1, the complaint problem.

Car insurance from insurance companies mortgage loans to buy a car, insurance companies charge 2000 yuan of deposit. 3 years later, when the refund of deposit insurance company insurance for people to pay off the mortgage loans after a vehicle, the insurance company staff told him: only during vehicle mortgage loans in the insurance company for insurance, the deposit can be refunded. The car in the car at that time did not get the informed, except for the first year is in the insurance companies to buy, the other a few years in other insurance companies. The insurance company insured that violations of the right to information, should return the insurance deposit.

Lawyer Liu view:

2, analysis of the problem

The insurance company requires the insured in the insurance policyholders to pay insurance deposit, purchase a car must be insured for people in the insurance company, or the deposit is not refundable.

We believe that, if the charge a deposit to guarantee insurance man must apply to the insurance companies, such behavior constitutes "PRC Anti Unfair Competition Law" article twelfth compulsory transaction behavior, namely, insurance companies use to buy a car loan for banks, and bundled sales of insurance. The violation of the "PRC Anti Unfair Competition Law" advocated free trade, fair competition spirit of the legislation, should belong to invalid.

In addition, our law for deposit as collateral in no clear rules, in accordance with the law of real right in the legal spirit, legal simply does not accept deposit as security force. So, will the deposit as car buyers to fulfill a duty guarantee is not supported by law.

Therefore, we believe that the insurance company should be unconditional refund of deposit insurance. Otherwise, buy a car to the commerce and Industry Bureau report even bargain for requirements for insurance companies and.