Situations where there is no need to contractCTP, is not so rare. For example, why the insurance if the car is sold? Not everyone knows that in this case it is possible to return the money back. How to cancel the contract CTP ordinary citizen?
1. Любой гражданин России может досрочно расторгнуть договор обязательного страхования гражданской ответственности без всякого объяснения причин. Но деньги в таком случае ему возвращать никто не обязан.
2. For the average citizen CTP rules provide for the possibility of early termination of the contract with the refund in a limited number of cases. The most common among them are:
• Change of ownership.
• Total loss of the vehicle (not reversed).
• The death of the vehicle owner.
3. Return the money for insurance MTPL in case of a sale is possible, if the contract of sale. »Sale» on the general power of attorney is actually selling is not the money in this case will not be returned.
4. To cancel the contract CTP and return the money, refer to the insurer. Do not forget to pre-prepare the documents: passport (the former owner), insurance policy CTP (original), receipt, sale and purchase agreement (reference account), a copy of the TCP with a mark of change of ownership.
5. The date of termination of the contract CTP in case of change of owners is not considered the actual date of the sale, but the one which marked the application to the insurance company. The later refer to the insurer, the less money will be able to return.
6. To terminate the contract in case of fatal damage to the vehicle or the date on the state recycling program, provide the insurer with MTPL policy and receipt act of recycling.
7. Required documents in case of death of the owner - a copy of the death certificate, as well as policy and receipt.
After receiving all the necessary documents, the insurance company is obliged to return any unused money within 14 days.
Good luck!
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