Sun property insurance. Insurance

So also insure civil liability to third parties. The coverage is determined by the contract, in which all points of cooperation between the client and the insurer should be listed in detail.

Features of the upcoming cooperation with an insurance company

The contract is always concluded between an insurance company licensed to provide certain services and an insured, a citizen who is interested in guaranteeing protection.

Before signing the contract, it is recommended to carefully read the current offers of the insurers. If required, this item must be initially indicated in the current program. Before starting cooperation, you should be guided by the insurance rules and current rates. In most cases, apartment and third party liability insurance is more expensive, but you can count on the benefits.

What does civil liability insurance cover?

Living in an apartment building involves an increased risk not only for one apartment, but also for neighbors. Vacations are considered particularly dangerous. In addition, situations when an apartment is rented out and there is no possibility of full control over its condition lead to the emergence of undesirable situations.

Citizens of Russia have the right to draw up a property insurance contract, focusing on article 929 of the Civil Code of the Russian Federation. It is assumed that the life and health of neighbors, as well as their property, can be protected. The highest costs are noted if the program with the maximum coverage is selected.

In most cases, civil liability involves the protection of neighbors' apartments from situations that have a direct connection with the insured's home. Such circumstances include its extinguishing, sewer accidents, gas explosion, collapse of structural elements of a residential building, any mechanical damage. In the contract, it is imperative to list all situations that pose an increased risk to neighbors.

Features of the concluded contract

When concluding a contract with an insurance organization, you should carefully study the terms of the proposed cooperation. The main goal is not the desire for excessive savings, but the opportunity to take advantage of the maximum level of protection:

• Insurable interest. A specialized company allows you to protect not only property, but also the life and health of neighbors. By choosing a program that protects the health of your neighbors, you can count on successful prevention of any potential conflicts.
• The contract should clearly indicate the nature of the insured event. Otherwise, the provision of financial assistance becomes impossible. An insurance circumstance is the emergence of a citizen's liability to his neighbors after a gulf, fire, gas explosion. In rare cases, additional risks are considered, which should also be recorded in the document.
• The amount of the sum insured. Financial support provides for the possibility of obtaining only a certain compensation, which is determined by the terms of the contract. At the same time, the relationship with the approved schedule of payments is noted, which must be strictly observed in order to maintain the legal force of the contract.
• Contract time. The signed agreement can be valid for several months or years.
• The procedure for resolving financial issues. The contract determines the amount of the insurance premium, stages and terms of payment. The policyholder must make certain payments to a specialized organization. In this case, the insurer, upon the occurrence of the agreed circumstance, must take care of the timely provision of financial assistance to its client.
• Franchise size. In many situations, a portion of the damage is determined that is not reimbursed under the insurance contract. The client of the insurance organization takes into account his financial capabilities when determining the size of the franchise, with the help of which you can initially save money when applying for a policy.

All the criteria for the upcoming cooperation must be clearly spelled out in the contract. Any verbal agreement is not legally binding, so they cannot be considered when the two parties interact.

Overview of offers from VSK

One of the most famous insurance companies in Russia, offers its clients various programs for subsequent selection. By carefully studying the terms of various products, you can understand how profitable the insurance of civil liability and an apartment in VSK will be.

Apartment insurance

One of the most lucrative programs can be fast-tracked, so it's ideal even for busy people. It is assumed that there is no need to inspect residential property and additional actions, and a ready-made valid policy is allowed to be received by the specified e-mail. The fulfillment of the basic conditions allows you to count on insurance against accidents with the subsequent potential payment to neighbors of up to one million rubles.

Taking pictures

For Russians who rent a house on a long-term basis, a special offer is offered. Protection extends to liability to neighbors. Thus, risks are completely eliminated and you can be sure of a successful search for a way out of any situation.

Rent

This program allows you to insure housing that is offered for rent. The main difference from the "Rent" product is cooperation with homeowners, and not with citizens who rent an apartment. Coverage can cover decoration materials, household appliances, household property, engineering equipment, and civil liability. One of the main advantages is the proposed option, which allows you to resolve a conflict issue without additional information. However, the "settlement without inquiries" option is available only for damage up to ten thousand rubles.

Maximum protection

Choosing the "Maximum Protection" program, you can count on a wide insurance coverage. Due to favorable conditions, it is possible to exclude any property risks. Moreover, financial assistance is provided even for professional cleaning up after an emergency and payment of temporarily rented housing.

Civil liability insurance with the help of a specialized organization (for example, VSK) allows you to protect the existing risks. To protect the interests of third parties, you should choose a suitable program and draw up a contract correctly.

The insurance joint-stock company "VSK" has been operating since 1992. Property insurance programs offered by the company allow you to reliably protect real estate and receive compensation in the event of fire, explosion, flooding, theft and other unforeseen incidents.

Benefits of property insurance in "VSK"

At the end of 2015, the company took 4th place among Russian insurance organizations in the segment of property insurance, having collected 2,533,471 thousand rubles. premiums and paying 385,780 thousand rubles. for insured events.

The authorized capital of VSK IJSC is 3.65 billion rubles, and the company's reliability rating is assessed by the Expert RA agency as exceptionally high A ++ with a stable outlook. The insurance obligations of the company in terms of making payments are guaranteed by the largest reinsurance organizations, including Swiss Re, Hannover Re, Gen Re, Munich Re, SCOR. More than 14 million individuals and 200 thousand legal entities use the services of the VSK insurance company.

Types of property insurance programs

IC "VSK" offers a wide range of real estate insurance programs that differ in terms of insurance and the amount of insurance coverage.

"Classic building insurance"

Basic suburban real estate insurance program, which guarantees compensation for losses associated with the occurrence of the following insured events:

• fire, explosion;
• flooding;
• accidents in heating systems, water supply, etc .;
• natural disasters;
• glass breakage;
• collision of vehicles;
• falling of aircraft and their fragments;
• subsidence of soil;
• defrosting of engineering systems;
• causing harm to life, health or property of third parties.

The following objects are subject to insurance under this program:

• House;
• interior and exterior decoration;
• engineering equipment;
• home property;
• Civil responsibility.

The client individually forms an insurance program for himself, choosing the necessary objects of insurance, a list of insured risks and the amount of insurance compensation.

"Successful"

This insurance package is intended for insuring suburban real estate worth up to 1 million rubles. All insurance conditions are listed in the classic program.

"Lucky plus"

An insurance product designed to insure suburban real estate worth up to 3 million rubles. The insurance conditions are identical to those of the classic program.

"Maximum protection"

A comprehensive apartment insurance program that guarantees coverage of expenses related to insurance risks such as:

• fire, explosion;
• exposure to water;
• failures of engineering systems;
• natural disasters;
• illegal actions of third parties;
• short circuit of electrical wiring;
• collision of vehicles;
• terrorism.

The following objects can be insured under this program:

• interior and exterior decoration;
• engineering equipment;
• home property;
• civil liability.

"Full construction"

This program is designed to quickly insure an apartment in a standard package. Insurance conditions completely duplicate the conditions of the previous program, except that the list of insured objects does not contain structural elements of the apartment.

"At the time of rest"

Short-term vacation apartment insurance program (from 1 to 9 months). The program provides for insurance of the following objects:

• interior and exterior decoration of the apartment;
• engineering equipment;
• household property;
• civil liability.

The insured risks of the program include:

• fire, explosion;
• exposure to water;
• failures of engineering systems;
• natural disasters;
• falling of foreign objects;
• illegal actions of third parties (including terrorism);
• collision of vehicles;
• civil responsibility to neighbors.

"For rent"

This program is designed to insure rented apartments and guarantees compensation for losses associated with such insurance risks as:

• fire, explosion;
• natural disasters;
• flooding;
• failures of engineering systems;
• falling of foreign objects;
• collision of vehicles;
• illegal actions of third parties;
• causing damage to the property of third parties.

In accordance with the terms of the program, the following objects are subject to insurance:

• interior and exterior decoration of the apartment;
• engineering equipment;
• home property;
• Civil responsibility.

"Taking pictures"

The program is designed to insure household property and liability to neighbors in case of living in a rented apartment. The insured risks include the risks listed in the "Rent" program.

"Investment apartment"

This program is designed for clients expecting a rise in prices in the real estate market in order to sell an apartment at a higher price. The set of covered insurance risks corresponds to the list of risks of the Maximum Protection program. The following objects are subject to insurance under the program:

• structural elements of the apartment;
• Civil responsibility.

Property insurance programs cost

The table shows approximate data on the cost of property insurance in VSK IJSC as of the beginning of 2017.

• Property insurance reviews:11 (2 /9 )
• People's rating of property insurance:
• Company reliability rating:A ++

2017-07-30

Grade: 5

2015-11-02

Grade: 1

Since 2019:

The insured value of the dwelling is equal to the product of 42 thousand rubles. (insured value of 1 sq. m.) for the total area of ​​the insured dwelling.

The insurance premium (annual payment for insurance) is equal to the product of 22 rubles 44 kopecks. (insurance premium for 1 sq. m.) for the total area of ​​the dwelling, i.e. the rate of the monthly insurance premium is RUB 1. 87 kopecks

Voluntary home insurance is carried out in accordance with Article 24 of the Law of the City of Moscow dated January 27, 2010 No. 2 "Fundamentals of the Housing Policy of the City of Moscow" and the Regulations on the system of insurance of residential premises, approved by the Decree of the Moscow Government dated 01.10.2002 No. 821-PP "On measures for further development of the insurance system in the housing sector of the city of Moscow ”(as amended on December 1, 2017).

By the insured of the dwelling may act as an employer or an owner.

Not subject to insurance on the terms of the system, residential premises recognized in the prescribed manner as unsuitable for living or located in apartment buildings recognized in the prescribed manner as emergency.

Participating Insurers, selected by the results of an open competition.

WITH 01.01.2018 to 31.12.2020 insurance organizations participate in the insurance system in the housing sector of the city of Moscow:

· SPAO "Ingosstrakh" (Central, Vostochny)

· LLC "SK" Soglasie "(North-East, Zelenogradsky, TyNAO)

SAO "VSK" (South-West, North-West)

AlfaStrakhovanie JSC (Western, Northern)

· IC VTB Insurance LLC (South-East, South)

Obligations of the Moscow Government under residential insurance contracts:

· In the event of damage to residential premises, the Moscow Government is responsible for paying the insured part of the indemnified damage in addition to the insurance indemnity of the insurance company. Payment from the budget of the Government of Moscow is processed by the State Budgetary Institution of the City of Moscow "City Center for Property Payments and Housing Insurance" (GBU "Center for Property Payments and Housing Insurance");

· When a dwelling is destroyed, the citizens registered in it at the place of residence, the Moscow Government guarantees the provision of housing in accordance with the norms in force in the city for providing in return for the insured dwelling destroyed as a result of an insured event.

Conclusion of an insurance contract under the terms of the residential property insurance system, it is carried out in two ways:

1. A bearer insurance contract concluded with the use of payment documents for payment of housing and communal services or according to special receipts from insurance organizations.

Since 1999, a simplified procedure for concluding an insurance contract has been in effect.

Each apartment subject to insurance is supplied with a Certificate of insurance of a residential premises in the city of Moscow, which is an offer, i.e. an offer to conclude an insurance contract on certain conditions.

From the first day of the month following the date of payment of the first insurance premium, the Certificate is recognized as an effective insurance contract.

This form of concluding an agreement corresponds to the current legislation (Articles 160, 161, 432-444, 930 Part 3, 940 of the Civil Code of the Russian Federation).

The monthly insurance premium must be at least 1/12 of the amount of the insurance premium. Payment of the next installment is made before the 1st day of the month corresponding to the beginning of the unpaid insurance period.

An insurance certificate and a document confirming the fact of payment of the insurance premium are submitted by the insured to the insurance organization when drawing up compensation for losses in the event of damage or destruction of the insured dwelling.

Insurance risks:

· Fire (exposure to flame, smoke, high temperature in case of fire), including those that have arisen outside the insured dwelling, taking legal action to eliminate it;

· Explosion for any reason (excluding a terrorist act), including outside the insured dwelling;

· Accidents of heating systems, water supply systems, sewerage systems, as well as internal drains (including the places where the water intake funnels meet the roof), including those that occurred outside the insured dwelling, and lawful actions to eliminate it;

· Strong wind (over 20 m / sec), hurricane, tornado, squall and accompanying atmospheric precipitation.

Duration of the insurance contract- 1 year from the date of entry into force of the contract.

2 . Conclusion of an individual insurance contract the dwelling is made directly by the insurance company. An insurance policy is issued for a period of 1 year, indicating the full name and surname. the insured.

First option. The insurance premium is equal to the product of 22 rubles. 44 kopecks on the total area of ​​the dwelling per year. The rest of the terms of the contract are identical to those in force when insuring apartments with the use of payment documents for payment of housing and communal services. The insurer's liability is 85%. Responsibility of the Moscow Government - 15%.

Second option. The insurance premium is equal to the product of 37 rubles. 68 kopecks on the total area of ​​the dwelling per year. Insurable value of 1 sq. m increased to 63 thousand rubles. The liability of the insurance organization has increased from 80% to 95%.

Provides a higher level of payments for insured events.

Home insurance is the most widespread type of voluntary insurance in the city: More than 2 million apartments have been insured under the terms of the system.

In most cases, for the conclusion of contracts, the mechanism of payment of insurance premiums on payment documents for payment of housing and communal services was used (> 80% of contracts).

Since the beginning of 2018, within the framework of the City Home Insurance Program, conducted by the State Budgetary Institution "Center for Property Payments and Housing Insurance", more than 5 thousand Moscow families have received payments for insured events in the total amount of 182 million rubles.

The largest number of payments under the insurance program in 2018 was made in the Eastern Administrative District (831 insured events). The total amount of insurance payments in the district amounted to 32.5 million rubles.

On average, the cost of apartment insurance for Muscovites amounted to 92 rubles. per month.

No wonder they say "I would know where I will fall, I would spread straws." The role of this "straw" is just the familiar insurance that helps to reduce financial expenses in the event of an accident.

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Recently, in addition to the vehicle, citizens began to actively use other products of insurance companies, namely property.

About company

The Military Insurance Company (VSK) has been operating since February 11, 1992. The insurer currently occupies a leading position in the insurance market in Russia. In 2020, the company celebrated its 25th anniversary.

It should be noted that the high performance of the company was marked by the President's gratitude in Russia in 2002, 2007 and 2020. Also, the company has twice become a laureate of the National Competition "Company of the Year".

Today the insurance company is ready to offer its clients more than 100 attractive insurance products.

The most popular types of insurance are:

• vehicle;
• life and health;
• property;
• travel protection.

Today the company "VSK" is:

• about 400 offices throughout Russia;
• 3,650 million of authorized capital;
• 23.3 billion - payments per year;
• 37.10 billion - reserves;
• established and regulated system of risk reinsurance over the years.

More than 14 million individuals have entrusted their protection to the VSK insurance company. As for corporate clients, more than 125,000 enterprises have chosen the company as a reliable partner who can be trusted with the most valuable thing - the company.

Real estate insurance rules in VSK

Real estate is one of the types of civil rights object, which includes: land plots, buildings and structures, residential and commercial real estate.

According to the rules of property insurance in VSK, the company can provide protection for the property of both individuals and organizations.

Before purchasing insurance coverage, you will need to carefully study the insurance rules. You can get the rules both at the office of the insurance company and download them from the official website of the insurer.

When studying, special attention should be paid to such points as:

• what insurance risks does the insurance contract include;
• franchise by agreement;
• payment of insurance compensation;
• the procedure for paying the insurance premium.

If necessary, you will need to ask clarifying questions to a specialist of the company and only after everything is clear, proceed to the registration of insurance coverage.

How to arrange

To issue a property insurance policy at VSK is not as difficult as it might seem at first glance. It should be borne in mind that the procedure for drawing up a contract consists of several stages.

Registration procedure:

1. Getting a consultation

The first thing that each client needs to do is to personally visit the office of the insurance company and get detailed information about the required type of insurance. Don't be afraid to ask for rules and ask the same questions several times if the answers are not clear to you.

At this stage, everyone should clarify what documents will need to be provided to the representative of the insurance company.

1. Filling out an application and providing documents

As soon as the full package of documents is prepared, you will need to fill out an application form. In the application, you should specify in detail not only the name of the property that is subject to insurance, but also in what condition it is.

Be prepared to indicate:

• date of overhaul repair;
• the presence of a security system;
• if there are fire extinguishers;
• type of decoration and value of the property.

You can fill out the application form both remotely and in person at the company's office. When filling out remotely, you will need to request an application form by personal e-mail, print it, fill out all the fields and send it to the insurer.

1. Property inspection

Since the insurance company is ready to provide protection for property, the cost of which may be several million, a pre-insurance inspection of the facility will be carried out before signing the contract.

A company representative will certainly inspect the property, take high-quality photographs and draw up an inspection report, which will reflect all the results of the property inspection. This act will necessarily be attached to the contract of both the insurer and the policyholder.

1. Insurance premium calculation

Only after the company personally learns what it accepts for insurance, the insurance premium can be calculated. When calculating, the company will take into account the risks that the client wishes to include under the contract and the technical condition of the property.

1. Execution of the contract

In the event that the size of the insurance premium and conditions are suitable for the policyholder, the representative of the VSK company draws up a contract. Before putting a signature, you should carefully study all the main points once again and, if necessary, ask clarifying questions.

1. Payment

As for payment, individuals deposit cash immediately at the cash desk of the insurance company. Legal citizens pay according to the invoice, within 3 days after receiving the details.

At the end of the visit, the policyholder must have a complete package of documents, namely:

• insurance policy;
• contract;
• receipt of payment of the insurance premium;
• property inspection report;
• memo for the client;
• insurance rules.

As for individuals, then acquire protection from the necessary risks they can on the day of treatment. Registration for legal citizens takes from 1 to 3 working days in time.

Required documents

To purchase insurance coverage, you will need to prepare a complete package of documents.

If you are planning to purchase protection for suburban real estate (house or summer cottage), then the company will ask for:

• certificate of ownership of the land plot;
• an extract from the land register or other document that confirms the characteristics of the land plot;
• gardener's book.

• certificate of ownership of property;
• certificate from BTI;
• description of the property that is in the apartment;
• documents that reflect the market value of the property.

• lease contract;
• power of attorney for the policyholder, from the head, according to which he can represent the interests of the company.

In addition to the listed documents, each policyholder must show the original passport.

It should be borne in mind that the insurance company may request additional documents that need to be prepared. If this is not done, the insurer may refuse to conclude a contract.

Advantages and disadvantages

It is impossible to foresee all the risks that can happen to property from day to day. That is why the insurance company proposes to provide protection for what is dear to each person. However, you should not rush to draw up an insurance contract, since you should first carefully study the advantages and disadvantages of this service from the VSK company.

Advantages:

Disadvantages: