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Страхование имущества

What should the Insured do in case of damage:

  • Take all possible measures to reduce the damage and rescue the insured object, including those recommended by the Insurer.
  • Immediately notify the competent authorities and within 72 hours (not counting weekends and holidays) fr om the moment of discovery of the damage, notify the Insurer of this in any available way (by phone, fax), unless otherwise specified by a specific Insurance Contract.
  • Submit a written statement about the occurrence of damage (in the form established by the Insurer) indicating the circumstances of its occurrence, no later than 10 (ten) working days from the date of notification (notification) of the Insurer about the occurrence of damage, as well as the documents requested by the Insurer, establish the cause and extent of damage.
  • Provide the Insurer with the opportunity to inspect or examine the damaged insurance object, investigate the causes and extent of damage.
  • At the request of the Insurer to inform him in writing of all the information necessary for judging the size and causes of damage or destruction of the insured object.
  • Provide the Insurer with the lists (inventory) of damaged, lost or lost insurance objects. These lists (inventories) must be submitted within the time agreed with the Insurer, but in any case no later than one month from the day the insured event occurs. Inventories are compiled with the value of the damaged insurance objects on the day the insured event occurs.
  • Save injured objects of insurance in the form in which they were after the insured event. Changing the picture of loss is possible only if this is dictated by considerations of security and / or the desire to reduce the size of the damage.
  • Transfer to the Insurer all documents and take all measures for the Insurer to exercise the right to claim the guilty persons.

The obligations of the Policyholder arising from the Contract and these Rules, with the exception of the obligation to pay the insurance premium, apply equally to the Beneficiary. Failure by the Beneficiary of these obligations entails the same consequences as failure of the Insured to fulfill them.

The basis for the payment of insurance indemnity is a statement of the Insured (Beneficiary) about the insured event, the original of the policy, a document certifying the ownership of the insured property, an inspection report drawn up by the representative of the Insurer, damage assessment prepared by the appraisal organization, and documents of the competent authorities (Hydrometeorology, Fire Department). security, Ministry of Emergency Situations, Ministry of Internal Affairs, investigating authorities, court, etc.).

Damage is determined by:

  • in case of abduction (loss) of property - in the amount of its insurance amount under the Agreement;
  • in case of property destruction - in the amount of its insurance amount minus the value of existing balances suitable for further use;
  • in case of damage to property - in the amount of the cost of its restoration.

Recovery costs include (unless otherwise provided by the Insurance Contract):

  • expenses for materials and spare parts necessary for the restoration of property. The cost of restoration is determined by taking into account the wear and tear of materials and spare parts replaced in the process of restoration (repair), namely: if the property’s wear exceeds 30%, the residual value of the parts replaced during the repair process (parts, components and .P.);
  • expenses for restoration work.

Recovery costs do not include:

  • costs associated with changes and / or improvement of the insured object;
  • expenses caused by temporary (auxiliary) repairs.

If the property of the Insured was not fully insured, or at the time of occurrence of the insured event it appears that the insured amount under the Contract is lower than the insured value of the affected property, the Insurer will compensate for the damage proportionally to the ratio of the insured amount to the insured (actual) value of the property according to the formula:

II = (CL * (IS / AV)) - F, wh ere

II - payable insurance indemnity;

IS - the sum insured under the Agreement;

AV - the actual value of the property;

CL - the actual amount of the compensated loss;

F - franchise (in its absence is 0).

At the same time, the compliance of the insurance sums of the insurance value of the property is established separately for each insured object.

To transfer the payment to your bank account, specify the list of necessary details in the application in the established form:

  • The name of the bank indicating the legal form, the name of the bank branch, the city in which the bank is located;
  • TIN of the beneficiary's bank;
  • Code of the beneficiary's bank;
  • The beneficiary's bank account;
  • Personal account of the recipient;
  • Bank card number (if any);
  • Full name of the beneficiary's recipient (exactly as entered in the bank, since sometimes the full name of the first and last name in the passport and bank is different - for example, they can be written in Latin, with or without a middle name, etc.) ;
  • If the recipient is a legal entity (legal entities), then the recipient's TIN is required; in this case, when filling in the details in the database, it is necessary to indicate the legal entity. face.