VTB Insurance. Hi, neighbor! VTB Insurance Activate hello neighbor VTB insurance

Housing is a person's greatest wealth. However, the apartment can be threatened by many factors: fire, misconduct neighbors, burglary and others. To protect your property, you can insure it. In this article we will look at the insurance programs that VTB offers to its clients.

How to protect your home profitably?

Repairing an apartment or house is very expensive, and the risk of losing your home is high. The likelihood of property destruction increases if, for example, it is rented. Due to this the best option The owner of his apartment is protected by insurance. It should be remembered that not only the health of citizens is subject to insurance (for example, in the case of cancer and other critical illnesses), but also property individuals. In accordance with federal legislation property is insured only through contracts with private organizations.

Apartment insurance programs from VTB

VTB offers several types of property insurance programs.

However, the “Hello, Neighbor” Program is the most universal and eliminates all risks of damage due to loss or damage to housing.

Real estate and property insurance program “Hello, neighbor!”

“Hello, neighbor” from VTB insures a citizen’s house or apartment. Objects of insurance include:

• full infrastructure;
• home decoration;
• new household appliances;
• any movable property located inside a house or apartment (for example, furniture and bed linen);
• civil liability of the insured person, which occurs if damage is caused to other persons due to the fault of the policy owner.

The following event is considered an insured event:

• flooding;
• catastrophe or other natural disaster;
• theft, arson, robbery or other actions causing harm by other persons;
• act of terrorism;
• breakdown of electronic equipment and others.

If an insured event occurs via “Hello, neighbor” from VTB, the client must call a special telephone number and report the incident. After this, you must act in accordance with the instructions of VTB employees.

Activation of the “Hello Neighbor” policy

It is worth remembering that purchasing “Hello, Neighbor” from VTB does not mean that your property is insured. You must activate your policy. This must be done within 30 days after purchasing the policy.

You can buy insurance not only for yourself, but also as a gift to any other person.

To activate “Hello Neighbor” from VTB you need:

1. Go to the official VTB website (vtbins.ru) in the “Individuals” section.
2. In the “Property” tab, select “Hello, neighbor.”
3. Find the line “Activate policy”.

• information about the insurance policy: its number, activation code, expiration date;
• information about the insured person (last name, first name, patronymic, date of birth, gender);
• email to which the activation code will be sent;
• contact telephone number and place of residence of the policyholder.

After activating the policy, your property will be insured under the “Hello, Neighbor!” program.

Required documents

A special feature of insurance under this program is that practically no documents are needed to conclude a contract.

The client must provide only an identification document and a certificate of ownership of the property. You don’t even need to do real estate appraisals using the “Hello, Neighbor” program.

Tariffs for services

Depending on the volume of property insured, payments and the final insurance premium, the tariffs of the “Hello, Neighbor” program vary.

Standard - an economical option for property protection

This tariff is the cheapest. When advancing insured event the client will receive one hundred thousand rubles in compensation for paying for repairs and repairs of communications, as well as for compensation for damage in case of breakdown of furniture and electrical appliances.

Comfort – classic level

This program implies the same range of insurance, but the amount of compensation increases to 200 thousand. In addition, for subscribers who choose this type, damages in the event of flooding of the apartment will be compensated.

Premium – maximum protection

This is the most expensive version of the “Hello, Neighbor!” program, but with its help an individual receives the maximum degree of protection: a compensation amount of 200 thousand, and VTB also compensates for the cost of hotel accommodation in the event of a complete loss of housing.

How to calculate the cost?

The price of insurance consists of the following factors:

• filling out the insurance itself;
• property size;
• contract time.

The exact cost calculation will be known in each specific case.

Algorithm for online purchasing

Policy “Hello, neighbor!” You can buy both on the official VTB website and from intermediaries.

However, the easiest purchase option would be to issue a policy on the VTB website. To do this, you need to go there, select the “Property” tab, then “Apartment Insurance”. After this, the system will prompt you to enter housing data:

• total area of ​​the property;
• location of the apartment;
• package of services;
• additional service if necessary.

Then the program calculates the final amount insurance policy by “Hello, neighbor” from VTB. Next, you need to enter specific information about the property and its owner, and indicate the insurance period. All this information will be included in the policy.

After this, you can pay for the policy with a card, and the “Hello, Neighbor” insurance contract from VTB will become concluded.

Difficulties in concluding a contract and ways to solve them

In accordance with insurance rules, the owner of the “Hello, Neighbor” program must be an adult.

But what to do in a situation where the apartment belongs, for example, to a 12-year-old citizen? In this case, the policyholder should not be the child himself, but his legal representative (usually one of the parents).

If you need protection from random troubles, then the most optimal choice- this is the “Hello, neighbor!” policy. VTB Insurance. This product offers coverage for the most common risks and is relatively inexpensive. The main advantage of the policy is that it doesn’t take much time to register; you just need to come and purchase it like a product in a store.

Product features from VTB Insurance

The insurance program “Hello, Neighbor!”, which is implemented by VTB Insurance, is positioned as a convenient and quick solution if insurance against basic risks is needed. To purchase this policy, there is no property appraisal and no documents are required from the buyer. At most, they can ask for a passport to make sure that the purchaser of the policy is a citizen of Russia.

You can take out insurance for yourself or gift it to someone. The main thing is to activate the “Hello, neighbor!” policy. VTB Insurance on the official website of the company and indicate the information of the beneficiary.

When purchasing a policy, the client will receive a contract, a special code and a brochure that explains the features of the “Hello, Neighbor!” insurance. VTB, including how to receive payment and in what cases.

This policy is convenient because the client does not need to choose insurance risks, overpay for unnecessary options, delve into complex legal formulations. The product already includes a basic set of options that suit most bank clients.

The video explains in detail the circumstances in which property insurance can be useful and even necessary

Risks of damage to housing - apartment or house

According to the rules of "Hello, neighbor!" VTB Insurance provides insurance protection for the following objects:

• interior decoration of the house;
• infrastructure elements;
• Appliances;
• textile products, furniture and any movable property;
• civil liability (for example, if the policy owner accidentally flooded the downstairs occupants and now has to pay for their repairs).

As you can see, the risks are very real and quite common. The policy can insure a room or apartment, a private house or a dacha is not allowed. The most commonly used policy is “Hello, neighbor!” VTB 24 for apartment insurance. Protection is initiated when the following events occur:

• fire, explosion, including gas;
• flooding or other exposure to liquid;
• natural or man-made disaster;
• robbery, theft, deliberate arson and others illegal actions from third parties;
• falling objects and other impacts.

Cost of the “Hello, Neighbor!” policy

The client himself can choose what the cost of the “Hello, Neighbor!” policy will be. VTB Insurance. There are three options to choose from, including the same risks, but differing in the insured amount (these are exactly the funds that the policy owner will receive upon the occurrence of stipulated by the contract events).

Thus, the higher the initial cost of the policy, the more insurance premium. Since property under the VTB 24 Insurance program “Hello, neighbor!” there is no need to evaluate, then the client does not bear additional costs. If he has a lot of expensive property, it is better to buy more expensive insurance. Otherwise, the insurance payment will not cover potential expenses.

How to purchase a policy

VTB 24, Post Bank and partners

Purchasing the product “Hello, Neighbor!” VTB Insurance is available at several retail outlets and banking institutions at once:

• in the office of the insurance company;
• in all banks of the VTB network: VTB 24, Bank of Moscow, Post Bank;
• in partner banks: Raiffeisenbank and Sovcombank;
• in communication stores "Euroset", "MTS", "Beeline", "Rostelecom";
• in shops household appliances and electronics “Know-how!”, “Eldorado” (when purchasing any product, managers, as a rule, offer to purchase an additional policy - this can be useful, especially if the equipment is purchased on credit).

It is also possible to purchase a “Hello, neighbor!” policy. VTB Insurance at Russian Post and some other company partners. The only thing you can’t do is buy a policy online. You must get a special code at points of sale and activate “Hello, neighbor!” VTB Insurance for official bank companies.

Requirements, rules and reviews

As already noted, special requirements no to the buyer. However, there are restrictions on the identity of the insured person and on the property. Thus, the user must be an adult citizen of Russia, and the insured property must be within the cost limits.

Judging by the reviews of VTB Insurance “Hello, neighbor!” There are no particular difficulties with obtaining a policy, as well as with receiving insurance payments.

However, owners of an insurance product sometimes have a question about how to return the “Hello, Neighbor!” policy. VTB Insurance. Unfortunately, this cannot be done, since the policy is a finished product for one-time use. After activating the code, the agreement between the client and the insurance company comes into force, and it is no longer possible to terminate the contract by receiving the paid premium back.

Subsequently, if the insurance needs to be renewed, you need to buy a new policy.

Activation of insurance

But it’s not enough to buy a policy; you need to “launch” it. Not everyone knows how to activate “Hello, neighbor!” VTB Insurance. This is done on the official website of the insurer, namely on this page: https://www.vtbins.ru/individual/property/privet/activateprivet/

The policy owner must indicate:

• policy number;
• activation code;
• validity period of the policy (all this data can be found in the contract);
• information about yourself;
• email address and phone number;
• address of the apartment or room that will be insured.

You must indicate a real e-mail, as they will receive:

• link to activate your personal account;
• the policy itself, which can be printed or saved electronically.

A month after activation, the policy will become valid. Insurance protection valid for 1 year.

After VTB Insurance “Hello, Neighbor!” is activated, a month of “waiting” begins, during which the policy will not be valid. This is done specifically to prevent insurance abuse.

conclusions

Thus, the “Hello, neighbor!” policy VTB Insurance is a very convenient tool for those who need affordable and simple protection of property and personal liability. Insurance payments According to the policy, they are fixed, but their size is sufficient for the needs of the average client. You can choose a product that suits your price. However, the purchase itself does not provide any protection, since the policy must be activated on the official website of the insurance company. After a month of “waiting”, the agreement will come into full force.

VTB insurance: apartment insurance, types and maximum amounts of payments:

Compensation for damage from temporary accommodation in a hotel, repair of infrastructure damaged by temperature changes and other additional cases, provided for by tariffs, are assessed separately. But for each case it will not be possible to reimburse more than 200,000 rubles.

REFERENCE. The user himself has the opportunity to choose his own tariff on the bank’s website. You can choose which objects are insured and for what amount, as well as insure bearing structures Houses. Thus, you will receive compensation even if the house completely collapses.

The cost of insuring an apartment at VTB 24 depends on the square footage and the chosen tariff. Minimum amount according to the “standard” tariff it is 1012 rubles per month. For “comfort” you will have to pay at least 1128 rubles per month. “Comfort” is the most expensive tariff; they charge 2,853 rubles per month.

What documents are needed?

IN VTB insurance apartments are prepared in a standard manner, to conclude an agreement with the bank you need to bring them to the office:

1. The original of your passport.
2. Report on the price examination of the property that is insured.
3. Documents confirming ownership of the apartment.

At the VTB Bank office you will also be given a template form, which you will need to fill out as an application for insurance.

"Hello Neighbor" program

This VTB program 24 for apartment insurance “Hello, Neighbor” was launched by VTB 24 with the aim of popularizing and simplifying the property insurance procedure. Its advantage is that in order to obtain apartment insurance from VTB 24, you do not need to spend hours in the bank office, contact property appraisers and look for a certificate of ownership of the apartment.

To obtain insurance under the program, you simply need to purchase a policy and then activate it on the official VTB 24 website: https://www.vtbins.ru/individual/property/privet/activateprivet/. To buy a policy, you do not need to present documents. Personal data is entered directly into the form on the website.

REFERENCE. You can buy a policy not only at VTB branches, but also at branches of MTS, Euroset, and also at Russian Post offices.

In what cases is damage compensated?

Program participants who have activated the policy are compensated for damages for the same insured events as for those who went through the standard procedure for concluding an insurance contract.

Money is reimbursed if the apartment was damaged by fire. In this case, the costs of cosmetic repairs, as well as the purchase of damaged furniture, are compensated.

If the infrastructure is damaged, the costs of its restoration are also reimbursed. Compensate for losses associated with robbery or theft. A terrorist attack is also considered an insured event.

Cases of flooding of an apartment or house are also registered as insurance.

The company will refuse to provide insurance compensation, if the client damaged property while intoxicated. And he will even sue the client if he tries to fake an insured event.

They do not compensate for damages in case of accidents caused by improper use of dangerous equipment. It is impossible to receive compensation for property seized by bailiffs.

How much does the policy cost and how to purchase it?

A policy for apartment insurance under the “Hello, Neighbor” program can be purchased at different prices, depending on the maximum amount of compensation. For a minimum package of services, including insurance of the apartment and movable property inside, you will have to pay 549 rubles.

For insurance on maximum amount in 500 thousand rubles you will have to pay 1599 rubles. A comprehensive package of services will cost 3,900 rubles, it provides insurance up to 800 thousand rubles.

To purchase a policy, just contact any VTB office. When purchasing a policy, you automatically pay a one-time fee under an agreement with the bank.

But not only VTB sells these policies, they can be purchased at the offices of the following organizations:

The procedure for purchasing a policy in different institutions will not differ.

ATTENTION. If you decide not to activate your policy, you only have one month to refund your purchase. The policy can be activated 3 months after purchase.

Requirements and rules

The program is subject to the same rules as other insurance products jar. At the same time, purchasing a policy is very simple.

To do this, you do not need to write an application or collect documents.. Anyone can purchase a policy, which will contain the data necessary for activation; the bank does not make any requirements here.

Concerning general rules insurance, the policyholder is obliged to immediately inform the insurer about the incident and must not deliberately arrange accidents.

The picture that appears to bank employees when assessing the damage should be the same as in the first hours after the incident. Nothing can be changed at the scene of the incident unless the current situation threatens the life and health of people.

The client has the right to challenge the result of the bank’s examination and enter into a legal dispute with it.

If the client was previously compensated for losses associated with the theft of his property from the apartment, and then the police returned this property back intact, the client is obliged to return the amount paid to the bank. The bank has the right to verify the reliability of the testimony of its clients, even if this means inspecting their property.

Conclusion

Why is apartment insurance at VTB beneficial for clients?

The bank has several insurance programs designed for buyers of different incomes. We remind you that you can clarify all the necessary information on VTB apartment insurance on the bank’s official website.

They compensate for damage related to damage to the home’s infrastructure, cosmetic repairs and movable property. It is not necessary to conclude an agreement; VTB has a “Hello, Neighbor” program, through which you can activate your policy via the Internet.

If you are worried about your home and want to protect yourself from accidents, then the “Hello, Neighbor!” program will help you with this. from VTB Insurance. Now we will learn more about this service from VTB Bank.

Why is insurance necessary?

Insurance is a service that provides its client with certain payments in the event of an insured event prescribed by the contract. Insurance is often used by people taking out a mortgage, consumer loan, buying cars or new expensive equipment. Insurance is paid one-time or regularly in certain amounts.

The cost of insurance is determined individually depending on the set (items included in it) for which insurance is provided.

"Hi, neighbor!" from VTB Insurance is a service that will help you insure your property against accidents. If this happens, all costs for damages will be borne by Insurance Company.

It’s very easy to purchase a policy, since you don’t need a large number of papers It comes into force only after activation, and therefore, if you have not yet decided to use the policy for yourself personally, you can wait until activation and transfer the insurance to another person.

Insurance program “Hello, neighbor!” from VTB Insurance is in great demand among Russian citizens. This is due to the relatively low price of insurance, but large payments provided by VTB Bank.

What can you insure?

About the program “Hello, neighbor!” You can insure your home:

• An apartment in any building.
• A room in an apartment, if you own it entirely.

On country cottage area or private house similar insurance does not apply. Not only the apartment itself, but also the items located in it are subject to insurance:

• Interior decoration of the house.
• Newly purchased equipment.
• Various pieces of furniture and textiles for the apartment.
• Infrastructure elements.

Also, VTB insurance under the “Hello, Neighbor!” program also applies to cases where the insurance owner has caused damage to your neighbors(flooded the apartment, unintentionally started a fire).

In such circumstances, VTB pays off the debt to neighbors personally, and the insurance owner does not pay for restoration of the damage caused.

Video:

Policy validity

Insurance policy “Hello, neighbor!” valid in certain circumstances and does not apply to other, not specified cases. Insurance payment will be made if:

1. The fire occurred through no fault of the owner.
2. There was an explosion.
3. The apartment was flooded.
4. The influence of a natural disaster (tsunami, tornado, earthquake) or man-made disaster had an impact.
5. Property was damaged by third parties (arson, theft, vandalism).
6. Lightning strike.
7. Fall of an object from outside (comet, asteroid, tree).

In other cases, insurance from VTB does not apply. You can always find out the insurance conditions from a bank employee or on the official website. Information about insurance is publicly available and a person can always decide whether it is beneficial to him or not.

Policy cost

"Hi, neighbor!" from VTB Insurance has three policy options. The risks and cases of insurance payment are the same, but the amount of compensation and the purchase amount will be different. Therefore, when choosing an insurance policy, you should evaluate the value of your property and understand which of the offered insurance will be able to cover the costs in the event of an insured event.

The property provided for insurance is not valued by the company, and therefore the policy owner will not bear additional expenses when registering it.

The more expensive the pole is purchased, the greater the compensation will be paid in each specific case.

Purchasing a “Hello, Neighbor!” policy

You can buy a policy in several different options and the person chooses the most convenient one for himself:

• In any of the VTB branches - VTB 24, Russian Post, Bank of Moscow.
• In the office of the insurance agency from VTB.
• In Sovcombank, which is.
• In communication stores of Rostelecom, Beeline, Euroset.
• In Eldorado and Know-How stores, which offer insurance directly at the time of purchase of equipment, especially when taking out a loan.

Buy an insurance policy “Hello, neighbor!” online is not possible. So you will have to visit any of the above organizations.

When purchasing a policy, the buyer is not required to provide a special package of documents; the only thing that is needed is a passport confirming the buyer’s Russian citizenship.

The buyer must also be an adult, and then there will be no problems purchasing the policy.

How to activate?

Insurance “Hello, neighbor!” does not take effect immediately after purchase, you must first activate the policy. The policy is activated via the link https://www.vtbins.ru/ - this is the official website of VTB Insurance.

To activate the policy, you need to complete the following steps:

1. Go to the “Individuals” section.
2. In the “Property” column, find “Hello, neighbor!”
3. Having opened “Hello, neighbor!”, find the “Activate policy” section and go to it.

• Policy information: number, activation code and policy validity period.
• Information about the buyer: full name, date of birth and gender.
• Address Email, to which activation confirmation will be sent, so you need to indicate a working email.
• Buyer's contact phone number.
• Full address of the insured property.

After the policy is activated, a moment of “waiting” begins, which lasts 1 month. At this time the insurance is not active. After a month, the insurance comes into force and lasts one year.

If insurance is not needed and the policy has already been activated, you will not be able to return your money and return the policy. Therefore, you should think carefully before purchasing it.

Program "Hello, neighbor!" helps protect housing property and its components from the influence of extraneous factors beyond the control of the apartment owner. Insurance payments are often very large and fully cover the damage caused, and therefore having a policy will allow you not to worry about your property; in case of problems, the VTB insurance company will take care of everything.