Insurers Dumping

From 1 April this year, several insurance companies have proposed a number of actions and new products for car, making it possible for insurers to obtain savings. Thus, insurance companies, offering various discounts tend to attract those customers who previously used the services of their bankrupt competitors.

Thus, by "Rosno" anti-crisis program was launched, "Casco tale." This program, in which the applied deductible is 2% of the value of the car, but not less than 25,000 rubles, can insure a car worth up to 30 thousand dollars by almost 55% cheaper than it can with a full comprehensive insurance cover. Owners of vehicles valued at more than 30 thousand dollars, such a policy would cost 40% less expensive than a policy with full coverage. For Moscow, the tariff under the policy, "Casco Tale" is between 2.9% and for the regions of the tariff will be from 2.2%. This policy is aimed at vehicles whose age is less than nine years, and the cost - one hundred thousand dollars. For explanations of the Department Head of motor insurance ROSNO Dmitry Kuznetsov, for the calculation of these rates were taken statistics, and reduce the cost of tariffs allowed the optimization of business processes.


"RESO-Guarantee" as from 1 April launched a special program for the integrated vehicle insurance designed for those customers who, together with the CTP insurance policy will also draw up policies "RESOavto" at risk "theft", "RESOavto-aid" and DSAGO any limit. This kit will allow the policyholder to receive 30% savings, since individually all of these additional policies will cost more. As the deputy director "RESO-Guarantee" Igor Ivanov, the company would never have granted such discounts to Hull, and on each of these products, they represent a real loss-making, and may allow discounts on their comprehensive offer.

Company «Renaissance Insurance" on April 1, carried out campaign called "Careful Driver". As part of this action provides for 10% discount on renewal of the policy to each owner of the hull policy, regardless of which company he was insured, if the past year he had no more than one insured event. This discount is 10% comes from the price that the car owner can offer his insurance company. As the head of direct sales team, "Renaissance Insurance" Paul Baxter, they realize that in the current crisis, in addition to the relevance of protection against unforeseen expenses, are also relevant issues of the economy. What led to increased interest in purchasing policies directly, as well as to incorporate them in terms of the franchise, which allows to significantly reduce the cost of insurance.

According to general director of "Ingosstrakh" Alexander Grigoriev, offering the most professional of the three, which came into effect on April 1, is a program from the company "RESO-Guarantee". Alexander Grigoriev, also lamented the fact that many companies are now bankrupt or lose their financial stability, so that others are thinking about how to attract customers of these companies. But he did not want to see the company started with the dump.

Insurance scams for car loans

With the improvement in the credit markets and the growth of car sales on credit, insurance companies and banks meet new types of fraud in this area. Credit and insurance scammers improve their fraud scheme, he borrowed the gaps in the harmonization of insurance companies, traffic police and banks.

One of the most common types of fraud is to purchase credit for other people's documents. And if the acquisition of household appliances need only a passport, then, for the purchase of machinery, requires also a driver's license. However, their authenticity is checked by security police on the bank's database. If the document is in these databases does not appear, then the bank will immediately take the appropriate conclusions and denied a loan. Fraudsters turn up a way to circumvent this obstacle.

Through the registry office employees, they get a passport recently deceased person. Since information about the death of man in police computers come with a delay, the dead still for a long time was listed among the living. Photo paper in the glue. Then the scammers by "their" peace officers extract information of the deceased driver's license and making a fake copy. Now a contender for the loan without any problems will be a standardized test procedure. Because passport data and the document number are the real and present in all databases. The car has not been realized yet did not pay the loan customer, banks usually do not give a hand to PTAs. However, such interference can easily overcome by swindlers. They take a duplicate in the SAI, explaining that the technical data sheet on the car as if it were lost.

Then the car is removed from consideration in the traffic police, and quite legally sold not having any suspicion of the man. Complications with this car it will start later, when the bank's employees understand that they are trivial "threw". The car will be announced in the search, and honest buyer is in danger of losing it.

There are also more lightweight fraud scheme in which the role of victim advocates are not a bank and an insurer. This "commerce" are engaged in serious criminal gangs. When you buy a car on credit to insure mandatory, including a type of insurance as insurance against the risk of theft. Then the new owner surpasses its dealers and the police received a statement about the theft. From the middleman former owner of car gets up to 30 percent of the price of the car.

The main requirement is that the owner owned the car two sets of keys that would confirm the fact that the car is stolen and not commandeered by the robbers. In this case, the insurance company for a reason to deny compensation insurance will be less. After receiving the money from criminals, the owner of the car also receives under a contract entered into with the bank, and a new car. Based on police statistics, it becomes clear that this kind of crime is extremely rare disclosed. Similar scams are forced banks to hold large enough interest and demand for consumer loans

How not to be mistaken with a choice of auto insurance program

Any bank issuing a large amount of car loan will certainly require the customer purchased car insurance. As a general rule, banks in these cases offer "their" insurers. It is possible that the bank encourages you the most stable and honest insurance company in the insurance market, but there is no guarantee that the program proposed by the insurer that does not prove absolutely extortionate. Therefore, before you enter into a contract with the recommended insurance company, you should at least know the experts on this insurer, or reviews of the company's work on the Internet.

Pay attention to the conditions of insurance. In other words, the manner in which and the conditions under which the insurer pays compensation. Take into account the interest rate on insurance. Is often the case that the purchasers of cars being deceived low interest rate car loan, pay very high interest rate on the program recommended by the Bank.

Before you sign the contract, it is better to turn to a lawyer with the request that he learned the terms of this agreement. If you prefer to do it yourself, then carefully read the contract, checking every comma in it. Be sure to pay attention to the fact that the pledge agreement reflects the real cost of the car and real time credit agreement. In determining any differences in the agreement with the actual rates, do not accept credit managers or employees of dealers trying to convince you that this is done for the convenience of tax or payment of the loan. Do not forget that even the differences in the very small amount can lead to serious consequences in the form of huge overpayments. In addition to comparing the data, you should also carefully read the paragraphs setting forth "the rights and obligations of the parties." Most importantly, under the responsibility of the borrower for theft or damage to a constructive vehicle insurance company had clearly stated its commitment and action. Also check the validity of your insurance contract - it should not be less than the loan term or installment payment.

Take into account the size of insurance premiums, which can not be constant throughout the loan period. Indeed, in the process of operation of the vehicle the cost is constantly decreasing, and the calculation of insurance premiums, as a rule, on the basis of its assessed value.

If you will treat contemptuously to the contract, do not check it carefully, it can happen, so that in full and at their own expense you will have to indemnify the bank. At the same time if the car was stolen, or in the heavily damaged, the beneficiary will be a credit institution, the account of which the insurance company and list insurance.

Every day, car loans are gaining in popularity. At the moment they are second only to loans for the purchase of household appliances. But unlike the home appliances, car itself acts as collateral and, therefore, banks have requirements for their compulsory insurance. And, recommending insurance programs of its partners, it is possible that such lenders take into account and its benefits.

What is the policy threatens the tourist

Until now, many tourists perceive insurance as a kind of voucher that allows you to cross the border. That is, if during a trip man gets into an accident, become ill or get injured, and who will pay for treatment, many people prefer not to think.
Hope for Traditional maybe - a characteristic feature of Russian tourists. The same German or a Frenchman, resting, for example, in Turkey or Egypt will never go on a trip to an unknown company that offers a ticket to two - three times cheaper than the operator. The point here is not that they do not want to save, on the contrary, the Europeans know how to count money and that is why, being on vacation, in contrast to the Russians who prefer not to indulge in all serious. They know that the insurance company will not pay for treatment for injuries received while intoxicated, will never compensate for the consequences of "wrong" scuba diving, if extreme sports are not included in the policy. Moreover, some European insurance companies do not reimburse the cost of medical services that are required as a result of injuries received in the sea. By the way, is why many foreigners prefer to swim in the pool and do not go into the sea, their insurance does not cover such risks. And it is not in satiety beach holiday. Unlike the Russians, accustomed from Soviet times to free medicine, they know how much it could cost treatment if his pay out of pocket. Meanwhile, the World Health Organization statistics, from 50% to 75% of the people, briefly leaving the tropics and subtropics, ill or injured. Of course that is not always resting seek medical help, but there are times when it can not do without.
In turn, some insurance companies are watching the tourists to neglect their health and offer a minimum set of services for health insurance. Their main advantage - low price, and many gladly save on your health. That's just to get a refund of such insurance can be very difficult. Despite the fact that the flow going on holiday abroad every year is growing at 20% - 30% of the market for travel insurance is increasing annually by only 10%. In the portfolios of insurance companies selling travel insurance policies rarely exceeds 5%. "However, the insurance culture is growing, and insured, despite the presence in the travel insurance package, treat yourself to the insurance company for additional services," - said the head of the management of insurance going abroad SC "Standard-Reserve» Eugene Boldovskaya.
Risky recreation
"Traveling abroad more often insure health and medical transportation costs, followed by insurance against accidents, and from his own recognizance," - said the spokesman "Ingosstrakh" Natalia Gorgidze. Also quite popular is the direction of liability insurance to third parties, adds Eugene Boldovskaya of IC "Standard-Reserve." At first glance, many of liability insurance is not such a relevant, but if we recall that the cost of the trip, such as a scooter, the owner of this vehicle is not laying the possible costs of its repair in the event of an accident, there is a logical question: Who will pay? Last year a few tourists from Russia, traveled to Thailand, felt on his own pocket, how expensive repairs of the water bike. Very often there are cases when, during the descent from the mountain skiers faced, and in case of serious bodily injury insurance company has paid the victim treatment are likely to try to collect money from the culprit, and if the latter do not have liability insurance, it will pay for the treatment victim of his wallet. Many market participants have noted that insurance cases during tourist trips occur much more frequently than consider yourself a rest, and hope to chance can be very costly for the tourists.
But even if the policy is purchased in a tourist company that does not mean that guests can relax on the plane already, as is customary among our compatriots like European insurance companies, our insurers do not cover the risks associated with obtaining injuries while intoxicated . Market participants are advised to carefully read the terms of insurance than many tourists ignored. In an insurance company, the policy which was granted "in package" travel company, can be mass exclusions. Some tourists are faced with the fact that a very large and reputable insurance company refused to refund based on the fact that, before the tourist asked for medical help, he was not informed the insurance company. And very few people care whether a person an opportunity to do so. For example, during the tourist season in the same Turkey to call the insurance company in Russia, sometimes it is very problematic.
"When you order tickets from a travel agent or tour operator tourist can make suggestions about the insurance. If he did not, then the tour operator will default insurance - a minimum mandatory health insurance for the visa and travel abroad, "- says the head of the department of insurance travel abroad Moscow Insurance Company (IIC), Alexander Kovalenko. As an additional service to tour operators can offer insurance against bail for 4% of the cost of the tour. Everything else is likely to have to buy is directly to the insurance company.
Tourists, reinsurers
Additional insurance is a must, if a tourist wants to be more secure, and even more so, if he intends to do on vacation extreme sports: ride a mountain or water skiing, scuba diving, mountain climbing, horse riding or sailing, ski jumping, biathlon, water polo, athletics, hunting, and fishing. In any of these outdoor activities is assumed to issue insurance with step-up factor of 1.5 - 5. At the same time skating on the "banana", trampolining and cycling are not included in the list of extremes - all from the category of a beach holiday and the potential for this medraskhody covered by standard insurance. "If the tourist refused insurance included in the permit, and he decided to protect yourself by contacting the office of the insurance company, he alone can decide which insurance risks it requires, - says head of the department of insurance travel abroad insurance company of Moscow, Alexander Kovalenko. - Our company offers to insure citizens traveling abroad, accident, arrest, loss of baggage, as well as civil liability to third parties. But these tourists a little bit - about 3%. " Ironically, recognize market participants, one of the least popular types of travel insurance is insurance of baggage, considering how his throw porters at airports, and what percentage of its losses. "Baggage insurance is almost no demand. We are actively engaged in insurance-divers as well as equipment for diving is decent money, baggage insurance dive trip at the time of purchase, but also perfectly in small amounts - less than 5% of the total number of customers "- says the head of management of insurance going abroad SC "Standard-Reserve» Eugene Boldovskaya. "This product is not enough demand, because insurers set insurance limits and deductibles (in the CMC for each lost, damaged or spoiled piece of luggage policyholder will receive $ 250 for the insurance limit of $ 1,000 and $ 100 an unconditional franchise)," - confirms Alexander Kovalenko of the MSC. "Baggage insurance, Russians are not particularly popular in Europe, it is second only to cancel the trip, while for comparison, the health risks - at last," - says CEO of insurance company "European Travel Insurance" Michael Kamalov. In the first place in European countries is trip cancellation insurance - more than 50% of premiums on fees and payment of insurance compensation.
Tips departing
At the request of "Co" Insurers have given some tips on how to avoid problems with obtaining refunds.
"We recommend that you carefully review the insurance rules and procedures of applying for medical assistance. Do not attempt to advise on their own to get treatment, because it is fraught with poor quality of health services with all its consequences, lack of necessary funds to pay the bills, as well as the insurer's refusal to compensate you with the costs incurred as inconsistent, "- says a spokesperson for" Ingosstrakh "Natalia Gorgidze. "In general denials of compensation are extremely rare. However, the insurance company may refuse payment if the conditions are violated by insurance or the insurance company recognizes the case of non-insurance (ie, subject to exclusion from insurance coverage), or if the insurance company discovered fraud by the insured, "- adds the head of the Insurance Department traveling abroad SC "Standard-Reserve» Eugene Boldovskaya.
Insurers are reminded that if a tourist paid for treatment on his own and intends to continue to collect money from his insurance company, you must obtain a detailed account of the doctors with the details and the medical statement signed and sealed with an indication of the diagnosis, treatment and cost of services. Preferably, the hospital confirmed that the client is enrolled in a critical condition and call the insurance company could not. At the same time, make a call, you must write to the insurance of the operator with whom the victim was talking, the conversation and registration number of the insured event. Unfortunately, sometimes it happens that a representative of an insurance company, wanting to minimize costs, argues that the customer did not call. Interviewees "To" market participants noted that the practice of travel insurance in Russia is gradually approaching European standards. But to revise its approach to this segment of the market must not only operators but also their clients: more and more tourists traveling abroad, using the so-called extended insurance, which includes a much larger list of insurance claims for which compensation is carried out. Is it worth not much more expensive, but allows you to feel much more confident. Of course, we can proceed following the example of the Italians or the Germans, who do not bathe in the sea, and outside the hotel do not go. But is it worth the savings of $ 10 - 20?

Choice. Plastic and insurance

He has designed a plastic card - get insurance. Some of the banks as a bonus to its "plasticity," offer a variety of free insurance policies. What are the advantages and disadvantages inherent in the product "two in one", and which of the banks offering the best content on it, figured D.
Free insurance on the cards - a bonus that increases customer loyalty.
Free "sewn" in the card is not insurance, many banks. Of those who offer them, along with the most "plastic" give the customer travel policy. Some, though not limited to travel insurance, and at his own expense to protect against the risks of fraud kartholderov. His generosity of banks are usually the owners of gold card holders as "plastic" at a lower level of insurance is offered on a fee basis.
Information blockade
Map with insurance from the usual "plastic" in terms of functionality is not different, because its action is not tied to insurance. Simply by getting "plastic" will give you for free also an insurance policy against the company - a partner bank. With all the issues and challenges for the insurance of the owner will have to apply not to the bank, but directly to the insurer. In this case the insurance cost for the customer pays the bank, and they are driven at the same time, of course, not patronage motives. "Each bank is to attract customers offering any bonuses. Free insurance on the cards - it is an extra service that increases customer loyalty," - explains the reasons bankers love Kukina, head of the deposit and payment products retail business of the Bank of Moscow. Banks with a bonus, like, on every street corner would have to shout about it a market advantage. However, in practice, everything is exactly the opposite: his "charity" does not bankers prefer to advertise. Convinced by personal experience: not yet pointeresueshsya availability of insurance, Consultant, painted your pros "plastic" of the bank, nothing about this to say. Some banks on the sites and did nothing about the insurance card. It is unclear how the client should know all about the existence of this service.
Even if you accidentally found out that a bank card tied to the policy, then what is the "fruit" will not be easy to find. The bank reported only the most superficial information: what is insured and for what amount of detail is advised to contact the insurer. In the insurance companies (IC), the answer is even more "comprehensive": "When you have a policy, it will read everything." The second most popular phrase: "Ask the bank, they will tell you everything." It happens that the insurance companies do not even know about the availability of programs with the banks. For example, in the company "Sogaz" I have ten minutes to no avail trying to prove to the consultant that Gazprombank issue cards to holders of their insurance policies. When the representative of the insurer said: "I finally can not understand Nitsche, it is human" - had to admit defeat and hang up. So, if you want to find out beforehand what risks you are free to insure the map will have to spend a lot of time, effort and nerves, and without any guarantee results. I collect the most information about the "plastic" city-states could no longer as an ordinary customer, but as a journalist, after a formal request to the banks and Insurance.
As an entry-level cards Visa Electron, MasterCard Maestro gives no insurance for Visa Classic and MasterCard Standard "polis" bonus offer, but the most common practice of awarding the holders of "VIP-plastic". "Charge" plastic "Gold and Platinum categories is much higher than that of nepremialnyh cards, so the bank has the ability of these funds to pay for insurance. Also provide insurance on conventional cards unprofitable, for it would have to pay more than we would receive from a client , "- says one banker. Some of the banks 'Freestuff' insurance only distribute to holders of debit cards (Bank of Moscow), and some, on the contrary, only "kreditchikam" (Citibank). Banks with free card-insurances can be suspected that in their "plastic" they are set above market rates. But no - the cost of insurance card to fit in completely average.
Travel Bonus
The main form of free "card" insurance, which is pushing banks - protection when traveling abroad, which includes payment of medical and transportation expenses during sudden illness or accident. This is the basic insurance, it is present in virtually all the "card" programs. As a rule, issued kartholderam not standard and specially designed by the insurance company for a particular bank's policy. This does not mean that it will be worse than the usual product of the same IC, often just the opposite. "We have insurance cardholders, except for the risks included in the standard insurance for citizens traveling abroad involves additional risks such as theft of baggage, delayed baggage arrival and departure, legal assistance when an accident involving the insured," - explains the benefits of insurance card his company, Oleg Shtynda, head of travel insurance Insurance "Consent". "We offer comprehensive insurance, it reflects all the risks. If a person individually purchased insurance for these risks, he would have to pay a pretty decent amount, but when you make a map of such a policy, he gets free," - says Larissa Antonova, head of the department sales and customer base development control travel insurance company "Ingosstrakh". The fact that banks, providing a certain stream of customers, SC sell policies at prices ten times less than the retail tariffs. A set of risks and the amount of coverage in the travel insurance policy depends on the card status to which it is issued: the status of the above, the insurance is better. Thus, the cards Visa Classic and MasterCard Standard, the Bank of Moscow, Rosbank, Master of the bank, "KIT Finance" (as in SB-Bank, even a gold card) under the insurance coverage falls short of 30 thousand needed to obtain a Schengen visa. If you want a "classic" card with free insurance for not buying a separate turpolis, the choice of one - the bank "Russian capital" (RC). For debit cards Classic and Standard had relied insurance policy to cover the $ 50 thousand
In terms of card has a nasty caveat - the Commission (0.1% in rubles, 1% in dollars) for cash withdrawals at ATMs of their own. And credit card will not be able to issue (the bank does not release them).
Some insurers effect of the policy is tied to the use of the card. For example, the terms "AIG Insurance and Reinsurance Company", the insurance will take effect only if you pay part of the trip "plastic." Most banks insurance covers the same for all the cards life journey, but also found a differential approach. For example, the "Absolut Bank" on the gold card policy covers the 92-day journey, and for platinum - is 125 days. The very policy is issued, usually either at the time of the card, or a year. Some other features of a "card" turstrahovok not. The process of recovery for them is no different from the procedure of filing and payment, valid for ordinary policyholders. Therefore, you should carefully read the terms of the contract of insurance, especially the section devoted to the deductible, that is, the amounts that the insurer will not pay under any circumstances. Best of all, if the contract you do not find the word franchise, but there will be points of accident insurance, liability, payment of legal services and the provision of collateral in case of accident, payment machines in the repair of accident compensation trip cancellation, flight delays, lost or delayed baggage. The presence of these risks suggests that to your card you received a free full-insurance policy.
If the policy is valid not only abroad but also in Russia, is ideal. Such insurance shall be issued to the two credit card bank VTB 24 - "Gold Card" (Visa Gold, MasterCard Gold) and "map travel" (Visa Gold, MasterCard Gold). Attached to them the policy is impressive by the fact that all risks are covered abroad, fully compensated, and when you travel to Russia. In other "pro" card programs (SDM-Bank, "Globex", SC) cut in the first place, a set of risks, and secondly, the amount of payouts. And the maps themselves VTB 24 offers interesting. Credit cards are combined, it is possible to park their money, use the card as a debit. For the use of "plastic" to pay at a rate of 18% per annum in rubles, but only after the expiry of the grace period (50 days). The advantages include low and the commission for the withdrawal of borrowed money - 1% (in the debit option fee for cash withdrawals not). Annual service "Gold Card" would cost three thousand rubles. "Map travel" is more expensive - five thousand rubles., But it has an option in the form of round the clock concierge service. So, on set, and insurance, and highly plastic "merit" these cards can be regarded as the best among the gold of the family, with free travel insurance policies. It is worth noting another coverage for "Gold" in Raiffeisenbank, installed on it is impressive the amount of compensation - $ 500 thousand
In the platinum sector - also taking into account the overall evaluation, and plastic, and insurance conditions - a clear leader is difficult to identify the most suitable for this role, perhaps the Russian Development Bank (RDB) and SB-bank. In the first Visa Platinum credit card is issued as a, but on it you can keep the money and personal. The cost of maintenance is small - seven thousand rubles., But not required security deposit (money that can not be removed from the card), as some competitors, and there is no fee for cash withdrawals, even credit. As regards insurance, the "foreign" policy with coverage of $ 100 thousand is filled with all the necessary risks, except for one - there is no insurance against accidents. This item is present in the insurance program supplied with the Visa Platinum for SB-bank. In addition, its "foreign" insurance policy set is the largest among the "platinum" the maximum amount of insurance reimbursement - $ 150 thousand
Protection money
In addition to "travel" policy, banks are free to its customers only make out insurance against card fraud. Under the financial protection does not fall all the risks associated with the use of "plastic". Covered only cases where the money from the card you began to disappear after it is lost or stolen. In compensation, you can also qualify if you are robbed while withdrawing cash from an ATM, or within two hours after that. However, this risk is present, not all insurance (the "plastic" Rosbank RK and it is not). Claims, insurers are considering only if you have blocked card no later than 48 hours of lost or stolen cards. To receive a copy of the application submitted will need to provide statements to the police (the police) that after the loss or theft of the "plastic" you have lost money from the account. If you are robbed at the time of withdrawing cash from an ATM, will also have to go to the police for help. Such insurance is valid not only in Russia but also in any other country in the world.
Given that the "fraudulent" insurance, most banks partner with AIG, the amount of protective coatings on the program in almost all the same: the cards Classic, Standard a year pay 30 thousand rubles. On Gold - 60 thousand, and in Platinum - 90 thousand rubles. Moreover, offset by only two insurance cases per year, that is, if you run out of cash limit at one time, and in the same year occurred the following incident, you get nothing. Alone among the partners of AIG holds RBR, it limits some reason, much less: Classic - $ 500, Gold - $ 1000, Platinum - $ 2000. The plan also allocated the maximum possible compensation Rosbank, who works not with AIG, but with the "consent". He had the cards Platinum upper limit is set at $ 5 thousand, however, do card terms of service do not look particularly attractive: the platinum is "plastic" $ 300 per year, the fee for cash withdrawals (0.8%), and in addition, $ 9 5 thousand will always keep on deposit insurance.
The best platinum "plastic" with a free program antivorovskoy today probably have Orgresbank. As leaders of his presence brings reimbursement to restore the documents that are lost or stolen, along with the card. Service Card at the bank for "platinum" standards is cheap - five thousand rubles. As for the gold credit cards, Citibank stands out here, he also uses the services of AIG, but with a maximum of "Golda," he did not have 60 thousand and 75 thousand rubles. Annual fee for the card - 2950 rubles., The rate - 28% per annum, however, have a grace period (50 days). By debit gold "plastic" is to recognize the best new Orgresbank.
And here is the classic card is difficult to identify clear winner, each bidder has disadvantages. "Plastic" RDB all good, but the coating on it two times less than the other, while the RK and Orgresbank for Classic and Standard are not insured risks robbery in collecting cash from the ATM, in addition, there are fees for cash withdrawals. If the banks, insuring the risks of fraud for free, you do not suit you, you can insure at his own expense. This option Raiffeisen Bank, Citibank and "Renaissance Credit" offer of credit cards and bank "Societe Generale Vostok" - on debit cards

Rest does not matter

 if the insurance is
We are all accustomed to the fact that with a trip to some exotic resort, travel agency must sell insurance. Many travelers insurance seems imposed and unnecessary service, and that it can help in a difficult situation and save a lot of money, the tourists remember the last time. And in vain.
The tourist season in tropical countries this year opened a tragic history. May 1 in Egypt on the road in Sharm el-Sheikh - Cairo overturned and burned sightseeing bus, in which there were 40 tourists from Russia, Ukraine, Canada, Italy and other countries. A total of 24 accident injured a citizen of Russia. As it turned out later, a trip to Cairo was not included in the permit, and so the insurers was a significant reason not to pay the medical expenses of its insured, because the tour was purchased as an additional service - out of contract with the tour operator. The rules of the insurance going abroad clearly specifies the cases in which the insurance company pays for medical treatment. "The insurance indemnity will be paid, have already said insurance companies that have written policies of the victims - said the deputy director of the insurance company" Mezhregiongarant "Alexander Varentsov. - But there are also cases of failure - and this is due to the fact that tourists often do not think about insurance and get policy, even without first looking into it. As a result, in the city-there are exceptions. " According to him, there is no fault of insurance companies - travel agents and ask for the most cut-down software cheap travel insurance, which limits liability of the insurance company is limited. "So we should not buy any insurance policy, just to let in the country, and take care of the full insurance protection, especially because it is cheap" - suggests the expert.
Cheap does not mean good
 On the back of cheap insurance - its minimal covering all of the respondents said insurers Office magazine. "As a rule, the standard package includes a program that covers the minimum necessary risks" - explains the head of the travel insurance company "Alfa Insurance" Julia Kolysheva. It clarifies the Alexander Varentsov from "Mezhregionagaranta" do it, many tour operators in order to reduce the cost of a tour package and make it more attractive to customers. "However, in a cheap insurance policy as a whole range of services is small and there are a number of exceptions under which the payment of insurance compensation is not made," - he adds.
So if you're going to, for example, engage in active sports - diving, surfing or skiing - be sure to purchase "extended" coverage. Such a policy would cost 15-25% more expensive than standard, but the insurance company will refuse to pay medical expenses for injuries sustained in sports. In addition, it is useful to take care of insurance of civil liability to third parties, if you plan an active vacation, as they went downhill skiing can cause serious damage not only to themselves but also to health or property of others.
Not every travel agency has the opportunity to sell "extended" policy, but nothing prevents the tourist to purchase an insurance policy on their own. In this case, it will not only expand the list of services, but also increase the amount of liability insurance company. The standard sum insured for the trip to the country's public recreation such as Egypt and Turkey sostavlyaet15 thousand dollars, and the countries of the Schengen agreement - 30,000 euros. The largest amount of insurance is recommended for entry into the United States - 100 thousand dollars. At the same time for trip to Egypt and Turkey to the purchase of the policy is voluntary, but in the Schengen countries and the U.S. - mandatory. That, however, is not accidental. "In general, these requirements are reasonable and are based on the prices of medical services - says Managing Director complex insurance in the tourism group" Renaissance Insurance "Elena Skuratov. - For treatment of common cold in Europe will cost 200 - $ 400, and the cost of a consultation with a medical specialist in the U.S. and Canada may reach three thousand dollars. "
Rules of Conduct
 Curiously, not all tourists are well aware, for which they need an insurance policy. Hence the not uncommon delusion that, say, the insurance company should pay compensation to the affected tourist on vacation in the amount of the sum insured (ie, in the case of Turkey or Egypt, 15,000 dollars, while in the Schengen area - 30 000 euros). In fact, insurance is going abroad involves only the payment of medical services and transportation costs associated with them. In most cases, the insurer negotiates directly with the clinic or doctor assistanskie through their company's place of stay. You must notify the insurance company's Russian office of the illness or injury. Insurers say that the most common mistake of tourists - to seek a doctor on their own instead of calling the telephone number listed in the policy. And such a violation of the rules may eventually lead to a denial of payment. "The procedure is very simple - explains the head of travel insurance insurance company" basis "Maria Chistyakov. - For emergency assistance to tourists should be immediately at the first opportunity to apply for service, contact phone numbers which are always placed in the insurance policy in the most accessible locations. Apply not only can the victim, but also any authorized person. " Then, you must carefully follow the instructions received from the coordinator of the service.
However, sometimes difficult to get through to Russia and to obtain instructions from the insurer. What to do if the delay is dangerous to health? "If for any reason, the tourist can not communicate with the insurer, you should contact the clinic on their own and pay for medical services, but as soon as possible, again, need to call the insurance company and report it - advises Alexander Varentsov. - You should ask the operator on the phone to tell about what registration number assigned to your treatment, and burn it. It should also be discharge from the hospital to request all documents which establish the cause of ailments, confirming the fact of treatment, all the bills, etc. "
It happens that in the hospital categorically insist on payment in cash. Experts advise in this situation soedinyat representative hospital with the insurer that they have solved their financial relationships, and only in extreme cases, you can pay the most, again do not forget to pick up all the bills and checks for payment of medical services.
However, the sequence of actions - not only that we should learn a tourist. Individual attention, and exclusion from the insurance policy under which the insurer will not pay for treatment. For example, if the injury or illness caused by alcohol or drugs to pay for treatment can not count. Not covered by insurance and treatment of burns. If suddenly the rest you need dental care, will have to pay for it, as a rule, too, from his own pocket. It is worth paying attention to the fact that the insurance company does not compensate for medical expenses for the worsening of chronic diseases.
Not only health
 Travel insurance in general terms - it is payment of medical and transportation costs. However, the policy can be expanded in two important additions. First, to insure against loss or damage to your luggage. Secondly - to insure the risk of cancellation of the trip. If the trip fell through due to objective reasons such as illness or death of relatives, as well as the denial of a visa, the insurance company will reimburse the cost. However, the insurance policy is usually set period of time (say, five days) during which to notify the insurance company that the trip is canceled.
Of course, in the case of visa denial insurance company can theoretically find fault, because the embassy does not motivate the refusal, but in fact, if a passport in order, that is not broken, do not expire, does not bounce, the insurer shall reimburse the cost of the permit. Insurance for a visa is not valid only if the tourist was refused a visa for his own fault if, for example, he incorrectly drawn up documents filed or to deliver them later. However, and here occur curiosities. In one of the forums talk about how she planned a trip to Italy, was refused a visa because of her travel agency has filed documents to the Embassy of Greece.
Western standards
It must be admitted that the insurance going abroad in Russia is developing very slowly. Because it is not surprising that so far there are initially laid down standards. Meanwhile, we can learn from Western countries. "At the present time, the Russian insurance largely falls short of those programs that are available in the arsenal of Western insurers - ranging from insurance premiums and ending amount of aid - said Julia Kolysheva. - In particular, they are paid and sunburn, and coronary artery bypass grafting, and, in principle, their program is broader and richer. " However, she said, and the price of these services are significantly higher than those offered by Russian insurers. "So, demand creates supply as soon as the Russian tourists would be willing to pay a slightly higher amount than that paid now and the program will be no worse than the West" - sums up her. According to Elena Skuratov, in Russia, the maximum sum insured - that's $ 100,000, while in Europe people are insured in the amount of $ 250,000. "This insurance is compulsory when traveling abroad. We have the same insurance - a requirement of the host countries, "- explains the expert. But to this there was a qualitative shift in the market, you need to assist tour operators, because the lion's share of insurance policies purchased through them. For travel agencies, such assistance, of course, will result in rising costs of permits. And to this they are not ready yet.

Policy for the extremal

The number of insurance claims with the skiers and snowboarders on the steep slopes is impressive: one in ten manages to get injured while on vacation. The price of the policy for those who like driving fast, traveling for a week in the mountains, less than one thousand rubles. Saving it is not: are not insured against injury, even experienced athletes
The cost of the policy to the basic insurance coverage (€ 30 thousand) for a trip to a ski resort in Europe for eight days will be 350-850 rubles. depending on the company (MSC were asked, "Alfa Insurance"
«Standard-Reserve», «VTB-insurance" and "Uralsib"). But it is better to look not at the price, but on the content of the policy. For example, some companies in the base rate includes the service organization to return the child home in case of serious injury the parent (IC "Uralsib"), others do not have this option. Meanwhile, this caveat is certainly worth consideration if you go on a trip with the kids. A situation where a parent received injury requires emergency surgery, and child in this case should be sent home, there often. Having decided on the matter of returning to their homeland, the injured parent can miss out on the time required for successful treatment. One caveat: some companies of the policy only applies to driving on marked tracks ("Alfa Insurance", MSC), in others there is no such restriction ("Standard-reserve"). "Standard-reserve" and guarantees payment of the first visit to the doctor, even if later the case and will be recognized as non-insurance.
Police skier or snowboarder must include the organization of health and transportation assistance, and adequate means of transport, according to the company "VTB-insurance." It should cover not only the cost of outpatient treatment for an occurrence, but also the costs of hospitalization, surgery, emergency dental care, as well as spending on prescription drugs. It often happens that the insurer pays for medical advice, a prescription for prescription drugs paid by the insured himself. Upon arrival, he must within one month to apply to the SC for the reimbursement of their expenses, but not everyone is at this time. It is better to resolve this issue once on-site doctor can give yourself medicine and include their cost in the bill, which pays the insurer. One caveat: the service company must send you in one clinic where a doctor will do it.
A full policy provides search and rescue operations, including helicopter evacuation from the stricken mountain skier. "Another thing is that no one will guarantee waiting time of arrival of the aid itself - says Natalia Kucherov, head of travel insurance IC" Uralsib ". - The fact that any resort is only one helicopter, and if at some point will need assistance to multiple skiers, someone will have to wait for their turn. " And in the case of less serious injuries to the rapid assistance is not always necessary to count, he said. First have to dial up the service center, his phone number listed in the policy (which is why you should always keep it to yourself), then get to the place of their own admission the doctor, who tells the operator, but there still may have to sit in a queue, waiting for admission.
Having defined a set of risk and insurance services medraskhodov, skiers should be insured by the same insurance policy against accidents, as well as to insure their civil liability. Police traveling with the civil liability of $ 15-30 thousand, medraskhodov $ 40 thousand, as well as the accident would cost $ 5-10 thousand for the eight round about 1.2-1.3 thousand rubles. If desired, also in the policy can provide protection from flight delays and cancellation of the trip.

Six myths about insurance holiday homes

Insurance is for many owners of terra incognita, and, apparently, is why there are so many different errors. Especially a lot of suburban housing in insurance, where the features and nuances are much greater than in a city apartment insurance.
Misconception One: Country house is insured for its market value, as well as the Townhouse, and insurance comes out very expensive.
Vitaliy Us, deputy director of the Center for Insurance of financial risks "ROSNO", says that this is one of the most common misconceptions of Russians - the view that suburban insurance is very expensive.
The reason for this confusion is the confusion of the two types of insurance - property insurance and loss of ownership (title insurance). The latter is really focused on market value, but the property insurance means that the contract will specify the cost of reconstruction for this home.
As Alex says Kozmin, head of the Directorate of underwriting property insurance to individuals and groups of mortgage companies "UralSib", the sum insured for buildings is determined by the size of the reconstruction. Insurers do not take into account many factors that traditionally affect the price of the house during the sale. The most important factors for them - a design house, including the material from which the house is built and its age.
Therefore, as a rule, the majority of homes in the suburbs does not exceed the insured amount of $ 100 thousand cottage can be insured at a rate of 0.25% to 1% - depending on the material of the walls, a set of insurance risks, the availability of heating equipment, security, says Vitaly Us . For example, insurance, structural elements and finishes stone building, which has a fireplace, located in a protected village on the main risks (fire, lightning, explosion, falling aircraft; Bay, burglary, robbery, unlawful acts of third parties; Battle of glass, natural disasters, falling trees, poles, hitting vehicles, the costs of rescue, clean-up costs), cost per year to 0.48%. If the insured ROSNO apartment or a car ROSNO client (family member), the rate will be 0.43%.
As for checking the house, then, according to Kozmina the company when you specify the sum insured in the contract of less than 3 million rubles. believes the owner of the house on the floor, and at the buildings insurance more expensive there always leaves the expert.
Misconception Two: The insurance will provide protection and compensation, if the house is robbed.
Here, again, begin the nuances. The fact that the owner can insure your home for a variety of risks, in fact, there are options to insure the various elements of the house. As a rule, property insurance, which was discussed above, includes insurance home construction: walls, roofs, basements, windows and doors, as well as exterior and interior home. In most cases, it applies to these basic elements of insurance. Most often, insurers include in the base of technical equipment and insurance at home: heating system, water supply, sanitation, ventilation and air conditioning systems, plumbing systems, CCTV and the like.
And it is a separate contract for insurance of movable property: furniture, household appliances and electronics, paintings or other art objects, and so on. But as a rule, insurers are willing to insure all personal property in the house: a) at a higher rate, and b) if the house is insured as a whole, ie, construction and technical equipment. "Insurance of movable property is considered a high-risk type of insurance, and tariffs on it higher - about 2% of the value of the property while the house is insured for 0.5-0.9% of its replacement cost. In homes with a permanent residence or in the presence of movable property insurance cost is significantly reduced ", - says Alexey Kozmin.
In addition, the payment of money to the owner depends on what risks are included in the insurance and what does not. If the TV was gone from home, the insurer will pay the cost only if the insurance contract referred to as "burglary" and "robbery", but the owners will get a police certificate that such an incident took place in the house.
For a second: hacking involves technical tracks into the home with the help of master keys, or other technical means, and nothing else. Robbery - a take-away from the TV at home, in the presence of the owner or household, threatening them with violence and so on. There should be a criminal case has the presence to get the value of insured property. If the door was opened by the owners of forgetfulness, and at this time, criminals have stolen so valuable a TV, the insurance company refuses to pay quite legitimately.
Misconception three: You can sleep during the disaster, if the house is insured.
In fact, it is possible, if you carefully read the list of disasters that are in insurance, and there is something that has a place in your case. For example, if a company insures against the risk of tsunamis, earthquakes, floods, hurricanes, and hail in this list is not enabled, and rely on compensation of damage to them is not necessary.
And if there was no flooding, but there were floods and the effect of soil water, and finally basement of the house was hopelessly flooded? Then the insurance company will pay damages to the owner only if the agreement specifies the risk of floods or acts of groundwater, and is arranged in the house drainage system, corresponding formally established standards. And there are a lot of nuances, not all can learn from a conversation with an insurance agent.
One of the most important conditions for the payment of money - the insurance claim in the case stipulated in the contract terms and provide all documents, including documents of title to the house. Since many buildings in the Moscow region remain unregistered (supposedly "unfinished"), then the reason may be denied payment. Sometimes, insurers do not require documentation of ownership of houses built in the cottage and garden associations, but in any case this point is better clarified in the contract.
Misunderstanding four: You can only insure the house and the land is not subject to insurance.
In fact, you can insure a fertile soil - also on the replacement cost. Insured and landscaping work performed at the site: their costs can sometimes exceed the cost of all other rehabilitation work.
Misconception fifth: if a house is insured, we can not worry about compliance with fire safety rules. The second part of this confusion is this: if the house burned down, the insurance will be paid in full.
Each part of the house has its own limit of liability - as a percentage of the total amount of the contract. For a damaged roof or windows insurance company will pay, say, no more than 5%. If the fire has escaped the foundation, the cost of its recovery will not be paid, and this can be a substantial amount - 20-30% of the total. With regard to determining the cost of restoration work, the owner is desirable to have documents showing what work was performed in the house, and an indication of their value, especially if the house were unique elements. Otherwise the value of the home will be determined from the standard costs, and payment will be lower.
And, alas, if firefighters find that the fire occurred due to the fact that you do not comply with fire safety rules, the insurance will not pay.
Misconception sixth: all contingencies can provide yourself and do not insure the house. Vitaliy Us, speaking about the practice of insurance companies, notes that such risks, such as arson, a fire due to electrical fault (even if it is new), the Gulf of basement in an emergency water supply systems in the neighboring area, etc., is practically impossible to prevent , and only then the insurance company can brighten the sad consequences. He adds that the insurance is advisable to carry out country-houses before the onset of severe frosts, as the frost grows significantly the probability of circuit wiring.
In general, of course, a contract of insurance in the country house - a very complicated procedure, so take your opinion for its adequate amount of time and ideally - bring a lawyer or a specialist in insurance, trust. And then there are chances that mistakes and errors will bypass your side, and in case of an accident insurance payment amount will not disappoint you.

Insurance for the arts - how to insure the collection?

The law enforcement agencies predict that the financial crisis will increase the number of burglaries. Preserve their values ​​- whether it be money, jewelry or art collection - can be safe, but steel case and combination lock does not always stop the robbers. But all these things can be insured - and then if something happens to them (after all, can happen not only theft, but also, eg, fire), the insurance company will return you to at least the cost of lost property.
Russia's first case in which the private collector, not only insures his collection, but also openly announced it took place in 2007. The head of the "Alfa Group" Pyotr Aven has insured 222 paintings by Russian artists of the early 20th century in the amount of $ 150 million. On the sum of insurance premium collection owner did not speak, but, according to the insurers, fee typically ranges from 0.2% to 1.5% of the sum insured. In the Urals, the case of insurance of art was, for instance, in Perm. According to API, a subsidiary of the company "Ingosstrakh" insured a unique exhibition of works by modern masters of painting, displayed at the Perm State Art Gallery. All exhibits are owned by the private museum. The total sum insured is more than 2.5 million dollars.
Collection in the shade
Insurance collections of works of art and antiques in the West - a common occurrence. In Europe and the United States is as much a standard procedure, as insurance for a car or apartment. In Russia the situation is quite different. Most private collectors do not want to insure that does not advertise his collection, and not to attract too much attention - as inspection bodies, as well as fraud. According to insurers, the insured is not in Russia for more than 10% of private collections.
However, insurance services works of art and antiques offered by many companies. It should be noted that, according to Russian law, the maximum insured amount, which may pay the insurance company is not more than 10% of its own funds - these are risks that the insurer may leave on their own holding. Therefore, insurance is expensive works of art, usually in need of reinsurance. As the host may act both Russian and foreign reinsurance companies. Foreign reinsurers have experience of such insurance is much higher (over time) and extensive (topics). So, for example, the syndicate is able to take on the Lloyds insurance collection of paintings worth up to $ 100 million.
What is the cost?
The main condition for any insurer, only one - the customer must provide a receipt or a peer review thing, confirming its true value and cost. Appreciation of art should be an independent expert. It should be noted that to give an opinion on the value of works of art or antique items may only professional evaluators with the license state of the sample (in Yekaterinburg, appraisers can be found through the Regional Ministry of Culture). Not to be confused with the art critics of Appraisers - the latter can only draw conclusions about the authenticity of things and its artistic value, and the appraiser will call its market value. Some insurance companies will only work with certain "proven" by experts, which will be given a list of who wants to insure your collection. Services cost appraisers come cheap - prices can reach up to 1% of the cost of the work. For comparison - the average rate of insurance is 0.6-0.8% of the value of the thing in a year.
In addition, the insurance company may put forward certain demands on the conditions of storage items. According to collectors, sometimes the insurer requires that the entire collection was kept in a safe - and that this condition often fails (still a work of art created in order to enjoy them) and refuse collectors insurance. However, it is rather an exception to the rule - usually an insurance company insists on the sole to the room, which houses the collection was an ordinary alarm.
But the rest of the insurance collections and antiques like a normal property insurance. The more security measures made the owner of the collection, the cheaper it will cost him an insurance policy. The lowest fare will be released if the items are stored in a vault, in a guarded room, equipped with fire alarms or fire-extinguishing system. If the collection is stored on the first or the last floor of the building and the windows do not have gratings - rate will be higher.
From what you can to insure the collection?
Typically, insurance companies offer insurance works of art and antiques from the standard set of risks, which includes fire, lightning, gas explosion, mechanical damage due to natural disasters, burglary or robbery, unlawful acts of third persons, damage from water supply, sewage , heating systems and fire, vandalism. The "vandalism" will not be the case if, say, a collection of porcelain elephants accidentally broke your child - according to the rules of insurers, damages are awarded only when "acts committed by third parties that do not have any relationship with the insurer, not leading with the joint economy and not living together. "
If an insured event occurs
In the insurance case - fire, flood, theft, etc. - The owner of the insured property shall first of all to "take measures to save" thing - call the fire department or police, to make works of art from the flooded room. Otherwise, the insurer will reduce the amount of insurance payments for "inaction". After the first steps have been taken, you must immediately call your insurance company.

Ratings known to the insurer and the use of their services

Results: the ratio of levels of knowledge and using the services of insurance companies
Choose one statement for each insurance company that best meets your perception of the company (data from the regular survey "Monitoring the retail market. Insurance Companies" for the IQ09).
The study found that the most pronounced commitment to consumers to "Rosgosstrakh" and "Ingosstrakh". For example, a quarter of respondents said they would prefer to use only the services of the company first. The second organization voted about one fifth of the respondents. Third place was taken, "Spassky Gate," which is sympathetic to the 9% of study participants. Interestingly, in the remaining companies have not shown people strong attachment, which indicates that customers are willing to consider the proposals and select the various insurance companies to find the most optimal option.
The study also showed that most people, deciding on the choice of an insurer's still considering several possible options for themselves. For example, more than one third of respondents indicated they would prefer to use the services of "Rosgosstrakh" or "ROSNO", another 30% were not averse to storudnichat with "Ingosstrakh". Note that, despite the fact that many (38%) were willing to consider the proposals as "Rosgosstrakh" and "ROSNO", the latter on the degree of commitment to consumers lagged behind rival by 20 percentage points. In general, we can conclude that the vast majority of respondents were uncritically to insurers that operate in the domestic market. Even those organizations which are ill-informed many respondents have a chance to get its customers, who expressed their willingness to use the services of these organizations in some circumstances. Such circumstances may include discounts, promotions, recommendations of friends, the presence of offices in other cities, etc. Only a small proportion of respondents (less than 5%) expressed the address of a company a certain dissatisfaction, noting that she would never take advantage of its services Due to the presence of negative experience, which is associated with it.
From the above, you can make one conclusion: the greater the popularity of the company, the more people who want to work directly with her. Thus, only less than 3% of the participants noted that the first hearing, for example, the "Rosgosstrakh" or "Ingosstrakh". For comparison, more than half of the respondents have not heard anything about "of Czech insurance company," the "Energogarant." Accordingly, the first want to work at least 21% of respondents. While little known to any company willing to work no more than 3%. As an exception can be identified except that "Spassky Gate," which, in spite of the occupied third place in terms of commitment to consumers is not known for 11% of respondents. Approximately the same number of people who, on the contrary, customers are willing to be solely this organization. Most likely, this situation can be explained by the fact that this company, the study found, is much broader than is known to Muscovites, rather than the inhabitants of the regions, many of whom have never even heard of the existence of such insurer. But the majority of respondents from the capital know him and appreciate.
I would also like to note that "Rusgosstrahu" and "Ingosstrakh" managed to create the most favorable image, to be able not only to obtain fame and trust of both real and potential customers, but also to create a holistic view of himself. Thus, only 2% and 4%, respectively, found it difficult to characterize these organizations. The rest of the study participants readily appreciated their work and the evaluation was positive.

Intrepid vacationers

Why do we treat with suspicion to the property insurance? We hope to chance, or just do not know how it works?
Recently, the "Personal Budget" planned to find out why so few Russians insure the property? (An exception is auto). In a poll on our site responded to more than 200 people. It turns out that almost 40% think it is unprofitable: the insurance premium (annual fee) you pay on a regular basis, and payment amount if the insured event is usually less than the damage. However, more than 20% of uninsured citizens still believe that the insured must, and soon going to do it. Approximately the same number are not insured because of Russian habit to rely on chance. But when the thunder clap, baptized will be late ...
On what is the conclusion that the insurance is not profitable? The negative experience of friends? Media reports? Perhaps respondents simply did not know or do not think that such insurance and why is it necessary? Do not anyone try to campaign for or against, let's just explain in general terms, the structure of property insurance and how to approach it. Subject is extremely wide, so take for example the insurance program villas, especially as the warm season comes to an end, many gardeners leave the city and its suburban housing will be left unattended.
ALL AROUND MY
Cottage - this is not just a house in the village. This is a complete set of "pleasure" - and gardening, and sauna, and even built with love and effervescent color painted to protect from prying eyes fence (sometimes very expensive). All this can also be included in the contract, but the fear in the first place the house itself. Enter into a contract with an insurance company could anyone, such as relatives of the owner. But when the insured event will be able to pay only the owner. This means that documents the ownership rate facilities must be in order, otherwise compensation can not see. In this case a certificate from the BTI is usually not required. In "ORANTA Insurance" it is not prompted or at the conclusion of the contract or the payment of compensation. The same approach for IC "consent." If the documents of title to land is, and the BTI building is not registered, "Consent" can ask for help from the owners association board a garden or village council. In this document, the local administration confirmed the legality of the construction of buildings on the site, its affiliation and a brief description. By the way, some insurance agents also offer assistance in the registration of ownership of the land, according to still continue to operate under relaxed conditions (the so-called "dacha amnesty", which in fact is not lightweight, and highly bureaucratized) and the registration of buildings in the BTI.
What's in the house to be insured? First of all, the very construction: foundation, frame walls, ka-nalizatsiya and running water. Additionally, you can insure the finish, as well as "stuffing" cottages - furniture, appliances, equipment and other valuables, until the carpets and pottery. Even the transportation, for example, a motorcycle or a bicycle path that is stored in a suburban garage, too, may well become the objects of insurance to the list of assets attached to the contract.
Now get out on the porch and look around: literally everything that we see can be prescribed in the contract as the objects of insurance - hozblok, sauna, greenhouse, fence. More recently, insurers offer insurance elements of landscape design - a pond with frogs, flower beds and gazebo. "In addition to the main structure at the request of clients we can insure the elements of landscape design, but with some exceptions, - the company" ORANTA Insurance. " - It must be inanimate objects, structurally attached to the surface, such as a statue, fountain, lantern, and laid on the tracks near her house. "
Interestingly, some insurers even offer to insure a fertile layer of soil. Such a proposal is, for example, the companies' Uralsib Insurance "and" consent. " When an event caused by natural disasters or man-made factors, the owner compensate the cost of replacing the topsoil.
All these options can be included in the contract all together (whole package), or select some individually. Importantly, however, that option is included to insure the house. In other words, to insure a separate fence or a garden bench is impossible.
FIRE, WATER and burglary
Besides the question of what is insured, you must still answer the perennial question: from what? Most clients are offered a standard set of risks - at the head of the list are always fires of various origins: domestic (nepotushennaya cigarette, a spark from the stove, gas cylinder explosion, etc.) or due to the element (eg lightning). The fire - the main enemy of the cottages, and because tariffs on wooden houses are higher than in the stone (brick, block). Further there are all sorts of water hazards: failure in water supply systems, heating, sanitation, flood and other natural disasters. Separately prescribed "shock" effect: the fall of trees, poles and masts, impact of transport and even falling aircraft.
Another important section in the list of risks in an official language is called "wrongful acts of third persons." This term encompasses all kinds of "criminality" - theft, robbery, robbery, hooliganism, vandalism. All of the above - not synonyms, but very different types of offenses. Generally risks are not itemized in detail in the contract, and "Rules of insurance," which are an integral part of the contract. Learn the rules in detail before signing the contract to avoid surprises when the insured event. It happens that some compensation insurance programs can be obtained without resorting to the competent authorities - rather, if the representative of the insurer to come and assess the damages. But in the case with every kind of theft and hooliganism without a statement to the police and the protocol can not do.
As the objects of insurance, all of these risks can be insured package, and you can individually. However, the "wholesale" version is more profitable - one only to fire insurance is not less than half the cost of insurance for the full package of risks.
Who are the judges?
The next question is estimated to amount of coverage? The price of BTI, it is very far from the market, never the basis for not taking. Usually, the insurer offers individual programs, the maximum amount of cover (sum insured) on the basis of how many currently on the market price will be worth building a similar house in the same place. From this amount, using the factors set calculate the annual premiiyu - the price of an annual policy. For example, calculate the cost of insurance on the old stove does not have a wooden house in the suburbs (up to 100 km from the capital) to finish, but not household goods. We choose the smallest, but not the highest sum insured - £ 1 million, multiply it by the market average insurance rate of 0.65% and obtain a premium: 6500 rubles. a year.
Insurance rates usually do not differ in Moscow and regions of the country. But the price of the policy in this area outside the capital, and generally lower, as other tariffs are applied to the estimation of most buildings. That is understandable: the construction and materials in regions less.
The higher the maximum coverage, the higher annual fee. The most common property of the insurer estimates, part or in absentia. In the first case, it leaves in place and inspect the construction and management, describes and calculates at special rates to the cost, based on the average market price, net of depreciation. If the client does not agree with the assessment, you can call an independent appraiser and get his opinion. But the visit will be paid.
The above applies to individual insurance programs. But now on the market gaining popularity Express program, which limit the amount of insurance (usually about 1 million rubles, while the thresholds are different from company to company) and offer the facilitation of the contract. In practice this means that the agent is going nowhere, and property owners appreciate the words. Sometimes you want to photograph the building. Express policy is usually issued for 12 months. Individual programs, justifying its name, is much more variant - you can be insured at least for a few days (but the shorter the maturity, the policy will cost more). But in principle, be insured for the season - winter or summer - the wave is possible.
Keep in mind that the sum insured - not what the customer gets in any more or less unpleasant incident with its countryside management. This is the maximum that it will receive, if killing all cleaned. Perhaps in part why our citizens, and formed the opinion that "you get is always less." However, according to representatives of insurance companies, in most cases, the amount of the premium paid for the customer is much less than the amount of damage that are covered by the contract. Usually it happens: when the insured event comes on the scene, the representative of the insurance company. Small losses (about 100-150 thousand rubles). He evaluates himself. But if the damage is great or property lost at all, if you want a more detailed examination, called specialists, appraisers and conducted a thorough investigation and research. In calculating the compensation are based on the real cost of repairs based on market prices for materials and work, as well as the wear of construction. What if the client does not agree with the conclusions of expertise? The path is the same: the challenge of an independent appraiser, and if you can not come to an agreement with the insurer - the court.

What you should know about going abroad, but were afraid to ask

Going abroad on holiday, it should be remembered not only for the cream to tan, beach slippers, and quotes prices on fur coats. It should keep in mind that you are traveling to a country with (mostly) different climate, different culture in general and food in particular.
Many of us abroad are doing things about which to place of residence and not thinking: camel races, visits to places of dubious microflora (the tomb, for example), skydiving, and without him ... I'm not talking about the uncontrolled use of alcoholic beverages, excessive even for our mighty country.
In general, even without a lot of the above factors, which may be due to a situation where medical consultation is necessary.
Accordingly, the acquisition zagranputevki should take care of the medical insurance policy for traveling abroad.
Today the first part of the material, we consider the main factors to consider when purchasing such an instrument.
Let's start with the main
Often when buying tickets, smiling tour operator offers you to purchase insurance conditional insurance company "XXX", he says, they are such good conditions offer the customer - right everyone who bought a policy, unspeakably happy.
Our advice: take a pause for reflection, because the issue is very important. If, God forbid, there will be a situation in which to do without a visit to the doctor does not need to be confident in the reliability of the IC.
Look for reviews on the Internet, call your insurance representative to a country where going to go. Take a tube, and if you take as you seek - shakes into their heads, even if the operator speaks Javanese dialect of Indonesian language.
However, we caution you select only one IC does not end there, but only the beginning. In the minds of many Russians, alas, there was the concept that the insurer must pay for everything, always. Therefore, in the minds of our population is growing confidence that with the IC "is something you can always peel" and "she did all of us should."
But this is not the case. The insurance company, or rather its services, we need in case of emergency, and "something tear" with her only in the case of insurance. The fact that this is NOT the most case, see below.
What you should not count on when traveling abroad
It is always useful to read the contract with the insurance. Do this at least 2 times a day, and your hair will be strong and silky. Treaty - a document that spelled out your relationship with the SC. Now we will focus on those cases in which the money you will not receive, as well as free treatment.
- You are a little bit or even mnozhko pregnant. Sorry, insurance, first of all, provides you with emergency treatment, the discharge of which the pregnancy is not included. There can be such that you are going to leave, not knowing that you produce a baby over a period of time, and then rrraz! - And here is the fight.
However, it should be remembered, and the following:
- If you are at the time of serious health problems were in the influence of alcohol, drugs or toxic, for free medicine or reimbursement of expenses should not count;
- A case of suicide, and intentional harm to the health of the insured person's own or others as a result of prior agreement with the victim - as the insurance is not recognized;
- If you decide to steer an airplane or another pilot, not having the appropriate qualifications, you decided to ride, in case (God forbid) the crash of a state of emergency physicians have to pay out of pocket. However, if you were a passenger aircraft of civil aviation, managed a professional pilot, then the case, in which you get an injury, may be recognized as insurance;
- By the way, if you are injured, trying to take the purse from the world champion in karate or zanimalisdrugoy illegal activities in a foreign country, too, will have to be treated;
- As mentioned above, many people abroad do so, as the territory of our country are engaged in a mighty rare. So, the standard insurance of persons traveling abroad should not expect to recover expenses for medical treatment resulting from flight to flight motorless vehicles (balloons, gliders, ultralight aircraft, etc.) If you dream of extreme sports abroad, purchase a special insurance policy for those who like such amusements;
- Are injured while playing football or doing another sport at the professional or amateur level - are treated at their own expense. If you are going abroad to chase a ball or ride horses, as in the previous case, purchase a special insurance;
- Insurance is also generally will not reimburse expenses for medical treatment to those who worked in another state hazardous activities (construction workers, electricians, miners), or was on duty. On the appropriate policy should take care of that organization, under which you are going to harm the health abroad;
- In case of injury resulting from an accident, the insurance can also deny you compensation or free treatment if you have driven vehicle without a driver's license, passing a vehicle in the management of a person without a driver's license or in case of traffic violations;
- Also not on the help of insurance, if nothing special is not specific and are sick, have not received any injuries and just want to take a preventive course at a local hospital with a TV in the room and pretty nurses. You do not get a SC turputevku in a boarding house - you insure for any unforeseen;
- But it's one of my favorite moments: before going abroad, check and treat your teeth. In their treatment not covered by insurance. It is difficult to prove a dentist or insurance that dental caries had developed suddenly during a vacation or a few long stay in a foreign country. At a minimum, you should have on hand the documents from your doctor confirming the absence of problems with teeth and gums at the time of departure.
Do you want to take care of your teeth? Get a special policy.
However, if you experience severe pain, then you need to help;
- It is worth noting the very important point for those who have chronic diseases. It's not your fault and your problem, however, as mentioned above, SC does not pay for a trip to the waters in Baden-Baden, and treatment as a result of accidents or attacks of acute pain when the patient's life on the edge of life and death.
This means that if you are sick for a long time, local doctors are working under a contract with your SC, will treat you for your same account, but the SC, as a rule, pay docking is an acute condition;
- With regard to fungal diseases and illnesses, sexually transmitted diseases, they have to be treated at their own expense;
- Seizure disorder, depression and mental illness as a standard insurance policy is not included in the list of insurance claims. The same applies to the treatment of sunburn and other skin changes caused by exposure to ultraviolet radiation. Exception - children under 5 years old ...

Insurance on his own recognizance

In this part of the material on insurance of citizens traveling abroad is devoted to, alas, there are cases of failure of the trip for any reason. When the case is insured, and when not? This was announced today.
Thus, we consider now the situation relating to insurance risk, "Failure of the trip."
The insurer will pay you the amount due, if:
- Died either you or your close relative;
- Not earlier than 15 days prior to travel with your health (or your close relative), there was a sudden disorder;
- Not earlier than 15 days before the trip was seriously damaged your property as a result of:
* Fire, explosion;
* Natural disasters (earthquake, landslide, storm, hurricane, flood, hail or rain, etc.);
* Flooded with water from the tap water, sewage, heating and other systems;
* Illegal actions of third parties.
Attention: damage to property must be significant (killed at least 70% thereof), a significant impact on the welfare of the insured person (ie you). It is also recognized as a case of insurance, if required your presence is required at registration of the relevant market (due to the design described above);
- You are involved in the trial, and the decision came into force after the conclusion of a contract with an insurance company;
- You do not get a visa for the timely filing of all necessary documents and have been informed in advance about the possible motives of a broker failure consulate;
- Early return from a trip due to illness the death of a close relative (relatives).
It should be noted that reimbursement of the IC you get if you refused to visit:
- In case of planned hospitalization (this is for you is not exactly a surprise, because the date was spelled out in advance);
- In connection with a trip to a spa treatment;
- In the case of cosmetic surgery, plastic and reconstructive purposes;
- In connection with death, injury or illness as a result of suicide or attempted suicide;
- In case of injury in a state of alcoholic, narcotic or toxic intoxication, or when, you were responsible for the situation that led you to the hospital;
- If you are bringing a criminal charge or process in violation of criminal law;
- In connection with the transfer time out on the initiative or because of a travel company or transportation company (in this case will have to deal directly with these organizations);
- Due to the inability to travel abroad due to natural disasters, accidents, disasters, war, terrorist acts, strikes (first, you need to know where you are going - see Politreview, weather, etc., and secondly the disaster, people's anxiety, and other wonderful things seem unexpected only at first glance);
- Due to injury or poor health a close family member who can get along without your help.

How to avoid becoming a victim of insurance fraud

In any even slightly larger structure (company, institution, etc.) there is always the one who puts personal interests ahead of not only corporate, but also, at times, wider framework of the Criminal Code.
Today we will briefly tell about just such dishonest in a decent herd sheep - a dishonest insurance agents. To begin with let us explain: not all agents - con artists, and they certainly never work under the auspices of the insurance company. They hide behind her name, but deceiving the employer as well as klienta.Obmanut our man, alas, is quite simple. If only because the average Russian does not know their rights, nor, often, basic rules of design documents.
Here's an example: the contract of insurance fraud may make a "random" error in the Name of the owner of the car or brand of the iron horse. In my eyes it is not immediately evident - Psychologists argue that people mostly read the first two and last letters of the word, while the mean simply "swallowed."
Subsequently, the car owner will be difficult to prove that he is not "Ivankov," and "Smith", and when the insured event does not receive compensation.
If the customer said the discrepancy, it is not a reason to rejoice: can cheat and here. For example, offering cover up a mistake or dashing. However, the scammer advises the victim that a formal document with corrections have no effect. It should be rewritten, and spoiled the form attached to a regular, because the IC is in the strict accounting policies and other paper products.
Thus, the agent assigns the client paid the money itself, but the latter will be difficult to prove that he had been deceived.
Here is a very common case. For the sake of saving time impure into the hands of an agent can write the original contract, and a duplicate - later. Say, "I'll fill all - do not worry." A need to worry, because he can write duplicate other data. In this case, the original contract will be invalidated, and the money will move into the pocket of fraud. What kind of money? For example, in a document listed a brand of car, the document B - other (which is cheaper to insure). What is the output? The output of the agent picks up the difference themselves, and the client does not receive a penny when the insured event.
Where to look on the council scam? In the cases described above - in the home, and carefully store our peace enforcement authorities (responsible for such violation provided the Criminal Code (article 159 "Fraud"). But if, for example, an agent, when signing the contract hid from you a few details that might influence your decision on the deal, the need to complain to the insurance company.
SC interested in that, in their ranks was not dishonest sheep because they suffer from the reputation of the company, and revenue.
What to advise a client who does not want to be deceived? Do not skimp. What's not to save? First of all, your time: read, read carefully, ponder over the contracts, check thoroughly what and how to sign up.
Before you enter into a contract of insurance, not too lazy to look for reviews of the SC as well as a specific agent. Also, do not be shy when meeting to get acquainted with your passport, as well as power of attorney for the right to deliver the service, issued by the insurance company.
Your vigilance and accuracy - the best defense against fraud.

Insurance against fire

In the Dutch town of Enschede jokes about the fire are taboo: in its history, it is completely burnt out more than once. It would seem that after the first fire sizzling life had to teach people something though, but they took it, and built a factory in the city for the production of fireworks, and then, as a result of guess what, built up the area again.
 What I have is that all? For property insurance against fire and harmful effects of fire. As with any other type of insurance, we must remember that the insurance company will not pay compensation for all consecutive cases of property damage. The owner should remember that he is responsible for its property and activities, and insurance companies only helps him in the case of fault or negligence of the insured in the insurance risk is not.
Easier to explain the available examples. The sum insured will not be paid to the policyholder if he does not comply with requirements of regulatory authorities, ignoring safety standards and rules of operation of the insured property and premises.
If the insured property is stored near a source of open flame, in case of damage or destruction thereof, damages will be a daunting, if possible at all. As in the case, if the property is damaged due to an error in design or in the presence of a factory or construction defect - then have to collect the money from the manufacturers (builders), but not with the insurance. Again, if these defects are the cause of fire or impeded the work of firefighters.
If, however, cause a fire, for example, the premises became a short circuit, the effect of the induced current, etc., the SC will pay the amount due under the contract. However, here is the important fact to consider: storage of flammable and explosive substances, in some cases takes the responsibility of the insurer. For example, when detonated explosives stored at home. Of course, few of us sleeps with a grenade under the pillow, but the propane cylinder, left in the sun, can play the role of the bomb.
At first glance, the policyholder is responsible for too much, while the insurance covers the cost of only a few cases. But it is not. Very often the fire is the fault of the insured due to breaches of fire safety. For the negligent actions must meet the person or an organization, which is caused by the fire originated or was not promptly extinguished. As for the list of insurance risks, it can be adjusted in accordance with the wishes of the client's insurance company.

Animal insurance

Most of us are fans of four-footed, mnogolapyh, Diptera and other creatures that make our lives more fun and varied fauna. Perhaps only the degree varies man's relationship to animals, at one extreme of the scale there are amateurs who keep the house cat, dog or a parrot, and the other - professionals who have either grown cattle, or at least professionally work with rare and expensive species and subspecies pets, as well as individuals with a pedigreed pets.
In the latter two cases, pet owners are equated to the owners of valuable property, as one, for example, a small dog with a nasty character often stands as three of my salary, because she has a pedigree. Well, on the collective farm and the farmer's cattle call here and there - is the capital of the owner Burenok and other Mu-Mu.
Naturally, when a desire to insure their furry, hoofed, or barking property, you should consider, as appropriate from the viewpoint of economics. For example, care for individuals with rare or exhibition animals with a pedigree often costs money, and in case of loss or the presentation of conditions, any compensation to the owner can not hurt.
I can not say that caring for farm animals is less expensive, and the health of livestock and the number directly, as I said above, depends on the welfare of farmers and Ratings.
Before going to the insurer, be sure to take an honest look into the eyes of their pets, and even better - to evaluate them:
- Age (too young individuals, and "old" to insure in most cases will not be because of being in the category of high mortality);
- Exotic and rare (many tropical animals, for example, are not immune to the usual for our latitude disease or simply difficult to treat them);
- Conditions (impact on price);
- Your experience (similar effect on the amount of payment).
Another important factor is how cost-effective to insure a dog or cat. If a pet costs money and takes medals at exhibitions, of course, need to take care of this.
Also at the rate depends on:
- The number and value of animals;
- The conditions of the animals;
- The presence / absence and size of losses over the past 5 years;
- The size of the franchise.
Who we insure:
- Cattle (with a period of calving);
- Sheep and goats (aged 1 month.)
- Horses, camels, donkeys, mules (at the age of 6 months.)
- Pigs (aged 10 days);
- Birds of different breeds and crosses (aged 10 days);
- Pets.

Safe harbor for your boat

Melted snow and ice behind it, overgrown with grass and trees turned green. Add to that the steady increase in air temperature and the amount we wish to break out of the stone dust under the name "city" in nature.
Not all of us are limited to barbecue on the banks of a river or other body of water. There are those who can not imagine a trip without deprivation of the suburban life of fish, as well as just walking on the water without their own vehicle.
These funds are different and, as experience shows, they also need to insure, as well as common ground. Let the water - it's more relaxed element than the track, but also to use small boats and a sufficient number of hidden pitfalls.
So, why can insure your beloved means of transportation on water? In general:
total loss or damage;
just a total loss;
of embezzlement, theft, loss of a ship without a trace;
insurance liability for the collision with other vessels;
insurance liability for damage to floating and fixed objects.
Naturally, different insurance companies offer different options, which may differ from competitors. I suggest staying on the first two paragraphs as they are most vital.
A. In the event of total loss or damage shall be reimbursed:
· Losses due to total loss of the vessel (actual or constructive) as a result of force majeure or other cases of random during operation and storage vessel;
· The costs of eliminating damage to the hull, machinery, vehicles and equipment of the vessel, obtained during operation and storage of the vessel as a result of force majeure or other circumstances, wearing a casual nature;
· Losses due to loss of the vessel missing, stolen, or theft of the vessel as a whole or its individual parts (* note: in order that the vessel was officially recognized stolen and not stolen, have to wait. So that is insured against theft);
· Loss due to damage or complete destruction of the vessel as a result of unlawful acts of third persons against the insured vessel;
- Also reimbursed the necessary and reasonable expenses for the salvage of the vessel;
· Necessary and reasonable costs to prevent, reduce losses, or the establishment of their size, if such damages are caused by an insured event, provided the insurance contract.
Two. In the case of total loss of the vessel shall be reimbursed:
· Losses due to total loss of the vessel (actual or constructive) as a result of force majeure or other circumstances, wearing a casual nature;
· Losses due to loss of the vessel missing, stolen, or theft of the vessel;
· Losses due to total loss of the vessel as a result of unlawful acts of third persons against the insured vessel;
· Necessary and reasonable expenses for the salvage of the vessel;
· To prevent, reduce losses and determine their size, if such damages are caused by an insured event, provided the insurance contract.
I was given only a basic set of options, but the IC may offer a wider range of coverage of insurance risks. For example, insurance coverage may also be at risk of environmental pollution due to discharge (spill) of oil or other leaks of hazardous (harmful, polluting) substances and wastes.
Since damage to the vessel can be applied not only on the water (collision with other vessel or object) or ground (shipping damage), but when launched.
If you do not forget to negotiate insurance of all risks to insurers, as well as limit the cost.

Features Evroprotokola

Evroprotokol - is a universal form, common throughout Europe, which is itself filled with crash participants without the presence of traffic policemen. Then, with a completed and signed form, participants should only apply to the insurance company for reimbursement.
 Evroprotokol not apply in cases where:
• Participants accident requiring medical care,
• Someone from the participants in road accidents in drug treatment or alcohol intoxication,
• Talk accident fled the scene,
• Any of the participants are not insured for CTP,
• The participants have a disagreement about the accident happened.
For the driver, Evroprotokol good and by the fact that at the time of the proceedings he did not take away the rights and shall not issue a fine. But not everyone knows how and what to do in an emergency.
 7 Steps in an accident:
A. Make sure there are no victims, and all participants are in a "sane". Do not forget about the traffic rules: enable "emergency gang" and set the alarm sign.
Two. Check the policies that fall under the Evroprotokol all participants an accident.
Three. Agree with all participants scheme of road accident. All participants must be a consensus about what happened. If there is disagreement, claim or someone behaving inappropriately - it is better to call the traffic police.
4. Call your insurance company and inform them about the incident. Sometimes insurers send to the scene of his representative (average commissioner) to make a more detailed description of the scene or make sure that does not require a medical examination. It will not hurt just to take photographs the scene.
Five. Begin to fill in the form Evroprotokola. Be careful.
• Complete preferably in capital letters, use the best ball-point pen and write legibly.
• Do not amend or strike out. It's better to Speak all the items.
• Sheets disconnect only after all the completed and signed by all participants in road accidents
6. Within three days, personally notify the insurance company about the accident, leaving a copy of the completed form Evroprotokola.
7. Keep your car in the same form in which it was recorded at the time of the accident before his appraiser will examine the insurance company.
 Evroprotokol removes "headaches" in the form of running around with paper and references, for now the collection of documents passed on to the insurance company. And most importantly, Evroprotokol obliges insurers in the 90-day period to review the application and for the next 15 days to pay.