How to Get Money Back For Phone Insurance

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How to Get Money Back For Phone Insurance

In accordance with Bank of Russia Ordinance No. 3854-U dated November 20, 2015, “On Minimum (Standard) Requirements for the Conditions and Procedure for Implementing Certain Types of Voluntary Insurance,” which are registered with the Russian Ministry of Justice on February 12, 2016 under No. 41072 (hereinafter. »). the insurer is obliged to provide a condition for the return to the insured (that is, to you) of the paid insurance premium in case of refusal of the insurer (in this case, you) from the voluntary insurance contract within five working days from the date of its conclusion, regardless of the time of payment s insurance premium, in the absence of shown events that have signs of an insured event.
The insurance company (IC) is obliged to return the money to you within ten days from the date of receipt of your written refusal of insurance.
If the insurance contract has already entered into force, but you have managed to write a waiver of insurance within five days from the date of its conclusion, then SK will deduct from you a portion of the money for the service provided in proportion to the total time, since the service was provided to you for a certain period of time.
Please note that, according to Art. 958 of the Civil Code of the Russian Federation. the policyholder (and therefore you) has the right to withdraw from the insurance contract at ANY time.

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If you need help in preparing an application for a refund on imposed insurance when buying a phone in connection with "VTB Insurance", compiled in accordance with all the rules of maintaining documentation, with calculations and references to the provisions of the current legislation, as well as instructions for the correct submission (sending), you can contact us for a paid service. Please express your consent or disagreement.

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In accordance with Bank of Russia Ordinance dated November 20, 2015 No. 3854-U “On Minimum (Standard) Requirements for the Conditions and Procedure for Implementing Certain Types of Voluntary Insurance”, which are registered with the Russian Ministry of Justice on February 12, 2016 under No. 41072 (hereinafter. »). the insurer is obliged to provide a condition for the return to the insured (that is, to you) of the paid insurance premium in case of refusal of the insurer (in this case, you) from the voluntary insurance contract within five working days from the date of its conclusion, regardless of the time of payment s insurance premium, in the absence in this period of events that have signs of an insured event.

The insurance company must return the money to you within ten days from the receipt of your written refusal of insurance.

If the insurance contract has already entered into force, but you have managed to write a waiver of insurance within five days from the date of its conclusion, the insurance company will deduct from you a portion of the money for the service provided in proportion to the total time, since the service was rendered to you for a certain period time.

The directive entered into force ten days after publication in the Bulletin of the Bank of Russia, where it was published on 02/20/2016.

After that, insurance companies have been granted 90 (ninety) days to bring their activities under newly concluded voluntary insurance contracts in accordance with the requirements of the Directive.

According to the foregoing, from 01.06.2016, policyholders are allowed to refuse imposed insurance.

Please note that according to Article 958 of the Civil Code of the Russian Federation. the policyholder (and therefore you) has the right to withdraw from the insurance contract at ANY time. But in case of early termination of the policyholder from the insurance contract, the insurance premium paid to the insurer is not refundable unless otherwise provided by the insurance contract.