When buying a car, every motorist is obliged to insure his property against accidents. In IC AlfaStrakhovanie, a wide range of services is provided to clients, including the issuance of an OSAGO and CASCO policy. How a contract is concluded in AlfaStrakhovanie and what are the advantages of such insurance for a car, we will tell in the article.

OSAGO insurance rules in AlfaStrakhovanie

According to the current legislation of the Russian Federation, in particular Federal Law No. 40 "On OSAGO", each vehicle owner is obliged to insure his property under the OSAGO system. Such a document covers the costs of citizens in the event of accidents on the road:

• road traffic accident;
• car breakdowns;
• damage to the vehicle due to natural disasters;
• unauthorized street vandalism.

According to the latest data from the PCA, IC AlfaStrakhovanie is one of the leading companies providing motor third party liability insurance services. Under the terms of the contract, the company, in the event of a traffic accident, reimburses:

• up to 400 thousand rubles - for damage to the property of a motorist and participants in an accident;
• up to 500 thousand rubles - in case of damage to the health of third parties.

Rules for property insurance under the OSAGO system in IC "AlfaStrakhovanie":

1. The sum insured paid in case of an accident is reduced by the price that was compensated to the insurer. This rule is valid for 12 months;
2. Compensation for damage to third parties is paid taking into account the degree of wear of the car or without it, depending on the chosen insurance;
3. AlfaStrakhovanie customers are paid the full cost of the car in the event of a "total death" of the car (if, according to experts, repair work is impossible);
4. The cost of insurance is reduced by 15% annually, taking into account the degree of wear of the car;
5. The term for payment of compensation is 5 days from the date of the traffic accident;
6. In case of car theft, the client is obliged to inform the manager of the company within 5 days;
7. Compensation to the victim, in the event of an insured event, is paid within 15 working days;
8. In case of car theft, the insurance is reimbursed to the owner within 30 days;
9. In addition to the main risks, IC AlfaStrakhovanie pays car owners the cost of evacuating the vehicle. Exceptions are damage to tires, car paintwork and external defects that do not affect the performance of the car.

Conditions for obtaining an insurance policy in AlfaStrakhovanie

According to the current legislation of the Russian Federation, motorists who have not insured their vehicle on time under the OSAGO system cannot:

• register a car and register it with the traffic police;
• drive a vehicle within the Russian Federation;
• get compensation for being involved in an accident.

In addition, fines will be constantly sent to citizens by mail, the amount of which is from 1 thousand rubles.

With an OSAGO policy issued, a car enthusiast will not only save on payments, but can also be sure of compensation for damage in case of an accident or street vandalism. Under the terms of the contract, the insurance is reimbursed in full. Its cost is formed on the basis of the following indicators:

1. The age of the motorist and driving experience;
2. Conscientiousness of execution of traffic regulations;
3. car engine power;
4. Degrees of vehicle wear;
5. Region of residence;
6. The number of drivers allowed to drive the vehicle.

Also, the cost of the OSAGO policy is affected by the Bonus-Malus coefficient, thanks to which you can save up to 50% on the price of the insurance premium.

How to get insurance?

Insurance for a car in AlfaStrakhovanie is issued remotely, on the official website of the company or at the office of the company with a personal request from a motorist.

Registration procedure:

1. Collection of necessary documents;
2. Filling out a questionnaire for obtaining an OSAGO or CASCO policy;
3. Conclusion of an insurance contract;
4. Calculation of the cost (a preliminary calculation is made using an online calculator);
5. Verification of the information entered in the PCA database;
6. Printout of the OSAGO policy form;
7. Payment of the cost of insurance.

You can pay for the policy immediately or in installments, monthly annuity payments.

List of required documents

The following documents are required to apply for insurance in IC AlfaStrakhovanie:

• identity card of the motorist;
• driver license;
• TCP for the car;
• certificate of ownership;
• diagnostic card (if the car is older than 3 years).

According to these documents, the insured person will need to fill out a form of the owner of the OSAGO policy, the form of which is provided at the company's office.

The procedure for receiving insurance payments in AlfaStrakhovanie

OSAGO insurance in IC AlfaStrakhovanie allows you to compensate for the damage caused to participants in a traffic accident in full or in part. The insurer will fulfill its obligations to each victim without restrictions on the number of insured events.

Rules
car insurance SK Alfastrakhovanie

1. Subjects of insurance and general conditions.
2. Objects of insurance.
3. Insured events and insurance risks.
4. Exclusions from insurance coverage.
5. Sum insured and insurance value.
6. Insurance premium, form and procedure for its payment.
7. Duration of the insurance contract.
8. Insurance contract.
9. Consequences of changing the degree of risk.
10. Rights and obligations of the parties.
11. The procedure and conditions for the payment of insurance compensation (collateral). The relationship of the parties in the event of an insured event.
12. Refusal to pay insurance compensation (collateral).
13. Transfer to the insurer of the rights of the insured (the Beneficiary) to indemnify damages in relation to third parties (subrogation).
14. Double insurance.
15. The procedure for making changes and additions to the insurance contract.
16. The procedure for resolving disputes and the responsibility of the parties.

1. Subjects of insurance and general conditions

1.1. These Rules are adopted in accordance with the current legislation of the Russian Federation on insurance, contain the conditions under which AlfaStrakhovanie OJSC, hereinafter referred to as the "Insurer", concludes insurance contracts for vehicles, civil liability of vehicle owners and places in a vehicle (hereinafter referred to as the Vehicle ) with legal and capable individuals, hereinafter referred to as the "Insurants".
1.2. Insurance carried out on the basis of these Rules is a relationship to protect the property interests of legal entities and individuals violated due to accidental adverse circumstances during the operation of the Vehicle upon the occurrence of certain events.
1.3. This insurance includes:
- insurance of the vehicle and additional equipment installed on it;
- civil liability insurance of vehicle owners;
- insurance of life and health of persons from an accident who are in the insured vehicle at the time of the insured event.
1.4. Insurance is carried out on the basis of an insurance contract (insurance policy) concluded between the Insurer and the Policyholder in accordance with the legislation of the Russian Federation and these Rules.
1.5. When concluding an insurance contract on the conditions contained in these Rules, these conditions become mandatory for the Policyholder, the Insurer, the Insured and the Beneficiary.
1.6. An insurance contract on the basis of these Rules is considered concluded if the insurance contract (insurance policy) directly indicates their application, the Rules themselves are set out in one document with the contract (insurance policy) or not on its reverse side, or are attached to it. The delivery of these Rules to the Policyholder at the conclusion of the insurance contract is certified by an entry in the insurance contract (insurance policy).
1.7. Definitions contained in these Rules:
a) "Insurant" - a legal entity of any form of ownership, an entrepreneur without forming a legal entity, a capable individual who owns a vehicle on the basis of ownership, the right of economic management or operational management, or on another legal basis (on the right of lease, by proxy on the right to drive a vehicle, by virtue of an order of the relevant authority, etc.) that has concluded an insurance contract with the Insurer;
b) "Full CASCO" - a combination of "Damage" and "Theft" risks.
c) "Partial CASCO" - insurance only for the risk of "Damage"
d) "Vehicles" - vehicles of domestic and foreign production (cars and trucks, wheeled tractors, trailers and semi-trailers, buses, motorcycles) registered or subject to registration by the traffic police.
e) "Additional equipment" - mechanisms, installations, fixtures, devices, other equipment, equipment and accessories permanently installed on the vehicle that are not included in the vehicle delivery set in accordance with the manufacturer's documentation, including:
- special painting;
- automotive television, radio and audio equipment;
- interior equipment, bodywork;
- devices;
- lighting, signaling and other equipment installed on the vehicle;
- complete wheels, not included in the manufacturer's package;
f) "Driver" - an individual who drives a vehicle legally and has a driver's license of the established form for the right to drive a vehicle.;
g) "Passenger" - another natural person, other than the driver, who is in the insured vehicle during its operation;
h) "Insured persons" - the driver and passengers;
i) "Injured persons" - legal entities and individuals who have been harmed by the Insured (Beneficiary, Insured persons).
j) "Beneficiary" - the person in whose favor the insurance contract is concluded.
k) "Accident" - a sudden short-term event that occurred against the will of the Insured Person and led to bodily injury, impairment of body functions of the Insured Person or his death.
l) "Demands of the Aggrieved Persons for compensation for the harm caused to them" - written demands (including in the form of claims) addressed directly to the Insured (Insured Person, Beneficiary), as well as statements of claim to the court.

2. Insurance objects

2.1. The object of insurance is the property interests of the Insured that do not contradict the legislation of the Russian Federation (in terms of personal insurance - the Insured persons), related to:
a) with the possession, use, disposal of a vehicle, insured additional equipment, due to loss, damage or destruction (hijacking, theft) of the vehicle and / or additional equipment installed on it;
b) with a decrease, temporary or permanent, in income and / or additional expenses due to disability, death of the driver or passengers of the insured vehicle as a result of the events listed in clause 3.2.1. of these Rules;
c) with the obligation of the Insured, in accordance with the procedure established by the civil legislation of Russia, to compensate for the harm caused to life, health or property of the Injured persons in connection with the use of the insured vehicle, excluding liability to passengers of the insured vehicle, as well as compensation to the Insured for legal and extrajudicial expenses associated with the onset of his responsibility for causing harm to the Injured persons (Beneficiaries).
2.2. Technically serviceable vehicles without significant mechanical and corrosion damage, approved for operation on public roads, registered (or subject to registration) with the competent state bodies authorized to register the vehicle, are accepted for insurance.

3. Insured events and insurance risks

3.1. Insured events are events that occurred during the period of validity of the insurance contract (insurance policy) provided for by the insurance contract, upon the occurrence of which the Insurer's obligation arises to make an insurance payment to the Insured (Insured Person, Beneficiary, Injured Persons).
3.2. The risks covered by insurance are:
3.2.1. "Damage" - damage to or destruction of the Vehicle (its parts) as a result of a traffic accident (hereinafter referred to as an accident), fire, explosion, natural disasters, falling foreign objects, damage to the Vehicle by animals, as well as damage to the Vehicle as a result of illegal actions of Third Parties;
3.2.2. "Theft" - the loss of a vehicle and / or additional equipment installed on it, individual components, assemblies and parts of the vehicle as a result of theft, robbery, robbery, theft (in the interpretation of these concepts by the criminal legislation of the Russian Federation);
3.2.3. "Damage on additional equipment" - damage or destruction of additional equipment as a result of an accident, fire, explosion, natural disasters, falling foreign objects, illegal actions of Third parties;
3.2.4. "Civil liability in the operation of vehicles" - the responsibility of the Insured or persons admitted by the Insured to drive the Vehicle and specified in the insurance contract (insurance policy) to the Injured persons for property or physical damage caused by accidental events (RTD) when using the insured Vehicle By the policyholder or a person/persons authorized by him/her.
Under an insurance contract concluded with an individual, the insured is the risk of civil liability of the Insured himself and persons operating the vehicle by proxy (on another legal basis) and directly indicated in the insurance contract (insurance policy) as persons admitted to driving the vehicle.
Under an insurance contract concluded with a legal entity, the insured is the risk of civil liability of the Insured himself when the insured vehicle is operated by drivers specified in the insurance contract (insurance policy) as persons admitted to driving the vehicle.
3.2.5. "Accident" - occurred as a result of accidents that occurred as a result of an accident, fire, explosion, natural disasters, falling foreign objects, damage to the vehicle by animals: temporary disability, permanent disability (disability) of the Insured Persons.
Under an additional agreement between the Policyholder and the Insurer, the risk of bodily injury, death of passengers and the driver of the insured vehicle as a result of illegal actions of Third Parties may be insured.
3.3. According to these Rules, insured events are recognized:
3.3.1. Destruction and / or damage to the Vehicle, its individual parts, assemblies and assemblies, as well as additional equipment installed on it as a result of:
- road accident;
- natural Disasters;
- fire or explosion, excluding events resulting from a short circuit;
- illegal actions of Third parties;
- falling foreign objects, including snow and ice.
3.3.2. Theft or theft of the vehicle and / or additional equipment installed on it.
3.3.3. Civil responsibility.
3.3.4. Accidents with the driver and passengers, including the loss of working capacity by the driver and/or passengers who were in the vehicle specified in the insurance contract (insurance policy), including the assignment of disability or their death (death) as a result of an accident.

4. Exclusions from coverage

4.1. According to these Rules, the following are not insured events:
4.1.1. Moral damage, lost profits, downtime, loss of income and other indirect and commercial losses, losses and expenses of the Insured, Beneficiary, Injured persons, such as: fines, hotel accommodation during the repair of the insured vehicle, travel expenses, losses associated with the timing supply of goods and production of services;
4.1.2. Losses caused by damage to property that was in the insured vehicle at the time of the insured event;
4.1.3. Damage caused by the loss of the commodity value of the Vehicle, natural wear and tear of the Vehicle and additional equipment as a result of their operation;
4.1.4. Damage caused by theft, damage, destruction of a set of tools, a first aid kit, a fire extinguisher, an emergency stop sign, stationary anti-theft devices, if the latter were not installed by the manufacturer or were not insured as additional equipment;
4.1.5. Damage caused by theft, damage, destruction of the insured car radio with a removable front panel (including the front panel), if the front panel was left in the insured vehicle during the absence of the driver;
4.1.6. Damage caused by theft of license plates;
4.1.7. Damage caused by breakdown, failure, failure of parts, components and assemblies of the vehicle as a result of its operation, including due to the ingress of foreign objects, animals, birds, substances, rain and melt water into the internal cavities of components and assemblies;
4.1.8. Damage caused by damage to tires and rims, if this did not entail damage to other components or assemblies of the vehicle;
4.1.9. Damage caused by point damage to a paintwork without damaging the part (chips).
4.1.10. Damage caused by the loss (including theft) of keys, key fobs, chips, electronic activation cards.
4.1.11. Losses incurred as a result of non-return of the insured vehicle to the Insured when insuring a vehicle being leased, leased, leased, etc.;
4.1.12. Theft of the insured vehicle along with the registration documents left in it (certificate of registration of the vehicle and / or vehicle passport, etc.), except in cases of open theft of the vehicle;
4.1.13. Theft of additional equipment or parts of the Vehicle, if they were at the time of the insured event separately from the insured Vehicle;
4.1.14. Theft of spare wheels of the vehicle, if their theft occurred without causing damage to the insured vehicle itself.
4.1.15. A traffic accident that occurred as a result of the Insured's operation of a technically faulty vehicle. A technically faulty vehicle is considered to be a vehicle that has malfunctions specified in the "List of malfunctions and conditions under which the operation of vehicles is prohibited" - "Appendix to the Basic Provisions for the admission of vehicles for operation and the duties of officials to ensure road safety".
4.2. Events that led to damage, death of the insured vehicle, causing harm, life and health of the Insured persons, as well as harm to the Injured persons are not recognized as insured events and are not covered by this insurance if they occurred as a result of:
4.2.1. intentional actions of the Insured, the Beneficiary, a person admitted to driving the insured vehicle under an insurance contract (policy), passengers of the insured vehicle, aimed at the occurrence of an insured event, or when the above persons commit or attempt to commit a crime.
The insurer is not exempt from paying insurance compensation under a civil liability insurance contract for causing harm to the life or health of the Injured persons, if the harm was caused through the fault of the person responsible for it;
4.2.2. while driving the insured vehicle:
- not admitted to management under an insurance contract (insurance policy);
- do not have a driver's license for the right to drive a vehicle or have a driver's license of the wrong category;
- not having a power of attorney for the right to drive an insured vehicle or not specified in the waybill;
- being in a state of any form of alcoholic, narcotic or toxic intoxication or under the influence of medications, the use of which is contraindicated when driving a vehicle, as well as if the driver of the insured vehicle fled the scene of an accident or refused to undergo a medical examination (examination).
4.2.3. transportation of vehicles as cargo;
4.2.4. use of the insured vehicle in competitions, trials or for driving lessons without the written consent of the Insurer;
4.2.5. transfer of the insured vehicle for leasing, rent, rental or pledge without written consent from the Insurer;
4.2.6. violation by the Insured or a person admitted to driving an insured vehicle under an insurance contract (policy) of the rules for the operation of the vehicle, fire safety, transportation and storage of flammable and explosive substances and objects, safety requirements for the carriage of goods (according to the Rules of the Road);
4.2.7. exposure to a nuclear explosion, radiation or radioactive contamination;
4.2.8. military actions, maneuvers or other military actions, civil war, civil unrest of any kind or strikes, confiscation, seizure, requisition, arrest or destruction of the insured vehicle by order of state authorities.

5. Sum insured and insured value

5.1. The sum insured is the amount of money determined by the agreement between the Insured and the Insurer (insurance contract), within which the Insurer undertakes to pay insurance compensation (collateral) upon the occurrence of an insured event.
The sum insured can be set in Russian rubles or in the currency equivalent.
5.2. The sum insured for the insurance of the vehicle and the additional equipment installed on it must not exceed their actual value.
5.3. The actual (insurance) value is the value of the vehicle, additional equipment at its location on the day the insurance contract is concluded. The insurance value is indicated in the insurance contract or insurance policy. If the insured value is not specified separately, it is considered that it coincides with the sum insured.
5.4. The sum insured for the Vehicle and additional equipment installed on it is determined by agreement between the Insured and the Insurer in an amount not exceeding their actual value, which is determined based on the cost of a new Vehicle and additional equipment, taking into account their wear and tear.
The actual cost of additional equipment does not include the cost of its installation.
Unless otherwise stipulated by the insurance contract, during the validity period of the insurance contract, the Insurer sets the following wear rates for the Vehicle and additional equipment installed on it:
- 18 (eighteen) percent of the sum insured in the first year of operation of the vehicle and additional equipment installed on it;
- 15 (fifteen) percent of the sum insured in the second year of operation;
- 10 (ten) percent in subsequent years of operation,
The year of commencement of operation is the year of manufacture of the vehicle and the year of manufacture of additional equipment.
5.5. The sum insured for civil liability insurance is established by agreement reached between the Policyholder and the Insurer. The insurance contract (policy) within the limits of the sum insured may establish a limit of the Insurer's indemnity for each insured event.
5.6. In case of accident insurance, the sum insured is established by agreement of the parties:
5.6.1. On the terms of insurance under the "lump-sum system", the total sum insured is established for all seats in the vehicle, with the establishment of the Insurer's indemnity limits for each victim;
5.6.2. Under the terms of insurance according to the "seat system", the sum insured is negotiated separately for each seat in the vehicle.
When insuring the driver and passengers against accidents, the number of insured seats cannot exceed the number of seats in the vehicle provided by the manufacturer.
5.7. Sums insured for the insured Vehicle, additional equipment installed on it, for civil liability and accident insurance, agreed between the Policyholder and the Insurer upon conclusion of the insurance contract, may subsequently be increased for an additional premium. An increase in the sum insured is formalized by an additional agreement of the parties.
5.8. The insurance contract may establish the sum insured for the vehicle below the insurance value (incomplete property insurance). With the occurrence of an insured event, the Insurer shall compensate the Insured or the Beneficiary for part of the losses incurred by the latter in proportion to the ratio of the sum insured to the insured value. The insurance contract may provide for a higher amount of insurance indemnity, but in any case it cannot exceed the insured value of the vehicle and/or additional equipment.
5.9. In the insurance contract (insurance policy), the parties may indicate the amount of loss not compensated by the Insurer - deductible. The franchise can be conditional or unconditional and is set as a certain percentage of the value of the insured property or in a certain amount:
- when establishing a conditional (non-deductible) deductible, the Insurer shall not be liable for a loss not exceeding the deductible amount, but shall compensate the damage in full if its amount exceeds the deductible amount;
- when an unconditional (deductible) deductible is established, in all cases, the loss is compensated minus the amount of the deductible.
5.10. After the payment of the insurance indemnity, the insurance amount under the insurance contract for the relevant risk is reduced by the amount of the insurance payment made for this risk, unless otherwise provided by the insurance contract. The policyholder has the right to restore the sum insured by concluding an additional agreement on the terms of these Rules for the remaining period of insurance with payment of the corresponding part of the insurance premium.

6. Insurance premium, form and procedure for its payment

6.1. The insurance premium is a payment for insurance, which the Policyholder is obliged to pay to the Insurer in accordance with the insurance contract (policy).
6.2. The amount of the insurance premium is calculated on the basis of the sums insured, tariff rates and the period of insurance.
6.3. Tariff rates are set on the basis of basic tariff rates, taking into account specific insurance conditions that take into account the characteristics of the vehicle, the conditions and features of its operation, the insurance period, insured risks, as well as other factors affecting the likelihood of an insured event and the amount of possible damage.
6.4. Payment of the insurance premium is made by cash or non-cash payment, in a lump sum or in installments (two or more insurance premiums) within the time limits established by the insurance contract (insurance policy).
6.5. If the insurance contract provides for the payment of the insurance premium in installments (two or more insurance premiums) and by the time of the insured event the insurance premium will not be paid in full, the Insurer shall have the right, when determining the amount of the insurance indemnity to be paid, to deduct the amount of unpaid insurance premiums from the amount of the insurance indemnity .
6.6. If, in accordance with the insurance contract, the insurance premium is paid in installments and by the time of establishing the circumstances related to the fact that the sum insured exceeds the insured value, it has not been paid in full, the remaining insurance premiums must be paid in the amount reduced in proportion to the reduction in the sum insured.

7. Duration of the insurance contract

7.1. The insurance contract is concluded for a period of one year, unless otherwise provided in it.
7.2. An insurance contract, in accordance with these Rules, is considered short-term if it is concluded for a period of less than a year.
7.3. If before the expiration of the previous insurance contract, an insurance contract is concluded for a new (next) term, then the Insurer's liability under the new insurance contract begins from the moment the previous insurance contract expires, subject to the timely payment of the insurance premium under the new contract.
7.4. The insurance contract comes into force from 00:00 on the day following the day of payment of the insurance premium or its first installment, and terminates at 24:00 of the day specified in the agreement (insurance policy) as the date of its expiration. The insurance contract may provide for a different term for its entry into force.

8. Insurance contract

8.1. The insurance contract is concluded in writing.
8.1.1. An insurance contract can be concluded by drawing up one document - an insurance contract;
8.1.2. The insurance contract may be concluded by handing over by the Insurer to the Insured on the basis of his written or oral application of the insurance policy (certificate, certificate, receipt) signed by the Insurer and the Insured.
8.2. The insurance contract is an agreement between the Insured and the Insurer, by virtue of which the Insurer undertakes, upon the occurrence of an insured event, to make an insurance payment to the Insured (Insured person, Beneficiary), in whose favor the insurance contract is concluded, and the Insured undertakes to pay the insurance premium in accordance with the insurance contract (insurance policy) terms.
8.3. A vehicle insurance contract can only be concluded in favor of a person who has an interest based on law, other legal act or contract in the preservation of this vehicle (for example, in favor of the owner, lessee, tenant, mortgagee, commission agent to whom the property was transferred). The insurance contract concluded if the Policyholder or the Beneficiary has no interest in keeping the insured vehicle is invalid.
8.4. In order to conclude an insurance contract, the Policyholder submits an application for insurance signed by him to the representative of the Insurer, unless otherwise provided by the insurance contract. In the application, he indicates accurate and complete information about the object of insurance and other necessary information that is essential for concluding an insurance contract, determining the likelihood of occurrence of insured events and the amount of possible losses from their occurrence.
If, after the conclusion of the insurance contract, it is established that the Policyholder provided the Insurer with knowingly false information about the circumstances specified in clauses. 8.4 and 8.5. of these Rules, the Insurer has the right to demand recognition of the insurance contract as invalid.
8.5. When concluding an insurance contract, the Insured (Beneficiary) must document his rights to the insured property and property interest in preserving the said property, as well as submit copies of the registration documents for the Vehicle - a vehicle registration certificate, a vehicle passport.
8.6. When concluding an insurance contract or changing its conditions, the Policyholder (the Beneficiary) is obliged to present the vehicle for inspection to the representative of the Insurer. The results of the examination are recorded by the Insurer in writing and signed by the Insured. The Insurer is not liable for damaged or missing for any reason elements of the Vehicle (assemblies, assemblies, parts) recorded during the inspection of the vehicle at the time of conclusion of the insurance contract.
8.7. In case of loss of the insurance contract (insurance policy) during the period of its validity, the Insurer issues a duplicate of the insurance contract (policy) to the Policyholder, based on his written application.
8.8. The territory of insurance coverage is the territory of the Russian Federation, unless otherwise provided by the insurance contract.
8.9. The insurance contract is terminated in the following cases:
- expiration of its validity;
- fulfillment by the Insurer of obligations under the contract in full;
- death of the Insured - an individual or liquidation of the Insured - a legal entity, except for cases when the name of the Insured in the insurance contract (policy) is changed during its reorganization (merger, accession, division, spin-off, transformation);
- liquidation of the Insurer in accordance with the procedure established by the legislation of the Russian Federation;
- recognition by a court decision of the insurance contract as invalid;
- in other cases stipulated by the current legislation of the Russian Federation.
8.10. The insurance contract is terminated before the date for which it was concluded, if after its entry into force the possibility of an insured event has disappeared, and the existence of the insured risk has ceased due to circumstances other than an insured event, the Policyholder is obliged to notify the Insurer in writing.
In case of early termination of the insurance contract due to circumstances other than an insured event, the Insurer is entitled to a part of the insurance premium in proportion to the time during which the insurance was valid.
8.11. The policyholder has the right to cancel the insurance contract at any time, if by the time of cancellation the possibility of an insured event has not disappeared due to circumstances other than an insured event.
8.12. In case of early cancellation of the Policyholder (the Beneficiary) from the insurance contract, the insurance premium paid to the Insurer shall not be refunded, unless otherwise provided by the insurance contract.
8.13. If the insurance contract or agreement to it provides for the possibility of returning part of the insurance premium upon termination of the insurance contract at the initiative of the Insured, then its return is made in proportion to the term of the insurance contract and taking into account the costs of the Insurer. The rest of the insurance premium is non-refundable after 10 months from the commencement of the insurance contract.

9. Consequences of changing the degree of risk

9.1. During the validity period of the insurance contract, the Policyholder (the Beneficiary) is obliged to notify the Insurer in writing of all significant changes in the circumstances reported to the Insurer when concluding the insurance contract, if these changes may significantly increase the risk of insurance. The Policyholder or the Beneficiary shall be obliged to immediately notify the Insurer of all significant changes, but in any case not later than 24 hours from the moment they became aware of this in any available way (including by phone or fax), and no later than 3 days notify the Insurer in writing, attaching documents confirming these changes.
Amendments stipulated in the insurance contract (insurance policy), application for insurance and in the Rules of insurance are recognized as significant, which, in particular, are:
9.1.1. Transfer of the insured vehicle and / or its additional equipment under a lease (rental), pledge or other civil law contracts;
9.1.2. Transfer of ownership of the vehicle to another person;
9.1.3. Significant damage or destruction of the insured object caused by a non-insured event;
9.1.4. Changing the purposes of its use specified in the application;
9.1.5. Deregistration of the vehicle with the traffic police, re-registration of the vehicle with the traffic police;
9.1.6. Loss, theft or replacement of vehicle registration documents;
9.1.7. Replacing the body or engine of the vehicle;
9.1.8. Loss (including theft) of keys, key fobs, chips, electronic activation cards from the insured vehicle;
9.1.9. Changing the list of persons admitted to driving the vehicle, directly specified in the insurance contract (insurance policy);
9.1.10. Changing the storage conditions of the vehicle.
9.2. In the cases provided for in clauses 9.1.6, 9.1.8, the Policyholder or the Beneficiary is obliged to immediately, but in any case not later than 24 hours from the moment they become aware of this, notify the competent authorities and the Insurer in writing. If these deadlines are not observed, the Insurer has the right to fully or partially refuse to pay insurance compensation.
9.3. The insurer, notified of the circumstances entailing an increase in the insured risk, has the right to demand a change in the terms of the insurance contract or payment of an additional insurance premium in proportion to the increase in the insurance risk.
If the Policyholder objects to changing the terms of the insurance contract or additional payment of the insurance premium, the Insurer has the right to demand termination of the contract.
9.4. If there is no notification or untimely notification of the Insurer about the circumstances set forth in clause 9.1 of these Rules, the Insurer has the right to refuse to pay insurance compensation upon the occurrence of an insured event.
9.5. Regardless of whether the increase in the degree of risk has occurred or not, the Insurer has the right, during the term of the insurance contract, to check the condition of the insured Vehicle and the additional equipment installed on it, as well as the correctness of the information provided by the Policyholder.

10. Rights and obligations of the parties

10.1. The insurer is obliged:
10.1.1. To familiarize the Insured with the Insurance Rules and hand over a copy of the Rules to the Insured when concluding an insurance contract (insurance policy);
10.1.2. After receiving from the Policyholder (the Beneficiary) an application for the payment of insurance compensation, the fulfillment of the obligations specified in clause 10.2. of these Rules, within the terms provided for by these Rules and the insurance contract (insurance policy), investigate the causes and circumstances of the insured event, determine the amount of damage, and in the event of an event, the insurance company pays insurance compensation.
10.1.3. Notify the Policyholder of the refusal to pay insurance compensation (collateral), if there are grounds for refusal, within the period specified in clause 12.3. of these Rules.
10.1.4. Do not disclose information about the Insured and his property status, except as provided by the legislation of the Russian Federation;
10.1.5. Perform other actions stipulated by the insurance contract.
10.2. The insured is obliged:
10.2.1. Pay the insurance premium (insurance premiums) in the manner and terms established by the insurance contract (insurance policy);
10.2.2. When concluding an insurance contract (insurance policy), inform the Insurer of all circumstances known to him that are relevant to the assessment of the insured risk, as well as all existing or concluded insurance contracts in relation to this Vehicle, present the Vehicle for inspection to the Insurer;
10.2.3. In the event of an insured event, take the necessary measures to save the insured vehicle, prevent its further damage and reduce damage;
10.2.4. After the occurrence of an event that has signs of an insured event, immediately, but in any case not later than 24 hours from the moment of its occurrence, notify the competent state authorities and the Insurer about it.
10.2.5. Within 5 calendar days from the moment of occurrence of the insured event, submit to the Insurer a written application in the established form on the occurrence of the insured event and the payment of insurance compensation. Indicate in the application all the circumstances of the occurrence of the insured event known to the Insured at the time of application.
In the event of an insured event outside the Russian Federation, the obligation specified in clause 10.2.5. The insured must perform within a period not later than 3 days after his return from abroad. Requirements of paragraphs 10.2.4. and 10.2.5 do not apply to events that occurred at the risk of "ACCIDENT".
10.2.6. Agree with the Insurer on the repair procedure for the damaged vehicle;
10.2.7. After liquidating the damage caused by the insured event and restoring (repairing) the Vehicle, present it to the Insurer. In case of failure to fulfill the specified obligation or refusal of the Insured to fulfill this obligation, the Insurer shall not be liable for similar repeated damage to the Vehicle.
10.2.8. Return to the Insurer the received insurance indemnity in full or part of the insurance indemnity, if during the limitation periods provided for by the legislation of the Russian Federation such a circumstance is discovered that, under the law or these Rules, completely or partially deprives the Insured or the Beneficiary of the right to insurance indemnity;
10.2.9. Notify the Insurer of the receipt by the Insured (Beneficiary) of compensation from other persons guilty of causing damage to him, within 24 hours from the date of receipt of such compensation;
10.2.10. Return to the Insurer the amount of the insurance indemnity received for the stolen Vehicle and/or additional equipment, if the Vehicle and/or additional equipment are found, or transfer the found Vehicle and/or additional equipment to the Insurer, which is formalized by the relevant written agreement of the parties.
10.2.11. Bring to the attention of persons admitted to driving the insured vehicle the requirements of these Rules and the insurance contract (insurance policy).
10.2.12. Perform other actions stipulated by the insurance contract (insurance policy) and these Rules;
Responsibilities specified in clause 10.2. of these Rules are also assigned to the Beneficiary and the Insured persons.
10.3. The insurer has the right:
10.3.1. Check the information provided by the Insured, the Beneficiary, the Insured and other persons, as well as the implementation by the Insured of these Insurance Rules and the terms of the insurance contract (insurance policy);
10.3.2. If necessary, send requests to the competent authorities for the provision of relevant documents and information confirming the fact and reason for the occurrence of an insured event;
10.3.3. Independently find out the causes and circumstances of the insured event;
10.3.4. The Insurer has the right to conduct cases in judicial and arbitration bodies on behalf of and on behalf of the Insured, as well as on his behalf to make statements regarding the claims presented by the Injured Persons in connection with insured events. In this case, the Policyholder is obliged to issue a duly executed power of attorney to the representative of the Insurer to represent his interests.
10.4. The insured has the right:
10.4.1. Early terminate the insurance contract in the manner prescribed by the legislation of the Russian Federation;
10.4.2. Obtain a duplicate of the insurance contract (insurance policy) in case of its loss;
10.4.3. When concluding an insurance contract (insurance policy), the policyholder has the right to appoint legal entities and individuals (Beneficiaries) who have an interest in maintaining the insured vehicle to receive insurance payments under the insurance contract (insurance policy), and also replace them at their own discretion before the occurrence of an insured event .

11. The procedure and conditions for the payment of insurance compensation (collateral). The relationship of the parties in the event of an insured event.

11.1. The Insurer compensates the Insured (the Beneficiary, the Injured Persons) for losses incurred as a result of the occurrence of an insured event. Compensation for damage is made by paying insurance compensation in the amount determined in accordance with the content of this section.
11.2. The insurance indemnity is paid after the causes, participants, consequences of the event and the amount of damage are fully determined, provided that the Insurer recognizes the event as an insured event. In this case, the obligation to provide documents substantiating the reasons for the occurrence of the insured event and the amount of damage lies with the Policyholder or the Beneficiary.
11.3. Payment of insurance indemnity is made after the Insurer recognizes the event as an insured event and receives from the Policyholder (the Beneficiary) all documents requested by the Insurer within:
- 30 days for the risk of THEFT;
- 15 days for the risks of DAMAGE, DAMAGE TO ACCESSORIES, CIVIL LIABILITY DURING OPERATION OF VEHICLES, ACCIDENT.
11.4. The date of payment of insurance indemnity is the date of debiting funds from the Insurer's account, the date of payment of funds from the cash desk of the Insurer or the date of signing by the Policyholder and the Insurer of an agreement on offsetting mutual monetary claims.
11.5. The amount of insurance indemnity (collateral) is determined by the Insurer on the basis of documents confirming the amount of losses within the sum insured and taking into account the amount of the Insured's own participation in compensation for losses (franchise). 11.6. In the event of an insured event on the risks "DAMAGE", "DAMAGE TO ADDITIONAL EQUIPMENT":
11.6.1. In the event of damage to the Vehicle and additional equipment installed on it, insured against the risk of DAMAGE, the amount of losses is recognized as equal to the cost of repair and restoration work carried out in relation to the damaged Vehicle and additional equipment installed on it, ensuring the elimination of damage resulting from the occurrence of an insured event.
The cost of repair and restoration work includes:
- the cost of purchasing spare parts;
- the cost of consumables;
- the cost of repair work.
11.6.2. The amount of losses and the reasons for their occurrence are established by the Insurer's experts by inspecting the damaged vehicle and additional equipment installed on it, on the basis of documents received from the competent state bodies, commercial and other organizations.
11.6.3. The insurer indemnifies losses associated with the elimination of hidden damages and defects caused by an insured event, identified during the repair process and documented.
If hidden damages and defects are discovered, the Policyholder is obliged to notify the Insurer about this before they are eliminated so that he can draw up an additional inspection report.
The insurance contract may provide for reimbursement of expenses agreed by the parties related to the rental of the vehicle for the period of repair of the insured vehicle, but not more than 30 days.
11.6.4. If the vehicle, as a result of an insured event, is unable to move independently, the Insurer shall reimburse the Insured for the costs of delivering the Vehicle from the accident site to the nearest repair or parking areas, subject to documentary evidence of these costs.
11.6.5. If the Insured does not agree with the amount of losses and/or with the reasons for their occurrence, which were established by the experts of the Insurer, then the Insured has the right to demand an independent examination. An independent examination is carried out by an expert organization proposed by the Policyholder and approved by the Insurer.
11.6.6. In the event of complete structural or actual loss of the Vehicle and/or additional equipment installed on it, as well as in cases where their refurbishment exceeds 75% of the insured value, the Insurer pays out insurance indemnity on the terms of "Total loss" under one of the following options:
a) pays an insurance indemnity in the amount of the sum insured minus the depreciation amount of the vehicle and/or additional equipment installed on it for the period of validity of the insurance contract, the amount of previously made payments of insurance indemnity for the relevant risk and the cost of the balances from the vehicle and additional equipment suitable for further sale; equipment, provided that the usable remains remain at the disposal of the Insured;
b) pays an insurance indemnity in the amount of the sum insured minus the depreciation amount of the vehicle and/or additional equipment installed on it for the period of validity of the insurance contract, the amount of previously made payments of insurance indemnity for the relevant risk, subject to the transfer of the balance of the vehicle and additional equipment by the Insured ( Beneficiary) to the Insurer.
Payment of insurance indemnity on the terms of "TOTAL DEATH" is made minus the cost of missing (replaced) or damaged parts and assemblies, the absence and / or damage of which is not related to the considered insured event.
After the insurance indemnity is paid on the terms of "TOTAL DEATH" of the vehicle and/or additional equipment installed on it, the insurance contract is terminated, and the insurance premium is not refunded.
11.6.7. In order for the Insurer to make a decision on recognizing the event as insured and paying out insurance compensation for the risk of "DAMAGE" and "DAMAGE to ADDITIONAL EQUIPMENT", the Insured (Beneficiary) is obliged:
11.6.7.1. Fulfill the relevant obligations under clause 10.2. of these Rules.
11.6.7.2. Present to the authorized representative of the Insurer for inspection and drawing up an inspection report the damaged vehicle, additional equipment or parts thereof in the form in which they turned out as a result of the insured event.
11.6.7.3. Agree with the Insurer on the procedure for paying insurance compensation and carrying out the restoration repair of the Vehicle and additional equipment installed on it;
11.6.7.4. Submit the following documents to the insurer:
a) the original certificate of the competent state authorities, confirming the fact of the occurrence of the insured event and its consequences, namely:
- for an accident - documents containing the necessary information to recognize the event as an insurance event, including indicating other participants in the accident) and a decision certified by the preliminary investigation authorities to initiate or refuse to initiate a criminal case, if any.
- for illegal actions of third parties - documents confirming this fact with a list of damages received by the vehicle, containing other necessary information, as well as certified copies of the decision to initiate or refuse to initiate a criminal case on this fact;
- on fire - the conclusion of the State Fire Supervision Authority (OGPS);
- for a natural disaster - a certificate from the state body exercising supervision and control over the state of the environment (hydrometeorological service bodies), confirming the qualification of the event as a natural disaster and confirmation of contacting the internal affairs bodies at the scene of the incident;
b) copies of documents confirming the property interest of the Insured or the Beneficiary (Vehicle registration certificate, vehicle passport, lease agreement or other agreement), as well as documents confirming the driver's right to drive the insured vehicle (driver's license, power of attorney, waybill);
c) originals or duly certified copies of payment documents confirming the costs of the Insured or the Beneficiary for the restoration of the damaged vehicle and / or additional equipment (calculation, bills, invoices, waybills, work orders, etc.)
d) a copy of the license (with attachments) of the car service that carried out the repair and / or independent examination, duly certified;
e) an original contract for the provision of services (contracts, etc.) or a duly certified copy thereof, concluded between the Insured and a car service center and / or an independent examination for drawing up an expert opinion on the amount of losses and / or for restoring a damaged vehicle and / or additional equipment;
f) a document confirming the delivery and acceptance of the work (services) performed;
g) originals or duly certified copies of payment documents confirming the costs of the Insured (the Beneficiary) for the preparation of estimates and for the restoration of the Vehicle and / or additional equipment.
11.6.8 The Insurer has the right to pay insurance indemnity without the Policyholder (the Beneficiary, the Insured persons) providing a certificate from the state competent authorities in case of damage to one body element (including the bumper cover) - no more than two times during the term of the insurance contract, one glass element - without limiting the number of applications, unless otherwise provided by the insurance contract. At the same time, the Insurer shall not indemnify for damage to eliminate discovered hidden damage.
11.7. In the event of an insured event under the risk "Theft":
11.7.1. In case of theft of the Vehicle and/or additional equipment installed on it, insured under the "THEFT" risk, the Insurer shall pay insurance indemnity in the amount of the sum insured for the Vehicle, minus the amount of depreciation of the Vehicle at the time of the occurrence of the insured event and the amount of previously paid insurance indemnities under corresponding risk, unless the insurance contract provides for a different amount of insurance indemnity for the risk "Theft".
11.7.2. In order for the Insurer to make a decision on recognizing the event as an insured event and paying out insurance compensation to the Insured for the risk of "THEFT", the Insured (Beneficiary) is obliged to:
11.7.2.1. Fulfill the relevant obligations under clause 10.2. of these Rules.
11.7.2.2. Submit the following documents to the Insurer:
- the original certificate of the competent authorities on the initiation of a criminal case on the fact of the theft of the vehicle and / or additional equipment installed on it;
- copies of resolutions (certified by state competent authorities) on the initiation or refusal to initiate a criminal case and the suspension of a criminal case on the fact of theft of the vehicle and / or additional equipment installed on it;
- original registration documents for the vehicle (passport of the vehicle, certificate of registration of the vehicle), except when they are attached to the materials of the criminal case or stolen by open theft along with the vehicle;
- original powers of attorney issued for the right to own, use, dispose of the insured vehicle;
- other documents requested by the Insurer, necessary for making a decision on recognizing the event as an insured one and paying insurance compensation.
11.7.2.3. The Policyholder is obliged to hand over to the Insurer all sets of keys to the Vehicle, alarm key fobs, keys to other anti-theft systems installed on the insured Vehicle.
11.7.2.4. It is also a necessary condition for the Insurer to make a decision on the payment of insurance compensation for the risk of THEFT, is the conclusion between the Insurer and the Insured (Beneficiary) of an agreement on the procedure for paying insurance compensation and the procedure for the Insured (Beneficiary) to act in case of detection of a stolen vehicle and/or an additional vehicle installed on it. equipment.
11.7.3. After payment of the insurance indemnity for the stolen additional equipment in full, the contract for it is terminated. When insuring newly installed additional equipment, an addendum to the insurance contract is drawn up, the validity period of which cannot exceed the validity period of the main insurance contract (policy) for the vehicle, while the Policyholder pays the Insurer an additional insurance premium.
11.7.4. After the payment of insurance compensation in connection with the theft of the vehicle, the contract is terminated, the insurance premium is not refunded.
11.7.5. Upon agreement with the Insured, the Insurer may pay out the insurance indemnity for the stolen vehicle by providing the Insured with a vehicle with a value within the amount of the insurance indemnity.
11.7.6. In case of theft of a Vehicle not equipped with an anti-theft system, the Insurer pays the Insured an insurance indemnity in the amount of 80% of the amount of insurance indemnity calculated in accordance with these Rules.
11.8. In the event of an insured event at the risk of "CIVIL LIABILITY DURING OPERATION OF VEHICLES":
11.8.1. The amount of insurance compensation is determined by the Insurer on the basis of documents confirming the fact of causing and the amount of damage, in accordance with the current legislation of the Russian Federation and these Rules.
11.8.2. The amount of insurance compensation includes:
11.8.2.1. Expenses for compensation for harm caused to injured persons entitled to compensation in accordance with the civil legislation of the Russian Federation.
In case of harm to the health of an individual or death, these expenses include:
- earnings, which the victim has lost due to disability or its reduction as a result of injury or other damage to health;
- additional expenses necessary for restoring health (for enhanced nutrition, sanatorium treatment, outside care, prosthetics, transportation costs, paid medical care, etc.);
- part of the earnings, which, in the event of the death of the victim, were lost by disabled persons who are dependents or who had the right to receive maintenance from him;
- Burial expenses.
In case of causing property damage to an individual or legal entity, these expenses are determined by the actual damage caused by the destruction or damage to property:
- in case of complete loss of property, the real damage is equal to the actual value of the lost property minus depreciation and the cost of remnants suitable for use;
- in case of partial damage to property, real damage is determined as the amount of expenses necessary to bring the damaged property to the state in which it was before the insured event.
The amount of these expenses in the settlement of claims in the pre-trial procedure is determined by agreement between the Insurer and the person who filed the claim, with the participation of the Policyholder or the Insured Person.
In the event that the indicated Parties fail to reach a mutually acceptable agreement, the amount of expenses for compensation for the harm caused is determined by the decision of the judicial authorities.
11.8.2.2. Expenses incurred by the Policyholder or the Insured Person in order to reduce losses to be reimbursed by the Insurer, if such expenses were necessary or were incurred to fulfill the instructions of the Insurer. These expenses are reimbursed in the manner prescribed by Article 962 of the Civil Code of the Russian Federation.
11.8.2.3. Expenses of the Insured or the Insured person for conducting cases in the judicial authorities on insured events, if these expenses were made in pursuance of the written instructions of the Insurer or with his written consent.
11.8.3. The amount of the Insured's expenses reimbursed by the Insurer related to the satisfaction of the justified claims of the Injured Persons against the Insured, the Insured's expenses for conducting cases in the courts on alleged insured events, as well as other expenses provided for by these Rules, may not generally exceed the amount of the sum insured at risk " Civil liability in the operation of vehicles", established by the insurance contract. 11.8.4. In the event that the driver of the insured vehicle causes
damage to life, health and (or) property of third parties due to the operation of the insured vehicle. The insured is obliged to:
11.8.4.1 Immediately, but in any case no later than 5 (five) calendar days from the date of occurrence of the insured event, notify the Insurer in writing of all property claims against the Policyholder in connection with the insured event.
11.8.4.2. In the course of consideration by the Insurer of the claims of the Injured persons, to send, at the Insurer's instruction, written requests to the Injured persons for the provision of documents necessary for the investigation of the insured event by the Insurer, as well as to take all measures to ensure the participation of the Insurer in the inspection of the damaged property and assessment of the damage caused;
11.8.4.3. Fulfill the relevant obligations under clause 10.2. of these Rules.
11.8.4.4. Submit the following documents to the insurer:
- documents containing the necessary information to recognize the event as an insured event;
- copies of the decision to initiate or refuse to initiate a criminal case, certified by the preliminary investigation bodies, if any;
- a document confirming the call of the Insured to inspect the damaged vehicle in order to draw up an inspection report and an expert opinion on the cost of restoring the damaged property
- an act of inspection of damaged property and a calculation (estimate, conclusion) of damage, drawn up by a certified independent expert organization licensed to carry out appraisal activities;
- documents confirming the existence of the right of ownership or other property interest in the deceased (lost) or damaged property of the Injured persons at the time of the insured event;
- documents confirming that the Injured persons (injured and/or injured) have the right to claim against the Insured (Insured persons);
- court decision, if any;
- other documents requested by the Insurer and necessary for making a decision on recognizing the event as an insured one and making the payment of insurance compensation.
11.8.4.5. The obligations of the Insured to provide the documents specified in the previous paragraph of these Rules may be performed by the Injured persons (injured and / or injured as a result of an accident).
11.8.4.6. When recognizing the validity of the claims of the Injured persons declared to the Policyholder (the Insured) for compensation for the damage caused to them, the Insurer recognizes the case as insured and pays the insurance indemnity to the Injured persons within the time limits stipulated by these Rules.
11.9. In the event of an insured event at the risk of "ACCIDENT":
11.9.1. Upon the occurrence of an insured event, the Policyholder, the Insured Persons or the Beneficiary are obliged to immediately, but in any case not later than 30 (thirty) days from the date of the occurrence of the insured event, notify the Insurer of the event in writing.
11.9.2. In order for the Insurer to make a decision on recognizing the event as insurance and paying insurance coverage for the risk of "ACCIDENT", the Policyholder, the Insured Person or the Insured Person's heirs have the right to apply to the Insurer with an application for payment of insurance coverage within a period not later than 3 years from the date of the insured event.
11.9.3. In order to receive insurance coverage in connection with disability, the Policyholder or the Insured person must provide the Insurer with the following documents:
- insurance policy;
- statement of the insured event indicating the affected Insured persons;
- original documents from a medical institution indicating the diagnosis made to the Insured person, or duly certified copies of the named documents.
11.9.3.1. In the event that a disability is established for the Insured Person, the Policyholder or the Insured Person is obliged to provide the Insurer, in addition to those listed in clause 11.9.3. of these Rules to documents, the conclusion of a medical institution - the original or a duly certified copy.
11.9.4. In order to receive insurance coverage in connection with the death of the Insured person, his heirs provide the following documents:
- insurance policy,
- statement of the insured event indicating the affected Insured persons,
- the original certificate from the competent state authorities, confirming the fact of the occurrence of an insured event with an indication of the victims;
- a notarized copy of the death certificate of the Insured Person;
- a detailed medical report indicating the causes of death of the Insured Person;
- a notarized copy of the certificate of the right to inheritance;
11.9.5. Upon the occurrence of an insured event, the Insurer pays insurance coverage in the following amounts:
11.9.5.1. In case of death of the Insured person, who is insured under the lump-sum system - in the amount of the indemnity limit for each Insured person. In this case, the reimbursement limit is:
- 40% of the sum insured, if one Insured person has suffered as a result of an insured event;
- 35% of the sum insured for each victim, if two Insured persons suffered as a result of an insured event;
- 30% of the sum insured for each victim, if three Insured persons suffered as a result of an insured event;
- in equal shares for each victim, if four or more Insured persons suffered as a result of an insured event.
11.9.5.2. In case of death of the Insured person, who is insured according to the system of places - in the amount of the sum insured per one place.
11.9.6. In the event of permanent disability (disability) of the Insured Person, payments are made in the following amounts:
a) under the "lump-sum system" of insurance:
1st group-100%,
2nd group - 75%,
3rd group - 50% of the indemnity limit for each Insured person specified in clause 11.9.5.1 of these Rules;
b) when insuring under the "system of seats"
1st group -100%,
2nd group - 75%,
3rd group - 50% of the insurance
amount per seat.
11.9.7. In case of temporary disability of the Insured person, the Insurer pays insurance coverage in the amount of 0.25% of the relevant sum insured for each day of incapacity for work starting from the fifteenth day, but in total, not more than 10% of the sum insured. If, after a period of temporary disability, the Insured Person is assigned a disability group by the relevant commission, the total amount of insurance indemnity paid to this person cannot exceed the amount specified in clause 11.9.6.
11.10. For each risk, the total amount of payments for all insured events cannot exceed the sum insured established for the corresponding risk in the insurance contract (policy).

12. Refusal to pay insurance compensation (collateral)

12.1. The insurer has the right to refuse to pay the insurance indemnity (collateral) to the Insured in the event of:
12.1.1. Provision by the Policyholder to the Insurer of knowingly false information, data and documents on the insured vehicle;
12.1.2. Receipt by the Insured of the appropriate compensation for damage from the person guilty of causing damage to the Vehicle and / or additional equipment (refusal on the risk of "DAMAGE" and "Theft");
12.1.3. Destruction or damage to the Vehicle as a result of an event that is not recognized by the Insurer as an insured event;
12.1.4. The occurrence of the event before the entry into force of the insurance contract;
12.1.5 Deliberate failure by the Policyholder (the Beneficiary) to take reasonable and affordable measures to reduce possible losses.
12.1.6 Non-fulfillment by the Insured of the obligations stipulated by these Rules and the terms of the insurance contract, which resulted in the inability of the Insurer to make a decision on recognizing the event as insurance and paying insurance compensation (collateral).
12.1.7. If the Policyholder (the Beneficiary) or their authorized person did not present the vehicle for examination by the Insurer's experts after the occurrence of the insured event.
12.2. If the Policyholder or the Beneficiary waived their right to claim against the person responsible for the losses indemnified by the Insurer, or the exercise of this right became impossible due to the fault of the Policyholder or the Beneficiary, the Insurer shall be released from payment of the insurance indemnity in full or in the relevant part and shall have the right to demand the return of the overpaid amount compensation (not ensuring the right to claim against the guilty persons).
12.3. The decision to refuse to pay insurance compensation (collateral) is made by the Insurer and notified to the Insured (the Beneficiary, Injured persons) in writing with a reasoned justification for the reasons for refusal within 15 days from the date of receipt from the Insured of all documents on the event and the fulfillment by the latter of all obligations stipulated insurance contract and these Rules.
12.4. The terms of the insurance contract may provide for other grounds for refusing an insurance payment, if this does not contradict the legislation of the Russian Federation.

13. Transfer to the insurer of the rights of the insured (beneficiary) to indemnify damages in relation to third parties (subrogation)

13.1. The Insurer that has paid the insurance indemnity shall, within the limits of the paid amount, transfer the right of claim that the Policyholder (the Beneficiary) has against the person responsible for the losses indemnified as a result of insurance.
13.2. The Policyholder (Beneficiary) is obliged to transfer to the Insurer all documents and evidence, as well as to inform him of all the information necessary for the Insurer to exercise the right of claim that has passed to him.
13.3. If the Policyholder (the Beneficiary) received compensation from other persons for the damage caused, the Insurer shall pay only the difference between the amount payable under the terms of the insurance contract (policy) and these Rules, as well as the amount received from other persons.

14. Double insurance

14.1. The Policyholder (Beneficiary) is obliged to inform the Insurer in writing about all insurance contracts concluded with other insurance companies in relation to the insured object. At the same time, the Policyholder (the Beneficiary) is obliged to indicate the name of other insurance companies, the objects of insurance and the amounts of insurance sums.
14.2. If at the time of the occurrence of the insured event, other insurance contracts for similar risks were also in force with respect to the insured object, the Insurer shall pay compensation for damage in the amount proportional to the ratio of the sum insured under the contract concluded by the Insurer to the total amount under all insurance contracts concluded by the Insured for this object.
14.3. If the conclusion of several insurance contracts in respect of an object insured by the Insurer for similar risks for an amount exceeding its insured value (under the contract with the Insurer) was the result of intent on the part of the Insured, the Insurer has the right to demand that the contract be recognized as invalid and compensation for the losses caused to it in accordance with the current legislation of the Russian Federation.

15. Procedure for making changes and additions to the insurance contract

15.1. Change of the contract is possible by agreement of the parties, unless otherwise provided by the insurance contract.
15.2. An agreement to amend or terminate a contract is made in the same form as an insurance contract, unless otherwise provided by law, other legal acts, contracts or business practices.
15.3. In the event of amendments to the insurance contract, the obligations are considered changed and come into force from the day the parties agree to amend or terminate the contract, unless otherwise follows from the agreement or the nature of the amendment to the contract.

16. Procedure for resolving disputes and liability of the parties

16.1. Disputes arising in the process of fulfilling obligations under an insurance contract are resolved through negotiations.
16.2. If no agreement is reached on controversial issues, their decision is submitted for consideration to a court of general jurisdiction or to an arbitration court in the manner prescribed by the current legislation of the Russian Federation.
16.3. In case of non-fulfillment or improper fulfillment of the obligations stipulated by these Rules and the insurance contract (policy), the parties shall be liable under the current legislation of the Russian Federation.

To calculate the CASCO or OSAGO insurance premium, issue a policy, consult on auto insurance or invite our specialist, you just need to contact us:

or send an application for calculating the insurance premium or issuing a policy from the SMS page of our website.

A risk is an event that can occur and cause damage to property. Auto Insurance Company offers its clients to insure housing against the following risks:

1. Fire. The company is in the first place, since a fire is a destructive phenomenon that does not depend on the location of the apartment.
2. Flooding or seepage of water from premises not belonging to the client. Demanded among people who have recently made repairs, but have unscrupulous neighbors.
3. Accidents. These are emergencies that occur with plumbing, heating, sewer or fire systems.
4. The fall of aircraft and objects, as well as their fragments.
5. Hitting. Involves non-customer owned ground vehicles. Choose mainly the owners of the apartment on the ground floor.
6. Illegal actions performed by third parties.

Programs and boxed insurance

Alfastrakhovanie provides its clients with various apartment insurance programs, including the so-called boxed insurance - when the policy already includes a certain set of conditions, risks, as well as sums insured:

1. good neighbors. This is protection against damage to real estate as a result of unforeseen situations.
2. Mortgage. This is a comprehensive program that aims to reduce the cost of the mortgage owner.
3. Municipal insurance. Preferential insurance of real estate, which is in communal ownership.
4. Protection of property rights. This is a unique program that allows you to protect the owner from the risk of losing the right to own an apartment for reasons beyond the control of the insured person.
5. S7 Priority. This crediting of bonuses for the purchase of air tickets, participation in the program is available to an AlfaStrakhovanie client who has paid for a policy to protect real or movable property.

An example of calculating the cost of a policy

The cost of insurance depends on many factors, including:

• customer needs;
• terms and safety of the object of insurance;
• the age of the insured.

So, let's consider the calculation of the cost on an example. The location of the property is Moscow, its area is 62 m2, a new building. Possible risks: fire, engineering systems failure, explosion, natural disasters, illegal actions of third parties, water seepage from neighboring premises. Objects: decoration and equipment (900,000 rubles), household property (250,000 rubles), civil liability (500,000 rubles). The total cost of the policy will be: 3,500 + 1,550 + 3,050 = 8,100 rubles.

General rules

Alfa insurance operates within the framework of the legislation of the Russian Federation on insurance. Each service of the company is carried out taking into account separately formulated requirements. The standard set of AlfaInsurance rules includes the following items:

1. General provisions.
2. Amount of the agreement (sum insured, tariffs and premiums of the company).
3. Definition of an insured event and risks.
4. Terms of compensation for losses in the event of an insured event.
5. Terms: agreements, customer requests, consideration of the issue, payment of monetary compensation.
6. Terms of payment/non-payment.
7. Rights and obligations of the parties.

Purchasing insurance for an apartment: step by step instructions

Documentation

The insured is obliged to submit to the company a corresponding application and the following set of documents:

Drawing up an application

The insurance agreement is concluded on the basis of the Policyholder's application. It must be completed in writing. A written application is an integral part of the insurance contract. When writing an application, you must provide the following information:

• passport data;
• purpose of the appeal: apartment insurance (about the possibility to attach copies of documents for the property that is supposed to be insured);
• all information about objects and items claimed for insurance.

The completed application is submitted to the insurer. The application of the credited person is considered within 24 hours from the moment of application. Further, an insurance agent works with the client, who deals with each specific case separately.

Submission of papers

After collecting all the necessary documentation and filling out the application, it is necessary to submit papers to Alfastrakhovanie. You can do this by email. [email protected] or come to the office in person.

Registration of the contract

When concluding an insurance contract, the policyholder undertakes to inform the Insurer of all circumstances known to him that are essential for determining the degree of risk regarding the apartment accepted for insurance.

The conclusion of the contract on the basis of inaccurate or false information provided by the Insured entitles the Insurer to demand that the insurance agreement be declared invalid and apply the consequences provided for by the legislation of the Russian Federation.

Prior to the conclusion of the contract, the Insurer or its representative has the right to inspect the apartment. Based on the application, the parties decide to accept the property for insurance, formulate the risks, set the sum insured and determine additional insurance conditions.

The insurance contract is concluded in writing. It can be concluded by drawing up one document - an insurance contract signed by the Insurer and the Insured, or by handing over by the Insurer to the Insured on the basis of his written or oral application of an insurance policy signed by the Insurer. Separate provisions of the agreement can be drawn up on separate sheets in the form of Clauses to the policy.

Other changes to the terms of the agreement are made in writing on the basis of an additional agreement to the policy. Additions and Reservations are integral parts of the contract (policy).

The agreement contains the following items:

• General provisions.
• Objects of insurance.
• Insurance risks.
• Sum insured.
• Franchise.
• Territory of insurance.
• Insurance premium.
• The entry into force of the agreement, the term of the termination of the agreement.
• Change in the degree of risk.
• Rights and obligations of the parties.
• The procedure for determining losses and paying insurance compensation.
• Subrogation.
• Double insurance.
• Dispute resolution.

When concluding a contract, you need to pay attention to the following points:

Getting a policy

For the convenience of customers, the company provides online policy activation services. To confirm the information, contact and personal data of the client are required:

• FULL NAME.;
• Date of Birth;
• email address.

To activate, specify the number, date of purchase and cost of the policy. Enter all these data in the columns of specific insurance programs. In some cases, the finished policy is sent to the client by e-mail.

How long is the contract?

The term of insurance is 12 months. The Agreement shall enter into force at 00:00 on the 6th day, which follows the day of payment of the full amount of the insurance premium.

Termination rules

The insurance contract may be terminated in the following cases:

1. expiration of its validity - at 00:00 on the day following the date of expiration of insurance;
2. fulfillment by the Insurer of obligations under the contract in full;
3. liquidation of the Insured;
4. liquidation of the Insurer in accordance with the procedure established by the legislative acts of the Russian Federation;
5. by agreement of the parties;
6. refusal of the Policyholder - from the insurance contract (clause 7.6 of these Rules).

Alfa Insurance is a popular and reliable insurance company, which has been protecting real estate from various unpleasant situations for a long time. The insurance procedure is simple and very convenient. To do this, it is not necessary to personally place the branch, since everything can be done online.

OJSC "AlfaStrakhovanie" is one of the largest insurance companies in Russia, which has been carrying out insurance activities for about 25 years. The property insurance programs offered by the company allow you to reliably protect movable and immovable property from theft, fire, flooding and other unpleasant incidents.

Advantages of property insurance in AlfaStrakhovanie

At the end of 2015, IC AlfaStrakhovanie became the absolute leader in the Russian market in the property insurance segment, having collected 5,139,482 thousand rubles. insurance premiums and paid 618,135 thousand rubles. compensation.

The authorized capital of the company is 5 billion rubles, and the reliability rating of the company is estimated by the Expert RA agency as exceptionally high with a stable outlook. The company's insurance obligations are guaranteed by international reinsurance organizations, including: Partner Re, Hannover Re, Swiss Re, Munich Re, SCOR.

Types of property insurance programs

IC "AlfaStrakhovanie" offers various programs for insurance of movable and immovable property, brief descriptions of which are presented below.

"ALFAREMONT"

The program provides insurance for the interior and exterior decoration of the apartment and household property against the following insurance risks:

• fire, gas explosion;
• flooding;
• burglary, theft.

"Good neighbors!"

This program is designed to insure civil liability to neighbors and guarantees compensation for losses in case of damage to the property of third parties. The program coverage is available for both owned and rented housing. The insurance risks covered by this program include:

• fire;
• short circuit;
• plumbing accidents.

"ALL INCLUSIVE!"

A unique, unparalleled program that allows you to simultaneously insure property, life and health against unforeseen situations. The following can be selected as objects of insurance:

• real estate;
• personal items;
• bank cards;
• civil liability to neighbors;
• accident insurance;
• insurance against unforeseen medical expenses.

"Insurance of cultural property"

The program was created to avoid financial losses associated with the loss or damage of cultural property, art and collectibles. The following objects are subject to insurance under this program:

• unique historical items of cultural value (paintings, graphics, icons, lithographs, author's photographs, works of fine and decorative art);
• items used for display, storage, restoration.

The program guarantees compensation for losses caused by such insured events as:

• fire, gas explosion;
• exposure to water;
• natural disasters;
• theft, embezzlement, robbery, intentional infliction of harm by third parties;
• vandalism, terrorism;
• loss of one of the paired items.

"Purchase protection!"

The program allows you to insure household appliances and electronics at the time of purchase against the following risks:

• fire, gas explosion, lightning strike;
• exposure to water;
• natural disasters;
• mechanical impact of foreign objects;
• illegal actions of third parties;
• damage not covered by the manufacturer's warranty.

"Insurance of yachts and boats"

This program provides insurance for small boats, namely:

• sailing, motor and sail-motor boats;
• small yachts;
• additional equipment installed on board;
• trailer for ship transportation.

Insurance under this program guarantees compensation for losses associated with the occurrence of such insurance risks as:

• fire, explosion, lightning strike;
• natural disasters;
• grounding;
• collision of the vessel with other objects;
• falling on the ship of foreign objects;
• damage caused by illegal actions of third parties;
• damage that occurred at the time of launching or lifting the vessel.

The cost of property insurance programs

The cost of property insurance in AlfaStrakhovanie depends on the chosen program, the list of insurance risks and the amount of insurance coverage. The table presents data on the cost of real estate insurance for the most popular programs offered by IC Alfastrakhovanie in 2017.