diff --git a/apps/web/process/insurance/validation.ts b/apps/web/process/insurance/validation.ts
index 32442f2..a53e3e8 100644
--- a/apps/web/process/insurance/validation.ts
+++ b/apps/web/process/insurance/validation.ts
@@ -91,6 +91,16 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
           }
         });
 
+        const { fingap } = insurance.values;
+
+        if (fingap.insuranceCompany && !fingap.insured) {
+          ctx.addIssue({
+            code: z.ZodIssueCode.custom,
+            message: `Укажите плательщика ${fingap.policyType}`,
+            path: ['insurance'],
+          });
+        }
+
         if (
           !leasingWithoutKasko &&
           !insDecentral &&