Car insurance through VSK (Military Insurance Company) - a popular solution among car owners, especially when buying a car on credit or through a program government subsidies. However, it is not uncommon for clients to be faced with the need to cancel a policy – whether due to high costs, duplicate coverage or a change in circumstances. In 2026, the procedure for returning funds under CASCO from VSK has its own nuances: from strict deadlines to requirements for a package of documents.
Many people mistakenly believe that they can cancel their insurance at any time without consequences. In practice VSK applies penalties for early termination of the contract - up to 30% of the policy cost in case of refusal in the first 30 days. At the same time, the law gives the right to return part of the premium paid if the conditions are met. In this article, we’ll look at how to minimize losses, avoid hidden fees and competently issue a refusal, taking into account the latest clarifications from the Bank of Russia and judicial practice.
We will pay special attention to the “pitfalls”: for example, why insurance waiver for car loan may lead to an increase in the interest rate, and what to do if VSK refuses to return the money without explanation. We have collected up-to-date application samples, step-by-step instructions and answers to frequently asked questions - from review deadlines to tax consequences.
1. When can you refuse VSK insurance without penalties?
The legislation of the Russian Federation provides for several scenarios in which the client has the right to terminate the CASCO agreement without financial losses. The main condition is the presence good reason, confirmed by documents. VSK, like other insurance companies, is obliged to return part of the premium in the following cases:
- 📄 Selling or scrapping a car — if the car is no longer your property (you need a purchase and sale agreement or a disposal certificate).
- 💸 Complete destruction of the vehicle — in case of an accident or natural disaster (an insurance claim certificate from VSK is required).
- 🔄 Change of owner by inheritance - if the car has been transferred to another person (certificate of inheritance).
- 🏦 Early repayment of a car loan - if insurance was a mandatory requirement of the bank (certificate from the bank confirming the closure of the loan).
Important: even if there is a good reason, VSK withholds 23% of the policy cost to cover administrative expenses (clause 3 of Article 958 of the Civil Code of the Russian Federation). An exception is if the refusal is issued in first 14 days after purchasing the policy (the so-called “cooling off period”). In this case, no penalty will be applied, but the money will be returned only for the unexpired term of the contract.
The deadline for consideration of an application for refusal is until 10 working days. If VSK delays the process, you can complain to Central Bank of the Russian Federation through them official website. Practice shows that after contacting the regulator, money is returned within 3–5 days.
2. Step-by-step instructions: how to refuse CASCO VSK
The contract termination procedure consists of 5 key steps. An error at any stage may result in a refund being denied. Follow the algorithm:
- Check the terms of the contract. Look for early termination clauses (usually in the “Rights and Responsibilities of the Parties” section). Pay attention to the size of the withheld commission - for VSK it varies from
20% to 30%depending on the validity period of the policy. - Collect documents. Minimum package:
- 📋 Application for termination (sample below).
- 📄 Passport of the policy owner.
- 🚗 PTS or STS of the car.
- 💳 A check or payment order for insurance payment.
- 📑 CASCO agreement (original or copy).
I ask you to terminate the CASCO agreement No. [number] dated [date] due to [reason].
Please return the insurance premium for the unexpired period to the account [details].
- 🏢 In person at the VSK office (find the nearest one on company website).
- 📧 By registered mail with notification (address:
125047, Moscow, st. 1st Tverskaya-Yamskaya, 25). - 💻 Through your personal account on the VSK website (section “Appeals”).
- Get the answer. VSK must send notice of termination and calculation of the refundable amount within
10 days. The money is transferred to the specified account within5 working daysafter approval.
Application for termination|Owner's passport|PTS/STS of the car|Receipt for payment of insurance|CASCO agreement (copy)
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If you refuse due to the sale of the car, attach a copy of the purchase and sale agreement. In case of early repayment of the loan - a certificate from the bank. Without these documents, VSK has the right to refuse a refund.
⚠️ Attention: If you purchased insurance through the dealership when you purchased the car, first check to see if it is a requirement of the warranty. Some dealers will void warranty service if you refuse CASCO insurance.
3. Sample applications for refusal of VSK insurance
VSK accepts applications in free form, but it is better to use official company forms. Below are current templates for different situations. Download, print and fill out by hand or on your computer.
📝 Pattern 1: Failure during the cooling period (first 14 days)
General Director of JSC "VSK"from [full name], passport [series, number],
registered at: [address]
STATEMENT
I request to terminate the voluntary insurance agreement (CASCO) No. [number] dated [date]
due to refusal of service during the cooling-off period (Article 9.1 of Law No. 4015-1).
Please return the insurance premium in full to the account [bank card details].
Date: [day, month, year]
Signature: [signature]
📝 Template 2: Refusal to sell a car
At JSC "Military Insurance Company"from [full name], passport [data], address: [address]
STATEMENT
I ask you to terminate the CASCO contract No. [number] dated [date] in connection with the sale of the insured car [make, model, license plate number].
I am attaching a copy of the purchase and sale agreement dated [date] to the application.
I ask you to return part of the insurance premium for the unexpired period, minus the costs of conducting the case.
Date: [day, month, year]
Signature: [signature]
If you submit documents in person, make a copy of the application with an acceptance mark (date, signature of a VSK employee). If sending by mail, keep the shipping receipt. These documents will be useful if the company delays returning the money.
📌 Where to download VSK forms
- 🖥️ On official website in the section “Documents” → “Application forms”.
- 📧 Upon request to the support service:
info@vsk.ru. - 🏢 In any office of the company (addresses on the website).
If VSK refuses to accept the application under the pretext “there is no form”, write it by hand on A4 sheet. The main thing is to indicate all the details of the contract and the reason for the refusal. The law does not require the use of a strict form.
4. Terms of refund and amount of deductions
VSK is obliged to return part of the insurance premium for the unexpired period, but retains a commission for conducting the case. The amount of deductions depends on the validity period of the policy at the time of refusal:
| Policy validity period | Amount of VSK deductions | Refund period |
|---|---|---|
| Up to 30 days | 30% of the policy cost | Up to 10 working days |
| From 30 to 90 days | 25% of the policy cost | Up to 14 working days |
| From 90 days to 6 months | 20% of the policy cost | Up to 10 working days |
| More than 6 months | 15% of the policy cost | Up to 7 working days |
| Cooling period (14 days) | 0% (full refund) | Up to 5 working days |
Calculation example: if the policy cost 50 000 ₽, and you refused after 2 months, VSK will return:
50 000 ₽ − (50 000 × 25%) − (50 000 × 2/12) ≈ 27 083 ₽.
Where:
50 000 × 25%- termination fee.50 000 × 2/12— the cost of two months of policy validity.
The money is transferred to the bank account specified in the application. If the details are incorrect or the account is closed, VSK may delay payment until the details are clarified.
⚠️ Attention: If the insurance was paid through a car dealership or a bank (for example, when buying a car on credit), the money will be returned to the organization’s account, and not to you personally. To receive them on your card, please attach them to your application. additional agreement about changing the details for a return.
5. What to do if VSK refuses to return the money
In practice, VSK clients often encounter delays or unreasonable refusals to return funds. If the company ignores your application or sends an unsubscribe, follow the algorithm:
- Write a complaint. Send it to the official VSK address (
125047, Moscow, st. 1st Tverskaya-Yamskaya, 25) marked “Claim”. In the text please indicate:- Date and number of the CASCO agreement.
- Date of application for termination.
- Demand to return money within
10 days(refer to Article 958 of the Civil Code of the Russian Federation). - Warning about going to court and the Central Bank of the Russian Federation if requirements are not met.
- Contact the Central Bank of the Russian Federation. Submit your complaint via feedback form on the regulator's website. Attach scans:
- CASCO agreements.
- Applications for termination.
- Claims against VSK.
- Company response (if any).
The Central Bank is obliged to consider the complaint within 30 days.
50 000 ₽, contact the district court. Up to this amount - to the magistrate. In your statement of claim, request:
- Refund the insurance premium.
- Collect a penalty for late payment (1% of the debt amount for each day).
- Reimburse legal expenses.
According to statistics, 80% of claims against insurance companies are satisfied in favor of clients.
An example of a successful decision: in 2023, the court sided with VSK’s client, who demanded the return 42 000 ₽ for an early terminated policy. The company held 30% commission, although by law it could only withhold 23%. The court ordered VSK to pay the difference plus 3 000 ₽ compensation for moral damage.
Sample claim to VSK
At the top, enter your details and company details. In the text refer to:
- clause 3 of Art. 958 of the Civil Code of the Russian Federation (obligation to return the premium for the unexpired term),
- clause 1 art. 16.1 of the Law “On Protection of Consumer Rights” (liability for violation of deadlines).
Demand that the money be returned within 10 days, otherwise you will complain to the Central Bank and the court.
If VSK motivates the refusal by “technical problems” or “internal regulations,” demand a written explanation. Often after such a request the money is returned within a week.
6. Features of waiving insurance for a car loan
If CASCO from VSK was issued as a mandatory condition of a car loan, the refusal procedure becomes more complicated. Banks include insurance in the loan agreement, and its termination may entail:
- 📈 Increase in interest rate - many banks increase the rate by
1–3%upon refusal of CASCO insurance. - 📅 Requirement to issue a new policy — some lenders oblige you to replace the insurance with a similar one from another insurer.
- 💰 Penalty for early termination — if insurance was included in the body of the loan, the bank may demand compensation.
To avoid problems:
- Study the loan agreement - look for clauses about the consequences of refusing insurance.
- Check with the bank whether it is possible to replace the VSK policy with a cheaper one (for example, from Ingosstrakh or RESO-Garantiya).
- If the loan has already been repaid, provide VSK with a certificate from the bank - this will exempt you from fines.
Example: in SberBank If you refuse CASCO insurance, the car loan rate increases by 2%, and in VTB - on 1,5%. B Alfa-Bank You can replace your VSK policy with the insurance of another accredited partner without increasing the rate.
⚠️ Attention: If you refused CASCO, but did not notify the bank about this, it has the right to demand early repayment of the loan. This is spelled out in most loan agreements as a “breach of collateral.”
Before refusing insurance for a car loan, be sure to consult with the bank. Sometimes it is more profitable not to terminate the policy, but to wait until the loan is repaid to avoid a rate increase.
7. Tax consequences: is it necessary to pay personal income tax on the returned money?
Many VSK clients are afraid that the returned insurance premium will be considered income from which they need to pay 13% personal income tax. In practice, this is not the case: according to paragraph 33 of Art. 217 of the Tax Code of the Russian Federation, amounts of return of insurance premiums not taxed, if:
- 📌 Money is returned for the unexpired period of the policy.
- 📌 The refusal is issued in accordance with the law (there is documentary evidence).
- 📌 Insurance was voluntary (CASCO), not mandatory (OSAGO).
Exception: if you have previously received tax deduction for insurance (for example, as an individual entrepreneur), then the returned amount can be taken into account when recalculating taxes. In this case, check with your tax office for details.
Example: if you paid for the policy 60 000 ₽, but returned 40 000 ₽, no need to pay tax. But if insurance was included in expenses for individual entrepreneurs and reduced the tax base, returned 40 000 ₽ you will have to report it as income on your return.
VSK does not withhold taxes when refunding funds - this is the responsibility of the client. If in doubt, consult an accountant or tax attorney.
FAQ: Frequently asked questions about refusing VSK insurance
Can I refuse VSK insurance if I bought a car less than a month ago?
Yes, for the first time 14 days There is a “cooling off period” - you can terminate the contract without penalties and return the full cost of the policy minus the days when the insurance was in force. For example, if you refused on the 10th day, you will get a refund for 355 days (for an annual policy).
VSK says that the money will not be returned because the policy was valid for more than 30 days. Is this legal?
No, this is a violation. Even if more than 30 days have passed, you have the right to a refund of part of the premium for the unexpired period (Article 958 of the Civil Code of the Russian Federation). VSK can only withhold a commission for conducting a case (up to 25% depending on the period). If they refuse, write a claim and complaint to the Central Bank.
What if the insurance was issued through a car dealership, and now they don’t want to help with the refusal?
The car dealership is not a party to the insurance contract - contact VSK directly. If the salon refuses to provide a copy of the contract or a receipt for payment, request these documents from the insurance company. They are required by law to provide copies within 5 working days.
How much time does VSK have to return the money after submitting an application?
According to paragraph 3 of Art. 958 of the Civil Code of the Russian Federation, the insurance company is obliged to return the money within 10 working days after receiving the application. If the deadlines are violated, you can demand a penalty (1% of the debt amount for each day of delay) through the court.
Is it possible to cancel VSK insurance online without visiting the office?
Yes, VSK accepts applications for termination through personal account on the website or by mail. The main thing is to fill out the form correctly and attach scans of documents. The answer will be sent by email or personal account.