Advice 2: What should I do if I place an insurance policy?
In fact such actions of the insurance company are illegal. The press service of the Bank of Russia issued an official explanation on this matter. In accordance with the Federal law "About obligatory insurance of a civil liability of owners of vehicles" insurance is a public contract, therefore, the failure possibility of the conclusion of the contract unacceptable. So the answer is "no Forms" is illegal, and you can safely go to court.
As a rule, to blank forms "appeared" to motorists impose additional services. Then you can refer to the "Law on the protection of consumer rights", which expressly prohibits the insurers to impose additional amenities in the design of insurance policies.
If that the company "will not catch" and she still refuses to enter into a contract of insurance, it can be forced through the courts, moreover, it will be obliged to compensate material and moral damage.
The car owner remains only to prove the fact of treatment to the insurance company. This can be done in several ways. The easiest is to grab a tape recorder and record the conversation. Better still, if your conversation will confirm a couple of witnesses – so bring friends. The law also allowed the use of photos and video, but most likely, the insurers will require to remove them and will not go on contact (although, in fact, have no right, even referring to a trade secret – photo - and video filming of any citizen can make to any private areas, unclassified and non-strategic venture and especially in a private office).
You can also send the insurer a letter (contract offer) through the mail with a return receipt requested. The insurance company in accordance with the Civil code of the Russian Federation within 30 days of the receipt must either sign the contract or to refuse on legal grounds.
So, if you refuse to conclude a contract CTP, you must collect evidence that you appealed to insurance company and you are denied, submit them to the Bank of Russia, the Prosecutor's office of the Federal Antimonopoly service or Rospotrebnadzor, and submit an application to the court. The judge will oblige the company to sign a contract and pay you compensation.
Advice 3: What if the insurance company provides a discount on insurance?
In recent time, due to high loss ratio in insurance, trial practice, collecting fines, and the tightening of control by the Russian Union of Insurers, the insurance companies try not to apply discounts for break-even. In most cases, insurers refer to the absence of an automated information system (AIS RAMI) discount. Do if before the discounts the insurance applied "with" (was enough to show previous insurance policy), now it's much more difficult.
AIS RAMI is valid for a relatively short time (approximately from mid 2012 – early 2013) and many companies incorrectly discharged into the system data about the class of MSC, the presence or absence of accidents. Very often, clerical errors were made when entering information in the system will eventually cause the motorist to pay and be insured for 3rd class (MSC=1).
If You are faced with a similar situation, you should contact and enter into a contract of insurance in that company, which was insured previously. Remember that discounts for break-even are within a year after termination of the contract of insurance, and the cost of insurance CTP in all companies are the same, the force of law. As a confirmation of the discounts, You can contact your insurance company and request information about the presence or the absence of loss in the prescribed form (Annex 4 to the Regulations CTP). The information should be provided to You within 5 days from the date of application.
If the company denies You insurance or refuses to provide legitimate discounts should prepare a complaint to the Prosecutor's office, PCA and FSIS with reference to the violation of the norms of the current legislation on mandatory insurance.