Tip 1: How to insure property
Tip 1: How to insure property
The set of all possible risks, incidents,The high crime rate makes us think about the safety of our property. In the event of unforeseen circumstances leading to damage or loss of property, only insurance can recover the cost of expenses for restoration or acquisition of an identical one. The statistics show that real estate is often not protected, only a small percentage of owners worry about their well-being in advance.
You will need
- Prepare documents for property ownership,Property Valuation Report. The cost of an insurance policy is not a small enough amount, therefore it is also desirable to prepare money for insurance payment in advance.
Instructions
1
Insure property it is necessary, whether it is movable or not. Now the insurance product provides many companies, service services are somewhat similar in some ways, in some ways they are different. Of course, it's very difficult to decide, but the final decision about which organization to apply to take you. Be guided by the reputation of the company, reviews and, undoubtedly, services included in the insurance. Have chosen the company - specify the list of documents, which is necessary for registration of the insurance policy for property. In a solid company you will be asked not to showonly documents on property, but also a report on the valuation of property. If you are not asked to order an assessment, then the expert will independently evaluate the object upon inspection.
2
As mentioned earlier, insurance productsthere is a huge amount. For today you can insure for your choice only the "box" of the apartment (it means the insurance of a residential property without taking into account the repair and movable valuables present in the insured premises); can take into account the repair and communication systems; complex insurance of real estate together with all the values present in it. Of course, the cost of a policy varies from the amount of insured property. Choose a more suitable option for you.
3
When making insurance, choose from what kind of trouble you want to insure property. List of cases in which you can getmaterial compensation, the same in virtually all companies: - fire - gas explosion - flooding of the apartment with water in the event of a breakdown of heating, sewage systems, water supply, and water from the premises in the neighborhood - theft, robbery and property damage by vandals; natural disasters - the fall of trees, aircraft, collision on the structure of the vehicle. Here, too, the set of cases varies depending on the desire of the owner.
4
So, the documents collected, selected, what and from whatinsure, sign an insurance contract. Ideally, you will be issued an insurance policy immediately. However, there are companies that make out the policy within 24 hours. In that case, do not rush to give money immediately.
Tip 2: How to insure business
Highlight the scope of your business, in relation towhich you would like to conclude insurance contracts. Unfortunately, there is no standard insurance product that meets all the needs of any enterprise.
Instructions
1
Enter into a voluntary medical agreementInsurance, according to which employees of your enterprise will be served in selected medical institutions. You can establish different terms of service for different categories of employees employed in your organization, for example, top management can choose from several clinics, and junior staff are served in one particular clinic.
2
Insure your vehicle fleet. You can arrange not only insurance policies for motor third party liability, but also CASCO. To reduce the amount of insurance premium for this type of insurance, you can establish in the contract an unconditional franchise - the amount of damage that will not be reimbursed by the insurance company. Some enterprises charge this amount when an insured event occurs from a negligent driver.
3
Apply for property insurancelegal entity. Insurance cover you can extend to the building itself, if it belongs to the organization or rented, decoration, office equipment and furniture. The main problem in concluding such a type of contracts is the definition of the insurance value of the property. It can be insured based on the book value or market value. Also, you can insure goods in the warehouse or in the retail area. Please note that the costs of property insurance are included in the cost price, that is, they reduce the taxable base.
4
If your activity is riskyharm someone, insure third-party liability or professional liability. Among the types of professional liability insurance are the insurance of auditors, evacuators, dentists, carriers and forwarders.
5
Conclude an insurance contract for the risk of interruptionproduction. Under such a contract, upon occurrence of an insured event, the insurance company will reimburse you for the lost profit and expenses for reducing the damage from the occurred event. If you decide to conclude such an insurance contract, contact reliable insurance companies that have experience in settling such insured events.
Tip 3: How to insure with SMS
In Russia, more recently, a new service -mobile insurance. The development of this option involved the company "Victoria", which today works with several insurance companies, such as: "VTB Insurance" and "Alliance". In the future, the company plans to expand its field of activity. What is this new product, and what are its pros and cons.
How to apply for mobile insurance
Currently, through a mobile phone, you caninsure only property and life. In the near future it is planned to introduce TZR (insurance for travelers abroad). The registration of an insurance policy takes no more than fifteen minutes.
In order to use the mobile insurance service, you need to dial a team * 380 #, and then follow the prompts of the system.
The client chooses for himself an insurance company and an acceptable tariff. After answering a few questions, the client receives a service message with a request to confirm his intention to arrange insurance.
After some time, the customer is called by the company representative and finishes the policy. The specialist will recognize personal data in order to issue an insurance certificate.
At the specified email address will come a letter - an analogue of the insurance policy, with the signature of the company. This document does not require a customer signature. Consent is the payment of this policy.
You can make payments in installments. Mobile insurance provides for daily write-off of funds from the customer's account. It turns out that you can independently choose the days when the insurance is valid and cancel it at any time.
In order to refuse insurance, it is enough to type a special command in the USSD-menu.
If the mobile phone account does not have enough money to pay for the insurance for a day, then this day will not be insured.
How much is mobile insurance
At the moment there are two tariffs in the mobile insurance market: 6 and 17 rubles per day.
If the rate is 6 rubles per day, then with property insurance the payment will be 400,000 rubles, from an accident to 150,000 rubles.
The tariff of 17 rubles provides for the following payments: property - 600,000 rubles, accident insurance - 300,000 rubles.
Insurance companies continue to actively develop this direction in business. Over time, the appearance of new insurance products.
Advantages of mobile insurance:
- You can insure yourself daily. For example, to arrange an insurance policy before any trip, and upon return to suspend its operation.
- Easy change of insurance company. You can change the insurance company at any time and choose the most favorable conditions for yourself.
- The program works on any phone model. In order to use the mobile insurance service, you do not need to have an expensive smartphone.
The disadvantages of mobile insurance:
- The main disadvantage of this service is the scarcity of assortment of insurance products. For example, it is still impossible to insure a car.
- It is impossible to insure property and health for a large sum. To design a more expensive insurance policy, you must still contact the offices of insurance companies directly.
- You can not apply for mobile insurance at once in two companies. The client must first cancel the current policy before entering into an agreement with another company.
- Insurance takes effect not immediately, but on the 6th day after the application is filed. For example, if the money was written off the account on the tenth of February, then the insured will be considered the sixteenth.
Tip 4: How to insure an apartment
Apartment insurance allows you to protectwell-being of the family and to protect oneself from unforeseen situations. The number of insurance cases includes fires and hurricanes, floods, theft. Of course, insurance can not protect against all these troubles, but it will reimburse the losses.
Objects and risks of insurance
Today, you can insure an apartment, suburban andresidential buildings, outbuildings, fences, gates. The only difference is the degree of risks to which each object is exposed. For example, in the case of apartments, the main risk factor is flooding, whereas in a country house - theft. According to the standards of the insurers, the apartments are divided into 4 parts: interior decoration, technical and engineering equipment, household property (electrical appliances, musical instruments, sports equipment, etc.). You can insure both all elements, and each separately. The standard set of risks for insurance includes fire, gas explosion, lightning strike, aircraft drop. Also, in addition to the above, the insurance may apply to the actions of third parties (unlawful and reckless), the bay, the natural disaster.According to Rosgosstrakh, the most common risks identified in the insurance are flooding, theft, and fires.
How much is an insurance policy
The cost of insurance depends on the type of selectedprograms: classic or express insurance. In the first case, the cost of the policy is calculated on an individual basis based on the risks and value of the objects. How much is an insurance policy for sure you can not say. Each company has its own method of determining insurance rates, they are calculated on an individual basis and can vary within 5-10%. The approximate cost of the insurance policy can be calculated by the standard formula sum insured * insurance rate. The basic tariff for insurance of apartments with finishing and engineering communications is about 0.5% of the sum insured, home property - 0.9%. Before the insurance is made, the property and the premises are assessed. It is made on the basis of payment documents, which are presented by the owner, and according to appraisers. At the same time, depreciation of property is always taken into account, which reduces its cost. If there are no payment documents, the cost of the apartment is determined on the basis of the average cost per square meter in houses of this type multiplied by the area of the apartment. The cost of finishing the premises is defined as the cost per square meter of finishing, taking into account the quality of work. The cost of furniture and household appliances is determined by the price of analogues, taking into account the year of their purchase. The second type of insurance is express programs that involve a unified set of risks and compensation amounts. The advantage of such insurance is the absence of the need to record property and collect all payment documents. But thus the insurance premium will not depend on features of an apartment.On average, the cost of the express policy is 400-500 rubles, the amount of insurance is about 100-200 thousand rubles.
