How to return the insurance after paying the loan? Return of insurance: tips, recommendations

When customers get a loan from a bank, they are offered to arrange insurance. The service reduces the risk of non-return of money. And it operates under a mortgage and consumer loan. When an insurance event occurs, the insurance company transfers funds to the bank. These relations are regulated by the contract, where the rights and obligations of the parties are prescribed.

But many customers repay loans ahead of schedule, because of what the need for insurance is excluded. Not everyone knows how to return insurance for a loan. This procedure has some features that should be considered by all bank customers.

History

In 2009, the Presidium of the Supreme Arbitration Court approved a decree according to which bank commissions were related to measures that violated the rights of consumers. For several years there have been cases of return of illegally paid money. The banks decided to abolish commissions that were considered important revenue.

Over time, the rates for providing money on credit increased. When the Federal Law "On the Consumer Loan" was issued, a new problem arose-the imposition of insurance on the issue of funds in debt. Many clients began to make statements that loans are not given when the service is refused. Moreover, the insurance price is quite high, and the refund can be made not for each contract.

This increases the commission, and clients do not know their rights. Because of fears about the refusal to obtain a loan, people take out insurance. Even if the contract was concluded, it is necessary to know how to return insurance for the loan.

To whom is this required?

The need for insurance is still there. Banks get the money back guarantee in different conditions. When the insured event came, the insurance company transfers the funds to the bank. If the amount exceeds the balance of the debt, the amount is paid to the debtor. If the funds are insufficient, the bank will keep the money from the client.

Usually, life insurance, health insurance is issued. This service is provided to protect property from adverse factors. They are prescribed in treaties. In the event of an insured event, the client should notify the insurance company that compensation has been granted. And after paying the loan, the insurance is refunded according to special rules.

Types of insurance policies

Insurance provides for compensation for damages in the event of the death of the customer or the receipt of harm to health, which cause problems with the fulfillment of obligations. The service is the most common in the banking sector. When the death or injury is received, the insurer pays the balance on the loan to the bank, and the beneficiary is the bank.

Another kind of policy is property insurance. It is considered compulsory when registering a mortgage or buying a vehicle on credit. In case of loss, damage, damage to the acquired property, the insurer pays the amount of the loan. That is, by law, apartment insurance against fires, bays is considered compulsory. But the client decides whether to choose insurance in case of death and violations of health. In this situation, the law is on his side.

Features of insurance

According to the law, citizens are not obliged to make insurance. It turns out that the bank can not force to formalize the service as mandatory, but the law says that without life insurance loans are not issued. This concerns the registration of a mortgage and a loan for the purchase of a car. If the document is issued, payments are transferred constantly, then the question arises, how to return insurance on consumer credit?

The beneficiary in this case is the bank. But, as we have already said, if there was full payment of the debt, then the client can issue a refund. The Bank recalculates and transfers money. The insurer can receive only reward. Its size is proportional to the validity of the document.

If there was an early repayment of the loan, can I return the insurance? Yes, in this case, a refund is possible. But if the debt is repaid in time, then the funds will not be returned.

The insurance procedure is different in each case. Everything is determined by the type of loan. It can be consumer and collateral. In the first case, the life insurance of the client is performed, and in the second case, the property.

Economy options

From many clients of banks you can hear that they were forced to take out insurance for the loan. How to return it? In fact, the customer can only voluntarily formalize. If this still happened, then the price of the service should not be included in the loan, since interest will be charged on this amount.

After paying the loan, the insurance is refunded according to the law. The client must submit an application, which will be considered by the bank. Please note that funds are not automatically transferred. Only after writing an application, filing copies of documents and making a decision, money is paid.

A condition for the transfer of funds is a statement. Return insurance for the loan of Sberbank can be in the event that the client has a disease in which you can not sign documents. The list of exceptions is in the contract. But before the signatures the medical examinations do not pass, and the client may not know exceptions, that's why he pays for the services. In such cases it is necessary to apply for recalculation and compensation of money. But the client will be given not the full amount, but 87%, since the tax is calculated - 13%.

Insurance in Sberbank

How is the insurance refunded after the loan is repaid in Sberbank? The client has the right to refuse to participate in the loan program. To do this, we need to repeat, we need to apply to the department within one month after filing the documents and write a statement.

But is it possible to return the insurance after the loan, if several months have passed? Yes, but then the client will be transferred funds with deduction of expenses for registration and taxes. This is about 50% of the first installment. You can return and part of the premium, if the loan is paid in full and ahead of schedule.

Before you return the insurance for consumer loans, you must make a statement in two copies. At the same time, copies of the customer are marked with the date of registration of the document.

Mortgage

How is the insurance refunded after the mortgage payment? A pledge is considered a guarantee of compensation for damage after the termination of obligations. Termination of such a document without repayment of a loan is impossible.

But the return of funds occurs in cases where the loan is paid ahead of schedule, and insurance - for the entire period. It is necessary to apply to the insurance company and return the following documents:

• statement;
• passport;
• Contract;
• Certificate of debt repayment.

Then the recalculation is performed, after which the rest is transferred to the client.

Principles of insurance refund

Regulates similar issues of the law on the return of insurance after the loan. There are 2 methods for solving this problem. The first is pre-trial settlement. When the loan is repaid, the insurance funds are refunded through the company that handled the registration. Do not contact the bank. A financial institution is considered an intermediary. For attracting customers, he is paid interest.

After the loan is paid, the insurance is returned to the insurance company. The client must write a statement in two copies, after which they are registered. If the company is far away, you can send a registered letter. The document should indicate the period during which the response will be expected. Along with this, you need to order an extract from the personal account, where it is indicated how the money was distributed.

And if there was no answer?

If the answer does not arrive, you need to contact the Rospotrebnadzor. In this organization it is necessary to send the letter, having enclosed in it a copy of the statement, an inventory, the notification on reception of the letter. If there is no response from there, then you should go to court.

Consideration of the case can last for months. If the price of the question is up to 50,000 rubles, then you should apply to the world court. Together with the application you must file an agreement, loan payments, insurance agreement, determination of the amount of the claim, application to the insurance company, mail notification, response. It is necessary to calculate the amount of the claim. It is below court costs. You can try to collect through the court, but this does not always help. Applications are accepted within three years.

If the employees of the bank require to issue insurance for consumer loans, then they must provide an alternative. Usually it is a program with increased interest and SMS-notification connection.

Return under the current contract

In order to make a refund, a pretrial claim is filed with a financial institution first. It is advisable to use the services of a professional lawyer. Not later than 10 days after receipt of the claim, the bank shall provide an answer. When drawing up a claim, you need to read all the documentation on the loan.

If the bank was given a negative answer, it is important to file a statement with the court. This procedure is best entrusted to a lawyer. In addition to the court, you need to apply to the Rospotrebnadzor. There can be 2 types of action: one case must be present in court, and the other - he does not need to appear. The trial takes about 3-8 weeks from the date of application.

The insured bank

There is no insurance company in this scheme. It turns out that the principles of the Civil Code do not apply to such contracts. If the loan was paid, then the insurance will not be returned.

The premium listed by the financial institution is payment for additional services. It can be returned upon early repayment. In this case, only the bank can pay part of the amount to preserve its reputation.

Features

How will the insurance return after the repayment of the loan? Do not yourself deal with this issue - it is better to turn to lawyers. Usually, some principles are involved. So, it is necessary to focus on the wording in the loan document, which is related to insurance. The contract indicates that it is valid for the entire period of use of funds. It turns out that if the loan is paid ahead of schedule, then the obligations to the bank are fulfilled.

You can also refer to the fact that there is no risk. The document is drawn up so that with the advent of the insured event, the bank has been refunded. If the money was given ahead of time, then such protection is not required. By law, the insurance document is valid until the period for which it was drawn up, or if there are no risks of the insured event. Then the company is obliged to return part of the premium.

These arguments do not always work for insurance companies. Usually, questions are resolved with the help of a court. The results are determined by the position of the judge. But there is a possibility of a refund. Insurers, wishing to work with regular customers, enter in the documents points about the rules of return of the premium, if the loan is paid ahead of schedule. Also it is necessary to remember the rules of insurance, with which it is necessary to familiarize beforehand.

Arbitrage practice

And how to get insurance if the insurance company does not want to accept the documents? It is necessary to apply to the consumer protection institution. Workers will deal with many issues, as well as defend your interests in court. With the help of this method, after repayment of the loan, the insurance will be refunded.

In practice, if financial institutions impose additional services to clients, the court decides questions in favor of the applicant. In loans, the organization is the seller of a service that offers to draw up another document. And thus, insurance is formalized in almost every bank. In order to avoid any unpleasant situations in the future, you must first familiarize yourself with all the rules. For this it is necessary to study the terms of the contract and it is better to clarify any ambiguities immediately.