Probably every serious and responsible driver must be aware of the risks of motor insurance. One of the leaders of this sector is considered to be MOD. This is a reasonable way to protect themselves, passengers and the car from an accident, natural disaster, theft, etc. There are cases where the policyholder for some reason wants to terminate the contract and get your money. But such a procedure can be done, only carefully weighing every step.
1
The first thing to do - to look through the insurance contract. Carefully review all of the items. Pay special attention to the section on termination of the contract. As a rule, it is placed at the very end. If the paper documentation is lost, please read the terms and conditions on the official website of Hull.
2
Next, make sure that at the time of termination of the contract does not act for more than ten months. Otherwise, you are unlikely to return to the put the money.
3
Carefully examine the conditions in which the contract may be subject to avoidance. One of the most frequent causes of hull rupture considered a sale of the insured vehicle.
4
Without losing too much time, go to the insurance company to compile the application. After all, the balance calculation is made only from the moment you make a written statement. And remember, that terminate such agreement shall be entitled to a policyholder, not the relatives or the new owners of the machine.
5
Prepare for the fact that when filling out the documents you will be required to specify the reason for such a decision. If you sell your vehicle, provide a contract of sale. After completing the application, refer to the insurer requesting calculate the amount of the payment to come back.
6
We are warned in advance not to expect that the amount of the refund will be proportional to the year of action. Usually, insurance company reserves itself the sum of a few more than that laid in the ratio of the period. In its favor are calculated the money spent to conduct your business.
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After filling out the document, ask the company's employees to make a copy and assure it. Next you can expect payments within two or three weeks. In some cases, funds come earlier, if there are any inaccuracies or problems, the period may be somewhat delayed.
8
If you notice that the waiting period lasts more than a month, boldly contact the court. In such cases, the court decision is always on the side of the policyholder. Sooner or later you still get your part of the insurance premium.
Of course, dissolving the contract, it is necessary to be very attentive and careful, in order not to suffer extra money losses. But even more vigilantly to be, concluding it. Since some companies are prescribed in advance in the face of a mass of nuances, which simply will not allow you to get the insurance premium with a possible break.
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