The Russians from June 1 had the opportunity, within 5 business days to refuse the imposed insurance. The indication in the Bank of Russia has developed at the end of last year, but the insurance companies until the end of may was a time to restructure their activities to the new principles of work, Prime.
The law previously prohibited to oblige the clients to conclude a contract of voluntary insurance to provide any of the services. However, to prove that the insurance was imposed, quite difficult. As a result, in some cases, car owners could buy insurance policy by purchasing only the load of the additional insurance. Customers of some banks refused the loan without a contract of insurance.
Now can refuse from almost all the popular types of insurance: the list includes life insurance, accident insurance and illnesses, medical insurance, automobile insurance, financial risks insurance and other types of voluntary insurance. The client can terminate the contract within five working days from the moment of its conclusion regardless of the date of payment of the insurance premium, but only if the insured event occurred.
The money the insurance company must be returned in full if the contract for the five days not entered into force. However, if the Treaty started to operate, the insurer will be entitled to retain part of the money in proportion to the number of days of service.
The state Duma in April passed in the first reading a bill that strengthens the administrative responsibility for the imposition of additional services at the conclusion of contracts OSAGO. MPs propose to introduce a fine for legal entities in the amount from 100 thousand to 500 thousand rubles for the solicitation at the conclusion of the contract CTP. If to impose on the consumer additional services that do not fall under the requirements of the Federal law on compulsory insurance will be individuals, they can be fined on 5 thousand roubles. Therefore the accountability will be involved not only officials of the insurer, but the insurance companies and their insurance agents.