Ingosstrakh OJSIC presents a unique insurance product, which combines an individual approach to each customer and simplicity of insurance agreement execution. Thanks to the new product “FreeDom”, in just five minutes you will provide insurance for your property at its real cost without examination or applications.
You can insure:
Complete residential and non-residential constructions (garages, saunas, sheds, etc.)
Other constructions (pergolas, hothouses, barbecues, fences), located in one address.
Elements of constructions covered by insurance:
Supporting constructions, finishing and engineering equipment, movable property for the sum from 200,000 rubles to 8,000,000 rubles
Supporting constructions, finishing and engineering equipment, movable property for the sum from 200,000 rubles to 7,000,000 rubles
Finishing and engineering equipment, movable property for the sum from 200,000 rubles to 1,500,000 rubles.
You can also insure:
Third parties civil responsibility for the sum from 300,000 to 1,000,000 rubles
You, your relatives or friends from accidents.
What may be covered by the insurance:
Fire – occurrence of fire, and also influence on the property produced as a result of such fire, combustion products, high temperature or consequences of lawful actions related to fire extinguishing, including the use of automatic fire extinguishing systems
Explosion – explosion of gas pipelines, boilers, and other containers for storage, transportation and processing of household or industrial gas or explosive substances
Damage by water – influence on the property caused by water or other liquid from water supply, sewage, heating, cooling or conditioning systems, or penetration of water from adjoining premises that do not belong to the Insured
Mechanic damage – vehicle run-over on the property, docking impact, falling of flying objects, trees, construction cranes, holding capital repairs or refurbishing of premises that do not belong to the Insured
Natural disasters – earthquake, storm, whirlwind, hurricane, stroke of lightning, flooding etc., if these phenomena are acknowledged as dangerous natural phenomena by a body of the Federal Hydro-meteorological Service or Ministry of Emergency Situations
Illegal actions of third persons – pilferage, vandalism or deliberate destruction or damage to property, including by way of arson, explosion or another dangerous method
Terrorist act.
The cost of FreeDom insurance agreement is determined depending on the amount of the established insurance sum, combination of property accepted for insurance in the construction and the insured’s possession of an effective insurance agreement with Ingosstrakh OJSIC.
Example:
You decided to insure supporting constructions, finishing, engineering equipment and movable property for the insurance sum of 1,500,000 rubles. If you have a valid VTPL agreement at the time you conclude the FreeDom insurance agreement, the insurance premium will amount to 5,700 rubles.
To execute an insurance agreement, you will need:
A passport
Passport details of the person for whose benefit the agreement is concluded (beneficiary)
A copy of document that confirms interest in property preservation
Photos of all buildings and constructions to be insured (for buildings – two photos from the outside and two from the inside; for other constructions – four photos from different sides).
Advantages of FreeDom policy:
Accuracy – when you insure property, you don’t choose one variant of the insurance sum, proposed by the insurance company, but set the necessary insurance sum yourself
Volume – an unlimited number of insured objects
Quick policy execution – the agreement is executed without examination, filling of insurance application and description forms
Mobility – you don’t need to go to the office to execute an agreement, just call and the company’s representative will come in the time convenient for you
Extended package of risks – a full list of insurance risks
Full reimbursement of damage on the basis of real cost of the damaged object (within the insurance sum), absence of franchise and artificial limitations during payment of insurance indemnity in respect of separate elements of the building (windows, walls, floor, etc.)
Two variants of movable property insurance – at your wish, payment may be made of maximum sums in respect of the damage done to the furniture, devises (in the amount of real cost, within the insurance sum under “Movable property”) – just make a list of especially valuable pieces of furniture and devices. In absence of a list, each object will be automatically insured for the sum up to 10% from the insurance sum under “Movable property” in the building.
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