Property insurance
Any property is a subject to insurance: personal, real, pledged property, the goods in a warehouse and in a trading hall.
Insured event is the destruction (loss) or damage of property as a result of following events:
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a fire, explosion, lightning, smoke;
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hurricane (storm);
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a hailstones;
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flooding;
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earthquake;
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flooding by water from pipes of water, sewer and heating systems;
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False operation of automatic sprinkler;
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Burglary and a robbery, including the subsequent destruction or damage of property;
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Run over by a self-propelled vehicle;
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Collision or falling on the ground of piloted aircrafts, their parts or a cargo transported on these aircrafts, overcoming by flying object of a sonic barrier.
Sum insured is established at a rate of actual (market) value of property.
Insurance rates are established depending on the characteristics of insurance object, its site and the other factors having essential value for definition of a degree of risk within the limits from 0.2 % up to 0.9 % from the insurance amount.
Insurance indemnity is carried out at a rate of the real damage caused to property within the limits of the insurance amount stipulated in the contract of insurance. |
