Elena / Houses, dachas
Policy: SYS936144206
On December 17, there was an insured event - until now. Despite repeated complaints, the RESO-Garantiya company did not react in any way, so I am filing a lawsuit against it.
People, avoid this company as far as possible! Do not under any circumstances have anything to do with her!
Irina Property insurance for individuals / Houses, dachas
Policy: SYS841900368
For 8 years I insured my dacha with semi-annual payments. After the next extension of the contract in August, RESO increased the insurance cost and, accordingly, the premium. I agreed. But in the policy, the valuation of the house remained the same (i.e., if anything happens, the money will be returned based on the estimated, not the insured value!). This is RESO's first trick! They redid the policy, but removed the notes that the house is insured without a foundation (which is 22% of the cost of insurance). This is RESO's second trick! Corrected. And now, after 5 months. They send a notification that it’s already 5 months. The contract with me was terminated due to non-payment of 100 rubles!!! Those. I didn’t even know that because of their corrections, I had a debt, and when I had to pay for the 2nd half of the year, that’s when they showed up. And if something happened to the house - sorry, the contract was terminated for non-payment! When I demanded a refund for these 5 months, they told me that a mistake had occurred - the contract was not terminated (although 2 operators and employees of the RESO branch confirmed that the contract was terminated!!). This is such CYNISM!
Permanent address of review
Vladimir Property insurance for individuals / Houses, dachas
Policy: ID6116822
We have been insuring our house since November 2008. First with Rosgosstrakh, then with VSK, and for the last three years with RESO (Case No. ДЧ4972350). During the entire period of insurance, the amount remained virtually unchanged. On December 12, the house burned down. Moreover, it was completely destroyed, even the monolithic reinforced concrete foundation was partially destroyed. As expected, “according to the rules,” we notified the insurers, filled out an application, provided all the necessary documents and photos. They sent an “independent” expert from DVS-Group LLC to the site. On December 23, being an hour late and without apologizing, the expert took photographs of everything, drew up a couple of protocols about what was left and burned - and that’s where we parted. On the same day, we sent the insurers a resolution from the fire inspection department by email. In order to avoid discrepancies, the original was transferred through the expedition on December 25. It would seem that all formalities have been met, you can expect payment within 15 working days, and the amount in accordance with the insurance contract is clear. For combined buildings (the house was lined with bricks), in accordance with the insurance contract, the “whole foundation” amounts to 16% of the insured amount of the building (excluding property). If it is partially destroyed - significantly lower. What would seem simpler - assess the damage to the foundation and here is the result to be paid. However, it turned out that everything was not so simple. In accordance with the Rules, after 15 working days, we call the insurance company - when to the cash office? Vyacheslav, a RESO expert, states that the calculation has not been made and could not clearly explain when the payment will be made. Interesting - again no apology. Then it’s even more interesting - an expert from ICE calls us back and “proudly” reports that he will make a damage calculation, at best, by January 24, since he was not given the task of “considering” the RESO experts. Let me note that in response to my question - why did the internal combustion engine expert call me, because I don’t have any “relationships” with him, the deputy head of the RESO payment department, Inna, could not explain to me. A legitimate question arises: why and for whom does the insurance company write the rules? An even more interesting question is: how much will the damage be assessed to us and when? In a week, of course, you can roughly calculate something (a mystery - how?), and why not start from the amount in the policy and liability limits? I wonder what they are needed for then? After all, at the stage of concluding an insurance contract, the value of the property was calculated. Where are these calculations? It turns out that you have been paying the insurance premium regularly for 6 years - there are no questions, an insured event has occurred - we consider the damage to something that no longer exists, practically none at all. Previously, RESO was considered a reputable company, but now?
Permanent address of review
Vyacheslav Property insurance for individuals / Houses, dachas
Policy: sys278958247
Insured for more than 5 years in the RESO-GARANTIA company. Two plots are insured, 6
buildings, apartment, car. In winter in one of
buildings, an insured event occurred, the roof collapsed with water spilling into the building. As expected, I contacted the insurance company with a statement, collected the full package on time, estimated the amount of damage to be at least 15,0000 rubles. the builders asked for 20,000 rubles. I thought everything was fine, I was sitting waiting, no answer, not a hello. I ACCIDENTALLY found out that they refused to pay me from their agent and was very surprised, the wording was NOT AN INSURANCE EVENT (INSURED UNDER THE FULL PACKAGE). Yesterday I wrote a pre-legal claim. I will Let's see what happens next. I'll post the result!
Conclusion! DO NOT LISTEN TO AGENTS when they say that you need to pay for insurance from large, reputable companies. No one wants to pay for it. I WAS LITING WITH ROSGORSTRAKH for 2 years for my mother-in-law’s burnt down house. I received the money in full by court decision!
Tatiana Property insurance for individuals / Houses, dachas
Policy: SYS399747196
Three years ago, I insured my dacha with the RESO-Garantiya company; in the winter of 2012, the house burned down completely, the exact date of the fire is unknown, since no one lives in our village at this time and there was no call to the fire department. The fire inspector expressed a personal interest in investigating the fire, but I did not reciprocate. After that, I received a resolution in my hands, which stated that the cause of the fire was the destruction of the fireproof masonry between the stove and the wall of the house and the date of the fire was indicated. I wrote a separate statement to the insurance company, in which I explained that the stove did not have the indicated defects, on the specified date of the fire I was in Moscow, and not in my village, and could not have broken anything in any way, and it is not at all clear on what basis the inspector Fire supervision established the date of the fire. However, the employees of the property payments department of the RESO company were not interested in my explanations; no one even asked me how the events happened. I naively believed that the Company was ready to fulfill its beautiful promises on the site and valued me as a client. BUT in fact, the decision on payment is made not on the basis of RESO Company’s own investigation into the causes of the fire, but on the basis of the Resolution of the fire inspector. Do you think the fire inspector knows that the decision to pay the RESO insurance company depends on what cause of the fire he writes in the resolution, does he have a personal interest in helping the client of the RESO Company? Of course yes. So, formally, all the grounds for refusing payment have been met.
Now I know for sure that the beautiful words on the RESO Company website “we are pleased to offer you various options for protecting property” are just a slogan for collecting money from the gullible population. No one was even going to protect my property, they charged me the cost of the policy for 3 years and the RESO Company made its profit.
DC 4362491, policy SYS399747196
What is civil liability insurance for the operation of an apartment? What types of third party insurance are there? How does developer liability insurance work?
Hello, dear readers! Welcome to the HeatherBeaver website and its expert, Denis Kuderin.
In this issue we will look at an interesting and relevant topic - civil liability insurance. The article continues the series of publications devoted to insurance protection of citizens and legal entities.
The material will be useful to owners of commercial and residential property, motorists, homeowners and many other categories of citizens.
1. What is liability insurance?
In previous articles, we wrote about how to provide insurance protection for personal property. But often in unforeseen situations, damage is caused to someone else’s property or health.
In such cases, you can compensate for the losses of the victims from your own pocket, or you can go the other way - insure your civil liability. In this case, the costs will be paid not by the culprit of the accident, but by the insurance company.
(GO) is a separate branch of the insurance market. The object of protection under this type of insurance is the liability of the insured for causing damage to property, life and health of third parties.
Example
The Petrovs went to the dacha for the weekend. While they were resting, a pipe burst in their apartment. A neighbor's apartment on the lower floor was flooded with water. Fortunately, the Petrovs had a liability insurance policy. The losses of the victims were more than compensated by the insurance company. No one sued anyone, good neighborly relations were preserved, as were the finances of both parties.
True, civil defense insurance will not protect against administrative or criminal liability. If, for example, you are at fault for an accident, the policy will allow you to pay for the losses of the injured driver, but you will still have to be responsible for the occurrence of the emergency.
Insurance allows you to compensate for the following types of damage:
- damage to material property – the cost of restoration and repair and related expenses;
- personal damage – costs of treatment, rehabilitation, care;
- harm caused to the environment as a result of production or industrial activities;
- moral damage.
Purchasing a civil insurance policy is relevant for car owners, apartment owners, businessmen - that is, for almost all categories of citizens. The document protects you from unexpected expenses and, which is also important, saves your nerves.
Such insurance is especially necessary for residents of apartment buildings. In apartments where plumbing communications have not been updated for a long time, there is always a risk of an accident or leak.
What if your neighbors just renovated? What if water seeped through the ceiling and ruined expensive furniture? In both cases, insurance will compensate for the damage and eliminate long excuses. Although, of course, you still have to apologize for the inconvenience.
2. What is civil liability insurance - an overview of the TOP 7 types of insurance
Although the insurance industry we describe is relatively young, there are many types of liability insurance.
They can be divided into two large groups – voluntary and compulsory insurance. In the first case, everything is clear: the insurance contract is drawn up according to the goodwill and desire of the policyholder.
Things are more complicated with compulsory civil defense insurance. In essence, this is legalized coercion by the state of citizens and legal entities to take out policies with insurance companies. True, the law pursues a good goal - to protect the financial interests of persons injured in various types of unforeseen situations.
Examples of compulsory civil insurance are car insurance, travel insurance for people traveling to Schengen countries, insurance of hazardous industrial facilities - hazardous industrial facilities.
Let us consider in detail all types of civil liability insurance.
Type 1. Motor Vehicle Owners Insurance (MTPL)
Known to all vehicle owners, “automobile insurance” is a typical example of compulsory civil liability insurance. Under the MTPL agreement, damage caused to one driver due to the fault of another is compensated not by the culprit of the accident, but by the insurer.
True, there is a specific limit of insurance compensation under the MTPL policy. In 2019, it is equal to 400,000 rubles for material damage and 600 thousand for damage to health.
You will find more detailed information about car insurance in the publication "".
If you wish, you can compensate for more significant costs, but to do this you need to take out a DoSAGO policy - voluntary civil liability insurance. Such a document complements the compulsory motor liability insurance policy and comes into force if the damage exceeds the limits regulated by law.
Issues of purchasing insurance are covered in the articles “” and “”.
View 2.
Regardless of the transportation method used, transport companies (carriers) are responsible for the safety of cargo and passengers. There are uniform international standards that determine the limits of carrier liability.
First of all, these standards concern the liability of air carriers and shipowners. Railroad workers and trucking companies have their own legal obligations.
Insurance situations are considered:
- causing harm to the health of passengers and their lives;
- damage to luggage;
- loss or damage to cargo;
- delay in delivery of cargo or passengers due to the fault of the carrier;
- damage to third parties as a result of an incident involving the carrier.
Insurers are legal entities that own or lease vehicles.
The insurer is released from payment obligations if the situation arose due to violation by the policyholder of the rules and conditions of transportation.
There will also be no compensation if the carrier violated fire protection standards or the damage was caused by force majeure factors.
For more information, see the article "".
View 3. Environmental Risk Insurance
This type of insurance provides protection for the policyholder's liability for risks associated with negative impacts on the environment.
Such agreements are drawn up by owners who own hazardous facilities - power plants, mines, oil refineries and chemical plants, tankers, factories for the production of explosives and toxic substances.
If a leak, accident, or man-made disaster occurs due to the owner’s fault, the insurer will bear the costs. Since the insured amounts in these situations can be quite significant, the insurer’s services will not be cheap.
Therefore, only large international insurance companies are engaged in insuring environmental risks. Such activities are regulated by environmental laws in force in the territory of a particular state.
In Russia, the protection of environmental risks for hazardous production facilities is mandatory. There are about 300 thousand such industries in the Russian Federation. All of them must have compulsory civil liability insurance.
View 4. Liability insurance for manufacturers and sellers
Even three-time decorated and fully robotic production sometimes produces defective products.
The causes of production errors are numerous:
- violation of working conditions;
- omissions in the design and development stages of the product;
- use of low-quality consumables;
- human factor.
Damage in such situations is not only caused to the consumer. The manufacturer himself suffers large losses.
To protect itself from unexpected expenses associated with the production and sale of defective goods, the company enters into an insurance contract, the validity period of which is usually equal to the warranty period of the product being sold. The insurers in such contracts are either commodity producers or sellers.
View 5. Professional liability insurance
The essence of this type of insurance is most easily explained with a specific example.
Example
A private lawyer promised the client that he would help him win his case in court and charged a fee for his services. However, as a result of unforeseen circumstances, it was lost, the client suffered property losses and sent a claim to the human rights defender.
Fortunately for his pocket, the prudent lawyer took out professional liability insurance, and the client’s costs were paid by the insurer.
This type of insurance is carried out exclusively for individuals engaged in private professional activities. The service is relevant for lawyers, brokers, dealers, appraisers, doctors, and private detectives.
View 6. Developer civil liability insurance
In the Russian Federation, civil insurance for the developer is a mandatory procedure. Such insurance helps to return the funds spent to investors and shareholders or even provide them with living space in the event of bankruptcy and ruin of the construction company.
The law came into force in January 2014: from now on, developers can take money in advance from clients only if they have a liability insurance policy to shareholders.
View 7. Insurance for default
Quite a rare type of voluntary insurance. Such a policy is purchased by borrowers who fear that they will not be able to repay the loan in full and on time. In this case, the insured amount is not equal to the loan, but is only part of it (80-90%).
The table shows the types of civil defense insurance clearly:
№ Kinds Peculiarities 1 Car owners insurance Mandatory procedure for all car owners 2 Protects the liability of transport companies for passengers and cargo 3 Environmental Risk Insurance For hazardous enterprises - a mandatory procedure 4 Manufacturers Insurance Liability protection for manufacturing defects 5 Professional Risk Insurance Practiced by private individuals 6 Developer Civil Insurance Mandatory procedure since 2014 7 Insurance for default Practiced by debtors to banks
The insurance company "RESO-Garantia" has been carrying out insurance activities for more than 25 years and is one of the leaders in the Russian insurance market. The company offers clients property insurance programs to reliably protect real estate from robbery, fire, flooding and other unforeseen incidents.
Advantages of property insurance at RESO-Garantiya
At the end of 2015, the company took 3rd place among Russian insurance organizations in the property insurance segment, collecting RUB 3,163,807 thousand. bonuses and paying 584,296 thousand rubles. for insurance cases.
The authorized capital of IC "RESO-Garantia" is 10.85 billion rubles, and the company's reliability rating is assessed by the Expert RA agency as exceptionally high "A++" with a stable forecast. The company's insurance obligations regarding payments are guaranteed by reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The number of RESO-Garantiya client base is more than 10 million individuals and legal entities.
Other advantages of insurance in IC "RESO-Garantia" include:
- the ability to insure a wide range of objects - apartments, houses, cottages, fences, swimming pools, greenhouses, technical equipment;
- payment of an insurance policy in installments;
- payment of insurance compensation within 15 days.
Insurance risks covered by the policy
All property insurance programs from RESO-Garantiya guarantee compensation for losses associated with the following insured events:
- fire, gas explosion, lightning strike;
- water damage;
- natural disasters (earthquake, inundation, flood, hurricane, storm, tsunami, tornado, rockfall, landslide, avalanche, hail, mudflow);
- robbery, burglary;
- damage associated with illegal actions of third parties;
- collision with foreign objects;
- terrorism.
Types of property insurance programs
IC "RESO-Garantia" offers several real estate insurance programs that differ in the objects of insurance. The list of insurance risks is identical for all programs.
"RESO-house"
This program was created to insure country property and provides insurance for such objects as:
- cottage, dacha;
- interior decoration;
- movable property;
- fencing, fencing;
- landscape structures.
"Policy without inspection"
The insurance product is designed to insure any country buildings worth up to 1 million rubles. To conclude a contract, a preliminary inspection of the property by a company representative is not required.
"Brownie"
This program is designed to insure an apartment, namely such structural elements as:
- walls, windows, doors, pipelines;
- covering walls, floors, ceilings;
- Built in furniture;
- heating, ventilation, sewerage, gas and water supply, surveillance and security systems;
- movable property (interior items, furniture, electronics, equipment, household appliances, dishes, tools, clothing).
In addition to the listed insurance items, the program provides life and health insurance for apartment residents against accidents, as well as civil liability insurance. Registration of the “Brownie” insurance program is possible in four options depending on the selected amount of insurance coverage - “Economy”, “Preferential”, “Express”, “Premium”.
Cost of property insurance programs
The table below provides approximate data on the cost of property insurance from RESO-Garantiya in Moscow as of 2017.
| The name of the program |
Insured risks |
Amount of insurance coverage, rub. |
Cost of insurance, rub./year |
| "RESO-house" |
fire, gas explosion, lightning strike; water damage; natural disasters; robbery, burglary; damage associated with illegal actions of third parties; collision with foreign objects; terrorism. |
house - 6,500,000; movement property - 500,000; bathhouse - 800,000; garage - 300,000; fence - 150,000. |
30 520
|
| "Policy without inspection" |
house - 500,000; movement property - 50,000; bathhouse - 250,000; utility block - 50,000. |
6 480
|
|
| "Brownie-Preferential" |
apartment design - 1,500,000; finishing - 300,000; movement property - 300,000; |
3 000
|
|
| "Brownie-Economy" |
apartment design - 3,000,000; finishing - 450,000; movement property - 300,000; citizen liability - 300,000. |
6 000
|
|
| "Brownie-Express" |
apartment design - 7,000,000; finishing - 700,000; movement property - 600,000; citizen liability - 1,200,000. |
9 800
|
|
| "Brownie-Premium" |
apartment design - 10,000,000; finishing - 1,200,000; movement property - 1,000,000; citizen liability - 1,700,000. |
17 000
|
A new type of compulsory insurance has been introduced in the Russian Federation in accordance with Federal Law No. 67-FZ of June 14, 2012 “On compulsory insurance of civil liability of a carrier for damage to life, health, property of passengers and on the procedure for compensation for such damage caused during the transportation of passengers by metro "
In accordance with the Federal Law, all organizations (regardless of their form of ownership) and individual entrepreneurs are required to insure their liability to passengers if:
1. Are engaged in the transportation of passengers, including off-street transport ( passenger transport that carries out regular transportation of passengers along routes isolated from highways within the boundaries of populated areas, between nearby populated areas or from populated areas to transport, trade, industrial facilities, cultural, recreational, sports and similar facilities), with the exception of the metro and passenger taxis of category “B”).
2. Transportation activities are regulated by the relevant transport charter or code:
The compulsory insurance policy guarantees passengers compensation for damage caused to their life, health or property during transportation on the following types of transport:
Rail transport (suburban, long-distance, international transport)
air transport (domestic and international planes and helicopters)
sea transport
inland water transport
bus transportation (intracity, suburban, intercity and international transportation)
urban electric transport (trolleybuses and trams)
light metro and monorail transport
The fine for the carrier not having a policy (Article 11.31 of the Code of Administrative Offenses) will be:
Organization - in the amount of 500 thousand to 1 million rubles
Official - in the amount of 40 to 50 thousand rubles.
After concluding an insurance contract, the carrier must provide passengers with information about the insurer and the concluded compulsory insurance contract: the name of the insurer, its location, postal address, telephone number, as well as the number, date of conclusion, and validity period of the insurance contract.
Information must be posted in all ticket sales places (including in the vehicle, if tickets are sold directly there) and on the carrier’s official website on the Internet.
Penalty for failure to provide passengers with information about the insurer and the compulsory insurance policy:
Organization - in the amount of 10 thousand to 30 thousand rubles
Official - from 1 thousand to 3 thousand rubles.
