Greetings! Alas, this week began with a confrontation with the vicissitudes of fate. On Monday evening, I got stuck in front of the outer door of my own apartment - something stuck in the castle, and I could not open it on my own. Fortunately, I didn’t put the door opener business card out of my wallet. Communication with me did not interfere with the called master from fulfilling his duties, so we got to talking, touching upon, among other things, the topic of lending.

The master has recently paid off the loan obligations. But no one informed him that the cost of insurance on the loan can be recouped by issuing its return.

When lending money, almost all banks politely and extremely persistently offer the client life insurance. It is almost unrealistic to evade an additional service, since because of this the chance to borrow money from this bank is zero. The conditions for early repayment of the loan have also been developed not in favor of the borrower. But the client can still count on a partial refund of the funds paid for the insurance.

To dodge the payout insurance premium to clients who decide to repay the loan ahead of schedule, banks and credit companies are guided by Art. 958 of the Civil Code of the Russian Federation, clause 3. Following it, the bank has the right not to pay the insurance premium with persons who paid off the loan earlier than planned, if there is no special clause in the agreement for this option.

In fact, it looks like a refusal to pay accruals from the insurance premium for the period from the date of maturity to the final payment.

Thus, most of the creditors who have settled with the borrower before the agreed date do not return the funds.

What to do?

Contact your insurance company to apply for termination of your insurance program. Do not forget to take documents confirming the repayment of the loan.

Banks often advertise that they do not force those who want to get a loan to insure their own lives and only resort to this measure with clients intending to take out a mortgage or purchase a car.

The law states that the client has the right to terminate the insurance contract even after receiving the loaned money.

Having received a loan, on one of the days of the next month, visit the creditor bank and submit a waiver application. There are no specific rules for this, so make up the content of the text at your discretion.

For those who applied later, the insurance premium can also be received, but its size will be smaller due to the deduction of various amounts for banking services.

The final amount of funds returned is calculated taking into account the amount of time remaining until the day the insurance contract expires.

Is it possible to get credit insurance money back?

Expecting to get a loan, the borrower is forced to agree to take out insurance.

The subject of such an agreement is life and health, collateral. When registering a mortgage, a title insurance contract is signed. This procedure is initiated by the bank, seeking with its help to protect itself from losses in case of problems with the return of the loan.

Insurance is used as a tool to influence the borrower in order to stimulate him to return the money borrowed from the bank. It turns out that insurance is needed only until the bank receives the borrowed amount and interest for the service from the borrower.

But the client, who repaid the debt ahead of schedule, is faced with the refusal of the insurance organization to terminate the insurance and return part of the premium.

As a reason for refusing to return funds, the company indicates the lack of connection between the loan agreement and the insurance agreement. Therefore, the repayment of the loan, in the opinion of the insurers, does not affect the mechanism for returning the insurance.

If you formally interpret this article, then everything is within the legal framework. According to the conditions of Ch. 23 of the Civil Code of the Russian Federation, insurance is not considered a way of securing obligations.

The following instruments are used as influencing instruments: invitation of a guarantor, introduction of conditions for payment of a forfeit, pledge, bank guarantee, deposit, withholding.

Therefore, the points mentioned in Ch. 23 of the Civil Code of the Russian Federation as obligations canceled upon loan repayment have no effect on insurance contracts.

Naturally, the client can adopt general rule Art. 958 of the Civil Code of the Russian Federation, but this will result in the loss of the amount from the unearned part of the premium (provided that this paragraph was separately stipulated in the contract)

But all of the above, I think, cannot prevent the borrower from returning part of the insurance premium when applying to the court to terminate the credit insurance agreement.

The likelihood of winning a court case is high due to the possibility of recognizing forced insurance contracts as accession contracts.

In turn, a contract of accession is a contract, the terms of which are accepted by one of the parties only on the basis of accession to the proposed contract

The Civil Code of the Russian Federation contains article 428. From what is described in its second paragraph, it follows that the contract can be terminated at the request of one of the parties if it:

• signed a legal act because of conditions that do not contradict the law, but deprive her of the opportunity to act differently;
• only bears responsibility for violation of obligations, and the opponent who forced the signing of the contract bears either limited liability or is completely relieved of it;
• agreed to the clearly onerous conditions voiced, guided by her own interest, but would not agree to them if she could participate in determining the scope of the contract.

It is preferable for the client to go to court with a statement of claim, relying on article 428 paragraph 2 of the Civil Code of the Russian Federation, since he gets the right to claim the remnants of the premium for the unused period.

Usually, the following format for drawing up an insurance contract with a borrower is practiced: the client signs a standard form, which lists the rules for the provision of insurance services, and at the same time is not able to influence the terms of the contract. When making any protests, the client is presented with a fact: either the borrower accepts the conditions and signs the agreement, or he loses the opportunity to get a loan.

At the beginning of last year, amendments were drafted to the Civil Code of the Russian Federation, in particular to the provisions of Art. 428.

Due to this, paragraph 3 and the conditions of paragraph 2 of Art. 428 of the Civil Code of the Russian Federation became possible to apply when considering contracts that cannot be classified as contracts of connection. This amendment allows taking into account the requirements of paragraph 2 of Art. 428 of the Civil Code of the Russian Federation to the terms of contracts for life insurance, health insurance borrowers, insurance contracts specified as the pledged property. It turns out that now, when the bank pays the entire amount received on the loan, the borrower has the right to demand adjustments to the insurance or even terminate it with the condition that the company must pay the unused portion of the premium.

How to get insurance if you closed the loan ahead of schedule?

Anyone who has borrowed money from a bank at least once knows that the insurance goes to the bank or the insurers. If you do not like this outcome, familiarize yourself with the algorithm for returning insurance to the borrower.

All banks issue funds to borrowers, provided that not only the borrowed funds are insured, but also the life and health of the client. It turns out that credit users do not resort to insurance voluntarily, but forcedly. And no one informs them that the law prohibits creditors from being categorical in this issue... In other words, the bank has no right to refuse a loan only on the basis of the client's unwillingness to take out life and health insurance. At the same time, the bank manager is obliged to inform the clients expecting a loan that all the types of insurance offered in parallel are issued at the request of potential borrowers. But in no way under pressure from the side lending money, and the refusal of insurance should not affect the verdict on the decision to issue or not issue a loan.

Dfor information: in paragraph 1 of Art. 421 of the Civil Code of the Russian Federation stipulates that persons (both individuals and legal entities) should not be subjected to pressure when signing contracts. According to the law (Article 31 of the Law of the Russian Federation of July 16, 1998, No. 102-FZ) compulsory insurance only the property pledged by the mortgagor is subject when the mortgage is issued.

The need for such insurance is controversial. In such conditions, it is sometimes more profitable for a borrower to refuse a loan than to decide on a loan with onerous terms.

How to recalculate the amount of the insurance fee or get back the paid insurance premiums if you pay off the loan ahead of schedule, and the insurance payments were made monthly or the funds were paid out in a lump sum from the loan body?

Step-by-step instruction

The right to return insurance on a loan closed ahead of schedule is enjoyed by clients whose contract with insurers was still valid at the time the loan was closed.

If the contract with the organization or the company that judged the money by the organization or the company that insured this transaction states that the client will not receive the unused part of the insurance when settling on the loan before the date specified in the contract, then you should not count on the return of insurance payments. Because organizations have warned honestly about the consequences of early implementation credit liabilities.

1. We inform the institution and try to settle the dispute without a court.

We go to the institution where the insurance contract was written.

We write a claim (perhaps in "your" case, the document will be referred to as a statement) with a requirement to recalculate and return the due part of insurance premiums, since you closed the loan earlier than planned. We make a copy of the document, then we turn to the operator and require registration with a mandatory note on the letter, which we leave to ourselves

If the institution is located in another city, send a claim or statement by registered mail.

The nuances of such a document:

• the letter must be with a mandatory notification of receipt;
• be sure to make an inventory of the papers enclosed in the letter;
• in the letter, write down the requirement to notify the bank or insurers about the decision in writing;
• indicate the date by what date you expect to receive a response.

While you are waiting for an answer, you will receive a personal account statement. It will indicate all receipts of money from you to the address of the bank or insurance company.

2. We visit the controlling authority.

Having visited Rospotrebnadzor, we act according to the following algorithm:

• we write a statement indicating in it the fact of transferring a letter of claim to the bank or insurers;
• we attach a reply to the letter (if already received);
• we make an inventory of the documents transferred or sent to the bank;
• we attach a postal notification confirming that the bank received the letter.

3. Go to court

You can proceed to this point by excluding the appeal to Rospotrebnadzor.

When deciding on this step, keep in mind that:

• the litigation can last for several months;
• claims for an amount less than 50 thousand rubles. deals with the magistrate's court
• the rates for court services can be higher than the amount paid for the returned insurance (you can insist on payment of court services by your defendant, but who will pay this bill, the court will decide).

Before going to court, make sure you have prepared a package of documents, including:

• Statement of claim;
• Credit agreement;
• Insurance contract;
• Receipts and other official papers confirming the fulfillment of your credit obligations;
• Calculation of the amount for the claim;
• Application to the bank;
• A letter of receipt to the bank from you;
• List of documents sent to the defendant (inventory);
• Attach a copy of the letter and the original when responding from the institution.

Don't forget the statute of limitations. The legislation of the Russian Federation sets aside 3 years for the collection of payments transferred due to illegally issued insurance. The state of the loan (repaid or not) is not taken into account.

Consultation on insurance during the crediting period in the video:

Car loan and mortgage

Making out a car loan, mortgage, without insurance, and even in favor of the bank, you cannot do it. But having repaid the loan, the client has the right to terminate the insurance, since he becomes the sole owner of the collateral object.

The insurer is obliged to pay the balance of funds by recalculating the remuneration on its own.

In theory, termination of insurance should be automatic. But if there is not a word about this in the agreement, and you made payments on a monthly basis, then by stopping the transfer of charges, you may be accused of delays and receive fines and penalties.

Consumer loan and insurance

According to the law of the Russian Federation, banks should not force borrowers to agree to an insurance policy. But does everyone who wants to get a loan know about this? This is what financial and credit companies use.

Clients often skim the terms of loan agreements and sign documents, thinking that everything written is obligatory for execution. But even when signing the insurance, you can "turn it back" by filling out a waiver statement at the bank or insurance company.

Refusal to satisfy the claim, a reason to contact Rospotrebnadzor to file a claim. Having chosen such a strategy, you need to be ready to pay legal costs - so first make sure that the litigation is not at a loss.

Is insurance always evil? No, because from time to time unforeseen incidents happen to borrowers and the existence of an insurance contract makes it possible to get good help.

Borrowers have the right to reissue the insurance conditions after the end of loan payments - they just need to change the data on the beneficiary, which can be made to the payer himself or someone from his relatives.

Before initiating a complaints process officials, once again carefully study the terms of your loan agreement. If the paper states that it is impossible to return the insurance or part of it with early repayment of the loan, then it is pointless to start a lawsuit. The court will take the side of your defendant.

Obtaining insurance in case of early closing of a car loan, mortgage

A loan for the purchase of a car or a mortgage can be obtained only after going through the procedure for real estate insurance. This is a way to protect banking interests, since the property acquired with the money issued is registered as a pledge.

When the insurance period is not over, and the loan is repaid ahead of schedule, borrowers can expect to get the balance back. They must be paid after submitting the relevant application to the insurers.

If, according to the terms of the agreement, the borrower made regular payments, then after paying the lender it is better not to independently stop the settlement with the insurer, but to inform the latter about the fact that all obligations under the loan have been fulfilled. This is necessary to exclude the occurrence of penalties for late payment and new costs.

We return insurance on a loan from Sberbank

Borrowers applying for a refund of the insurance premium within 30 days from the date of signing the loan agreement, the amount of the insurance payment is returned in full.

If a claim for a refund is made later than a month after the loan was issued, part of the insurance is paid.

With an application for the return of insurance, please contact the representative office of Sberbank. When submitting a request, you must present your passport.

The accepted and registered application is pending for about a month. If the claim is satisfied, the funds are transferred to the client's card or personal account.

If you refuse to issue insurance funds, you can try to compete for your money by going to court. The return of insurance for a loan in other banks of the Federation is similar.

Return of insurance at Home Credit Bank

Credit balance insurance is compulsory. It is impossible to receive a decent amount from a financial institution without consent to this operation.

Once you have taken out a loan from a bank, be prepared for periodic educational operations from bank operators who will actively offer you new insurance products.

Depending on the type of agreement, insurance will cover the health, life, property of the borrower. Some insurance companies may offer insurance against unexpected job loss.

When repaying loan obligations before the day appointed by the bank, the borrowers want to return the insurance. However, not every claim against the bank regarding the return of insurance ends in luck. After all, insurance operations are not supervised by a bank, but by a third-party company that does not want to lose its way of earning.

The need for insurance

Banks most often lend money for consumer needs, for a mortgage or a car on credit. In each case, the insurance program will be different.

It is not necessary to insure health, life, and a job when taking out a mortgage.

For example, mortgage holders cannot avoid insurance:

• collateral in the form of real estate (you will have to spend your own money);
• CASCO (find out if the bank offers to insure the car for full cost purchase or it is possible to take out insurance for the amount of the missing amount);

When choosing an insurance company, make sure that it will not impose additional insurance products. Otherwise, when completing the contract, you will receive additional items of significant expenses.

After taking out insurance together with obtaining a loan, which you subsequently paid off ahead of schedule, I want to know how to get back the interest or the amount of insurance premiums?

If the loan obligations were fulfilled for a period of less than a year, and the contract was signed for a period more years, then it makes sense to contact the bank to deduct part of the insurance payments. At Home Bank, the factor of the duration of payments on a consumer loan does not matter. Upon receipt of an application from a client wishing to receive money back for insurance, managers will recommend contacting insurance companies.

Remember: the mentioned company does not recalculate insurance payments for clients who pay off loans ahead of schedule.

In such a situation, it is very difficult to get a part of the insurance back. A favorable outcome is possible only if the lawsuit is won.

The nuances of the return of insurance payments depend on the policy of the bank that issued the loan. At Sberbank, for example, a factor influencing the decision to pay out insurance is the duration of the loan settlement.

Is it possible to return insurance before settling the loan?

It is difficult to get insurance after the loan is closed. And what about customers who did not want to take out insurance, but were forced to agree to it because of the pressure exerted by the bank?

It is no secret that many borrowers agree to be insured for fear of not obtaining the bank's permission to issue credit funds. After all, not everyone who comes for cash aid on the terms of a loan they know that refusal of insurance is not a reason to refuse a loan. People even discuss with managers the issue of canceling insurance, fearing to be included in the list of unreliable clients.

Bank employees can really influence the decision to issue a loan to the clients who apply. If the applicant for a loan seems suspicious to the manager of the institution, he hears negative statements about the bank from the applicant, then the loan may be refused.

Once in such circumstances, it is better to notify of the unwillingness to pay insurance premiums after receiving the body of the loan. After borrowing money from the bank, in a few days, apply with an application to refuse insurance. Then you can count on the return of all insurance. If you submit your claims after a period longer than a month, you will not see payments. Just make it official. The decision to simply not pay premiums will result in substantial debt. A successful outcome of the "petition" for payment of insurance, submitted no later than 30 days from the date of the loan, is possible for the clients of Sberbank, Home Credit Bank, Promsvyazbank.

By contacting the bank after a period of more than a month, you can return only part of the insurance. If a quarter has passed since the date of the insurance and the loan, only those who repay the loan ahead of schedule can count on at least part of payments from insurance premiums .

The most zealous opponents of insurance payments are VTB 24 and Alfa-Bank, which are in no hurry to pay off the claims of borrowers even after the latter go to court.

On the vicissitudes of returning insurance after early repayment of the loan in the video:

If, when applying for a loan, the body of insurance was paid at once, those who paid off the loan ahead of schedule can try a less "bloody" way of returning at least part of the payments - by claiming the amount for the period remaining until the day the insurance policy expires. It is required to visit the insurance company and provide a statement of the desire to receive the remainder of the insurance premium. In addition to a written claim for payment, you will need to have a passport, both contracts (credit and insurance). Be sure to make a copy of the claim with the registration note.

When filling out an application-claim, indicate:

• your passport details;
• account numbers of contracts;
• account details for sending the insured amount (some companies require the reference numbers to be indicated in a separate document).

There is nothing complicated in filing a claim - you can easily cope with the procedure yourself. But if you are a busy person, you can delegate the business to a trusted person.

If the insurers refuse to return the payment for the period from the day of repayment of the loan to the day the insurance contract expires, contact the court. But keep in mind that litigation incurs costs - is it worth fighting for insurance payments if the amount of remuneration exceeds the cost of paying for court services.

The bank has been given a month to settle the issue. If you have not received the result after this period, you can go to court.

In the absence of an additional agreement with an insurance company, look for information on the terms of insurance payments in the loan agreement. In this case, submit claims for the return of insurance at the bank office.

Algorithm of actions for payers of the monthly insurance premium.

Equal insurance payments during the entire term of the loan are typical for mortgage lending, purchase on a loan secured by collateral and CASCO.

If you do not find information on penalties in the contract, you can terminate the contract by terminating insurance payments. But for the sake of peace, it is better to officially terminate the contract with the insurers.

Should I return?

The life insurance service is very often offered by banks not only when applying for loans, but also in less serious applications - when issuing a new credit card, changing a payment card.

Not deciding or not being able to refuse life insurance when you took out a loan, you can use it for your own benefit when you decide to pay off debt obligations ahead of schedule. This can be done by changing the beneficiary, indicating the full settlement of the loan as the basis.

Pay off the loan ahead of schedule - get insurance!

Let's assume the following situation. The borrower was forced to take out insurance in order to obtain the loan funds. And the amount of payments on it was repaid in full against credit money. Then life circumstances developed in such a way that the client found an opportunity to repay the loan ahead of schedule.

What to do with an insurance contract that is no longer needed, and the contract has not yet expired:

Step 1. Do not terminate the contract immediately! Insurers will meet halfway and terminate the contract upon receipt of a notice from you. But at the same time, no one will return the money if the contract does not stipulate that the insurer is obliged to pay off the balance with the client who closed the loan ahead of schedule. If there is such an item, you are obliged to return the balance of funds that appeared due to the premature end of the credit period.

Step 2. Do not start the process of refunding insurance funds without carefully studying each clause of the insurance contract and the rules of the organization that issued this contract.

What should be in the contract:

• List of grounds for termination of insurance.
• Conditions for the return of part of the funds to the client if he decides to terminate the contract with the insurers ahead of schedule.

If there is a clause on the mechanism for the return of insurance funds remaining due to early disposal of credit obligations, the company returns the money by recalculating.

It is encouraging that the state duty for such cases is not charged, and litigation for the protection of consumer rights is being considered in the court of the district where the plaintiff lives.

Some insurers may delay payments. What to do in this case? Unfortunately, I own a small volume useful information on lawsuits against insurance companies carrying out fraudulent activities with insurance payments to customers who repaid the loan ahead of schedule. But even theoretical calculations cannot be ignored if they help to achieve victory in court against an insurance company.

Thus, having decided to protect your interests, you will not incur additional costs even if you lose the case. However, you should not think that the chances of winning the process are small. On the contrary, they are large enough.

The insurance contract is terminated ahead of time, based on the provisions of paragraph 1 of Art. 958 of the Civil Code of the Russian Federation: a contract that has entered into force can be terminated if there is no likelihood of an occurrence insured event due to circumstances not described as an insured event. Early repayment of the loan is such a circumstance.

According to the legislation (more precisely, clause 3. 958 of the Civil Code of the Russian Federation), the borrower who repaid the loan ahead of schedule has the right to receive part of the insurance in proportion to the period during which the insurance contract was valid. In other words, the company keeps part of the payment for itself, and returns a part to the payer of the insurance. In favor of the payer, clause 7 of Art. 10, containing information about the features of life insurance with the condition that the insured borrower lives up to a specific age or a predetermined date. According to the above, on the day of termination of the contract, the insured is returned the amount in the amount of the insurance reserve on the day of termination of the contract. Therefore, any borrower has the right to count on the payment of funds that cannot be assessed by the insurance company due to the termination of the contract with it.

What is said about this in the Letter No. 03-04-05 / 4-420 from the Ministry of Finance of the Russian Federation, published on 05/08/2013. Following the instructions in this letter, credit organizations are obliged to return to the insured persons a percentage of the unspent insurance amounts after subtracting the amount calculated for the duration of the insurance

What pleases no less is the absence of tax charges for trying to prove your case in a confrontation with an unscrupulous insurance company.

However, everything spelled out in legal prescriptions will not be possible to use in favor of the borrower if the insurance contract certified by him contains rules indicating the prohibition of payments in case of early repayment of the loan. If the agreement contains such clauses, then after the signature of the borrower of such a document it is considered (yes it is) that by signing you agree to the existing conditions. Therefore, carefully read all the papers to be signed! Didn't bother to get acquainted with each clause of the contract in detail before its certification, correct the mistake after, when you decide to take part of the insurance from the insurance company. If the contract contains clauses that allow the company not to pay you insurance premiums when the loan is closed ahead of schedule, then it will definitely use this. It is unprofitable to enter into a duel with insurers under such conditions. You will waste a lot of time and win if you find a very dodgy lawyer who can find a breach in the contract. But in some forces, even the most crafty lawyers are unable to sue the percentage of the insurance amount you want.

The representative of the Consumer Rights Society explains about the return of illegally imposed loan insurance:

What points to mention in the statement of claim:

• Be sure to indicate Art. 958 of the Civil Code of the Russian Federation, which indicates the possibility of breaking the insurance contract in the absence of the possibility of an insured event. Wherein important fact is the fact that the termination of the contract occurs due to a circumstance not specified in the contract as an insured event.
• 32 Art. Law of the Russian Federation that guards consumer rights and allows consumers to refuse services that have become unnecessary for him (provided that you reimbursed the contractor for all the expenses actually incurred by him that were necessary to fulfill the obligations assumed).

Be sure to attach a document in the following format as an additional argument:

• In the body of the document, write that all the obligations assumed by you under the loan agreement with such and such a registration number have already been fulfilled by you on such and such a date.
• Fulfillment of obligations serves as the basis for terminating the insurance contract, since there is no possibility of an insured event occurring. Its non-occurrence is also evidenced by the fact that the insurance company did not need to fulfill its obligations to the bank in which the borrower (such and such) took out a loan, so the applicant fulfilled his obligations in full.
• Considering the fact that the loan is repaid before the date specified in the loan agreement, today we have that the sum insured is zero. Based on this, I ask you to oblige the defendant to return the amount in this amount.

Before serving statement of claim, first notify the insurance company about your desire to receive a part of the insurance, indicating as a basis the early repayment of the loan with which it insured.

Having decided that the insurance company owes you a certain amount, find out the amount of the debt. If you need to pay any costs to get justice done, make sure that they are less than the portion of your loan insurance you want. Otherwise, is it worth starting a litigation if it will not bring you any benefits even if the case is won?

The form of the contract you signed with the insurance company deserves no less attention. If the document says in black and white that the termination of the loan is not the basis for the payment of the remainder of the insurance, then you do not have an instrument to influence the insurers. Unless you can prove that the insurance contract was signed under duress by an official company. But last argument will be useful only in the case when a loan was issued, the issuance of which is possible without signing insurance. For those who took a mortgage, car loan, this loophole cannot be used.

Good luck in the fight for justice and do not take hasty steps when dealing with slip documents.

Get acquainted with each clause of the agreement, ask for advice from experts you trust.

Better to delay signing a contract and seek advice on an embarrassing issue than recklessly into a financial loop.

Quite often, banks, together with a loan, draw up an insurance contract for the borrower, arguing that the chances of getting money from the bank are much higher. However, this is not at all a prerequisite receiving a consumer loan, the client must make a decision on its need voluntarily. If the client succumbed to the persuasion of employees and issued an insurance policy, he has the right to refuse it. In addition, in some cases, the funds are subject to return after the payment of the loan debt. Our article will help you find answers to questions about insurance, and, of course, will give an answer to what is relevant for many borrowers: how to return insurance after early repayment of the loan?

Is it possible to return the insurance after the loan is repaid?

If you took out a loan, and together with it decided to insure your life or health, then the insurance contract will be valid for the duration of the loan. For example, if you took out a loan for one year, then you will be insured only during this period. If the borrower pays the debt with the payments specified in the agreement, i.e. without ahead of schedule, then after the last payment is made, the loan agreement will close, and with it the insurance will end. You will not be able to return the funds after the loan is repaid according to the agreement - its validity period has expired.

To receive at least a portion of your insurance payments, you have two options:

1. Repay the loan ahead of schedule and return the money for the period for which the term of the loan agreement was reduced.
2. Refuse insurance during the validity period of the loan.

How to return insurance after full loan repayment?

Refund money for insurance when full repayment the loan is impossible, since it was issued for the period of the loan agreement, and if it is paid on time, and not ahead of schedule, then it will not be possible to return either fully or partially the insurance payments - the only option is to try to prove that the insurance imposed against your will.

In order to return funds for insurance in full or at least part of it, you must refuse it even during the period of the loan agreement. If you notify the insurance company no later than a month after its registration, you have a chance to get back almost its full value (net of tax). If the refusal is made later, return, in best case, you can no more than 50%.

Is it possible to return the insurance after early repayment of the loan?

But it is quite possible to return money for insurance payments in case of early repayment. Moreover, it is your legal right, since the insurance was issued for the same period as the loan was issued, but since you paid it off ahead of schedule, the insurance contract still continues, but you no longer need it.

To receive a refund, you need:

• draw up an application to the insurer company and deliver it to the appropriate coordinates;
• attach documents to the application that confirm early payment credit debt;
• provide the insurance company with the details to which you should transfer the refund amount.

Usually, the applications are considered by employees for about two weeks, after which a decision is made to reimburse the money or refuse it.

If the borrower believes that the refusal of the insurance company is unjustified and unlawful, he should go to court, the prosecutor's office, the Central Bank or Rospotrebnadzor - they are obliged to figure it out, and if you were refused illegally, justice will be restored.

Conditions in Sberbank

Is it possible to return the insurance after the loan is repaid at Sberbank? Yes, it is possible, but only in the case of full early repayment, and even then, if it is not prohibited by the terms of the agreement. To do this, you need to contact the office of SK Insurance (this is the company that Sberbank cooperates with) and draw up an application for a refund. Add early closing certificates to your application.
If it is not possible to personally visit the insurer's office, you can send the documents by registered mail.

Conditions at VTB 24

Is it possible to return the insurance after the loan is repaid at VTB24? Often VTB24 offers clients to sign an insurance contract for 2-3 years, arguing that the overpayment will be much less. However, such insurance is beneficial when taking out a mortgage loan, when you are sure that the mortgage will not be repaid before this period, and the collateral, according to the law, is subject to compulsory insurance. It is better not to apply for a consumer loan, because it is unlikely that you will pay a loan for so long, say, for a refrigerator or washing machine.

At VTB 24, the borrower can either refuse insurance even before the loan is fully repaid, or in case of early repayment, submit all required documents to the insurer's office.

How to return insurance after repayment of a loan at Home Credit, Renaissance and Alfa Bank?

At the time of early repayment of the loan, you have the right to partially return the insurance paid in advance. You will learn about the calculation of the amount of payment and the nuances of the return of insurance payments from the article.

How to repay a loan early

You have the right to pay off part or all of the debt. In any case, this will reduce your financial burden and reduce the amount of overpayments. If you repay the debt in full, the bank will terminate the loan agreement, relieving you of any obligations. In case of partial repayment, the creditor will recalculate the payment schedule, the amount of debt will decrease.

In case of early repayment of the loan, you will need:

1. Study the terms of the loan agreement regarding the return of borrowed funds. Banks often require notifying them of such an intention in advance.
2. Visit the bank branch and draw up an application in duplicate, indicating the date of loan repayment and the amount. One copy should be given to an employee. On the second, yours, they must put a mark on the acceptance of the document.
3. At the specified time, contact the bank and deposit to the credit account required amount... In case of full repayment, check the balance of the debt with a specialist.
4. In case of partial repayment, request a recalculated payment schedule. It must be drawn up as an additional agreement and signed by the lender.
5. When returning the entire amount, ask the bank for a certificate of closing the credit account.

How to return insurance in case of early repayment

If in the process of obtaining a loan you bought insurance, then it is worth trying to return the funds deposited in advance. After full repayment of the loan, contact the insurance company with the documents:

• a photocopy of the loan agreement;
• passport;
• a certificate from the creditor on the full repayment of the debt;
• a statement issued in the name of the director of the company on the premature termination of the insurance policy and the return of part of the insurance premium.

Please note that the agency has the right not to return money if the borrower pays the loan ahead of time, when no other options are specified in the agreement. Therefore, if you receive a refusal, look for a competent lawyer. He may exploit some loopholes by referencing:

• on the wording of the loan agreement, which states that the insurance contract is concluded for the term of the loan;
• the fact that there are no risks of an insured event;
• on the imposition of insurance by the bank, etc.

If the actions of a lawyer do not give a result, you have the right to go to court. You can increase the chances of success by studying the terms of the insurance contract when receiving a loan. Make sure that the procedure for returning the award is described in detail in the rules.

How insurance is calculated for early loan repayment

The sum insured is charged according to two schemes:

1. For the loan balance - the level of insurance decreases annually.
2. On full size loan - the premium does not depend on the residual amount.

It is convenient to consider the calculation of insurance compensation using an example: you have issued a loan in the amount of 200 thousand rubles. for a period of 5 years. The annual insurance premium is 1%.

1. The first method of calculation.

When applying for a loan, they took 6880 rubles from you. as an insurance premium. By distributing this amount over the years in relation to the balance of the credit debt, you will receive:

If you repaid the loan in 2 years, then the insurer must pay you compensation for the remaining period: 1440 + 1060 + 620 \u003d 3120 rubles.

2. The second method of calculation.

• When applying for a loan, they took insurance from you in the amount of 200,000 * 1% * 5 years \u003d 10,000 rubles.
• You paid off the debt in 2 years and 5 months.
• The amount of insurance to be returned will be 10,000/60 months * 31 months \u003d 5167 rubles.

Is it possible to return the insurance after the loan is repaid, and if so, how to do it? This is not an easy question. Like everything related to banks and the financial sector.

Many experts advise to first determine the conditions on which the contract was concluded. The bank itself does not have the right to act as an insured, but only as an intermediary. The insurance contract itself is signed by you, i.e. the borrower, as well as a specialized company. Several important conditions should be spelled out in the document itself:

1. A citizen agrees to purchase a service not under pressure, but independently;
2. the cost of the service must always be stated;
3. the procedure for paying contributions (they can be charged in a lump sum or be monthly payments);
4. sometimes it is additionally prescribed that all contributions are required to be paid in the event of early repayment of the loan.

How to return insurance after loan repayment and not drag yourself into yet big problems? In principle, the termination of the contract, which we wrote about above, is not a particularly difficult procedure. And the very fact of termination of relations with a specialized company is far from the main thing. The main thing is the return of the deposited amount of funds. According to experts, there are three options for the development of events in this case.

Option 1 - refusal to refund

This option happens most often. The majority of clients are refused. In most contracts, especially important conditions always written in small print. They contain information that the company frees itself from the return of funds, protecting the client during the use of the loan.

To get the money back, you must immediately use the services of experienced lawyers, because on your own you will not be able to achieve the desired result.

Option 2 - partial refund

Such a development of events is possible in the event that more than 6 months have passed since the conclusion of the contract. Insurers will insist that most of the funds were spent on administrative support. If the amounts are very large, you can request a printout of the costs incurred. This will allow you to achieve the maximum reimbursement of the amount. Most often, in such situations, you have to go to court.

Option 3 - full refund

This outcome is possible if the loan was repaid within 1-2 months after its registration. IN in this case you do not need to go to court, as a specialized company simply will not have arguments as to where they "could" spend part of the funds deposited.

Consumer loan repayment

How to return insurance after loan repayment if you have taken out a consumer loan? Today banks often use the inexperience and ignorance of their customers, persuading them to sign such an agreement. This is optional. Therefore, we advise you to avoid an unpleasant outcome in advance by carefully rereading your contract. If you were inattentive at the very beginning, then you will find one of two ways to exit.

Method 1: you can put up with it and stay insured.

Method 2: you can withdraw from the completed contract. For this, a corresponding statement is written, with which you go to the bank or company, demanding a refund. When you are denied, you file a claim for Rospotrebnadzor or the court. Assess your chances sensibly, because you will need to pay all legal costs yourself.

Early repayment refund

If you repay the loan ahead of schedule, and the signed agreement is still valid, you, as the borrower, have every right to withdraw the balance. So how to return the insurance after early repayment of the loan, based on our financial realities?

If your loan was repaid in advance, you can simply stop depositing funds, then the contract will be closed automatically. To avoid the accrual of fines and penalties, review the part of the contract that sets out your obligations. First, of course, you write a statement and contact the company with it. Together with the application, you also submit:

1. The passport;
2. a copy of the loan agreement;
3. a certificate from a financial institution on the full repayment of the loan.

The application itself must be written in the name of the head of the company. It mentions the early termination of the signed contract and the return of part of the premium. Such early termination is possible under the following conditions:

• Termination of the business by the company and if the policy covered all the risks that are associated with the conduct of such business;
• expiration of the contract;
• death of a citizen for whom the policy itself was issued.

If such items do not fall under the occurrence of an insured event, then the company returns you only a fraction of the loan amount.

The main mistake most borrowers make is that they go to the bank, not the insurer. This is justified only if insurance is one of the services from the bank's service package. In other situations, if you plan to return all contributions, it is better not to contact the bank.

The lending business and the financial security associated with it have many nuances. To avoid problems and protect yourself from fraud, we advise you to carefully re-read the contract. If you are not confident in your abilities, seek the advice of an experienced lawyer or notary. This will avoid senseless overpayments, as well as litigation.

Useful video on the topic:

The return of insurance premiums on a loan is very actual topic for many borrowers who are faced with unfair imposition of a policy (or several policies) when applying for a loan.

At the time of registration, all thoughts are occupied with the upcoming fulfillment of the goal for which the loan is being issued. Taking advantage of the scattered attention and the urgent need of the client for money, the bank representatives openly or vice versa, without warning, impose an additional insurance service on the loan (life, health, property, etc.). When the borrower finally finds time for a full study of the papers, he is shocked by the amount by which the loan has increased, and the contract contains a handwritten signature of agreement with the terms. What to do? How to get insurance for a loan back?

Is credit insurance mandatory in 2017?

All other banks are subject to an internal order, according to which the permission of the head must be asked for an "empty" loan. As a result, the client is informed that “insurance is required in our bank”, “they will not approve without it”, etc.

Is it legal?

Not. According to the Law on the Protection of Consumer Rights, the seller (in our case, the bank) does not have the right to restrict the purchase of one product by the need to purchase a second product. In other words, insurance should be a voluntary decision of the borrower.

However, almost all banks violate this law, because the client has no choice and he signs all the papers, automatically agreeing to insurance. The fact of imposing is very difficult to prove in court, so consumers prefer to silently pay and do not even try to find out how to return the insurance on the loan.

The only exception is when consumer credit Sberbank (and others), insurance is required - this is the registration of a mortgage (the pledge is insured). Therefore, let's say right away - the return of mortgage insurance is not possible, since it is provided in advance by the terms of the pledge.

But, please note: you must only insure property! Nobody has the right to oblige you to insure life and health! (Article 935 of the Civil Code of the Russian Federation: "the obligation of life and health insurance cannot be imposed on a citizen by law")

How do I get my loan insurance?

Consider Loan Insurance individuals - how to get money back for imposed insurance? First of all, it all depends on the moment of your request:

• In the first 5 days;
• More than 5 days during the loan term;
• At the end of the loan agreement.

Let's tell you more about each option.

Loan insurance reimbursement within 5 days

The state is aware of what is happening in the banks, so it helped borrowers a little by issuing a new law called the "Cooling Period". On June 1, 2016, the instruction under the number 3854-U entered into force, which describes the procedure for voluntary insurance and provides for the possibility of refusing the imposed service within 5 days (this period was called "cooling").

Thanks to this Decree, the return of insurance on a loan to Sovcombank, Renaissance and all other banks became possible.

There were some exceptions. Sberbank quickly realized that with the new law its subsidiary Sberbank Insurance would be in trouble, and was the first on the market to figure out how to get around the new conditions. Insurance products have been redesigned for "collective insurance", which is not covered by the law. Be careful! By signing such a policy, you will no longer be able to return it!

Insurance refund after 5 days

Insurance is a contract for the provision of a specific service. Any contract can be terminated. The terms of termination are another matter, and they are individual in each insurance company.

For example, it is possible to return insurance for a loan in Home Credit (CSK company) for unused time, but it will not be possible to return insurance for a loan in Renaissance (Renaissance Life) - this company has the item “ Insurance premium is not refundable upon termination of the contract. "

Each insurance company has its own conditions. Before finding out how to return insurance for a loan, for example, at OTP bank, find out which company issued the policy.

Getting insurance after the loan is paid

Many people wonder - is it possible to return the insurance after the loan is repaid? The idea itself is not accidental, since some banks previously offered such a condition: if you repay the loan ahead of schedule, the insurance will be returned (or paid on time, but without delay). But - there are no such conditions for a long time.

The return of the insured amount in case of early repayment of the loan is possible only on the basis of termination of the contract (if the contract provides for compensation for the unused period).

Where to go to make a loan insurance return?

Alfa Bank, for example, works with its own insurance company, Alfa Insurance, like Sberbank. In such cases, you can contact the offices of banks (there is always a representative of the insurance company in the staff).

If the bank has sold the services to a third party, you will deal directly with it.

Open your insurance policy (it must be attached to the loan agreement) - it contains the details of the company and its contacts. Send by letter, fax or by email return request and expect a response within 10-14 days.

How much will be returned?

Again - everything is individual:

• If you managed to keep within 5 days - almost 100%, minus small amount during these 1-5 days;
• If the contract included the item "Remuneration to the intermediary", the amount of the insurance premium per calculation will decrease by this figure (as a rule, the bank takes about 20% for the policy and does not return them);
• Terms of the contract: for each policy, an insurance contract must be drawn up, which contains a clause - how to return the insurance.
• By mortgage loan perhaps it is not worth giving up insurance at all, since the bank will add 1-2% per annum to the loan.