Voluntary civil liability insurance rosgosstrakh. Insurance company Rosgosstrakh. Features of financial compensation in case of an accident

OSAGO protects the interests of the driver in case of damage to the health and property of third parties. But it often happens that the amount of damage exceeds the maximum payments under this policy *. The rest of the culprit of the accident must be paid by himself. The policy of voluntary civil liability guarantees that the damage will be fully covered by the insurance company. That is, the DGO begins to operate if the payments under OSAGO are not enough **.

Benefits of purchasing a voluntary civil liability policy:

• the sum insured is paid in excess of the OSAGO limit;
• the amount of the maximum payment is determined by the buyer independently;
• the sum insured is not reduced by the amount of the paid compensation, even if the insured events have occurred several times;
• policy options to choose from - one-time or in installments (no interest);
• when choosing payment in installments, the protection is valid from the payment of the first installment;
• service center specialists work around the clock and will always tell you how to act in case of an accident, as well as call emergency services;
• we will undertake to protect the interests of the client in negotiations with persons who have suffered damage.

An insured event under the DGO policy is the infliction of harm to health, life or property of third parties as a result of an accident by the insured or another person admitted to driving a car. The object of insurance is the interests of the car owner related to the need, arising from the operation of the vehicle, to compensate for damage caused to the health or property of third parties.

*Sums insured established in the OSAGO law:
in terms of compensation for harm caused to the life or health of each victim, no more than 160 thousand rubles; in terms of compensation for damage caused to the property of each victim, 400 thousand rubles.

The amount of insurance payment for causing harm to the life of the victim in the event of death is:
475 thousand rubles - to the beneficiaries specified in clause 6 of this article

** The purchase of a civil liability insurance policy is possible only when purchasing a CASCO policy at Zetta Insurance LLC.

Insured in Rosgosstrakh DSAGO. The sum insured is 300 tr., unconditional deductible - liability limit for OSAGO. There was a misfortune got into an accident. 2 victims, the total amount of damage - 500 tr. I thought that the victims of OSAGO would receive - 160 tr. and according to DSAGO - 300 tr, and the rest will have to be reimbursed by yourself. The OSAGO insurer made a payment in the amount of 160 tr. The victims applied to Rosgosstrakh to receive the rest of the compensation. And then it began ... Rosgosstrakh replaces concepts, turns everything upside down and reports that payment is possible only 140 tr. This is motivated by the fact that the deductible in the amount of the liability limit for OSAGO (in this case, 160 tr.) is subject to exclusion from the sum insured, i.e. 300-160=140 tr. I'm just shocked, how come? After all, by agreement (by agreement of the parties), we set the sum insured (the insurer's liability limit is 300 tr, I paid the insurance premium based on this sum insured, but in fact everything is completely different ... Rosgosstrakh is deceiving its customers!
In any dictionary, legal guide, it is indicated that a deductible is a part of a loss (damage) that is not recoverable. Those. it is excluded from the damages. The sum insured is the amount established by agreement of the parties, within which the insurer undertakes to make a payment.
The Rosgosstrakh rules state that the Insurance payment is determined by the Insurer in the amount of the damage caused, but not more than the sum insured established under the Insurance Policy, minus the deductible established by the Insurance Policy.
It turns out a play on words, or rather punctuation marks (execution cannot be pardoned). If you put a comma, everything will be OK and the insurer will reimburse the entire sum insured. And since there is no comma, the amount of harm caused is limited not just by the sum insured (as established by law, but by the sum insured minus the deductible. This is the position of Rosgosstrakh in the court session. They say we ourselves came up with the rules, so they prescribed it, so we deceive whom we want and how we want.

Life in society always imposes certain requirements on a person. To organize one's life in such a way as not to cause harm to others is the duty of every member of society, which is provided for by the modern social contract.

You can, of course, rely on "maybe" and frivolously expect that reality will not bring harsh surprises, or you can prudently insure yourself against troubles and be prepared for any, even the most unexpected, everyday and worldly vicissitudes.

Apartment owners civil liability insurance is a legal relationship between the owner of the apartment and the insurance company, in which the owner of the apartment pays annual insurance premiums to the insurance company (IC).

The insurance company, upon the occurrence of an insured event, is obliged to compensate the damage caused by the owner to third parties (neighbors, utilities or other service companies).

A prerequisite for determining an insured event for this type of insurance is a causal relationship between the operation of housing and the damage caused to third parties.

Relations between the insurer - IC and the owner - the insured are regulated by Chapter 48 of the Civil Code of the Russian Federation and the Insurance Rules of the IC to which the owner of the apartment applied for an insurance policy.

The presence of mutual rights and obligations under insurance is confirmed by the insurance contract or insurance policy.

Rosgosstrakh clients can now insure an apartment online

The online insurance program provides fixed options for sums insured and insurance premiums. At the choice of the client, it is possible to insure the interior decoration of the apartment, engineering equipment, household property, as well as civil liability. To get the calculation, you will need to enter the name of the settlement where the apartment is located, and the number of rooms.

Clients can choose from three insurance coverage options: Economy, Standard and Elite.

New insurance program - Rosgosstrakh Kvartira

The result of the efforts of the company's specialists was the Rosgosstrakh insurance program, which was launched on March 1 this year throughout Russia.

In Kursk, its presentation took place last Wednesday. Konstantin Surzhikov, the head of the branch of OOO RGS-Center - Office for the Kursk Region, spoke about the insurance novelty to representatives of the Kursk media at a press conference held on this occasion.

Statistics show that in 2005, 1,183 fires were registered in the Kursk region, the material damage from which amounted to more than 17 million tons.

Insurance news

Last week, Rosgosstrakh concluded several housing and household property insurance contracts with a liability limit of 23 million to 400 million rubles. Two houses, a residential building and a city apartment are provided with insurance coverage, the products of Rosgosstrakh Dom Prestige, Rosgosstrakh Dom + Prestige Apartment, as well as a special project for working with VIP clients are involved.

A house in Vladivostok under the Rosgosstrakh program The Prestige House is insured by the Primorsky branch of the insurer: the structural elements of the building, its interior decoration and engineering equipment, additional buildings and household property are provided with insurance coverage for the full package of risks.

Extended civil liability for the apartment Rosgosstrakh

Imagine that you are renting an apartment, and your tenants flooded their neighbors, who will be responsible for this? You and only you! Because you are the owner! The second example, you are leaving for a long time to the country house or even abroad, and you have property in your apartment that is a pity to lose, and in this case, apartment insurance will be the right decision. Why? Let's see, let's say you rely on your burglar alarm with remote control, but no security company has sufficient financial and legal resources to undertake the obligation to in good faith compensate for damage to the client's property.

Floor repair, master site

We offer you two insurance products, depending on your wishes and the objects that you want to protect: ROSGOSSTRAKH-KVARTIRA "Active" and "Prestige". These products allow you to practically "design" apartment insurance, based on what exactly you want to insure. You can insure individual objects and elements of the apartment or the entire apartment.

ROSGOSSTRAKH launched the Apartment Insurance service

ROSGOSSTRAKH has launched a new online service. Now the company's clients will be able to insure their property on the website www.RGS.ru in just a few minutes. To draw up an insurance contract, you only need a passport number.

The online insurance program was developed on the basis of the ROSGOSSTRAKH Active product, it provides for fixed options for insurance amounts and insurance premiums.

Insurance in questions and answers

Since housing is obtained by hard hard work, civil liability insurance for apartment owners in Russia is a rather relevant topic. Do not regard this type of service as another way to "pump out" money. Separate apartment insurance is also beneficial and has great advantages, the civil liability of the owners in this case falls on the shoulders of the insurance company.

Living in an apartment, there is always a certain risk that circumstances will arise in which damage to neighbor's housing will be caused through your fault.

Apartment insurance in Rosgosstrakh

Each person who decides to insure his apartment has his own reasons. Perhaps he plans to go on a long business trip and is afraid to leave an empty apartment. Or the homeowner is thinking about renting it out and wants to protect himself from financial losses due to careless operation of the apartment. In addition, many people want to insure their civil liability in case of flooding of their neighbors, fire in their own apartment, etc.

allows you to fully protect yourself.

Flood and bay insurance

Many companies now offer flood insurance. The service consists in compensation for material damage in the event that water has penetrated into the housing from neighboring apartments or as a result of natural disasters.

protects interior decoration and home renovation. If, due to natural causes or as a result of broken pipes, the apartment is in the water, the insurance company undertakes to pay compensation to the insured person equal to the cost of repairs.

Apartment insurance against flooding and fire: cost and reviews

Today, only a small percentage of residents of the Russian Federation and other CIS countries are interested in real estate insurance issues. What can I say - many homeowners consider insurance to be a waste of money, believing that a roof and four walls will save them from all troubles. However, this is not the case. According to statistics, hundreds of people suffer from fire and flood every day, for most of whom the loss of their only home becomes an almost irreparable loss.

After thinking carefully and calculating the possible unforeseen costs, not only financial, but temporary and moral, any sane person begins to realize the full benefits of voluntary home insurance.

In this article, we will consider the price list for issuing an insurance policy using the example of several Russian insurance companies and give various customer reviews about the service provided.

Apartment insurance

Are you renting an apartment or leaving it unattended? Would you like to maintain good relations with your neighbors for a long time? Do you have property that you regret losing?

Unfortunately, fires always happen unexpectedly. The thieves won't warn you of their plans either. And Sunday laundry can turn into flooding of neighbors from below, as washing machines break down at the most inopportune moment. As our practice shows, insured events can be countless.

The latest major man-made disasters are a vivid confirmation of this. Insurance is an effective tool for protecting the financial interests of business owners.”

Alina Malysheva, Head of the Liability Insurance Center of ROSGOSSTRAKH, and Aleksey Isakov, Director of Science at the City Center of Expertise Group of Companies, held a round table dedicated to civil liability insurance for owners of hazardous facilities.

Rosgosstrakh official website: DSAGO

rgs.ru.

Information about DSAGO Rosgosstrakh is provided in a separate section on the official website of the RGS, which provides a complete description of this insurance product. It is also possible to purchase a DSAGO policy at IC RGS if the OSAGO policy was purchased from another insurance company. The rules of the voluntary "autocitizenship" of the IC RGS are enshrined in the document "Rules of voluntary insurance of civil liability of vehicle owners" No. 150 of 30.

Rosgosstrakh civil liability insurance

The main services of Rosgosstrakh are focused on individuals: personal insurance, auto insurance (CASCO, OSAGO, DSAGO, Green Card), property insurance, compulsory personal insurance, as well as life and liability insurance.

About three thousand agencies, departments and claims settlement centers make up the general network of the Rosgosstrakh group. The number of employees of the organization exceeds 97,000 people, including over 60,000 insurance agents.

ROSGOSSTRAKH, Moscow

00 RUB. An open request for proposals is announced. Request subject Provision of services for liability insurance of members of the Board of Directors and the person exercising the functions of the sole executive body of the Company The initial maximum price of the contract is 6927.93 US dollars. Provision of risk insurance services during the performance of work on the overhaul of common property in apartment buildings located at the following addresses:

Rosgosstrakh-Ramenskoye. rf

In such cases, security companies offer to conclude an agreement with an insurance company in order to protect the client's property. So, if you want to maintain good relations with your neighbors and you have property that is a pity to lose, then apartment insurance is a must for you!

Of course, fires in apartments are not as common as in private houses, but if they happen, it is always unexpected.

Flood and bay insurance

The price of flood insurance depends on the condition of the apartment, the repairs carried out, the state of communications and the selected program.

Many insurance companies offer to insure the apartment against flooding and flooding of neighbors, that is, civil liability. If the insured person became the culprit of the flooding of neighboring apartments, the company pays moral damages to the affected persons.

Travel insurance Rosgosstrakh

This type of travelers is required when applying for a visa to a number of countries. Tourist insurance "Rosgosstrakh" for a visa may have a minimum coverage or extended, using additional options.

From accidents - provides for the payment of monetary compensation in case of loss of legal capacity, disability or death as a result of an accident that occurred during the trip.