When concluding a car insurance contract for a car purchased on credit from Belagroprombank (with the type of collateral), the client was provided with the following document in electronic form: "AN OFFER TO CONCLUDE A LOAN AGREEMENT (OFFER)." The terms of the Car Rental are listed in paragraphs 4.2.14-4.2.18 of this document.
At the same time, the client verbally (based on the words of an employee of Belagroprombank) expressed the requirements:
- The vehicle is accepted as collateral for loan obligations (pledge agreement);
- The beneficiary is JSC Belagroprombank.
In order to clarify this issue, I contacted the call center at 136, where they gave me the phone number of the CBU specialist No. 428 (80159179547 Lyudmila Petrovna, the call was made twice around 11 a.m. on 04/18/2025). The specialist could not provide a correct explanation of this issue, while accusing him of incompetence and being rude.
I ask you to provide a written explanation on what basis it is mandatory to specify in the car insurance contract the beneficiary of JSC Belagroprombank and the clause: the vehicle is accepted as collateral for loan obligations (pledge agreement), while the car is not pledged at the time of the conclusion of the contract.
The bank's rating is in the top three. But it feels like all the customers have gone to another bank. Service on the 1st floor through the ticket offices. You have to speak loudly through the glass, which the whole hall hears. Maybe it will be better in the new year.