Insurance of material assets and property owned by citizens is one of the most popular types of insurance. The main form of property insurance is voluntary insurance. Only a limited number of positions fall under the category of compulsory insurance.
Compared to Western countries and highly developed countries of the eastern region, the segment of property insurance is still underdeveloped in the Russian Federation. However, practice recent years shows that insuring material assets, especially against natural disasters, and receiving insurance payments can be of great help to victims.
There are a number of regions with increased seismic hazard, where earthquakes or avalanches are considered a common occurrence. These areas have their own insurance policies.
Serious climate change shows that there are practically no regions where you can feel safe. Fires and hurricanes destroy residential buildings and property of citizens for huge sums. The country also has a high level of property crimes, which tends to increase, as the number of wealthy citizens has grown. Insurance of material assets allows, if not completely, then partially to compensate for the damage caused to citizens as a result of illegal actions.
The list of insurance risks against which you can insure your movable and immovable property is quite large, but the priority ones are the following:
The most common of the fire risks are fires, which can destroy all private property in a matter of minutes. Much less often, lightning strikes occur that do not lead to a fire, but can severely damage property, such as a car. Technogenic disasters of a large scale happen quite rarely, and technogenic accidents, especially in high-rise residential buildings occur almost constantly. The most common phenomenon is the flow of water from neighbors, as a result of which the interior of the room, household appliances and furniture can be severely damaged.
A common is insurance against loss and damage to property as a result of illegal actions of third parties.
About views voluntary insurance property read .
Deliberate damage or destruction of the insured property by the owner himself, in order to receive an insurance payment, falls under the provisions of the articles of the Criminal Code.
Also, cases that occurred for the following reasons are not subject to insurance compensation:
Persons who have insured their property do not always understand the reasons for the denial of insurance payments in the cases listed, so many issues have to be resolved in court.
There is no concept of compulsory property insurance in the legislation of the Russian Federation individuals. But there is the term "imputed insurance", which is. Thus, banks minimize their risks in case of force majeure. Some banks may require you to additionally insure your life and performance. Refusal of such insurance does not entail denial of mortgage lending, but usually interest rate on a loan increases by 0.5-1.5%.
Read about mortgage property insurance.
Until recently, the principle comprehensive insurance which imposed serious financial obligations, but Rospotrebnadzor came to the conclusion that such insurance violates consumer rights and does not comply with the Mortgage Law. recipient today mortgage loan is obliged only to insure the pledge, that is, directly to the property.
When insuring real estate, losses that occurred as a result of defects made during the construction of the building or errors of designers are not subject to compensation.
The sum insured cannot exceed the real value of the property. The amount of the insured's contributions depends on the value of material assets. When evaluating works of art and antiques, independent experts may be involved.
In order to receive payment upon the occurrence insured event, the insured must perform certain actions. It is necessary to notify the insurer of the occurrence of this event within the time specified in the contract. If this item is missing, then you should focus on a period of 72 hours. Prepare and provide all information about the damage caused. It is necessary to provide the insurer with all necessary assistance in considering the insured event and assist in obtaining necessary documents. Independently take measures to reduce damage from the occurrence of an insured event.
After all the necessary checks, an act is drawn up on the occurrence of the event specified in the contract, and the policyholder can receive compensation.
With voluntary insurance movable property the following categories of insurance objects are considered:
Buildings are buildings intended for permanent or temporary residence, as well as buildings for household purposes. Such buildings must have a foundation, walls, roof, windows and doors. It is possible to insure partition walls, exterior and interior decoration, engineering Communication or the entire building. Facilities include swimming pools, gazebos, sports structures and objects of religious worship.
Incomplete objects must be missing any structural elements. It can be walls, floors, roofs or plumbing fixtures. As objects of insurance in the premises are considered completed design and Finishing work, glazing, flooring and interior fittings.
The land plot owned by the insured is subject to insurance only together with landscape design elements, if any. These include storm water and drainage system, devices for watering plants, flower beds, lawns, fountains and other design elements land plot performed by man.
Home property is the most extensive category of insurance objects. In accordance with the law on insurance material values owned by the insured are considered in three different groups:
The first group also includes carpets and lighting fixtures. The second group includes all electrical and electronic household appliances with the exception of mobile means connections. The third group includes not only jewelry modern production but also antiques, private collections and works of art. This is the hardest insurance category due to the accuracy of the expert assessment of the cost of unique items, therefore, not all insurance companies work in this segment.
The risk of losing property as a result of unforeseen events and incurring material damage in connection with this causes citizens to need insurance. The problem of insurance protection of property of citizens is resolved in market conditions both at the expense of savings of the population, and with the help of insurance. At the same time, insurance as a form of insurance protection of the property interests of the population is accessible way compensation for damage from the devastating consequences of natural disasters, fires and other events.
In accordance with article 929 of the Civil Code of the Russian Federation "for property insurance contract one party (the insurer) undertakes, for the fee stipulated by the contract (insurance premium), upon the occurrence of an event (insured event) provided for in the contract, to compensate the other party (the policyholder) or another person in whose favor the contract was concluded (the beneficiary) for the losses caused by this event in the insured property or losses in connection with other property interests of the insured (to pay insurance compensation) within the amount specified by the contract (sum insured)”.
The following can be insured under a property insurance contract: property interests:
1) risk of loss(death), shortage or damage to certain property (Article 930 of the Civil Code of the Russian Federation);
2) liability risk, arising from causing harm to life, health or property of other persons, and in cases provided for by law, also liability under contracts - the risk of civil liability (Articles 931 and 932 of the Civil Code of the Russian Federation);
3) risk of loss from entrepreneurial activity due to a breach of their obligations by the counterparties of the entrepreneur or a change in the conditions of this activity due to circumstances beyond the control of the entrepreneur, including the risk of not receiving the expected income - entrepreneurial risk (Article 933 of the Civil Code of the Russian Federation).
Property may be insured under an insurance contract in favor of a person (insured or beneficiary) who has a legal or other legal act or contract an interest in the preservation of that property.
Insurance contract property, concluded in the absence of the insured or the beneficiary of interest in the preservation of the insured property, is recognized as invalid.
A property insurance contract in favor of the beneficiary may be concluded without specifying the name or designation of the beneficiary (insurance "at whose expense"). When concluding such an agreement, the policyholder is issued an insurance policy to the bearer. When the policyholder or the beneficiary exercises the rights under such an agreement, it is necessary to present this policy to the insurer.
Under a liability risk insurance contract for obligations arising as a result of causing harm to life, health or property of other persons, the risk of liability of the insured himself or another person to whom such liability may be assigned may be insured.
Under property to be insured, such objects are understood civil rights in respect of which:
There may be an interest in their preservation, ie. which may be lost in whole or in part or be damaged as a result of a combination of circumstances;
The harm caused by this is directly monetary value.
Such objects include any things, including money, securities, and information. Of the intangible goods, such objects include business reputation which has a monetary value.
Not subject to insurance property insurance contract works, services, since they, although they have a monetary value, cannot be lost or damaged, but only the results of the performance of work or the provision of services can be lost or damaged. However, the costs of work and services may be insured under a financial risk insurance contract.
Intangible benefits inherently associated with the personality of a citizen, also do not apply to objects subject to property insurance.
When concluding an agreement property insurance between the policyholder and the insurer an agreement must be reached:
On certain property or other property interest that is the object of insurance;
- about the nature of the event , in case of occurrence of which insurance is provided (insured event);
About the sum insured;
About the duration of the contract.
There are two ways to define the object of insurance in the contract:
a) individual definition, those. description in the contract of a particular insured thing or other interest;
b) description of such object characteristics, which do not make it possible to individually determine it, but upon the occurrence of an insured event, they make it possible to unequivocally establish that it was the insured object that suffered.
Apartments, houses, dachas, buildings, household property at the request of the insured may be insured under one of four options:
Compensation for losses from all insured events, as a result of which damage to property may be caused;
When property is destroyed or damaged by fire, regardless of the reason that caused the fire;
When property is destroyed or damaged by water as a result of an accident or natural disaster;
In case of loss of property as a result of theft, destruction or damage due to illegal actions of other persons.
This procedure is most in the interests of policyholders, since insurance for individual risks is much cheaper than for the entire complex of liability. The insured chooses the risk at the conclusion of the contract, which, in his opinion, is most likely to occur.
The objects of home property insurance are apartments, household furnishings, household items and consumption items used in household and designed to meet the household and cultural needs of the family.
By special agreement articles made of precious metals, precious, semi-precious and semi-precious stones, as well as collections, paintings, unique and antique items are accepted for insurance if there is a document from the organization evaluating their value.
Items are not insured the fact of whose death from a fire or natural disaster or abduction is difficult to establish (for example, banknotes, securities, slides, photographs, documents and manuscripts).
Insurance liability covers:
Cases of destruction or damage to property as a result of natural disasters (flood, storm, hurricane, tornado, tsunami, storm, downpour, hail, collapse, landslide, avalanche, groundwater outflow, subsidence, flood, unusual for the area, prolonged rain and heavy snowfall, mudflow, lightning strike, earthquake);
Accidents: fires, explosions, collisions with vehicles, falling trees, aircraft, accidents in heating systems, water supply, sewerage, water penetration from neighboring premises, abductions, as well as illegal actions of other persons related to property damage.
The home property insurance contract is concluded on the basis of an oral or written application of the insured with or without inspection of the property, depending on the type of contract and the amount of the sum insured.
The insurance contract is usually concluded for a period of 1 year and comes into force upon payment of insurance premiums: in cash - from the next day after the payment of insurance premiums; by bank transfer - from the date of receipt of contributions to the account of the insurance organization. Other periods of insurance are also possible.
The fact of the conclusion of the contract is certified by the issuance insurance policy after payment insurance premium in whole or in part in the first term.
Insurers, who entered into home property insurance contracts for 2 or more years without interruption and did not receive insurance compensation during this time, when concluding a new contract for a subsequent period are entitled to a discount from the tariff rate.
Upon the occurrence of an insured event, the policyholder, and in his absence, an adult family member is obliged to take measures to prevent further damage to property and inform the relevant authorities, depending on the nature of the event (police, fire or emergency service) and notify the insurer within 24 hours.
Insurance act - a document confirming the fact, circumstances and practice of an insured event - is drawn up by the insurer with the participation of the insured or an adult member of his family within three days after receiving the application. In addition, in necessary cases, an appropriate specialist is invited to participate in the preparation of the act.
The amount of damage caused is determined on the basis of the data specified in the act on the destruction, damage or theft of household property, and taking into account the documents received by the insurer from the competent authorities. In this case, the subject is recognized:
- destroyed- if, as a result of an insured event, it has completely lost its qualities and value and cannot be used for its intended purpose, and after repair it cannot be brought into a condition suitable for its intended use;
- damaged- if, as a result of an insured event, the quality of the item has deteriorated, but it can be used for its intended purpose. In this case, the degree (size) of the loss of the object of its qualities and value (ie depreciation of the object) is shown as a percentage of its value. In case of destruction or theft of property, the damage is determined based on the value of the item in a new condition at the time of the insured event, reduced by the percentage of wear and tear, the resulting amount - the actual value of the item - will be the amount of damage.
Insurance indemnity is not paid:
If the insured property is destroyed, damaged or lost as a result of an event that does not apply to insured events (for example, taking possession of property by fraud, destruction and damage to the transported property as a result of a vehicle accident, if the carrier was responsible for the safety);
For items of household property that are not considered insured (for musical instruments, sports equipment, and other things rented, uniforms, things taken for temporary use, etc.);
If the insured property was located outside residential or auxiliary premises, outside the homestead (estate) plot or not at the address specified in the insurance policy;
If the kidnapping or attempted kidnapping was not reported to the police, and also when the fact of the kidnapping or the attempted kidnapping is not confirmed by the competent authorities;
If the insured event was the result of intentional actions of the insured or an adult member of his family. At the same time, the presence of intentional actions is established on the basis of a court document or a decision of the relevant authorities that conducted the investigation into this fact;
For additional damage caused by the fault of the insured or an adult member of his family in connection with the failure to take measures to save household property during an insured event and prevent its further damage (for example, for additional damage to things left in a water-filled room if it is possible to transfer them to a dry place).
Insurance organizations have right to refuse payment insurance indemnity, if the insured, and in his absence, an adult family member, having the opportunity, did not notify the insurer in the prescribed manner and on time about the destruction, damage or theft of the insured property. In this case, if the deadline for submitting an application to the insurer falls on a day off (holiday), then the last day of this period is considered to be the first working day after the weekend (holiday).
If in the property or business risk insurance contract the sum insured is set below the insured value, the insurer, upon the occurrence of an insured event, is obliged to compensate the insured for a part of the losses incurred by the latter in proportion to the ratio of the insured sum to the insured value.
In the event that property or business risk is insured only in part of the insured value, the insured has the right to carry out additional insurance , including from another insurer, but so that the total insurance amount under all insurance contracts does not exceed the insurance value.
If the sum insured specified in the property or business risk insurance contract exceeds the insured value, the contract is void in that part of the sum insured which exceeds the insured value. The part of the insurance premium paid in excess is non-refundable in this case.
If, in accordance with the insurance contract, the insurance premium is paid in installments and by the time the circumstances are established it has not been paid in full, the remaining insurance premiums must be paid in the amount reduced in proportion to the reduction in the sum insured.
If the overstatement of the sum insured in the insurance contract was the result of fraud on the part of the insured, the insurer has the right to demand recognition contract void and compensation for the losses caused to him by this in an amount exceeding the amount of the insurance premium received by him from the insured.
The above rules also apply if the sum insured exceeded the insured value as a result of insuring the same object with two or more insurers ( double insurance).
The amount of insurance compensation payable in this case by each of the insurers is reduced in proportion to the decrease in the initial sum insured under the relevant insurance contract ( indemnity).
Widely used in insurance franchise- this is the part of the loss that the insurance company does not pay, i.e. it remains at the policyholder's own deduction. The deductible can be set as a percentage of the sum insured or in a fixed amount of money, such as $ 100, and can be conditional and unconditional (it is also called a deductible deductible). With a conditional deductible, the amount of damage is not reimbursed within the amount Money that make up the franchise. If the amount of damage exceeds the deductible, then it is fully reimbursed. With an unconditional (deductible) deductible, a deductible is deducted from any amount of damage. For example, if the conditional deductible is $100, and the amount of damage is $90, then the insurance indemnity is not paid. If the amount of damage is equal to 200 dollars, then it is fully payable to the insured. With an unconditional deductible, the amount of the deductible, for example, $ 100, is deducted from the specified amount of damage of $ 200, and $ 100 (200-100) is issued to the insured.
Since an insured event is the infliction of harm as a result of exposure to a certain danger, the parties have the right to establish in the contract that the infliction of harm below a certain amount is not an insured event.
1. GENERAL PROVISIONS
1.1. These Rules contain the conditions under which the Insurance Company, hereinafter referred to as the "Insurer", concludes agreements on voluntary property insurance against fire and other hazards (hereinafter referred to as the "Insurance Agreement") with legal entities or capable individuals, hereinafter referred to as the "Insurants" .
1.2. He may act as an Insured as a person who has, based on the law, other legal act or contract interest in the preservation of property accepted for insurance, and a person who does not have the specified interest. If the Policyholder is a person who has no interest in preserving the property accepted for insurance, then in this case the Insurance Contract is concluded in favor of the Beneficiary (i.e. another person who has an interest based on law, other legal act or contract in the preservation of property accepted for insurance).
1.3. The conditions contained in these Rules and not included in the text of the Insurance Contract (insurance policy) are binding on the Policyholder (the Beneficiary) if the Insurance Contract (insurance policy) expressly indicates the application of these Rules and these Rules are set out on the reverse side of the Insurance Contract (insurance policy) or attached to it. In the latter case, the fact of receipt by the Policyholder of these Rules must be certified in the Insurance Contract (insurance policy) by the signature of the Policyholder.
1.4. The conclusion of the Insurance Contract in favor of the Beneficiary does not release the Policyholder from the performance of obligations under the Insurance Policy, unless the Policy insurance is not provided otherwise, or the obligations of the Insured are fulfilled by the Beneficiary.
The Insurer has the right to demand from the Beneficiary who has filed a claim forindemnification, performance of obligations that must previously be performed by the Insured. The Beneficiary bears the risk of consequences of failure to fulfill such obligations.
1.5. In the text of these Rules, concepts having the following meanings are used:
"fire"means uncontrolled burning outside a specially designed place, accompanied by the release of smoke, toxic products of combustion and thermal decomposition, the formation of flames and sparks, an increase in ambient temperature and a decrease in oxygen concentration;
"explosion"means the process of energy release in a short period of time,associated with an instantaneous physical and chemical change in the state of matter, leading to the appearance shock wave, accompanied by the formation of compressed gases or vapors capable of to do work;
"hurricane, cyclone (typhoon), storm, squall and tornado (vortex, tornado)" means the movement of atmospheric air at a speed of more than 20 m/s, which may be accompanied by precipitation and/or cause waves of water surfaces and/or the movement of various objects (objects);
"ice drift"means the movement of ice floes or ice fields on rivers;
"sel"means the movement from the mountains of mud or mud-stone streams;
"avalanche"means the movement down the slope of a mountain of snow and / or ice, accompanied by the formation of an air shock wave;
"landslide"means sliding displacement down the slope of the soil under the action of gravity;
"tsunami"means the disturbance of the water surface resulting from an earthquake;
"earthquake"means underground shocks and fluctuations of the earth's surface;
"volcanic eruption" means an eruption from the bowels of the Earth of hot gases, water vapor, fragments of rocks, ash and lava;
"theft"means the secret theft of the insured property;
"robbery"means open theft of the insured property;
"robbery"means theft of the insured property, committed with the use ofweapons (items used as weapons) and violence dangerous to the life or health of an individual;
"fraud" means theft of the insured property committed byfraud or breach of trust;
"misappropriation or embezzlement" means theft of the insured property committed by a materially responsible employee of the Policyholder (Beneficiary), to whom the Policyholder (Beneficiary) has entrusted the insured property;
"employee of the Policyholder (the Beneficiary)" means an individualperforming duties under civil law or employment contract concluded with the Policyholder (the Beneficiary);
"harmful substance" means a radioactive substance, nuclear materials or other substance with toxicity, explosiveness, fire hazard, high reactivity and other harmful properties or containing infectious agents diseases that may manifest themselves or through contact with others substances;
"insurable value of the insured property" (short name - "insurance value") means the actual value of the insured property in the place of its stay on the day of conclusion of the Insurance Contract;
"true value of property" means the price of property, which is determined as a result of an examination, or using information obtained from written statistics, trade inspections, stock exchanges and / or other organizations (institutions), or published in the media mass media and/or specialized literature;
"loss of property" means that the owner (owner) has no realthe ability to dispose and / or use the property at one’s own discretion, or the gratuitous seizure of property from the owner (owner);
"property damage" means the loss of property properties and value that can be restored by performing repairs that require financing in an amount not exceeding its insured value;
"destruction of property" means the irretrievable loss of property properties andvalues that cannot be restored by repair, or loss of properties and value property that can be restored by performing repairs that require financing in the amount exceeding its insurance value;
"reliable information" means information that is true at a particular point in time.
2. Insurance contract: concept and procedure for conclusion
2.1. Under the Insurance Contract, the Insurer undertakes toinsurance fee (insurance premium) upon the occurrence of an event stipulated in the Insurance Contract (of an insured event) to compensate the person in whose favor the Insurance Contract is concluded, the damage caused as a result of this event within the sum insured specified in the insurance contract.
2.2. In order to conclude the Insurance Contract, the Policyholder is obliged to:
notify the Insurer of information about the circumstances specifically stipulatedInsurer in the Insurance contract (insurance policy), application form and/or its additional written request;
provide the representative of the Insurer with the opportunity to inspect the property accepted for insurance and/or perform an examination in order to establish the actual value of such property.
2.3. The insurance contract can be concluded by:
delivery to the Insured on the basis of his written or oral application of the insurance policy, signed on behalf of the Insurer by an authorized person;
drawing up one document, called the "Contract of voluntary insuranceproperty from fire and other dangers, signed by both parties.
2.4. The Policyholder and the Insurer have the right to reach an agreement on the inclusion in the Insurance Policy of the rules providing for:
2.4.1. Assignment to the Beneficiary of the fulfillment of the obligations of the Insured.
2.4.2 . Compensation for damages in kind.
2.4.3 . Compensation for damage on the condition "Up to the first insured event". In this case, the Insurer shall indemnify only the damage caused by the occurrence of the first insured event covered by the Insurance Contract.
2.4.4. Compensation for damage caused by the loss or damage (destruction) of the insured property, which is only in the stage of operation specified in the Insurance Policy.
2.4.5 . Compensation for damage caused by the loss or damage (destruction) of the insured property that occurred in the territory of insurance specified in the Insurance Policy.
2.4.7. The possibility of excluding one or more types of expenses from the presented in paragraph 11.3 of these Rules of the list of types of expenses taken into account when calculating the amount of damages to be compensated.
2.4.8 . Insurance of property in case of its loss or damage (destruction) resulting from unlawful acts committed in the form of terrorist acts actions (acts) or by deliberate arson (explosion) or careless handling of fire.
2.4.9. Calculus in recoverable damage on the condition "Taking into account the depreciation of the insured property".
2.4.10 . Calculating the amount in recoverable damage according to one of the algorithms set out in paragraph 11.5 of these Rules.
2.4.11 . Calculation of the amount of insurance compensation on the condition "At the first risk".
2.4.12. Payment of the insurance premium in installments, i.e. multiple payments.
2.4.13 . Establishment of the moment of entry into force of the Insurance Contract other than the moment of payment of the entire amount of the insurance premium (the first insurance premium).
2.4.14 . Establishment of the moment of commencement of the insurance validity other than the moment of entry into force of the Insurance Contract.
2.4.15. Franchise establishment.
2.4.16 . Exclusion of certain provisions of these Rules from the text of the Agreementinsurance and / or its addition with provisions not set forth in the text of these Rules, if such exceptions and / or additions do not contradict the current legislation of the Russian Federation.
3. Object of insurance
3.1. The insurance contract specifies the object of insurance. Object of insuranceare the property interests of the person in whose favor the Insurance Contract is concluded, related to damage that may result from the occurrence of an insured event with insured property.
3.2. The Insurance Contract contains information about the insured property.Insured property may be at the stage of manufacture (construction) or exploitation immovable (movable) property or individual elements of such property, which belong to one of the following categories:
3.2.1. Building, structure, premises, foundation, foundation, building structures, finishing building structures and engineering equipment of a building, structure or premises.
3.2.2. Cars and equipment.
3.2.3. Transfer devices.
3.2.4. Measuring and regulating instruments, devices.
3.2.5. Computer facilities, including information carriers.
3.2.6. Pipeline main transport, reservoirs (containers) and/or gas,gas-air mixtures or liquids pumped through pipelines and/or stored in tanks(capacities).
3.2.7. Vehicles (excluding the stage of operation), namely:
rolling stock railway transport;
cars, motorcycles, scooters, motorized carriages, mopeds with outboard engines, buses, trams, trolleybuses, tractors and other self-propelled mechanisms, as well as trailers;
sea vessels, inland navigation vessels and other sea (river) objects;
aircraft and others aircrafts;
means of horse-drawn transport.
3.2.8. Space technology facilities (carrier rockets, upper stages, assembly andprotective blocks, head fairings and their systems, spacecraft, space (orbital) stations and their modules).
3.2.9. Cash and securities.
3.2.10. Containers, tanks and other types of shipping containers.
3.2.11. Tool and fixtures.
3.2.12. Production (household) stock and accessories.
3.2.13. Library fund, printed editions and technological documentation.
3.2.14. Objects related to the film fund, stage and production facilities.
3.2.15. Fishing tools.
3.2.16. Weapons and ammunition.
3.2.17. Inventory or inventory.
3.2.18. Bed linen and other types of bedding.
3.2.19. Cutlery, linen and other types of cutlery.
3.2.20. Carpets, rugs and other types of weaving products.
3.2.21. Audio - video - radio - television - photographic equipment.
3.2.22. Clothing, underwear, shoes, hats and other personal items.
3.2.23. Sports equipment, equipment, equipment and other types of sports accessories.
3.2.24. Furniture and furniture sets.
3.2.25. Electrical appliances.
3.2.26. Monuments of history, culture and architecture, objects and documents of historical and cultural value, objects of religious worship, precious metals and stones in any condition.
3.2.27. Tombstones and cemetery structures.
3.2.28. Musical instruments.
3.2.29. Space infrastructure objects (buildings, structures (including launching and technical complexes) and ground technical devices used in implementation of space activities).
3.2.30. Rare earth metals in any state.
4. Insured event
4.1. The insured event is specified in the Insurance Contract. An insured event is the loss or damage (destruction) of the insured property that occurred as a result of:
4.1.1.Fire and/or explosion.
Loss or damage (destruction) of the insured property as a result of taking measures aimed at extinguishing a fire and/or eliminating the dangerous consequences of an explosion, equated to the loss or damage (destruction) of the insured property due to the fire itself (explosion).
4.1.2.Collisions with other objects (objects) or animals.
4.1.3. Steam, condensate and/or liquid effects, including water hammer and liquid thermal expansion.
4.1.4. Illegal actions of individuals.
According to these Rules, illegal actions include: intentionaldamage (destruction) of the insured property; damage (destruction) of the insured property by negligence; hooliganism; acts of vandalism, except for cases of careless handling of fire, intentional arson and/or explosion, as well as terrorist acts or acts, unless otherwise provided in the Insurance Policy.
4.1.5.Accidents of a vehicle moving insured property.
4.1.6.Settlement of the foundation (foundation) of the insured property or building (structure) in which the insured property is located.
4.1.7.Precipitation, displacement of soil or rock.
4.1.8. Failure in the operation of a technical device used for protection, handling, processing, storage and/or transportation insured property.
4.1.9.Animal impact.
4.1.10. Exposure to radiation, radioactive contamination and/or contamination harmful substances.
4.1.11. Impact of hazardous natural phenomena.
Natural hazards include:
4.1.11.1. Lightning strike.
4.1.11.2. Hurricane, cyclone (typhoon), storm, squall and tornado (vortex, tornado).
4.1.11.3. Hail fallout, which may be accompanied by atmospheric falloutprecipitation of other types.
According to these Rules, damage (destruction) of the insured propertydue to the impact of precipitation that fell together with hail, is equivalent to damage (destruction) of the insured property due to interaction with falling hail if the insured property itself and/or the relevant protection device the insured property was damaged or destroyed due to the impact of falling hail.
4.1.11.4. Flooding, high water, rising groundwater levels and other natural hydrological phenomena that cause flooding (flooding) of land surface areas.
4.1.11.5. Ice drift, mudflow, avalanche, landslide, tsunami, earthquake and volcanic eruption.
4.1.11.6. Heating (cooling) of atmospheric air to a temperature that is higher (lower) than the corresponding seasonal and climatic norm established for the region where the insured property is located.
4.1.11.7. Atmospheric precipitation, the intensity of which is higher than the corresponding seasonal and climatic norm established for the region where the insured property is located. For the purposes of this subparagraph, precipitation refers to precipitation falling in the form of rain and/or snow.
4.1.12. Design flaws, i.e. imperfections and/or violations of establishedrules and/or norms for the design and construction of the insured property.
4.1.13. Manufacturing deficienciesthe established process for the manufacture of the insured property or repair.
4.1.14. Operational deficiencies, i.e. imperfections and/or violationsestablished rules for the operation of the insured property.
4.1.15. Fluctuations in the parameters of the communication network.
4.1.16. theft, committed in the form of theft, robbery, robbery, fraud,misappropriation or waste.
4.1.17. Forced withdrawal, carried out by order of a state body.
4.1.18. acceptance Russian Federation law that terminates the right to property.
The Policyholder and the Insurer have the right to reach an agreement on the exclusion from the text of the Contract insurance for one or more reasons specified in subparagraphs 4.1.1 - 4.1.18 of these Rules.
4.2. Loss or damage (destruction) of the insured property is not recognizedan insured event, and the damage caused by the specified events is not compensated by the Insurer, if one of the reasons for the occurrence of the specified events is:
4.2.1. Intention of the Policyholder (the Beneficiary).
4.2.2. Terrorist actions or acts.
4.2.3. Action (inaction) of the Policyholder (the Beneficiary) and/or its employees, each of which is committed or allowed as a result of the use of alcohol, drugs or other intoxicating substances.
4.2.4. Non-compliance by the Policyholder (the Beneficiary) within the established period of time with the requirements (orders) issued by the supervisory authority.
4.2.5. Breaking the rules fire safety admitted by the person who was responsible for their observance.
4.2.6. Violation of the conditions of operation of the insured property, committed by the person who was responsible for their observance.
4.2.7. Performance by the Policyholder (the Beneficiary) of work in the absence ofpermission of the supervisory authority (in the case when such permission is required).
4.2.8. Operation of the insured property by an employee of the Policyholder (the Beneficiary) who did not have a document evidencing the granting of the right to operate the insured property (in the case when such a document is mandatory).
4.2.9. Exposure to a nuclear explosion, radiation or radioactive contamination; militarymutiny, hostilities, maneuvers or other military activities; civil war, folk unrest or strike; destruction carried out by order of the state organ.
The Policyholder and the Insurer have the right to reach an agreement on exclusion from the Contract test insurance of one or more reasons specified in subparagraphs 4.2.2 - 4.2.9 of these Rules.
4.3. Loss or damage (destruction) of the insured property is not recognized insured event, and the damage caused by these events is not indemnified By the insurer, if these events have occurred:
4.3.1. Outside the territory of insurance, which is defined in the Insurance Contract, except for the case when the territory of insurance is not defined in the Insurance Contract.
4.3.2. At the stage of exploitation of the insured property not specified in the Insurance Contract, except for the case when no stage of exploitation of the insured property is specified in the Insurance Contract.
5. Sum insured and insured value
5.1. The Insurance Contract specifies the sum insured within which the Insurer undertakes to pay the insurance indemnity. Sum insuredestablished by mutual agreement between the Insured and the Insurer. The sum insured must not exceed the insured value of the insured property.
5.2. Insurance value of the insured property(short name - insurance value) means the actual value of the insured property in the place of its location on the day of conclusion of the Insurance Policy, which is determined as a result of the examination, or using information received in writing form from owners (owners), manufacturing enterprises, state authorities statistics, trade inspections, exchanges and/or other organizations (institutions), or published in the media and/or specialized literature.
5.3. If the insurance contract specifies the sum insured that exceeds the insured value, then such insurance contract is void in that part of the sum insured, which exceeds the insured value. The overpaid part of the insurance premium is non-refundable subject to.
5.4. The insurance value specified in the Insurance Contract cannot be subsequently challenged, unless the Insured has intentionally misled in relation to this value of the Insurer, which did not use its right to assess before the conclusion of the Insurance Contract insurance risk.
6. Duration of the Insurance Contract
6.1. The Insurance Contract specifies its validity period. Contract timeinsurance established by mutual agreement between the Insured and the Insurer. In the Treaty insurance period of validity can be indicated in one of two ways, namely, by indicating:
two calendar dates (start date and end date of the Insurance Contract);
a period of time calculated in years, months, weeks, days or hours, and the moment of its beginning.
6.2. Insurance (the obligation of the Insurer to pay insurance indemnity) appliesfor insured events that occurred during the term of the Insurance Contract, but not earlier than 00:00 am on the day following the day of payment of the entire amount of the insurance premium (first insurance premium), unless otherwise provided in the Insurance Contract.
6.3. The terms specified in this section are calculated according to the local time of the time zone to which the place of conclusion of the Insurance Contract belongs.
6.4. The insurance contract is terminated before the expiration of the period for which it was concluded in the following cases:
6.4.1. The parties have fulfilled their obligations stipulated by the Treaty insurance.
6.4.2. The possibility of the insured event has disappeared, and the existence of the insured risk has ceased due to circumstances other than the insured event. In this case, the Insurance Contract shall cease to be valid from the day the insurance risk ceases to exist. At the same time, the Insurer is entitled to a part of the insurance premium in proportion to the time during which the insurance was valid.
6.4.3. The Policyholder (Beneficiary) has canceled the Contract, if by the time of cancellation the possibility of an insured event has not disappeared due to the circumstances specified in subparagraph 6.4.2 of these Rules. In this case, the grounds for early termination of the Insurance Contract shall be a written application submitted to the Insurer for cancellation of the Insurance Contract. The written statement indicates the date and reasons for the refusal.
In case of early termination of the Insurance Contract, the insurance premium paid to the Insurer non-refundable, if the Insurance Contract does not provide for the return of a part of the insurance premiums.
7. Franchise
7.1. The Policyholder and the Insurer have the right to reach an agreement on inclusion in the Contractinsurance franchises. The fact of establishing a franchise is certified by indicating in the text of the Insurance Contract the type and size of the franchise.
The amount of a conditional or unconditional deductible may be indicated in monetary terms or as a percentage of the sum insured. The size of the unconditional deductible may also be indicated as a percentage of the amount of damages to be compensated.
7.2. If a conditional deductible is specified in the Insurance Contract, then the insurance indemnity is paid for the indemnified damage, the amount of which exceeds the amount of the conditional deductible.
7.3. If an unconditional deductible is specified in the Insurance Contract, then the insurance indemnity paid for that part of the indemnified damage that exceeds the amount of the unconditional deductible.
8. Insurance premium: concept, calculation and payment procedure
8.1. The insurance premium is an insurance payment that the Policyholder is obliged to pay to the Insurer. .
8.2. The amount of the insurance premium is calculated by the Insurer based on the sum insured and insurance rate. The insurance rate is considered equal to the base insurance rate or calculated by multiplying the basic insurance rate and the adjustment factor(s).
8.3. The insurance premium is paid as a lump sum, i.е. in one payment. Insurerhas the right to provide the Insured with the opportunity to pay the insurance premium in installments.
The Insurance Contract may define the consequences of non-payment of the insurance premium (insurance premium) within the prescribed period.
8.4. Unless otherwise provided by the Insurance Policy, the day of payment of the amount of the insurance premium (insurance fee) is considered:
the day of receipt of the entire amount of the insurance premium (insurance fee) to the bank account of the Insurer in the case when the payment is made in a non-cash manner;
the date of receipt of the entire amount of the insurance premium (insurance premium) by an authorized representative of the Insurer or the payment of the entire amount of the insurance premium (insurance premium) to the cash desk of the Insurer in the case when the payment is made in cash.
9. Change in insurance risk
9.1. During the validity period of the Insurance Contract, the Policyholder is obliged to immediately notify the Insurer in writing of any significant changes that have become known to him in the circumstances reported to the Insurer upon conclusion of the Insurance Contract. Significant changes are any changes in the information specified in the Insurance Contract (insurance policy), a written application for insurance and / or a written response of the Policyholder addressed to the Insurer.
9.2. The insurer notified of the circumstances entailing an increase in the insurancerisk, has the right to demand a change in the terms of the Insurance Policy or payment additional amount insurance premium in proportion to the increase in the degree of insurance risk. If the Policyholder objects to changing the terms of the Insurance Policy or paying an additional amount of the insurance premium, the Insurer has the right to demand termination of the Insurance Policy in accordance with the current legislation of the Russian Federation.
9.3. If the Insured fails to fulfill the obligation provided for in clause 9.1real of the Rules, the Insurer has the right to demand termination of the Insurance Contract and indemnification losses caused by the termination of the Insurance Contract, in accordance with the current the legislation of the Russian Federation. The Insurer shall not be entitled to demand termination of the Insurance Contract if the circumstances entailing an increase in the insured risk have already disappeared.
10. Obligations of the parties in the event of an insured event
10.1. After the Policyholder has become aware of the occurrence of an insured event, the Policyholder is obliged to:
10.1.1. Take reasonable and affordable measures in the current situation to reduce the damage indemnified by the Insurer. When taking such measures, the Policyholder is obliged to follow the instructions of the Insurer, if such instructions are given to him.
10.1.2. Take reasonable and accessible measures in the current situation to identify the person who is liable for the damage, and if such a person is identified, file a claim for damages in accordance with the established procedure.
10.1.3. Report the occurrence of an insured event to state bodies that are authorized to investigate the circumstances and causes of the occurrence of an insured event. In particular, you must state:
to the bodies of the State Inspectorate for Road Safety (GIBDD - GAI) if the insured property is damaged (destroyed) as a result of road traffic transport accident;
to the bodies of the State Fire Service, if the insured property is damaged (destroyed) as a result of a fire;
to the territorial division of the Ministry of Internal Affairs or the Prosecutor's Office, if the insured property is damaged (destroyed) or lost as a result of illegal actions.
10.1.4. Notify the Insurer by any available means of the occurrence of an insured event within three business days from the date on which the Policyholder became aware of the occurrence of an insured event. In this case, the notice must contain:
registration number of the Insurance Contract (insurance policy);
information about the Policyholder, the Beneficiary, as well as the owner of the insured property (information about the owner of the insured property is provided if the Policyholder (the Beneficiary) is not the owner of the insured property);
information about the nature of the insured event, as well as the date, time and place of its occurrence;
the date when the Policyholder received information about the occurrence of the insured event, and a description of the circumstances of obtaining such information.
The insurance contract may provide for a different period and/or other methodnotification of the Insurer about the occurrence of an insured event.
10.1.5. Notify the owner of the insured property of the occurrence of the insuredcase, if the person in whose favor the Insurance Contract is concluded is not the owner of this property.
10.1.6. Preserve the appearance and condition of the damaged property (remains of property) until it (their) inspection by the representative of the Insurer and not start without the consent of the Insurer the repair or disposal of property, unless the performance of this obligation prevents conducting emergency rescue operations and / or following orders and orders representatives of state bodies.
10.1.7. Provide the Insurer's representative with the opportunity to:
inspect damaged property (remains of property) or the place where it wasthe insured property was stolen;
establish the fact, causes and circumstances of the insured event;
determine the amount of damage;
verify the accuracy of the information provided by the Insured for the purpose of concluding, amending and / or supplementing the Insurance Contract, including with a view to establishing the fact of an increase in the insurance risk.
10.1.8. Participate in the inspection of damaged property (remains of property) or the place where the property was stolen from.
10.1.9. Submit to the Insurer a written application for compensation for damage and provide the documents requested by the Insurer.
10.2. After the Insurer has received notification of the occurrence of an insured event, he is obliged to inform the Policyholder (the Beneficiary) of the list of documents that necessary provide to the Insurer. The insurer has the right to demand from the insured(of the Beneficiary) the following documents (originals or duly certified copies):
10.2.1. Documents confirming the fact, causes and circumstances of the occurrenceinsured event. Such documents include, in particular:
photo-movie-video materials, descriptions, sketches, plans and / or diagrams on which the appearance damaged property (remains of property) and its location relative to the environment after the occurrence of the insured event, if the provision of such documents is expressly provided for by the Insurance Policy;
a document issued by a subdivision of the state body that producedinvestigation of the circumstances and causes of the insured event;
conclusion about the circumstances and causes of the insured event;
document issued government agency in charge of monitoringthe state of the environment, containing information about natural hazards occurring in the area where the insured property is located (provided in case of damage (destruction) of the insured property due to the impact of natural hazards);
a decision to initiate or refuse to initiate a criminal case upon the occurrence of an insured event (provided in the case when law enforcement agencies are required to participate in the investigation of the circumstances and causes of the occurrence of an insured event);
decision to terminate (suspend) a criminal case initiated on the factthe occurrence of an insured event (provided in the event of termination (suspension) of a criminal case);
a court verdict that has entered into force in a criminal case initiated on the fact of an insured event that occurred as a result of the intent of the Policyholder and/or the Beneficiary;
information about the person responsible for compliance with fire safety rules;
information about the person responsible for compliance with the rules of operation of the insured property;
information about the person who operated the insured property.
10.2.2. Documents confirming the right of the Policyholder (the Beneficiary) toreceive compensation for damages. Such documents include, in particular:
documents evidencing the acquisition by the Policyholder (the Beneficiary) of ownership and other real rights to the insured property, if, in accordance with the current legislation of the Russian Federation, the acquisition of these rights is carried out on the basis of a written document;
the original of the insurance policy issued to the bearer;
documents that ensure the acquisition by the Insurer of the right of ownership tostolen property if found;
documents that ensure the acquisition by the Insurer of the right of ownership to the remains of the property in the event of its destruction.
10.2.3. Documents containing information necessary to calculate the amount of the reimbursed damage.
Such documents, in particular, include documents containing information:
on expenses incurred or to be incurred by the Insured (the Beneficiary) in order to pay for the repair of damaged property (acquisition of property similar to that destroyed or lost);
about the value of the property.
10.2.4. Documents confirming the expenses incurred by the Insured(Beneficiary) in order to reduce the damage indemnified by the Insurer, or to fulfill the written instructions of the Insurer.
10.2.5. Documents required for the Insurer to exercise the right to claim against the person responsible for the damage.
10.2.6. Documents confirming the accuracy of the information provided to the Insurer for the purpose of concluding, amending and / or supplementing the Insurance Policy.
10.3. After the obligations listed in clauses 10.1 and 10.2 of these Rules are fulfilled, the Insurer is obliged, within 15 days, to ensure the possibility of receiving (transferring) the amount of insurance compensation, or to notify the Policyholder (Beneficiary) in writing of the refusal to pay insurance compensation.
If the Insurer's obligation to pay insurance indemnity applies to an insured event that occurred before the moment of payment of the insurance premium (first insurance premium), then the payment (refusal to pay) the insurance indemnity is made no earlier than 00:00 on the day following the day the Insurer receives the entire amount of insurance premiums (first insurance premium).
11. Procedure for compensation for damage and calculation of the amount of insurance compensation
11.1. The damage is compensated by paying the monetary amount of the insurance indemnity, except for the case when the terms of the Insurance Contract provide for compensation damage in kind. If, under the terms of the Insurance Policy, compensation for damage in kind, then in this case, compensation for damage is carried out within the calculated amount of insurance compensation by ensuring the repair or provision of property of the same kind and quality.
11.2. The insurer is released from the obligation to compensate for damage in kind, but compensates for the damage by paying the amount of insurance indemnity, if at least one of the three conditions is met:
the amount of expenses required to pay for the repair is greater than the amount of the insurance indemnity;
the amount of expenses necessary to pay for the acquisition of property similar todestroyed (lost), more than the amount of insurance compensation;
damage is indemnified both under the Insurance Contract concluded on the terms of these Rules, and under other Insurance Contracts.
11.3. In case of damage the insured property the amount of damages to be compensated is calculated by summing up:
payment expenses drawing up estimates for repairs;
payment expenses acquisition of parts, assemblies, assemblies, mechanisms, materials and components. The insurance contract may provide for the possibility of calculating the indemnified damage on the condition "Taking into account the depreciation of the insured property". In accordance with this condition, the costsfor payment for the purchase of parts, assemblies, assemblies, mechanisms, materials and componentsreimbursed in the part determined by the percentage of depreciation of the insured property specified in the Insurance Contract;
expenses for payment for the transportation of parts, assemblies, assemblies, mechanisms, materials and components and / or damaged property to the place of repair work;
payment expenses decontamination (degassing) of contaminated (contaminated) property;
payment expenses testing and/or certification of refurbished property;
payment expenses repairs, including dismantling and disposal of damaged elements of the insured property.
The insurance contract may provide for the possibilityexclusion of one or more types of expenses from the presented in the previous paragraph of the list of types of expenses taken into account when calculating the amount of damages to be compensated.
If the amount of damages to be compensated, calculated in accordance with the content of this paragraph, is greater than the insurance value or the damaged property cannot be restored, then such property is recognized as destroyed, and the amount of damages to be compensated is calculated in accordance with the content of paragraph 11.4 of these Rules.
11.4. In case of destruction or loss of the insured property sumof the indemnified damage is considered to be equal to the positive difference between the insured value and the value of the remaining property.
If the Insurer and the Policyholder (the Beneficiary) have reached an agreement on the transfer to the Insurer of the ownership of the remains of the property, and the Policyholder (the Beneficiary) fulfilled the obligation to transfer ownership, the amount of damages to be compensated considered equal to the insurance value.
11.5. The insurance contract may specifyanother way of calculating the amount of the reimbursed damage resulting from damage (destruction) or loss of the insured property, namely:
11.5.1. The amount of damages to be compensated is considered equal to:
the difference between the insured value and part of the value of the insured's balance property, which is proportional to the ratio of the insurance value to the actual the value of the insured property, determined at the place and at the time of the onset of the insured event, if the actual value exceeds the insured value;
the difference between the actual value of the insured property, determined at the place and at the time of the onset of the insured event, and the value of the remains of the insured property, if the actual value does not exceed the insured value.
11.5.2. The amount of damages to be compensated is considered equal to:
insurance value, if the amount by which the actual value of the insured property has decreased exceeds the insurance value;
the amount by which the actual value of the insured property has decreased, if this amount does not exceed the insured value.
11.5.3 The amount of indemnified damage is considered equal to:
a positive difference between the sum insured and the value of the remains of the insured property, if the actual value of the insured property, determined at the place and at the time of the onset of the insured event, exceeds the sum insured;
the difference between the actual value of the insured property, determined at the place and at the time of the onset of the insured event, and the value of the remains of the insured property, if the actual value does not exceed the sum insured.
11.6. Not refundable:
damage resulting from intentional non-performance by the Insured(Beneficiary) of the obligation provided for in subparagraph 10.1.1 of these Rules;
losses, arising as a result of the natural loss of the insured property, which is due to its physical and chemical properties;
lost profit arising from the loss of the commodity value of the insured property.
11.7. In the event that an unconditional deductible is established under the Insurance Policy, the amount of the unconditional deductible is deducted from the amount of indemnified damage.
11.8. The amount of insurance indemnity is considered to be equal to the product of the amount of damage to be compensated and the ratio of the sum insured to the insured value.
If the Insurance Contract provides for the calculation of the amount of insurance indemnity on the condition "On the first risk", then the amount of insurance indemnity is considered to be equal to:
the amount of indemnified damage, if the amount of indemnified damage does not exceed the sum insured;
the sum insured, if the amount of indemnified damage exceeds the sum insured.
11.9. If the amount of insurance compensation calculated in accordance with the content of paragraph 11.8 of these Rules, more difference between the sum insured and the previously accrued (paid) amounts of insurance indemnity, the calculated amount of insurance indemnity is reduced and is considered equal to the specified difference.
11.10. The Insurer reimburses part of the expenses incurred by the Insured (the Beneficiary) in order to reduce the damage indemnified by the Insurer, if such expenses were necessary or were made on the written instructions of the Insurer, even if the measures taken were unsuccessful. Reimbursement of the part of the expenses that proportional to the ratio of the sum insured to the insured value, and regardless of the fact that the specified part of such expenses in the amount of the insurance indemnity may exceed the sum insured.
11.11. The insurer is released from paying the amount of insurance indemnity (indemnity damage) and reimbursement of expenses specified in paragraph 11.10 of these Rules, in the following cases:
11.11.1. The Policyholder (the Beneficiary) failed to fulfill the obligation stipulated by subparagraph 10.1.4 of these Rules, except for the case when it is proved that the Insurer has learned about the occurrence of the insured event in a timely manner, or the Insurer does not have knowledge of this could not affect his obligation to pay damages.
11.11.2. The Policyholder (the Beneficiary) did not provide the Insurer with the original insurance policy issued to bearer.
11.11.3. The Policyholder (the Beneficiary) has waived his right to claim against the person responsible for the damage, or the exercise of this right has become impossible due to the fault of the Policyholder(the beneficiary).
11.11.4. The amount of indemnified damage does not exceed the deductible amount established under the Insurance Policy.
12. Subrogation
12.1. To the Insurer that paid the insurance indemnity (reimbursed for damage),passes within the amount of the insurance indemnity, the right to claim, which the Policyholder(Beneficiary) has to the person responsible for the losses.
12.2. The right of claim transferred to the Insurer shall be exercised by it in compliance with the rules governing relations between the Policyholder (the Beneficiary) and the person responsible for the losses.
12.3. The Policyholder (Beneficiary) is obliged to transfer to the Insurer all documents and evidence and inform him of all the information necessary for the Insurer to exercise the right of claim transferred to him.
13. Procedure for resolving disputes
If it is impossible to reach an agreement on controversial issues, their decision is transferred for consideration by the judicial authorities in the manner prescribed by the current legislation of the Russian Federation.
Classification of property insurance| Types of insurance | Varieties of insurance | Form of insurance | System of insurance relations |
| Property insurance |
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Mandatory and voluntary | Insurance; coinsurance; double insurance; reinsurance; self-insurance. |
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| and financial risks |
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Property insurance is a system of relations between the insured and the insurer for the provision of insurance services by the latter, when protection property interest associated with the possession, use or disposal of property. The economic purpose of property insurance is to compensate for damage caused by an insured event.
According to the Civil Code of the Russian Federation, the following property interests can be insured under a property insurance contract:Specific insured events are stipulated in the insurance contract. The nature of the insured risk is established by agreement between the insured and the insurer.
Property insurance (in a complex or separately) can be reimbursed for:The insurance indemnity is a partial compensation for the loss. The insurance indemnity may not exceed the amount of damage to the insured property of the insured or a third party, unless the insurance contract provides for the payment of insurance indemnity in a certain amount.
The basis for the insurer's obligations to pay insurance compensation is the presence of certain economic and legal consequences of damage, death or loss of the insured's property, i.e. the presence of a loss.
Sum insured- the amount of money specified in the insurance contract or established by law, for which material assets are insured. Within the limits of the sum insured, the insurer is obliged to make a payment upon the occurrence of an insured event. size limit The sum insured is established by law: it cannot exceed the actual (insurance) value of the property at the time of the conclusion of the contract. The sum insured must not exceed the insured value of the insurance object.
When insuring property, the sum insured is determined and stipulated by the insurance contract.
If a sum insured corresponds to the insured value, then the property is considered to be insured in full and losses are compensated in full. If the sum insured is less than the insured value, the insurance indemnity is paid within the limits of the sum insured.
The insured value of real estate, industrial, technological and office equipment is determined as:Insurance value of goods, raw materials, materials, finished products determined based on the amount required for their acquisition.
If a the sum insured is higher than the sum insured, then the insurer must demand that the sum insured be immediately reduced to the amount of the insured value, with a corresponding proportional reduction in the insurance premium. By virtue of law, an insurance contract is recognized as invalid in that part of the sum insured that exceeds the actual value of the property at the time of conclusion of the contract. In this case, the excess paid part of the insurance premium is non-refundable.
If it turns out that the overstatement of the sum insured is the result of fraud on the part of the insured, then the insurer has the right to demand that the contract be recognized as invalid and compensation for the losses caused to it in an amount exceeding the amount of the insurance premium received by him.
Insurance compensation- payment amount from insurance fund to cover damages in property insurance and in insurance of the insured's civil liability for material damage to third parties. The insurance indemnity may be equal to or less than the sum insured, based on the specific circumstances of the insured event and the terms of the insurance contract.
The basis for the payment of insurance indemnity is the opinion of the adjuster on the fact and circumstances of the insured event.
Adjuster- an individual or legal entity representing the interests of the insurance company in resolving issues related to the settlement of the declared claims of the insured in connection with the insured event. The adjuster seeks to reach an agreement with the policyholder on the amount of insurance compensation payable based on the obligations of the insurer under the insurance contract concluded by him.
The responsibilities of the adjuster are to establish (in connection with the insured event):There are four ways to recover damages: monetary compensation, repair, replacement, restoration.
The text of the contract usually gives the insurer the right to choose one or another form of compensation. The most commonly used form is money. It is advantageous to use "natural" forms of compensation for damage in such types of insurance as insurance of glass, cars, and real estate.
In order to receive an insurance indemnity, the client must submit his claim for an insured event within the prescribed period and according to prescribed form. The insured event must be documented. This requires documents from the competent authorities (conclusion of the State Fire Supervision Authority, Technical Supervision, the relevant emergency service, an expert opinion, a decision to initiate a criminal case, a court decision or verdict, etc.). The documents confirm the existence of an insured event, the reasons for its occurrence and the guilty person. The obligation to provide documents rests with the insured.
When settling damages, the policyholder must ensure that:The basis for determining the amount of insurance indemnity is the actual value of the insured property as of the date of occurrence of the insured event. The sum insured for each insured object is compared with its actual value; in case of discrepancy, the principle of proportionality is used.
Losses are reimbursed:Complete loss of property occurs if the restoration costs exceed the actual value of the insurance object immediately before the occurrence of the insured event.
Restoration and repair costs do not include costs associated with the change, improvement, modernization or reconstruction of the insured object, auxiliary or preventive repairs, as well as other costs not related to the insured event.
double insurance- this is a variant of repeated insurance with several insurers of the same interest against the same risks, when the total insurance amount exceeds the insurance value of the object. The total amount of insurance indemnity cannot exceed the amount of loss incurred by the insured, regardless of the number of policies purchased. The concepts of multiple and double insurance differ. Multiple, or additional, insurance takes place if the same interest is insured against the same danger during the same period in several insurance companies and the total sum insured under all contracts does not exceed the insured value of the object. Multiple insurance is not prohibited by law.
If the fact of double insurance was discovered before the occurrence of the insured event, the total sum insured under the contracts must be adjusted and not exceed the insured value. In this case, the policyholder may demand that the insurance amount of the contract, which was concluded later, be reduced with a corresponding reduction in the insurance premium. The part of the insurance premium paid in excess is non-refundable.
If the fact of double insurance is discovered after the occurrence of the insured event, the insurance is void in that part of the total sum insured which exceeds the insured value. The insurers are obliged to pay the insurance indemnity to the insured, total amount which should not exceed the amount of damage. The amount of insurance compensation payable by each of the insurers is reduced in proportion to the decrease in the initial sum insured under the contract.
The insurance rules state that the policyholder is obliged to inform the insurer about all insurance contracts concluded with other insurance companies in relation to the insured property. In the application for insurance, the policyholder answers this question.
This provision may be included in the text of the insurance contract. It is additionally indicated that upon discovery of the fact of double insurance, the insurance company is released from the obligation to pay insurance compensation under this agreement.
In the Russian Federation, in the presence of double insurance, insurers are liable within the limits of the insured value of the insured interest, and each of them is liable in proportion to the sum insured under the concluded insurance contract.
The amount, conditions and method of insurance compensation for loss in property insurance depend on the system of insurance liability.
Insurance liability system determines the ratio between the sum insured of the insured property and the actual loss, i.e. the degree of compensation for the resulting damage.
The following insurance systems apply:
1. When real value insurance the amount of insurance compensation is determined as the actual value of the property on the date of conclusion of the contract.
The insurance indemnity is equal to the amount of damage. Full interest is insured here.
Example. The cost of the insurance object is 5 million rubles. As a result of the fire, property was destroyed, i.e. the loss of the insured amounted to 5 million rubles. The amount of insurance compensation also amounted to 5 million rubles.
2. Proportional liability insurance means incomplete insurance of the value of the object.
The amount of insurance compensation for this system is determined by the formula
Example. The cost of the insurance object is 10 million rubles, the sum insured is 5 million rubles. Loss of the insured as a result of damage to the object - 4 million rubles. The amount of insurance compensation will be: 5 * 4/10 = 2 million rubles.
When insuring under the proportional liability system, the participation of the insured in compensation for damage is manifested, i.e., the insured takes part of the risk. The greater the compensation for damage at the risk of the insured, the lower the degree of insurance compensation. In other words, partial interest is insured here.
3. First risk insurance provides for the payment of insurance compensation in the amount of damage, but within the limits of the sum insured. Under this system, all damage within the sum insured (the first risk) is compensated in full.
Damage in excess of the sum insured (second risk) is not indemnified.
Example. The car is insured under the first risk system in the amount of 50 million rubles. The damage caused to the car as a result of the accident amounted to 30 million rubles. Insurance indemnity is paid in the amount of 30 million rubles.
Example. The property is insured under the first risk system in the amount of 40 million rubles. The insurance indemnity is paid in the amount
40 million rubles
4. When fractional part insurance There are two sums insured:
At the apparent cost, the insured usually receives risk coverage, expressed in natural terms or as a percentage. The liability of the insurer is limited to the size of the fractional part, so the sum insured will be less than its apparent value. The insurance indemnity is equal to the damage, but cannot exceed the sum insured.
In the case when the apparent value is equal to the actual value of the object, insurance under the fractional part system corresponds to insurance of the first risk.
If the apparent value is less than the actual value, the insurance indemnity is calculated according to the formula
Example. The value of the insured property is shown in the amount of 4 million rubles, the actual value is 6 million rubles. As a result of the theft, the damage amounted to 5 million rubles. Insurance indemnity is paid in the amount of 3.3 million rubles.
5. Replacement cost insurance means that the insurance indemnity for the object is equal to the price of a new property of the corresponding type. Depreciation of property is not taken into account.
Insurance at replacement cost complies with the principle of completeness of insurance coverage.
6. Limit liability insurance means the presence of a certain limit of the amount of insurance compensation. Under this security system, the amount of damages compensated is determined as the difference between a predetermined limit and the level of income achieved. Limit liability insurance is usually used for large risk insurance, as well as for income insurance. If, as a result of an insured event, the level of income of the insured is less than the established limit, then the difference between the limit and the income actually received is subject to compensation.
Decree of the Government of the Russian Federation No. state regulation insurance in the field of agro-industrial production" dated November 27, 1998 No. 1399, it was established that:When indemnifying crop losses, it is considered that its loss in the amount of 30% (i.e., over 70%) is not related to the insured event, but is a violation of the production technology by the insured.
Example. The average cost of a carrot harvest in comparable prices amounted to 320 thousand rubles. from 1 ha. The actual yield is 290 thousand rubles. The damage is compensated in the amount of 70%. Calculate the loss from the harvest: 320 - 290 \u003d 30 thousand rubles. Hence the amount of insurance compensation is 21 thousand rubles. from 1 ha.
Various clauses and conditions can be introduced into the insurance contract, which are called clause(lat. clausula - conclusion). One of them is.
The insurance conditions combine in one policy the risks of fire, theft, natural disasters, accidents, water intrusion from other premises, deliberate illegal actions of third parties and others, leading to the death or partial loss of property. Such insurance contracts are subject to standard exclusions from insurance coverage common to all types of property insurance.
Insurance tariffs are calculated for each risk separately, then the total tariff rate is displayed in relation to the conditions "against all risks", which is valid during the term of the contract.
Allocate three groups of insurance objects into which the property of citizens is divided: buildings; apartments owned by citizens on the right of private ownership; home property. The insured may be the owners of houses, apartments and auxiliary buildings, responsible tenants, tenants and tenants of residential premises.
The insured value of a building is determined on the basis of its replacement value at current prices, taking into account the amount of depreciation. Price privatized apartment is calculated at the full replacement cost, calculated on the basis of its total area and prevailing in this region average cost square meter area.
Household property in the insurance are household furnishings, household and consumption items intended for use in private households in order to meet domestic and cultural needs, as well as elements of decoration and equipment of apartments.
The sums insured are established on the basis of the actual value of the property at the time of conclusion of the contract as a result of an agreement between the parties.
Features of the insurance contract:The main contract applies to property owned by the insured (except for animals and crops). Under an additional agreement, property accepted by the insured from other organizations and the public and specified in the insurance application is subject to insurance.
An additional insurance contract can be concluded only if there is a main contract, therefore it is called additional. Its term does not exceed the term of the main one.
Commercial timber, firewood at logging sites and during rafting, sea and fishing vessels while on the lines of communication, documents, drawings, cash and securities are not subject to insurance.
An insurance contract for property owned by an enterprise may be concluded for its full value or for a certain share (percentage) of this value, but not less than 50% of the book value of the property.
The building insurance contract is concluded at a cost not lower than the balance of the debt on loans issued for their construction.
The following property values are used:Property insurance is carried out in case of death or damage as a result of a fire, lightning strike, explosion, flood, earthquake, ground subsidence, storm, hurricane, downpour, hail, collapse, landslide, groundwater, mudflow and accidents, including means of transport, heating, water and sewer systems, as well as illegal actions of third parties.
In insurance of property of enterprises, the rates are differentiated according to the sectoral affiliation of the insurers. Reduced Rates from 0.10 to 0.15% apply if the company insures all of its property, but if only part of the property is insured (selective insurance), then the payment rates increase significantly. Insurance of property against burglary (robbery) and vehicles against theft is carried out at a special rate. Most high stakes payments are provided for insurance of machinery, equipment and other property for the period of experimental or research work.
For enterprises that have insured property at full value for 3-5 years or more and have not received insurance compensation, insurance premiums reduce, applying in the amount corresponding to the duration of the break-even period. Discounts apply to property that meets the fire safety requirements set forth in regulatory and regulatory documents.
When insuring property for up to 9 months, payments are calculated for each month in the amount of 10% of annual rate, and in case of insurance for 10-11 months - in the amount of the annual rate.
Insurance indemnity is paid for all lost or damaged property, including property received by the insured during the term of the contract, regardless of the location of the property at the time of loss or damage. In case of loss or damage to the insured property during transportation, the insurance indemnity is paid in the event that the legislation or the contract of carriage does not establish the carrier's liability for the loss or damage to the cargo.
Insurance indemnity is paid for property accepted from other organizations and the population, in case of loss and damage to it only in the places (shops, warehouses, workshops, etc.) specified in the insurance application, as well as during the transportation of this property, for unless the carrier is liable.
The insured is reimbursed for the costs associated with saving property, for preventing and reducing damage in the event of a natural disaster or accident (moving property to a safe place, pumping water, etc.), as well as for putting the insured property in order after a natural disaster (cleaning, sorting, drying, etc.).
An agricultural enterprise can insure:Insured events of fixed and circulating agricultural funds are: death or damage as a result of floods, storms, hurricanes, downpours, hail, collapses, landslides, groundwater, mudflows, lightning strikes, earthquakes, subsidence, fires, explosions and accidents, and long-term plantings - in case of their death as a result of the disasters listed above, as well as drought, frost, diseases and plant pests. As well as a sudden threat to property, as a result of which it is necessary to disassemble it and move it to a new location. For fishing, transport and other vessels and fishing gear in operation, insured events include loss or damage as a result of a storm, hurricane, storm, fog, flood, fire, lightning strike, explosion, accident, ice damage, as well as loss missing or running ships aground due to natural disasters.
Hello, friends! It would seem that the summer has already passed, which means that the season of mass holidays is already over, and the issue of property insurance does not seem to be very relevant now. But let me disagree with you. Do not forget that it is already November, and then winter. And this means that we are waiting for a new series of holidays and weekends in November and New Year holidays, new travel and vacation trips.
And for apartment thieves, just like during summer holidays, the real “golden” time is coming. In addition, for some reason, it is precisely in the absence of owners that other troubles most often occur in apartments, such as, for example, a flood due to negligent owners or due to the fact that pipes suddenly burst unexpectedly ...
The most important thing is that for some time we have to leave our property without a master's supervision, and this causes some concern. And sometimes gloomy thoughts prevent you from resting calmly, completely relaxing and forgetting about all your problems for a while.
You can, of course, drive these thoughts away from yourself by an effort of will. But, unfortunately, our experiences and bad forebodings cannot always be considered absolutely unfounded and groundless. After all, it is the time of holidays that is considered the most risky, because these days the number of burglaries and car thefts, the number of incidents and accidents are sharply increasing.
Alas, the statistics are disappointing and sad. Every minute in Russia, someone is left without a roof over their head because of an unturned iron, an unextinguished cigarette, an old electrical wiring caught fire, or simply because of someone's carelessness and criminal negligence. And someone, returning from work or vacation, suddenly discovers the loss of all valuables, an open door, a broken window.
But not only fires and theft are a cause for concern. For example, in Moscow, more than 10,000 accidents and bays occur per day. And this despite the fact that Moscow communications are more modern and reliable than, say, in any small town.
And the cost of repairs after a fire or flood in some cases may exceed the cost of the housing itself. Indeed, often you have to restore not only your housing, but also compensate for the damage to all neighbors who have suffered because of your trouble.
How can you protect your property and ensure a relaxing holiday? There is an exit. And in fact, this can be done much easier than we think. To do this, you just need to contact one or another insurance company and take out a property insurance policy.
As always, a little theory. What is property insurance and why we need it is probably clear to everyone. In short, this is the only (and inexpensive) way for owners country houses, dachas and apartments to reduce their costs and damages in case of any incidents, such as, for example, flooding, fire, burglary, domestic gas explosion, natural disasters.
In our country, we ourselves decide voluntarily whether to insure our property or not. Such freedom of action gives us the right to determine for ourselves what we want to insure, for how much and against what risks, and to choose the insurance program that suits us the most.
And the second plus of this type of insurance is the low cost of insurance. This is due to the low (for example, in comparison with transport insurance) unprofitability on this species insurance.
In different insurance companies, the conditions and objects of insurance may vary. But the basic for all are the house, cottage, apartment, building (garage, outbuildings, warehouse), furniture and interior items, decoration, as well as Civil responsibility those who live in the apartment.
But there are exceptions to this rule, and some of the listed objects cannot be insured for a certain reason.
For example, these can be emergency and dilapidated buildings (structures), documents (plans, manuscripts, accounting documents, drawings), technical media (discs, cassettes), alcoholic beverages and tobacco products, food products, explosives. As well as property located in a zone of increased danger due to natural disasters or military operations, leased property with a lease term that ends earlier than the expiration date of the insurance contract.
It can be:
Insurance coverage excludes insured events that occurred as a result of deliberate actions of the insured or one of his family members, or if they violated fire safety standards and sanitary requirements during the operation of household appliances. And also if, in the event of an insured event, the insured did nothing to prevent further damage to the object and reduce the damage.
There are two types of insurance programs: classic programs and "boxed" products.
Classic Insurance implies individual work a representative of the company with the client and the object of insurance (its inspection, a detailed inventory of the object, etc.)
"Boxed" products is a type of insurance with a pre-designed program and a certain set of risks, conditions and sums insured.
A “boxed” product is issued quickly, with a minimum set of documents, without a pre-insurance inspection and analysis of the risks associated with the insurance of this object.
The “boxed” product, as a rule, includes insurance for the structure of the apartment (partitions, walls, ceilings), interior decoration (covering the floor, ceiling, walls, interior doors), movable property (furniture, household items, household appliances) and damage third parties (civil liability).
In each case, this is determined individually, depending on the requirements of the insurance company.
But in most cases, to draw up an insurance contract under the classic program, the insured will need:
But if an individual draws up a “boxed” product, only the passport of the insured, who is a citizen of the Russian Federation, is required.
Consider how to insure property using the example of the Uralsib insurance company. The insurance policy of this company "City Apartment" is just an example of "boxed" insurance, which involves protection against fires, bays (including compensation for damage to neighbors whom you flooded), from all kinds of accidents due to burst pipes, sewer leaks and defective batteries, from household gas explosions, from natural hazards (such as, for example, lightning strikes, hurricanes, floods), from burglaries and robberies.
The cost of the policy may vary. It depends on the list of insurance objects and on the sum insured, which you choose yourself. For example, in the Uralsib company, you can issue two types of the City Apartment policy: for 2000 and for 5000 rubles.
Let's see how they differ.
By purchasing a policy for 2,000 rubles, you purchase insurance for a year with coverage of 300,000 rubles. In this case, household property (housing, furniture, valuables) is insured for 165,000 rubles, and the decoration of the apartment and its repairs are also insured for 165,000 rubles.
By purchasing a policy for 5,000 rubles, you will receive insurance for a year with a coverage of 830,000 rubles, broken down by household property - 415,000 rubles and 415,000 rubles for the repair and decoration of the apartment.
Traditionally, by contacting the insurance company. Or, which is much easier, via the Internet, literally in one minute. And you don't have to go anywhere. You can pay for the policy in any way that is convenient for you. After that, it remains only to get a policy for your email and print it. If an insurance policy is issued online at the Uralsib insurance company, it begins to operate within 5 days after payment.
The first thing to do is to quickly inform the insurance company about what happened, and no later than the period specified by the insurer in the contract.
To receive insurance payments, you must provide the policyholder's passport, insurance policy, insurance contract, receipt of payment for the insurance policy, documents from the competent authorities confirming the occurrence of the insured event.
Now you know how to protect your home from trouble and save your money. This is especially true if you are often absent from home, rent or rent an apartment, just made repairs and bought new furniture and appliances.
The main thing is to choose the right insurance company (you should pay attention to how long the company has been operating on the market, ratings and reviews) and carefully consider the drafting of the contract (study the insurance rules in this company, the terms of insurance, specify the necessary risks and insurance payments), because a correctly and accurately drawn up contract will allow you to quickly and easily receive an insurance payment.
If you need help with obtaining an insurance policy, please contact us.
