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 programs apartment insurance, 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 the AlfaStrakhovaniya client who has paid for a policy to protect real estate 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, accident engineering systems, 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 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 make a decision to accept real estate for insurance, formulate risks, establish sum insured and determine additional conditions of insurance.

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 serving the Insurer to the Insured on the basis of his written or oral application 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 payments 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 the manner prescribed legislative acts RF;
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.

Service for VIP clients

• How to become a VIP client
• Types of insurance
  • auto insurance
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  • Property insurance
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  • International health insurance

Property insurance

AlfaStrakhovanie offers you an individual approach and exclusive real estate and property insurance programs that provide the highest level protection of your property interests.

Exclusive programs
We do not offer you to use mass standardized insurance products - a personal manager will help you combine a contract that meets your insurance conditions. Comprehensive insurance
AlfaStrakhovanie is always by your side. Within the framework of one contract, you can insure civil liability to third parties, as well as protect yourself and your loved ones from accidents. On-site arrangement
You do not need to waste time driving to the office: your car will be useful for other trips. Your personal manager will arrange everything Required documents right at your home, all you have to do is sign the contract. Independent expertise
Our relationship with the client is based on the objectivity of professional assessments and consultations. In the event of an insured event, an expert in the settlement of losses and a representative of an independent expert organization will promptly come to you to assess the amount of damage.

Call us on 8 495 786 2742

OSAGO insurance for legal entities

The acquisition of such an important document, to protect the automobile liability of their working drivers, for a legal organization will differ significantly from the execution of OSAGO policies by individuals. This type of insurance is mandatory. Therefore, everyone is required to draw up it - both legal entities and individuals.

All fall under sanctions in the absence of policies. Only for legal entities, as a rule, fines are always an order of magnitude higher than for Russian citizens driving cars.

In addition, without such insurance today it will not be possible to pass a technical inspection, as well as register a car with the traffic police.

Rules and features

In order to formalize everything according to the law, the procedure for insuring legal entities has its own procedure, which should be taken into account not only by the employees of insurance companies, but also by the enterprises themselves - future insured legal entities.

The key features of such procedures include the following important details of the contract:

• Insurer - a company providing compulsory motor insurance services, Policyholder - a legal entity - an enterprise or any organization that has a motor vehicle subject to compulsory motor insurance on its balance sheet.
• When submitting documentation related to the car, you need to take into account that one contract will be drawn up for each unit of the vehicle. It does not happen that one contract is created for several cars.
• But such an agreement can work for many drivers. The document is issued with an unlimited list of drivers who are allowed to drive the insured car.
• For some vehicles, the base rates are higher for legal entities than for individuals, and for some cars - less. Much depends on the purpose and category of transport, as well as its type.
• In the process of finding the territorial (regional) coefficient, the criterion of the importance of the place of registration of the car, and not the place of registration of a legal entity, is applied.
• If for citizens of car owners it is not necessary to insure a trailer, then for corporate clients it is a mandatory procedure.
• The minimum use of an OSAGO policy by an enterprise differs from the terms for applying such insurance by an ordinary citizen who owns a car.
• Legal entities are not allowed to limit the number of drivers who will drive the insured car.
• The OSAGO insurance limit for legal entities under the contract will always be determined and set for each accident case separately, and not stretched for the whole year.

Limitation for each insured event is very convenient because the organization will not need to buy new policy after every crash. The insurance will be paid in full every time an accident occurs throughout the year.

And here it doesn’t matter which driver drove the car, the main thing is that it be officially registered at the enterprise in accordance with the labor legislation of the Russian Federation.

It should not be forgotten that it is not the car that is insured (no matter how the wording sounds for ease of reading), but the responsibility of the drivers that they bear when driving vehicles related to high-risk cars.

Property insurance is not related to OSAGO, despite the fact that such insurance covers not only damage caused to health, but also to the car - property.

Property auto insurance for legal entities, as well as for individuals, includes products of insurance companies called CASCO. But this is already a voluntary type of insurance, and highway patrols do not fine for the absence of such a policy.

Base rate and odds

Central Bank Russian Federation, despite the planned innovations, still independently determines the tariff corridor within which insurance companies operate when they sell compulsory auto insurance policies.

Planned changes The Government of the Russian Federation intends to introduce in the future so that insurers through the RSA (Russian Union of Motor Insurers) themselves can determine the base rate for sales of OSAGO policies.

Send, so to speak, such companies to "free float" on insurance market, and release them from binding to the state.

But while this program is still in development, and therefore the Russian Central Bank still continues to set tariff rates annually. Tariffs are applied exclusively to all customers and are the same; companies do not have the right to change them.

More precisely, they can only use those values ​​that are included in established by the Bank Russian range.

For example, for cars belonging to an organization or corporation, the corridor will be within from 2573 to 3087 rubles.

It is in this range that insurance companies should determine the base rate when they sell compulsory auto insurance policies to legal entities.

Today, the latest Directive of the Central Bank of the Russian Federation No. 3604-U dated 03/20/15 for legal entities defines the following base rates, which will be valid until 04/12/16, and then they will be changed again.

Tariff limits of base rates for determining the cost of an OSAGO policy for legal entities in Russia, effective from 04/12/15 to 04/12/16:



The difference in tariffs depends on the type or category of the vehicle, which are determined according to the document - a technical passport or a registration certificate, which the insured presents upon registration.

Enterprises can have on their balance sheet not only cars, but also trucks, trailers, passenger vehicles - it all depends on what kind of activity the legal entity conducts.

In addition, the base rate is also set depending on the design of the machine for its purpose, which can somehow determine the degree of risk of using transport.

For example, vehicles used by an enterprise as taxis are considered the most dangerous on the roads due to their high frequency of driving.

In general, when selling OSAGO for legal entities, Law No. 40-FZ of April 25, 2002, as amended on November 28, 2015, in Article 9 reveals its rules and regulations for the legal conduct of insurance.

The legislation contains useful information not only about the base rates, but also about the coefficients used when insuring a particular vehicle.

In the same way, insurers can be guided by these standards when renewing policies, and not just when selling them for the first time.

Among the most basic coefficients that are applicable when calculating the cost of an OSAGO policy for legal organizations, one can single out the most important ones that are often paid attention to.

This is primarily a regional coefficient that significantly affects the price of the product, depending on where exactly the car belonging to the enterprise, institution or organization is registered and located, and where exactly it will be used most often.

The place of registration of a corporate client is not essential in this respect.

For example, for Moscow, such a coefficient is measured in a numerical value - 2, and for St. Petersburg - 1.8. For comparison, in Novy Urengoy - 1, in Yekaterinburg - 1.8, Chelyabinsk - 2.1, Sevastopol and Simferopol - 0.6, and in Magadan - 0.7.

As you can see, the range of coefficients is different, some of them will increase the cost of the policy, and some will significantly underestimate.

The principle of operation here is as follows - the larger the coefficient, the more expensive the product of compulsory auto insurance.

The formula for calculating the penalty for OSAGO is given here.

OSAGO calculation for legal entities

All calculations on the cost of policies for corporate clients are made by specialists of insurance companies, or by agents who provide free use of an online calculator on their website.

But, one way or another, all of them will act strictly within the framework of special formulas, according to which the calculation is carried out. For each category, the policy is calculated separately.

If it is a passenger car, then one version of the formula will be used to determine the price of its insurance. If it is a truck or passenger transport, then a completely different formula will apply.

Similarly, for motorcycles and trailers - the formulas will be different. This is clearly seen in the table below.

Formulas for determining the price of an OSAGO policy for legal entities in Russia:



The significant discount applied itself when purchasing a motor vehicle policy is the same CBM as the one that appears in the calculation of the cost of the product for individuals.

CBM is the “Bonus-Malus” coefficient, which shows how much insured events were recorded on the insured car during the year, or there were none at all.

In a word, this is a discount for trouble-free transport management during the entire insurance period- 1 year.

Only here a significant difference is revealed - for legal entities, such a coefficient will be determined not by drivers, but by the number of years in which there were no accidents.

Moreover, this value will also be found for each car that is insured in the name of a corporate client.

It turns out that KBM for legal entities is not the accident-free experience for each driver, but directly the accident-free years of the vehicle itself.

What documents are needed

The documentary base in the procedure for obtaining compulsory auto insurance must fully comply with the special Regulation No. 431-P, which was approved by the Russian Central Bank of the Russian Federation on September 19, 2014 and edited on May 24, 2015, and was also registered with the Ministry of Justice of Russia under No. 34204 dated October 1, 2014 of the year.

The procedure for issuing insurance policies for legal entities occurs with the provision by the potential insurer of the following package of papers:

• a certificate confirming the registration of a legal entity in the unified state register;
• TIN of the enterprise;
• technical passport for the car;
• vehicle passport;
• registration certificate for the car with registration marks indicated in it;
• a diagnostic card, if any, is presented at the request of the insurer;
• a power of attorney of a representative from the enterprise, certified by a notary, for the right to conclude contracts and sign on behalf of a legal entity.

If the machine is new, then it is not subject to technical inspection within 3 years from the date of release from the factory on the basis of clause 1, part 2, art. 15 of the legal act No. 170-FZ of 07/01/11, which was revised on 06/04/14

After three years, the car will have to undergo a technical inspection in accordance with the periods that are regulated in the legislation on technical inspections.

Therefore, it is not always necessary to present a diagnostic card to the insurer to purchase a compulsory auto insurance policy.

In addition, even if the technical inspection is passed, then the existence of the Unified Automated information system TO (EAISTO) greatly facilitates the tasks of inspections for insurance companies.

Therefore, not all of them require showing a diagnostic card, being content with checking against a single database.

Online registration

To apply for an OSAGO policy by a legal entity through a website on the Internet, you need to know the simplest algorithm of actions. Knowing step by step instructions, you can very easily and quickly draw up a document without wasting your time in queues.

In addition to the websites of insurers, you can also act through the portals of trusted insurance agents, brokers with a high reliability rating and positive reviews.

And the best option it may turn out to be a visit to the site and registration of a policy there, where all insurers with high reliability indicators are collected. Such places on the Internet are, as a rule, the Unified Centers for Auto Safety or Auto Insurance.

In a nutshell, the instructions are as follows:

1. Find the right auto insurer for your corporation or business.
2. Go to his site.
3. If this is your first time on the resource, then you may be prompted to register there in order to have access to your Personal Area and from there already manage your insurance. Usually such requirements are put forward by the websites of insurers.
4. On the combined intermediary sites, it is not necessary to have your own personal account - the service for filling out an application will be provided immediately. The questionnaire already includes: the ability to choose insurance company, make a preliminary calculation of insurance and other privileges.
5. So, go to the portal, for example, the Osago Market broker and find a page that talks about the registration of OSAGO for legal entities.

The procedure for obtaining E-OSAGO - online electronic policy- occurs either by self-pickup, when a representative of a legal entity independently picks up a document by proxy, or with delivery to an address.

Upon delivery of the policy to the address, the representative of the corporation must necessarily present a power of attorney that he has the right to draw up and accept such documents, and he must personally check that all the data in the policy is filled in correctly.

Minimum term

It should also be noted that the Motorist Liability Insurance Rules dictate one very important condition regarding the terms of insurance.

The longest term for legal entities in obtaining OSAGO policies is 1 calendar year. This period of validity of the insurance agreement cannot be exceeded.

At the end of this period, the policy is simply extended along with the recalculations made in the cost, taking into account discounts or markups, any coefficients that have changed, etc.

The minimum is determined for corporate clients in the time interval calculated in a semi-annual format. It turns out that individuals can conclude an agreement with the insurer for at least 3 months, but legal entities - only for 6 months.

Penalty for not having a policy

The Administrative Code of the Russian Federation defines fines for those who drive a car without having an OSAGO policy with them.

Moreover, there is a difference in fines in the case when there is a policy, but it was forgotten at the office of the enterprise, or it was not issued at all. For legal entities, as a rule, penalties are an order of magnitude higher than for citizens of the country.

Here is a table of those fines that threaten those enterprises that use vehicles without compulsory insurance.

Fines for legal entities for using motor vehicles in Russia without compulsory auto insurance:

OSAGO insurance rules for legal entities

OSAGO for companies is cheaper than for ordinary citizens and is issued for each car separately, and not for the entire fleet, which is on the balance sheet.

Accordingly, insurance is always bought for an unlimited number of drivers. The only requirement is that all of them must be on the staff of the insured company.

In this article, we will talk about OSAGO for legal entities, how insurance and settlement are done, and whether it is possible to issue an electronic policy.

Rules and features of insurance

The main features of corporate insurance:

the policyholder is the management of the company, not the driver;

the base rate is lower than that of individuals;

unlimited number of persons admitted to management;

the territorial coefficient is calculated according to the location of the company;

the company may also be recognized as a victim in an accident;

the opportunity to insure not only cars, but also trucks, special equipment, buses.

The legislation regulates the procedure for concluding and terminating an OSAGO agreement, calculating the insurance premium, the amount of payment, the rules of conduct immediately after an accident, and a set of documents for applying for compensation.

Owners of corporate OSAGO also have the right to apply for direct settlement of losses under Art. 14.1 of the law "On OSAGO", if there were no victims in the accident, all drivers are insured and there are at least two of them.

They also have access to a road accident registration scheme according to Europrotocol standards, i.e. without the involvement of traffic police, but with filling out a notice of an accident. In this case, you can also claim a payment of up to 100 thousand rubles (with exceptions for the capital, St. Petersburg, the Moscow and Leningrad regions, where, if there is a recording from the cameras, higher payments are possible to cover the damage).

The amount of payments for OSAGO for legal entities is the same as for citizens: up to 400 thousand rubles in case of damage to property, and up to 500 thousand rubles for the health and life of other people (drivers, passengers, pedestrians) in accordance with Art. 7 Federal Law No. 40. The limit of payments under such agreements is determined individually. This allows you not to reissue the policy after each accident involving cars in the fleet, due to the fact that the sum insured has been exhausted.

base rate

To calculate the OSAGO insurance premium in 2017, they take a base rate from 2.5 thousand to 3 thousand rubles for cars. If the car is used as a taxi, then the rate will be from 5.1 to 6.1 thousand rubles. For truck owners, the tariff is set at the level of 3.5-6.3 thousand rubles, and for buses - 5.1-6.1 thousand rubles. All these indicators are approved by the state and are periodically reviewed.

The base rate is multiplied by whole line adjustment coefficients, without which it is impossible to obtain the final amount of the insurance premium for OSAGO. These include regional, seasonal, power factor, KBM or bonus malus, etc. For different categories of machines, the tariff may differ significantly. Therefore, all calculations are made for each object individually.

OSAGO calculation for legal entities is made according to the formula:

TB - base rate;

CT - the region of use of the machine;

CBM - bonus-malus;

KO - coefficient of the number of drivers (1.8);

KM - power indicator;

KS - the period of use of the car (season);

КН - coefficient of violations.

You can also use online calculators on the websites of insurers, to simplify the calculation of the tariff. In this case, the calculation algorithm will initially include all the necessary odds rates.

The region for insurance is determined for each car, depending on the place of its registration. Its size can be minimal (for example, in Mordovia it is at the level of 0.8-1.5 and the maximum in Moscow is up to 2).

There is some peculiarity regarding the definition of the malus bonus - its indicator is determined on the basis of information about the insured. The more accidents there were during the year, the higher this figure will be. If you are insuring for the first time, then the coefficient will be 2.45.

The more powerful the car engine, the higher the power factor will be, which also affects the price. For example, driving a car with more than 150 horsepower will set the highest coefficient of 1.6. Since CMTPL insurance of legal entities always provides for an unlimited number of drivers, an increased coefficient of 1.8 is accordingly set.

The violation rate is used quite rarely and only if insurance fraud has been noticed in the past, for example, a deliberate accident to receive a payment.

Since each car is insured separately under OSAGO, discounts are possible only for break-even driving. The average cost of one policy for legal entities is 8-15 thousand rubles a year.

Required documents to draw up a contract

Legal entities have their own procedure for issuing an OSAGO agreement.

Only the management of the company or its legal representative has the right to issue a policy.

You will need not only a certificate of registration of cars or a title, but also documents on the registration of the legal entity itself, as well as its TIN, bank details.

You must submit the following documents:

• certificate of registration of a legal entity;
• power of attorney from the head to purchase OSAGO and a copy of the passport;
• a diagnostic card for each car if it is older than three years;
• documents for all cars (PTS, etc.);
• title documents for a car (purchase agreement, leasing agreement, etc.);
• old OSAGO policies (if issued).

The insurer will examine all the documents and offer the company representative to fill out an application for insurance. This document describes in detail all the technical parameters of the car, age, driver experience, and also indicates how many people will be allowed to drive.

A mandatory requirement when filling out an application: an indication of the number of the inspection coupon (if the car is not new) and the date the check was passed. In the third paragraph of the application, you must indicate the complete list of drivers, the series and number of their driver's licenses, experience, the number of insurance events in the past, the bonus-malus class.

It can take a lot of time for the insurer to study all the documents, especially if the car park is large. At the conclusion of the contract, the insurer has the right to inspect the cars at the location of the legal entity.

Electronic policy

For companies, there is also the possibility of applying for a policy online. To do this, it is necessary for the representative of the insured to register on the website of the selected insurance company. Having gained access to your personal account, you will see a choice: buy a policy as a legal entity or as an individual. Check the box next to the correct answer.

Instructions for buying a policy online:

• Site authorization.
• Choice of status (legal entity).
• Filling out an online application and calculating the OSAGO tariff (in your personal account).
• Receiving an electronic signature code by phone or mail.
• Entering the code in the proposed form in the office.
• Checking documents by the insurer and data in the PCA (uploading scans in your personal account).
• Publication of test results in the office.
• Payment for the e-OSAGO policy on the website.
• Receiving an insurance form by mail and in your personal account.
• Policy printing.

IN online calculator you will need to enter data on the region of registration of the owner, brand, model of transport, engine power, date of commencement of the insurance policy. Be sure to indicate the number of drivers, as well as the details of the owner.

DPS check authenticity on the PCA website and in other databases. You can take out insurance for a period of at least six months. You can pay for the entire OSAGO agreement with one payment by bank card, and on many sites also with electronic currency.

What companies can do it?

You can buy a policy on the site in many companies. Since 2017, all participants in the OSAGO market have been obliged to provide car owners with the opportunity to apply for a policy online.

The list of PCA member companies that trade e-OSAGO is available on the PCA website. Leaders include:

• Ingosstrakh.
• Rosgosstrakh.
• "Renaissance insurance".
• "VSK".
• Alpha Insurance.
• Zetta Insurance.
• And many others.

Responsibility for the absence

If the company's car stops traffic police, then by law, the driver must have OSAGO insurance in electronic or paper form. A fine is imposed if the company did not issue OSAGO or the car was driven by a person who was not included in the insurance.

The report is issued to the driver and he will need to pay a fine of 500 rubles if the insurance is forgotten or 800 rubles if not issued. However, he can always recover the amount of penalties from his employer through the courts if he refuses to reimburse it voluntarily.

Insurance payments

If the driver of the company gets into an accident, then he must behave in the same way as an ordinary car owner. His responsibilities include notifying the insurer about the accident, filling out the Notice or calling the traffic police to the scene. You can not change the location of the machine until a certificate is drawn up or an accident plan.

When the damage is small, there are no victims and there is no conflict with another participant, you can file an accident with a Notice and not call a traffic police. In this case, the victims of the accident can compensate for damage in the amount of up to 100 thousand rubles.

In case of serious damage, the traffic service is always called, who draw up a certificate of an accident, a protocol on an administrative offense. The victim submits an application for payment within 5 days, along with documents confirming the fact of the accident.

Exceptions are only in case of complete destruction of the car, when it can no longer be restored after repair, or if the accident occurred far outside the city, and there is no service station nearby.

Payments are made after the study of all the documents of the victim, the preparation of an inspection report and the conclusion of a technical expert on the amount of damage. The period for making a decision by the insurer is set by law no more than 20 days.

Refurbishment costs are determined using the Unified Methodology developed by the Bank of Russia and used by all experts and insurers. Restorative repairs cannot last more than a month. If the deadlines are delayed, customers can prepare a claim to the insurer, and then go to court.

Conclusion

Legal entities often own a large fleet of vehicles. In addition to ordinary cars, the park may also include special equipment, as well as freight transport. If the company has representative offices in different regions, then these are also cars with different registrations. The OSAGO policy must be bought for the drivers of each corporate car, because these are the requirements of the law.

To conclude a contract, you need to collect an impressive package of documents and contact your insurance company. You can also buy a policy on the website of many insurers - this significantly saves time in the future, you can easily extend it or make changes to the number of drivers, but it is better to buy a policy without restrictions.

Rules of insurance Alfastrakhovanie

When insuring a CASCO car, there are many subtleties and nuances that you need to understand.

The CASCO insurance rules are an integral part of the CASCO agreement, which contains additional terms and conditions that are not reflected in the CASCO insurance policy itself.

CAREFULLY read the rules of insurance!

You can always seek advice from our specialists and they will be happy to help you understand all the intricacies of the Casco agreement.

_______________ /V.Yu. Skvortsov/

INSURANCE FOR GROUND TRANSPORT

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 - TS ) 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 in the event of insured 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 at the time of the insured event in the insured vehicle.

1.4. Insurance is carried out on the basis of an insurance contract (insurance policy), hereinafter referred to as the "insurance contract", 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 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 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, trolleybuses, motorcycles) registered or subject to registration by the traffic police (or other competent authorities that register the vehicle).

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 or recognized as additional equipment by agreement of the parties on the basis of an inspection TS including:

• special painting (painting using materials and color schemes not provided for by the manufacturer's documentation);
• automotive television, video, radio and audio equipment;
• interior equipment, bodywork;
• appliances;
• lighting, signaling and other equipment installed on the vehicle;
• tire and/or rim not included in the manufacturer's package;

f) “Driver” means an individual driving vehicle legally and having a driver's license of the established form for the right to drive the insured vehicle;

g) "Passenger" - a natural person who is in the insured vehicle during its operation, except for the driver;

h) "Insured person" - the driver, passengers;

i) "Injured person" - a person whose life, health or property was harmed when using the insured vehicle by the Policyholder (the Beneficiary, the Insured person).

j) "Beneficiary" - a person in whose favor the insurance contract is concluded: in terms of property insurance - a person who has a property interest based on law, other legal act or contract in the preservation of the insured property; in case of harm to life and health as a result of an accident - the insured person; when insuring civil liability of vehicle owners - the injured person.

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 Damage/Damage Caused to Them” – written demands of the Aggrieved Persons (including in the form of claims) for compensation for the damage/harm caused to them when using the insured vehicle, addressed directly to the Insured (Insured Person), as well as statements of claim Victims, on the satisfaction of these requirements, filed with the court.

m) "Road traffic accident" (hereinafter RTA) - an event that occurred during the movement of the insured vehicle on the road and with its participation, in which people were killed or injured, vehicles, structures, cargo were damaged, or other material damage was caused.

1.8. The insurance conditions contained in these rules may be changed (excluded, supplemented) by written agreement of the parties.

1.9. The Insurer has the right, on the basis of these Insurance Rules, to form separate insurance programs using separate insurance conditions set forth in these Insurance Rules and (or) combining them, assigning marketing names to such insurance programs.

2. OBJECTS OF INSURANCE

2.1. The object of insurance is the property interests of the Insured (the Beneficiary, in part) that do not contradict the legislation of the Russian Federation personal insurance– Insured persons) associated with:

a) with the possession, use, disposal of the insured vehicle and / or additional equipment installed on it due to:

• death;
• loss (theft);
• damage

b) with a decrease, temporary or permanent, in income and / or additional expenses due to disability, death of the driver, passengers of the insured vehicle as a result of the events listed in clause 3.2.5. these Rules;

c) with the obligation of the owner of the vehicle, in accordance with the procedure established by the civil legislation of the Russian Federation, to compensate for the harm caused to the life, health or property of the Injured persons when using the insured vehicle, excluding:

• liability to the driver, passengers of the insured vehicle,
• the responsibility of the driver for causing damage to the vehicle driven by him and / or the trailer to it, the cargo carried in them, the equipment installed on it / them, other property,
• damage caused to property belonging to the person responsible for the damage caused,

with compensation to the Insured for legal and extrajudicial expenses related to the onset of his liability for causing harm to the Injured Persons (Beneficiaries) in full, or, if limits for reimbursement of expenses are established in the insurance contract, in the amount of the established limits.

2.2. Vehicles accepted for insurance are vehicles that have passed customs clearance and purchased in accordance with the procedure established by the law of the Russian Federation, including those imported into the territory of the Russian Federation from abroad, which are not registered in the information databases of the authorized state bodies of the Russian Federation and / or Interpol as previously stolen , which is in a technically sound condition, does not have significant mechanical and corrosion damage, registered or subject to registration with the traffic police or other competent authorities that register vehicles, including temporarily imported ones.

The Policyholder is responsible for the communication and the obligation to provide such data.

3. INSURED EVENT 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 (insurance policy), upon the occurrence of which the Insurer is obliged to perform insurance payment To the Policyholder (Insured person, Beneficiary, Injured persons).

3.2. The risks covered by insurance are:

3.2.1. "Damage" - damage or loss of the Vehicle, its individual parts, parts, components, assemblies as a result of an accident, fire, explosion, natural emergencies (phenomena), falling foreign objects, damage by animals, damage as a result of unlawful actions of third parties, as well as theft of individual parts, parts, components, assemblies of the vehicle as a result of illegal actions of third parties.

3.2.2. "Theft" - the loss of the vehicle when the Insurer provides the original registration documents (certificate of registration of the vehicle and vehicle passport), ignition keys, other devices used to start the engine, except for the cases provided for in sub. d) Part 2 of Art. 161 and Art. 162 of the Criminal Code of the Russian Federation, as a result of theft, robbery, robbery, theft (in the interpretation of these concepts by the criminal legislation of the Russian Federation).

The vehicle is considered to be insured against the “Theft” risk from 00:00 on the day following the day of registration with the traffic police or other competent authorities that register the vehicles of the insured vehicle, unless otherwise provided by the insurance contract;

If there is a requirement of the Insurer to install an anti-theft system on the Vehicle subject to insurance, the insurance period for the risk "Theft" in respect of such a Vehicle begins, unless otherwise provided by the Insurance Policy: from 00:00 on the day following the day of the actual installation of the anti-theft system on the Vehicle and connection to subscription service (if the anti-theft system implies subscription service) valid in the territory of insurance.

The fact of installing an anti-theft system and connecting to subscription services must be documented by the Policyholder.

3.2.3. "Damage on additional equipment" - damage or loss of additional equipment installed on the insured vehicle as a result of an accident, fire, explosion, natural emergencies (phenomena), falling foreign objects, damage by animals, unlawful actions of third parties, as well as its theft in as a result of illegal actions of third parties.

3.2.4. "Civil liability of vehicle owners" - 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 Insured 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 using the vehicle by proxy (on another legal basis) and directly indicated in the insurance contract (insurance policy) as persons admitted to driving the Vehicle, unless otherwise not covered by the insurance contract.

Under an insurance contract concluded with a legal entity, the insured is the risk of civil liability of the Insured himself when using the insured vehicle by drivers specified in the insurance contract (insurance policy) as persons admitted to driving the Vehicle, as well as drivers who are employees of the Insured and are allowed to drive insured vehicle. Under the insurance contract for a vehicle transferred for temporary possession and / or use to third parties, the insured is the risk of civil liability of the owners of vehicles specified in the insurance contract, when the insured vehicle is used by drivers specified in the insurance contract (insurance policy) as persons admitted to driving the vehicle, as well as drivers who are employees of the specified third parties and are allowed to drive the insured vehicle.

3.2.5. "Accident" - a sudden physical impact on the body of the Insured person by various external factors (mechanical, thermal, chemical, etc.) that occurred during the validity period of the insurance contract against the will of the Insured and led to bodily injury, violations of the physiological functions of the body, permanent or temporary disability of the Insured person or his death, provided that the Insured person was in the insured vehicle at the time of such sudden physical impact and occurred as a result of an accident;

Under an additional agreement between the Policyholder and the Insurer, the risk of bodily injury, permanent or temporary disability, death of the Insured Person in the insured vehicle as a result of unlawful 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, parts, assemblies, assemblies, as well as additional equipment installed on it (in accordance with paragraphs 3.2.1. and 3.2.3. of these Rules) as a result of:

3.3.1.1. Road traffic accident (traffic accident) - an event that occurred during the movement of a vehicle on the road and with its participation, in which people were killed or injured, vehicles, structures, cargo were damaged, or other material damage was caused;

3.3.1.2. natural emergency situations (phenomena).

According to these Rules, Natural Emergencies mean:

Hazardous geological phenomena, namely:

• earthquake (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);
• collapse (separation and fall of large masses of rocks on steep and steep slopes of mountains, river valleys and sea coasts, occurring due to the weakening of the connectivity of rocks under the influence of weathering processes, the activity of surface and groundwater);
• landslide (displacement of rock masses along the slope under the influence of its own weight and additional load due to slope erosion, waterlogging, seismic shocks);

Dangerous hydrological phenomena, namely: flood (flooding of the territory with water, which is a natural disaster);

Dangerous meteorological phenomena, namely: whirlwind, hurricane, tornado, lightning strike, hail;

The occurrence of one or more of the above events that led to damage as a result of natural emergencies (phenomena), the occurrence of which is confirmed by the relevant meteorological services and other authorized competent authorities, can be recognized as an insured event for the "Damage" risk, only on condition that it is a direct consequence of causing damage to the insured vehicle.

3.3.1.3. fire or explosion, except for the event that occurred as a result of any malfunction of the vehicle (except for those that occurred as a result of an accident), unless otherwise provided by the insurance contract;

3.3.1.4 illegal actions of Third parties. Third parties within the framework of these Rules are all persons, with the exception of the owner (co-owners) of the insured vehicle;

3.3.1.5. falling foreign objects, including snow and ice;

3.3.1.6. damage to the external (outer) parts of the vehicle by animals.

Theft of individual parts, parts, assemblies, assemblies of the vehicle and / or additional equipment installed on it as a result of illegal actions of third parties.

3.3.2. Theft or theft of the vehicle (in accordance with paragraph 3.2.2. of these Rules).

3.3.3. Civil liability of vehicle owners (in accordance with paragraph 3.2.4. of these Rules).

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 (in accordance with clause 3.2.5. of these Rules).

4. EXCLUSIONS FROM INSURANCE COVERAGE

4.1. According to these Rules, the following are not insured events:

4.1.1. Moral injury, loss of profit, 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 of the delivery of goods and the 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 commercial value of the Vehicle, corrosion, 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 means, car awnings (trailers and semi-trailers), decorative trim and interior equipment, instruments, lighting and signaling and other equipment, if the latter were not factory installed or not insured as optional 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 ingress into the internal cavities of components and assemblies, as well as electronic components and electronic devices foreign objects, animals, birds, substances, rain and melt water and other liquids, as well as due to the ingress of liquid or other substances into the inlet air intake pipe, which led to the occurrence of water hammer (s) in the engine cylinder (s);

4.1.8. Damage caused by damage to tires, rims and / or decorative caps, 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 point damage (chips) to body glass (windshield, rear, side glass, roof glass panel or sunroof glass panel), external lighting devices (headlight, lantern, turn indicator/repeater, brake light repeater), as well as damage caused by thermal destruction (cracks) of body glass or external lighting devices in the absence of traces of external mechanical impact, unless otherwise provided by the contract;

4.1.11. Damage caused by the loss (including theft) of keys, key fobs, chips, electronic activation cards.

4.1.12. Damage caused by damage to the insured vehicle under unknown circumstances.

4.1.13. Losses incurred as a result of non-return of the insured vehicle to the Insured when insuring a vehicle being leased, leased, leased, etc.;

4.1.14. Theft of the insured vehicle together with the registration documents left in it (certificate of registration of the vehicle and / or vehicle passport), and / or keys from the ignition switch, and / or other devices used to start the engine, with the exception of cases provided for in sub. d) Part 2 of Art. 161 and Art. 162 of the Criminal Code of the Russian Federation.;

4.1.15. Theft of additional equipment or parts of the Vehicle, if they were at the time of the insured event separately from the insured Vehicle;

4.1.16. Theft of the spare wheels of the Vehicle and/or the cover of the spare wheel, if their theft occurred without causing damage to the insured vehicle itself;

4.1.17. Damage as a result of an accident that occurred due to the use by the Insured 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".

4.1.18. Any damage or theft of the insured vehicle imported into the territory of the Russian Federation in violation of applicable customs rules and regulations, and / or listed in the information databases of the state authorities of the Russian Federation and / or Interpol bodies as previously stolen.

4.1.19. Theft of the insured vehicle during the period of disconnection, interruption or decommissioning of the anti-theft system, if the insurance was carried out with the requirement to install the anti-theft system specified in the Insurance Policy.

4.1.20. Damage caused as a result of repeated damage to the elements (assemblies, assemblies, etc.) of the insured Vehicle that had significant damage at the time of conclusion of the insurance contract and recorded by the Insurer (a person authorized by him) when concluding the contract in writing. Any damage to the vehicle is recognized as significant damage, with the exception of point damage to the paintwork without damaging the part (chips), point damage (chips) to the glass of the body (front, rear, side, roof glass panel or sunroof glass panel) and / or external lighting devices (headlight, lantern, turn indicator/repeater, brake light repeater), damage caused by thermal destruction (cracks) of body glass or external lighting devices in the absence of traces of external mechanical impact, damage related to declared and unsettled insured events, if the insurance contract otherwise provided otherwise.

4.1.21. Theft of the insured vehicle using stolen factory keys from the ignition lock and other devices used to start the engine and / or theft of the insured vehicle with previously lost or stolen vehicle registration documents, except for the cases provided for in sub. d) Part 2 of Art. 161 and Art. 162 of the Criminal Code of the Russian Federation, if the theft of the Vehicle occurred before the moment of the statement, in the manner prescribed by these Rules, by the owner of the Vehicle about the theft of factory keys from the ignition switch and other devices used to start the engine and / or about the theft or loss of registration documents of the Vehicle to the Insurer.

4.1.22. Repeated damage to the elements (assemblies, assemblies, etc.) of the Vehicle, for which the Insurer had previously made an insurance payment or completely or partially refused to pay insurance compensation, excluding cases of refusal to pay insurance compensation on the basis of clause 4.1.9. and/or 4.1.10. of these Rules, if the Insured fails to fulfill the obligation specified in clause 10.2.7. of these Rules.

4.1.23. Any damage (harm) caused to the Injured persons as a result of misuse (seizure) by other (third) persons of the insured Vehicle.

4.1.24. Theft of individual parts, parts, assemblies, assemblies of the Vehicle and / or additional equipment installed on it as a result of unlawful actions of third parties if the insured Vehicle is not insured against the "Theft" risk.

4.2. Events that led to damage, death, loss (theft) 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.

4.2.2. while driving the insured vehicle:

• not admitted to management under an insurance contract (insurance policy);
• not having the right to drive a vehicle;
• not having a power of attorney for the right to drive the insured vehicle or not specified in the waybill;
• were 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 left the scene of an accident or refused to undergo a medical examination (examination).

4.2.3. loading and unloading of the insured vehicle, as well as transportation of the vehicle as cargo, unless otherwise provided by the insurance contract;

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, unless otherwise provided by the insurance contract;

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.

4.2.9. spontaneous movement of a parked vehicle (this restriction does not apply to the risks "Civil liability of vehicle owners" and "Accident").

5. SUM INSURED AND COST INSURED

5.1. Sum insured - sum of money, which is determined by the insurance contract and on the basis of which the amount of the insurance premium (insurance premiums) and the amount of insurance payment upon the occurrence of an insured event are established.

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.

5.4. Unless otherwise stipulated by the insurance contract, for the period of validity of the insurance contract, the Insurer sets the rate of wear of the Vehicle and additional equipment installed on it in the amount of 15 (fifteen) percent of the sum insured per year.

Depreciation is charged from the date of commencement of the insurance contract to the date of the occurrence of the insured event (in proportion, for each day of the contract).

5.5. The sum insured for insurance of civil liability of vehicle owners is established by agreement reached between the Insured and the Insurer. The insurance contract, within the limits of the sum insured, may establish a limit for the Insurer's indemnity for each insured event, as well as for the number of injured persons.

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 limits for the indemnity of the Insurer 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. 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.

5.8. 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 that does not exceed the deductible amount, but shall indemnify the damage in full if its amount exceeds the deductible amount;
• when establishing an unconditional (deductible) deductible, in all cases, the loss is compensated minus the amount of the deductible.

5.9. After the payment of the insurance indemnity, the sum insured under the insurance contract for the corresponding 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 an additional payment of the corresponding part of the insurance premium.

6. INSURANCE PREMIUM, FORM AND PROCEDURE OF 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. The use of a franchise may serve as a basis for reducing insurance rate, except for cases and (or) insurance programs, when and (or) in which the use of a deductible serves as an indispensable basis for accepting the risk for insurance.

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) in the amount and terms established by the insurance contract (insurance policy).

Unless otherwise provided by the insurance contract, the date of payment of the insurance premium (contribution) is recognized:

• date of payment of funds to the cash desk of the Insurer or receipt of funds by an authorized representative of the Insurer - in cash;
• date of receipt of funds to the settlement account of the Insurer or to the settlement account of the authorized representative of the Insurer - in case of non-cash payment.

6.5. If the insurance contract provides for payment by the Insured of the insurance premium in installments, then in the event of an insured event before the due date for paying the next insurance premium, the Insured is obliged to pay the Insurer the amount of the insurance premium for the remaining term of the insurance contract (the period of insurance in which the insured event occurred for contracts concluded in accordance with paragraph 7.3. of these rules).

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 insurance 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. TERM OF 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. When concluding an insurance contract for a period of more than one year, it may indicate periods of insurance, indicating for each of the periods the sum insured and the insurance premium.

7.4. If before the expiration of the previous insurance contract, an insurance contract is concluded for a new (regular) term, then the concluded insurance contract for a new (regular) term shall enter into force in the following order.

7.4.1. from 00:00 on the day following the expiration date of the previous insurance contract subject to payment of the insurance premium (first insurance premium) until the start date of the new insurance contract. In case of non-payment / incomplete payment of the insurance premium (first insurance premium), the new Insurance Contract is considered not to have entered into force.

7.4.2. from 00:00 on the day following the expiration date of the previous Insurance Contract. If the terms of the new Insurance Policy provide for the payment of the insurance premium (first insurance premium) during the validity period of the new Insurance Policy, then in case of non-payment / incomplete payment of the insurance premium (first insurance premium), the new Insurance Policy automatically terminates early from 00:00 on the day following the day defined as the last day of payment of the insurance premium (the first insurance premium). In this case, a written notification of the Insurer to the Policyholder is not sent, as well as an agreement on automatic early termination of the insurance contract is not drawn up. At the same time, the Policyholder is obliged, within the period established by the Insurer, to pay the due part of the insurance premium for the period during which the insurance contract was valid.

7.5. The insurance contract, unless otherwise provided in it, shall enter into force:

7.5.1. If the insurance premium (first insurance premium) is payable:

7.5.1.1. before the start of the term of the Agreement, then the Agreement shall enter into force from the date of commencement of the "Term of the Agreement", subject to payment of the insurance premium (first insurance premium) in the amount and term stipulated by the Agreement.

7.5.1.2. during the validity period of the Agreement, then the Agreement shall enter into force from the date of commencement of the "Term of the Agreement".

7.6. Unless otherwise established by the Insurance Contract, the following consequences of non-payment of the insurance premium (the first insurance premium), the next insurance premium are established:

7.6.1. In case of non-payment / incomplete payment of the insurance premium (first insurance premium), if the insurance premium (first insurance premium) is payable before the commencement of the validity period of the insurance contract, the Insurance contract is considered not to have entered into force.

7.6.2. In case of non-payment / incomplete payment of the insurance premium (first insurance premium), during the period of validity of the Insurance Contract, as well as the next insurance premium in the manner and within the period stipulated by the Insurance Contract, the Insurance Contract automatically terminates early from the date following the date specified in the Contract as the last day of payment of the insurance premium (the first insurance premium), the next insurance premium. At the same time, a written notification of the Insurer to the Policyholder is not sent, just as an agreement on the automatic early termination of the insurance contract is not drawn up. At the same time, the Policyholder is obliged, within the period established by the Insurer, to pay the due part of the insurance premium for the period during which the insurance contract was valid.

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 signed by the Insurer and the Insured;

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 Policyholder and the Insurer, by virtue of which the Insurer undertakes, upon the occurrence of an insured event, to make an insurance payment to the person in whose favor the insurance contract is concluded, and the Policyholder undertakes to pay the insurance premium in the amount and terms established by the insurance contract.

8.3. A vehicle insurance contract may be concluded only in favor of a person who has an interest based on law, other legal act or contract in the preservation of this vehicle. 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 to the Insurer or its authorized representative orally or in writing. In the application, he reports/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 that the insurance contract be declared invalid.

8.5. When concluding an insurance contract, the Insured (Beneficiary) must document his rights to the insured property and property interest in the preservation of the said property, as well as submit copies of the registration documents for the Vehicle - a vehicle registration certificate, a vehicle passport and other documents at the request of the Insurer.

8.6. When concluding an insurance contract or changing its terms, the Policyholder (the Beneficiary) is obliged to present the vehicle for inspection to the Insurer or its authorized representative. The results of the examination are recorded by the Insurer or its authorized representative in writing and signed by the Policyholder. Damaged or missing for any reason elements of the Vehicle (assemblies, assemblies, parts), the absence or damage of which was recorded during the inspection of the vehicle at the time of conclusion of the insurance contract, are not insured, unless otherwise provided in the insurance contract in accordance with additional conditions to these Rules.

8.7. In case of loss of the insurance contract during its validity period, the Insurer issues a duplicate of the insurance contract 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:

a) its expiration date;

b) fulfillment by the Insurer of obligations under the contract in full;

c) death of the Policyholder – individual(since the death of the Insured);

d) liquidation of the Insured - a legal entity (from the date of liquidation in the manner prescribed by the legislation of the Russian Federation), except for cases of changing the name of the Insured in the insurance contract (policy) during its reorganization (merger, accession, division, spin-off, transformation);

e) liquidation of the Insurer in accordance with the procedure established by the legislation of the Russian Federation;

f) declaring the insurance contract invalid by a court decision;

g) non-payment / incomplete payment of the insurance premium (insurance fee) in accordance with paragraphs. 7.4, 7.6 of these Rules;

h) from the moment of expiration of the temporary registration of the vehicle in the traffic police or other competent authorities that register vehicles;

i) from the moment of refusal to register a vehicle with the traffic police or other competent authorities that register vehicles;

j) in other cases stipulated by the insurance contract, these rules and the current legislation of the Russian Federation.

In case of early termination of the insurance contract due to the circumstances specified in paragraph 8.9 of these Rules, on the basis of subparagraphs "a", "b", "c", "d", "e", "g" part of the insurance premium for the unexpired period of insurance under the contract insurance is not returned to the Insured.

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.

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 thereto provides for the possibility of a refund of part of the insurance premium upon termination of the insurance contract at the initiative of the Insured, the Insurer is entitled to a part of the insurance premium in proportion to the term of the insurance contract and taking into account the expenses of the Insurer, according to the current tariff rate structure. The balance of the insurance premium is non-refundable after 10 months from the commencement of the insurance contract, and / or in the event that an insurance indemnity has been paid under the terminated contract or the Insured (the Beneficiary, the Insured persons) has declared an insured event, unless the insurance contract provides otherwise

8.14. In cases stipulated by the Rules of Insurance, the Insurance Contract, the current legislation of the Russian Federation, the Insurer has the right to demand early termination insurance contract or its invalidation with compensation for losses caused by the termination of the contract or its invalidation, in accordance with the current legislation of the Russian Federation.

8.15. The policyholder, when concluding an insurance contract on the basis of these Rules, in accordance with federal law The Russian Federation “On Personal Data” expresses to the Insurer consent to the processing of his personal data contained in the documents transmitted to the Insurer in order to promote goods, works, services on the market by making direct contacts with the Insured by the Insurer using means of communication in order to ensure the execution of the concluded insurance contract, and also expresses to the Insurer consent to provide incl. To the beneficiary(s) of information on the fulfillment by the Insurer and/or the Insured of obligations under the insurance contract, including information on the payment and amount of the insurance premium (insurance premiums), the amount of the sum insured, the occurrence and settlement of claims, the occurrence/probability of occurrence of insured events, payment insurance indemnity and other information related to the concluded insurance contract.

The processing of personal data is carried out through the collection, systematization, accumulation, storage, clarification (updates, changes), use, distribution (including transfer), depersonalization, blocking, destruction of personal data, both on paper and on electronic media. The specified consent of the Policyholder is valid during the term of the insurance contract and for 5 years after the expiration of the insurance contract. This consent may be revoked by the Insured by sending the relevant written application to the Insurer.

9. CONSEQUENCES OF CHANGE IN 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 affect the increase in insurance risk. The Policyholder (Beneficiary) is obliged to immediately, but in any case not later than 24 hours from the moment they became aware of this, notify the Insurer of all significant changes in any available way (including by phone or fax), and no later than 3 days to notify the Insurer in writing, attaching documents confirming these changes.

Amendments stipulated in the insurance contract, the application for insurance and the Insurance Rules 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 purpose of using the insured vehicle specified in the application or insurance contract;

9.1.5. Deregistration of the vehicle with the traffic police (or other competent authorities that register the vehicle), re-registration of the vehicle with the traffic police (or other competent authorities that re-register the vehicle);

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;

9.1.10. Changing the storage conditions of the vehicle.

9.2. In the cases provided for in paragraphs 9.1.6, 9.1.8 of these Rules, 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 in writing to the competent authorities and the Insurer .

9.3. The insurer, notified of the circumstances entailing an increase in the insured risk, has the right to demand changes in the terms of the insurance contract or payment of an additional insurance premium in proportion to the increase in 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. In the absence of notice or untimely notification of the Insurer about the circumstances set forth in paragraph 9.1 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.

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. Familiarize the Insured with the Rules of Insurance and hand over a copy of the Rules to the Insured when concluding an insurance contract;

10.1.2. After receiving from the Insured (the Beneficiary) an application for the payment of insurance compensation, the fulfillment of the obligations specified in paragraph 10.2 of these Rules and when the Insured (the Beneficiary) fulfills the obligations provided for in paragraphs. 11.6 - 11.9 (including subparagraphs), respectively, depending on the insured event that has occurred, within the time periods provided for by these Rules and the insurance contract, investigate the causes and circumstances of the insured event, determine the amount of damage, and if the event is recognized as an insured event, pay insurance compensation.

10.1.3. Notify the Policyholder of the refusal to pay insurance compensation, 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. In the manner and terms established by the insurance contract, pay the insurance premium (insurance premiums);

10.2.2. When concluding an insurance contract, inform the Insurer about all circumstances known to him that are relevant for the assessment of the insured risk, as well as about 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 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 discovery, notify the competent state authorities and the Insurer about it.

10.2.5. Within 5 calendar days from the moment of detection of signs of an insured event, submit to the Insurer a written application in the established form on the occurrence of an insured event and payment of insurance compensation. Indicate in the application for the occurrence of an insured event all the circumstances of the occurrence of the insured event known to the Policyholder at the time of application.

The requirements of clauses 10.2.4 and 10.2.5 do not apply to events that occurred at the risk of "ACCIDENT". For the "ACCIDENT" risk, the following deadline for submitting to the Insurer a written application of the established form on the occurrence of an insured event is established: 30 calendar days.

10.2.6. Agree in writing with the Insurer the procedure for repairing the damaged Vehicle;

10.2.7. After restoration (repair) of the Vehicle - present it to the Insurer for inspection. The fact of damage elimination is confirmed by signing an additional agreement to the insurance contract with the Vehicle Inspection Certificate attached. This obligation does not apply to cases when the repair of the Vehicle was carried out at the Service Station (Car Service Station) in the direction of the Insurer.

10.2.8. Return to the Insurer the received insurance indemnity in full or part of the insurance indemnity, if 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 third parties 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.

10.2.12. Perform other actions stipulated by the insurance contract and these Rules;

The obligations specified in paragraph 10.2 and paragraphs. 11.6 - 11.9 (including subparagraphs, respectively, depending on the insured event) 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 Rules of insurance and the terms of the insurance contract;

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, as well as the list and nature of the damage received;

10.3.3. Independently find out the causes and circumstances of the insured event;

10.3.4. The Insurer has the right to ensure that the case is conducted 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. Cancel the insurance contract at any time 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), appoint legal entities and individuals (Beneficiaries) who have an interest in maintaining the insured vehicle to receive insurance compensation under the insurance contract, and also replace them at their discretion until the occurrence of an insured event.

11. PROCEDURE AND TERMS OF PAYMENT OF INSURANCE COMPENSATION. RELATIONSHIP OF THE PARTIES IN THE OCCURANCE OF AN INSURED EVENT.

11.1. The Insurer shall indemnify the Policyholder (the Beneficiary, the Insured Persons, the Injured Persons) for the damage resulting from the occurrence of an insured event. Compensation for damage is made by paying insurance compensation in the manner and 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. At the same time, the obligation to provide documents substantiating the reasons for the occurrence of the insured event and the amount of damage lies with the Policyholder, the Beneficiary and the Insured persons.

11.3. Payment of insurance indemnity by means of payment of funds or issuance of a referral for repairs is made after receipt from the Insured (the Beneficiary, the Insured persons) of all documents requested by the Insurer within:

• 30 calendar days for the risk of THEFT;
• 15 calendar days for the risks of DAMAGE, DAMAGE TO ACCESSORIES, CIVIL LIABILITY OF VEHICLE OWNERS, ACCIDENT.

11.4. Unless otherwise provided by the Insurance Policy, 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, the date of issue of a referral for repairs or the date of signing by the Policyholder (the Beneficiary) and the Insurer of an agreement on offsetting mutual monetary claims.

11.5. The amount of insurance indemnity is determined by the Insurer on the basis of documents confirming the amount of damage within the sum insured and taking into account the amount of the Insured's own participation in damage compensation (deductible).

The amount of the insurance indemnity shall include the expenses of the Insured (the Beneficiary) or the Insured person for the conduct of 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.

The amount of insurance indemnity may exceed the sum insured by the amount of the Insured's expenses for the evacuation of the vehicle in the event that the Insured has incurred these expenses under the conditions provided for in clause 11.6.4 of these rules.

OJSC AlfaStrakhovanie is one of the largest insurance companies in Russia, providing insurance activity for about 25 years now. Programs property insurance, 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 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

AlfaStrakhovanie IC offers various programs for insurance of movable and real estate, short descriptions 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 ship 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.

« APPROVED by Order Director General AlfaStrakhovanie JSC dated October 18, 2007 No. 156/01 PROPERTY INSURANCE RULES ("All risks") CONTENTS..."

Property Insurance Rules (“All Risks”)

APPROVED

By order of the General Director of AlfaStrakhovanie OJSC

PROPERTY INSURANCE

("All Risks")

1. General Provisions.

2. Objects of insurance.

3. Insurance risks, insured event, exclusions from the scope of liability.

4. Sum insured.

Property Insurance Rules (“All Risks”)

5. Franchise.

6. Territory of insurance.

7. Insurance premium.

8. Conclusion of the insurance contract, entry into force of the contract, validity period and termination of the insurance contract.

9. Change in the degree of risk.

10. Rights and obligations of the parties.

11. The procedure for determining the amount of losses and payment of insurance compensation.

12. Subrogation.

13. Double insurance.

14. Dispute resolution.

Property Insurance Rules (“All Risks”)

1. GENERAL PROVISIONS

1.1. On the terms of these Rules and the current legislation of the Russian Federation, an open Joint-Stock Company AlfaStrakhovanie, hereinafter referred to as the Insurer, concludes property insurance contracts with legal entities and capable individuals, hereinafter referred to as the Policyholders.

1.2. Under the contract concluded on the basis of the Rules, the Insurer undertakes, for the fee stipulated by the contract (insurance premium), upon the occurrence of an event (insurance event) provided for in the contract, to compensate the other party (the Policyholder) or another person in whose favor the contract was concluded (the Beneficiary) caused as a result of this event losses (to pay insurance compensation) within the amount specified by the contract (sum insured).





1.3. The Policyholder has the right to conclude contracts with the Insurer in favor of persons other than the Policyholder (hereinafter referred to as the Beneficiaries), however, the insurance contract may be concluded only in favor of a person (the Policyholder or the Beneficiary) who has an interest based on law, other legal act or contract in maintaining property insurance (insurance interest).

1.4. The conclusion of an insurance contract in favor of the Beneficiary does not release the Insured from fulfilling obligations under this contract, unless the Contract provides otherwise, or the obligations of the Policyholder are performed by the person in whose favor the Contract is concluded.

1.5. The conditions contained in the Rules and not included in the text of the Agreement are binding on the Policyholder (the Beneficiary) if the Agreement directly indicates their application and the Rules themselves are set out in the same document with the Agreement or on its reverse side or are attached to it. In the latter case, the delivery to the Policyholder at the conclusion of the insurance contract of these Rules must be certified by a record in the contract (policy).

1.6. When concluding the contract, the Policyholder and the Insurer may agree to change or exclude certain provisions of the Rules in accordance with the current legislation of the Russian Federation.

2. OBJECTS OF INSURANCE

2.1. The object of insurance is the property interests of the Insured associated with the possession, use, disposal of property due to its loss, damage, death or destruction.

2.2. The insurance contract may be concluded in respect of property used by the Insured on the basis of ownership (possession, use, disposal), as well as property accepted by the Insured in trust management, rent, leasing, pledge, storage, commission, sale and other legal grounds.

2.3. Under the insurance contract concluded on the basis of these Rules, the following can be insured:

2.3.1. Real estate objects as a whole (including construction in progress), as well as their individual architectural and structural parts and elements (parts of buildings, residential and non-residential premises, separately interior decoration, elements engineering infrastructure etc.).

2.3.2. Movable property (equipment, power and other machines, transmission devices, inventory, finished products, goods, raw materials, materials, etc.);

2.3.3. Property complexes, which include both real estate (clause 2.3.1.) and movable property (clause 2.3.2.), united by a common functional purpose.

2.4. Unless otherwise stipulated in the insurance contract, insurance does not cover:

2.4.1. Cash in Russian and foreign currency;

2.4.2. Shares, bonds and other securities;

2.4.3. Manuscripts, plans, drawings and other documents, accounting and business books;

2.4.4. Models, layouts, samples, forms, etc.;

2.4.5. Precious metals in bars and precious stones without setting;

2.4.6. Technical storage media of computer and similar systems, in particular magnetic films and cassettes, magnetic disks, etc.;

2.4.7. Stamps, coins, banknotes and bonds, drawings, paintings, sculptures or other collections or works of art;

2.4.8. Explosives;

2.4.9. Means of transport, mobile construction, agricultural or other machines, any devices or installations for the offshore extraction of oil or other minerals;

2.4.10. Property located in the insured premises, but not owned by the Insured.

2.4.11. Property leased, leased or leased by the Insured, as well as other property temporarily at the disposal or under the control of the Insured.

2.5. The Insurance Contract must contain information that allows you to accurately determine (individualize) the insured property.

It is allowed to insure movable property without individualization of its individual items, indicating individual types or groups of property subject to insurance, allocated according to classification criteria (for example, equipment, electronic computers, inventory, raw materials, materials, etc.).

2.6. In any case, buildings and structures recognized by the competent state authorities as being in disrepair, as well as the property located in them, are not considered insured.

3. INSURANCE RISKS, INSURED EVENT. EXCLUSIONS FROM LIABILITY

3.1. An insured risk is a prospective event that has signs of chance and the likelihood of its occurrence, in the event of which occurrence insurance is carried out.

3.2. An insured event is an event that actually occurred, provided for by the insurance contract, upon the occurrence of which the Insurer's obligation to make an insurance payment arises.

3.3. In accordance with these Rules, an insured event is the loss, damage, destruction or destruction of property in respect of which an insurance contract has been concluded due to a sudden and unforeseen external impact on it for any reason (unless otherwise provided by the Additional Conditions to these Rules), except for those specified in clause 3.4. and subject to the provisions of clause 3.5. of these Rules.

3.4. The damage caused to the property of the Insured, which occurred as a result of:

3.4.1. Natural wear, corrosion, oxidation of the insured property or its gradual loss of its qualities or useful properties, if the normative life of the property has expired;

3.4.2. Defects and deficiencies of the insured buildings, structures that already existed at the time of conclusion of the insurance;

3.4.3. Pollution of the insured property with harmful substances that pose a danger to the life and health of people, animals and the natural environment, except in cases where such pollution occurred as a result of a sudden and unforeseen event recognized as an insured event under these Rules;

3.4.4. Impact on the insured property of natural factors typical for the usual climatic and weather conditions in the area (rain, snow or other precipitation, changes in temperature, humidity or other factors). Also, the insurance does not cover changes in the physical and chemical properties of the insured property (including changes in color, smell, weight, shrinkage, shrinkage, stretching, leakage, evaporation), unless such damage was a direct result of a fire, lightning strike, explosion, fall flying objects, collision with ground vehicles or ship bulk.

3.4.5. Intention of the Insured, the Beneficiary, their senior employees or representatives, as well as persons acting, albeit on their own behalf, but with the knowledge and in the interests of the Insured or the Beneficiary;

Note: The Policyholder, the Beneficiary, their manager or representative is recognized as acting intentionally if he was aware of the danger of his actions (inaction), foresaw the possibility of an insured event, and knowingly allowed the occurrence of an insured event or was indifferent to it 3.4.6. Also, the insurance does not cover fines, forfeits, penalties or other monetary penalties imposed on the Insured or persons employed by him in accordance with the legislation or other orders of the authorities in force in the territory of insurance.

3.5. Unless specifically provided for in the insurance contract, the following are not covered by insurance (special risks):

3.5.1. Expenses for clearing the territory from debris formed as a result of an insured event;

Property Insurance Rules (“All Risks”)

3.5.2. Losses as a result of construction and installation works, testing, installation, installation, as well as reconstruction or re-equipment, alteration, maintenance or repair of insured buildings;

3.5.3. Earthquake losses resulting from a discrepancy between the actual seismic level of the area in which the object of insurance is located or being built, at the time of conclusion of the insurance contract, the level and standards laid down and taken into account in the design and construction of buildings, structures and other objects of the property complex.

3.5.4. Losses resulting from:

collapse, natural subsidence and / or swelling of the soil,

Landslide or other ground movement,

Foundation settlement, cracking, compression, swelling or expansion or collapse of buildings,

Bank or river erosion caused by human activities (blasting, excavation of pits or quarries, backfilling of voids or excavation, as well as the extraction or development of deposits of solid, liquid or gaseous minerals).

3.5.5. Losses incurred during the transportation of the insured property, including by means of transport routes located within the enterprise.

3.5.6. Direct and indirect losses resulting from penetration of rain, snow, hail or dirt into the insured premises through unclosed windows, doors or other openings in buildings, unless these openings were caused by a storm, whirlwind, hurricane or tornado;

3.5.7. Losses caused by possession of bombs, mines, shells or other weapons.

3.5.8. Losses resulting from civil unrest, riots, strikes or lockouts.

3.5.9. Losses incurred as a result of confiscation, requisition, arrest, destruction or damage to property by order of military or civil authorities or other actions of administrative bodies;

3.5.10. Losses resulting from a civil war, armed uprising, rebellion, actions of armed rebels, as well as actions of the authorities aimed at suppressing them.

3.5.11. An act of terrorism and/or terrorism, regardless of any other circumstances or events operating simultaneously.

3.5.12. Actions to control, prevent, suppress or any other actions related to a terrorist act and / or terrorism.

3.5.13. Acts of violence or acts dangerous to human life, tangible or intangible property with the intent or desire to influence any government or for the purpose of intimidating the public or any segment of the population.

3.5.14. Losses from a storm, whirlwind, hurricane, tornado or other movement of air masses caused by natural processes in the atmosphere, if the wind speed that caused the loss did not exceed 60 km/h.

3.5.15. Unexplained disappearance of the insured property, its shortage discovered during the inventory, its loss, theft (without illegal entry), theft or concealment;

3.5.16. Losses resulting from errors in the operation or maintenance of the insured property, negligence of maintenance personnel;

3.5.17. Losses resulting from the impact of electric current in the form of a short circuit, a sharp increase in current or voltage in the electrical network, exposure to induced currents and other similar causes. However, if a fire occurs due to the reasons specified in this paragraph, the damage to the insured property as a result of the fire is subject to compensation 3.5.18. Losses resulting from errors in design, use of defective materials, errors in design, manufacture, repair or installation of the insured property.

3.5.19. Loss of or damage to interchangeable tools and parts which, due to their use and/or their nature, high degree subject to wear or tear.

3.5.20. Losses resulting from deceit, fraud and blackmail.

3.5.21. Electronic and computer risks, including loss of data, alteration or corruption of data or damage to IT systems, computer viruses, date manipulation, data processing, any failure of computer hardware and software, embedded chips.

3.5.22. Indirect losses arising, in particular, due to delay in the delivery of products or untimely delivery, loss of profit or benefit, slowdown in production or reduction in the quantity of goods or services produced, even if such losses were the result of events in connection with the occurrence of which the Insurer would be required to pay

Property Insurance Rules (“All Risks”)

compensation in accordance with the terms of the insurance contract;

3.5.23. Losses due to omissions and errors of the Insured, the Beneficiary, their executives or representatives, as well as persons acting, although on their own behalf, but with the knowledge and in the interests of the Insured or the Beneficiary, expressed in a deviation from the mandatory requirements of care and diligence, as well as violation by someone or from the specified persons of the established rules for handling the insured property.

3.5.24. Losses resulting from the use of nuclear energy in any form and the consequences of such use;

3.5.25. Exposure to any chemical, biological, biochemical or electromagnetic weapon.

3.5.26. Sabotage, war or hostilities of any kind, their consequences (including mine clearance or munitions clearance), whether or not such war is declared, and attacks by the armed forces of any recognized or unrecognized government by land, air or sea, or direct the threat of such an attack.

3.5.27. Losses as a result of damage to the insured equipment during its repair or maintenance.

3.6. By agreement of the parties, the insurance contract may provide for an expansion of the list of risks excluded from the scope of the Insurer's liability.

3.7. By agreement of the parties under the insurance contract, damage from interruption in production and loss of profit can be insured in accordance with the "Additional conditions for insurance against damage in case of interruption in production or loss of profit" to these Rules.

4. SUM INSURED

4.1. The sum insured is the amount of money within which the Insurer undertakes to make an insurance payment upon the occurrence of an insured event and which is determined by agreement between the Insurer and the Insured.

When concluding an insurance contract, the parties may agree on the sums insured both for individual groups of property and for individual items accepted for insurance.

4.2. The sum insured must not exceed the actual (insurable) value of the insured property, otherwise the insurance contract is void in that part of the sum insured that exceeds the actual value of the property at the time of conclusion of the contract

4.3. Unless otherwise provided by the insurance contract, the actual (insurance) value is determined:

4.3.1. For equipment, machinery, inventory, household items and personal use - based on the amount required to purchase a completely similar item, minus depreciation.

4.3.2. For buildings and structures - based on the cost of construction in the given area of ​​an object that is completely similar to the insured one in terms of its characteristics and quality building materials, taking into account its wear and tear and operational and technical condition;

4.3.3. For goods manufactured by the Insured (both work in progress and finished) - based on the production costs required for re-manufacturing, but not higher than their selling price;

4.3.4. For goods sold and purchased by the Insured, as well as for raw materials purchased by the Insured - based on the cost at prices necessary for their re-purchase, but not higher than the prices at which they could be sold on the date of the insured event.

Additionally, the costs of their transportation and packaging, customs duties and other fees may be included. The actual cost can be calculated on the basis of prices valid on the date of the insured event.

4.3.5. When insuring interior decoration - based on the cost of repair and restoration works of the declared volume, taking into account its wear and tear and operational and technical condition.

4.3.6. For household items and home furnishings, complex audio, video and electronic equipment, consumer and use items - based on the amount required to purchase an item that is completely similar to the insured one, taking into account its wear and tear;

4.3.7. For apartments or separate rooms in an apartment of a residential building - in the amount of the cost of acquiring an apartment (room) completely similar to the insured one, taking into account wear and tear and operational and technical condition;

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4.3.8. For property received as a result of contractual relations (leasing, pledge, etc.) - based on the amount of property liability of the Insured (Beneficiary), but not higher than the value of the relevant types of property, determined in accordance with the provisions of these Rules.

4.3.9. For other types of property and property complexes - based on the methods and methods of valuation recommended or established by the current regulatory legal acts of the Russian Federation, but, in any case, not exceeding their actual value.

4.4. If the sum insured specified in the insurance contract turns out to be less than the actual value of the insured object at the time of the occurrence of the insured event (underinsurance), the amount of loss and expenses are paid in proportion to the ratio of the sum insured and the actual value of the insured object.

4.5. Compliance of sums insured with the actual value is established separately for each insured object or set of objects specified in the contract (policy).

4.6. The insurance contract may provide that if the sum insured is lower than the insured value of the object of insurance, the payment of insurance compensation upon the occurrence of an insured event is carried out in the amount of the losses caused, without taking into account the ratio of the sum insured and the insured value, but not higher than the sum insured.

4.7. If the overstatement of the sums insured in the insurance contract was the result of fraud on the part of the Insured, the Insurer has the right to demand that the insurance contract be recognized as invalid and compensation for the losses caused to the Insurer.

4.8. The sum insured may subsequently be increased for an additional premium in the event that the object was not insured for the full insured value or the value of the object has increased. An increase in the sum insured is formalized by an additional agreement of the parties.

4.9. When insuring a variable commodity weight, the Policyholder is obliged to keep records of it in such a way that at any time it is possible to document its actual value.

4.10. After the payment of the insurance indemnity, the sum insured is reduced by the amount of the paid insurance indemnity. The sum insured is reduced from the date of occurrence of the insured event. When restoring or replacing the damaged property, the Policyholder has the right to restore the initial sums insured for an additional premium by concluding an additional agreement to the insurance contract.

4.11. The total amount of payments made to the Policyholder for all insured events that occurred during the term of the insurance contract may not exceed the total insurance amount established by the contract.

5. FRANCHISE

By agreement of the parties, the insurance contract may provide for a share 5.1.

own participation of the Insured in compensation for loss - deductible. The deductible can be set in absolute amount or as a percentage of the sum insured or the amount of loss.

Losses not exceeding the deductible are not refundable.

If several insured events occur, the deductible is taken into account in the calculation 5.3.

indemnity for each case, unless otherwise stipulated in the insurance contract.

If several insured persons are injured as a result of one insured event 5.4.

objects or groups of objects for which separate deductibles are provided for in the insurance contract, the deductibles are taken into account when calculating the indemnity for each object or group of objects, unless otherwise stipulated in the insurance contract.

6. TERRITORY OF INSURANCE

6.1. The property in respect of which the insurance contract is concluded is considered to be insured only in the territory determined by the insurance contract - the territory of insurance.

6.2. If the insured property is moved outside the territory of insurance, the insurance contract does not apply to such property.

7. INSURANCE PREMIUM

7.1. The insurance premium is the payment for insurance, which the Policyholder is obliged to pay to the Insurer in accordance with the insurance contract.

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7.2. The insurance premium is paid in a lump sum or in installments in accordance with the terms of the insurance contract (policy).

7.3. The insurance premium may be paid in cash or by bank transfer.

7.4. The form and procedure for paying the insurance premium is specified in the insurance contract.

7.5. Unless otherwise provided by the insurance contract, in case of non-payment of the insurance premium (the first or one-time insurance premium) by the Insured within the period agreed in the insurance contract, the latter automatically terminates early from the day following the last day of the premium payment period. In this case, the Policyholder is obliged to pay to the Insurer a part of the insurance premium for the period during which the insurance was valid.

In case of payment of an insurance premium in an amount less than stipulated in the insurance contract, the Insurer returns the received amount to the Insured within 3 (three) days from the date of its receipt, and the insurance contract automatically terminates early from the day following the last day of the premium payment deadline unless otherwise provided by the insurance contract. At the same time, the Insurer withholds a part of the premium for the time during which the insurance was valid.

7.6. Unless otherwise provided by the insurance contract, if the Insured fails to pay the second or any subsequent insurance premium within the terms specified in the Insurance Contract or if such insurance premium is not paid in full, this Insurance Contract shall terminate from 00:00 on the day following the day that is the last deadline for payment of such insurance premium. In the event of termination of the Insurance Policy in accordance with the provisions of this paragraph, any payments (both in cash in cash, and by bank transfer) are not accepted by the Insurer as payment of the next insurance premium and are returned to the payer as soon as possible with the appropriate justification.

7.7. Unless otherwise provided by the insurance contract, then under contracts concluded for a period of less than 1 year, the insurance premium is paid in the following amount from the amount annual bonus:

–  –  –

8. CONCLUSION OF THE INSURANCE CONTRACT, ENTRY INTO FORCE OF THE CONTRACT, TERM

ACTION AND TERMINATION OF INSURANCE CONTRACT

8.1. The insurance contract is concluded on the basis of the application of the Insured.

The application must contain all the necessary information about the objects and items claimed for insurance. An application made in writing, after the conclusion of the insurance contract, becomes its integral part.

8.2. When concluding an insurance contract, the Policyholder is obliged to inform the Insurer of all circumstances known to him that are essential for determining the degree of risk in relation to the property accepted for insurance.

8.3. When concluding an insurance contract, the Insurer has the right to inspect the insured object, and, if necessary, appoint an expert examination in order to establish its actual value or risk assessment.

8.4. The insurance contract may be concluded by drawing up a single document signed by the parties and/or handing over by the Insurer to the Policyholder an insurance policy signed by the Insurer. If the conclusion of the contract occurs by issuing an insurance policy, the consent of the Insured to conclude an insurance contract on the proposed terms is confirmed by his acceptance of the insurance policy with a record of the issuance of the insurance policy by the representative of the Insurer on the second copy (copy) of the insurance policy or a written application of the Insured, or a receipt for payment of the insurance premium.

8.5. In case of loss of a copy of the Insurance Contract (policy) during the period of its validity, the Insurer issues a duplicate to the Insured upon his written application. After issuing a duplicate, the lost Insurance Contract (policy) is considered invalid and no payments are made under it.

8.6. The insurance contract, unless otherwise provided in it, shall enter into force:

8.6.1. at non-cash payment insurance premium - from 00:00 on the day following the day of receipt of the insurance premium or its first part to the settlement account of the Insurer;

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8.6.2. in case of cash payment of the insurance premium - from the moment of receipt of the insurance premium or its first part in the cash desk of the Insurer.

8.7. The validity of the insurance contract ends at 24:00 on the day indicated in the insurance contract as the date of termination of the contract.

8.8. The insurance contract is concluded by agreement of the parties, as a rule, for a period of one year.

8.9. The insurance contract is terminated early in the following cases:

8.9.1. expiration of the validity period specified in the contract as the day of its expiration;

8.9.2. fulfillment by the Insurer of obligations under the contract in full;

8.9.3. non-payment by the Insured of the next part of the insurance premium within the period and amount established by the Contract, unless a deferral of payment was granted or other consequences were not agreed;

8.9.4. when the possibility of an insured event has disappeared and the existence of the insured risk has ceased due to circumstances other than the occurrence of an insured event;

8.9.5. refusal of the Policyholder from the insurance contract, if the possibility of an insured event has not disappeared due to the circumstances specified in clause 8.9.4. these Rules;

8.9.6. death of the Policyholder - an individual or liquidation of the Policyholder - a legal entity in accordance with the procedure established by the legislation of the Russian Federation, except for cases of replacement of the Policyholder;

8.9.7. liquidation of the Insurer in accordance with the procedure established by the legislation of the Russian Federation;

8.9.8. recognition of the insurance contract as invalid by a court decision;

8.9.9. by agreement of the Insurer and the Insured;

8.9.10. in other cases provided for by the current legislation of the Russian Federation.

8.10. In case of termination of the insurance contract:

8.10.1. Under the circumstances referred to in paragraphs. 8.9.1 - 8.9.3, 8.9.5. of these Rules, the insurance premium is not returned to the Policyholder.

8.10.2. Under the circumstances referred to in paragraphs. 8.9.4., 8.9.9. of these Rules, the insurance premium shall be returned to the Policyholder for the unexpired term of this contract, minus the expenses incurred by the Insurer.

8.10.3. Under the circumstances referred to in paragraphs. 8.9.6., 8.9.7., 8.9.8., 8.9.10 of these Rules, the insurance premium is returned in the manner prescribed by the current legislation of the Russian Federation.

8.11. The parties are obliged to notify each other in writing of their intention to terminate the insurance contract early at least 30 days before the expected date of termination of the insurance contract, unless the insurance contract provides for a different notice period.

8.12. When the rights to the insured property are transferred from the person in whose interests the contract was concluded to another person, the rights and obligations under this contract are transferred to the person to whom the rights to the property have been transferred, except in cases of forced seizure of property on the grounds provided for by the civil legislation of the Russian Federation , and waiver of ownership in accordance with the civil legislation of the Russian Federation.

The person to whom the rights to the insured property have been transferred must immediately notify the Insurer of this.

8.13. All messages provided for by the terms of these Rules and the insurance contract must be made by the Parties in writing by means of communication that ensure the fixing of messages, or handed over against receipt.

9. CHANGING THE RISK

9.1. During the validity period of the Insurance Contract, the Policyholder or the Beneficiary shall immediately, as soon as it becomes known to them, notify the Insurer of all significant changes in the risk accepted for insurance, reported upon conclusion of the insurance contract, as well as such changes as: pledge, transfer of property to another person, termination of production or a significant change in its nature, demolition, reconstruction or re-equipment of buildings or structures, damage or destruction of property, regardless of whether losses are compensable or not, etc.

9.2. After receiving information about the increase in the insured risk, the Insurer has the right to demand changes in the terms of the insurance contract or payment of an additional insurance premium in proportion to the increase in risk. If the Policyholder objects to the change in the conditions

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of an insurance contract or additional payment of an insurance premium, the Insurer has the right to demand termination of the contract in the manner prescribed by the civil legislation of the Russian Federation. In particular, the agreement on termination of the contract is made in the same form as the contract, the obligations of the parties terminate from the moment the agreement on termination of the contract is concluded, and if it is terminated by a court, from the moment the court decision on termination of the contract comes into force.

The parties are not entitled to demand the return of what was performed by them under the obligation before the termination of the contract, unless otherwise provided by law.

9.3. If an insured event occurred during the period when the parties agreed on the terms of the insurance contract, under which there was an increase in the degree of risk, the Insurer has the right to suspend the payment of insurance indemnity under this contract until the conclusion of an additional agreement and the payment of an additional insurance premium in proportion to the degree of increase in insurance risk or to pay out insurance indemnity if the insurance the case is not associated with an increase in the degree of risk.

9.4. If the Policyholder (the Beneficiary) has not informed the Insurer about significant changes in the circumstances reported at the conclusion of the contract, the Insurer has the right to demand termination of the contract and compensation for losses caused by the termination of the contract.

9.5 The insurer is not entitled to demand termination of the insurance contract if the circumstances leading to an increase in the insured risk have already disappeared.

10. RIGHTS AND OBLIGATIONS OF THE PARTIES

10.1. The insurer has the right:

10.1.1. check the condition of the insured property, including for compliance with the conditions specified in the application for insurance, as well as check the information provided by the Insured and the fulfillment of the terms of the insurance contract;

10.1.2. immediately unilaterally terminate the insurance contract or demand additional payment of the insurance premium in case of a change in the initial characteristics of the insured object specified in the application for insurance, or deterioration in the conditions of its operation or storage, increasing the likelihood of an insured event or otherwise increasing the degree of risk;

10.1.3. demand from the Policyholder documents certifying the occurrence of an insured event, as well as confirming the amount of insurance compensation payable;

10.1.4. send requests to the competent authorities on issues related to the investigation of the causes and determination of the amount of the damage caused;

10.1.5. independently find out the causes and circumstances of the insured event, the amount of loss, conduct an inspection or examination of damaged property;

10.1.6. if the competent authorities have materials that give the Insurer grounds to refuse to pay the insurance indemnity, delay the payment until all the circumstances are clarified;

10.1.7. pay out insurance indemnity without documents from the competent authorities confirming the fact of the occurrence of an insured event, if the amount of damage does not exceed 5% (five percent) of the sum insured (the corresponding indemnity limit);

10.1.8. participate in the preservation and rescue of the insured property, as well as give instructions aimed at reducing losses, which are binding on the Policyholder (the Beneficiary);

10.1.9. present, within the limits of the amount of the paid insurance indemnity, claims in the order of subrogation against the persons responsible for the damage caused;

10.1.10. postpone the drawing up of the insurance act and the payment of the insurance indemnity if:

An independent examination of the causes and circumstances of the insured event and the amount of damage was carried out. The delay occurs until the end of the examination and the preparation of the relevant document;

There are reasonable doubts about the powers of the Insured or the powers of the Beneficiary to receive insurance compensation. In this case, compensation is not paid until the necessary evidence is presented (such evidence is the documents specified in paragraph 10.4.16. of these Rules);

The internal affairs bodies initiated a criminal case on the fact of an insured event against the Insured or the Beneficiary or members of their families (for individual entrepreneurs). The postponement occurs until the termination of the criminal case or the issuance of an appropriate sentence by the court;

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Litigation has been initiated in relation to the insured event. Postponement may occur until the entry into force of the judicial act in the absence of its appeal. In the event of an appeal, a delay occurs until the adoption of a judicial act that is not subject to appeal.

10.1.11. demand from the Beneficiary the fulfillment of obligations under the insurance contract, including obligations incumbent on the Insured, but not fulfilled by him, upon presentation by the Beneficiary of a claim for payment of insurance compensation. The risk of consequences of non-performance or untimely performance of obligations that should have been performed earlier shall be borne by the Beneficiary;

10.1.12. take such measures as he deems necessary to reduce losses, undertake, by written order of the Insured (the Beneficiary), the protection of his rights and conduct all cases to settle losses;

10.1.13. demand recognition of the contract as invalid if, after the conclusion of the insurance contract, it is established that the Policyholder has provided the Insurer with knowingly false information about the circumstances known to him that are essential for determining the likelihood of an insured event and the amount of possible losses from its occurrence. In any case, the circumstances are recognized as significant if they are specifically stipulated by the Insurer in the standard form of the insurance contract (insurance policy) or in his written request.

10.2. The insurer is obliged:

10.2.1. familiarize the Policyholder with these Rules of Insurance;

10.2.2. issue an insurance policy to the Policyholder with these Rules attached within the period established by the insurance contract;

10.2.3. in the event that the Insured takes measures that reduce the risk of an insured event and the amount of possible loss caused to the insured property, or in the event of an increase in its actual value, at the request of the Insured, supplement or amend the insurance contract taking into account these circumstances;

10.2.4. upon receipt of a written notice of damage from the Policyholder (the Beneficiary):

Conduct, with the participation of the Policyholder (the Beneficiary), within 7 (seven) days, inspect the damaged property and draw up an act;

If necessary, together with the Insured (Beneficiary), draw up a loss calculation;

10.2.5. in cases recognized by the Insurer as insurance, to pay insurance compensation after signing the insurance act within 15 banking days, unless the insurance contract provides for another period;

10.2.6. notify the Insured about the refusal to pay insurance compensation within the period stipulated by the insurance contract in writing with justification of the reasons for the refusal;

10.2.7. when drawing up an insurance contract, formulate clear and unambiguous provisions for interpretation;

10.2.8. not to disclose information about the Insured and his property status, except as otherwise provided by the current legislation of the Russian Federation.

10.3. The insured has the right:

10.3.1. read these Rules;

10.3.2. choose insurance risks at will;

10.3.3. prove a different valuation of the insured property than its valuation by the Insurer, including using the services of an independent examination in order to determine the actual value of the property;

10.3.4. change the sum insured during the validity period of the insurance contract due to an increase or decrease in the value of the insured object. Changes are made on the basis of the Application of the Insured with the execution of an additional agreement to the insurance contract and the recalculation of the insurance premium;

10.3.5. during the term of the insurance contract, replace the Beneficiary named in the insurance contract with another person by notifying the Insurer in writing, except in cases where the Beneficiary declared in the insurance contract has fulfilled any of the obligations under the insurance contract or has submitted a claim to the Insurer for payment of insurance compensation;

10.3.6. carry out insurance of the same object with another Insurer in the case when the object is insured only in part of the insured value. At the same time, the sum insured under all contracts should not exceed the insured value of the object;

10.3.7. get a duplicate of the insurance policy in case of its loss;

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10.3.8. terminate the insurance contract in accordance with these Rules and the legislation of the Russian Federation;

10.3.9. receive information about the Insurer in accordance with the legislation of the Russian Federation;

10.3.10. to receive insurance compensation upon the occurrence of an insured event in accordance with the terms of the insurance contract and these Rules;

10.3.11. demand an independent examination in order to most accurately establish the reasons for the destruction or damage to the insured property, as well as the amount of losses incurred in connection with this. An independent examination is carried out by an expert (expert commission) appointed (appointed) by agreement of the parties. The examination is carried out at the expense of the party that requested it. In the event that the results of the examination establish that the Insurer's refusal to pay compensation was unjustified, the Insurer assumes a share of the costs of the examination corresponding to the ratio of the amount initially refused and the amount of compensation paid after the examination. If the Insured requested an examination, then the costs of its conduct in cases recognized as non-insurance after it were carried out are charged to the Insured;

10.4. The insured is obliged:

10.4.1. when concluding an insurance contract, inform the Insurer about all circumstances known to him that are important for determining the likelihood of an insured event and the amount of possible losses from its occurrence, if these circumstances are unknown and should not be known to the Insurer, as well as about all existing and concluded insurance contracts in respect of property accepted for insurance by the Insurer;

10.4.2. assist the Insurer (its representative) in carrying out the inspection of the object of insurance and provide the Insurer, upon request, with information and documents necessary for risk assessment;

10.4.3. during the validity period of the insurance contract, immediately inform the Insurer of all significant changes in the risk accepted for insurance (clause 9.1. of these Rules);

10.4.4. timely pay the insurance premium (insurance premiums) in the amount and terms specified in the insurance contract (policy);

10.4.5. comply with the rules and norms of fire safety, protection of premises and valuables, safety of work or other similar norms established by laws or other regulatory acts;

10.4.6. Upon the occurrence of an event that, under the terms of the insurance contract, can be recognized as an insured event, the Policyholder is obliged to:

10.4.7. Immediately notify the appropriate competent authorities of the event that occurred as a result of:

Illegal actions of third parties (arson, deliberate destruction or damage to the insured property, etc.) - to the police;

Fire or lightning strike - to the bodies of the State Fire Supervision;

An explosion or an accident in water supply, heating, sewerage or automatic fire extinguishing systems - to the relevant bodies of the state emergency service;

Other authorities whose competence includes investigating the event.

10.4.8. collect, without waiting for the arrival at the place of the insured event, representatives of the Insurer, from police officers or representatives of other competent authorities, available preliminary information regarding the causes and circumstances of the insured event (for example, draw up an act freeform with the participation of the local administration, representatives of other official bodies, as well as with the participation of eyewitnesses (witnesses) of the insured event, if possible, fix the picture of the damage using photo, film or video) and transfer it to the Insurer for the purpose of subsequent more correct and objective official investigation of the insurance case;

10.4.9. immediately, but in any case not later than three days, counting from the day when he learned or should have known about the loss, unless the insurance contract provides for a different notice period, notify the Insurer or his representative in writing (by facsimile, by registered mail, in person or by courier). Just like the Policyholder, the obligation to immediately notify the occurrence of an insured event lies with the Beneficiary, who is aware of the conclusion of the insurance contract in his favor, if he intends to exercise the right to receive insurance compensation;

This obligation will be considered properly fulfilled by the Insured if the message about the insured event is made taking into account the postal details of the Insurer, as well as the name and fax number of the structural unit of the Insurer, which must be contacted upon the occurrence of an insured event, according to the information in the insurance policy.

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The fact of the proper performance of this obligation in the event of a dispute may be confirmed by written evidence (receipt, receipt, etc.);

10.4.10. take reasonable and affordable measures in the current situation to prevent or reduce damage and save the insured property;

The Policyholder has the right to change the picture of the loss only if it is dictated by security considerations, reduction of the amount of damage, with the consent of the Insurer or two weeks after the notification of the Insurer about the loss. When changing the picture of the loss, the Insured is recommended to fix this picture with the help of photographs, video filming or in another similar way;

10.4.12. present to the Insurer the damaged property or the remains of it, as well as the damaged parts, details and accessories of the property or the remains of them;

10.4.13. provide the Insurer's representative with the opportunity to freely inspect the damaged property, find out the causes and amount of loss, and also ensure the participation of the Insurer's representative in any commissions created to establish the causes and determine the amount of loss;

10.4.14. provide the Insurer with a description (inventory) of damaged, destroyed or lost property. The inventories must be submitted within the terms agreed with the Insurer, but in any case not later than one month from the date of occurrence of the insured event. Inventories are drawn up indicating the cost of damaged items on the day of the insured event;

10.4.15. submit to the Insurer a written application in the established form for the payment of insurance compensation indicating the circumstances of the occurrence of the insured event and the estimated amount of losses known to the Insured at the time of filing the application;

10.4.16. submit to the Insurer, together with the application, the documents received from the competent government bodies necessary to establish the fact and cause of the insured event, as well as the amount of damage caused in the event of:

On the fact of a fire - documents from the State Fire Supervision Authority, as well as the police or the prosecutor's office, if the materials on this case were transferred to these authorities.

On the fact of damage from a lightning strike, natural disasters - documents of the hydrometeorological service;

On the fact of illegal actions of third parties (burglary, robbery, etc.) - documents from the internal affairs bodies, federal service security, as well as a copy of the Policyholder's application to these authorities with the incoming registration number;

On the fact of water damage from sewerage, heating, water supply, fire extinguishing systems - a certificate from public utilities (ZHEK, REU, DEZ, etc.);

On the fact of the fall of the aircraft - documents from the Federal Aviation Service, the Interstate Aviation Committee or the Ministry of Emergency Situations;

In other cases - certificates and documents of the relevant competent authorities.

In all cases, when the bodies of the Ministry of Internal Affairs, prosecutor's offices and other law enforcement agencies took part in the investigation of the circumstances that caused the damage, a written report on the initiation or refusal to initiate a criminal case.

In addition to the above, the Insurer may request other documents from the Policyholder 10.4.17. after liquidation of the damage caused by the insured event and restoration (repair) of the property, present it to the Insurer, otherwise the Insurer shall not be liable for repeated damage or destruction of the property;

10.4.18. submit documents confirming the existence of ownership or other property interest in the lost (lost) or damaged property at the time of the insured event (certificate of ownership, sale and purchase agreement, lease agreement, etc.);

10.4.19. notify the Insurer of all cases of receipt of compensation, return or restoration of damaged or destroyed property by third parties;

10.4.20. perform other actions provided for by the legislation of the Russian Federation, these Rules and the insurance contract.

10.5. If the Policyholder does not comply with any of the above in paragraph 10.4. of these Rules of Obligations, the Insurer has the right to refuse to pay the insurance indemnity.

11. PROCEDURE FOR DETERMINING THE AMOUNT OF DAMAGES AND PAYMENT OF INSURANCE COMPENSATION

11.1. The amount of damage is determined by the Insurer on the basis of an insurance act drawn up by its representative and documents received from the competent authorities of the Property Insurance Rules (“All Risks”) (hydrometeorological service, fire supervision, emergency service, police, investigating authorities, courts, etc.) and other organizations ( appraisal, expert, etc., having the appropriate permissions), documents confirming the amount of damage caused, as well as statements by the Insured about the place, time, causes and other circumstances of causing damage to the insured property.

11.2. The total insurance indemnity for all insured events may not exceed the insurance amount established by the contract for this property.

11.3. Complete loss or destruction of property occurs if the restoration costs exceed the insurable value of the insured property at the time of conclusion of the insurance contract, unless otherwise provided by the insurance contract.

11.4. The insured property is considered damaged if the restoration costs do not exceed the insured value at the time of conclusion of the insurance contract, unless otherwise provided by the insurance contract.

11.5. Unless otherwise provided by the insurance contract, the Insured has no right to refuse the property remaining after the insured event, even if it is damaged. In this case, the cost of such property is subject to deduction from the amount of insurance compensation.

11.6. If damaged parts or items are replaced, despite the fact that they could be repaired without jeopardizing the safe operation of the insured property, the Insured will be reimbursed for the cost of repairing these parts or items, but not more than the cost of replacement.

11.7. The amount of insurance compensation paid to the insured is calculated as follows:

1) upon total loss of the insured object:

–  –  –

DS - the actual value of the subject of insurance at the time of the occurrence of the insured event, taking into account wear and tear;

DS1 - the actual value of the subject of insurance at the time of conclusion of the Contract, taking into account depreciation;

D - ordinary expenses related to the dismantling of the lost subject of insurance;

CO - the cost of the remains of the lost subject of insurance, suitable for further use;

B - the amounts received by the Policyholder (the Beneficiary) in compensation for losses on this subject of insurance from third parties;

DR - expenses for the purpose of minimizing losses, if such expenses were necessary or were made to fulfill the instructions of the Insurer.

SS - the sum insured for the lost subject of insurance at the time of the occurrence of the insured event;

F - deductible established under the insurance contract;

P - recovery costs for repairs that had to be made to bring the damaged item of insurance into the working condition in which it was before the insured event, taking into account wear and tear. These costs include the cost of dismantling and reassembly, normal shipping costs to

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repair shop and back, possible customs duties and fees, provided that these costs were taken into account when determining the sum insured.

11.8. Recovery costs include:

11.8.1. expenses for the purchase of materials and spare parts for repairs;

11.8.2. repair costs. Expenses for payment for repair work are reimbursed at the average rates for similar work in force at the place of work at the time of the insured event;

11.8.3. expenses for the delivery of property, equipment, machinery, materials to the place of repair, necessary to restore the insured objects to the state in which they were immediately before the occurrence of the insured event.

11.9. Recovery costs do not include:

11.9.1. additional expenses caused by changes or improvements to the insured object;

11.9.2. expenses caused by preliminary (temporary or ancillary) repairs or restoration. The insurer shall bear the cost of preliminary repairs only if such repairs are part of the final repair and if the general expenses for repairs, as well as such costs, may be paid by the Insurer, subject to the conclusion of an insurance contract against the risk of business interruption in accordance with the Additional Conditions for insurance against damage in case of business interruption or loss of profit. In this case, the above expenses and expenses incurred as a result of interruption of production should not exceed the amount of indemnity for interruption of production, which the Insurer would have to pay for the period of full restoration work without temporary or auxiliary work. 11.9.3. overhaul, preventive repair and maintenance costs, as well as other costs that would be necessary regardless of the fact of the occurrence of an insured event;

11.9.4. other expenses incurred in excess of necessary expenses.

11.10. In the event of disputes between the parties about the causes and amount of damage, each of the parties has the right to demand an independent examination. An independent examination is carried out at the expense of the party that requested it. In the event that the results of an independent examination establish that the Insurer's refusal to pay compensation was unreasonable, the Insurer assumes a share of the costs of an independent examination corresponding to the ratio of the amount that was initially refused and the amount of compensation paid after the independent examination.

The costs of conducting an independent examination in cases recognized as non-insurable after the examination are borne by the Insured.

11.11. If the stolen property was returned to the Insured, then he is obliged to return to the Insurer the insurance indemnity received for it, minus the costs of repairing or putting the returned property in order.

If the Policyholder refuses to return the insurance indemnity to the Insurer, then all rights to this property are transferred to the Insurer.

11.12. If the Policyholder or the Beneficiary has received compensation for the loss from third parties, the Insurer shall pay only the difference between the amount payable under the terms of insurance and the amount received from third parties. The Policyholder is obliged to immediately notify the Insurer of the receipt of such amounts.

11.13. The Policyholder or the Beneficiary shall be obliged to return to the Insurer the received insurance indemnity (or its corresponding part) if, within the terms stipulated by the legislation of the Russian Federation limitation period a circumstance is discovered that, under the law or under these Rules, completely or partially deprives the Insured or the Beneficiary of the right to insurance compensation.

11.14. The right to present claims by the Policyholder to the Insurer for the payment of insurance compensation shall be extinguished by the expiration of the limitation periods established by the legislation of the Russian Federation.

11.15. The insurance indemnity is payable after the causes and amount of the loss are established.

11.16. The insurance indemnity is paid within 15 banking days after the Insurer receives all the documents and information necessary for payment, unless another period is expressly agreed in the insurance contract.

The day of payment is the day when funds are debited from the Insurer's current account or issued from the cash desk.

11.17. The insurer has the right to postpone the payment of the insurance indemnity in the event of:

Property Insurance Rules (“All Risks”)

11.17.1. if he has reasonable doubts about the eligibility of the Insured to receive insurance compensation - until the necessary evidence is presented;

11.17.2. if the relevant internal affairs bodies initiated a criminal case against the Insured or his authorized persons and an investigation is underway into the circumstances that led to the loss - until the end of the investigation.

11.18. If the Insured is a legal entity that uses the object of insurance on the basis of a power of attorney, a lease agreement or on other legal grounds, the validity of which has expired by the time of the insured event, then the insurance indemnity is paid to the owner of the object or, with the written consent of the owner, to the Insured.

11.19. After the payment of the insurance indemnity, the sum insured is reduced by the amount of the paid insurance indemnity from the date of occurrence of the insured event. After restoration or replacement of the damaged property, the Insured has the right to restore the original sums insured for an additional premium.

11.20. After payment of insurance indemnity for lost or damaged movable property - in the amount of their full sum insured, the Policyholder is obliged, at the request of the Insurer, to transfer to him his property rights to these objects.

12. SUBROGATION

12.1. After the payment of the insurance indemnity, the rights that the Policyholder or the Beneficiary have in relation to persons, within the amount paid by him, are transferred to the Insurer. responsible for causing damage.

12.2. The Policyholder is obliged to transfer all documents to the Insurer and take all actions necessary to exercise the right to claim against the guilty parties.

If the Policyholder or the Beneficiary waives such rights or the exercise of these rights becomes impossible due to their fault, the Insurer shall be released from the obligation to pay insurance indemnity in the amount corresponding to the damage caused to him by the above actions. If the payment of the insurance indemnity has already been made, the Policyholder is obliged to return to the Insurer the amount corresponding to this loss.

13. DOUBLE INSURANCE

13.1. The Policyholder is obliged to inform the Insurer about all insurance contracts concluded by him with respect to the property insured by the Insurer with other insurance organizations.

13.2. If at the time of the occurrence of an insured event, other insurance contracts were also in force with respect to the property insured with the Insurer, the indemnity for loss is distributed in proportion to the ratio of the sums insured in which the property is insured by each insurer, the Insurer pays compensation only in the part falling to its share.

14. DISPUTES RESOLUTION

–  –  –

1. Under the insurance contract concluded in accordance with the Property Insurance Rules and these Additional Terms, the Insurer provides insurance coverage from damage resulting from interruption in production and / or loss of profit as a result of loss, damage, destruction or destruction of the insured property as a result of an insured event provided for by the Insurance Rules and specified in the Insurance Policy.

2. Under the Contract concluded on the basis of these Additional Conditions, the risk of losses from interruption in entrepreneurial and (or) non-commercial activities can be insured only by the Insured himself and only in his favor.

3. Prior to the conclusion of the insurance contract, the Insured must confirm his property interests in relation to entrepreneurial and (or) non-commercial activities, the risk of interruption of which is subject to insurance, by providing the relevant documents.

4. When concluding an insurance contract, the Insurer has the right to assess the risk, in particular, to get acquainted with the peculiarities of the entrepreneurial and (or) non-commercial activities of the Insured, the risk of interruption in which is supposed to be insured.

5. The object of insurance under the contract concluded in accordance with these additional conditions is the property interests of the Insured associated with the risk of losses as a result of the termination of entrepreneurial and (or) non-commercial activities caused by the events specified in clause 3.3. insurance rules.

6. In accordance with the civil legislation of the Russian Federation, losses are understood as expenses that a person whose right has been violated has made or will have to make to restore the violated right, loss or damage to his property (actual damage), as well as lost income that this person received under normal conditions of civil circulation, if his right had not been violated (lost profit).

7. In accordance with these Additional Conditions, an insured event is a break in the business and (or) non-commercial activities of the Policyholder specified in the insurance contract, which occurred as a result of loss, damage, destruction or destruction of property specified in the insurance contract, and entailed the loss of the Policyholder .

8. An interruption in entrepreneurial and (or) non-commercial activity is considered to have occurred if the activity of the Policyholder specified in the Insurance Contract (hereinafter referred to as the insured activity) has ceased in full or in part.

9. Losses due to interruption in the insured activity subject to compensation

By the Insurer in accordance with these Additional Terms and Conditions, include:

9.1. Lost income that the Insured would have received under normal conditions of civil circulation if his right had not been violated (lost profit);

9.2. Current expenses of the Insured to maintain it economic activity during a break in production. In accordance with these Additional Terms and Conditions, current expenses incurred by the Insured during a break in the insured activity are understood to be expenses on the insured activity that are not related to a change in its volume (fixed expenses), and also do not differ (or slightly differ) in composition and the amount of the same expenses that the Insured incurred in connection with the implementation of the insured activity in the period of 12 months before its interruption and which the Insured inevitably continues to incur during the interruption in the insured activity so that after the restoration of damaged or destroyed property as soon as possible to resume interrupted insured activity to the extent that existed immediately before the occurrence of the insured event.

Such expenses include, in particular:

a) expenses for the basic wages of the Insured's full-time employees and remuneration to employees involved under civil law contracts, with the exception of those in respect of which the piecework wage system is applied;

b) mandatory contributions to off-budget funds of the Russian Federation ( Pension Fund, Social Insurance Fund, Mandatory Fund health insurance, Foundation

Property Insurance Rules (“All Risks”)

employment and other funds) or the payment of taxes arising from the Insured in connection with the payment of wages;

c) rent for premises, equipment or other property leased by the Insured for its insured activities, if under the terms of the lease, lease or other similar contracts, lease payments are payable by the tenant, regardless of the fact of damage or destruction of the leased property;

d) taxes and fees payable regardless of the turnover and results of the insured activity, in particular property tax, land tax, registration fees, license fees, etc.;

e) interest on loans or other attracted funds, if these funds were attracted before the occurrence of the insured event for investments in the area of ​​the insured activity that was interrupted due to loss or damage to property;

f) depreciation deductions according to the norms established for the enterprises of the Insured.

10. The following expenses of the Policyholder are not subject to compensation under the terms of these Additional Conditions:

10.1. Value added tax, income tax, excises, customs duties and other taxes, the object of which is the turnover or financial results insured activity of the Insured (revenue, income, profit);

10.2. Expenses for implementation of material costs associated with a change in the volume of the insured activity of the Insured - variable costs (for the purchase of raw materials, materials, semi-finished products, low-value and wearing items, products and goods, fuel, spare parts, containers, etc.);

10.3. Expenses on operations that are not directly related to the insured activity of the Insured, as well as profit from such operations;

10.4. Penalties, fines, penalties that the Policyholder, in accordance with the contracts concluded by him, is obliged to pay for non-performance or improper performance its contractual obligations, in particular for non-delivery on time, delay in the manufacture of goods, provision of services or other similar obligations, if:

a) such non-performance was not a direct consequence of the interruption in the insured activity;

b) the above sanctions are provided for by contracts that come into force after the loss or damage to property, resulting in a break in the insured activity.

11. The insurer shall not indemnify losses from interruption in the insured activity if:

11.1. The increase in loss occurred due to the expansion or renewal of the insured activity in comparison with its state immediately before the occurrence of the insured event;

11.2. There have been delays in the restoration and resumption of the insured activity, related, for example, to the conduct of cases in court or arbitration, the clarification of ownership relations, ownership, lease or lease of property, etc.;

11.3. The insured was unable to timely restore (replace) the damaged, lost, lost property or timely take all necessary measures to restore the insured activity due to lack or lack of funds;

11.4. The restoration of property or the resumption of the insured activity is delayed due to the fact that administrative bodies or other authorities impose any restrictions on the restoration work or business activities of the Insured;

11.5. The loss from interruption in the insured activity increases due to the fact that the use of the undamaged part of the property becomes impossible as a result of damage, destruction or loss of the rest of the property.

12. The amount within which the Insurer undertakes to pay insurance compensation upon the occurrence of an insured event (the sum insured) is determined by an agreement between the Insured and the Insurer.

13. The sum insured may not exceed the insured value of the insured property interests of the Insured.

14. The insured value is established by agreement of the parties, based on the amount of the maximum possible losses from the interruption in the insured activity, which the Insured, as can be expected based on the data on his current expenses and profits received from his profit and loss statement and other financial reporting for the last no more than three years, would have incurred within 12 months in the event of a complete cessation of the insured activity that occurred during the validity period of the insurance contract. If the indemnity period specified in the contract exceeds 12 months, the insurance value increases proportionally

Property Insurance Rules (“All Risks”)

the ratio of the repayment period to 12 months. In the absence of data on the production and (or) non-commercial activities of the Insured, the risk of interruption of which is supposed to be insured, the insurance value for the past year is established based on the available information on similar objects. The insured value is set taking into account the possible increase in the volume of production (services rendered) of the Insured within the framework of the insured activity and possible inflation.

15. If the Policyholder has received an insurance indemnity, the sum insured shall be reduced by the amount of the paid indemnity. The sum insured is considered to be reduced from the date of occurrence of the insured event.

16. In the insurance contract, within the sum insured, the Parties may establish indemnity limits ( maximum size compensation), for example, for one insured event, for each risk.

17. During the period of validity of the insurance contract, the Policyholder is obliged to immediately, as soon as he becomes aware of it, notify the Insurer of all significant changes related to the insured activity, if these changes can significantly affect the increase in the risk of insurance. For example: on the transfer of property used for the implementation of the insured activity, under a lease (rental) agreement or as a pledge, transfer of ownership rights to it to another person; significant damage or destruction of this property, regardless of whether the losses incurred in connection with this are subject to compensation by the Insurer; on a significant change in the nature of the insured activity, a change in the production site, demolition, repair, restructuring or re-equipment of buildings (structures); about changing the purposes of its use specified in the application; increase in fire danger, decrease in fire protection of property, abandonment of a building (premises or structures) for a period of more than 30 calendar days for overhaul or other purposes by persons using it for its intended purpose. If the Insured fails to fulfill the obligation stipulated by this clause, the Insurer shall have the right to demand termination of the insurance contract and compensation for losses caused by the termination of the contract, in accordance with the legislation of the Russian Federation,

18. The insurer, notified of the circumstances entailing an increase in the risk of insurance, 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 degree of risk. If the Policyholder objects to changes in the terms and conditions of the insurance contract or additional payment of the insurance premium, the insurance contract shall be terminated from the moment of the change in risk.

19. After the Policyholder has become aware of an event that caused or may cause a break in his insured activity, he is obliged to:

19.1. Immediately, but in any case no later than three days, excluding weekends and public holidays, about its occurrence by teletype, telex, fax, telegraph, telephone, etc. A telephone message must be subsequently (within 72 hours) confirmed in writing, using one of the above methods. This obligation will be considered properly fulfilled by the Insured if the message about the insured event is made taking into account the postal details of the Insurer, as well as the name and fax number of the structural unit of the Insurer, which must be contacted upon the occurrence of an insured event, according to the information in the insurance policy. The fact of the proper performance of this obligation in the event of a dispute may be confirmed by written evidence (receipt, receipt, etc.);

19.2. Collect, without waiting for the arrival of representatives of the Insurer, police officers or representatives of other competent authorities at the place of the insured event, available preliminary information regarding the causes and circumstances of the insured event (for example, draw up an act of any form with the participation of the local administration, representatives of other official bodies, as well as with the participation of eyewitnesses (witnesses) of the insured event, if possible, fix a picture of the loss using photo, film or video) and transfer it to the Insurer for the purpose of subsequent more correct and objective official investigation of the insured event;

19.3. Take reasonable and available measures in the current situation in order to create and maintain conditions for preventing the interruption of the insured activity and losses that may arise as a result of the interruption.

19.4. In the event that a break in the insured activity could not be avoided, reasonable and affordable measures can be taken to create conditions for the prompt resumption of the interrupted activity.

Property Insurance Rules (“All Risks”)

The planned set of measures for the resumption of the insured activity, the costs of its implementation, as well as the period of time required for this, must be agreed with the Insurer.

19.5. During the entire indemnity period, strictly comply with all instructions of the Insurer on the method, nature and features of the commercial use of the property involved in the insured activity, aimed at increasing income from its use, or at reducing current and additional costs, or at stopping the break in the insured activity itself, provided that the fulfillment of these requirements does not contradict the statutory goals and objectives of the Policyholder.

19.6. Submit to the Insurer a written Application in the prescribed form for the payment of insurance indemnity, indicating the circumstances of the occurrence of the insured event and the estimated amount of losses known to the Insured at the time of submission of the application.

19.7. Submit to the Insurer, along with the application, the documents obtained from the competent state authorities necessary to establish the fact and cause of the insured event, as well as the amount of expected losses. The Insurer has the right to request from the Insured, and the Insured is obliged to provide the Insurer, the documents necessary for him to establish the fact of an insured event and determine the amount of losses.

19.8. Provide the Insurer with the opportunity to inspect or examine the damaged property used in the insured activity, investigate the causes and extent of damage.

19.9. Submit documents confirming the existence of ownership or other property interest in the lost (lost) or damaged property used in the insured activity at the time of the insured event (certificate of ownership, sale and purchase agreement, lease agreement, etc.).

19.10. During the indemnity period, on a monthly basis, no later than the 15th day of the month following the reporting one, submit to the Insurer a report with supporting documents reflecting the amount of current and additional expenses and the amount of the requested insurance indemnity.

19.13. Maintain an accounting report and submit all documents at the request of the Insurer accounting necessary to determine the amount of insurance compensation. Besides.

The policyholder is obliged to keep balance sheets and inventory lists (sheets) of the property involved in the insured activity for the last three years in such a way as to prevent their simultaneous destruction.

Failure to fulfill the above obligations is equated to gross negligence and entails the consequences provided for by the insurance rules and these Additional Terms.

20. The Insurer shall be released from compensation for losses incurred as a result of the fact that the Policyholder deliberately failed to take reasonable and affordable measures to reduce possible losses.

21. The insurer has the right to defer payment of the insurance indemnity if:

21.1. At the initiative of the Insured, an independent examination of the causes and circumstances of the insured event and the amount of damage was carried out (clause 11.3). In this case, the term for payment of insurance compensation is increased by the period of time during which the examination was carried out;

21.2. There are reasonable doubts about the powers of the Insured to receive insurance compensation. In this case, compensation is not paid until the necessary evidence is presented;

21.3. The internal affairs bodies initiated a criminal case on the fact of an insured event against the Insured or members of his family (for individual entrepreneurs) - until the end of the criminal investigation,

22. Upon the occurrence of an insured event, the Insurer compensates the Insured for the losses caused by the insured event and expressed in the loss of profit and the current and additional expenses actually incurred by the Insured during the period of compensation, within the sum insured at the time of the insured event.

23. The insured has the right to demand an independent examination in order to most accurately determine the reasons for stopping the insured activity, as well as the amount of losses incurred in connection with this. An independent examination is carried out by an expert (expert commission) appointed (appointed) by agreement of the parties. The costs of conducting an independent examination are borne by:

Property Insurance Rules (“All Risks”)

23.1. the Insured, if as a result of such an examination the conclusions of the Insurer's examination regarding the causes of loss or damage to property, as well as the amount of losses incurred are confirmed;

23.2. The insurer, if as a result of the examination, other than in the conclusions of its examination, the reasons for the destruction or damage to property or a more significant amount of losses are established.

23.3. In case of loss, damage, destruction or destruction of property, resulting in a break in the insured activity, the amount of insurance compensation is determined on the basis of the amount of current expenses for the implementation of the insured activity and the profit received by the Insured from this activity for a period equal to 12 months before the date of loss, damage, destruction or destruction of property, resulting in a break in the insured activity (standard period).

If during the comparable period the Insured has not received a profit, he is not entitled to receive compensation from the Insurer for losses expressed in lost profits.

24. Current expenses for the continuation of the insured activity shall be reimbursed only if the Policyholder is obliged by law or under the contract to continue to bear such expenses or if their implementation is necessary for the resumption of the interrupted insured activity.

25. Current expenses for the continuation of the insured activity and lost profits are compensated only to the extent that they would have been covered by income from the insured activity for the period of interruption in it, if this interruption had not occurred.

26. Compensation for depreciation charges on buildings, equipment and other fixed assets of the Insured shall be paid only if such deductions are made on undamaged fixed assets or on their remaining undamaged parts.

27. If it turns out that the sum insured specified in the insurance contract is less than the insured value of the insured property interests of the Insured as of the date of occurrence of the insured event, the Insurer shall compensate the Insured for part of the losses incurred by the latter in proportion to the ratio of the sum insured to the insured value. The insured value of the Insured's property interests in relation to his insured activity as of the date of occurrence of the insured event is calculated in the amount of the current expenses actually incurred by the Insured for the implementation of the insured activity and the actual profit received by the Insured from it for a period equal to 12 months prior to the date of loss or damage to property that caused followed by a break in the insured activity (standard period). To determine the insurance value under an insurance contract with an indemnity period of more than 12 months, the amount calculated by the above method increases in proportion to the ratio of the indemnity period to 12 months.

28. If the Insured has been reimbursed for losses by third parties, the Insurer shall pay only the difference between the amount payable under the terms of insurance and the amount received from third parties. The Policyholder is obliged to immediately notify the Insurer of the receipt of such amounts.

29. Additional expenses are subject to compensation if they do not exceed the amount of the possible current expenses of the Policyholder reduced with the help of them and the profit lost by him due to a break in the insured activity, subject to compensation by the Insurer.

Additional expenses of the Insured shall not be reimbursed:

29.1. Benefits from which the Policyholder receives after the expiration of the indemnity period under the insurance contract;

29.2. If they, together with the compensation paid in respect of lost profits and current expenses, exceed the sum insured established in accordance with the provisions of these Additional Conditions, except in cases where such expenses were incurred at the written instruction of the Insurer, additional expenses are compensated in proportion to the ratio of the sum insured to the sum insured. value determined on the date of conclusion of the insurance contract.

1. In accordance with these Conditions, under the Insurance Policy, losses from damage to or loss of property (mechanisms, equipment, installations and other production machines) due to the following events can be insured:

a. errors in design, construction and calculations;

b. errors in manufacturing and installation;

c. casting defects or material used;

d. unintentional errors in use and maintenance;

e. energy overload, overheating, vibration, disorder, jamming, blockage by foreign objects, exposure to centrifugal forces, "fatigue" of the material;

f. the impact of electricity in the form of a short circuit of an electric current, an overload of the electrical network, a voltage drop, an atmospheric discharge (except for a lightning strike) and other similar phenomena (including fire, if the damage is caused directly to those objects in which the fire occurred);

g. hydraulic shock or lack of liquid in boilers, steam generators, other devices operating with the help of steam or liquid;

h. explosion of steam boilers (rupture of the boiler walls due to expansion of gas or steam), internal combustion engines, other energy sources;

i. wind, frost, ice drift;

j. rupture of cables and chains, falling insured objects, their impact on other objects and other causes of an emergency nature.

An insurance contract may be concluded for the totality of all the above-mentioned insurance risks or any combination thereof.

2. In terms of these Conditions, an insured event means damage or loss of the insured property as a result of a sudden and unforeseen impact on it due to the reasons specified in clause 1. of these Conditions.

3. In accordance with these Conditions, the following may be insured: any machines, devices, various mechanical equipment and installations of the Insured of a separate enterprise (production), a closed production area:

a. power generation machines (steam boilers, turbines, generators, engines, etc.);

b. machines and installations for the distribution and transmission of energy (transformers, high-voltage panels, switches, power lines, etc.);

c. working and auxiliary machines (various machine tools, pumps, compressors, paper machines, etc.).

4. Cars are accepted for insurance provided that they are ready for operation, are in the required technical condition and have been in due course trial tests, control tests, etc.

5. All types of replaceable equipment, tools and means of production are not subject to insurance:

a. cables, chains, belts, tapes, sieves, pattern forming shafts;

b. objects made of glass, ceramics, wood, rubber tires;

c. matrices, molds, dies, clichés, crushing hammers;

d. fuels and lubricants, coolants, catalysts, other chemicals and other auxiliary materials;

e. other items (parts) that, due to their operation and / or the nature of the material, are subject to wear and tear to a high degree, or are subject to periodic replacement, or whose service life is significantly lower than the service life of the machine (equipment).

6. The objects of insurance in accordance with these Conditions are not:

a. Computer technology, peripheral and network equipment;

b. Devices for communication and information transfer;

c. Medical devices using ionizing radiation and electronic medical devices;

d. Electronic measuring instruments;

Property Insurance Rules (“All Risks”)

e. Specialized equipment for film and television studios, film copying factories and cinema networks, office machines, copying equipment, electron microscopes, radar stations, antenna devices, etc.

7. The following are not recognized as insured events and are not covered by these Conditions:

a. destruction or damage to machines from the direct constant impact of operational factors (corrosion, erosion, scale, cavitation, rust, etc.), however, if as a result of wear of a part of the machine other machines or parts were damaged, then such an event is recognized as an accident and covered by insurance;

b. losses for which the supplier, repair manufacturer is liable under the law or by virtue of the contract (warranty obligations);

c. losses as a result of errors and deficiencies that existed at the time of conclusion of the insurance contract and which were known to the Policyholder or his representative;

d. losses as a result of intentional actions and gross negligence of the Insured or his representatives (responsible managers of the enterprise);

e. measures taken to prevent or reduce losses not covered by these Insurance Rules;

f. losses caused as a result of assembly and disassembly not related to repair, technical inspection or routine maintenance, as well as with the participation of the insured machines in experiments and tests;

g. losses as a result of operation in modes or under conditions that do not comply with the manufacturer's (supplier's, developer's) operating instructions;

h. other losses provided for in clause 3.4. and 3.5. Rules.

8. The equipment is considered insured during the specified period, regardless of whether they were in operation, repair, inspection, testing, storage, during transportation within the enterprise.

9. However, the Policyholder is obliged to notify the Insurer of any changes in the operation of the insured property and, in the event of an increase in the risk of insurance, at the request of the Insurer, pay additional payment insurance premium.

10. Equipment is considered to be insured only in the territory specified in the Insurance Contract (territory of insurance). If the insured equipment is moved to another territory, the Insurance Contract shall not apply to the moved equipment, unless otherwise provided by the insurance contract.

11. In the event of repairable damage, the Insurer shall indemnify for the costs that had to be incurred to bring the damaged object of insurance into the working condition in which it was prior to the occurrence of the insured event, minus depreciation. These costs include the costs of dismantling and reassembly, the usual costs of transportation to and from the repair shop, possible customs duties and fees, provided that these costs have been taken into account in the amount of the sum insured.

12. If the repair is carried out by the Insured, then the costs for the purchase of materials and parts, wages, including overhead costs agreed with the Insurer, are reimbursed.

13. Under the Additional Conditions, the Insurer shall not indemnify:

expenses for the elimination of functional defects, except when the expenses are included in the general loss caused by an insured event (in this case they are subject to compensation on a general basis):

b. costs of maintenance and current repair of insurance items, including the cost of individual parts to be replaced;

c. loss of presentation (scratches or minor dents on polished or enameled surfaces, etc.);

d. loss in the amount of deductible established for each insured event and each item, in accordance with the terms of the Insurance Policy;

e. losses from damage to insured machines and mechanisms from causes not related to insured events.

14. In addition to other obligations stipulated by the Rules, in terms of these Additional Conditions, the Insured is also obliged to ensure the operation of machines, their maintenance, repair and periodic examination in accordance with the requirements of the rules and operating conditions, and for machines that are objects of the Federal Mining and Industrial Supervision Russia, also in accordance with its governing documents.

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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.