If the Policyholder fails to fulfill the obligation provided for in clause 2.11, and also if the Policyholder objects to changing the contract in the case provided for in clause 5.5, the Insurer has the right to terminate the contract by notifying the Policyholder. The insurer is not entitled to demand termination of the contract if the circumstances provided for in clause 2.11 have disappeared before the onset of insured event. 7.12. In case of early termination of the contract, the premium paid to the Insurer shall not be returned to the person who paid it. 7.13. In cases of early termination of the contract for the reasons specified in clause 2.2 of this contract, as well as in cases provided for in clauses 7.10 and 7.11 of the contract, the Policyholder shall pay to the Insurer the expenses incurred by the latter in the course of drawing up the insurance act or in the clarification of the circumstances provided for in the above paragraphs. 7.14.

Property insurance contract sample form

Insurance payment is made after drawing up the insurance act. The insurance act is drawn up by the Insurer or a person authorized by him. If necessary, the Insurer shall request information relating to the insured event from the competent authorities, and shall also be entitled to independently determine the causes and circumstances of the insured event.
The insurance act must be drawn up no later than after the submission by the Insured or his heirs of the documents provided for in paragraphs. 3.1 and 3.2 of this agreement. 3.4. If, upon the occurrence of an insured event, a criminal case, civil proceedings or proceedings on the imposition of administrative penalties are initiated, the Insurer has the right to postpone the decision on the payment of the amounts due until the relevant decision is made by the competent authorities. 3.5.

Property insurance contract

Important

Obligations under this Agreement shall terminate in other cases, statutory. 7.15. Termination of the agreement does not release the parties from liability for its violation. 8. PRIVACY 8.1. The terms of this agreement additional agreements to it and other information received by the Insurer in accordance with the contract are confidential and not subject to disclosure.

DISPUTES RESOLUTION 9.1. All disputes and disagreements that may arise between the parties on issues that have not been resolved in the text this agreement, will be resolved through negotiations on the basis of the current legislation. 9.2. If disputes are not resolved in the process of negotiations, disputes are resolved in court in the manner prescribed by applicable law. 10. ADDITIONAL TERMS AND FINAL PROVISIONS 10.1.

Additional terms under this agreement: . 10.2.

Property insurance contract

In this case, an additional insurance premium is payable in the amount and in the manner prescribed by the agreement of the parties. 5.4. The Policyholder, in agreement with the Insurer, has the right to reduce the sum insured. In this case, the overpaid part of the insurance premium shall be refunded to the Policyholder in proportion to the reduction.
If the insurance premium in the new amount is not fully paid, then the parties make changes to the contract regarding the procedure for payment and the amount of regular contributions. 5.5. The insurer, notified of the circumstances specified in clause 2.11 of this contract, has the right to demand a change in the terms of the contract, including the payment of an additional insurance premium in proportion to the increase in the risk of an insured event in accordance with the Insurance Rules. The insurer is not entitled to demand amendments to the contract if the circumstances specified in clause 2.11 of the contract have already disappeared.

5.6.
Obligations under the contract terminate ahead of schedule in the event of the death of the Policyholder (if the Policyholder is an individual), liquidation of the Policyholder (if the Policyholder is entity) before the occurrence of an insured event, except for the case provided for in clause 5.3 of the contract. 7.4. Obligations under the contract are terminated early in the event of reorganization of the Insured - a legal entity, if the Insurer has not agreed to the transfer of the rights and obligations of the Insured under this contract to its successor. 7.5. Obligations under this contract are terminated in the event of a forced seizure of the insured property, when the possibility of such seizure is provided for by law, or in the event of the Insurant's refusal of ownership of the insured property.
7.6.

Attention

In the event of an insured event that caused the death, loss, shortage or damage to the insured property, the Insurer is obliged to pay to the Insured insurance compensation within after receipt and compilation of all required documents specified in this agreement. 2.4. Insurance indemnity is paid in the amount of the part of the losses incurred by the Insured, equal to the ratio of the sum insured to the insurance value. The insurance indemnity cannot exceed the insurance value.

Losses are real damages, i.e. expenses that the Insured has made or will have to make to acquire or restore the lost, lost or damaged insured property. 2.5. In the event of the death of the Insured, who did not have time to receive the insurance compensation due to him, the payment is made to his heirs. 2.6.

Catalog of organizations in Kazakhstan and sample documents

RESPONSIBILITY OF THE PARTIES 4.1. The party that has not fulfilled or improperly fulfilled its obligations under this agreement is obliged to compensate the other party for the losses caused by such non-performance. 4.2. For delay in payment of the insurance indemnity, the Insurer shall pay to the recipient of the insurance indemnity a fine in the amount of % of the insurance indemnity for each day of delay. 4.3. For delay in making the next insurance premium, the Policyholder shall pay to the Insurer a penalty in the amount of % of the amount of the unpaid insurance premium for each day of delay.

4.4. A party for non-payment or late payment of amounts due to the other party under this agreement must pay interest to the other party in the amount of % of the amount due for each day of delay. 4.5. The collection of penalties and interest does not relieve the party that violated the contract from the performance of obligations in kind. 4.6.

Info

Property insurance refers to one of the 2 branches of insurance, which provides a variety of types of insurance set to protect property interests. Objects of the contract property insurance Objects include:

property interests that are associated with the use, possession, and disposal of property;
implementation entrepreneurial activity;
civil liability insurance.

Under an insurance contract, the insurer is obliged to fully compensate the insured or other person for losses caused by some event. However, the property must be insured. AT this document the amount of the sum insured, the insured event and the period of validity of the contract must be indicated.

The object of insurance is (the risk of loss (destruction) or damage to property (name the property) due to ... (name the insured event (theft, fire, disaster); the risk of losses from entrepreneurial activities due to a breach by the counterparty (its name) of its obligations under the contract. N from etc.) 1.3. Upon the occurrence of an insured event specified in clause 1.2 of the contract, the Insurer pays (to the Insured, Beneficiary) during the damage caused within - (term) . (rubles, the equivalent of US dollars, Euros) 1.4. The amount of the insurance premium is - and paid (rubles, the equivalent of US dollars, Euros) by the Insured. (term, date) 2. RIGHTS AND OBLIGATIONS OF THE PARTIES 2.1. The Insurer is obliged to observe the secrecy of insurance and disclose information relating to the financial condition and activities of the Insured. 2.2.

Completed property insurance contract download

The insurer is obliged to issue an insurance policy to the Insured within days from the date of conclusion of the contract. 2.7. In case of loss during the term of this agreement insurance policy the persons specified in clause 2.6 shall be issued a duplicate of the policy on the basis of a written application. After the issuance of a duplicate, the lost policy is considered invalid, and insurance payments it is not produced.
In case of repeated loss of the policy during the term of the contract by the persons specified in clause 2.6, they pay the Insurer a sum of money in the amount of the cost of producing the policy. 2.8. insurance premium paid by the Insured in installments in the order of calculation. The premium is paid monthly no later than the day of each month within months in equal installments of rubles. The policyholder may, at any time, pay the remainder of the premium or contribute monies against subsequent premium periods. 2.9.

Property insurance contract sample download

Insurer", on the one hand, and gr. , passport: series, No., issued, residing at: , hereinafter referred to as the "Insurant", on the other hand, hereinafter referred to as the "Parties", have concluded this agreement, hereinafter referred to as the "Agreement", as follows: 1. SUBJECT OF THE CONTRACT 1.1 . According to this contract, the Insurer undertakes, upon the occurrence of one of the insured events stipulated in the contract that caused the loss, destruction, shortage or damage of the property specified in the contract, hereinafter referred to as the "Insured Property", to pay the Policyholder the insurance indemnity specified in the contract within the amount specified in clause 1.2 (sum insured), and the Insured undertakes to pay an insurance premium in the amount of rubles in the manner and within the time limits stipulated by the agreement. 1.2. The object of insurance is the following Insured property: .

2. RIGHTS AND OBLIGATIONS OF THE PARTIES 2.1.
PROPERTY INSURANCE CONTRACT » » N , (name of the insurance organization) hereinafter referred to as the "Insurer" (license for insurance activities N from) in the person (position, full name) acting on the basis of (Charter, Power of Attorney, etc.) and, (name of the legal entity, Full name of the entrepreneur) acting on the basis of (Charter, Regulations, concluded this Power of Attorney, Certificates - their N, date) agreement on the following: 1. SUBJECT OF THE AGREEMENT 1.1. The insurer undertakes to indemnify, upon the occurrence of an insured event specified in clause 1.2 of the contract, (to the Insured or the Beneficiary - his name, address) for damage to the interests insured under the contract within the amount specified in clause. 1.3 of the agreement, and the Insured undertakes to pay the amount stipulated by the agreement (insurance premium). 1.2.

In order to avoid certain material losses in case of property damage, it must be insured.

There are a great many organizations on the market that deal with insurance and the choice of the appropriate company is an individual matter for each owner. real estate. And in order to profitably insure property, you need to carefully draw up a real estate insurance contract.

The contract is a documentary confirmation of the relationship between the insured and the client. In the event of an insured event, insurance company undertakes to pay the client the amount agreed upon in the agreement.

Conclusion of an agreement

Under the contract, any part of the property can be insured. The insurance indemnity cannot exceed the real value of the real estate at the time of the conclusion of the agreement.

If the insurance payment exceeds the cost, then such an agreement is invalidated. Making an agreement in writing is integral part agreements.

The contract is concluded for a period of one year or for an unlimited period. If the term is unlimited, then the agreement is considered extended at the time of receipt of 20% of the annual payment.

Components of a real estate insurance contract

An insurance transaction has the possibility of drawing up on one document or issuing an insurance certificate, policy, receipt, certificate on the basis of an application.

The agreement includes the following items:

the essence of the agreement. This paragraph indicates the object of insurance;

document's name;

data of the insurance company, full name, addresses, telephones;

information about the insurer;

the sum insured;

conditions of insurance risks are prescribed either exclusions from risks, or a list of them;

the amount of the insurance premium and the procedure for payment;

the urgency of the agreement;

rules for terminating or amending the contract;

other conditions and additions;

signatures.

As practice shows, the insured cannot always receive insurance payments.

If the client intentionally caused damage to property, committed a crime that led to an insured event, provided false information about real estate or received money for damage from the person who caused the damage, then sum insured impossible to get.

The law also states that insurance organization gets rid of the obligation of insurance payments in the event of: military (combat) maneuvers, actions of a military nature; nuclear explosion, radiation exposure; popular uprisings and civil wars.

The insurer is released from the obligation to pay insurance compensation for damage caused by the confiscation, destruction, requisition, seizure or arrest of the insured real estate at the direction of the authorities, unless otherwise provided by the agreement.

The provision of the agreement may prescribe other grounds for refusing to pay, if this does not contradict the law of the Russian Federation. The decision to refuse payment of the sum insured is made by the company and notified to the policyholder in writing with important explanation refusal circumstances.

Below is a standard form and a sample real estate insurance contract, a version of which can be downloaded for free.

In order to avoid certain material losses in case of property damage, it must be insured.

There are a great many organizations on the market that deal with insurance and the choice of the appropriate company is an individual matter for each owner of real estate. And in order to profitably insure property, you need to carefully draw up a real estate insurance contract.

The contract is a documentary confirmation of the relationship between the insured and the client. In the event of an insured event, the insurance company undertakes to pay the client the amount agreed upon in the agreement.

Conclusion of an agreement

Under the contract, any part of the property can be insured. The insurance indemnity cannot exceed the real value of the real estate at the time of the conclusion of the agreement.

If the insurance payment exceeds the cost, then such an agreement is invalidated. Drawing up an agreement in writing is an integral part of the agreement.

The contract is concluded for a period of one year or for an unlimited period. If the term is unlimited, then the agreement is considered extended at the time of receipt of 20% of the annual payment.

Components of a real estate insurance contract

An insurance transaction has the possibility of drawing up on one document or issuing an insurance certificate, policy, receipt, certificate on the basis of an application.

The agreement includes the following items:

the essence of the agreement. This paragraph indicates the object of insurance;

document's name;

data of the insurance company, full name, addresses, telephones;

information about the insurer;

the sum insured;

conditions of insurance risks are prescribed either exclusions from risks, or a list of them;

the amount of the insurance premium and the procedure for payment;

the urgency of the agreement;

rules for terminating or amending the contract;

other conditions and additions;

signatures.

As practice shows, the insured cannot always receive insurance payments.

The law also stipulates that an insurance organization is relieved of the obligation to pay insurance payments in the event of: military (combat) maneuvers, military actions; nuclear explosion, radiation exposure; popular uprisings and civil wars.

The provision of the agreement may prescribe other grounds for refusing to pay, if this does not contradict the law of the Russian Federation. The decision to refuse payment of the sum insured is made by the company and communicated to the policyholder in writing with an important explanation of the circumstances of the refusal.

Below is a standard form and a sample real estate insurance contract, a version of which can be downloaded for free.

Our catalog of sample documents, contract forms and job descriptions collected in this section

PROPERTY INSURANCE CONTRACT

PROPERTY INSURANCE CONTRACT "__" ______________ ____ d. ________________ N __________ ______________________________________________________________, (name of the insurance organization) hereinafter referred to as the "Insurer" (license for insurance activities N ________ dated ______________________________) represented by ___________________________________________________________________, (position, full name .) acting on the basis of ______________________________________________, (Charter, Power of Attorney, etc.) and _________________________________________________________________, (name of legal entity, full name of the entrepreneur) acting on the basis of __________________________________________ (Charter, Regulations, _______________________________________________, concluded this Power of Attorney, Certificates - their N, date) agreement on the following: 1. SUBJECT OF THE AGREEMENT 1.1. Upon the occurrence of an insured event specified in clause 1.2 of the contract, ___________________ __________________________________________________________________________ (To the Insured or the Beneficiary - its name, address) the insurer undertakes to compensate for the damage to the interests insured under the contract within the amount specified in clause 1.3 of the contract, and the Policyholder undertakes to pay the amount stipulated by the contract (insurance contribution). 1.2. The object of insurance is ____________________________ (risk of loss (destruction) ____________________________________________________________________ or damage to property (name property) due to ... __________________________________________________________________________ (name the insured event (theft, fire, natural disaster); __________________________________________________________________________ risk of losses from entrepreneurial activity due to violation of __________________________________________________________________________ by the counterparty (his name) of its obligations under the contract ___________________________________________________________________. N ___ dated ____, etc.) 1.3. In the event of an insured event specified in clause 1.2 of the contract, the Insurer pays ____________________________________ (To the Policyholder, Beneficiary) within _____________________ the damage caused within - (term) ______________________________________________________ _____________. (rubles, the equivalent of US dollars, Euros) 1.4. The amount of the insurance premium is - ____________________ _________________________________________________________ and is paid (rub. , the equivalent of US dollars, Euros) by the Insured _____________________________________________________. (term, date) 2. RIGHTS AND OBLIGATIONS OF THE PARTIES 2.1. The insurer is obliged to observe the secrecy of insurance and not to disclose information relating to financial condition and activities of the Insured. 2.2. The policyholder undertakes to inform the insurer of the occurrence of an insured event within ____________________________ and in the manner (term) _________________________________________________________________. 3. The contract enters into force on ____________________________________ (from the moment of its conclusion, ____________________________________________________________________ from the moment of transfer of the insurance premium) and is valid until _______________________________________. 4. In everything that is not provided for by this agreement, the parties are guided by the current legislation. 5. Legal addresses of the parties: Insurer Name: __________________________ Address: _________________________________ Bank details: __________________ Tel. (fax): ___________________________ Policyholder Name: __________________________ Address: _________________________________ Bank details: __________________ Tel. (fax): ___________________________ Insurer __________________ Policyholder __________________ signature signature seal seal

A well-written property insurance contract is a guarantee that in the event of an insured event, a citizen who has entered into an agreement with the insurance company will be able to receive cash who will compensate for the losses incurred. The insured in the indicated situation must transfer insurance premiums to the company. This is done using lump sum payment or regularly listed a certain amount. The amount and timing of the provision of funds are negotiated and indicated in the property insurance contract when it is concluded.

With the help of an insurance contract, you can insure the risk of loss or confirmation of property, and receive compensation after writing the appropriate one.

insurance premium- according to, this is a one-time or regular payment of the insured, which is provided to the insurance company. The amount of the specified payment is negotiated by the parties to the agreement when concluding a property insurance contract.

Insurance payment- according to , it sum of money, the amount of which is negotiated and established by the parties to the agreement when concluding a property insurance contract. The specified payment is provided by the insurance company to the citizen who has concluded the agreement or to the beneficiary upon the occurrence of an insured event.

Sample property insurance contract

The property insurance contract is drawn up in writing and must contain the following information:

Information about the insurance company - full name, legal address;
Further, information about the insured is indicated - the name of the legal entity or the surname, name and patronymic of the citizen, as well as his passport data, address and telephone number;
A thorough description of the object that the client wants to insure;
The amount of insurance coverage;
List of insurance risks - flooding, fire, damage to property by third parties;
Validity of the property insurance agreement;
The amount of the insurance premium;
Conditions for granting the sum insured to the beneficiary;
Rights and obligations of the insurer and the policyholder;
Responsibility of the parties to the contract;
Contract changes. The designated paragraph indicates the grounds for amending the document, as well as the procedure for the insured and the insurer;
The number of the insurance policy, which is issued after the property insurance contract has been signed by both parties to the transaction;
The date the agreement was signed.

The property insurance contract comes into force from the moment when the parties to the agreement have signed the document and when the policyholder has fully or partially paid the insurance premium.

Required documents

The list of documents that are required to draw up a property insurance contract:

Identification individual or an extract from the United state register for legal entities;
An act that can confirm that a citizen has the right to own property. It can be: a contract of exchange, donation or sale, as well as a certificate of the right to inheritance;
A document that can confirm the value of the property. This may be a report on the evaluation of an object of art, jewelry, a vehicle;
Photographs of the property that the citizen wishes to insure.

Rights and obligations of the parties

During the time when the property insurance contract is valid, the policyholder has the following rights:

In case of loss of the policy, obtain its duplicate;
Check if it complies Insurance Company Terms of agreement;
Change the beneficiary. In the indicated case, the policyholder must comply with the replacement conditions, which are indicated in the property insurance contract or in the provisions of the current legislation of the Russian Federation;
Cancel the agreement early. In the present situation, there is required condition, according to which the citizen is obliged to notify the insurer of this in writing. This is done no more than thirty days before the date of termination of the property insurance agreement;
Make changes to the terms of the agreement. This is done in without fail with the consent of the insurer;
Receive information from the insurance company that concerns it financial stability and is not a trade secret;
Get an insurance indemnity that will cover the damage caused to the insured property.

Along with the rights, according to the property insurance contract, the policyholder also has certain obligations:

Transfer to the insurer insurance premiums, the amounts and terms of payment of which are indicated at the conclusion of the agreement;
If a citizen intends to amend the property insurance contract, he must notify the insurer in writing;
In the event of an insured event, the insured is required to notify the representatives of the company about this within thirty days. This is done in any way that can be fixed. It should also be noted that in addition to the notification, documents should be provided that confirm the fact of the occurrence of an insured event;
Fulfill all clauses of the property insurance contract and other documents that fix the contractual legal relationship between the insurer and the policyholder.

Rights of the insurer:

When concluding a property insurance contract, require from a person the necessary information to determine the insured risk and independently assess the damage caused;
Inspect the property that the insured has decided to insure. If necessary, he has the right to appoint an examination to establish the price of the object;
Take advantage of the insurance rates developed by him earlier, which determine the amount of the premium, taking into account the object to be insured and the nature of the risk;
Independently find out the cause of the insured event;
If, when drawing up a property insurance contract, the citizen who entered into the agreement provided the insurer with false information that is significant for determining insurance risk, then the latter has the right to invalidate the agreement;
Has the right to demand from the policyholder to change the terms of the property insurance contract;
The right to demand the annulment of the agreement or compensation for losses if the citizen who has concluded this agreement with him does not notify the company of the circumstances that lead to an increase in the insurance risk.

Obligations of the insurer:

Before concluding a property insurance contract, he must familiarize the insured with the rules of insurance;
Is obliged to amend the agreement if the policyholder declares the occurrence of circumstances that reduce the risk of an insured event;
In the event of an insured event specified in the property insurance agreement, the insurer must provide the citizen with insurance payments. This must be done within the specified time frame. If the insurance company does not fulfill the specified requirement, the citizen will be obliged to pay the insured a fine, the amount of which is equal to one percent of the insurance payment. For each day of delay, this amount will increase by 1%;
Compensate the insured for the expenses incurred by the insured in reducing or preventing damage to the insured property. These funds are provided to a citizen only if this information is specified in the contract;
Do not disclose information about the insured and his property.

Responsibility of the parties

By signing the insurance contract, the parties to the agreement assume responsibility for the fulfillment of the conditions described in it. Failure to fulfill their obligations entails the imposition of penalties, which are negotiated and indicated by the parties in the content of the property insurance contract.

If the insurance company has not fulfilled its part of the obligations, then the following sanctions are often imposed on:

Return to the insured of all the funds that he contributed as insurance premiums;
According to if the insurer violated the terms of the agreement, he is obliged to pay the citizen the interest agreed upon at the conclusion of the property insurance contract.

If violations were committed by the insured, then he must do the following:

Transfer to the insurer monetary compensation, the amount of which must be agreed and indicated in the property insurance contract upon its conclusion;
Pay the insurance company interest.

In addition to the above sanctions, the injured party to the property insurance contract has the right to demand payment of a penalty or compensation for losses incurred.

Termination of the property insurance contract

If there are legal grounds, the property insurance contract may be terminated or declared invalid in unilaterally. Also, termination is possible with the mutual consent of its participants. To cancel a property insurance agreement, you need to have a good reason, which is confirmed by documents.

Legal grounds for cancellation of a property insurance contract:

The policyholder overestimated market value object to be insured;
The risk of occurrence of insured events that were not specified in the content of the contract has increased;
If the client intentionally initiates the occurrence of an insured event;
Incorrect drawing up of an insurance contract;
If an individual or legal entity that is the insured has not paid in set time insurance premium;
If an event has occurred that is not an insured event for the concluded property insurance contract, but entailed partial or complete liquidation of the insured property. For example, if the object was sunk, and it was insured against fire;
If the insurance company has ceased operations;
In the event of the death of the insured.

If the initiator of the cancellation of the property insurance contract is a citizen, then he is obliged to send a written application to the insurer, in which he should indicate his intention to terminate the agreement. In addition, the application must indicate the reason for the cancellation of the property insurance contract and attach documents confirming these grounds to it.

Next, representatives of the insurance company must consider the application and the submitted documents. After that, they make a decision to refuse or agree to pay the money to the insured. In the case of a positive response, the contract of the parties is canceled and the policy terminates. If the contract involves the payment of part of the insurance accruals, the company is obliged to comply with the terms of the agreement. If the answer is negative, the insured person has the right to apply to the court with a statement of claim.

Notice of termination

When applying to the insurer to terminate the property insurance contract, the policyholder must draw up an application. Legal provisions Russian Federation do not contain unified form submitted document. For the indicated reason, an application for the cancellation of a property insurance contract is drawn up in a free form.

It should be noted that there are situations when the insurer independently develops and provides forms for these applications. In the indicated case, the insured must contact the employees of the insurance company to obtain the form required to fill out. In other situations, the application must be drawn up personally, subject to certain rules.

An application for cancellation of a property insurance contract must contain the following information:

To begin with, the name of the insurer company is indicated, as well as its legal address;
Further, information is indicated on who is submitting the application, namely: last name and first name, patronymic, telephone number, address, series and number of the applicant's passport;
After that, the requirements of the insured are indicated - the cancellation of the property insurance agreement and the payment of insurance premiums. In addition, it is necessary to indicate the details of the agreement that the person wishes to terminate, namely: the date of registration, the conditions of conclusion;
List of documentation that is attached to the appeal;
At the end, the date of the application and the signature of the insured is put.

Before drawing up a property insurance contract, a citizen who plans to insure his property should familiarize himself with the rules and nuances of drawing up an agreement. Special attention it is necessary to pay attention to the conditions under which the company will be obliged to compensate the damage suffered by the insured.