AT modern society keeping savings at home means embarking on the right path to ruin. Annual inflation growth is at least 7-10%. Over time, money can depreciate, and even 1-2 years ago, a solid amount can turn into miserable pennies.

The funds of the deposit insurance fund may be invested in the following securities and units:

Government securities of the Russian Federation;

Deposits and securities of the Bank of Russia;

Government securities of constituent entities of the Russian Federation, into bonds and shares of Russian issuers, as well as into Russian mortgage-backed securities;

Securities of economically developed foreign countries;

Units (shares, shares) investment funds investing funds in government securities of foreign countries, bonds and shares of other foreign issuers.

The best way out is to make the money work, that is, to invest it in something. One of the most common ways to invest money is to buy real estate. Many people invest in gold or stocks. Another way to invest money is to open a bank account.

Contribution- it sum of money deposited in the bank for storage under certain conditions in order to make a profit.

Deposit- these are funds (securities) deposited with financial and credit, customs, judicial or administrative institutions.

First you need to choose a bank and a suitable deposit. Now most banks offer their customers to put money on various deposits that differ in interest rates, terms of issuance, etc.

For example, there are deposits, the main condition of which is the issuance of money to the client at his first request. Such deposits are called demand deposits. There are also term deposits, under the terms of which money is issued to the client only after the expiration of a period specified in the agreement.

The agreement may provide for making deposits on other terms of their return that do not contradict the law.

To put your savings in the bank, you must first open a deposit account. To do this, you will need a passport (required with a local residence permit) and TIN (individual tax number).

It is believed that the discovery deposit account- one of the simplest banking operations. They issue it in the operating room (department) of the bank that works with individuals.

As a rule, each bank has stands with information. Here you can study booklets that will help you decide on the choice of account.

The Board of Directors of the Deposit Insurance Agency sets the rate of insurance premiums for banks, and it should not exceed 0.15% of the average amount of deposits for the quarter. If there is a shortage of the fund, the rate of insurance premiums can be increased to 0.3%.

One or another type of deposit is usually chosen depending on the yield and terms of issuance. Different deposits also differ in the procedure for calculating interest. For example, interest can be charged 1 time in 1, 3, 6 or more months.

You should also decide in advance in which currency this account will be opened.

As soon as the client has chosen the type of deposit, term and currency, he should be given an agreement to fill out, all the points of which must be carefully read. After signing the contract, the client is required to issue a special card so that he leaves a sample signature on it.

It is with this sample that the client's signature will be verified in the future in case of any misunderstandings. The sample signature must be kept in the bank's file cabinet until the deposit is closed.

After completing all required documents a bank employee writes a check for the amount that the client wants to put into his account. In addition, the client must be given a savings book, which will indicate all transactions on this account.

Before leaving the bank, you must carefully check all issued documents. If this is not done, there may be some problems later.

Documents to be checked:

A copy of the agreement on deposits (deposits) must be certified by the round seal of the bank or its branch, intended for transactions. If the contract is certified by another seal, it usually has no legal force. This type of deception has already been practiced by some bank employees;

Savings book. As a rule, this document is issued by most banks when opening an account. If the passbook was not issued, it is necessary to clarify in the contract whether it should be issued or not.

In the event of any misunderstanding, the savings book will be the most important proof of the client's rightness in court.

In its absence (if it is not stipulated in the contract), the claim may be denied altogether.

In order not to lose your savings, it is necessary to provide for all emergencies that may arise in the future.

Many commercial organizations are created precisely in order to withdraw money from the population. Many are sadly familiar with the stories of MMM and other financial pyramids.

As a result, depositors not only did not receive the promised high percent but also lost their own money.

All funds of individuals in banks are subject to insurance. The following are the exceptions:

Funds of individual entrepreneurs without forming a legal entity;

Bearer deposits;

Funds transferred to banks for trust management;

Deposits in branches of Russian banks located abroad.

If a bank or other commercial organization promises its depositors a much higher interest on deposits compared to other banks, this should alert in any case. If, in addition, such an organization does not have any financial reputation (for example, it opened less than 1 year ago), this may also be due to fraud.

If a depositor wants to put a significant amount in the bank, it would be more rational to place it in different banks and on different deposits. It makes no sense to share the amount up to 200 thousand rubles. For example, if the bank goes bankrupt, the guaranteed amount of return today is 190 thousand rubles. Placing savings in different banks minimizes possible risks loss of funds.

It is believed that it is more secure to keep your money in state banks, which are a kind of guarantor of stability banking system. Pretty reliable big banks with an extensive network of branches throughout the country. In any case, before opening a deposit, you must carefully study financial activity different banks and choose the most suitable one.

Each contributor must carefully monitor proper management savings book. It must record all receipts and accruals of interest. Only hard fixation of all investments can prevent illegal withdrawal of funds from the account without the knowledge of the client.

If the amount on the account exceeds 150 thousand rubles, the deposit must be insured. This will be a guarantee of the return of your money through the deposit insurance system. The deposit insurance system was developed by the Central Bank of the Russian Federation, which determines the sum insured.

Some banks deliberately withhold information related to the capitalization of interest from customers. Capitalization of interest must be reflected in the advertising booklet or in the draft deposit agreement.

Capitalization is commercial operation, when the amount of accrued interest is added to the principal amount of the deposit with further accrual of interest on them, that is, interest is accrued on interest.

System compulsory insurance bank deposits of the population is a special state program implemented in accordance with federal law RF "On insurance of deposits of individuals in banks Russian Federation". The main objective of this program is to protect the savings of depositors.

It turned out that about 20 different Sberbank deposits have interest rates below the inflation rate by 0.25–4.75%. This means that there is no real income on these deposits and the money put on them is gradually depreciating.

Protecting the financial interests of the population is one of the main tasks of the state. The deposit insurance system is obligatory in all states that are members of the European Economic Community; it operates in Japan, the USA, Brazil, Ukraine, Kazakhstan, Armenia, etc.

The essence of deposit insurance is as follows: if a bank declares itself bankrupt or stops its work, each depositor who has a deposit immediately receives a fixed cash payment.

Deposit insurance is carried out by virtue of a special law. If the bank is not able to pay money to depositors, the debt is repaid by an organization specially created by the state - the Deposit Insurance Agency. As already said, maximum amount, which is immediately returned to the depositor, is 190 thousand rubles, currency deposits recalculated at the exchange rate of the Central Bank on the date of occurrence insured event.

According to the law, deposit insurance in Russia implies a guaranteed payment of a deposit in an insured bank within the limit of 100 thousand rubles and a refund of 90% of the deposit if it does not exceed 190 thousand rubles. IN THE USA maximum size insurance coverage is 100 thousand dollars, in France - 76 thousand euros, in Spain - 15 thousand euros, in Germany - 20 thousand euros.

In order to receive a refund on deposits, the depositor must submit an application and a passport (or any document proving his identity) to the Deposit Insurance Agency. This can be done within 2 years after the occurrence of the insured event. If this is not done, then you will have to file a lawsuit in court.

Payment of compensation on deposits is made within 3-14 days after the submission of documents.

All Russian banks are required to participate in the deposit insurance program.

Insurance premiums are the same for all banks and must be paid by them quarterly.

Reimbursement for deposits is carried out in accordance with the Federal Law of the Russian Federation "On insurance of deposits of individuals in banks of the Russian Federation".

In accordance with the legislation of the Russian Federation, the insured are cash in rubles or foreign currency placed by depositors in the bank on the basis of an agreement bank deposit or bank account agreement, including accrued interest on the deposit amount.

The following funds are not insured:

Transferred by individuals to banks for trust management;

Placed by individuals in bearer bank deposits;

Featured on bank accounts individuals involved in entrepreneurial activity without formation of a legal entity (if the account is opened in connection with the specified activity);

Placed in deposits in branches of banks located outside the territory of the Russian Federation.

On the day of occurrence of the insured event, the right of the depositor to receive compensation for the deposit arises.

Insured events are the following circumstances:

Introduction by the Bank of Russia of a moratorium on satisfying the claims of the bank's creditors;

Revocation (cancellation) of the license of the Bank of Russia for banking operations from the bank;

Bank bankruptcy.

After submitting the necessary documents to the Agency, the depositor must be given an extract from the register of the bank's obligations to depositors, indicating the amount of compensation for his deposits. Also, information about the place, time, form and procedure for accepting applications is published in the printed organ at the location of the bank and in the Bulletin of the Bank of Russia.

Many banks, when opening an account with them, issue to the depositor credit card with a validity period of approximately 1 year.

The relevant information appears in the above sources and is sent to the client on an individual basis within 1 month from the date of receipt from the bank of the register of the bank's obligations to depositors.

Payment of compensation on deposits is made in cash, and can also be transferred to an account in another bank specified by the depositor (upon a relevant application). The agency cooperates with a group of banks through which payments on deposits will be made.

The depositor also has the right to demand from the bank the payment of the remaining amount in excess of the compensation received from the Agency on deposits.

The entire insurance system is divided into two groups: compulsory insurance and voluntary.

However, mandatory insurance established by law.

It is clearly regulated, for it the rules, objects and tariffs of insurance are determined by regulatory legal acts.

Based 927 articles Civil Code Compulsory insurance is carried out by concluding an agreement between the insurance company and the insured person.

Compulsory insurance affects the risks of large masses of the population or the whole society.

Insurance rules are specified in a large number of federal laws and regulations. Many of these, such as passenger insurance, have been adopted in recent years.

But no matter how ideal insurance legislation may seem, practice points to huge gaps in the system.

Types of compulsory insurance:

MHI - compulsory health insurance

Compulsory health insurance is the most common type of compulsory insurance. CHI policy almost all residents of the country have, it provides broad guarantees in the provision of medical services.

Purpose of compulsory health insurance – provide immediate medical attention from the fund's savings. money in medical fund employers transfer in the form of a deduction in the amount of 3.6% of the unified social tax.

Not all medical services are provided free of charge, thus, preventive, sanitary-resort, cosmetic and other services carried out on the personal initiative of citizens are produced on a commercial basis.

To get a policy medical insurance need to contact Territorial CHI fund , the address of which can be found in the nearest clinic. When moving from one subject of the federation to another, it is necessary to pass old policy and then get a new one.

However, to provide medical care you have the right to any corner of Russia, therefore, When leaving for a business trip or vacation, be sure to take a policy with you.

Insurance for the carriage of passengers by land, water or air

This type of insurance is carried out Insurance companies who have a contract with the carrier.

The main purpose of this type of insurance is to protect the interests of passengers in case of damage to life, health or property.

Insurance does not cover such type of transport as a taxi.

The adoption of the law on insurance for the carriage of passengers in January 2013 was associated with violations by carriers of the interests of citizens, the lack of guarantees for receiving payments.

With the adoption of the law, the situation has changed little, and carriers, in collusion with insurance companies, do their best to shirk their duties.

In order to receive payment in the event of an emergency, you will need contact the insurer with a ticket and an insurance receipt. So don't throw away your ticket and insurance before you arrive at your destination. The insurance is only valid for the duration of the trip.

Compulsory social insurance of citizens

Social insurance of citizens is one of the most useful and desired types compulsory insurance. Throughout their lives, the working population deducts funds in social fund. From there, people in need receive payments.

Child allowance, disability allowance or large families, unemployment benefits, pensions - all this is paid by the social fund. He provides help to people who find themselves in difficult situations, although this help can be difficult to obtain.

Social insurance is valid throughout a person's life. In many public institutions presentation required SNILS - document, which contains a special personal number citizen.

Call this number to find out about insurance premiums and seniority which will subsequently affect the amount of your pension accrued.

To apply for SNILS, you should contact Pension Fund with a passport or when applying for a job write an application directly to the employer.

Insurance of military personnel and civil servants

Insurance of military personnel, as well as civil servants, contributes to the protection of the life and health of these people. For such categories of citizens, special benefits and payments are provided. This is due to the constant threat to life and health.

Soldiers passing by military service or contract service, employees state structures receive payments if their health is harmed, receive pensions for burial and family maintenance.

Insurance payments are not made if the insured person committed an act while intoxicated or intentionally harmed himself.

Insurance is handled by a company authorized to provide compulsory state insurance services. This organization commercial which has been the subject of controversy and controversy.

Another mandatory type of insurance is compulsory auto insurance. civil liability. All car owners know about this type of insurance. It guarantees compensation for harm to health, life or property in the event of an accident.

CMTPL payments are small - up to 160 thousand rubles. To receive additional funds, it is worth insuring with DSAGO.

By the way, motor third party liability insurance will not help you in case of theft of the car, as well as its damage. For high payments and an extended insurance package, you will have to apply CASCO which is not cheap.

Each driver driving a vehicle must be included in the insurance policy; or it must be indicated that anyone can be behind the wheel. OSAGO should always be carried with you and in case of violation of the rules, present it to an employee of the Ministry of Internal Affairs.

Insurance of civil liability of the owner of a hazardous facility

To obligatory types insurance in the Russian Federation includes insurance of civil liability of the owner of a hazardous facility. This type of insurance is aimed at providing assistance to persons injured as a result of an accident at a hazardous facility.

The law on this type of insurance was adopted in 2010, but began to work only in 2012. All owners of hazardous facilities must take out insurance and make additional payments to the insurance fund.

• mines;
• metallurgical plants;
• mines;
• factories for the production of explosives;
• oil platforms;
• warehouses of fuel and lubricants;
• chemical shops;
• flour mills;
• other enterprises with the possibility of a threat to life.

People rarely think about what a dangerous object is, nevertheless, they are close to us and pose a threat to life and health. Even the escalator shopping malls and the subway can be harmful to health, and there have been cases with a fatal outcome!

An ammonia leak, an explosion at a nuclear power plant, a collapse in a mine, a fire at a gas station - all these are accidents at hazardous facilities.

Everyone remembers the explosion of the power unit in Chernobyl. The state still pays compensation to affected people for the harm caused, albeit in a ridiculous amount.

In the event of an accident at a hazardous facility, all affected people receive insurance payments in an enlarged size.

The state allocates billions of rubles annually for life and health insurance of citizens. But not all of this money (but only a small percentage) reaches its destination. And it's all because of legal illiteracy of people.

If you want to receive the money due to you by law, you will have to study regulations to acquire knowledge in the legal field.

Compulsory types of state insurance are:

• compulsory health insurance;
• passenger transportation insurance;
• obligatory social insurance;
• military insurance;
And I wish you a Happy New Year +)

Hello! Establishment and payment of compulsory insurance coverage for compulsory pension insurance are carried out in the manner and on the terms established by the Federal Law "On Labor Pensions in the Russian Federation" and the Federal Law "On Burial and Funeral Business".

Insurance risk classes - great multitude. Let's name some of them. In particular, in Russia there are categories of property that are not subject to insurance. Let's consider them in more detail.

Not subject to insurance old and dilapidated buildings that will soon be demolished. Insurance companies will not provide their services even when it comes to areas prone to floods, avalanches, landslides, etc., as well as those located in places of military operations.

You can not insure products with a short shelf life, plants, ammunition. They will also refuse to insure the old car to the client. Persons over the age of 85, and persons with severe and incurable diseases will also be denied life insurance.

What items are insured? apartment, country house, household appliances, clothing, other household items. You can insure your own health. There is a type of third party liability insurance (OSAGO). Car insurance and travel insurance (when traveling abroad) are very common in Russia.

Many stars insure their voices (singers and singers), arms, legs (athletes), etc. But with a slight bruise or bruise on the arm or leg, the insurance company most likely will not pay out the money, because. the damage was minor. AT individual cases insurance companies may require you to follow a certain regime or lead a specifically agreed lifestyle.

In addition, in insurance there is such a thing as "Insured risk". This concept has several meanings:

A theoretical anticipated event or sequence of events; insurance is made in the event that these events occur in reality;

Estimation of the value of the object for which insurance is issued;

Percentage of the probability of occurrence of one or another insured event.

There are many types of insurance risks. Let's name some of them.

Risk of random deviations - the actual damage is significantly different from the expected. Usually is random.

The risk of changing circumstances is very difficult to predict. The difference between the actual and the estimated amount of damage is caused by changes in independent circumstances; these changes are not predictable.

The risk of delusion - arises because the insurer in his work often does not have all the necessary information; therefore, it is not possible to correctly calculate the probable damage, to foresee all risk factors, etc. The probability of making a mistake increases with rare or new risks; with well-known it is not so great.

Subjective risk - arises from individual factors that can be influenced by the insured himself, his behavior, the behavior of his household, employees or other people that can contribute to the creation of damage.

Objective risk - arises from the direct influence of the object of insurance or the environment of this object. This may be the design of an object that carries an increased risk, the nature of the manufactured or stored products, etc.

The article discusses the participants in the deposit insurance system, the procedure for obtaining reimbursement for deposits and the amount of this reimbursement.

General provisions

Bank - credit organization, which has the permission of the Bank of Russia to attract funds from individuals in deposits and to open and maintain bank accounts of individuals, issued by the Bank of Russia to banks in the manner established by the Federal Law "On Banks and Banking Activities".

Deposit - funds in the currency of the Russian Federation or foreign currency placed by individuals or in their favor in a bank in the territory of the Russian Federation on the basis of a bank deposit agreement or a bank account agreement, including capitalized (accrued) interest on the deposit amount.

Depositor - a citizen of the Russian Federation, a foreign citizen or a stateless person who has concluded a bank deposit agreement or a bank account agreement with the bank, or any of the indicated persons in whose favor the deposit has been made.

Reimbursement on deposit(s) ( insurance compensation) - the amount of money payable to the depositor in accordance with this Federal Law upon the occurrence of an insured event.

Deposit insurance system

The creation of a system of compulsory insurance of bank deposits of the population is a special state program implemented in accordance with the Federal Law of December 23, 2003 No. 177-FZ "On insurance of deposits of individuals in banks of the Russian Federation" (Law 177-FZ).

Its main task is to protect the savings of the population placed in deposits and accounts in Russian banks on the territory of the Russian Federation. Protecting the financial interests of citizens is one of the most important social tasks in dozens of countries around the world. The deposit insurance system is mandatory in all member states of the European Community, it also operates in the USA, Japan, Brazil, Ukraine, Kazakhstan and Armenia and other countries.

The members of the deposit insurance system include depositors, banks, the Agency and central bank Russia. At the same time, depositors are recognized as beneficiaries, banks - as insurers, the Agency - as an insurer.

The policyholder and the insurer are the parties to the insurance contract, and the beneficiary is the person in whose favor the insurance contract is concluded.

As established by clause 1 of Article 837 of the Civil Code, a bank deposit agreement is concluded on the terms of issuing a deposit on demand (demand deposit) or on the terms of returning the deposit after the expiration of a period specified by the agreement ( term deposit). The agreement may provide for making deposits on other terms of their return that do not contradict the law.

In accordance with paragraph 2 of Article 837 of the Civil Code, under a bank deposit agreement of any type, the bank is obliged to issue the deposit amount or part of it at the first request of the depositor, with the exception of deposits made by legal entities on other terms of return, stipulated by the agreement. The condition of the agreement on the refusal of a citizen from the right to receive a deposit on first demand is void.

To insure deposits, the depositor does not need to conclude any contract - insurance is carried out by virtue of law.

Cash not subject to insurance

According to part 2 of article 5 of Law 177-FZ, the list of cases of placement of funds by individuals in banks that are not subject to insurance includes:

1. Cash placed on bank accounts of individual entrepreneurs, if these accounts are opened in connection with their entrepreneurial activities. This is due to the need to comply with the principle of equality in protecting the rights and legitimate interests of business entities, i.e. legal entities and individual entrepreneurs.

The federal law differentiates the accounts of individuals engaged in entrepreneurial activities without forming a legal entity, opened by them in connection with this activity, from accounts opened by individual entrepreneurs as ordinary consumers banking services in RF. This distinction is achieved by maintaining state registers, which contain information: on the acquisition by individuals of the status of an individual entrepreneur, on the termination of activities by individuals as individual entrepreneurs and other information about individual entrepreneurs and relevant documents.

2. Cash placed by individuals in bearer bank deposits, including those certified by a savings certificate and (or) a bearer savings book. They are excluded from the number of deposits subject to insurance in order to encourage the population to the most transparent placement of their funds.

In accordance with paragraph 1 of Article 843 of the Civil Code, unless otherwise provided by agreement of the parties, the conclusion of a bank deposit agreement with a citizen and the deposit of funds into his account on a deposit are certified by a savings book. A bank deposit agreement may provide for the issuance of a savings book to bearer. A bearer savings book is a security.

According to article 844 of the Civil Code, a savings (deposit) certificate is security, certifying the amount of the deposit made to the bank, and the right of the depositor (certificate holder) to receive after due date the amount of the deposit and the interest stipulated in the certificate at the bank that issued the certificate, or at any branch of this bank. Savings (deposit) certificates may be bearer.

3. Funds transferred by individuals to banks for trust management are also not subject to insurance due to the fact that the transfer of these funds is carried out in accordance with the agreement trust management and not a bank deposit agreement or a bank account agreement.

In accordance with paragraph 1 of article 1012 of the Civil Code, under a property trust agreement, one party (the founder of the management) transfers to the other party (the trust manager) for certain period property in trust management, and the other party undertakes to manage this property in the interests of the founder of the management or the person indicated by him (the beneficiary). At the same time, according to paragraph 2 of Article 1013 of the Civil Code, money, with the exception of cases statutory, cannot be an independent object of trust management.

4. Funds placed in deposits located outside the territory of the Russian Federation in branches of banks in the Russian Federation are also excluded from the number of deposits subject to insurance in the Russian Federation, due to the fact that these funds are protected by the legislation of the respective country.

Content:

1. car insurance CASCO
2. Compulsory insurance
3. Choosing an insurer
4. Obligations of the parties
5. Studying documents
6. Caution with low prices
7. Criterias of choice
8. Bonus conditions
9. Services in modern society
10. Insurance risks
11. Subjects and objects
12. Insurer
13. Beneficiary

AT modern conditions Many car owners are interested in the current insurance rules for vehicles. At the same time, you need to know that the sooner you insure your car, the better. This is due to the dynamically developing conditions of modern life, where unpleasant surprises from nature, the state or other factors can lie in wait for people at every step. That's why, modern principles insurance is the mechanism that allows you to protect your property, including ensuring the protection of the vehicle from various adverse situations.

Modern principles of insurance

Among the owners of a vehicle, everyone knows what is considered the owner of an object of increased risk. For example, as a result of an unsuccessful maneuver of your car, you can damage another car. At the same time, if the fault of the driver is proved, then compensation will have to be paid, which can be quite substantial. Of course, not everyone will be ready for such expenses. You can prepare for such surprises with the help of vehicle insurance. This will help you plan your expenses and avoid overspending in the future.

Modern types of car insurance

In modern conditions, the insurance of a transport object is considered a complex concept, which consists of three main points. First of all, this is directly the vehicle insurance procedure, which is otherwise called CASCO. Also, another type is considered to be civil liability insurance of vehicle owners, which includes a document of compulsory insurance. In addition, there is such a type of service provision as driver and passenger accident insurance.

CASCO car insurance

One of the most popular types of classical insurance is CASCO, which has its own rules for registration. As for civil liability insurance and other services, they are much less popular. Signing CASCO allows you to compensate for damage caused by accidents, adverse weather conditions, as well as damage to cars by third parties.

Compulsory insurance

In case of damage to other drivers, these costs can be covered by compulsory civil liability insurance. In this case, the rules say that this document is concluded by the owner of the transport object in without fail. In addition, such a service can be arranged voluntarily.

Features of signing documents in various companies

Each company providing such services has its own specific insurance rules that are important for vehicle owners, as well as for the carrier. However, there are clear rules in the legislation that assign certain obligations to the insurer.

Choosing an insurer

When choosing an insurer, vehicle owners should be interested in the points that indicate exceptions to insurance coverage and reasons why they can refuse compensation for damage. This is due to the fact that there are policies where there are strict restrictions on these points, which reduce the cost of insurance. However, in this situation, the payment of compensation in the future may be difficult. Therefore, experts do not recommend the owner of the transport facility to conclude such documents.

Obligations of the parties

Most insurance programs do not have fully unilateral obligations. That is, assuming the functions of mandatory compensation for damage, the insurer always requires the client to comply with the rules relating to the insured transport facility. In this regard, the client needs to clearly read the document, paying attention to each specific condition. In addition, you need to carefully study the insurance rules relating to the insurer. This applies to both compulsory vehicle insurance and other types of similar services.

Studying documents

Documents should be read between the lines. The adequacy and quantity of all conditions that are reflected in the program are compared. At the same time, the more fully all these moments are described, the fewer questions and problems will arise later. Therefore, do not be afraid a large number text in the document.

Caution with low prices

Many vehicle owners need to be warned to be very careful with low prices in this case. This is due to the fact that in this case, agency guarantees are bought. It turns out that with a wider coverage, the guarantee is higher than with a lower one. That is, the higher the cost of a mandatory or voluntary insurance, all the better. However, the high cost does not always mean the quality of services. In the same time, low prices in general should always be alarming.

Criterias of choice

The choice of a company for compulsory vehicle insurance should take into account not only simple numbers, but the whole range of conditions in the document. First of all, you need to pay attention to all exceptions that give the right to refuse payments. Also, the client should always study the full range of risks that need to be insured against. The contract also contains the concept of a deductible, which is that component of the damage that the insurer will not compensate. T

Important points for insurance

One of important points when applying for compulsory insurance of vehicles, the territory covered by the document is considered. In addition, depreciation may or may not be taken into account in such documents, which also has a certain meaning and somewhat changes the rules for the provision of services. Wherein sum insured may change after damages have been paid. Registration insurance contract provides for the payment of the payment, both with the help of a one-time payment, and by dividing it into parts.

Bonus conditions

When signing a document of compulsory insurance of a transport facility, certain bonuses may be present. They will be beneficial for both the carrier and car owners. Bonuses include reimbursement for the transportation of a damaged car, a round-the-clock assistant in the form of a Call Center that provides technical assistance online. As a rule, bonuses are not typical for civil liability insurance.

Services in modern society

Now in modern society, insurance services are used by all motorists without exception. Almost any vehicle subject to compulsory civil liability insurance. Modern rules provide a list of vehicles that are not accepted for the insurance procedure. First of all, this applies to those vehicles, the period of operation of which has ended. Also, vehicles are not insured. technical condition which predisposes to the rapid onset of an insured event.

Cars not subject to insurance

Modern rules of compulsory civil liability insurance, as well as the rules of other types of vehicle insurance, do not provide for the execution of a contract for confiscated or arrested cars. Also, traditionally it is impossible to issue a service for cars located in areas with natural disasters.

Insurance risks

When applying for CASCO insurance, the client receives protection against all events, among which one can single out the complete loss of the transport object, as well as its damage. All these risks can take place both for the owners of the transport facility and for carriers. An advantageous difference between this type of service and compulsory civil liability insurance is compensation for damage with the entire list of risks. To date, the list of risks in domestic and foreign companies practically does not differ.

Cases that are not insured

When applying for compulsory civil liability insurance, there are a number of cases in which insurance will not be paid. For example, for many owners of a transport facility, compensation for damage will not be made if the car is damaged due to negligence or willful actions of the insured. Also, in case of illegal actions of the owner of the car or the use of the car for other purposes, payments will not be made. Therefore, it is necessary to strictly observe the rules of the road for all requirements of civil liability. In addition, insurance payments will not be made for those owners of a transport facility who drove a car in a state of drug, alcohol or other intoxication.

Situations in which insurance is not paid

It is important for any carrier that the moment that any company will not compensate for the damage in case of damage to the transport object by the cargo. In addition, during the conduct of hostilities, in conditions civil war, strikes, and so on, in most cases, damage to a car will not be considered an insurance situation. However, there are contracts under which these situations will still be related to insured events. This is very important for vehicle owners. Compensation for such damage is not possible with compulsory civil liability insurance.

Subjects and objects

In case of insurance protection of vehicles, the object is directly the car. As for the subjects, they are the insured and the insurer. The owner of the transport facility acts as the insured. It can be both physical and entity, which may be the carrier company. Interestingly, when applying for compulsory civil liability insurance, the insured may not be the owner of the transport object.

Rules for the provision of services to the insurer

Modern rules for the provision of such services provide for the execution of an agreement in cases where the insured owns the car when renting, leasing or by proxy. In each of these cases, vehicle owners are interested in high-quality protection of the car from the occurrence of insurance situations. If, for some reason, the client is not interested in keeping his car or the car of the carrier, then the insurance contract cannot be concluded. This applies to compulsory civil liability insurance and other types.

Insurer

When providing services to car owners or a carrier, a company that has the right to conduct such events should act as an insurer. Modern regulations require this organization to obtain a license for such services in the direction of vehicles. This license can be issued by a mutual insurance company, which is a non-profit type organization.

Beneficiary

When applying for compulsory civil liability insurance or other types of insurance, there is such an entity as a beneficiary. This is an entity represented by the carrier, owners or lessor of the car, in whose favor the person who operates the car by proxy concludes an agreement. In this case, the rules of compulsory insurance of civil liability of vehicles provide for payment to this person when an insurance situation occurs. This is beneficial for both the carrier and the private owner of the car. When applying for civil liability insurance, a specific car always acts as the subject of insurance.