The Territorial Office has studied the appeal of a citizen living in the city of Urgench, with a request to provide practical assistance in matters related to the insurance company. As it turned out, the citizen purchased a car in the Khorezm regional branch of asaka Bank at Aska for a loan received on the terms of a three-year return. Also with the Khorezm branch of KAPITAL SUG'URTA, the company entered into an insurance contract and insured the car for a period of 3 years for a total amount of 1,575,000 soums.
This loan, received by a citizen, is fully returned to the bank ahead of schedule.
Under the "Autocredit" comprehensive insurance contract between the insurance company, the bank and the citizen:
- termination of the insurance contract on the initiative of one of the parties, subject to notification within 30 days of the date of termination;
- at the early termination of the insurance contract on the initiative of the insurer, borrower, beneficiary accrued expenses of no more than 30 percent of the insurance premium paid and provided for the return of the insurance premium for the expiration of the insurance.
However, the insurance company came without satisfying the citizen's appeal, fixing the fulfillment of the terms of the contract.
After all, according to article 948 of the “Civil” Code of the Republic of Uzbekistan, the contract expires before the deadline, and the insurer is entitled to receive a portion of the insurance premium in proportion to the duration of the insurance, if after its entry into force the possibility of the insurance case is lost, and the existence of the insurance risk is terminated under circumstances other than the insurance case.
On the basis of the foregoing, as a result of the intervention of the territorial administration on this issue, an additional agreement was concluded between the insurance company, the bank and the citizen on the early termination of the insurance contract with the return of the citizen 418 467,15 sum of money.