How to cheat in the sale of insurance policies CTP, CASCO insurance brokers and insurance companies

What kind of insurance we buy, whether DAMAGES, Hull, CTP or CTP extension is not so important, because in any case we buy your peace of mind. We pay for their own confidence that if, God forbid, if there is trouble. And while everyone at least once found myself thinking, "Maybe cheat? '. Who will be able to insure against fraud in the process, when the sale is made osago you, or the purchase of such insurance as CASCO? And no one will insure! You can rely solely on their focus and knowledge. It is worth paying attention to the following options in auto insurance fraud, which are the most common, as well as the most important points that you need to know in the process of buying CTP policy or hull.

Sale of the policy is void (stolen goods lost or earlier)

Most often, this method of fraud is used when an insurance policy osago. Polis is a form of strict accountability, so any insurance company closely monitors their safety. However, almost all companies the event of loss or, theft policies. To detect such policies all companies conduct a reconciliation to all numbers every 2-3 weeks. If the identified shortfall of the policy, the number of his instantly falls into the "black list" and immediately start on this fact checking service security company. Very quickly transfer is "black lists" of all companies in the Russian Association of Motor Insurers, for reference lists are available on the website of the organization. Here you can see the list of mandatory car insurance policy number is invalid.

Sale of fake insurance policy CTP

In the CTP policies in the upper left corner of the stamp must be an insurance company, it implements. Each liability insurance policy tool has a unique serial number entered in the database of the insurance company. Check this number may be traffic police authorities. Print all compulsory civil liability motor is in the printing of Gosznak is CTP policy of the two sheets (in fact most of the policy, as well as the support of self-copying). The policy has several degrees of protection:

application of micro grid on the front of the policy that has the greenish-blue tint around the format of the form. The grid should not leave traces of ink on your fingers.

Water signs with the logo of the Russian Union of Insurers must be clearly visible to the light. Right at the back of the hard copy should be imprinted metallic strip of white color, with a width of 2 mm. The structure of the paper has imbedded in the fibers of her reddish color, similar Banknotes in 100 and 500 rubles. On the back of the policy, they are clearly visible.Important! In addition to the CTP policy you must be given a kit consisting of the following documents:

Insurance policy, issued in your name, and a copy of the receipt of Form A-7, which shows the payment of the insurance policy and in which state the amount and the signature of the insured and the insurer;

Form of notice of an accident in 2 copies;

Terms of compulsory insurance of civil liability of vehicle owners;

A list of your insurer's representative in the subjects of the Russian Federation;

Special character gosobraztsa intended for stickers on the windshield of the vehicle. According to its sign is the same color with the coupon on the passed in the next year checkup.

Insurance policy that is not completely filled or not significant

In the process, when there is a clearance osago, sometimes citizens faced with cases of improper filling of the insurance policy. This "carelessness" is fraught with several consequences: a long and nervous eliminate inconsistencies, as you will have in case of an accident to prove the error agent and my carelessness that caused the error can not been seen, and the point of refusing to pay for the insurance, as well as possible accusations that you are a partner of fraud.

This is NOT a duplicate copy

An unscrupulous agent or, more accurately, "rascal", performs the filling only the original CTP policy. After this CTP policy gives you a hand, with the words that he does not want to take away from you too much time to fill and duplicate already without you, the benefit has already has all the necessary data. In fact, the agent fills up both in the design of the cheapest auto insurance with low-powered engine that operates in rural areas with little territorial gain. Such a pseudo-agent is given a duplicate of the company complete with partial proceeds. Difference, resulting in the value of insurance policies, the agent leaves himself. If you are "lucky" to buy liability insurance policy tool of such a plan, it will be declared null and void, but the fact of fraud will be known only to you when hit by accident. Agent at that time will be very far away.

The danger of such an option fraud is that at the time when the contract is concluded CTP, the agent really is an employee of the insurer, and the fact of fraud is found, as a rule, only when comparing the original policy and the duplicate car owner, which is stored in the archives of the insurance company. The agent actually wants to save you time in advance is required to complete all the necessary paperwork and provide them to you to check, and then you put signature. Only then can we separate the policy or self-duplicate.

Error by accident

In such a process, as the sale of insurance policies osago a mistake when filling out you have not noticed. For example, the agent accidentally wrote instead of the power 121 hp of 112 hp A small thing, it would seem, however, it has an impact on the calculation of CTP insurance - for 112 hp You have to pay less. It would seem, and the agent did not have malicious intent, and you did not plan slukavit, but ... You will experience great difficulty in proving the Security Service of the UK annoyingly simple misunderstanding. Such a mistake could result in a traffic accident in the case of refusal to pay, in addition, can serve as a pretext for accusing you of trying to cheat the insurance company.

Corrections in the policy

It is important to remember that insurance is a financial instrument osago, fixes it unacceptable. Made a mistake when filling out the policy, the agent is not entitled to anything in it Scribbles or sign from above, and the like. In his duties to write you a new policy. A policy that was flawed, the insurance company shall, in all databases held note on the policy and the damage is only after the fact of damage to the policy document was certified, CTP policy destroyed. Valid only minor corrections made by completing the application for insurance, however, they are just as well regulated.

What to do? Necessary to ensure that all documents pertaining to the insurance of your vehicle are fully completed in full accordance with your documents such as passport, driver's license and the van, registration certificate and other. Filling should not have patches. And, of course, be sure to read what you want to sign.

Too much discount from the face value of the insurance policy

Among the wide range of insurance services are common suggestions on how to purchase liability insurance policy tool at a lower price. Actually found on the Internet ads, which read about the discounts of 25-30% or even more. Of course, we all love to save, because the money is rarely superfluous. However, to lose his mind still not worth it, remember in this case, the folk wisdom: "miser pays twice, stupid - three times, and goof - always pays." Let's try to approach this issue from the point of view of logic.

Insurance companies themselves rarely make such discounts just for "beautiful eyes". If both are similar, it is usually in the promotion to specific conditions, wherein the period of its sale as 5-10%. This discount received by the customer. However, it does not match the discount, makes the company, since the company's conduct promotions also cost money. As a result, the company's revenue for your CTP policy will be only 80-85% of its nominal value. With this residue still have to pay taxes, pay staff salaries and book advertising, pay for the insurance and much more. This is the business. You should not think that would be concerned with the question of the insurer to pay you less. First of all, the insurance company is a business entity whose main goal is profit, not provide services to clients. 

Revenue is their prize, and the costs are insurance payments. All these factors create competition in the insurance market presupposes appropriate considerations for UK policyholders to transfer part of brokers and agents to advance. Once the selling policies CTP, the latter receive an agency fee, but for all that are independently all costs associated with the promotion of the policy on the market and finding buyers. The remuneration agent CTP can be 20-25%, whereas in Hull reward can rarely make it to 15%.

What, then, if the broker or agent may make an offer to buy osago, giving discounts of 25-30% the size or 15-20% of hull insurance?

Option 1: fraud (even without commenting.)

Option 2: the insurance company which is the issuer of the policy, is in an extremely nasty financial situation and increasing the discount is trying to collect an amount that allows her to close the budget deficit (for example, payments on insurance claims). It is a variant of a typical Ponzi scheme.

Option 3: a 25-30% discount on CTP veiled 5-6 years of driving without an accident. In other words, the broker or agent gives you a discount on my own 10.5%, and the rest according to the system you get a bonus / malus, if you can prove trouble-free ride for 5-6 years. With the hull is similar: the agent gives a 5% discount, and the rest goes to you when performing a variety of contract terms of the Voluntary CASCO.

Option 4: the agent does not limit its insurance activities, even giving you my own agency fee, which allows it to hold a similar calculation of the cost osago other marketing purposes. For example, there are many dealers who are willing to do their customers a discount if they buy their car and want it in place to insure. In this case, the cost of the machine has been laid profit showroom, and a discount on insurance is a good argument for bargaining.

Option 5: maybe it exists, but we are about it do not know yet.

Conclusion: The hearing on the proposal "stunned" discount try not immediately stunned, and find out exactly what such a discount by a mean and what motivated this discount.

How not to cheat yourself

Pay close attention!

Before making car insurance, car always bought. Try before buy a car, make sure it is "clean" from a legal steeple. This is evident. But where is the insurance? By purchasing a car, if you decide to insure its hull, it can act as a significant moment. This is due to the fact that the rules governing voluntary vehicle insurance, almost every insurance company has a clause providing for the possession of the company the right to conduct verification of legal history of objects to be insured, and sent to the competent authorities of requests. If you try to make osago irregularities were detected in the legal history of the insured object, a bona fide policyholder has the right to a refund of insurance premiums, but the insurance compensation is not performed.

Important!

President of Russia November 27, 2006 was signed into law "On Amendments to Article 9 of the Federal Law" On mandatory insurance of civil liability of vehicle owners. " This law requires accounting for all the persons that were specified in the contract CTP to increase and reduction factors for the entire period of their insurance history, regardless of whether to use a specific vehicle, in other words, even when you change cars. If the driver was driving without accidents on the old car, the contract osago retains his privileges by changing the machine. If he already had paid for CTP, one hundred insurance cost will be increased.

At this time there is no clear mechanism that allows you to work the amendment. But in this direction is a serious work. When such a mechanism yet to be created, will begin mass denial UK customers to pay insurance claims. It will be motivated underpayment for the CTP policy at a rate of bonus / malus system, which allows for trouble-free driving. In addition, after the creation of unified database for insurance claims, will be unopened to the facts of history and the reticence of emergency after the first insurance violators will appoint penalty factor Km = 1.5. It can not be avoided, because for all insurance companies, without exception, will be required to use the database.

Signing the contract osago, consider these circumstances. In case of emergency the previous period surcharge will be essential. However, if you still do not feel too confident behind the wheel, and were responsible for an accident, then maybe it would be much better to make a supplement for your peace of mind, full and guaranteed.