For many people, an unpleasant surprise when applying for a loan is the purchase insurance policy. Despite the fact that the law prohibits the imposition of related services, the recommendation to conclude an insurance contract is found in almost all banks. Few borrowers know how to return insurance on a Sberbank loan, this leads to a significant overpayment, since often the annual insurance premium about the same as a monthly payment.
None financial institution, including Sberbank, cannot force the borrower to take out insurance. Why, then, do managers claim the opposite, even to the point of promising to refuse a loan? The reason is that with its help, the bank is trying to reduce its risks by shifting them to insurance company. The more insurance an employee takes out credit department bank, the larger the premium will be. The possible return of insurance on a Sberbank loan has little effect on the profit of a financial institution, since in most cases the borrower does not make such a claim.
Sample statement of claim about the return of insurance
The availability of insurance can indeed influence the decision to grant a loan, but only if the assessment of the financial situation of the borrower is close to the limit. A candidate who has one or more of the following qualities will have no problem getting a loan:
However, it is not always possible to refuse insurance, sometimes this requirement is legislative, and the bank cannot provide a loan without it. This category includes loans for large amounts such as a mortgage or a car loan. In the first case, it is necessary to insure the property against accidents and fraud during the transaction, and in the second case, the safety of the car. Life and health insurance of the borrower or his workplace is exclusively voluntary.
Insurance is voluntary
Refusing to take out insurance does not make sense in all cases; loan conditions for an uninsured borrower can be much less favorable, and the amount of overpayment can exceed the amount of the insurance premium. In addition, he himself is responsible for the deterioration of his financial situation.
Sberbank quite rarely agrees to provide a loan subject to registration of only one type of insurance. In this situation, it is best to opt for a comprehensive insurance policy, since such a program is much cheaper. Usually the bank already has a partnership agreement, but the bank has no right to prohibit the client from choosing an insurance company, however, he can refuse to reduce the interest on the loan. It is desirable that payments can be made monthly, otherwise it will be difficult to deposit the amount immediately for the entire insurance period, so you will have to do this from credit funds on which interest is charged.
Is it possible to return insurance at Sberbank after the conclusion of the contract? Of course, but this procedure contains a number of features that must be taken into account. Before signing the agreement, you should carefully study it, and if you have questions, consult with a lawyer.
Practice shows that it is far from always worth counting on compensation: the contract may contain a special clause regulating such a situation. It is quite legal to prohibit the return of the insurance premium, in which case the only chance to receive part of the amount is to prove that the borrower was misled in the process of signing the contract. To do this in practice is incredibly difficult.
If there is no such item, then you can receive funds, but early repayment of the loan at Sberbank does not guarantee the return of insurance. The fact is that the insurance payment may not be fixed, but floating, when its amount depends on the amount of debt. In this case, the amount of the last payment will be extremely small, so it does not make sense to return it. When the payment amount is fixed, you can request a refund for the remaining period. True, if contributions were paid monthly, then the amount of payments will be small.
To do this, you must contact the insurance company, providing them with evidence of the absence of debt to a financial institution. There is also a peculiarity here: the loan is closed by the bank not at the time of the last payment, but after some time, for example, a month, so it will not be possible to immediately return the insurance.
In the case of Sberbank, the scheme for refusing insurance after the signing of the contract is quite effective. This is completely legal and does not adversely affect credit history borrower. The bank provides the opportunity to cancel insurance within 30 days from the date of signing the contract to do this, you need to contact the branch and submit an appropriate application.
Do Sberbank loan insurance return in such a situation? Yes, but not the full amount, only part of the fee will be returned, since for a certain time the client was still insured and could receive compensation. Consideration of the application can take a significant time (up to 30 days), so the amount paid as an insurance premium can be significant.
Cancellation of insurance only makes sense if: loan agreement provides exclusively fixed interest rate, and contains no penalties for the uninsured borrower. Otherwise termination of an insurance policy can lead to significant financial losses. The best solution would be to consult with a lawyer, on the contrary, it is better not to trust bank employees, because all the information is provided by them orally, which means they are not evidence.
If the employees of the bank branch behave inappropriately, then you can complain to them on hotline bank, usually this has an effect. If such a step did not help, then you can write a complaint to Rospotrebnadzor and the Inspectorate for the Protection of Consumer Rights, but this should be done only if you are completely sure that you are right.
It is almost impossible to return the insurance after paying the loan according to the schedule, since the insurance policy was calculated exactly for this period, respectively, the service has already been provided. The only chance is to find flaws in the contract, but since Sberbank only cooperates with large insurance companies, this is out of the question. Hiring a lawyer will only result in a waste of money.
There is still a situation where you can return insurance. The insurance policy can be declared invalid and a refund of the premium can be demanded if the likelihood of occurrence insured event disappeared. An example of such a situation is title insurance: the term for contesting real estate transactions expires 3 years after the signing of the contract, so there is no point in taking out insurance for a longer period. However, Sberbank does not try to artificially increase the term of insurance, especially since it is not he who receives contributions from the client, but the insurance company, so such terms of the contract can only be a mistake. In this case, it is not necessary to sue, it is better to first contact the bank branch.
Unfortunately, Sberbank does not guarantee the return of insurance after paying off the loan, and besides, trying to do this is far from always profitable. If the case goes to court, the claimant will be required to pay costs and fees, which may exceed the refunded premium. In addition, there is no guarantee of receiving payments, Sberbank has a staff of qualified lawyers, so it will not be easy to win a lawsuit.
Some programs require life insurance. And even in cases where this procedure is voluntary, bank employees recommend taking out an insurance policy to increase the chances of obtaining a loan. Consider what the policy gives, when it is worth getting it, and under what conditions it is possible to return the insurance after paying off a loan at Sberbank.
The insurance procedure is carried out within the framework of special project from a subsidiary - Sberbank Insurance. The policy is issued for:
The list of risks for mortgage loans has been expanded and includes additional items:
You should not wait for the manager who takes loans to tell you about the return of insurance. Knowing about this possibility, you should deal with this issue on your own, having previously received complete information. The procedure is as follows:
The insurance is valid for 12 months, but it can be extended. If a mortgage loan is granted, the policy can be extended many times. If more than six months have passed, the insurance can no longer be returned.
Reading 10 min. Views 140 Published on 06.10.2018
Even at the stage of registration and submission of a preliminary application for lending, future borrowers are faced with strong recommendations from loan managers on the conclusion of insurance contracts. Moreover, potential borrowers are also warned about possible failure bank in case of cancellation of insurance. You should not immediately accuse Sberbank employees of exceeding their authority - after all, there are some types of loans where insurance must be present.
There is also a refund option. All the nuances of insurance and how to return insurance on a Sberbank loan after receiving a loan should be known to all clients who are aimed at obtaining a loan. After all, this practice is provided for by the current legislation and has long been worked out by Sberbank.
The current legislation provides for the return of insurance after receiving a loanDespite the existing and rather negative attitude of borrowers to additional costs, insurance has benefits and is quite significant. After all, the insurance policy guarantees a full repayment of the loan in the event that the client, for some reason, cannot continue to pay for it. This is especially true for long-term loans.
An insurance policy issued for a loan guarantees the full repayment of the loan in accordance with the established payment schedule.
Sberbank implements several lines of insurance. In particular:
Once the borrower has expressed a desire to take out an insurance policy, in the future he has two options further action. They are the following:
Before deciding which option to use next, it is worthwhile to soberly assess the situation. With long-term and large loans, it is better to keep insurance in order to protect yourself from force majeure. Well, in other situations, it is allowed to pick up insurance on a loan from Sberbank.
Before a full loan issuance, each borrower should first find out all the details of the agreement. In particular, the conditions for the return of loans.
General loan insurance repayment plan To ensure that the return of insurance on a Sberbank loan is not accompanied by misunderstanding and problems, it is worth knowing the nuances and situations when money is returned in accordance with applicable law. In particular, when concluding mortgage lending, the issuance of the policy is fixed at the Federal level. Mortgage property must be insured. But personal insurance is optional.
When taking a consumer loan, the lender bank has no right to demand insurance of the loan and the borrower himself. It is up to the client to decide whether or not to take out insurance. It is also worth remembering that when taking a mortgage loan, the need for a policy disappears if the debt is paid off ahead of schedule. The payer should use the right to return it.
It must be understood that the lender bank has the right to set the rules in approving the loan. Therefore, when a client refuses insurance, a refusal to obtain a loan is often received.
But the borrower has the right to return the insurance immediately after the consent of the creditor bank. This right is governed by applicable law..
In the event that the return of insurance on a consumer loan from Sberbank is rejected by the lender, the client has every right to file a lawsuit with the courts. Since such a decision is invalid. To return the insurance payment, the borrower should know and understand all the nuances of such a procedure.
The legislation does not establish the exact amount of funds returned under credit insurance. Each case is considered in individually, and the final cost of the return is formed on the basis of various indicators. But there is also general rules concerning the amount of money returned. They depend on the period when the client applies for a refund.
We can only tentatively estimate the amount that can be returned:
What to look for when returning insurance It is worth knowing that the amount of return will depend directly on the cost of the entire loan. The higher the loan amount, the higher the insurance costs, respectively. For example, with a borrowed line worth 1.5 million rubles, the borrower will have to pay an annual amount of 37–40,000 for the policy. The amount is quite impressive. The amount of the refund will also depend on the period during which the borrower applied for a refund.. For example:
Knowing about the existing rules on the return of the insurance part of the loan, it makes no sense for borrowers to refuse the policy when applying for a loan. This increases your chances of getting approved for a loan. Also, if there is a policy, the borrower provides himself with a loan for favorable conditions, including those with lower interest per annum.
When submitting an application within up to 2 weeks from the date of registration of the loan, the return of insurance occurs in 100% volume At the very beginning of lending (up to 5 days), to return the insurance money, you just need to make the required application. It is drawn up in accordance with all the rules established by the bank and is accompanied by a package of documentation. But the main document required to receive insurance funds is an application. A document is drawn up in accordance with the established requirements and submitted to the insurer.
When submitting an application for the return of insurance funds, experts strongly recommend enlisting another application - a duplicate, on which a note on the date of receipt of the application is required.
Insurers are extremely reluctant to return money. Therefore, this duplicate will serve as a valid reason if it becomes necessary to claim insurance through the courts. You will have to apply there if after 10 days there is no response from the insurance company.
In addition to the application, insurers also need to provide a package of documentation. The standard list consists of the following papers (photocopies are attached to the application):
When writing this paper, you should focus on the accepted sample. Filling out such a document must be approached responsibly, taking into account all existing requirements. An application is made according to the following rules:
Sample letter to an insurance company If the reason for the return of the insurance part of the loan is its early repayment, then the procedure is similar to the standard application of the borrower. But there are some nuances that you should be aware of. In particular:
Whether or not to bother with this type of refund depends on the unused period of insurance. Sometimes this time is so short that it simply does not make sense and expediency to return the insurance part.
The entire procedure for the return of insurance payments goes through the following steps:
Under current law, the imposition of insurance is prohibited to judicial or supervisory authorities you should also apply in case of receiving an official refusal to return insurance payments. According to surveys of borrowers, the most effective are applications to:
According to the current legislation of Russia, borrowers, when applying for consumer loans, have the full right to refuse to issue an insurance policy. But, if preferential interest is at stake, it makes sense to take out insurance and cancel it within a five-day period after receiving approval for a loan. At the same time, he returned the full amount of payments.
When drawing up an application for the return of insurance, as well as when explaining your desire to cancel the policy, it is worth knowing and operating with the laws in force.
These are such articles of the Federal Law "Protection of Consumer Rights" as:
It is also worth knowing Article 359 of the Labor Code of the Russian Federation, which regulates the full return of interest if the insurance company evades its obligations and refuses to legally return funds. And Article 1102 allows borrowers to demand a full refund of the money paid for the policy if the lender bank keeps the payment for insurance as a commission.
When taking a loan, the borrower in any case will have to face the bank's offer to take an insurance policy. But it is worth knowing that not all types of loans provide for the mandatory execution of a policy. It is worth knowing about your rights and being able to use legal knowledge. And in particular the possibility of a full refund of insurance funds. Subject to applying for them within five days after signing the loan agreement.
Even when submitting a request, potential borrowers are faced with the fact that a bank employee strongly recommends purchasing insurance when receiving borrowed funds. The borrower is warned about the high probability of rejection of the application. You should not immediately accuse bank employees of exceeding their authority, as some loan products require the issuance of a policy. Returning insurance for a loan at Sberbank is a standard practice used legally, subject to certain circumstances. You should understand the process of how and when the company returns the amounts previously paid.
Faced with persistent recommendations for insurance services, the client, who intends to increase the chances of approval of financing, prefers to accept additional costs. Moreover, the current legislation provides for the right to refuse purchased services with a refund of the transferred amount. In order to know in what cases it is possible to return insurance and with what amount the client will receive a refund, they proceed from the provisions of federal law, paragraphs of the Civil Code, as well as the provisions of an agreement concluded with financial institution agreements.
Despite the negative attitude towards additional costs when applying for a loan, in some cases insurance payment is of great benefit, as it saves the client from serious financial problems and unpleasant proceedings with the bank, when the life situation does not allow further timely repayment of the loan in accordance with the schedule and in full.
For Sberbank, credit insurance entails many advantages, allowing you to ensure payments even in unforeseen situations:
Sberbank implements several insurance programs on the basis of lending:
You should learn to distinguish between cases when a policy is an essential requirement when applying for a loan, and when the law exempts from this need.
At the federal level, the obligation to draw up a mortgage insurance contract is fixed. Since the bank needs collateral, the purchased property must be insured. Personal insurance is considered an additional benefit, but not an obligation of the borrower.
If Sberbank issues consumer credit, he cannot demand an insurance policy from the borrower, reserving the right to refuse financing to a citizen or increase the rate, protecting himself from the risk of default.
It is important to remember that even in the case of a mortgage, the service of insurers becomes optional as soon as the repayment period of the credit line has ended. Thus, credit insurance has a limited validity period - when the debt is completely closed, the need for a policy disappears.
If the creditor refused the borrower who rejected the insistent offer to insure, citizens have the right to file a lawsuit in court. However, the likelihood of obtaining a positive verdict is doubtful, since it is rather difficult to prove the fact that the reason for the refusal was the unwillingness to insure. The lender has the right to make a decision on cooperation with a particular client at its own discretion, without informing about the reasons for making a particular decision.
On the other hand, the borrower has the right to cancel the policy immediately after the bank has announced its consent to the loan.
After the borrower has indicated his consent to insure by taking a loan, citizens have two options:
In some cases, when there is a high probability of a deterioration in the client's situation, it makes sense to keep the policy unchanged, since the company pays compensation when an insured event occurs. However, if the reason for registration is caused solely by the perseverance of bank employees, the contract can be canceled using the right enshrined in federal law.
Before signing, it is necessary to familiarize yourself with the conditions under which the client can use the insurance taken or return the funds paid for it. 
Despite the fact that Sberbank works with more than 30 insurers, the lender is primarily interested in promoting the services of its subsidiary, Sberbank Insurance. As a rule, tariffs for services will approximately coincide, differing only in types of insurance and the likelihood of risks. For example, if the client is engaged in life-threatening activities, life insurance will be carried out at a higher rate.
In most cases, the cost of services will amount to 0.3–4.0% of the loan debt for 1 year of the contract. If insurance is issued for loans for 5 years, the need for renewal remains throughout this period.
The law does not establish what the refund of compensation will be, since each insurance contract is considered individually, and the price is calculated based on many indicators. Nevertheless, there is a certain rule according to which the share of the cost returned to the client is calculated based on how quickly the client declares a refusal and how long he used the services of the company.
You can estimate the amount of the return of insurance on a loan at Sberbank, focusing on the average cost of the client:
Sberbank Insurance has the following rates, based on the risks included in the contract:
The larger the loan amount, the higher the cost of the policy. A simple calculation allows you to determine that with a credit line of 2 million rubles, with an independent choice of risks, the borrower will have to spend 50 thousand rubles annually. In view of significant expenses, the question of how to return insurance on a Sberbank loan is relevant when insurance is no longer needed and the client intends to return the funds spent.
Depending on how long you apply for termination, the amount of funds received back will vary:
Thanks to the Directive issued by the Central Bank, the procedure for returning insurance from a loan at Sberbank has become easier. From 06/01/2016, a "cooling period" was introduced in the insurance, which allows you to cancel the insurance with a full refund, if you inform about your intentions within 5 days after registration. Reimbursement occurs no later than 10 days after the submission of the application to the insurer. The only condition under which a refusal with a full refund of the cost is really possible is the individual execution of the policy.
Thus, when agreeing on the terms of issuing a loan, it now makes no sense to refuse insurance services if the approval of the bank depends on them. It is enough to contact the branch within the period established by the Central Bank and return the funds paid earlier in full. For the client, agreement with insurance significantly increases the chances of lending, and provides the most favorable interest rate. After the loan is issued, the client will be able to quickly issue a refusal additional services provided on an individual basis.
With targeted financing for the purchase of real estate, the borrower is required by law to insure the collateral object, so it will not be possible to refuse such insurance without serious consequences on the part of the bank.
If the borrower for some reason did not have time to exercise his right to withdraw the insurance, it is possible to obtain a refund within the next two weeks.
The right to a refund within 14 days after the purchase of the policy applies to all customers of Sberbank, as specified in the current version of the agreement. Previously given term was a 30-day period, but assumed a 13 percent deduction from the amount paid as compensation for the services of a financial institution.
According to the provisions of clause 4.1.2. of the loan agreement, in case of an unsigned agreement, the funds transferred as part of the connection to insurance are subject to a full refund at a later period. It is difficult to imagine a situation where funds are transferred without signing an agreement, so it is almost impossible to achieve a full refund of the amount after the expiration of a 2-week period.
Actions to return the amount paid will depend on the circumstances in which the client refused the services of the company: 
At the beginning of the loan period, it is quite simple to issue a refund - a properly executed application and submitted to the branch is enough. At the end of the loan, it is necessary to submit additional papers that give grounds to demand partial compensation.
The main document required from the borrower in such situations is an application. It is compiled in accordance with accepted requirements and transferred to the department, accompanied by a certain list of related documentation.
It is possible that the insurer will refuse to transfer funds back to the client. In this case, you should enlist an additional application form, on which there will be a mark on the acceptance of the paper for consideration, with a further request for a written official response. If there is no response within a 10-day period, the borrower has the right to send a pre-trial claim to the bank. The success of the event depends entirely on the existence of a legal right to return and the correct building of a behavior strategy.
It is possible to implement the return of insurance after paying off a loan at Sberbank on the basis of an application and the submitted applications. Add to list necessary documentation includes personal papers of the insured, as well as documents confirming the existence of grounds for presenting a claim for a refund.
To make an application for the return of insurance on a loan, you will need data from the main documents of the insured, photocopies of which are then attached to the official request. 
The standard list of applications in 2018 includes:
Since it is important for the borrower to have confirmation of the timely acceptance of the application for consideration, it is recommended to transfer the application personally to the employee at the branch. On the second copy, a mark is placed on the transfer of the document to the bank. Starting from the date of notification of the refusal of services, the insurer is obliged to respond within 10 days and report on the decision made.
You should also indicate how best for the insurer to communicate with the client, indicating the postal address and other contact information.
It is important to remember that the application will not be valid if the client does not sign the document with a transcript and the date of compilation.
If the reason for revoking insurance is the early repayment of a loan at Sberbank, the registration procedure differs little from the client’s standard request for reimbursement, however, there are some nuances:
The relevance of the request directly depends on how long the unused period of validity of the insurance is. If there is very little left before the end of the annual policy, you should think about the economic feasibility of agreeing with the insurer on the possibility of returning your money for insurance. 
The absence of a response or refusal to pay within the established time frame gives grounds to apply to the supervisory and judicial authorities. The most effective way to file a complaint against an insurer is to central bank Russian Federation, prosecutor's office, court. Additionally, you can complain about illegal actions to Rospotrebnadzor. As a rule, one mention of the intention to apply to the CBR with a complaint about a violation of the law is enough to resolve the issue of payment in favor of the client.
Returning to the issue of mandatory insurance services imposed by Sberbank when applying for a loan, it is necessary to remember the illegality this requirement for programs personal insurance, not affecting property interests with directed lending. This behavior is a gross violation of Art. 958 of the Civil Code, which establishes a ban on the imposition of any voluntary services in the process of granting loans.
Unlike consumer programs, a mortgage loan, on the contrary, is issued with the obligatory registration of insurance for collateral. When determining your right to refuse insurance, you must be guided by which type of loan was issued.
Thus, in the absence of intentions to issue additional security for a loan, citizens have every right to declare their disagreement with insurance. If there is a risk that the bank will refuse to finance, the borrower can connect insurance services with the condition of further refusal after signing an agreement with the lender. According to the instructions of the Central Bank on the operation of the "cooling period", the client of a financial institution can issue a return of insurance on a Sberbank loan and return the full amount.
The following information will help you receive funds for unused insurance when repaying a loan at Sberbank: 
When faced with the offer of Sberbank to take out insurance, you should understand whether it is really this insurance required or offered as collateral for the loan. If there is a risk of refusal to issue funds, insurance should not be ruled out - after concluding an agreement with a credit institution, the borrower will be able to receive the previously paid insurance amount within two weeks as part of the exercise of rights during the “cooling off period”.
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The return of insurance on a Sberbank loan can be carried out within 14 days from the date of joining the insurance program upon a written application of the client submitted to the branch of the bank where the loan was issued. It is this regulation for the return of money on insurance that Sberbank designated in its lending conditions.
It is recommended not to collect documents and submit applications yourself, but to contact trusted offices that do this for sure when the borrower applies within 14 days.
Credit insurance is a standard product that banks do their best to impose on a client when applying for a loan, whether it is a consumer or secured loan, a commodity loan, a mortgage, etc. Depending on the chosen insurance package, the client may not worry about payments to the creditor in case of loss of work, health, etc. In this case, the insurance organization with which he has concluded the corresponding contract will answer for the client's credit obligations.
It is clear that the price of insurance will depend on various factors. Much here depends on the purpose of the insurance package. There are several of them:
Sberbank cooperates with more than 30 different insurance organizations, but first imposes on customers the services of a subsidiary called Sberbank Insurance. It is important that the client can choose any other company he considers necessary. The cost of services of this company depends on the type of insurance:
The loan insurance term will be proportional to the term of the loan agreement. If you received a loan for 10 years, then insurance will be provided for 10 years.
Sberbank issues a loan without insurance, but the borrower will have to try very hard to refuse insurance and get a positive decision. Usually, ordinary bank specialists who apply for a loan in the office insist on obtaining insurance for the loan. They literally state that the bank will refuse a loan if insurance is not connected. This is not entirely true.
In most cases, such “tales” were invented by the employees themselves, because for each insurance they take out, they receive a bonus to their salary, which varies from 1 to several thousand rubles for different loans.
However, there is still a grain of truth here. Sberbank is indeed more loyal to customers who have connected the insurance program when applying for a loan.
Sberbank operates under a collective insurance program for clients. The program provides for the borrower's accession to collective insurance, under which the parties to the transaction are Sberbank and Sberbank Insurance (a subsidiary of the bank). Thanks to this, the client “saves” time on contacting the office of the insurer. If an insured event occurs, he will need to apply to the same branch of Sberbank with a minimum package of documents, and not collect a pile of papers to apply to the insurance.
On the other hand, collective insurances do not have a 5-day cooling period, thanks to which you can easily return money from insurance of any bank. This possibility applies only to individual insurance contracts.
Another significant disadvantage of collective insurance is its high cost in comparison with individual insurance.
In the first case, the client pays the insurance at the usual rate, as in the case of individual insurance, and additionally pays a commission to the bank for connecting to the insurance program.
If an individual insurance contract were concluded, then the client would be the insured, and the same organization Sberbank Insurance would be the insurer. If the client at the stage of applying for a loan refused collective insurance and personally applied to Sberbank Life Insurance to sign an individual insurance contract, then the bank would not have been able to object to this, or change the terms of the loan. With the same success, the borrower can apply to any other insurance company accredited to banks. There are more than 30 of them, and a complete list can be obtained at any department.
Depending on the type of insurance, the borrower should focus on the dates:
You can also write an application for a refund of money paid for insurance after the expiration of any period, but Sberbank does not guarantee their return. The bank considers such applications on an individual basis and makes a decision based on various factors: the reason for the return of insurance, early repayment, etc.
As mentioned above, the bank gives the client a 14-day period from the date of joining the insurance program to return the money paid for insurance (previously this period was 30 days).
During this period of time, the client must contact the branch of Sberbank where the loan was issued, ask for the appropriate form to return the insurance. If the client drew up an individual insurance contract, then he would have to go to the insurance organization, and not to the bank branch. In the case of collective insurance, the borrower should apply exactly to the bank office where he concluded the loan agreement.
It is not allowed to send an application by Russian Post, via email or in any other way. The client must personally come to the bank branch. If the borrower has changed his city of residence, he must come to the place of his former presence and contact the office where he applied for the loan.
On the spot, the client needs to fill out an application form for the return of the insurance premium in two copies. One copy must be given to a bank employee, on the other, ask to indicate the date of acceptance, the signature of the employee and the seal of the bank. The second copy should be kept for yourself.
The client must have a passport and a loan agreement with him. Other documents are not required, since the bank has all the information on the borrower and his loan.
If the client has met the 14-day deadline, the bank cannot refuse the request to return the money for the insurance upon the application submitted through the branch. If the client violated the deadlines and submitted an application after the expiration of the specified period, then his application will be considered on an individual basis. The decision will be made based on consideration of the arguments that the client indicated in his application.
Often clients credit institution face complete arbitrariness in offices, where employees simply refuse to accept an application for the return of insurance within 14 days. In this case, the client should immediately invite a senior employee of this department to investigate.
If he also refuses to accept the application, the client needs to write a complaint in the Complaints and Suggestions book, which should be in each department. A similar complaint should be sent by e-mail to the Central Bank of the Russian Federation, contact Rospotrebnadzor with a statement about the violation of rights.
It would be useful to leave feedback on the actions of a particular employee indicating the branch number, full name of the employee, time of visiting the office and other important information on the Banki.ru website. Bank representatives constantly monitor the review pages and try to resolve disputes in favor of customers. There is no doubt that the bank will find a mistake in the actions of its employee and will accept the application, most likely, will consider it positively.
If you filed an application within 14 days, the bank is obliged to return the insurance in accordance with its own conditions. Judging by the reviews of borrowers, he does it. But there are also enough situations when customers apply for a refund of funds paid for insurance after this period has expired. And in 90% of cases, the bank refuses such borrowers due to the fact that they violated the same 14-day deadline for refusal.
In some cases, a complaint about the actions of the bank left by the borrower on the Banki.ru website or any other forum where Sberbank representatives are regulars helps to return the money after the specified period. You can also contact the Financial Ombudsman.
In other cases, the courts help to return the money. If the client succeeds well enough in arguing his desire to refuse insurance and return the money, then the courts take the side of the borrowers. If Rospotrebnadzor is involved in the process, then the chances of winning a lawsuit will increase significantly.
Hello, I am the author of this article and the creator of all calculators in this project. I have more than 3 years of experience in Renaissance Credit and Promsvyazbank banks. I am well versed in loans, loans and early repayment. Please rate this article, rate below.
