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.