How to return MSC for OSAGO: step by step instruction

For today on roads of our country the huge quantity of vehicles goes. When buying a car, the driver should immediately take care of the registration of compulsory motor TPL insurance. After the cost of insurance services doubled, more and more drivers began to think about how to save on insurance policies. For this, there are several basic ways, one of which is a discount on the insurance coefficient established by the state. Therefore, many car owners are interested in the question of how to return the overpayment for MBA for OSAGO.

MKM's erroneous accrual during the extension of the insurance policy

Many drivers in the extension of insurance face the fact that its cost is very high, and the discount, on the contrary, decreased or even disappeared. The thing is that all information about insurance since 2014 began to be entered into a single database, when entering into which information can be indicated incorrectly. As a result, when the car insurance is extended, an incorrect calculation of the final cost of the policy may be made. The reason for this is not the intention of the insurer to deceive its client, but in the human factor.

The discount has decreased: what is the reason?

If you want to save on insurance of your vehicle and think about how to return money for the MSC on MTPL, then you first need to figure out why the discount can decrease. This can happen for several reasons, which will be discussed later.

Change in the type of insurance policy

As the insurance policy is used, each driver accumulates points, which he can then use for a discount. However, when you change the insurance program, for example, when switching from a regular program to a policy with an unlimited duration, these points can be reset. How to return the MSC for OSAGO in this case? This is entirely possible only if a new insurance policy is issued for the same vehicle by the same owner. Otherwise, the accumulated points are burned, and you can not count on any discount.

Admission to the management of several vehicles

If the driver, in view of his activity, has the right to manage different cars at the same time, and he is listed in several insurance policies, the insurer may not take into account points during the extension of insurance. How to return money on the policy of the osgos KBM in this case? Practically no way. The thing is that the insurance company in calculating the cost of the policy takes into account the number of points for the driver, who has them less. This is prescribed in the contract, so the right to overstate the ratio is completely legal and is retained by the insurance company.

Getting into an accident or changing the terms of insurance

The number of points and the size of the discount is also affected by the presence of an accident in which the driver was caught. If the gap between accidents is less than 12 months, then all accumulated points are completely burned. If the driver drives very carefully and does not get into traffic accidents, the cost of insurance policy for him every year decreases by 5 percent.

How to return to KMB: instructions for rebuilding discounts

Each driver is interested in the question of how to return money for the MPS for OSAGO. Despite the fact that this procedure is not an easy one, and it will be necessary to tinker with documents a lot, nevertheless it is possible to restore your discount for car insurance services. About what is required for this, we will go further.

What does the recovery process look like?

There are several ways to restore your accumulated points and reduce the cost of insurance when you renew the policy. To do this, you will have to bypass more than one organization and spend a lot of time. However, before submitting an official request, it is necessary to fulfill two conditions:

• Prepare the necessary package of documents;
• Find the culprit of the error.

Let's take a closer look at each point and understand how to return MSC discounts for OSAGO.

What documents need to be prepared?

To restore your legal right to receive a discount when renewing insurance, you need to prepare such documents:

• passport;
• rights;
• All insurance policies that you used for all the years of driving experience.

It is worth noting that you will have to apply to a large number of instances both personally and via the Internet, so all documents are recommended to scan on a computer and make them photocopies. How to return the MSC for OSAGO if you do not have old policies? In this case, you will have to contact all insurance companies whose services you have used and take relevant information.

Error search

It is impossible to answer the question about how to return the difference on MSC OSAGO without fixing an error that caused the combustion of the points accumulated by the driver. Having an idea of the reason for reducing the size of the discount, you can significantly speed up the whole process and save a decent amount of time.

To find the cause and time of the error, you will need to check all issued policies through a special online service by the date of the contract. It will take quite a long time, since it will have to be checked for each month, but this is a necessary measure, so it is impossible to do without it.

If you have always followed each insurance contract and monitored the calculation of the cost of the policy, then in the event of an error, the problem should be sought in one of the last contracts. If you know the exact time when the mistake was made, you will be able to start rebuilding the discount.

How to restore KMB: step by step guide

So, you have prepared all the necessary documents and found an error, which led to a reduction in the insurance discount. What should I do next to restore the MSC and return the overpayments for MTPL? This can be done by several means, which will require treatment in one or two state instances. You can do the following:

1. Try to resolve the problem directly with your insurer.
2. Submit a complaint to the Central Bank of Russia.
3. Submit an appeal to the Union of Motor Insurers.
4. Use some other levers of influence on insurers.

Each of these methods is very effective and in most cases your problem with discount on insurance will be solved, however, in order to understand what needs to be done in each case, let's talk in more detail about each of them.

Solution of the problem directly in the insurance company

If you are thinking about how to return the MTPL of OSAGO to Rosgosstrakh, an application to the Central Bank of the Russian Federation will be one of the most effective ways, since this body can deprive the insurer of a license, which is what all companies are afraid of. Therefore, each insurer considers all complaints and appeals of its customers and tries to resolve them as soon as possible in order not to give publicity.

Nowadays, on the websites of most insurance companies, a special section is provided, by switching to which the client can fill out a special form, describe the essence of the problem and attach scanned copies of all necessary documents. To even more motivate the insurance company in considering your appeal and solving the problem, you can send a separate message with the attached package of necessary documents at the same time.

Complaint to the Central Bank of Russia

How can I return MTPL of OSAGO to Rosgosstrakh by filing a complaint with the Central Bank of the Russian Federation? This method is the most effective to date, since the Central Bank is very strict about any complaints about insurance companies received from citizens. To file a complaint, you will need to:

1. Go to the site of the Central Bank and go to the section "Information on OSAGO." At the bottom of the page will be the corresponding button, clicking on which will open an online form to file a complaint.
2. In the opened form it is necessary to choose "Incorrect application of KBM".
3. You will be redirected to the information page where you will need to click the "No, go to the complaint" button, fill in all the fields and attach the required documents to the scanned copy.
4. On the next page you need to enter your details and contact phone number.

The Central Bank of Russia takes 10 calendar days to resolve customer complaints, for which your problem will be completely resolved.

Contacting the Union of Motor Insurers

Many drivers have no idea how to return the MSC for OSAGO through the SAR, but filing a complaint with this organization is no less effective than applying to the Central Bank of Russia. Despite the fact that the RSA does not have the right to make changes to the single insurance register, nevertheless, there are quite a lot of opportunities to influence insurers in this organization.

In order to file a complaint, it is necessary to draw up an appeal detailing the whole situation and indicating the reason for your appeal, and then sending it to the PCA e-mail, which you can find out on the official website of the organization, by attaching scanned documents to the letter.

Alternative solutions to the problem

If you used each of the methods described above, but for whatever reason they did not bring any results, then what do you do next and how to return the MPS for OSAGO? In this case, you should collect all the official documents and your applications to all authorities and apply to the court. However, you should take this step only if you are completely sure that the law is on your side. In passing, you can file complaints to the FAS, Rospotrebnadzor and OZP.

In addition, you can simply change the insurance company. Because of the high competition, many insurers offer a special offer for new customers, which allows drivers to return all their lost points when registering a policy.

How can I pay overpayment for an incorrectly calculated insurance coefficient?

Sometimes it happens that the driver at registration or extension of the policy was charged the wrong ratio, which he paid. How to return the lost MSC for OSAGO in this case and whether it is possible to count on anything at all?

If the insurance company has accumulated a debt to its client due to improperly charged KMB, then it can be returned. For this you need:

1. To restore the real size of the insurance coefficient.
2. Collect 2 packages of documents: one for the insurance company, and the other for yourself. The insurer will need to send the original letter with a response to your request from the Central Bank, the original request for a refund of financial assets, as well as bank details. You still need to leave a notarized copy of the above documents.
3. Pass the package of documents to the insurance company and assure a copy of the letter and application.

After all these steps have been completed, the insurer simply has no choice but to return to you in full all the overpayment for the incorrectly calculated MSC.

Helpful hints and tips

So, we figured out how to return the MSC for OSAGO. However, any problems associated with mandatory car insurance can be avoided, but the following useful tips and recommendations will help you.

If you make out a new insurance policy, but before that the driver's license was changed, then in order to save the accumulated points, you must specify the reason for the replacement and the serial number of the old document in the "Special Notes" field.

To avoid mistakes by employees of insurance companies, when filling out the next policy, ask them to personally enter information about documents, and after that carefully read all the fields and check the relevance of the data entered.

In 2011, the law entered into force, which prohibits insurance companies from depriving their customers of accumulated balls. Therefore, if you are told that nothing can be done and the discount can not be returned, then simply file a complaint with the appropriate authority or authority.

Conclusion

Thanks to the information in this article, now in your arsenal there are several powerful tools with which you can restore your discount on car insurance services in the event of various problems. Do not be afraid to contact the insurer or file complaints with the relevant state institutions, because they exist in order to protect the rights of citizens. Do not rush to make out the policy in the first insurance company that came across. Thanks to the fact that today there is a huge competition between insurers, each of them is fighting for its customers, offering the most favorable conditions.