for the borrower himself.

If it happens that you were forced to take out an insurance policy in addition to the loan agreement, and you want to terminate it, then you have every right to do so. Remember that this issue is not resolved with the bank, but with the company that provides you with insurance services.

You can find a sample on the Internet, there are a great many of them, but it is better to download a sample application directly on the website of the company that provided you with insurance services. Carefully fill out all the fields, especially those where you need to indicate your data and account details where the money paid for insurance should be returned. Do not forget to also write about the reason for terminating the agreement.

Sample application for waiver of loan insurance

Statement

If it is impossible to return the insurance premium in case of refusal by the bank or insurance company, you will need to go to court. To do this, take into account that you will be confronted in court by experienced bank lawyers. The judicial procedure includes a stage of different interpretations of legal subtleties and legislative acts. It is advisable to involve a professional specialist, lawyer, attorney.

Let's take a closer look at how to write a waiver of insurance after receiving a loan, and also consider finished sample statements. For documents you will need a passport and an insurance policy.

You can write a “refusal” on a special form, but it is also permissible to do everything in any form - on a regular sheet of paper, indicating:

Your personal data (full name, telephone number).
Passport details (series and number).
The reason why the contract is terminated.
Date and client signature.

Within 14 days after the policy is terminated, the insurance company must return your money, and if the law is not followed, then file a claim and then file a lawsuit. See the example of the loan insurance waiver form. Download standard sample You can apply for waiver of loan insurance here.

Moscow, Tkatskaya street, no.

Sometimes, when applying for a loan, you even have to buy several insurance policies. It is sometimes difficult for a financially illiterate person to understand whether he needs insurance, because there are situations when it is best not to resist the lender and get insurance, but you can also become a victim of the banal cunning and greed of a banking specialist.

So, why are banks so willing to work with insurance companies to sell their policies? This happens for several reasons:

Decline banking risks at the expense of borrowers. The client purchases a policy, and if an insured event occurs, the insurance company is guaranteed to compensate the bank for the damage incurred.
Receipt by bank agency fee for the sale of insurance products to the public.
Receiving funding by bankers in the form of placing insurance reserves in deposit offers from insurers.

Bankers do not have the right to impose insurance on their clients - this is prohibited, but in fact the opposite often happens. (Article 16 of the Law of the Russian Federation dated 02/07/1992 No. 2300-1 (ed. O07/03/2016) “On the protection of consumer rights”).

Still, a lot depends on the terms of the loan agreement. So, if a creditor makes a demand for compulsory insurance, disobeying the rules will result in refusal financial organization.

They have a sales plan, for failure to fulfill which they are deprived of bonuses, reprimanded, etc.

I previously wrote about this possibility in the article “Refusal of insurance: new rules”, today we are faced with the task of drawing up step by step guide: “How to get money back for loan insurance.”

1 Waiver of insurance during the cooling-off period.

We have to find out whether it is possible to waive insurance after receiving a loan, and if so, how.

More recently, when applying for a loan and signing an application for insurance, a person was practically unable to reverse the move. Further appeals to the bank and the relevant companies were rejected with a categorical refusal: since the application was signed by the borrower himself, then his action was deliberate and voluntary.

If you need to refer to legislation, mention the article on consumer protection. In other words, insurance of the borrower’s health and life, his ability to work, etc. - This is an additional service that you can sign up for or not, at your discretion.

If an organization refuses to accept an application and cancel the policy, or does not respond to requests from a client who wants to cancel insurance after receiving a loan, you need to write a claim and then go to court.

With a superficial assessment of the situation, the client believes that it is cheaper to conclude an insurance contract, which he subsequently does.

However, it would be wiser to study first credit offers other organizations.

All information of the insurer must be indicated in the text of the contract - name, account numbers, contact number, head office address, director, etc. With all this data, you come home and write an application to terminate the contract.

After you fill out such an application, it must be scanned and sent to the insurance company's email address. Next, you need to send a printed version by registered mail with notification through the Russian Post office.

Sample application for refusal of insurance and refund of amount

As a rule, each financial organization has its own form with a certain text, which is approved by the authorities and will be accepted for consideration. This question must be clarified with a consultant at the bank or directly with the insurer; if there is an established sample, you must ask for it at the branch in printed form or in in electronic format download from the official resource.

In this case, the following data must be specified there:

your personal name, city of residence, passport and contact details,

information on the loan - date of receipt, amount, term, interest rate, etc.,

the reasons why you refuse insurance services,

date of writing the application, your signature.

Remember that you must write the refusal in two copies so that one remains in your hands. Make sure that both papers contain the entry number and the signature of an employee of the institution; this will be your guarantee in case the application is lost.

It is necessary to carefully study the terms of the contract, and if certain provisions do not indicate the impossibility of returning the premium, you can submit an application to the insurance company.

If you are ignored there, you can try going to Rospotrebnadzor, whose specialists will be able to check the actions of the insurer for compliance with the requirements of regulations. If this method does not bring the desired result, there is only one option left - search professional lawyer and going to court with a claim for the return of the amount of insurance premium paid for the period in which the loan was repaid.

Overdue accounts payable- this is not yet a reason to panic. Read about what bank debtors should do in this article.

Here you can find out how to take out a loan using someone else’s passport. In addition, the article talks about how to protect yourself from scammers.

Step-by-step instructions for returning insurance funds

Statement

RAA Law

First, let's figure out what an insurance contract is. It can have four sides. This:

Object of insurance.

Such insurance is more difficult to recover through court. However, you can return part of the amount if you repay the loan early. In this case, according to the law of the Russian Federation, the borrower can return part of the insurance in proportion to the time when it ceased to be valid.

If the bank itself acts as the insurer, such an agreement is called a “Collective Insurance Agreement” or a “Collective Insurance Participation Program.” The bank takes a commission for insuring the client. The amount of the commission may exceed the amount of insurance several times.

In such situations, you can challenge the amount of the commission in court, because the bank takes money for what it essentially should be doing - transferring money and client data to the insurance company.

The second option is for the bank to cooperate with an insurance company (there are many examples of such banks, including Russian Standard). The insured is the borrower himself, for whom an individual insurance policy is issued. The insurance amounts in this case can exceed tens of thousands of rubles.

Policyholder (the person who insures and from whom the money comes).

Insurer (insurance company).

Object of insurance.

Beneficiary (the person who receives payment upon the occurrence of an insured event).

How to return loan insurance

It is possible to return the loan insurance immediately after receiving it or upon completion of all settlements with the borrower. It makes sense to stop the action for real estate insurance mortgage agreements, and life insurance - for all other types of lending. To get a refund, you need to repay your debts to the bank on the loan, confirm this in writing, and draw up an application using the samples.

Conditions for early termination of an insurance contract in accordance with current legislation

Directive of the Bank of Russia dated November 20, 2015 N 3854-U “On the minimum (standard) requirements for the conditions and procedure for the implementation of certain types of voluntary insurance» a 5-day period has been established from the date of issuance of the loan for the return of the imposed insurance. To do this, you must provide the bank with an application demanding the return of the money paid under the insurance contract. The application must contain:

first name, last name, patronymic, passport details;
number and date of the insurance contract;
bank accounts for reimbursement;
provide copies of the agreement and payment receipts.

Contacting lawyers and judicial practice

If the bank or insurance company refuses to return the insurance premium, your next step should be to submit an application to the arbitration court. If you are not familiar with the articles civil code, laws, judicial procedures, it is worth finding specialized law firms in Moscow and other cities to correctly draw up a statement of claim, quickly consider the case, set a date for the hearing and trial.

If the insurance money was collected as a lump sum upon receipt of the loan, you can try to get it back. First you need to write a claim to the Russian Standard Insurance company. It is better to send the document by registered mail with notification. Typically, such applications are considered within 10 days from the date of receipt.

According to the law of the Russian Federation, the borrower can apply for waiver of insurance within 5 working days from the date of signing the contract. Moreover, during this period there should be no signs of an insured event. The money must be returned in full.

If more than 5 days have passed since the signing of the contract, the insurance company has the right to withhold part of the amount. The withheld portion of the amount is proportional to the actual duration of the contract.

In case of refusal from the bank

If the bank refuses, you need to go to court with a statement of claim. Many lawyers advise not to sue alone, but to resort to qualified assistance. The reasons are as follows:

Russian Standard Bank has a staff of highly professional lawyers who will exploit any loophole in the contract.
There is no universal claim template; it must be drawn up individually and preferably together with a specialist.
You should not hope that the court itself will understand this issue. The judge only listens to both sides, considers the evidence and makes a decision based on this.
You need to have a good understanding of the laws of the Russian Federation in order to competently argue your position.

What you should pay attention to when concluding an insurance contract

No.	Insurance type	Average cost of an insurance policy
1.	Collateral property insurance policy	When applying for a mortgage, the policy is equal to 0.1% of the loan amount (when buying an apartment) and 0.15% (when buying a residential building). An important factor when setting the tariff is the year the house was built, the material of the external walls, the presence of a gas water heater, etc.
2.	Title insurance	From 0.1% to 0.3% per year
3.	Life and health insurance	From 0.15 to 1.5% (maybe higher). For example, with a consumer loan, the insurance amount reaches 1-5% per year depending on the size of the loan
4.	Job Loss Insurance	On average 0.1% per year. There are also more expensive options (1.5%), depending on the age and profession of the person
5.	CASCO for a credit car	There is no single formula. Each company brings its own nuances. The cost is influenced by a number of factors: car brand, year of manufacture, mileage, equipment, number of drivers, their experience, etc. The price of insurance can reach 7-10% of the loan.

There is one small but striking nuance. The lender, in fact, does not impose insurance on the client, but has the right to increase the interest rate when refusing loan insurance by an average of 2-3 percentage points. A prohibitive, but not uncommon action is to increase the rate by 5 or even 7 percentage points.

contract time;

conditions for the occurrence of an insured event;

procedure for payment of insurance compensation amounts;

calculation of insurance premium;

procedure for payment of insurance premium;

the presence of a condition for the return of part of the insurance premium in the event of early termination of the contract.

Therefore, before signing the contract, do not lose your vigilance, and you will not have to demand the return of your own money.

Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.

All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

That's why FREE expert consultants work for you around the clock!

Customer Reviews

Here is how real clients of Russian Standard Bank respond to attempts to return the insurance premium:

If you have a question about how to return insurance on a Russian Standard Bank loan, first of all you need to study the insurance contract. The money will be returned if you submit your application on time. You can also return part of the insurance after early repayment of the loan. As a last resort, you need to go to court. As reviews show, it is possible to return insurance.

“I took out a consumer loan from Russian Standard Bank.” The employee fraudulently imposed insurance, although I am a group 2 disabled person. They also imposed an additional service, for which they charged 800 rubles. Regarding insurance, I wrote an application on the third day and attached a certificate of disability, sent it by fax, and received confirmation. After 10 days I called to find out if the money was returned, to which I was told that they had not received the application. I stated that I had confirmation. Then they told me that the application had been found and asked me to call back in 5 days. Within the specified period I called again, to which I was told that the application was still under consideration and I needed to call in another 5 days, because the terms of the contract have changed. I don’t know how much longer they intend to dodge. I’m going to go to court.”

“Personally, I returned the remaining amount of the insurance after the loan was fully repaid. I wrote a statement at the office of the Russian Standard Insurance company. When I applied for the first time, I was refused a refund. After repaying the loan, I applied again. I had to fill out the application in two parts. But the next day I was informed that the insurance contract was terminated, and on the same day the money was transferred to the account. True, during this time I lost about 5 thousand rubles (subtracted for expenses under the new conditions).”

“I bought the goods at a household appliances store and registered it through Russian Standard Bank.” I knew very well that without insurance they wouldn’t apply. The next day I went to the bank office and demanded an application for waiver of insurance (they didn’t want to give it, I had to insist). The application form is already ready, you just need to enter your details. They said they would review it within 6 days. As a result, a day later I received an SMS about the termination of the insurance contract and the transfer of money. I contacted the bank again to find out what to do with the money. They answered - you can take it in cash, or you can use it to pay off the loan (which is what I did). Got a new payment plan."

Judicial practice of terminating an insurance contract

Having taken the path of justice, study the step-by-step instructions for refusing insurance through the court:

Collect everything Required documents, which includes the loan agreement, the insurance policy you signed, and the waiver application.
If the policy was really imposed on you without telling you about its existence, then indicate this fact in the application. The judicial authorities will look into it and force the creditor to present a document that may reveal forgery of certificates and signatures, and this is a serious and punishable violation.
As additional evidence, provide the court with conversations with a banking specialist recorded on a voice recorder (prepare in advance).

For example, if credit organisation indicates in the contract that consumer credit insurance is mandatory, then such a contract will be declared invalid, because contrary to the law.

Any ambiguities or terms that are difficult to understand in the agreement between the bank and the borrower will also play into the hands of the applicant.

The court is always on the side of the borrower when repaying the loan early, i.e. having completed debentures, the client no longer has to pay for the insurance policy. However, borrowers often lose in court.

Most often this happens when challenging mortgage and car loan agreements, because here there are mainly required types insurance.

How to more effectively defend your rights?

And we repeat again, pointing out that during the first 5 days you have every right to return the loan insurance. You do not need the help of a specialist in this matter. The law is on your side, banks and insurance companies are obliged to comply with it.

Then the process will be more complicated and sometimes even impossible. Having received in banking organization If your claim is rejected, contact a lawyer; don’t rush to go straight to court.

There are a sufficient number of them on the network. They can help you remotely completely free of charge, and if necessary, they can help you get your loan insurance back.

To avoid such problems, carefully read the terms of the contract, and if something is unclear, ask questions. If you have doubts about voluntary insurance, refuse it immediately, preferably before signing the contract.

What is credit insurance?

It is beneficial for banking institutions to enter into insurance contracts to reduce risks and generate additional income. Since this is not mandatory, they add the services of insurance companies (IC) and their additional services to the so-called lending programs. Working with several insurance companies and offering clients life insurance against accidents and job loss, the bank receives a reward for each client. This provides an opportunity to reduce interest rates on loans or offer more attractive lending conditions.

Some banks offer individual lending conditions for clients. At the same time, special mechanisms are being developed that can sway the borrower’s decision in favor of voluntary insurance. Selected species insurance is being replaced by a comprehensive insurance service, which involves adding insurance payments in equal shares to monthly payments.

Sberbank

When concluding insurance contracts, Sberbank is the direct policyholder, therefore, claims for payment of the balance of the insurance premium upon early repayment of the loan must be addressed to the bank. Refusal of insurance is possible for Sberbank of Russia within 30 days from the date of signing the contract. In both cases, the client’s actions will consist of submitting an application to the bank branch where the documents were signed. Upon application, the insurance period will be calculated and only part of the client’s contribution will be returned.

Russian standard

When issuing loans, Russian Standard Bank offers several types of insurance, including against deterioration of health, accident, and job loss. Payments for these insurance services are made monthly along with loan payments and, under the terms of most consumer plans, terminate when the loan agreement ends.

Home credit bank

To insure collateral for mortgages or car loans, life and health insurance for clients, Home Credit Bank resorts to the services of a subsidiary insurance company of SK Alliance - SK Renaissance Insurance. Therefore, a refund of insurance is possible by contacting the insurance company directly. The experience of such appeals shows a rare percentage of returns on the application; most policyholders have to resort to the services of lawyers and file claims in court.

VTB 24

VTB Bank offers 24 clients its own life insurance programs against damage, loss of property, work, and collateral. In the initially concluded agreements, along with the terms of the loans, the borrower's insurance obligations are indicated for the required terms and amounts of premium paid, and the validity period of the insurance.

When issuing loans, the Ural Bank for Reconstruction and Development offers clients Individual conditions contracts. They provide for connection to a comprehensive insurance program, which implies the transfer by clients to the bank of all functions of selecting an insurance company, agreeing on conditions and signing an insurance agreement.

Loan insurance is a service that is offered to the borrower at the stage of applying for a loan. The main idea is to insure possible risks that arise during the loan repayment process.

Insured events may arise due to changes in health, financial situation borrower, natural disasters, loss of property and other similar reasons.

The registration of insurance can be initiated by the bank, but the insurance contract is concluded directly with the insurer. An insurance policy is issued for the period of repayment of the loan and involves the payment of additional contributions, which can be made at a time or together with loan payments.

Features of insurance for various loan products

The subject of insurance is determined by the characteristics of loan obligations.

For example, when receiving mortgage funds, the borrower is offered to take out life insurance and the collateral. When applying for a car loan, insurance of the vehicle purchased using borrowed resources is relevant.

When issuing money secured in the form of valuable papers, may offer to draw up an insurance contract for risks arising from changes in the value of financial instruments.

The cost of insurer services is estimated differently. But on average, insurance will cost between 10-35 percent of the loan amount.

Each bank independently determines the terms of insurance and directly or indirectly influences the choice of insurer. In this regard, some peculiarities arise.

Russian standard

deterioration of the borrower's health;

fraud;

accident;

loss of sources of income;

loss of property.

The insurance premium is paid by the client monthly, along with current payments aimed at paying off interest and reducing debt. An application for refund of insurance can be written directly to the bank or insurance company. If the review is positive, an additional agreement is concluded and from that moment the client is recalculated insurance premium.

Home Credit

Home Credit Bank offers clients insurance through its subsidiary insurance company, SK Renaissance Insurance, SK Alliance. The main types of insurance are: issuing a policy for accident insurance, insurance of property and goods, as well as insurance against possible loss of a source of income.

An interesting option is to take out a product insurance policy, which is explained by the bank’s extensive work with retail chains and sales of equipment and other products on credit.

The insurance premium is reimbursed by the Home Credit Bank client at a time for the entire insurance period.

The practice of returning insurance at banks is quite ambiguous. The vast majority of clients are asked to file a claim with the insurance company, which denies compensation. Therefore, the only option left is to resolve issues through the courts.

VTB 24 Bank offers its own insurance programs when receiving replacement resources.

life insurance;

job loss insurance;

property insurance.

Payment of the insurance premium occurs in a lump sum. The insurance contract stipulates the impossibility of returning the balance of the insurance premium in the event of early repayment of obligations at the initiative of the client.

An interesting product in the insurance market is QIWI insurance, which allows you to insure terminal equipment, acquired with borrowed funds, from the actions of vandals. The premium amount, according to the terms of the contract, is paid in full for the entire period and is not subject to partial refund.

What documents are needed to return money?

If you intend to defend your legitimate interests, guided by the provisions of the insurance law, which provide for the return of the insurance premium in the event of early termination of the contract with the insurer, then collect a set of documents and go to the insurance company.

Don't forget to take with you:

passport;
loan agreement;
insurance policy;
payment and other documents confirming the fact of payment of the loan;
checks confirming payment of the insurance premium in full.

Who is right, the insurer or the borrower?

If the insurer refuses to satisfy your requirements, demand a refusal in writing. You can send this document to Rosportrebnadzor or the court.

When going to court, you should remember one thing important nuance: all costs that arise during the process must be covered by your funds. Therefore, it is important to compare the costs with the possible amount of return of the insurance premium.

One more is enough effective way is a change of beneficiary. Initially, a banking institution is indicated as a beneficiary in the agreement, but you can change it to yourself or relatives. This possibility is provided for by the provisions of Article 956 of the Civil Code of the Russian Federation.

To make a replacement, you must notify the insurer in writing or by telegram. Such actions are especially relevant in cases with mortgages and car loans, when there are collateral items.

To everyone who has Tinkoff credit cards! Withdrawing cash without commission will allow you to save a very significant amount. Read more here.

The borrower necessarily (mortgage) or voluntarily (consumer loan) takes out a policy when receiving a loan. Thus, the bank provides an additional guarantee against non-payment of accounts. The client also creates a “safety cushion” in case of force majeure. But the scheme seems attractive only at first glance. In practice, every 5th appeal to the insurance company ends in a refusal with reference to ambiguous wording in the contract. "Strakhovkaved.ru" will help you figure out how to cancel Russian Standard insurance.

Is it possible to refuse insurance when receiving a loan from Russian Standard Bank?

Enterprising clerks paint the picture as if the person will receive less annual interest, a longer payment period and many more positive aspects if you sign the insurance papers.

Legal experts remind you of Article 958 of the Civil Code of the Russian Federation (on refusal of insurance). Its wording clearly defines the capabilities of the insurance company and the Russian Standard client. A person may not complete (terminate) the transaction. Commercial and government banking structures Russia are subject to national legislation.

Attention! Russian Standard loan managers offer the client applying for a banking product to include insurance in the contract. But they have no right to demand or threaten the applicant with refusal.

The task of the credit manager is to sell as many products as possible, including insurance. He is more interested in taking out a policy than a Russian Standard client. The bank clerk politely but persistently assures the applicant of the need for this service. But if a person applies for a small loan, then the decision is his.

Large purchases are another matter. You won’t be able to get a mortgage or buy a car without a policy. The applicant does not have the right to refuse loan insurance. The bank tries to ensure the security of the transaction and guarantee repayment of the debt. The longer the loan term, the more likely a person will encounter unforeseen circumstances.

Waiver of insurance after receiving a loan

It must be remembered that the policy can save the borrower from serious problems. Especially if a person does not have a large monthly income. But you will have to pay a significant amount for the service. And if a loan is needed to purchase an inexpensive item, then you can do without insurance.

Same legal status states that a client who wishes to terminate a contract with an insurance company applies for termination of the transaction and reimbursement of the amount insurance premium fully or partially. The Russian Standard structure is located in the Russian Federation, its actions cannot contradict the rights of citizens.

The lender who approves the loan adds an insurance premium to the debt. But within 14 days a person can refuse insurance. In this case, the insurance company is obliged to reimburse 100% of the cost of the policy.

After two weeks, during which the Russian Standard client has the right to return the premium without loss of funds, it is also possible to terminate the obligations of the parties. The difference is that the amount of money is not returned in full.

In order to formalize a refusal after issuing a loan in Russian Standard, the client must draw up a corresponding application to the insurance company.

Attention! The form must be submitted in person or sent by registered mail, upon delivery of which the addressee will confirm the receipt of the application for refusal by signing the notification. If in the future the client, dissatisfied with the decision of the Investigative Committee, decides to file an application in court, the paper from the post office will become proof that he was right.

The applicant should know that the insurance company has 10 days to consider the appeal regarding the refusal of the Russian Standard client. If a person has not received an official response, you can safely go to court and Rospotrebnadzor. Term limitation period V in this case is the standard three years.

How much can I get back?

The amount of refund that a borrower can receive depends on when he submitted a refusal application to Russian Standard. The sooner he does this, the more he gets back.

No later than 14 working days – 100%.
After the expiration of 2 weeks, the insurance company will deduct “days used” and the costs of conducting the case from the insurance premium.

Attention! If the loan is repaid on time, the insurance premium is non-refundable.

Before signing any agreement, a person must read it carefully. Especially if the borrower is going to refuse the service. One of the clauses of the transaction may be the condition of the bank or insurance company that it is impossible to return the insurance premium beyond the 14-day period. The organization has the right to prescribe this nuance.

Procedure

Among banking products, consumer loan is the most popular, it is most often applied for. Insuring such a loan is profitable for the beneficiary. Together with signing the credit part of the transaction, the client voluntarily, and often forcibly, agrees to the issuance of the policy.

An applicant who wishes to terminate the insurance contract must:

Submit an application to in the prescribed form(2 copies).
Register it at the Investigative Committee office in person.
If the client cannot personally deliver the application, it should be sent by Russian Post.
Wait for an official response. The money will be sent to the account specified in the application. In case of refusal, it must be received in writing.

A person who repays a loan before the deadline set by the bank may qualify for a refund of the unclaimed portion of the contribution. The fact that the applicant no longer has debt obligations implies that there is no need for insurance.

Procedure when the loan is paid early:

Compose and submit an application.
Register it in the office of the organization.
Wait for an official decision in writing.

Along with submitting the main application for waiver of insurance, the person must confirm early repayment of the debt.

To do this, he will have to submit the following package of documents:

Russian Federation passport.
Loan agreement.
Written confirmation from the bank that the loan has been repaid.

After submitting an application for refusal or return of insurance, the administration recalculates the one-time premium. At positive decision the client receives the entire amount or some part.

Despite the chosen credit product, a person can refuse insurance. Exception - purchase on borrowed funds remains a deposit until full payment is made. You can obtain compensation by going to court.

Application for waiver of insurance for a Russian Standard loan

Properly submitted documents are the key to success when canceling insurance. It is difficult for an inexperienced layman to understand all the bureaucratic nuances. Russian Standard is not one of those who willingly returns funds, but they will not go against the law either.

What to do if the insurance company refuses to return the insurance

When a person is convinced of his rightness and the bias of the Investigative Committee, he can appeal to the highest courts to have the decision invalidated.

Why the insurance company may refuse to return the premium:

The transaction does not imply a refund in case of early repayment, and the application is submitted after the expiration of the 14-day period.
A mortgage has been issued.
The applicant provided deliberately false information or an incomplete package of documents.

A refusal not justified by the above-mentioned reasons may be appealed. It is worth remembering that Russian Standard has highly qualified lawyers. An applicant who hires a lawyer increases his own chances of winning several times. But before contacting a law office, you should calculate all the costs and compare them with the amount claimed by the insured. If it is less than the costs, then it is not advisable to conceive long, unpleasant litigation with Russian Standard.

Before filing a claim, you must file a pre-trial claim. The claim form is available for download.

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