You will need
- - statement to the insurance company for a replacement.
The restoration of the policy of insurance may be necessary in a few cases. First, you could it's commonplace to lose. In this case, you should contact the insurance company and your claim to an insurance company will issue a duplicate.
You will also have to apply for a duplicate of the policy in that case, if you changed the name on my driver's license (for example marriage), and if the original policy had been a misprint or a typo, or in the case when you prolong the period of use of the vehicle, wear in a second driver. If fact replace the data in the driver's rights were not, and the policy can not change.
As for the pay recovery policy, the first duplicate is issued free of charge because maintenance of the insurance contract is one of the duties of the insurance company. But for the second and subsequent duplicates policyholder will have to pay the amount you calculate a company on the basis of cost of production. The information described in paragraph 24 of the Rules of CTP.
Will also have to pay for the procedure fit of the driver or extension documents. Although, by the way, sometimes prompt the company's managers on the sly, in process of transaction may offer to buy any voluntary insurance.
It often happens that when making the sale, the car owners sell their cars with an insurance policy that is in the glove box and after that contact the company for termination of the contract. However, because of the policy on hand they have, the managers would have to first issue a duplicate, and then his own, and terminate.
To avoid any kind of misunderstandings in the relationship with the insurer, even when choosing the company inquire about its reputation, behavior upon occurrence of the insured cases, as well as the issue of restoration of the policy.
It happens so, that insurance policy just faded out in the sun under the windshield and on the exterior is now like a blank sheet of paper. In this case, you also need to apply for a duplicate, otherwise stop your staff highway patrol may issue a citation.
Despite the fact that insurance companies already have all your passport details, for the issuance of duplicate not forget to bring any documents. First, still correct policy to fill in the documents, and secondly, to avoid errors in the data.
Advice 2: How to restore the policy
The policy of obligatory medical insurance - a necessary thing, because that way is guaranteed to the person receiving free medical aid in any point of Russia. What to do if the policy has been lost?
You will need
- - the Declaration of loss of policy;
- - passport;
- - an amount equal to 0.1 of the minimum wage to pay for a new document.
If you have lost your policy or have it stolen, the first thing you need to notify the insurance company. If you are working, the problem is simplified. You just need to notify your employer. And he, through his representative, will report this with the insurance company. The policy and cancel after a certain time will give you a new one.
If you are unemployed, inform the insurance company about the loss of the policy will have on their own. This can be done verbally, coming to the insurance company. Or in writing, written statement. In this case, the policy should be void. You will be given a temporary until made permanent. It usually takes about 3 calendar months.
Once the policy is repealed, it immediately expelled from the base of compulsory medical insurance. Therefore, from the date of notification of the insurance company of loss of policy to avail of medical services no one else can. Sanctions for the loss of the policy to you, too, no one will use. The only insurance company can demand from you payment for the issuance of a new policy in the amount of 0.1 minimum Wage.
But in General, it should be remembered that the penalty for the loss of the policy is not provided
Advice 3: How to extend the insurance policy
Insurance company renew a policy of insurance automatically, if you are within the time established by the rules of third party liability insurance, did not notify the organization that are not going to roll over the contract.
Learn the rules of the insurancewhich your insurance organization that issued you the policy, was obliged to give you at the conclusion of the contract. Pay attention to items relating to the extension of the contract, they detail the actions of the insured (i.e., who enters into a contract with the company). In most companies they are spelled out in section V.
Inform your insurance company that they intend to enter into a contract of insurance with another organization. Keep in mind that you have to do it for two months before the expiry of the policyand the date you can find in the top right of the document. The application is submitted in written form, you may ask the insurance company or to write in any form. If you did not notify the insurer within a specified time about the decision to move to another company, your contract will be automatically extended. The insurer will write you a new policy for next year.
Contact a representative of the insurance company a few days before the expiry of your policyand insurance, if you didn't call. Find out whether you need to personally visit the office or the courier or insurance agent (representative), which you can give payment for the policy. As the competition for each customer among insurance companies is very high, the employees of your company are kindly requested to contact you by phone or email and explain how to get a new policy for the next period of insurance.
If you want to make changes to the existing policy, for example, to enter an additional driver admitted to driving the vehicle, and reflect this information in the statement. If all conditions remain unchanged, the insurer itself will print a statement on the basis of past data, you will need to sign it and policyE. the New Treaty will take effect after making payment in cash or Bank account.
Advice 4: How to extend the insurance policy
Insurance, that is mandatory liability insurance in our country is issued policy, confirming the fact of insurance. Such a policy has its validity. after which it must extend.
The insurance policy
CTP is insurance that is intended to cover losses caused by the actions of the driver to other road users or their property. Thus, the insurance payment for CTP in case of an accident in which the man was guilty, save him from having to pay any money for your damage, but will not provide any money for themselves the culprit. On the contrary, if the person was not at fault in an accident, the insurance policy, which must be the culprit, will cover his expenses for the restoration of the car.
However, do not expect that the damage caused to the innocent party will be fully covered, regardless of its size. The law "On mandatory insurance of liability of owners of vehicles" sets forth that the damage caused to the life or health of every person affected in the accident can be compensated in the amount of not to exceed 160 thousand rubles, and damage to property of each injured - not more than 120 thousand rubles. The aggregate amount of the payments for the damages to all the victims, should not exceed 160 thousand rubles.
The extension of the policy
Insurance policy commonly is issued for 1 year, but at the request of the vehicle owner it can be shorter. Under current law, to drive a vehicle only for a person, which is included in the insurance policy issued to the vehicle. While insurance rules can include in one policy several drivers either do not limit the circle of persons entitled to drive this car. However, it will definitely affect the cost of insurance.
The next day after the previous policy has ended, the driver has no right to go on the road, and did not obtain new insurance. Therefore, it is recommended to visit the office of the insurance company to obtain the new policy. It is not necessary to worry about what a few have already paid days, insurance lost: the new insurance policy will be executed exactly from the moment of the previous one.
In order to extend the insurance policy must show the insurance agent the standard package of documents, including passports and driver's licenses of all people who will be fit into the policy, as well as vehicle and certificate of registration. In addition, it is helpful to bring previous insurance policy: if last year the driver was driving without an accident, he is entitled to a five percent discount from the cost of the new policy. After submission of all necessary documents, the insurance agent will enter your information in the form of the established form, and paying the cost of insurance, you will once again acquire the right to move your car.
To implement the extension of the policy in the same company where you were previously insured and another organization. This can be useful to drivers who were dissatisfied with the service quality of their insurer and want to change it.