Sample application for refund of loan insurance from Sberbank. How much can I get back?

Payment in the event of an insured event occurs only after the documentation issue has been resolved. One of the main tasks is to correctly fill out an application confirming the current situation and interest in providing financial support from a specialized company.

Time frame for resolving an existing issue

SK Sberbank LLC considers any insurance cases on an individual basis, using a standard scheme defined by law. For this reason, the deadlines for informing about the event that occurred and submitting the established package of documents must be observed.

If an incident occurs, you should contact Sberbank within three working days. At this time, you need to submit an application for insurance payment to Sberbank Life Insurance. The written statement should set out all the real circumstances and features of the situation.

As a matter of urgency, not only Sberbank, but also the competent authorities should be informed about an insured event (diagnosed fatal illness, serious injury or death). Moreover, when an appropriate case occurs, a number of requirements must be met, on which the possibility of receiving financial support depends. Such requirements are established in the insurance policy, which defines the rights of each party, the insured and the insurer.

Within fifteen days, you should collect the established package of documents and transfer it to specialists. Before making a payment, it is mandatory to draw up an act confirming the possibility and expediency of transferring a certain amount.

In recent years, there has been an increase in demand for loans from the population, even despite the devaluation of the ruble. Accordingly, the number of insurance issued is also increasing. The insurance period corresponds to the period for which the loan is issued.

Loan insurance is refundable if the insurance contract is terminated or the borrower fulfills its obligation ahead of schedule.

Not all citizens make such a demand: many believe that their time and effort will be wasted. But it is possible to return loan insurance, you just need to know how and in what cases this is done. This is a simple procedure that will not take much time.

The insurance part is a service added to the cost of the loan. Its goal is to minimize the borrower’s risks when repaying the debt to the bank.

Please note: the offer to conclude such an agreement comes from the bank, but it is drawn up by the insurance company.

Typically, the objects of insurance are the borrower's property, transport, or his life and health. The cost of the policy is most often distributed proportionally between monthly premiums. Banks often use one trick: they include in the cost of the loan the amount of the insurance commission (the institution keeps these funds for itself) and the insurance premium (the insurance company receives this money). And the first component is often several times higher than the insurance premium. To avoid falling into this trap, carefully read the contract to the end - this clause determines the size of the insurance portion of the loan that can be received back. The bank usually does not refund commissions.

Types of insurance at Sberbank

The insurer in this institution is the Sberbank Insurance company. She offers a choice of 2 packages of services when applying for a loan: “Head of Family” and “Protection of Loved Ones.”

Only the first tariff (“Head of Family”), which provides for comprehensive insurance, directly concerns the borrower:

life of the client (in case of his death);
his health (if he receives disability groups I-II);
employment (in case of job loss).

Early repayment of a Sberbank loan

Let's consider an example of insurance return, which will be fair for any bank.

This condition is specified in the insurance contract. Refund is a logical procedure, since the service was not actually provided. To realize this intention, you need to visit the bank, where you write a corresponding application.

The bank has the right to independently set the deadline for satisfying the client’s request (usually it ranges from 30 days).

In turn, the client awaiting consideration of his claim can use this time to his advantage. After all, using other people's money involves the bank charging interest.

The amount of such savings is determined by the current Central Bank refinancing rate. It is advisable for the client to state his intentions in the application submitted.

Refunds are transferred to the account specified by the client.

The lender himself will offer the citizen who applies to the bank to write a similar application according to the existing sample. The client will only need to enter personal data and other information into the form, such as the number and date of conclusion of the contract. But to save time, you can download the form online, print it, fill it out and take it with you.

The application should begin with coverage of the conclusion of the consumer loan and end with the rationale for the request and a direct call for the return of the funds due to you. Describe your actions in case of refusal by the bank.

It is necessary to indicate the date of drawing up the contracts (credit and insurance), their numbers, and name both parties who took part in this. Then name the amount stipulated and actually received and the funds transferred as a contribution to the insurance company. Mention what period was allocated for the loan. Indicate the date you fulfill your loan obligations, the amount of the repaid debt and the established interest.

What amount is refundable?

Only those who have not yet used it can count on receiving the full cost of insurance. But there is also one condition here: the loan must be repaid in the first month of the term stipulated by the agreement.

Other cases will be carried out according to a different scheme. Let's say a loan issued for 36 months was repaid after 24 months.

It turns out that the actual use of the insurance company’s services was 2 years, so only the amount for the remaining period is refundable.

Insurance premium refund process

The first step is preparing the necessary documents. If the loan agreement was concluded less than 14 days ago, you will need a minimum set of:

1) passport;

2) agreement on the provision of credit funds;

3) insurance policy.

If the loan has already been repaid ahead of schedule, you will additionally need checks, receipts confirming monthly loan payments, and a certificate of early repayment.

Then you need to fill out an application for a refund of the excess paid. With a prepared set of these papers, you should contact a Sberbank branch.

The lending manager will accept the application, date it, and endorse it with his signature and seal.

If this bank employee does not want to accept the application, you must require a written reasoned refusal.

The review period lasts a maximum of 30 days. When the application for insurance payment on the loan is approved by Sberbank, the details specified in it will be useful for transferring the unused premium. If the insurer of your loan agreement is Sberbank Life Insurance LLC, you will need to fill out an application for termination of the relevant agreement.

Denial of request

Let us summarize the information presented above. The insurance portion of the loan cannot be returned in two cases.

The first situation is that the client has fully repaid the loan, complying with the provision on monthly payments. This gives grounds to believe that the insurance contract has expired along with the last amount paid. In other words, the time has expired during which the risks under the loan agreement were insured. A paid Sberbank loan does not allow the insurance to be returned.

The second situation is the presence in the signed insurance contract of a clause stating the impossibility of early termination.

Satisfying requirement

All other situations allow the borrower to withdraw the money paid. This is also possible in two cases.

The first example is this: a citizen has concluded both contracts (credit and insurance). But, after a few days, he realized that the insurance was imposed on him, or decided that there was no need for it. You need to do the following: take the contract and find information about the possible period for its termination without penalties. Most banks allow 30 days for this, but Sberbank only 14. The countdown begins from the moment the agreement is signed.

The second case is early repayment of the full cost of the loan. This entails a proportional reduction in the insurance period for the loan taken. That is, if the client repays the loan twice as quickly, he should be returned half of the insurance premium. Please note: the loan agreement may contain a condition that it is impossible to return a smaller amount (50% of the insurance).

Going to court

Some banks do not return funds, including interest on the loan and insurance, citing the fact that they were not used due to early fulfillment of debt obligations. Such conditions may be provided for in an agreement signed by the borrower applying for the loan. You can change the situation in your favor by going to court.

Employees of this authority are mainly guided by the provisions of the Civil Code of the Russian Federation, which allow the collection of money only for existing loans, and the unused part is ordered to be returned to the client. But there are also courts that in their decisions profess the principle of freedom of contract, and, if there is a non-refund clause in this document, take the side of the bank. In any case, you should try to get your money back.

Borrower mistakes

Many borrowers study the agreement superficially, or simply show ignorance, believing that issuing such a policy is a prerequisite for granting a loan. But the Civil Code of the Russian Federation recognizes only insurance of the collateral as an integral part of this procedure. All other types of insurance are voluntary and can be waived when receiving a loan.

As for insurance, this can be done even after the fact, having already concluded an agreement, which very few people also know.

Remember, when applying for a loan, the words of managers should not be given much importance. But it is simply necessary to carefully read the agreement before signing it. It clearly states all your rights and obligations, and the clause regarding the insurance part is also present there.

An important point: the loan agreement is drawn up in two copies. The second of them, with the seal of Sberbank, must be handed over to the borrower personally by the manager. If this does not happen, contact the branch where you received the loan with a request to issue the missing documents.

A guarantee of return of insurance is the presence in the loan agreement of a clause on such a possibility.

Often the bank manager tries to delay as much as possible in accepting the application, arguing that the person is busy or is not in charge.

In order for the case to move forward, require a written refusal on the first day. With this approach, the responsible person is usually found immediately.

After early payment, do not rush to terminate the insurance contract. The balance of the premium due to you can only be returned under a valid contract.

You can track the movement of funds in your Sberbank account by connecting to the Mobile Bank service or registering with Sberbank Online.

Therefore, it is in your best interest to read the terms of the contract as carefully as possible.

Nowadays, many people use loans and very often banks offer clients loan insurance. But not all citizens understand why it is needed and whether it is needed at all. And also, not everyone knows that insurance can be returned after repaying the loan. This is exactly what we will consider in this article.

Why do you need insurance when lending?

Today, a huge number of loans is growing, and, accordingly, the number of insurances. But first, let's figure out what insurance is.

Insurance is an additional service that makes the borrower’s risks to the bank minimal. The main thing to take into account here is that the insurance contract is concluded by an insurance company, not a bank. As a rule, insurance covers property, transport, and the life of the borrower.

Typically, an insurance contract is concluded for the period of the loan. But sometimes banks also include the amount of the insurance premium and the bank commission in the loan, and often the commission exceeds the insurance. But few people know that insurance can be returned. Therefore, you need to read the contract before signing it.

After all, bank managers don’t talk about this, but if the loan was taken out together with insurance, you need to know your rights and obligations so that if a controversial situation arises, you will be armed.

But still, many people have a question: is insurance needed at all and why? As it has already turned out, insurance is issued by an insurance company, which, if an event occurs that fits the insurance policy, helps repay the loan to the borrower. Of course, there are different situations that apply to insurance.

Namely: health problems in the person who took out the loan, loss of work, natural disasters. But that's still not all. It’s not so simple because the bank indicates a number of cases in its agreement, so you need to read it very carefully. For a bank, loan insurance is a definite guarantor.

Because if the borrower does not repay the loan, the insurance company will be forced to repay it themselves. Based on this, there are two loan insurances: liability insurance for non-repayment and non-repayment of the loan itself. In the first type, the contract is concluded by the borrower and the insurance company, but in the second case, the policyholder and the bank.

Moreover, the percentage of compensation by insurance ranges from 50-90% of the amount of the unclosed loan. Each loan has its own insurance. This is not just like that, because the life and solvency of the client are subject to insurance.

Of course, you can get life insurance, but it is far from cheap and sometimes interest rates reach 30% of the loan amount. Therefore, in principle, you can refuse insurance and no one can force you to do the opposite. But if the property is pledged, you still have to pay.

Some banks even refuse loans to those who do not take out insurance. Some banks increase the lending rate or even increase the loan fee, so they can compensate for losses due to this. Anyone who does not agree with the rate increase cannot be forced to take out a loan.

How can a bank impose insurance without being noticed?

When applying to a bank for a loan, managers can impose insurance, explaining that it is required to obtain a loan. But let's consider whether they have the right to do so. There are some situations when insurance is simply necessary and is an integral part of lending.

These include:

With a mortgage loan, there is also a danger of losing the apartment in case of non-payment; because of this, it is better for the borrower to take out insurance.
Buying a car on credit. The car is pledged to the bank and in order not to lose it you need to insure it.

These are all cases in which compulsory insurance is required; in other cases it is voluntary. But, despite this, the bank may impose it in another case. Very often you can fall for this trick: if you take out insurance, the interest rate will be 25%, and if without insurance, then 30%.

And here the main thing is not to make rash decisions, because taking out a loan with a higher interest rate will be more profitable. Therefore, it would be a good idea to carefully read the loan agreement in a calm atmosphere and read all the terms, and you can also consult with a lawyer.

According to the law of the Russian Federation, insurance cannot be imposed, and if bank employees impose it, you must contact Rospotrebnadzor.

Is it possible to refuse insurance?

As has already become clear, insurance is a very expensive service for the borrower, but in some cases it is useful. Of course, the amount of insurance depends on the loan and prices of the insurance company that works with the bank. But if the borrower cannot pay the loan on time, then the insurance pays off his debt.

Insured events include:

Loss of a job. It is only necessary to confirm with documents that the person has been fired.
Long-term illness or death of the borrower. Documents from the medical institution are also provided.
Accident also needs to be supported by documents.
Natural disasters.

Insurance is a voluntary service, of course, except in cases where its registration is necessary. The client has the right to refuse it and no one should impose it. Otherwise, the borrower may contact the relevant authorities for proceedings.

Refund of insurance in Sberbank: step-by-step instructions

Let's look at cases in which insurance refunds are possible.

The borrower can withdraw the insurance premium if:

We entered into a loan and insurance agreement. But they realized that there was no need for it. To do this, you need to find a clause in the contract that states the termination of the insurance contract without penalty. As a rule, this period is 30 days. But in Sberbank it’s 14 days. And then the entire amount will be returned.
Another repayment case is early repayment of the loan in full. The insurance period will also be reduced. But often in the contract there is a clause where it is described that less than 50% is not returned.

But there are cases when a refund is not possible:

If the loan was repaid on time, then the insurance contract expired on the day of the last repayment. That is, the entire insurance period has been used. Then the insurance will not be returned.
The insurance contract contains a clause stating that early termination is unacceptable. This happens, but it means that the insurance company deceived, and the borrower did not read the contract carefully. And then the insurance cannot be returned either.

To return insurance from Sberbank, it is recommended to follow certain instructions. When the client addresses this issue within 30 days after the conclusion of the contract, the insurance amount can be returned. If you apply after 30 days, it is possible to return about 50% of the amount. You can apply for a refund within up to 3 months.

To return you must complete the following steps:

Contact the bank where the loan was issued with an agreement and passport.
Write a return application in two copies.
Register the application with the bank, but it must have the date of acceptance and the signature of the employee who accepted it.
The second copy must remain on hand.
If the loan was repaid early, you must provide a certificate indicating that the amount has been paid in full.
The final stage is waiting for the recalculation and crediting of the balance of funds to the account, which must be indicated in the application.

To return the insurance, you need to repay the loan ahead of schedule and, of course, carefully read the contract and understand every point.

Sample application

The return application must be submitted to the company with which the contract was concluded. There is a specific application template that must be filled out. The application, like any other document, has a “header” where the name of the bank, the address of the branch, and the details of the citizen from whom the application is given are indicated. Then the actual text of the statement.

And the text indicates when the agreement was concluded, for what loan, and also indicates the loan amount and the amount of insurance. Next you need to indicate how much money was issued. If the loan was repaid ahead of schedule, the repayment period is indicated. Well, naturally there follows a desire for the balance of the insurance funds to be returned.

The conclusion usually states that the application will be considered and a response will be issued within 10 days.

Insurance will be returned if it is written in the contract, so it won’t hurt to be careful when reading it.
It occurs when bank employees independently begin to delay the deadline for accepting an application. Usually the pretext is the busyness of the employee who is doing this. Therefore, in this case, you need to immediately demand a refusal. And with a high probability, a responsible employee will be found and will accept the application.
There is no need to immediately terminate the insurance contract after repaying the loan. Since it can only be returned according to the contract.
You can choose an insurance company yourself. It will take a little time, but you can already find out the positive and negative sides of different companies and choose the one that is more suitable.
It is very important to cooperate with banks whose services have already been used several times. So very often there are various discounts and bonuses for being a regular customer.
You can also participate in various promotional programs, because there is competition between insurance companies, and many are starting to offer favorable conditions and offers.

To protect your loan, you need to choose a good insurance company. It should provide a large selection of offers and allow you to choose the right ones. The insurance company should not impose; it can only clarify questions that are unclear to the client. Of course, it is good and even necessary to insure your loan in some situations.

After all, anything can happen and no one wants to get on their nerves. And the insurance company will help you repay the loan without unnecessary stress and worry.

Getting your Sberbank loan insurance back is not at all difficult if you take the right steps. From the article you will learn how and what to do.

Obtaining credit funds from banks of the Russian Federation is often associated with the imposition of additional services in the form of life insurance, health insurance, property insurance, and other things. The average person may not know, but every borrower has the right to either refuse insurance or, within a specified period, return the premium amount in part or in full. This material will tell how to return insurance on a Sberbank loan.

The lender was not chosen by chance. This is one of the largest players in the credit services market, directly connected with the Central Bank of the Russian Federation. Therefore, the number of policies issued to citizens in this company significantly exceeds those of other organizations. And it is these people who are more often interested in the issue of returning funds obtained through not entirely honest means.

Issues of insurance for clients of banking institutions are regulated by the Civil Code of the Russian Federation and, first of all, by special instructions of the Central Bank of Russia. Moreover, in different cases it is advisable to use different methods and algorithms of action.

Refund of Sberbank insurance after registration of the policy

If, at the time of signing the loan agreement, the client did not react and did not have time to legally refuse insurance, “ ” comes into force. It lasts 14 days from the date of conclusion of the agreement and can be used to legally terminate the contract with the insurance company. To do this, it is enough to write the appropriate application in the prescribed form, attach documents confirming the fact of payment for services and the policy itself. It will take several days to consider the issue, after which, as a rule, funds are transferred to the specified account number.

If the bank or insurance company gives a negative answer, it must explain it. If the client is not satisfied with the motivation, he can appeal to higher authorities, for example, by writing a complaint to the Central Bank of the Russian Federation and Rospotrebnadzor, or defend his rights in court.

But as noted earlier, if you do everything correctly and are guided not only by the Instructions of the Bank of Russia, but also by the internal regulations of Sberbank, following their recommendations, then problems with the return of the insurance premium, as well as the “fee for participation in the insurance program,” should not arise.

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

As a rule, an insurance policy is issued for a period similar to the validity of the loan agreement, and the one-time payment made for using the services is divided into equal parts by the number of months until the client repays debt obligations. However, practice knows many cases when, due to a sharp improvement in financial situation or other circumstances, the borrower has the opportunity to close the debt to the bank ahead of schedule. Thus, the policy period is also reduced and this leads to the interest of the client to claim part of the balance of the insurance premium.

Unfortunately, today insurers in the contract directly indicate the impossibility of returning insurance after termination of the agreement. And when trying to defend one’s rights in court, this authority takes the side of the defendant, except in rare cases.

Insurance return mechanisms at Sberbank, depending on divisions

Special instruction of the Central Bank No. 3854-U established that lenders do not have the right to put forward additional demands on borrowers intending to return the funds spent on insurance. De jure, this means the possibility of submitting a free-form application with a request to terminate the insurance contract. In practice, things are different. To speed up the process and receive money in a short time, you must follow the requirements of Sberbank, which has established various application forms for its insurance divisions.

Return of insurance to Sberbank Insurance LLC

This division provides insurance of property, bank cards and other aspects involved in the relationship between the lender and the borrower. In order for the refund event to be completed successfully, you must attach an application in the Insurer’s form:

You can download the application form for the return of insurance to Sberbank Insurance LLC here: (downloads: 2068)

In addition, the following list of documents will be required:

insurance policy;
a receipt confirming the fact of payment for the insurance company’s services;
copy of the passport.

After the application is reviewed by the responsible official, the client will receive a notification of the decision made. If the answer is positive, the funds will be returned to the details specified in the application.

It should be noted that the established application form of LLC IC Sberbank Insurance does not quite comply with the requirements of the Directive of the Bank of Russia, in particular, the application requires indicating “the reason for termination of the insurance contract,” while the Directive of the Central Bank of the Russian Federation states that the return of the insurance premium must be carried out based on a written application from the Policyholder, without indicating the reason for termination of the contract.

But we would not recommend finding fault with the proposed format of the application, or providing it, in the case of Sberbank structures. All this can only lead to a delay in the return of insurance.

Return of insurance to Sberbank Life Insurance LLC

The second branch of the largest lender, engaged in providing services to the population, specializes in issuing policies related to the life and health of borrowers. It is worth remembering that in order to get a refund, you must fill out an application in the form approved by this particular Insurer. An example of it can be found below.

You can download the application form for the return of insurance to LLC IC LLC IC "Sberbank Life Insurance" here: (downloads: 1745)

The list of additional documents required to start the procedure is similar to the above.

Refund of Sberbank insurance under a collective insurance agreement

The third common format, actively imposed on Sberbank clients, is voluntary collective life and health insurance. Unlike the previous two, the working mechanisms here are different, since the Bank is the insurer, and the client is only the insured person.

This time, Sberbank PJSC acts as the main authority for proceedings and appeals, where you must submit your application. It is also drawn up in the form of a bank, similar to the previous example.

It should be remembered, that according to clause 4.1 “Conditions of participation in the borrower’s voluntary life and health insurance program (applied to Insured Persons accepted for insurance starting from February 4, 2018) - hereinafter referred to as “Conditions of Participation”” for the return of “fees for participation in the program..." the client must personally contact the bank branch and there write a statement in the prescribed form. It is specifically stated that “ Submitting an application by mail or using other communication channels is not permitted.».

We have great doubts about the validity of the above thesis, since it limits the client’s rights to notify the bank of his refusal by mail. What about citizens who, for one reason or another, cannot “personally visit” a Sberbank branch and write an appropriate application for refusal to participate in the insurance program? Or what to do in a situation where bank employees do not want to provide an application form for refusal of insurance, or do not want to accept an application from a client?

You can read the full text of the “Conditions of Participation” on the Sberbank website, at.

Or you can download the “Terms of Participation” here: (downloads: 74)

Is it possible to return Sberbank loan insurance after 14 days?

As noted above, when receiving a loan from Sberbank, you can be insured by concluding an insurance contract directly with the Insurer (Sberbank Insurance LLC, Sberbank Life Insurance LLC), or sign an application and be insured under a collective agreement insurance.

In the first case, you act as the Insured, and, therefore, there cannot be any discrepancies in the instructions of the Central Bank of Russia. You are given 14 calendar days to cancel insurance and return the insurance premium in 100% amount, unless a longer period is provided for in the insurance contract ( but it is not provided). Of course, you can try to return the insurance after 14 calendar days, but the result of consideration of your application may disappoint you.

Additional information on insurance refunds after the cooling-off period.

In the second case, you are simply an “insured person”, the Insured there is the SBRF. Of course, you can refer to judicial practice and the ruling of the Supreme Court of the Russian Federation and indicate that you must be the Insured under this agreement. But, as you will probably agree, there is no need for this, because... Sberbank does not create obstacles to the return of the insurance premium and describes in detail how and what needs to be done.

And so, according to clause 4.2 of the “Conditions of Participation”, the 14th day begins to count from the day following the day the loan was issued, and also that if the 14th day falls on a non-working day, the application can be submitted to the next working day.

In these cases the “fee for joining the insurance program” will be refunded in full. If you apply for a refund of insurance after the expiration of the period described above, Sberbank may also make a positive decision to return the connection fee. The refund amount is determined on an individual basis.

Insurance return options for clients: what you need to know

Practice shows that the commission charged by the bank for obtaining insurance can be several times higher than the face value of the insurance policy. In essence, it is a kind of reward to the lender for popularizing the services of a particular insurance company. Naturally, modern companies specializing in issuing loans and selling other banking services do not want to lose their money. Therefore, when attempting to request a refund of your insurance premium, you may encounter significant resistance. Employees' excuses vary greatly, depending on their imagination and instructions issued by management. For example, it could be:

there is no responsible official on site;
Processing the application will take a lot of time, since the state is very busy;
The database does not work or there are problems with the equipment.

All this sounds natural, and an ordinary client without experience may well believe and abandon his intentions. But if you persist and ask in writing to justify the refusal to accept the application, in almost 100% of cases all obstacles and interfering factors magically disappear, the equipment is instantly repaired on its own, and the person responsible for processing applications materializes at the workplace like a real magician .

Our return practice

Our company’s specialists have repeatedly faced the task of returning an insurance premium at the request of clients, including helping to return insurance on a Sberbank loan. We have practical experience and possess some unique knowledge that allows us to resolve this issue in favor of the applicant in a short time. For example, if an application to Sberbank Life Insurance was sent in free form, but the department requires a specific one, you can do without a visit to the bank by sending the updated version by email. But such manipulations are effective only for this division, since the Insurer is obliged to be guided by the Instructions of the Bank of Russia, which, in particular, notes the fact that the return of the insurance premium must be made on the basis of a written application from the policyholder and without indicating the reason for refusal of insurance - application form for Refund of insurance may be arbitrary! But, nevertheless, we recommend that you comply with the “requirements” of the insurer and provide documents for the return of insurance in “their form.”

If you don’t have the time, energy and desire to fight the system, challenge wrongful insurance refund decisions and stand in lines for hours, just turn to the experts. Based on proven and effective algorithms, we will find a way out of this situation and return the money that legally belongs to you.

The number of loans issued has been growing in recent years, even during the period of ruble devaluation, which leads to an increase in the number of insurance issued.

Most borrowers do not take advantage of the opportunity to return the insurance portion of the loan, due to the fact that they do not know in what cases this is possible.

But in reality, it is not difficult at all and takes very little time. In the article we will consider in detail the options in which a return is possible and the procedure itself.

What is the insurance part of the loan?

Insurance part of the loan- a value-added service designed to minimize the borrower’s risks to the bank in the process of repaying the debt. It is important to understand that the insurance contract is offered by the Bank, but is concluded by the insurance company. It is usually proposed to insure property, transport or life and health of the borrower. The policy period is equal to the term of the loan payments and its cost is usually distributed proportionally between monthly installments.

Banks often resort to one trick - they include in the cost of a consumer loan an amount that consists of an insurance premium (what is transferred to the insurance company) and an insurance commission (what the bank keeps for itself). And it could easily turn out that The bank commission is several times higher than the insurance premium.

To avoid such a trick, read the entire contract carefully- this determines how much of the insurance portion of the loan you can repay, because, as a rule, the Bank does not return commissions.

Many borrowers do not read the contract carefully, or simply do not know that concluding an insurance contract is not an essential condition for granting a loan. According to the Civil Code of the Russian Federation, insurance only of the collateral is mandatory; all other types of insurance are voluntary, and you have the right to refuse them when receiving a loan.

But few people know that loan insurance You can refuse even after the conclusion of the contract. Remember, everything that managers tell you when concluding a loan agreement is just words. The rights and obligations, including the insurance part of the loan, are clearly stated in the agreement, and you need to carefully read it before signing.

In what cases is a return possible?

First, let's look at situations where Refund of the insurance portion of the loan is not possible:

You have repaid the loan in full in accordance with monthly payments.
In this case, the insurance contract is considered to have expired with your last payment. That is, the entire term of the loan agreement has passed, during which the risks were insured. For a paid Sberbank loan, insurance cannot be returned. The insurance contract signed by you states that early termination is not possible.
Yes, this also happens. This means that the insurance company was lying and you did not carefully read the terms of the contract.

Now, let's take a closer look at situations where the borrower may withdraw the premium paid for insurance:

You have entered into a loan agreement and an insurance agreement. But after a few days they realized that insurance was imposed on you, or they realized that you do not need it.
Take your contract and find a clause that will indicate within what period you can terminate the insurance contract without penalties. For most banks this period is 30 days. Sberbank sets it in 14 days. It means that You can get the full cost of your insurance back under a loan agreement concluded with Sberbank, within fourteen days after its signing. You repaid the full cost of the loan ahead of schedule.
This means that the insurance period for the loan you took out should be reduced proportionally. That is, if you repay the loan for 2 years twice as fast, you are required to return 50% of the insurance premium. It is important to know that the loan agreement may stipulate that it is impossible to return less than 50% of the insurance.

In any case, you can only understand exactly what part of the insurance you can return carefully reading the terms of the agreement. If your situation fits one of the above conditions, read about the return procedure below.

Instructions for refund of insurance premium

We prepare the necessary documents. If less than 14 days have passed since the conclusion of the loan agreement, you will need:

passport loan agreement insurance policy

If you have already repaid your loan early, then in addition to the listed documents:

receipts, checks confirming monthly loan payments, certificate of early repayment of the loan Fill out the application to return the insurance portion of the loan. An example statement is attached to the article below. With prepared documents and completed application contact the Sberbank branch. The loan manager is required to accept the application and endorse it with a signature, seal and date. If the manager refuses to accept the application - require a written reasoned refusal. The review period is no more than 30 days. When a positive decision is made on the application, the unused bonus will be transferred to the details specified in it.

Sample application to Sberbank for insurance refund

To download the document to your computer, please follow the link download sample in format MS Word

Also, the return application can be downloaded from PDF format

If the Insurer under your loan agreement is LLC IC "Sberbank Life Insurance", then you must fill out a special application form for termination of the insurance contract. Download form in PDF format.

Repayment of the loan insurance is guaranteed to you in the event if this possibility is specified in the contract There are often situations when a bank manager tries to delay the deadline for accepting an application as much as possible, citing the busyness or absence of the person in charge. Immediately, on the first day, require a written refusal. Most likely, the responsible person will be found immediately. Do not rush to terminate the insurance contract after early payment. You can return the remainder of the insurance premium only under a valid contract

The described steps for returning insurance on a Sberbank loan can also be applied to loans from other banks. It is only important to remember that You need to read the contract carefully before signing. Everything you have the right to is stated in the document.

To keep abreast of the movement of funds in your Sberbank account, connect Mobile Banking or register with Sberbank Online. How to do this: http://cardoteka.ru/banki/plastikovyie-kartyi/sberbank-onlayn.html

Also, you may be interested in a video from an expert about the return of insurance premiums:

Why do you need insurance when lending?

Today, a huge number of loans is growing, and, accordingly, the number of insurances. But first, let's figure out what insurance is.

Insurance is an additional service that makes the borrower's risks to the bank minimal. The main thing here is to take into account one nuance - this is that the insurance contract is concluded by an insurance company, not a bank. As a rule, insurance covers property, transport, and the life of the borrower.

Because if the borrower does not repay the loan, the insurance company will be forced to repay it themselves. Based on this, there are two loan insurances - liability insurance for non-repayment and non-repayment of the loan itself. In the first type, the contract is concluded by the borrower and the insurance company, but in the second case, the policyholder and the bank.

How can a bank impose insurance without being noticed?

These include:

With a mortgage loan, there is also a danger of losing the apartment in case of non-payment; because of this, it is better for the borrower to take out insurance. Buying a car on credit. The car is pledged to the bank and in order not to lose it you need to insure it.

According to the law of the Russian Federation, insurance cannot be imposed, and if bank employees impose it, you must contact Rospotrebnadzor.

Is it possible to refuse insurance?

As has already become clear, insurance is a very expensive service for the borrower, but in some cases it is useful. Of course, the amount of insurance depends on the loan and prices of the insurance company that works with the bank. But if the borrower cannot pay the loan on time, then the insurance pays off his debt.

Insured events include:

Loss of a job. It is only necessary to confirm with documents that the person has been fired. Long-term illness or death of the borrower. Documents from the medical institution are also provided. Accident also needs to be supported by documents. Natural disasters.

Refund of insurance in Sberbank: step-by-step instructions

Let's look at cases in which insurance refunds are possible.

The borrower can withdraw the insurance premium if:

We entered into a loan and insurance agreement. But they realized that there was no need for it. To do this, you need to find a clause in the contract that states the termination of the insurance contract without penalty. As a rule, this period is 30 days. But in Sberbank it’s 14 days. And then the entire amount will be returned. Another repayment case is early repayment of the loan in full. The insurance period will also be reduced. But often in the contract there is a clause where it is described that less than 50% is not returned.

But there are cases when a refund is not possible:

If the loan was repaid on time, then the insurance contract expired on the day of the last repayment. That is, the entire insurance period has been used. Then the insurance will not be returned. The insurance contract contains a clause stating that early termination is unacceptable. This happens, but it means that the insurance company deceived, and the borrower did not read the contract carefully. And then the insurance cannot be returned either.

To return you must complete the following steps:

Contact the bank where the loan was issued with an agreement and passport. Write a return application in two copies. Register the application with the bank, but it must have the date of acceptance and the signature of the employee who accepted it. The second copy must remain on hand. If the loan was repaid early, you must provide a certificate indicating that the amount has been paid in full. The final stage is waiting for the recalculation and crediting of the balance of funds to the account, which must be indicated in the application.

To return the insurance, you need to repay the loan ahead of schedule and, of course, carefully read the contract and understand every point.

Sample application

The conclusion usually states that the application will be considered and a response will be issued within 10 days.

Insurance will be returned if it is written in the contract, so it won’t hurt to be careful when reading it. It occurs when bank employees independently begin to delay the deadline for accepting an application. Usually the pretext is the busyness of the employee who is doing this. Therefore, in this case, you need to immediately demand a refusal. And with a high probability, a responsible employee will be found and will accept the application. There is no need to immediately terminate the insurance contract after repaying the loan. Since it can only be returned according to the contract. You can choose an insurance company yourself. It will take a little time, but you can already find out the positive and negative sides of different companies and choose the one that is more suitable. It is very important to cooperate with banks whose services have already been used several times. So very often there are various discounts and bonuses for being a regular customer. You can also participate in various promotional programs, because there is competition between insurance companies, and many are starting to offer favorable conditions and offers.

After all, anything can happen and no one wants to get on their nerves. And the insurance company will help you repay the loan without unnecessary stress and worry.

Drawing up an insurance contract for lending is a voluntary procedure. But banks, taking advantage of clients’ legal illiteracy, force them to spend extra money. Is it possible to return insurance on a Sberbank loan, and how to do it - read the article.

Is it possible to refuse loan insurance at Sberbank?

Loan insurance at Sberbank is a service that, although costly for the borrower, can sometimes be useful. The amount of insurance depends on the type of loan and the rates of the insurance company cooperating with the bank. The amount reaches 15% of the loan amount.

If circumstances arise that prevent the borrower from repaying the loan on time, the insurance payment allows the debt to be repaid. Insured events include:

Documented job loss. A certificate from the employment center, a work book with a record of dismissal is provided. Long-term illness or death of the borrower. A certificate from a medical institution or a death certificate is required. An accident that resulted in long-term treatment. Documented. Natural disasters, theft of property.

In 2015, loan insurance from Sberbank is taken out voluntarily, with the exception of mortgages and car loans. When issuing consumer loans, bank managers offer to join an insurance program, but do not insist on it. If the client is confident in his future and does not want to insure himself, no one will force him to do so.

Refund of Sberbank loan insurance: step-by-step instructions

In the case where the recipient of a consumer loan has already become a participant in the Sberbank insurance program, the opportunity to return the money still exists.

If you apply within 30 days after signing the loan agreement, the entire insurance amount is returned to the client. If more than 30 days have passed and the contract with the insurer has already been concluded, the money will be returned minus approximately 50% of the amount. You can apply up to 3 months from the date of signing the agreement. After 3 months, the amount of return insurance is calculated in proportion to the time you used the loan. If you apply after closing the loan, the funds are not returned, but the client always has the opportunity to defend his interests in court.

What you need to do to get a refund:

1. Contact the bank at the place where the loan was issued with your passport and loan agreement.

2. Fill out an application for the return of insurance on a Sberbank loan in 2 copies.

3. Register the application with a bank employee, indicating the date of receipt and the signature of the person who accepted the documents.

4. Keep the second copy of the application.

5. In case of early repayment of loan funds, provide a certificate of closure of the loan account.

6. Wait for the insurance to be recalculated and the balance of funds to be credited to the account specified in the application.

Sberbank: is it possible to return insurance on a housing loan? This question worries all borrowers, since the size of the annual insurance premium is quite significant. In connection with the pledge of real estate, the bank has the right to guarantee its safety. Refund of insurance is possible if the loan is closed ahead of schedule. The situation is similar with car loans, when the car is pledged.

Refund of insurance on a Sberbank loan: sample application

Due to low awareness, only 5% of clients return their loan insurance. If insurance is returned after 30 days, 13% income tax is withheld from the amount. Collateral insurance is required.

Category: