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Insurers stopped returning funds in case of early repayment of loans

Insurers stopped returning funds in case of early repayment of loans

However, bank employees impose insurance services even for products, which do not require registration. Often, according to the documents, insurance is not associated with a loan., together with which it was sold to the client.

Insurance companies are increasingly refusing to refund part of the insurance premium to customers in case of early repayment of the loan., says "Kommersant". According to him, Russians faced such difficulties, insured loans in IC SOGAZ, "AlfaInsurance-Life", "Consent-Vita" and some other insurers. Experts indicate, that formally it can correspond to the letter of the contract.

When in the spring the Russians began to massively withdraw funds from deposits, part of them they directed to early repayment of loans, indicates independent expert Andrei Barkhota. At the same time, insurers do not return part of the premium., as often insurance, which the bank presented as mandatory when obtaining a loan, within the meaning of the insurance contract is not tied to it.

In this case, you can get a refund, if you prove in court the fact of misselling or the imposition of insurance services, Andrey Lyamzin, lawyer at Sphere of Protection JSB explained. For this, negotiations with the bank in writing or an audio recording of the conversation with its representative will be useful.. Penalties should be increased for such violations., so that the imposition of services ceases to be attractive for banks, believes the head of the "Expert Center for Criminal Law Policy and Enforcement of Judicial Acts" Ekaterina Avdeeva.

The Central Bank has previously indicated, what if the insurance contract provides for different risks, only part of which was accepted as collateral for the loan, the insurer must still return part of the insurance premium in case of early repayment of the loan.

 

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