Insurance event

THE ACTIONS OF THE INSURED UPON ONSET OF THE INSURANCE EVENT

If your property is insured:

1. at insurance event onset:

• Try to calm down.
• Immediately inform the corresponding bodies on accident:

o At fire - 03

o At theft and other illegal actions of third parties - 02

o At failure of water, heating or sewer systems – the corresponding emergency services

o If your accommodation is insured - inform КSК

• Take all possible measures on rescue of the insured property to reduce a damage.
• Within 3 (Three) days in writing notify the Insurer on incident.
• Provide to the representative of the Insurer an opportunity to examine the damaged property and investigation concerning the reasons and amount of the loss.

The failure to notify the Insurer within the deadline fixed on insurance event occurrence will entitle him to withhold in insurance compensation.

2. Documents which should be provided to Insurer for insurance indemnity receiving:

• Application on insurance payment.
• Insurance Agreement (insurance policy).
• ID (for physical person)
• Power of attorney on insurance indemnity receiving (if necessary)
• Documents confirming the fact of insurance event approach and amount of damage:

o In case of fire – copy of act with reason and place of ignition;

o In case of natural disaster – inquiry and hydrometeorological service conclusion, corresponding periodical cutting (if any);

o In case of failure of water, heating or sewer systems – an inspection certificate from special bodies of supervision and control (emergency and other services), with indication of reason and character of event and damage;

o In case of theft and other illegal actions of third parties – inquiry from police concerning your application on accident and decision on initiation of criminal case;

o If necessary and on agreement with the Insurer - certificate of technical expert examination made at participation of independent technical experts.

Use the best efforts to provide the Insurer right of subrogation to person responsible for insurance event approach and the harm caused to you.

At motor hull and motor owners’ liability insurance:

1. at insurance event onset:

• Try to calm down.
• Immediately without delay inform the road police by phone 02 on traffic accident and suffered persons and stay at the scene before its arrival.
• Take control of completeness of information in documents while their registration.
• If a result of road accident caused harm to life and health call 03
• In case of ignition of vehicle – call 01.
• Do not move vehicle before road police examination
• Immediately, without delay notify the Insurer on insurance event by any possible means (in written or orally). Orally notification should be confirmed in written (within seventy two hours).
• Keep damaged vehicle (property) in kind it was as a result of insurance event before its examination by Insurer
• Take all possible measures on rescue of the insured property to reduce a damage.
• Do not make payments and claims without written agreement of Insurer.

The failure to notify the Insurer within the deadline fixed on insurance event occurrence will entitle him to withhold in insurance compensation.

2. Documents which should be provided to Insurer for insurance indemnity receiving:

• Application on insurance payment.
• Insurance Agreement (insurance policy).
• Copy of the driver’s license of Insured (Assured) or person driving the vehicle and copy of document confirming his right for driving this vehicle.
• Document confirming the fact of insurance event onset and amount of harm caused to victims
• Copies of inquiry for public health organization on temporary disablement of victim or inquiry from special organizations on ascertainment of victim’s disablement – in case of its establishment.
• Notarially certified copy of death certificate of victim and document certifying the right of beneficiary on reimbursement of harm (copy) – in case of death of the victim.
• Decision on initiation or refusal in initiation of criminal case.
• Copy of ID of beneficiary (for physical person) or original of power of attorney issued to representative of legal entity.
• Documents certifying expenses incurred by Insured (Assured) for prevention or reducing of losses at insurance event onset (if any);
• Documents on estimation of caused damage made by independent expert (if any);
• Power of Attorney on insurance indemnity receiving (if necessary)

At stealing of vehicle it is necessary to provide in addition:

• Registration documents on vehicle (the certificate on vehicle registration (technical certificate), powers of attorney on the right of driving and striking off the register, driver’s license;
• The complete set of original keys from this vehicle;
• A letter with the obligation of the Insured, in case of detection of vehicle to reimburse expenses of the Insurer on insurance indemnity by return of received sum or transfer of vehicle to the Insurer with all necessary documents for its sale at market value with commission of received sum transfer to the Insurer’s clearing account;
• At ignition of vehicle it is necessary to provide in addition documents of fire-prevention service with indication of the reasons of ignition and the accepted decision (in case of forwarding document to law-enforcement bodies).

Use the best efforts to provide the Insurer right of subrogation to person responsible for insurance event approach and the harm caused to you.

FOR CONSULTATIONS ON INSURANCE EVENTS REGULATION:

Average commissioner on duty: +7 701 754 04 30,

Director of the regulation of losses Department

Konstantin Zhernovykh +7 701 763 09 20

The Head of the regulation of losses Department

Ivan Mikhaylov +7 701 733 86 75

Average commissioners

Andrey Bylin +7 701 765 46 75

Yerlan Kali +7 701 783 03 97

Alexandr Boyarchuk +7 701 786 09 01

Almas Karabayev +7 701 786 44 78