diff --git a/apps/web/process/insurance/validation.ts b/apps/web/process/insurance/validation.ts
index f07a7f4..bbe2a45 100644
--- a/apps/web/process/insurance/validation.ts
+++ b/apps/web/process/insurance/validation.ts
@@ -129,6 +129,14 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
           });
         }
 
+        if (!fingap.insuranceCompany && fingap.insCost > 0) {
+          ctx.addIssue({
+            code: z.ZodIssueCode.custom,
+            message: `Укажите страховую компанию ${fingap.policyType}`,
+            path: ['insurance'],
+          });
+        }
+
         if (
           !leasingWithoutKasko &&
           !insDecentral &&