Like other financial institutions, Rusfinancebank offers credit clients contracts for various types of insurance. At the same time, bank employees often talk about insurance as mandatory for obtaining a loan, although this is not true. In particular, after the payment of the insurance premium in some cases can be returned. Consider how you can return the loan insurance in Rusfinancebank.
The bank offers the following types of loans:
Insurance in the institution is divided into two types:
Insurance of the subject of collateral - property purchased on credit - belongs to the category of compulsory insurance. That is, in without fail you will have to insure the purchased property, which is subject to collateral encumbrance for the entire period of the loan.
This condition applies to:
Of the optional, the client has the right to voluntarily issue:
Rusfinance Bank works with various insurance companies and acts as their agent when concluding contracts. Among them are AlfaStrakhovanie, Ingosstrakh-Life, Societe Generale Life Insurance, Rosgosstrakh, ZettaStrakhovanie, MAKS, Rosgosstrakh, SOGAZ, AlfaStrakhovanie and other large companies.
You can return insurance for the following types:
Return conditions for consumer credit and other varieties differ depending on the insurance company. For example, for Societe Generale Life Insurance, within the framework of cooperation with which the client can conclude an appropriate contract, the following standard conditions are provided:
An excerpt from the Company Rules is shown in the figure.
The contract may provide for additional conditions, so you need to read it very carefully. In particular, there is a Free period - the time when the policyholder, after receiving the loan, has the right to withdraw from the contract with a full refund.
Today, in accordance with the law, a citizen has the right to issue a refusal within 5 working days (but only if an insured event has not occurred during this time).
The conditions of other insurance companies are generally similar to those given, although the details of insurance rules and clauses of contracts may differ.
In order to return funds for imposed insurance, you must fill out an application and submit it to the office of the insurance company. You can download a sample application for waiving life insurance from Societe Generale here. Similarly, applications for other types of optional insurance are filled out. The paper, together with a package of documents, is submitted to the office of the insurance company.
Samples of refusal papers for other insurance companies can be obtained by reviewing the list of documents on their websites, by calling contact numbers or by contacting the office. A complete list of partner organizations is given on the official website of the bank.
To return you will need:
They can be handed over at the office in person, or sent by registered mail with an inventory. It is advisable to make a personal visit, as this will significantly speed up the receipt of money and increase the amount of return. By law, insurance ceases to be valid from the moment the application is delivered to the insurer. Further cash should be credited to the account no more than 10 working days later.
Refusal of optional insurance should not carry any consequences and penalties for a citizen. But you need to remember that an insurance contract under the “life and health” or “protection against job loss” program can help in case of force majeure, when the borrower, being in a cramped position, loses the ability to pay the bank regularly. In this case, with an active contract, these obligations will be assumed by Insurance Company.
25 08.2019 I turned to the car dealership "LLC Temp Auto K" in Krasnodar to buy a KIA OPTIMA car. I was offered a loan to get a discount on a car in the amount of 130,000 rubles for a trade in under a loan agreement. If I converted the car for cash, then there would be no discount. Ekaterina Anatolyevna, the manager of RUSFINANS BANK Kr-nko, who was involved in the execution of this loan agreement, I immediately informed about my intentions to repay the loan ahead of schedule. I had the money to pay off the loan in full. There is a certificate from the bank on the status of the account as of August 25, 2019. This employee misled me by saying twice what to pay off this loan completely I can only after 1 payment, i.e. in a month. And everything would be fine, but within the framework of the contract, a life insurance policy was issued in SOCIETE GENERAL LLC in the amount of 166,328 rubles 15 kopecks. There is no receipt for payment of this policy, so I did not immediately understand that they were trying to deceive me ( this amount included in the loan amount).
I believed the words of the bank employee and was going to pay the first payment and only then close the loan in full. But, when I showed the contract to the lawyer, unfortunately too late, I found out that these words are completely and completely a DECEIT! There is not a word in the loan agreement that I could not repay the loan the next day! What goals did the employee, the bank and the insurance company pursue? Do none of them value their reputation?
To date, the loan has been repaid in full, I have a certificate of closing the loan and repaying the debt in full. I wrote a pre-trial claim for the return of the insurance premium in full. According to which I was sent a response about a partial refund. And about the fact that with regards to my remarks to the employee, they could not find confirmation of the authenticity of my words. Who is covering whom? Now you have to go to the bank with the voice recorder turned on, so that later you can prove that you were deceived? If the employee (the person of the bank and the insurance company) told ALL the terms of the contract and did not mislead me, I would have repaid the loan the very next day! And the amount of 166328 rubles 15 kopecks. would have been returned to me automatically But apparently the employee had some specific goals that were not clear to me and anyone ordinary person not understanding the intricacies of banking and insurance business ... For my part, I consider the terms of the loan agreement to be fully met. The loan was repaid in full and the bank received its interest for the time I used the loan funds. The insurance policy with LLC "SOCIETE GENERAL" automatically terminates upon full repayment of the loan. I did not use the policy.
Therefore, I demand a FULL refund, not a partial one. And I consider the enrichment of the organizations of SOCIETE GENERAL LLC at my expense and the imposition of this service on me unlawful.
I ask RUSFINANS BANK and the insurance company SOCIETE GENERAL to look into the current situation and to avoid reputational and material risks and further forward my claims to the higher control bodies of the Central Bank, Rospotrebnadzor, the prosecutor's office, contact me and resolve this situation as soon as possible. judicial order.
Who is Societe Generale? How many years has it been operating in the insurance market, what products does it offer to customers? Is it profitable to be an insurer of such an organization?
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Competition in the insurance industry remains quite high. Has the insurance company Societe Generale managed to take a prestigious place? Let's make historical information about this company and its services, and find out the indicators in the rating tables.
Societe Generale Life Insurance and Societe Generale Insurance are part of the financial group Societe Generale.
The company has been operating within the Russian Federation since 2006. The main activity is providing customers with insurance products.
Insurance programs are developed individually, taking into account the needs of insurers. According to the Central Bank of the Russian Federation, at the end of 2014, the company ranked 7th in terms of collected premiums among insurance companies.
The Societe Generale Life Insurance company received a permit to conduct insurance activities - license C No. 4079 77 (issued by the Federal Financial Markets Service of the Russian Federation), which is unlimited.
He is a member of the All-Russian Union of Insurers (ARIA), and since June 2013 - a member of the ARIA Presidium. The Societe Generale Insurance organization began its activity in 1990 and was reorganized in 1993. Purchased in 2007 by the Societe Generale Group.
Provides property insurance services, as well as personal insurance (with the exception of life insurance).
Operates under license C No. 1580 77, unlimited. The successor company of SZAO Soyuznik, which was renamed Societe Generale Insurance, has been a member of the ARIA since April 1998.
In 2013, the company was reorganized from a CJSC into an LLC, but all the policies that were issued closed joint stock company are considered valid.
According to 2013 information, the organization is one of the main participants in the field of bancassurance in European Union. Representative offices are in 15 countries.
The state has more than 2,100 employees. The firm has a number of awards for excellent service and professional approach. In 2013, more than 20 awards were received.
Statistics 2014:
Statistics for the first quarter of 2015:
It ranks 21st in the list of the largest insurance companies (2014 data). According to the international rating agency Moody's downgrades rating of Societe Generale's divisions in Russia due to rating downgrade parent bank. The numbers changed in 2011.
What does the company offer its clients? What kind insurance products are popular? We will analyze the main features and conditions of the contracts.
Offers several programs.
It is complex.
The program covers the following risks:
You can insure for 1 year. The policy must be paid at the time of signing the contract. The price varies depending on the type of program (Basic or Comfort). Automatic renewal every year is possible.
You can buy a policy for persons who have reached the age of majority, as well as citizens who, at the time of expiration of the contract, will not be more than 65 years old. The client must also have an account with Rosbank.
If an insured event occurs, the citizen must notify the company about this within a month by filing Required documents.
Payment under the programs "My Personal Protection" will be:
Sum insured limit:
| Basic | 300 thousand rubles |
| Comfort | 600 thousand |
The company secures and property from loss or damage. In accordance with the contract, the company will pay the costs of conducting repair work, compensates for the cost of equipment that is damaged, reimburses damage to third parties (for example, neighbors whose apartment is flooded through your fault).
Societe Generale accepts for insurance:
Insurance risks - damage or loss of property as a result of:
Additional items covered by insurance (if individual programs), is the replacement of the lock, cleaning of the premises, accommodation in hotels, if the premises are not suitable for use after insured events.
Sum insured under the contract:
| Insurance cover | Regarding the main program | classical program | bonus program |
| Maximum | 300 thousand | 550 thousand | 1065 thousand |
| Finishing the premises, all types of engineering equipment | 150 thousand | 250 thousand | 450 thousand |
| When cleaning the room | - | 10 thousand | 15 thousand |
| Replacing locks | 5 thousand | 5 thousand | 5 thousand |
| For household items | 100 thousand | 200 thousand | 400 thousand |
| Civil responsibility | 50 thousand | 100 thousand | 200 thousand |
| Other expenses | - | - | 15 thousand |
According to the program, the insured person who is the borrower, as well as his family, can receive insurance coverage upon the onset insured event resulting in harm to health or life.
The company repays the balance of the loan in the event of unfavorable circumstances. The rules for making insurance payments are different, determined in each case individually.
Borrowers have the right to draw up an agreement:
Property can be insured against damage and loss due to:
Implemented – risks that are associated with the termination or restriction of ownership of purchased housing:
Personal insurance - in case of death, disability (group 1). When drawing up a contract, you can combine risks.
This program protects against the financial risks associated with job loss. The payment can be equal to the amount of monthly payments on the loan.
If all conditions are met, LLC will pay your loan. The amount of funds contributed will be determined depending on the conditions described in the contract. You can apply for the program at one of the branches of Rusfinance Bank or Rosbank.
Purchase protection is provided against financial losses that are associated with the death or damage to the object. If an insured event occurs, the program will reimburse the amount of expenses incurred for the purchase of new products or the repair of the same ones.
There are several active programs:
Furniture insurance covers:
Clothing can be insured for:
Insurance risks:
The company takes under the protection of the personal belongings of the insurer. Societe Generale promises to organize the return of the thing found by a third party, and if the thing is not found, the organization will pay the costs of restoring, for example, a passport.
The object of insurance may be a consumer loan:
The second version of the program (Car loans) “Return is easy” is aimed at protecting the interests of the insurer in case of loss due to loss or theft of such items as:
Can vehicle owners use Societe Generale insurance for their vehicle?
A person is entitled to insure a vehicle upon reaching the age of 23 (and up to 65 years), if his driving experience is from 2 years.
The company promises to repay the cost of repairs or to assist in repairs in the service stations of partner companies. Insurance risks - loss or damage to the vehicle in case of fire, accident, natural disaster, etc.
The cost of the car is falling all the time, and in the event of an insured event, the CASCO amount will be calculated taking into account the wear and tear of the vehicle. The funds paid out may not be enough for expenses, for example, to pay off a car loan ahead of schedule.
Therefore, the insurance company offers protection to car owners from financial losses in the event of insurance circumstances. GAP insurance is additional insurance to CASCO.
The payout amount is calculated as the difference between the purchase price of the car and any refunds that must be paid to third parties.
Reimbursement is carried out within the limits of the maximum amount of payment in accordance with the rules of the contract.
The benefits of such a program include:
The company provides an opportunity to insure against the risk of loss or theft of plastic bank card. What conditions does Societe Generale offer?
The insurance payout under this program will be:
| insurance protection | Defense "Basic" | "Optium" | "Premium" |
| Payment in case of loss of the opportunity to use their property rights to dispose of money that is on the account of a citizen. This applies to cases where the reason is the illegal debiting of funds in full or in part by a third party that took possession of the card (theft, etc.). Losses incurred within 72 hours until the card is blocked are indemnified. | 20 thousand rubles | 75 thousand | 150 thousand |
| Limited coverage if cash is withdrawn from the card by a third party from an ATM of a credit firm that does not belong to the Unified Settlement System, as well as PJSC Rosbank | 3 thousand | 10 thousand | 10 thousand |
| Payment at the cost of the client to reissue the card, which is lost due to theft, robbery, etc. (per year) | 300 | 800 | 3.6 thousand |
| Payment in case of loss of cash that was withdrawn from an ATM or at the cash desk banking institution if pressure was exerted, violent actions (robbery). Expenses incurred within 72 hours from the date of withdrawal are repaid. | 5 thousand | 15 thousand | 25 thousand |
| Payment if there are expenses for issuing a new document (identity card, international passport, vehicle registration certificate, etc.), which was lost during theft, robbery along with the card (the amount is determined per year). | 5 thousand | 5 thousand | 5 thousand |
| Payment if there are costs for replacing keys and locks that are lost with the card (annual amount). | 8 thousand | 8 thousand | 8 thousand |
| Payment if there are expenses for replacing a phone that is lost with a card (during robbery or robbery). The amount is per year. | - | - | 12 thousand |
The choice of program depends on the type of card:
There are a number of issues that most often concern future clients or policyholders who have entered into an agreement with the company. Let's answer the most common ones.
It is worth writing an appeal to the company and waiting for a written response. Attach information about the organization to such a letter and submit it to the representative of the insurance company with the rest of the documents.
An insurance company can make a decision on payment for an insured event only if there is documentation that is certified by a notary or a representative of the institution where such a certificate was received. Detailed information can be found in the terms of the contract.
Review the terms of the contract or insurance rules, where there is such a list. But keep in mind that the company may request additional information and information in accordance with the terms of the policy.
The policyholder himself has the right to bring additional documents if (in his opinion) they are directly related to the insured event.
For some types of programs, the insured person is issued a Reminder, which contains important information and additional data.
This person is listed in insurance policy to receive insurance payments.
How much to pay for the policy:
| Programs | Contract price |
| My personal protection: "Basic"; "Comfort" | 1.6 thousand rubles (133 rubles per month) 3.1 thousand rubles. (258 per month). |
| Weather in the house: "Basic"; "Classic"; "Premium" | 1.9 thousand rubles 2.9 thousand rubles 5.9 thousand rubles |
| Protection for the borrower of loans: Under comprehensive mortgage insurance of property objects; property title; insurance of a personal nature | From 0.2 to 20% 0.1 - 5%; 0.18 - 10%; 0.125 - 10% |
| Job Loss Protection | 1,8 – 12% |
| Acquisition Protection | 6% of the purchase price |
| Vehicle insurance: CASCO; GAP-insurance | 4 - 25%; 1.15% of the car price |
| Return is simple:Consumer loan;Car loans | 1 thousand rubles; 1.8 thousand rubles. |
| For a bank card holder If there are costs for restoring a document that was lost along with the card during theft or robbery | 750 rub. 1250 rub. for 1 document |
What should be the conclusion? You should not contact such an insurance company, because it does not even try to fulfill its obligations under the contract.
Societe Generale has a number of advantages that attract new customers. The fact that the company has representative offices in different countries, which means that the level of service should be high. Like every company, there are also dissatisfied insurers, but their number is not so large.
Attention!
Therefore, FREE expert consultants are working for you around the clock!
I bought a policy in Societe Generale (CASCO) as part of a loan agreement. In accordance with the conditions, in the event of theft or destruction of the vehicle, an amount of 436.3 thousand rubles should be reimbursed. In the fall of 2014, I got into a serious accident, in which the car was badly damaged - restoration is impossible. The wife was driving. She spent more than one month in the hospital. Therefore, insurance issues were postponed ... It was not up to that. I submitted an application to the company in mid-February 2015, backing it up with all the necessary documents.
A month later, a representative of the organization said that some certificates were missing: a photocopy of an independent assessment certificate certified by a notary office, a photocopy of a vehicle passport. I collected these documents and sent them to the Societe Generale by registered mail.
The answer never came from the employees of the company. I tried to figure it out, but the dispatcher answered that something was missing again (either a photocopy of the driver's office certified by a notary, or some other document). This kind of work is no good. I will go to court.
I was forced to conclude a CASCO agreement for 3 years, since that is how much time it took to pay off a car loan. A year later, I paid the full amount, and thought to partially return the amount of CASCO for 2 years.
I contacted the representative of Societe Generale with the question of how to prepare an application, since in this region there is no branch office. They advised me to send a registered letter. I sent all the certificates twice, but I heard in response: "We received nothing."
A month later, I could not stand it - I went to the Moscow branch. And you know what they told me? That they do not have a department that receives letters by mail. Submitted documents for the third time (to Rusfinancebank). The package of documentation was personally handed over to the employee of the company.
But ten days later I was surprised when they told me over the phone that they had not received any documents from me.
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SOCIETE GENERAL INSURANCE LLC
1. GENERAL PROVISIONS
2. INSURANCE CONTRACT
3. OBJECT OF INSURANCE
5. EXCLUSIONS FROM INSURANCE
8. FRANCHISE
9. INSURANCE PREMIUM
12. PROCEDURE FOR CALCULATION OF DAMAGES AND INSURANCE COMPENSATION........ 40
13. SUBROGATION
14. DISPUTES RESOLUTION
1. GENERAL PROVISIONS
1.1. On the terms of these Rules, developed in accordance with the current legislation of the Russian Federation, the Law of the Russian Federation "On the organization of insurance business in the Russian Federation" and others regulations regulating relations in the field of insurance, SOCIETE GENERAL Insurance Limited Liability Company (SOCIETE GENERAL Insurance LLC) (hereinafter referred to as the Insurer) concludes Life and health insurance contracts for borrowers of mortgage and other types of loans, as well as their property interests.
"Loan agreement" means an agreement under which a bank or other credit organisation licensed by the Central Bank of the Russian Federation (hereinafter
- Central Bank of the Russian Federation) for implementation credit operations(hereinafter referred to as the Lender), undertakes to provide funds (credit) to the Borrower in the amount and on the terms stipulated by the Agreement, and the Borrower undertakes to return the received amount of money and pay interest on it.
A mortgage agreement is a pledge agreement real estate, which ensures the fulfillment of the Borrower's credit obligation to a bank or other credit institution (hereinafter referred to as the Pledgee), and in accordance with which the bank or other credit institution that provided funds to the Borrower (hereinafter referred to as the Pledgor) has the right in the event of non-performance or improper performance by the Borrower of the credit the obligation to receive satisfaction from the value of the pledged property primarily to other creditors of the person who owns the pledged property.
1.2. The subjects of insurance are the Insurer, the Policyholder, the Insured Person and the Beneficiary.
1.3. In these Rules, the main terms indicated below are used in the following interpretation:
"Section 1. Personal Insurance" means the conditions of insurance against accidents and illnesses.
"Section 2 Property Insurance" means the terms and conditions of property insurance.
"Section 3. Title insurance" means the terms of insurance for the loss of property as a result of termination of the right of ownership, as well as restriction (encumbrance) of the right of ownership.
"Insurer" means insurance organization which is entitled to insurance activity under a license issued federal body executive power to supervise insurance activities.
"Insured" means a person who has entered into an Insurance Contract with the Insurer. Such a person, in accordance with these rules, can only be legally capable Russian or foreign individuals.
"Insured Person" means a person who is insured against damage to life or health due to an accident and/or illness. Under these Rules, persons whose age at the date of conclusion of the Insurance Contract is from 18 to 60 years old, at the date of expiration of the Insurance Contract - no more than 65 years old, are accepted for insurance, unless other restrictions are provided for by the Insurance Contract. This term applies only to Section 1. Personal Insurance.
"Beneficiary" means the person in whose favor the Insurance Contract is concluded.
For Section 1. Personal insurance: The insurance contract is considered concluded in favor of the Insured person, unless another person is named as the Beneficiary in the Contract. A personal insurance contract in favor of a person who is not the Insured Person, including the Insured Person who is not the Insured Person, may be concluded only with the written consent of the Insured Person. For Section 2. Property insurance and for Section 3. Title insurance: The person entering into the Insurance Contract, or the person in whose favor the Insurance Contract is concluded, under Section 2.
Property insurance and / or Section 3. Title insurance, must have a property interest based on law, other legal act or contract in the preservation of the insured property.
"Third Party" means any person who is not the Policyholder, the Beneficiary, the Insured Person and/or the Owner (possessor) of the insured property.
"Close relative" - a person who is the spouse of the Insured, that is, who is in a registered marriage with him; persons who are relatives of the Policyholder in direct ascending and descending lines (parents and children, grandfather, grandmother and grandchildren), full and half-blooded (having a common father or mother) brothers and sisters), as well as persons who are relatives of the parents of the Policyholder in direct ascending and descending line (parents and children, grandfather, grandmother and grandchildren), full and half-blooded (having a common father or mother) brothers and sisters); persons who are adoptive parents or adoptees for the Insured. The insurance contract (Policy) may provide for a different list of persons included in the definition of "Close relatives".
"Family Member" means close relatives of the Policyholder or the Beneficiary or other persons living together with the Policyholder (the Beneficiary).
"Employee" means a natural person (service personnel, employee or other person) who performs the duties stipulated by the contract ( employment contract, an agreement for the provision of services for a fee, etc.), concluded by him with the Insured or the Beneficiary.
"Accident" means an accidental, sudden, unintentional, short-term event, from among those listed in clause 3.2 of these Rules of Insurance, which actually occurred from outside (other than the will of the Insured Person) during the insurance period, as a result of which significant harm was caused to the health of the Insured Person, expressed as in the establishment of a disability of I or II group. Accidents do not include any form of acute, chronic and hereditary diseases (including heart attack, stroke and other sudden organ damage caused by hereditary pathology or pathology as a result of the development of the disease), anaphylactic shock.
“Illness” – a disease is understood to mean any disturbance of the normal functioning of the body, not caused by an accident, diagnosed by a qualified doctor on the basis of objective symptoms.
"Disability" - social insufficiency due to a health disorder with a persistent disorder of body functions, caused by illness, the consequences of an injury or defects, leading to a limitation of life and causing the need for the provision of social protection. Recognition of a person as a disabled person is carried out during a medical and social examination based on an analysis of his clinical, functional, social, professional, labor and psychological data using classifications and criteria approved by the Ministry of Health and social development Russian Federation. The disability group is set depending on the degree of limitation.
"Insured value" means the actual value of the insured property at its location on the date of conclusion of the Insurance Contract, which is determined by the parties using information received from the owners of real estate, developer companies, state statistics bodies, stock exchanges and / or other organizations (institutions) , or published in the media and / or special literature or other sources.
"Sum Insured" means the amount within which the Insurer is obliged to pay insurance indemnity upon the occurrence of an insured event.
"Insurance premium" means the insurance fee that the Policyholder (the Beneficiary) is obliged to pay to the Insurer in the manner and within the time limits established by the Rules and / or the Insurance Policy.
"Grace period" means the period established by the Insurance Policy, during which the Insurance Policy continues to be valid if the Policyholder violates the obligation to pay insurance premiums in a timely manner.
"Apartment" means a structurally separate room in apartment building, providing the possibility of direct access to the common areas in such a house and consisting of one or more rooms, as well as auxiliary premises, designed to meet citizens' domestic and other needs associated with their living in such a separate room.
"Property damage" means the loss of property of its properties, which are restored by performing technical measures, the cost of which does not exceed its value.
“Destruction of property” means the loss of property of its properties, which are restored by performing technical measures, the costs of which exceed its value, or the loss of property of its properties, which cannot be restored in any way.
“Property operation” means the various stages of the life cycle of a property, including storage (conservation), intended use, maintenance (repair, cleaning, etc.).
"Insured property" means the real estate specified in the contract, pledged (mortgage), the rights to which are registered in the manner established for state registration rights to real estate and transactions with it, in respect of which the Insured (Beneficiary) has an interest based on the law, other legal act or contract in its preservation, with the exception of objects of construction in progress, air and sea vessels, inland navigation vessels, space objects. "Water hammer" means such a destructive phenomenon, which is the result of a sudden change in the fluid flow rate in a hydraulic system (pipeline, pump, etc.) and the resulting sharp pressure jump (shock, sound wave), many times greater than the pressure in the hydraulic system (including thermal expansion of the liquid, change in the physical state of the liquid).
"Corrosion" means spontaneous destruction (corrosion) of materials as a result of chemical or physico-chemical interaction with the environment.
"Termination (loss) of the right of ownership" means the termination of the Insured's legal opportunity to use, possess and dispose of the insured property.
"Restriction (encumbrance) of the right of ownership" - the presence of conditions or prohibitions established by law or authorized bodies in the manner prescribed by law, restricting the Insured or the Owner in exercising their right of ownership due to the preservation / receipt by third parties of the right to use or own the insured property after its acquisition by the Insured or the Owner.
"Vindication claim" means a lawsuit aimed at claiming by the Owner (plaintiff) of his property in court from any third party owning this property without legal grounds.
"Real estate" (real estate) - land plots and everything that is firmly connected with land, that is, objects that cannot be moved without disproportionate damage to their purpose, the rights to which are registered in the manner established for state registration of rights to real estate owned by the Pledgor on the right of ownership or on the right of economic management.
"Individual residential building" - a separate building with no more than three floors, the ownership of which is registered by the authorized body in accordance with the procedure specified by federal legislation.
« Illegal actions» - actions of the Insured and (or) Third parties, for which the legislation provides for administrative or criminal liability.
2. INSURANCE CONTRACT
2.1. Under the Insurance Policy, the Insurer undertakes, for the fee (insurance premium) stipulated by the Policy, upon the occurrence of an insured event provided for in the Policy, to pay the Policyholder (Beneficiary) insurance compensation (insurance payment) within the limits of the corresponding sum insured specified in the Policy.
2.2. The insurance contract may be concluded by drawing up one document signed by the Insured and the Insurer, or by handing over to the Insured on the basis of his written application a policy signed by the Insurer.
2.3. The terms and conditions contained in these Rules, not included in the text of the Insurance Contract (Policy), are binding on the Insured (Beneficiary), if the Contract (Policy) directly indicates the application of these Rules and these Rules are set out in the same document with the Contract (Policy) or on its reverse side or attached to it. In the latter case, when concluding the Contract, the delivery of these Rules to the Insured must be certified by a record in the Contract (Policy).
The Insured (Beneficiary) has the right to refer in defense of his interests to these Rules, to which there is a link in the Contract (Policy), even if these Rules are not binding for him by virtue of the previous paragraph.
2.4. The insurance contract may include insurance conditions for one section 1, several sections or all sections at the same time - combined insurance.
2.5. In order to conclude the Insurance Contract, the Policyholder is obliged to provide the Insurer with information about the circumstances specified by the Insurer in the application for insurance, its annexes and other documents provided to the Insurer, and provide the Insurer with the opportunity to assess the degree of risk.
2.6. The conclusion of the Insurance Policy in favor of the Beneficiary does not release the Insured from fulfilling his obligations under the Policy, unless otherwise provided by the Policy, or such obligations are fulfilled by the Beneficiary.
2.7. If, after the conclusion of the Insurance Policy, it is established that the Policyholder provided knowingly false information when concluding (amending) the Insurance Policy, the Insurer has the right to demand that the Insurance Policy be declared invalid and the consequences of invalidating the transaction made under the influence of fraud be applied.
2.8. When processing personal data of individuals (hereinafter referred to as personal data), the Insurer must be guided by the legislation of the Russian Federation in the field of personal data.
The processing of personal data by the Insurer acting as an operator is subject to the following:
The sections referred to in the wording of this paragraph are provided for in paragraph 1.3 of these Rules.
2.8.1. Processing purposes:
– conclusion, execution, modification, termination of the Insurance Contract (provision of insurance services);
– the goals provided for by law, as well as the implementation and performance of the functions, powers and obligations assigned by the legislation of the Russian Federation to the Insurer;
– exercise of the rights and legitimate interests of the Insurer (including the exercise by the Insurer of the right to assess insurance risk both at the conclusion of the Contract and during its validity, in accordance with the legislation of the Russian Federation and the terms of the Insurance Contract and / or these Rules of Insurance);
– other legitimate, defined and declared purposes for the subject of personal data (if any). At the same time, the goals can be determined and declared by specifying them in the Insurance Policy.
By concluding the Insurance Contract, the Policyholder confirms his familiarization with the stated purposes of processing personal data.
2.8.2. The list of actions with personal data that can be performed by the Insurer and a description of the methods of processing personal data is defined as collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use, transfer (provision, access), depersonalization, blocking , deletion, destruction, both with the use of automation tools (including software), and without their use (on material, including paper, media).
2.8.3. Unless otherwise specified in the Insurance Policy, the list of processed personal data is defined as last name, first name, patronymic, gender, date of birth, citizenship, details of an identity document, TIN, profession, Contact Information(address, telephone number, address Email), data migration card or a residence permit, a document confirming the right of residence (stay), and the period of stay, data on the state of health, payment details, information regarding the loan agreement, information about marital status, information about property status (including insured property , its value and condition, history of ownership of it, etc.) and other personal data contained in the application for insurance, the Insurance Contract and / or other documents that are transferred / will be transferred to the Insurer in connection with the provision of insurance services.
2.8.4. Consent to the processing of personal data may be withdrawn by sending a written notice to the Insurer. In case of withdrawal of consent to the processing of personal data, the Insurer has the right to continue processing personal data without consent in cases established by the legislation on personal data.
2.8.5. When processing personal data, the Insurer is obliged to observe the security and confidentiality of the processed personal data, as well as to comply with other requirements stipulated by the legislation of the Russian Federation in the field of personal data.
The insurer is obliged to take measures necessary and sufficient to ensure the fulfillment of these obligations. At the same time, the Insurer independently determines the composition and list of such measures. In particular, when processing personal data, the Insurer is obliged to take the necessary legal, organizational and technical measures or ensure their adoption to protect personal data from unauthorized or accidental access to them, destruction, modification, blocking, copying, provision, distribution of personal data, as well as from other illegal actions in relation to personal data.
For Sections 1–3:
2.9. The Insurance Contract is concluded in favor of the Policyholder (the Beneficiary), unless another person is named in the Contract as the Beneficiary.
2.10. When concluding the Insurance Contract, the Insurer has the right to assess the probability of an insured event (risk assessment). At the same time, the Policyholder is obliged, when concluding the insurance contract, to inform the Insurer of the circumstances known to the Policyholder that are essential for assessing the degree and characteristics of the risk accepted by the Insurer for insurance. Such circumstances are those that are indicated in the application for insurance, which is an integral part of the insurance contract, as well as in the documents and information requested by the Insurer when concluding the insurance contract (in particular, information about the profession, occupation or health status of persons in respect of which insurance contract). The Insurer has the right to demand that the Insured Person undergo a medical examination, the scope of which is determined by the Insurer.
2.11. To assess the insured risk, the Insurer has the right to inspect the property subject to insurance and / or appoint an expert examination to determine its actual value (insurance value).
The results of the inspection of the property subject to insurance are recorded in the Insurer's documents, which are drawn up in accordance with the established forms and signed on behalf of the Parties by authorized persons. Such documents contain information that allows to identify the property, establish the location and technical condition property, as well as other information necessary for the Insurer to assess the risk.
2.12. When concluding an insurance contract, the Insurer has the right to request the following documents from the Policyholder:
2.12.1. For citizens of the Russian Federation:
Identification document of a citizen of the Russian Federation;
A document confirming registration at the place of stay and / or place of residence (if any);
TIN certificate (if any);
2.12.2. Regarding foreign citizens and stateless persons
General passport or other document established by the legislation of the Russian Federation or recognized in accordance with an international treaty of the Russian Federation as an identity document foreign citizen or stateless persons;
Migration card (if, in accordance with the current legislation, it should have been issued when this foreign citizen or stateless person crossed the border of the Russian Federation);
A document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation;
Other documents required to identify the identity of the Insured (Beneficiary) in accordance with the legislation of the Russian Federation;
2.12.3. Application for insurance;
Before concluding an insurance contract, the Policyholder, at the request of the Insurer, must provide medical or other documents clarifying / confirming the circumstances specified in the application for insurance.
2.12.4. Report on the determination of the market and liquidation values of the insured real estate, produced by an independent appraiser;
2.12.5. When insuring real estate previously owned by an individual:
Real estate appraisal report produced by an independent appraiser;
Order/Decree of the guardianship and guardianship authorities on the alienation of the property in the presence of minor owners of the property, as well as title documents and an extract from the house register for the property, in which the minor will be allocated a share;
Title documents for the last transaction(s) (documents confirming the implementation of a real estate transaction (with a note on state registration of ownership, if the transaction took place before 03/01/2013);
Power of attorney (if the object is alienated by power of attorney);
Passports of the owners / sellers of the property, for minors - birth certificates;
Documents of BTI and (or) FGBU "Federal Cadastral Chamber Federal Service state registration, cadastre and cartography”;
Cadastral passport, explication with floor plan, technical certificate;
Expanded archival extract from the house book;
A notarized statement by adult users of the property that they are notified of the alienation of the property and do not intend to challenge the results of its privatization, including those adult users who, being a minor at the time of privatization of the property, were not included in the number of participants in privatization;
Certificate of right to inheritance;
Renunciation of an inheritance;
Notarized consent of the spouse / ex-spouse of the seller for the sale / marriage contract / agreement on division (when acquiring a property under a contract for compensation during the period of a registered marriage);
A notarized statement from the owners of the property about the absence of other heirs;
Obligation to deregister (in the presence of registered persons who are not owners);
Death certificate (during inheritance, in case of death of the recipient of the annuity) in case the date of death of the testator is not indicated in the certificate of the right to inheritance by law / testament;
Birth certificate (if there are registered minors who are not owners);
Certificates for the owners of the property from the PND and ND / documents confirming the sellers' capacity (more often for persons of retirement age / persons over 70 years of age / disabled persons);
Certificates of conclusion and / or dissolution of marriage (when the name of the Seller is changed, when the Buyer or earlier Seller acquires a property in joint ownership);
If the seller of the property is over 70 years old, in addition to the documents specified above:
If there is an alternative transaction (information about the new place of residence of the seller indicating the exact address, as well as a complete set of alternative transactions where the seller will be issued (Certificate of state registration of the right to the property, Agreement, Extract from the house book, quarterly card);
In the absence of an alternative transaction, documents confirming that the seller owns a property that is different from the one being sold (Certificate of state registration of the right to the property, contract) or a counter extract from the seller from the house book at an address different from the address of the property being sold (seller's passport with new registration address);
Extract from the USRR;
2.12.6. When insuring property previously owned by a legal entity:
Constituent documents (charter, memorandum of association);
Certificate of state registration of a legal entity;
Certificate of registration with the tax authorities;
Order on the appointment of the head of the legal entity;
Title documents for the last (s) transaction (s) (documents confirming the implementation of a real estate transaction with a note on state registration of ownership);
Certificate of the legal entity that the transaction is not a major transaction or a transaction in which there is an interest (signed by the head and chief accountant);
If the transaction is a major one/or a transaction in which there is an interest, the minutes of the general meeting of the legal entity on the decision to sell the property, indicating the amount for which it was decided to sell it;
A document confirming the authority of the representative of the legal entity (power of attorney) and the passport of the representative of the legal entity;
Deed of transfer (Deed of acceptance and transfer) - for contracts concluded since 1996;
Real estate appraisal report produced by an independent appraiser;
BTI documents: cadastral passport, explication with floor plan, technical passport;
Extract from the house book, financial and personal account / certificate of no debt for payment of housing and communal services / unified housing document;
Consent of a specialized depository to the alienation of a real estate object, if the seller is a joint-stock investment fund / mutual investment fund / non-state pension fund;
Address compliance document;
Extract from the USRR;
Title documents for the previous (s) transaction (s) with the property;
If the seller is a developer, the following may be requested: a building permit, an act of acceptance for operation of a real estate object, a Resolution on approval of an act of acceptance for operation of an immovable property, a lease agreement land plot.
2.12.7. When insuring land plots in addition to the documents specified in clauses 2.12.3-2.12.6, the Insurer has the right to request:
Decisions of the owner(s) on: separation, division, merger, other decisions made by the owner in accordance with applicable law;
Certificates issued by committees on land reform and land resources in accordance with Presidential Decree No. 1767 of October 27, 1993 “on the regulation of land relations and the development of agrarian reform in Russia”;
Acts or other documents issued by local administrations or collective farms in accordance with Presidential Decree of December 27, 1991 No. 323 “On urgent measures to implement land reform in the RSFSR”;
Court decisions/decrees/determinations;
Acts of state authorities / local authorities on the provision of a land plot, issued in accordance with applicable law;
Documents issued by district councils of deputies or other bodies, in accordance with the Law of the RSFSR "On Land Reform" dated November 23, 1990 No. 374-1;
Cadastral passport for the land plot;
Documents confirming payments for paid transactions (at the request of the insurance company);
2.13. In the event of the death of the Policyholder (the Beneficiary), the rights and obligations under the Insurance Policy shall pass to the person (persons) who have accepted the insured property by way of inheritance under a will or law. The heirs bear the obligations under the Insurance Contract jointly and severally.
If during the validity period of the Insurance Policy the Policyholder (the Beneficiary) is recognized by the court as incapable or with limited capacity, the rights and obligations of such Policyholder (the Beneficiary) shall be exercised by his guardian or custodian respectively.
2.14. The Insurer has the right to monitor and evaluate the quality of the provided insurance service on all issues of its provision in any form and in any way at the discretion of the Insurer.
2.15. The insurance contract is valid in the territory indicated in it. The Insurance Contract may provide for different territory of validity of the Contract for different insured risks. If the insured property or the insured person leaves the territory of insurance, the Contract shall not apply to him.
3. OBJECT OF INSURANCE
3.1. The object of insurance is the following property interests that do not contradict the legislation of the Russian Federation:
Under Section 1. Personal insurance: of the Insured (Insured person, Beneficiary) associated with harm to the life or health of the Insured person as a result of accidents and / or illnesses.
Under Section 2. Property insurance: of the Insured (the Beneficiary) associated with the possession, use and disposal of the insured property.
Under Section 3. Title insurance: The Insured (the Beneficiary) associated with the right to own, use and dispose of the insured property.
3.2. Under Section 1. Personal insurance The persons specified in subparagraphs "a" - "c" of this paragraph are not subject to insurance under these Rules:
a) patients with oncological, chronic cardiovascular diseases, HIV-infected, as well as persons registered in a narcological or neuropsychiatric dispensary;
3.3. Section 2. Property insurance: structural elements of the insured property are accepted for insurance. Unless otherwise provided by the Insurance Policy, the term "structural elements" means load-bearing and non-bearing walls, all ceilings and partitions, columns, stairs inside the property, balconies and loggias, window and door structures, roofs of individual residential buildings, foundations of individual houses.
3.4. Not accepted for insurance, unless otherwise provided by the Contract:
3.4.1. Interior decoration and / or engineering equipment separate from the structural elements of the real estate.
3.4.2. Objects of real estate, construction in progress, in the form of multi-apartment residential buildings.
3.4.3. Property located in a zone recognized by the competent state authorities as a zone of possible natural disaster, as well as in a zone of military operations from the moment such a threat was announced in the prescribed manner, if such an announcement was made before the conclusion of the Insurance Policy.
3.4.4. Buildings, structures, buildings and structures, structural elements and engineering systems which at the time of conclusion of the Insurance Contract are in an emergency condition, are subject to demolition, reconstruction or overhaul premises unsuitable for use.
3.4.5. Land plots that are not used for their intended purpose, land plots that are not registered in the prescribed manner and do not have the relevant title documents.
3.4.6. Water bodies, forests, plants, animals, birds, fish, insects located on the land plot (within its limits), as well as air space and subsoil located above and below the surface of the land plot (including minerals).
3.4.7. Real estate, the mortgage of which is not allowed in accordance with the current legislation of the Russian Federation.
4.1. An insured risk is a prospective event against which insurance is provided. An event considered as an insured risk must have signs of probability and randomness of its occurrence.
4.2. An insured event is an event stipulated by the Insurance Policy from among those specified in this section, which occurred during the insurance period established in the Insurance Policy, confirmed in the prescribed manner by documents in accordance with these Insurance Rules, upon the occurrence of which the Insurer's obligation arises to make an insurance payment (with the exception of events in accordance with Section 5 of these Insurance Rules).
4.3. An insurance contract concluded on the terms of these Rules may provide for the following insured events:
4.3.1. Primary establishment of the I (first) and / or II (second) disability group for the Insured Person as a result of an accident and / or illness (hereinafter referred to as disability).
4.3.2. Primary establishment of the I (first) and / or II (second) disability group for the Insured Person as a result of an accident (hereinafter referred to as disability of the National Assembly).
4.3.3. Loss or damage to the insured property due to such reasons as:
4.3.3.1. Fire.
"Fire" means exposure to an open flame, high temperature, hot gases, combustion products (smoke, soot, etc.) due to an uncontrolled combustion process in the form of an open flame or smoldering, which suddenly appeared and is able to further spread on its own, as well as exposure to combustion products and/or fire fighting measures taken to stop the fire.
4.3.3.2. Explosion.
"Explosion" means a rapidly flowing process of physical or chemical transformations of substances, accompanied by the release of a large amount of energy in a limited volume, as a result of which a shock wave is formed and propagates in the surrounding space.
4.3.3.3. Bay.
“Flood” means direct exposure to moisture (including water and / or other liquid) due to an accident in water supply, sewerage, heating or fire extinguishing systems, as well as the penetration of water and / or other liquid from neighboring premises (including as a result of the use of fire extinguishing measures), actuations of fire-fighting systems that are not caused by the need to turn them on.
When insuring residential premises in houses with two or more apartments, flooding also means penetration of water and/or other liquid due to roof leakage, as well as from premises not belonging to the Insured (including attic space).
4.3.3.4. Structural defects.
"Constructive defect" means unforeseen destruction or physical damage not related to natural wear and tear of structural elements (foundations, columns, ceilings, beams, load-bearing walls, etc.) of the insured property or the building, structure, structure in which the insured property is located (if premises insurance), due to defects2 of internal and external load-bearing structures that are essential for the stability of the insured property (building, residential premises, structure, construction), and the impossibility in connection with this to use the insured property (building, residential premises, structure, structure) for its intended purpose, in accordance with sanitary-epidemiological and other norms that establish requirements for residential and other premises (buildings, structures, structures).
"defect" means each individual non-compliance of the property with the established requirements, which is not detected visually or by standard methods and means of control and diagnostics, but is detected during maintenance or special diagnostic methods.
4.3.3.5. Natural disasters.
"Natural Disasters" means destructive natural hazards such as:
- lightning strike;
– tsunami;
- storm, hurricane, cyclone (typhoon), tornado, strong wind;
- earthquake, volcanic eruption;
- flooding, flooding;
- downpour;
– impact of snow load;
- landslide, mountain collapse, rockfall, avalanche, mudflow;
- the effect of low temperatures, not typical for the area.
– soil deformation (soil subsidence);
- Unusual precipitation for the area.
"Lightning strike" means the impact of a direct lightning discharge, in which the lightning current flows through the elements of the insured property and has a thermal, mechanical or electrical effect, or a secondary effect of a lightning discharge associated with inducing a high electrical potential with the occurrence of sparks.
"Tsunami" means sea waves of great height (up to several tens of meters), caused by the displacement of sections of the seabed during earthquakes, landslides and volcanic eruptions.
"Storm, hurricane, cyclone (typhoon), tornado, strong wind" means the movement of atmospheric air (including whirling) at a speed of more than 17.0 m/s, as well as the movement of objects or their fall caused by the impact of such atmospheric air .
"Earthquake" means earth tremors and vibrations of the earth's surface resulting from sudden displacements and ruptures in the earth's crust or the upper part of the earth's mantle and transmitted over long distances in the form of elastic vibrations.
"Volcanic eruption" means the release of lava from the crater of the volcano, the release of ash, combustible gases and rock fragments.
"Flood, inundation" means the release of a water mass or water from the normal boundaries of a reservoir, caused by intense snowmelt, large amounts of precipitation, wind surges of water, ice jams, breakthrough of dams and dams, collapse into the channel of rocks that prevent normal flow.
"Hail" means a type of atmospheric precipitation that falls in the form of ice formations of various sizes.
"Shower" means a type of short-term precipitation in the form of rain with an intensity of more than 30 (thirty) mm in 1 (one) hour or more than 50 (fifty) mm in 12 (twelve) hours.
"Impact of snow load" means the effect of the load resulting from atmospheric precipitation in the form of snow in excess of the seasonal and climatic norm corresponding to the territory specified in the Insurance Policy and within which the insured property is located.
"Landslide" means a sliding displacement of soil masses down a slope under the influence of its own gravity.
"Mountain collapse, rockfall" means the sudden collapse of rocks as a result of loss of stability; rolling stones from mountain slopes.
"Avalanche" means a mass of snow and ice falling or sliding down the slopes of mountains at a speed of more than 20 (twenty) m/s.
"Mudflow" means mud or mud-stone streams that suddenly appear in the beds of mountain rivers due to floods caused by heavy precipitation (including showers) or rapid snowmelt.
"The effect of low temperatures, not typical for the area"
means the effect of such an outdoor temperature, the negative values of which are outside the lower temperature range, which is normal for the area within which the insured property is located.
"Soil deformation (soil subsidence)" means such phenomena as ground settlement, ground subsidence, ground uplift and subsidence, subsidence of the earth's surface and ground sinking. These phenomena are determined in accordance with SNiP 2.02.01-83 "Unusual precipitation for a given area" means an unusual intensity of precipitation (hail, snowfall and rain) for the area within which the insured property is located.
The listed phenomena are determined in accordance with the standards established by Roshydromet (MES).
4.3.3.6. The fall of aircraft (space) vehicles.
"Fall of aircraft (space) vehicles" means a fall on the insured property of aircraft (space) vehicles or their debris (including the fall of cargo and other solid objects falling from an aircraft (space) vehicle).
"Aircraft (space) vehicle" means an aircraft, helicopter, spacecraft, balloon, airship or other device designed to fly in the atmosphere or in outer space.
4.3.3.7. Falling solids;
"Falling Solids" means falling trees, snow/ice formations, lighting poles and/or other solid objects onto the Insured Property.
4.3.3.8. Vehicle hit.
"Running over a vehicle" means a collision with the insured property of means of horse-drawn, automobile, railway, sea, inland waterway and / or air transport.
4.3.3.9. Illegal actions of third parties.
“Wrongful acts of third parties” means the following wrongful acts committed by a third party:
- robbery;
- robbery;
- hooliganism;
– vandalism;
– intentional destruction or damage to property;
– destruction or damage to property through negligence.
"Theft" means the secret theft of another's property.
"Robbery" means the open theft of another's property.
"Robbery" means an attack for the purpose of stealing someone else's property, committed with the use of violence dangerous to life or health, or with the threat of such violence.
"Hooliganism" means a gross violation of public order, expressing a clear disrespect for society, committed: with the use of weapons or objects used as weapons; based on political, ideological, racial, national or religious hatred or enmity, or based on hatred or enmity against any social group.
"Vandalism" means the desecration of buildings or other structures, damage to property on public transport or other public places.
"Intentional destruction or damage to property" means the intentional rendering of property into a state unsuitable for further use and / or reducing its consumer characteristics.
"Destruction or damage to property through negligence" means the destruction or damage to someone else's property by a third party, committed by careless handling of fire or other sources of increased danger.
4.3.4. Termination (loss) of ownership - termination (loss) of the Policyholder's ownership of the insured property (on the basis of a valid court decision), including that that occurred after the expiration of the Insurance Contract, provided that the statement of claim on the basis of which a court decision was taken, was filed with the court during the term of the Insurance Contract, as a result of:
4.3.4.1. Recognition of the invalidity of the transaction.
The insurer shall indemnify the damage incurred as a result of the termination (loss) of the right of ownership to the insured property as a result of the recognition by a court decision of the transaction on the alienation of the insured property as invalid on the following grounds:
– Making a transaction that violates the requirements of the law or other legal act of the Russian Federation.
– Making a transaction by a citizen recognized as legally incompetent.
– Making a transaction by a citizen limited by the court in capacity.
- Making a transaction by a minor.
– Making a transaction by a legal entity that contradicts the goals of its activities.
– Making a transaction without the consent of a third party, body of a legal entity or state body or local government, required by law.
– Making a transaction by an unauthorized person or by a person in excess of his authority.
- The execution of a transaction by a citizen who is not able to understand the meaning of his actions or manage them.
- Making an imaginary or feigned transaction, with the exception of transactions between close relatives, as well as a transaction made under the influence of significant delusion, deceit, violence, threat, adverse circumstances, malicious agreement of a representative of one party with the other party.
– Recognition, by a court decision, of a transaction on the alienation of insured property as invalid on the grounds provided for federal law dated October 26, 2002 No. 127-FZ “On insolvency (bankruptcy)”, including, but not limited to cases of a transaction by the seller and / or the previous seller and / or parties to related transactions in a pre-bankruptcy state or in the course of bankruptcy proceedings initiated against these persons , except for cases excluded by these Insurance Rules, the Insurance Policy and / or the current legislation of the Russian Federation.
4.3.4.2. Satisfaction of the vindication claim.
The Insurer shall indemnify the damage incurred as a result of the termination (loss) of the right of ownership to the insured property as a result of satisfaction of a vindication claim against the Policyholder (the Beneficiary) on the following grounds:
- Violation property rights(deprivation or encumbrance of property rights) in the implementation of previous transactions (later recognized as invalid) for the alienation of insured property:
minor children;
Persons registered in a psycho-neurological or narcological dispensary;
Persons recognized in accordance with the established judicial procedure as incapable or partially capable (for any legal reason);
Co-owners in the right of common shared or joint ownership;
Heirs in the division of hereditary property.
– Claiming rights to insured property by persons temporarily removed from the register due to departure for military service, study, places of deprivation of liberty, nursing homes, etc.;
– The presence of invalid or improperly executed documents confirming the ownership of the insured property, as well as documents that are the basis for the transaction.
4.3.5. Restriction (encumbrance) of the right of ownership - the presence of conditions established by law or authorized bodies in the manner prescribed by law that restrict the right holder (Insurant / Pledgor) in exercising the right of ownership or other real rights to a specific real estate object, except for restrictions (encumbrances) arising as a result of the actions of the Insured aimed at the occurrence of restrictions (encumbrances) of the right of ownership to a real estate object (including, but not limited to, the transfer of insured property as security under a loan agreement and the encumbrance of rent, the conclusion by the Insured of a transaction for the acquisition of a real estate object with the preservation of close relatives and / or family members of the Policyholder permanently or temporarily residing in the real estate object, the right to use this real estate object) as a result of the following events:
4.3.5.1. Retention of rights.
The Insurer indemnifies the damage incurred as a result of retaining the rights of use, possession, disposal of other persons' real estate after the state registration of the Insured's (Pledgor's) ownership of the real estate, on the basis of a court decision that has entered into legal force.
4.3.5.2. Registration of an encumbrance without the consent of the Insured.
The Insurer indemnifies the damage incurred as a result of state registration of the encumbrance of the Insured's (Pledgor's) property right without the consent of the Insured (Pledgor) and the Beneficiary (Pledgee), except in cases where such an encumbrance is directly related (follows) from the activities of the Insured (Pledgor, Beneficiary) and / or produced in the public interest.
4.3.5.3. Restriction (encumbrance) of the Insured's ownership right to the insured property (on the basis of a court decision that has entered into legal force), including those that occurred after the expiration of the Insurance Contract, provided that the statement of claim on the basis of which the court decision was made was filed in court during the term of the Insurance Contract, except for the cases provided for in clause
5.5 of these Rules.
4.4. In the Insurance Contract, one or some of the reasons from the composition provided for in clause 4.3.3 of these Rules may be indicated as the reasons causing the death or damage to the insured property.
4.5. If the occurrence of an event recognized as an insured event caused the need to perform emergency rescue operations, as a result of which additional damage was caused to the insured property, then such additional damage is considered an insured event.
4.6. The insurance contract may be concluded for the totality of insurance risks specified in subparagraphs 4.3.4 or 4.3.5 of these Rules, in any combination thereof or for any of the risks separately.
For Section 1. Personal insurance:
5.1. Unless otherwise provided by the Insurance Policy, the events specified in subparagraphs 4.3.1–4.3.2 of these Rules are not insured events if they occurred as a result of:
5.1.1. traffic accident in case the control vehicle was carried out by the Insured person who was in a state of alcoholic, narcotic or toxic intoxication, or who did not have the right to drive this vehicle, as well as if the control of the vehicle was transferred by the Insured person to a person who is known to be in such a state or who does not have the right to drive this vehicle vehicle.
5.1.2. The Insured Person being in a state of alcoholic, narcotic or toxic intoxication, when such a state was one of the causes of the event and / or aggravated or accelerated the onset of the event, as well as if the onset of the insured event was directly or indirectly caused by the use (disease that developed in as a result of consumption) by the Insured Person of alcohol, narcotic drugs, psychotropic and other toxic substances.
5.1.3. Illnesses of the Insured directly or indirectly related to HIV infection.
5.1.4. Conditions/diseases which/which the Insured had at the time of conclusion of the Insurance Contract, if the Insurer was not informed of their presence prior to the conclusion of the Insurance Contract and in relation to these conditions/diseases a risk assessment procedure was not carried out using a coefficient corresponding to the condition health of the Insured.
5.2. Unless otherwise provided by the Insurance Policy, the events specified in subparagraphs 4.3.1–4.3.2 of these Rules are not insured events if they occurred in the following circumstances:
5.2.1. Committing or attempting to commit unlawful acts by the Insured Person, Policyholder, Beneficiary.
5.2.2. Emergency, special provisions declared by the authorities in the manner prescribed by law.
5.2.3. Execution of the death sentence.
5.2.4. Participation in the preparation and conduct of a terrorist act.
5.2.5. Participation of the Insured person in air flights, except for flights as a passenger on officially registered flights.
5.2.6. Hazardous activities or hobbies, occupations on a professional basis in any kind of sports, including competitions and training, as well as participation in dangerous sports on a regular amateur basis: motor racing, air sports, mountaineering, martial arts, shooting, boxing, etc., except for those specifically stipulated at the conclusion of the Agreement with the application of a multiplying coefficient.
For Section 2. Property insurance:
5.3. The loss or damage to the insured property that occurs when:
5.3.1. As a result of deliberate actions of the Insured, family members of the Insured, the Beneficiary and / or their employees, which caused the occurrence of the insured event.
5.3.2. As a result of corrosion, decay, natural wear and tear, spontaneous combustion and/or other natural properties of the insured property.
5.3.3. As a result of design and / or production defects of the insured property, which were known and / or should have been known to the Policyholder (the Beneficiary).
5.4. Unless otherwise provided by the Insurance Policy, the loss or damage to the insured property that occurred as a result of:
5.4.1. Penetration of rain (melt) water, snow, hail and dirt into the premises through uncovered window (door) openings and / or other openings resulting from dilapidation or construction defects.
5.4.2. hydraulic shock.
5.4.3. Production and use by the Policyholder (the Beneficiary), members of their families and / or their employees of explosives and explosive devices, conducting chemical and physical experiments.
5.4.4. Failure by the Policyholder to take reasonable and accessible measures under the circumstances to reduce possible losses. When taking such measures, the Policyholder must follow the instructions of the Insurer, if they have been communicated to the Policyholder.
5.4.5. Violations of the rules for the operation of aquifers and devices in unheated buildings (premises) during the cold season.
5.4.6. As a result of violation by the Policyholder (the Beneficiary), members of their families and / or employees of instructions for the storage, operation and maintenance of the insured property (including compliance with the terms of operation); fire safety conditions (including the Rules for the storage of flammable (combustible) liquids and / or explosives) or security safety; Rules for the use and operating conditions of electrical, heating, plumbing, sewerage and fire-fighting systems; failure to comply with the instructions of state and departmental supervisory authorities.
5.4.7. If the Policyholder fails to notify the Insurer of a change in circumstances entailing an increase in the insured risk.
5.4.8. terrorist act.
For Section 3. Title Insurance:
5.5. For property insurance in case of its loss as a result of termination of ownership, the events specified in subparagraph 4.3.4 of these Rules are not recognized as insured events and the insurance payment is not made if the Insured or the Owner is recognized by a court decision as an unfair purchaser (owner) or these events occurred in result:
5.5.1. Alienation by the Policyholder (Owner) of the insured property under a paid or gratuitous contract.
5.5.2. Alienation of the insured real estate object as a result of foreclosure on it for the obligations of the Insured (Owner).
5.5.3. Destruction or destruction for any reason of the insured property.
5.5.4. Use by the Policyholder (Owner) of the insured real estate object not in accordance with its purpose or in violation of the law.
5.5.5. Changes by the Policyholder (Owner) of the characteristics, properties and design parameters of the acquired (received) real estate object without obtaining permission from the relevant authorities and notifying the Insurer in the prescribed manner.
5.5.6. Withdrawal from the Insured (Owner) of the insured property in cases provided for by the current legislation of the Russian Federation.
5.5.7. Commitment by the Policyholder (Owner) of illegal actions that are in a causal relationship with the termination of his ownership of the insured property.
5.5.8. Instructions, instructions, demands or other action government agencies, the adoption of laws, decrees, acts, other legal documents that terminate the right of ownership, as well as as a result of the alienation of the insured real estate object in connection with the withdrawal of the site on which it is located for state or municipal needs.
5.5.9. Termination (loss) by the Insured (Owner) and/or the spouse of the Insured (Owner) of the ownership of the insured property in the event that the purchase and sale of the insured property is recognized as invalid due to the recognition of the bankruptcy petition of the Insured (Owner) and/or spouse of the Insured (Owner) justified regardless of the moment of recognition: before the transaction for the sale of the insured property, after the transaction for the sale of the insured property, as well as in the case of foreseen by the Insured (Owner) and / or spouse of the Insured (Owner) bankruptcy.
5.6. For insurance in case of restriction (encumbrance) of property rights, the events specified in subparagraph 4.3.5 of these Rules are not recognized as insured events and the insurance payment is not made if:
5.6.1. These events occurred in connection with the state registration of restrictions on rights established in the public interest in accordance with the legislation of the Russian Federation.
5.6.2. At the time of conclusion of the Contract, the insured real estate object is encumbered with private or public servitudes, when the Owner of the insured real estate object is obliged:
5.6.2.1. Provide unhindered access, passage, passage.
5.6.2.2. Provide the possibility of placing boundary, geodetic and other signs.
5.6.2.3. Ensure the possibility of laying and using power lines, communications and pipelines, water supply, sewerage and land reclamation systems.
5.6.3. Restriction (encumbrance) of the rights of the Insured (Pledgor) occurred within the framework of judicial trial until a court decision is made on the claims of third parties with claims related to the risk of loss of the insured property as a result of the termination of the Insured's (Pledgor's) ownership right to it or the risk of restriction (encumbrance) of the Insured's (Pledgor's) rights to own, use, dispose of the insured property.
5.6.4. Restriction (encumbrance) of the rights of the Insured (Pledgor) occurred as a result of the declaration of the rights of children and / or spouse / - and the Insured to the immovable property.
5.6.5. The restriction (encumbrance) arose as a result of the actions of the Insured aimed at the occurrence of restrictions (encumbrances) of the right of ownership of the real estate object (including, but not limited to, the transfer of the insured property as security under a loan agreement and encumbrance with rent, the conclusion by the Insured of a transaction for the acquisition of a real estate object with the preservation of the right of use of this real estate object by close relatives and / or family members of the Insured, permanently or temporarily residing in the real estate object).
5.7. The insurance contract may also provide for other exclusions from insurance. In this case, the parties have the right to provide provisions that differ from those provided for in paragraphs 5.1.–5.5. of these Rules of Insurance, and / or shorten this list of exclusions and / or supplement it with other provisions.
For Section 1. Personal insurance:
6.1. The sum insured is set in the amount determined by agreement between the Insured and the Insurer and is specified in the Insurance Contract.
6.2. The sum insured is set in the amount not exceeding the insured value of the insured property and is specified in the Insurance Contract.
6.3. The insured value of the insured property specified in the Insurance Contract cannot be subsequently disputed, except for the case when the Insured deliberately misled the Insurer regarding this value, which did not use its right to assess the insured risk before the conclusion of the Insurance Contract.
For Sections 1–3:
6.4. The sum insured may be constant during the term of insurance or changing. Unless another procedure for changing the sum insured is provided for by the Insurance Policy, the sum insured changes during the insurance period in accordance with the change in the loan debt in accordance with the conditions loan agreement. The amount of the changing sum insured as of the date of conclusion of the Insurance Contract is specified in the Insurance Contract.
6.5. The sum insured may be set in rubles or in foreign currency, the equivalent of which is the corresponding amount in Russian rubles(hereinafter - insurance with a currency equivalent).
6.6. The sum insured specified in the Insurance Contract shall be deemed established in respect of the entire set of insured events for each section that occurred during the period when the insurance was in effect (aggregate sum insured), unless otherwise provided by the Contract.
7.1. The insurance contract is concluded for a period of at least one year.
The term of the Agreement may be determined by indicating the points in time and / or calendar dates that determine its beginning and end, or by indicating the time interval and the moment that determines its beginning.
The Insurance Contract shall enter into force from the moment of its conclusion, unless a later date for the entry into force of the Contract is established by the Insurance Contract.
For Section 1. Personal insurance:
7.2. The insurance stipulated by the Contract applies to insured events that occurred during the term of the Contract, but not earlier than 00:00 on the day following the day of payment of the insurance premium (the first insurance premium), unless otherwise provided by the Insurance Policy.
Section 2 Property Insurance and Section 3 Title Insurance:
7.3. The insurance stipulated by the Contract applies to insured events that occurred during the term of the Contract, but not earlier than 00:00 on the day following the day of payment of the insurance premium (first insurance premium) determined by the Contract, and state registration of the Policyholder's ownership of the insured property unless otherwise provided by the Insurance Policy.
Additional insurance under Section 3. Title insurance stipulated by the Policy may be extended, among other things, to insured events that occurred after the expiration of the Insurance Policy, provided that the statement of claim on the basis of which the court decision was made was filed with the court within the validity period of the Insurance Contract, unless otherwise provided by the Insurance Contract.
For Sections 1–3:
7.4. The insurance contract, unless otherwise provided in it, is terminated before the expiration of the period for which it was concluded, in whole or in part in the following cases:
7.4.1. The insurer made an insurance payment in the amount of 100% of the sum insured. Under the Contracts concluded in respect of several insured persons, the insurance payment for personal insurance in the amount of 100% of the sum insured established in respect of the relevant Insured Person entails the termination of the Insurance Contract for this Insured Person.
7.4.2. 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 Contract shall cease to be valid in the part relating to the relevant Insurance Section and / or the Insured Person (in the case of the Insurance Contract concluded in respect of several Insured Persons) from the day the insurance risk ceases to exist, and the Insurer shall be entitled to a part of the insurance premium (payment for insurance), proportional to the time during which the insurance was valid, unless otherwise provided by the Insurance Contract.
7.4.3. Termination of the insurance contract on the initiative of the Insurer due to the Insured's failure to pay the next insurance premium within the terms and amounts specified in the Insurance Contract, unless otherwise provided by its terms or if the Insurer and the Insured have not agreed in writing to change the terms of the Insurance Contract in terms of the procedure and terms payment of insurance premiums, the amount of insurance premiums and / or the sum insured.
7.4.4. Early termination of the Insurance Contract at the initiative of the Insured.
7.4.5. Early termination of the Insurance Contract by agreement of the Parties.
7.4.6. Liquidation of the Insurer, with the exception of cases accompanied by the procedure for the transfer of the insurance portfolio in accordance with the current legislation of the Russian Federation.
7.4.7. Death of the Pledgor under Section 3. Title Insurance.
7.4.8. In other cases provided for by the legislation of the Russian Federation and / or the Insurance Policy.
The Insurance Contract may provide for other and/or separate/additional of the above grounds for termination of the Insurance Contract. In particular, by agreement of the Parties it may be provided that the insurance payment in the amount of 100% of the sum insured does not entail partial and / or complete termination of the Insurance Policy.
7.5. In case of early termination of the Insurance Policy, if there are no paid losses under the Insurance Policy, the Insurer shall return to the Policyholder a part of the insurance premium paid by him in proportion to the unexpired paid period of the Insurance Policy, minus the Insurer's expenses under the Insurance Policy in the amount of 50% of the amount of the insurance premium paid. At the same time, if at the time of calculating the amount of the part of the insurance premium to be returned, there are declared but not settled losses, the Insurer has the right to postpone the decision on the return of part of the insurance premium until the settlement procedure is completed and a decision is made on the declared case. In other cases, the insurance premium is not refundable. If a part of the insurance premium is returned to the Insured, all obligations of the parties under the Insurance Policy, including those that arose before the moment of its termination, are terminated. The insurance contract or agreement on early termination of the insurance contract may provide for a different procedure for the return of part of the paid insurance premium. The refund of a part of the paid insurance premium is made subject to the availability of a copy of the document confirming the reason for the early termination of the Insurance Contract.
7.6. In case of insurance with a currency equivalent: the return of a part of the insurance premium to the Insured in case of early termination of the Contract, the Insurer shall carry out in Russian rubles at the exchange rate of the Central Bank of the Russian Federation on the date of payment, if the Insurance Contract provides for the establishment of the amount of the insurance premium in foreign currency and provides for the return of a part of the insurance premium to the Insured.
8. FRANCHISE
8.1. Franchise is a loss not compensated by the Insurer. The fact of establishment of a franchise is fixed by specifying in the Insurance Contract the type and amount of the franchise or the method of calculating the amount of the franchise.
8.2. If the Insurance Contract provides for an unconditional deductible, then under such a Contract the insurance indemnity is paid minus the established deductible. In this case, losses below the amount of the established deductible are not subject to compensation.
Calculation procedure insurance compensation when establishing an unconditional franchise, it is specified in section 12 of these Rules.
8.3. If the Insurance Contract provides for a conditional deductible, then under such Policy the insurance indemnity is paid in full for damage that exceeds the amount of the deductible, and is not paid for damage that does not exceed the amount of the conditional deductible.
9. INSURANCE PREMIUM
9.1. The insurance premium is paid in a lump sum or in installments. The amount of the insurance premium and the procedure for its payment are specified in the Insurance Contract.
An insurance contract may provide for the establishment of an insurance premium both in rubles and in foreign currency. For insurance with a currency equivalent insurance premium paid in rubles at the exchange rate of the Central Bank of the Russian Federation established for foreign exchange on the date of payment (transfer)
9.2. The amount of the insurance premium is determined in accordance with the tariff rates established by the Insurer. The insurer sets tariff rates based on the basic tariff rates, calculated by the Insurer, with the use of increasing and decreasing coefficients, taking into account possible risk factors, the results of his assessment of the insured risk, carried out on the basis of: information and documents submitted by the Insured with an application for insurance; information independently received by the Insurer; opinions of experts and appraisers, which allow the Insurer to collectively identify risk factors that increase or decrease the likelihood of an insured event for each of the insurance risks included in the insurance contract.
9.3. In the event of non-payment (or payment not in full) of the insurance premium (in case of a lump-sum payment) or its first insurance premium within the period stipulated by the Insurance Policy, the Insurance Policy is considered terminated without any additional notice to the Insured by the Insurer. If the Insurance Contract has not entered into force at the time the Insurer has the right to terminate the Insurance Contract in accordance with the procedure established by this paragraph, the Insurance Contract shall be deemed not to have entered into force and shall not entail any legal consequences for its Parties.
9.4. Unless otherwise provided by the Insurance Policy, when paying the insurance premium in installments and / or when paying the insurance premium for each subsequent period of validity of the Insurance Policy, in case of non-payment of the insurance premium (its next installment) within the period specified in the Insurance Policy, or before 23:00 59 minutes of the last day of action grace period(according to the time of the place of conclusion of the Insurance Contract), if it is provided for by the Insurance Contract, the Insurer has the right to terminate the contract in unilaterally by notifying the Insured in advance in writing. In this case, the paid insurance premium is considered to be fully earned by the Insurer and is not refundable. If an insured event occurs during the Grace Period before the payment of the second and subsequent regular insurance premiums or the insurance premium for the subsequent insurance period, the Insurer is entitled, when determining the amount of the insurance amount to be paid, to set off the amount of overdue regular insurance premiums, unless otherwise provided by the Insurance Policy.
9.5. Other consequences of non-payment by the Policyholder of the insurance premium (insurance fee) may be established by the Insurance Contract.
9.6. Unless otherwise provided by the Insurance Contract, the date of payment of the insurance premium (insurance fee) is considered to be:
9.6.1. In case of non-cash payment, the date of receipt of the sum of the insurance premium (insurance fee) to the bank account of the Insurer (an authorized representative of the Insurer).
9.6.2. In case of payment in cash, the day when the amount of the insurance premium (insurance premium) is received by the authorized representative of the Insurer or the amount of the insurance premium (insurance premium) is paid to the cash desk of the Insurer.
9.7. The Insurer has the right to notify the Policyholder of the need to pay the insurance premium/insurance fee orally or in writing through any means of communication available to the Insurer.
10. CHANGE INSURED RISK
10.1. During the period of validity 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 when entering into or amending the Contract.
A written notice must be sent to the Insurer or delivered to the representative of the Insurer no later than 3 (three) business days following the day when the Policyholder became aware of the circumstances entailing an increase in the insured risk, unless the Insurance Policy provides for a different notice period. Written notice may be sent at a later date if there are good reasons.
Unless otherwise provided by the Insurance Policy, significant changes in circumstances affecting the increase in the degree of risk are recognized: changes in all information provided by the Policyholder (Insured Person) when concluding the Insurance Policy, in response to written requests from the Insurer; in the application for insurance, medical and other questionnaires and / or specifically indicated by the Insurer in the Insurance Contract (Policy).
10.2. The Insurer who has been notified of the circumstances that increase the insured risk, or who has learned about such circumstances on his own, has the right to demand a change in the terms of the Insurance Contract 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 Policy in accordance with the current legislation of the Russian Federation.
10.3. If the Insured fails to fulfill the obligation stipulated by paragraph
10.1 of these Rules, the Insurer has the right to demand termination of the Insurance Contract and compensation for losses caused by the termination of the Contract, in accordance with the current legislation of the Russian Federation.
11.1. After the Policyholder (the Beneficiary, the Insured Person) becomes aware of an event that has signs of an insured event, he is obliged to:
For Section 1. Personal insurance:
11.1.1. Notify the Insurer of the occurrence of an event that has signs of an insured event within thirty days, counting from the day when the Policyholder (the Beneficiary, the Insured Person) became aware of the occurrence of this event, by any accessible way, which allows you to fix the text, indicating the sender and the date of the notification. The notice may be sent at a later date if there are valid reasons.
The insurance contract may provide for other terms for notifying the Insurer.
For Sections 2–3:
11.1.2. Notify the Insurer of the occurrence of an event that has signs of an insured event within five days, counting from the day when the Policyholder (the Beneficiary, the Insured Person) became aware of this event in any available way, allowing fixing the text indicating the sender and the date of notification. The notice may be sent at a later date if there are valid reasons.
11.1.3. 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.
11.1.4. Take reasonable and accessible measures in the current situation to identify the person who is responsible for the damage caused.
11.1.5. Follow the instructions of the Insurer.
For Section 1. Personal insurance:
11.1.6. To receive an insurance payment, the Insurer, unless otherwise provided by the Insurance Policy, must provide the following documents:
11.1.6.1. Application in the form prescribed by the Insurer.
11.1.6.2. A copy of the Insurance Contract (Policy) or the original at the request of the Insurer.
11.1.6.3. An identity document of the Beneficiary or his representative and a duly executed power of attorney issued to the representative of the Beneficiary.
11.1.6.4. An official document issued by a state institution of medical and social expertise, certifying the fact of the establishment and the disability group of the Insured person: certificate of disability.
11.1.6.5. An official document of a competent organization containing the cause (main diagnosis) of disability: referral for a medical and social examination and / or an act of a medical and social examination, etc.
11.1.6.6. For employed Insured persons, a copy of closed disability certificates certified by the personnel department of the Insured Person, for unemployed persons, a copy of the work book (for students, educational institution a copy of form 095/y or a document replacing it), a certificate from the employment service (if necessary).
In addition to the documents listed above in this paragraph, medical or other documents are provided that disclose the circumstances of the event:
11.1.6.7. If the event occurred as a result of illness, the Insurer must be provided medical documents disclosing the circumstances of the insured event and issued by medical and preventive or special type healthcare institutions and / or private doctors (the most common documents in this regard are an extract from the medical history of the Insured person, other medical documents).
11.1.6.8. If the event occurred as a result of other reasons, the Insurer must be provided with documents from the bodies and institutions of the Ministry of Internal Affairs of Russia, the Ministry of Emergency Situations of Russia, the prosecutor's office or other competent authorities / organizations / institutions / persons (protocols, resolutions, certificates, definitions, etc.), if the event or his circumstances are fixed or should be fixed by them.
11.1.6.9. If the event occurred as a result of a traffic accident, when the vehicle was driven by the Insured Person, in addition to the documents specified in the previous paragraph, a certificate of examination for intoxication or another document containing information on whether the Insured Person (or a person to whom the Insured person transferred control of the vehicle) in a state of alcoholic, narcotic or toxic intoxication at the time of the event, which has signs of an insured event.
For Section 2. Property insurance:
11.1.7. Keep the damaged property in the form in which it turned out as a result of the occurrence of the event specified in clause 4.3.3 of these Rules until it is inspected by the Insurer. At the same time, the Policyholder is obliged to take reasonable and affordable measures in the circumstances to reduce possible damage or ensure the safety of people. When taking measures to reduce the amount of possible damage, the Policyholder must follow the written instructions of the Insurer, if they are communicated to the Policyholder.
11.1.8. Report to the state authorities that are authorized to investigate the circumstances and causes of damage, destruction or loss of the insured property. These bodies may be:
11.1.8.1. In case of fire - to the body of the State Fire Supervision / Ministry of Emergency Situations.
11.1.8.2. In the event of an explosion / explosion of domestic gas - Gosgortekhnadzor or other public services designed to supervise the operating conditions of power units (gas pipeline networks), emergency service authorities, housing maintenance organizations, internal affairs bodies.
11.1.8.3. In case of flooding / exposure to steam and / or liquid - emergency service authorities, housing maintenance organizations.
11.1.8.4. In the event of a fall of aircraft or their parts / fall of solid bodies
- emergency services.
11.1.8.5. When hit by a vehicle - the traffic police; bodies ensuring the safety of aircraft flights and navigation.
11.1.8.6. In case of illegal actions of third parties - internal affairs bodies.
11.1.8.7. In case of soil deformation (soil subsidence) - emergency services.
11.1.8.8. In case of structural defects - Gosarchstroynadzor.
11.1.8.9. In case of natural disasters - Hydrometeorological Service / Ministry of Emergency Situations.
11.1.9. Notify the Insurer in writing in the prescribed form of the loss or damage to the insured property.
A written notice must be sent to the Insurer or delivered to the Insurer's representative no later than 3 (three) business days following the day when the Insured became aware of the event, unless another notice period is provided by the Insurance Policy.
The insurance contract may contain a provision providing for a different procedure for notification of damage, destruction or loss of the insured property.
11.1.10. Notify the Insurer in writing about the commencement of an investigation by the competent authorities of the fact of damage, destruction or loss of the insured property, as well as inform the Insurer about the progress of the initiated investigation.
A written notice must be sent to the Insurer or delivered to the representative of the Insurer no later than 2 (two) business days following the day when the investigation was initiated, or the day when the Insured became aware or should have become aware of the initiated investigation, unless a different notice period provided for in the insurance contract.
11.1.11. Provide damaged property for inspection on any day at the request of the Insurer.
11.1.12. Provide, at the request of the Insurer, his participation in the examination to establish the causes of damage, destruction or loss of the insured property and / or determine the amount of damage caused, ascertain other circumstances of the occurrence of an event that has signs of an insured event.
11.1.13. Submit to the Insurer a written claim (application) for insurance payment and provide the Insurer with the necessary documents, namely:
11.1.13.1. Contract (Policy) of insurance.
11.1.13.2. Documents confirming the right of the Policyholder (the Beneficiary) to own, use and / or dispose of the insured property that is damaged, destroyed or lost.
11.1.13.3. Documents confirming the fact, place, date, time, causes and circumstances of damage, destruction or loss of the insured property.
11.1.13.4. Documents confirming the amount of damage caused.
11.1.13.5. Documents confirming the necessity and justification of the expenses incurred to reduce the damage indemnified by the Insurer, or to fulfill the written instructions of the Insurer. These documents are provided in cases where the Policyholder (the Beneficiary) has incurred expenses to reduce the damage indemnified by the Insurer and / or to fulfill the written instructions of the Insurer.
11.1.13.6. The decision to initiate (refuse to initiate) a criminal case, the protocol of the inspection of the scene of the incident and / or the protocol on administrative offense, a decision in a case on an administrative offense and / or a ruling on the initiation of a case on an administrative offense.
These documents are provided in case of damage, destruction or loss of the insured property due to illegal actions.
11.1.13.7. Documents from public service monitoring the state of the environment, which contain information about the nature, date, time and place of the natural disaster (hazardous natural phenomenon). These documents are requested in case of damage, destruction or loss of the insured property due to the impact of a natural disaster (hazardous natural phenomenon).
11.1.13.8. Documents necessary for the Insurer to exercise the right of claim that has passed to him, which the Insured (Beneficiary) has against the person liable for losses indemnified as a result of insurance. These documents are provided in the event that the Insurance Contract does not provide for the Insurer's waiver of the right to subrogation.
11.1.13.9. Renunciation of the owner's right of ownership to the insured property in favor of the Insurer. The specified document is provided in cases of loss or destruction of the insured property, if the owner has renounced his right of ownership to such property in favor of the Insurer.
For Section 3. Title Insurance:
11.1.14. Submit a written claim to the Insurer for the insurance payment and provide the Insurer with the necessary documents, including:
11.1.14.1. Insurance contract (Policy).
11.1.14.2. Documents confirming the right of the Policyholder (the Beneficiary) to own, use and / or dispose of the insured property, the right to which is lost / limited.
11.1.14.3. A statement of claim, a court decision, a ruling on the abolition of the arrest on the insured property, if one was imposed earlier.
11.1.14.4. Documents confirming the amount of damage caused.
For Sections 1–3:
11.2. After the Insured fulfills the obligations stipulated by paragraph
11.1 of these Rules, the Insurer is obliged to:
11.2.1. Check the documents received from the Policyholder (the Beneficiary).
For Section 1. Personal insurance:
11.2.2. Conduct an analysis for recognition / non-recognition of the event as an insured event within 10 (ten) business days, counting from 00:00 on the day following the day the Insurer received the full set of documents requested by him.
11.2.4. According to the results of the examination, within 5 (five) working days:
11.2.4.1. Approve the insurance act upon recognizing the event as an insured event or refuse the insurance payment by sending a written notice to the Insured Person (the Beneficiary) indicating the reasons for the refusal.
11.2.4.2. To notify the Insured Person (the Beneficiary) in writing of the deferred payment if, in accordance with the current legislation, an additional check has been appointed on the facts related to the occurrence of an event that has signs of an insured event, a criminal case has been initiated or a lawsuit has begun, until the end of the check, investigation or litigation or elimination of other circumstances preventing payment.
11.2.4.3. Make the insurance payment within 5 (five) business days following the date of approval of the insurance act by the Insurer.
For Sections 2–3:
11.2.5. Recognize the fact of the occurrence of an insured event (approve the insurance act) and calculate the amount of insurance compensation (insurance payment) no later than 10 (ten) business days following the day of receipt of all documents required by the Insurer, or send a written refusal to the Policyholder (Beneficiary) within the specified period in satisfaction of the presented claim for the payment of insurance compensation.
11.2.6. Pay the amount of insurance indemnity (insurance payment) specified in the insurance act no later than 5 (five) business days following the date of approval of the insurance act by the Insurer.
The insurance contract may contain a provision providing for other terms for the approval of the insurance act (sending a written refusal) and / or payment of the amount of insurance compensation (insurance payment).
For Sections 1–3:
11.3. The insurer may postpone the decision to recognize the fact of the occurrence of an insured event (on the refusal to satisfy the claim for the payment of insurance compensation (insurance payment)) in the event of:
11.3.1. If, during the verification of the received documents, a discrepancy between their composition and the composition of documents, which is determined in accordance with paragraph 11.1 of these Rules, is established, the presence of incomplete information in the received documents and / or their improper execution - until the identified deficiencies are eliminated.
11.3.2. If, when checking the received documents, it is established that the received documents do not allow the Insurer to determine the date, time, place, reasons, circumstances and / or the fact of the occurrence of an insured event, or the amount of damage
– until the Insurer receives the documents allowing to determine the date, time, place, causes and fact of the occurrence of the insured event, the amount of damage.
11.3.3. If during the verification of the received documents it is established that the received documents do not allow the Insurer to exercise the right to claim against the person responsible for the damage indemnified as a result of insurance - until the Insurer receives the documents that allow the Insurer to exercise the right to claim against the person liable for the damage.
11.3.4. If, when checking the received documents, it is established that the received documents do not confirm that the Insured (Beneficiary) has the right to receive insurance compensation - until the necessary evidence is received.
11.3.5. If a criminal case has been initiated on the fact of damage, destruction or loss of the insured property - until the court judgment on the criminal case enters into force or a decision is made to terminate (suspend) the criminal case.
11.3.6. If there is a review by the higher courts of the decision of the lower court - until the end of the review and the final decision of the higher court.
For Sections 1–3:
11.4. The Insurer refuses to satisfy the claim for payment of insurance indemnity (insurance payment) only in the following cases:
11.4.1. If the event provided for by the Insurance Policy as an insured event did not occur, or occurred during the time interval when the insurance stipulated by the Policy was not in effect (according to Section No. 9 of these Rules).
11.4.2. If the Policyholder (the Beneficiary) has not notified the Insurer of the occurrence of an event that has signs of an insured event, in the manner and within the time limits provided for by these Rules or the Insurance Policy, except when it is proved that the Insurer has learned in a timely manner of the occurrence of an event that has signs of an insured event, or the Insurer's lack of information about this could not affect its obligation to pay the insurance indemnity (insurance benefit).
11.4.3. If the damage does not exceed the deductible amount established under the Insurance Policy.
11.5. The insurer shall be released from the payment of insurance indemnity (insurance payment) in the following cases:
11.5.1. If the insured event occurred due to the intent of the Policyholder (the Beneficiary).
11.5.2. If the insured event occurred as a result of radioactive contamination, the effects of a nuclear explosion and / or radiation.
11.5.3. If the insured event occurred as a result of military operations, as well as maneuvers or other military measures.
11.5.4. If the insured event occurred as a result of a civil war, civil unrest of any kind or strikes.
For Sections 2–3:
11.5.5. If the insured event occurred as a result of the seizure, confiscation or requisition of the insured property by order of state bodies;
11.5.6. If the insured event occurred as a result of the arrest or destruction of the insured property by order of state bodies, except for the case when this provision is canceled by the Insurance Policy;
11.5.7. If the Policyholder (the Beneficiary) has waived his right to claim against the person responsible for the losses, or the exercise of this right has become impossible due to his fault;
11.5.8. In other cases provided for by law.
For Sections 1–3:
11.6. Unless otherwise expressly provided for by the provisions of these Insurance Rules, referred to in paragraphs. 11.1.6, 11.1.13 and 11.1.15 documents must be submitted in the form of originals or in the form of copies certified by a notary or by the body / institution / organization that issued the document and / or has its original.
11.7. The insurer has the right, at its discretion, to decide on the sufficiency of the actually submitted documents and request the missing documents / information / information or reduce the specified in paragraphs. 11.1.6, 11.1.13 and 11.1.15 of these Insurance Rules, the list of documents. In the latter case, the Insurer independently carries out an examination, establishes the facts and finds out the causes and circumstances of the event in accordance with clause 11.2 of these Rules of Insurance
12.1. If the Insurance Policy provides for the establishment of the sum insured, the amount of the insurance premium (insurance premiums) in foreign currency, then, unless otherwise provided by the Insurance Policy, the calculation of the amount of insurance compensation (insurance payment) is carried out in Russian rubles at the exchange rate of the Central Bank of the Russian Federation on the date of the insurance payment, if the foreign exchange rate does not exceed the maximum rate of payments, which is understood as the rate of the corresponding foreign currency established by the Central Bank of the Russian Federation on the date of transfer of the insurance premium, increased by 1 (one)% for each month (including incomplete) that has passed from the moment of transfer premiums by the insured.
If the foreign exchange rate set by the Central Bank of the Russian Federation exceeds the above maximum rate, the calculation of the amount of insurance compensation is carried out based on the maximum rate.
For Section 1. Personal insurance:
12.2. The amount of the insurance payment is determined on the basis of the sum insured specified in the Insurance Contract.
12.3. Unless otherwise agreed by the parties, upon the occurrence of an insured event provided for in subparagraphs 4.3.1, 4.3.2 of these Rules, 100% of the sum insured provided for by the Insurance Policy is paid, taking into account other conditions of the Insurance Rules and / or the Insurance Policy (limits of liability, procedure determination of insurance payment, etc.).
For Section 2. Property insurance:
12.4. Unless otherwise provided by the Insurance Contract, in case of damage to the insured property, the damage is calculated by summing up:3 12.4.1. Expenses for paying for the purchase and delivery of parts, assemblies, assemblies, structural elements, materials, components of the insured property necessary for the repair.
12.4.2. Restoration costs.
12.4.3. Expenses for payment of additional works and services4 in the part not exceeding 3% of the sum insured, unless otherwise provided by the Insurance Contract.
The costs listed in clause 12.4 of these Rules are necessary to bring the damaged insured property to the state it was in before the occurrence of the insured event - restoration costs.
Additional works and services include: disposal of the remains of property, preparation of a repair estimate, examination, transportation of damaged property to a place of storage and / or repair, storage of damaged property or its remains, testing and / or certification of restored property, registration and collection of documents to be provided to the Insurer, as well as other works and / or services that ensure the restoration of the violated rights of the Policyholder (the Beneficiary).
12.5. If the damage calculated in accordance with clause 12.4 of these Rules exceeds the insured value of the insured property, then it is considered that the loss of the insured property has occurred, and the damage is calculated in accordance with clause
12.6 of these Rules.
12.6. In the event of the loss of the insured property, the damage shall be considered equal to the difference between the insured value of the insured property and the amount that can be received from the sale of the remains of the insured property, if the Owner has not renounced his ownership of such property in favor of the Insurer.
If the Owner renounced his right of ownership to the insured property in favor of the Insurer, then the amount of damage is considered equal to the insured value of the insured property.
12.7. In case of loss of the insured property, the damage is considered equal to the insurable value of the insured property.
12.8. If the Insurance Contract provides for the effect of the Conditions on the aggregate sum insured and the amount of damage calculated in accordance with the content of paragraphs. 12.4–12.7 of these Rules exceeds the difference between the sum insured and the previously accrued amounts of insurance compensation (insurance payment), then the calculated amount of damage is reduced and is considered equal to the specified difference.
12.9. From the amount calculated in accordance with paragraphs. 12.4–12.8, the amount of the unconditional deductible is deducted.
12.10. When calculating the insurance indemnity (insurance payment), the ratio of the sum insured to the insured value is not taken into account and the insurance indemnity (insurance payment) is considered equal to:
12.10.1. The sum insured, if the damage exceeds the sum insured.
12.10.2. The amount of damage, if the damage does not exceed the sum insured.
12.11. Expenses incurred by the Insured (the Beneficiary) to reduce the damage indemnified by the Insurer and / or fulfill the written instructions of the Insurer shall be reimbursed in proportion to the ratio of the sum insured to the insured value, even when in the amount with the insurance indemnity (insurance payment) they exceed the sum insured.
These expenses are reimbursed if they were necessary and / or were incurred to fulfill the written instructions of the Insurer, even if the measures taken were unsuccessful.
For Section 3. Title Insurance:
12.12. Payment of insurance indemnity (insurance payment) is made within the limits of the sum insured established by the Insurance Contract, taking into account the deductible. The amount of insurance indemnity (insurance payment) is established after deducting: an unconditional deductible, the amounts received by the Insured as a result of restitution, and the amounts paid to the Insured (the Beneficiary) as compensation for non-execution of the transaction (by the other party to the transaction, the intermediary in the transaction or other third parties guilty of the occurrence of an insured event) or compensated by offsetting a counter homogeneous claim at the request of one of the Parties.
12.13. In case of termination (loss) of the right of ownership to the insured property, the insurance indemnity (insurance payment) is equal to 100% of the sum insured.
12.14. Unless otherwise provided for by the terms of the Insurance Policy, the amount of damage is determined in the amount of the cost of the pledged object as a result of restriction (encumbrance) of the rights of the Insured (Pledgor), established on the basis of a court decision, as the difference between the actual value of the property at the time of conclusion of the Policy and its market value on the date of occurrence of the insured event. The amount of insurance payment is established based on the amount of damage caused, but not more than the sum insured (liability limit) for insurance of restriction (encumbrance) of property rights for the period of insurance during which the insured event occurred.
13. SUBROGATION
For Sections 2–3:
13.1. The Insurer that has paid the insurance indemnity (insurance payment) is transferred, within the limits of the amount of insurance indemnity (insurance payment), the right of claim that the Insured (Beneficiary) has against the person liable for losses indemnified as a result of insurance.
13.2. 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.
14. DISPUTES RESOLUTION
14.1. The parties to the Insurance Agreement have established a mandatory claim procedure for settling disputes. The date of filing a claim is the date of the stamp of the postal department on the acceptance of the letter for dispatch.
14.2. The party that received the claim is obliged to consider it and respond on the merits of the claim (confirm consent to its full or partial satisfaction or report full or partial refusal to satisfy it) no later than one month from the date of receipt of the claim;
14.3. If it is impossible to reach an agreement on controversial issues, their decision is submitted to the judicial authorities in the manner prescribed by the current legislation of the Russian Federation.
– – –
1. GENERAL PROVISIONS
2. SUBJECT OF INSURANCE
3. OBJECT OF INSURANCE
4. INSURANCE RISKS. INSURED EVENT
5. SUM INSURED
6. INSURANCE PREMIUM
7. INSURANCE CONTRACT AND ITS TERM
8. RIGHTS AND OBLIGATIONS OF THE PARTIES
10. INSURANCE PAYMENTS
11. DISPUTES RESOLUTION
1. GENERAL PROVISIONS
1.1. Based on these Rules for life and health insurance of a borrower of mortgage and other types of loans (hereinafter referred to as the Insurance Rules) and the current legislation of the Russian Federation, SOCIETE GENERAL Life Insurance Limited Liability Company (SOCIETE GENERAL Life Insurance LLC), hereinafter referred to as the "Insurer ”, concludes with legal and capable individuals, hereinafter referred to as Insurers, Contracts for life and health insurance of citizens who are borrowers of mortgage and other types of loans (hereinafter referred to as the Loan Agreement), hereinafter referred to as the Insured Persons. On the basis of these Insurance Rules, the Insurer may conclude both individual and group insurance contracts.
1.2. The insurance contract is concluded in favor of the Beneficiary.
1.3. The main terms used in these Insurance Rules:
Death is a complete cessation of all physiological functions of the body of the Insured Person, supporting his vital functions, which occurred for any reason during the period of insurance for this insured risk (except for the cases specified in clause 4.4 of these Rules of Insurance).
Accident - an accidental, sudden, unintentional, short-term event from among those listed in clause 3.2 of these Rules of Insurance, which actually occurred from the outside (in addition to the will of the Insured Person) during the insurance period, as a result of which significant harm was caused to the health of the Insured Person, expressed in the establishment of disability of I or II group or death. Accidents do not include any form of acute, chronic and hereditary diseases (including heart attack, stroke and other sudden organ damage caused by hereditary pathology or pathology as a result of the development of the disease), anaphylactic shock.
Illness – an illness is understood to mean any disturbance of the normal functioning of the body, not caused by an accident, diagnosed by a qualified doctor on the basis of objective symptoms. Term of insurance - the period of time established in the Insurance Policy upon the occurrence of insured events, during which the Insurer's obligation to make an insurance payment arises (except for events that occurred under the circumstances listed in clause 4.4 of these Insurance Rules).
Insurance in equivalent - establishment of the sum insured in the currency of the Russian Federation in an amount equivalent to a certain amount in foreign currency.
Insurance premium – payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the Insurance Contract.
Insured risk is an expected event that has signs of probability and randomness of its occurrence, in the event of which occurrence insurance is carried out.
Sum Insured – the amount of money determined by the Insurance Contract, on the basis of which the amount of the insurance premium and insurance payment is determined.
Insured event - an event that has occurred, provided for by the Insurance Policy, upon the occurrence of which the Insurer's obligation arises to make an insurance payment to the Beneficiary.
Insurance payment - the amount of money established by the Insurance Policy and paid by the Insurer to the Beneficiary in accordance with the terms of the Insurance Policy upon the occurrence of an insured event.
Grace period - the period established by the Insurance Policy, during which the Insurance Policy continues to be valid if the Policyholder violates the obligation to pay insurance premiums in a timely manner.
2. SUBJECT OF INSURANCE
2.1. The insurer is SOCIETE GENERAL Life Insurance Limited Liability Company, a legal entity established in accordance with the legislation of the Russian Federation to carry out insurance activities on the territory of the Russian Federation and licensed in accordance with the procedure established by regulatory legal acts Russian Federation.
2.2. The insured may be an individual who is the Borrower under the Loan Agreement, who has insured himself (in this case, he is the Insured Person) and/or has insured other citizens, or a legal entity that has entered into an Insurance Agreement individual– Borrower under the Loan Agreement.
According to these Rules of Insurance, citizens (Insured Persons) whose age at the date of conclusion of the Insurance Policy is from 18 to 60 years old are accepted for insurance, at the date of expiration of the Insurance Policy
– no more than 65 years, unless other restrictions are provided by the Insurance Policy.
The age of the Insured Person is determined as the difference between the date of conclusion of the Insurance Contract and the date of birth of the Insured Person.
2.3. Persons specified in subparagraphs "a" - "c" of this paragraph are not subject to insurance:
a) patients with oncological, chronic cardiovascular diseases, HIV-infected, as well as persons registered in a narcological or neuropsychiatric dispensary;
b) suffering from any diseases (conditions) that are accompanied by chronic renal, hepatic insufficiency, circulatory insufficiency, respiratory and / or pulmonary heart failure;
c) those suffering from cerebral palsy, Down's disease, mental illness or dementia, severe nervous diseases, blind, deaf, paralyzed, as well as other persons who, for medical reasons, need constant outside help or pose a social danger.
The Insurer reserves the right, based on the results of a medical survey or a preliminary medical examination when concluding individual Insurance Contracts (groups of Insurance Contracts), to consider accepting a specific person for insurance and / or make individual underwriting decisions that entail the application of correction factors and / or changes to the list individual conditions insurance, to the extent that it does not contradict the current legislation of the Russian Federation and these Rules of insurance.
The medical examination is carried out, as a rule, at the expense of the Insurer.
However, the Insurance Contract may also provide for the possibility for the Policyholder to bear the costs of medical examination of the Insured persons in some part or in full.
If during the validity of the Insurance Contract it is established that the Policyholder (Insured Person) knowingly provided the Insurer with false information about the Insured Person having the above diseases, the Insurance Contract may be invalidated from the moment of its conclusion in accordance with the procedure established by the legislation of the Russian Federation.
2.4. The right to receive insurance payment belongs to the person in whose favor the Insurance Contract is concluded.
2.5. The Insurance Contract is concluded in favor of the Policyholder (the Beneficiary), unless another person is named in the Contract as the Beneficiary.
2.6. The Beneficiary is appointed with the written consent of the Insured Person.
2.7. Replacement of the Beneficiary under the Insurance Policy is regulated and carried out in accordance with the current legislation of the Russian Federation.
3. OBJECT OF INSURANCE
3.1. The object of insurance is the property interests of the Insured (the Insured Person, the Beneficiary) that do not contradict the current legislation and are related to the death of the Insured Person and / or damage to life or health.
3.2. An accident is defined as one of the following events:
3.2.1. Illegal actions of third parties.
3.2.2. Explosion, fire, electric shock, lightning strike, sunstroke.
3.2.3. Natural phenomena (earthquakes, floods, hurricanes, hail, etc.), as well as drowning.
3.2.4. Hypothermia of the body.
3.2.5. Concussion or contusion of the brain, contusion, injury, fracture (except for a pathological fracture), dislocation of a joint, traumatic loss of teeth, rupture of a muscle, ligament, tendon and other damage to internal organs and soft tissues, compression that resulted in dysfunction of the damaged organ.
3.2.6. Suffocation, accidental inhalation of a foreign body.
3.2.7. Poisoning by poisonous plants; chemicals;
substandard food products.
3.2.8. Drug poisoning.
3.2.9. Animal bites, including snakes.
3.2.10. The fall of an object from a height.
3.2.11. Fall of the Insured Person from a height.
3.2.12. Injuries received when exposed to sources of increased danger, including the movement of vehicles (cars, trains, trams, etc.) or when they crash, when using machines, mechanisms, weapons and all kinds of tools.
3.2.13. Other cases of impact on the body of the Insured Person, falling under the definition of an accident in accordance with clause 1.3 of these Rules of Insurance and the terms of the Insurance Policy.
4.1. An insured risk is an expected event that has signs of probability and randomness of its occurrence, in the event of which occurrence insurance is carried out.
An insured event is an event provided for by the Insurance Policy from among those specified in clause 4.2 of these Insurance Rules, which occurred during the insurance period established in the Insurance Policy, confirmed in the prescribed manner by documents in accordance with these Insurance Rules, upon the occurrence of which the Insurer's obligation arises to make insurance payment (with the exception of events that occurred under the circumstances listed in paragraphs.
4.4 and 4.5 of these Insurance Rules).
4.2. According to these Rules of Insurance, the Insurance Contract may provide for insurance payments in the event of an insured event for any (s) of the following risks:
4.2.1. Death of the Insured Person, which occurred for any reason during the period of insurance for this insurance risk (except for the cases specified in clause 4.4 of these Insurance Rules).
4.2.2. Initial establishment of disability of the Insured person of group I and / or II, which occurred as a result of an accident or illness, during the insurance period for this insured risk (except for the cases specified in clause 4.4 of these Insurance Rules).
4.2.3. Death of the Insured Person, which occurred as a result of an accident during the period of insurance for this insurance risk (except for the cases specified in clause 4.4 of these Rules of Insurance).
4.2.4. Primary establishment of the Insured person of disability of group I and / or II, which occurred as a result of an accident during the insurance period for this insurance risk (except for the cases specified in clause 4.4 of these Insurance Rules).
4.3. The insurance contract establishes the term of insurance. Unless otherwise provided by the agreement of the parties, the event specified in clause 4.2, when it occurred outside the insurance period, is not an insured event and payment on it is not made regardless of when the circumstances that caused such an event occurred.
4.4. The events provided for in clause 4.2 of these Insurance Rules are not insured events if they occurred as a result of:
4.4.1. A traffic accident if the vehicle was driven by the Insured person who was in a state of alcoholic, narcotic or toxic intoxication, or did not have the right to drive this vehicle, as well as if the vehicle control was transferred by the Insured person to a person knowingly who was in a similar condition or who did not have the right to drive this vehicle.
4.4.2. The Insured Person being in a state of alcoholic, narcotic or toxic intoxication, when such a state was one of the causes of the event and / or aggravated or accelerated the onset of the event, as well as if the onset of the insured event was directly or indirectly caused by the use (disease that developed in as a result of consumption) by the Insured Person of alcohol, narcotic drugs, psychotropic and other toxic substances.
4.4.3. Illnesses of the Insured directly or indirectly related to HIV infection.
4.4.4. Conditions / illnesses that / which the Insured had at the time of conclusion of the Insurance Contract, if the Insurer was not informed of their presence before the conclusion of the Insurance Contract and in relation to these conditions / diseases a risk assessment procedure was not carried out using the corresponding health condition of the Insured coefficient.
4.5. The events provided for in clause 4.2 of these Insurance Rules are not insured events if they occurred in the following circumstances:
4.5.1. Committing or attempting to commit unlawful acts by the Insured Person, the Policyholder or the Beneficiary.
4.5.2. Emergency, special provisions declared by the authorities in the manner prescribed by law.
4.5.3. Execution of the death sentence.
4.5.4. Participation in the preparation and conduct of a terrorist act.
4.5.5. Participation of the Insured person in air flights, except for flights as a passenger on officially registered flights.
4.5.6. Hazardous activities or hobbies, occupations on a professional basis in any kind of sports, including competitions and training, as well as participation in dangerous sports on a regular amateur basis: motor racing, air sports, mountaineering, martial arts, shooting, boxing, etc., except for those specifically stipulated at the conclusion of the Agreement with the use of an increased tariff.
4.5.7. Other circumstances specified in the Insurance Policy.
4.6. The Parties have the right to provide for provisions that differ from those provided for in clause 4.4 of these Insurance Rules, and / or shorten this list of exceptions and / or supplement it with other provisions.
4.7. The insurer is released from the payment of the sum insured upon the occurrence of an insured event as a result of the following events:
4.7.1. Commitment by the Insured person (the Policyholder or the Beneficiary) of intentional actions that led to the occurrence of an insured event.
The Insurer shall not be released from payment of the sum insured if the death of the Insured Person occurred due to suicide and by that time the Insurance Contract has been in force for at least two years.
4.7.2. The impact of a nuclear explosion, radiation or radioactive contamination.
4.7.3. Military operations, as well as maneuvers or other military activities.
4.7.4. Civil war, civil unrest of any kind, or strikes.
5. SUM INSURED
5.1. The sum insured is the amount of money established by the Insurance Contract, on the basis of which the amounts of the insurance premium and insurance payment are determined.
5.2. The sum insured as of the date of conclusion of the Insurance Agreement is set based on the amount of the Insured's debt under the Loan Agreement as of the date of conclusion of the Insurance Agreement, excluding bank commissions and interest on the loan, unless another procedure for determining the sum insured is provided by the Insurance Agreement.
The sum insured may be constant during the term of insurance or changing. Unless another procedure for changing the sum insured is provided by the Insurance Agreement, the sum insured changes during the insurance period in accordance with the change in the loan debt in accordance with the terms of the Loan Agreement. The amount of the changing sum insured as of the date of conclusion of the Insurance Contract is specified in the Insurance Contract.
When concluding a group Insurance Contract, the Parties shall set the sum insured for each Insured separately. Unless otherwise provided by the Agreement of the Parties, the total sum insured under the Insurance Policy is determined by adding the sums insured for all Insured persons.
5.3. Sums insured are indicated in Russian rubles, and in cases stipulated by the current legislation of the Russian Federation - in foreign currency.
Unless otherwise provided by the Agreement of the Parties, in case of “insurance in equivalent”, the sum insured is set in the currency of the Russian Federation in an amount equivalent to a certain amount in foreign currency, calculated at the exchange rate Central Bank Russian Federation as of the date of conclusion of the Insurance Contract. The insurance contract may establish a different exchange rate and / or a different date for its determination.
6. INSURANCE PREMIUM
6.1. The insurance premium is paid in a lump sum or in installments. The amount of the insurance premium and the procedure for its payment are specified in the Insurance Contract.
An insurance contract may provide for the establishment of an insurance premium both in rubles and in foreign currency. When insuring with a currency equivalent, the insurance premium is paid in rubles at the exchange rate of the Central Bank of the Russian Federation established for foreign currency on the date of payment (transfer).
6.2. The amount of the insurance premium is determined in accordance with the tariff rates established by the Insurer. The Insurer sets tariff rates on the basis of the basic tariff rates calculated by the Insurer, with the use of increasing and decreasing coefficients, taking into account possible risk factors, the results of the assessment of the insured risk carried out by it, carried out on the basis of: information and documents submitted by the Insured with an application for insurance; information independently received by the Insurer; opinions of experts and appraisers, which allow the Insurer to collectively identify risk factors that increase or decrease the likelihood of an insured event for each of the insurance risks included in the insurance contract.
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SOCIETE GENERALE Insurance, well-known in Russia, is part of the international financial group Societe Generale. The main distinguishing feature of the company is high-quality customer service and the desire to satisfy any wishes of consumers. Read an overview of the rules for the conditions and tariffs of NSG life insurance, here:.
Societe Generale specializes in bancassurance
Societe Generale in Russia has been engaged in insurance activities in Russia since 2006. The main specialization of the company is bank insurance. When forming various insurance programs, the company is based on many years of experience in international work. Plus, the team of the insurance company takes care of its customers and puts in the first place in its interests the maximum protection of citizens who applied to the company.
Societe Generale Life Insurance is based on personal insurance citizens who have obligations to banks. According to information collected by the Bank of Russia, in 2014 this program ranked 7th in Russia in terms of collected insurance premiums among similar insurance companies in the country.
If we take into account the international performance of the company, then Societe Generale Life Insurance:
Societe Generale Life Insurance licenses SZh No. 4079 and SL No. 4079 issued by the Bank of Russia for an indefinite period.
When insuring life, Societe Generale requires the following rules:
FROM complete list insurance rules can be found directly in the insurance company at the conclusion of the contract. To draw up an insurance contract, you should contact the employees of ROSBANK and Rusfinance Bank. Familiarize yourself with accumulative life insurance, what gives and what are the advantages.
Societe Generale Life Insurance offers life insurance programs for account holders and loan borrowers:
Insurance programs are developed individually, taking into account the needs of each client. At the same time, one condition remains unchanged for all borrowers. The insurance contract provides for the payment of the necessary amount to repay the balance of the loan, subject to the occurrence of an insured event.
And yet, each contract takes into account the personal characteristics of each case, it all depends on the terms of the loan and many other factors. The cost of the service ranges from 0.2 to 20% of the sum insured per year.
