Within “Platinum” policy program you may insure separate constructions which are located on your land plot (summer residence, cottage house, shed, bathhouse, garage, etc.). You yourself decide what to insure. We will help you to determine the insured amount which corresponds to the real value of your property.
You can insure the following:
Load-bearing constructions: foundation, exterior and interior walls, coverings, a roof, including roof coating, external finishing.
Finish and Technical Equipment:
Interior finish: floor covering, topping of walls, ceiling, door and window framing, fitted kitchens and built-in closets, fireplaces, stoves, upper shelves
Equipment: sanitary installation equipment, sewerage, cold and hot water, heating, electro-and gas supply; saunas, pools; water purification and softening systems, telecommunications, security, fire alarm system, video surveillance systems, self-contained power supplies, ventilating and air conditioning systems, dishwashing machines, built-in kitchen appliances and filters, wiring accessories etc.
Movable property:
Furniture: in rooms, kitchen, country house, etc.;
Personal Property: acoustic instruments, optical devices, photographic equipment and film equipment, clocks, carpets, tableware, books, clothes and footwear, bags, leisure items, outdoor sports equipment, security maintenance items, bench work and carpenter tools and other household equipment, etc.;
High-value subjects: antiques, works of art, etc.
Civil liability: damage caused to life, health and property of third parties.
NEWLife and health – of yours and your family members (accident insurance). If you wish to take care of yourself and your nearest and dearest, you may be insured from any accident. The insurance is valid all over the Russian Federation throughout the whole term.*
Risks covered:
Fire – fire emergence, as well as damage caused to the property by combustion products resulting from fire, heat or consequences of legal fire extinguishing activities, including application of automatic fire-fighting systems; Explosion - explosion in gas pipelines, boilers and other capacities applied for storage, transportation and processing of household and industrial gas or explosives;
Water damage – influence upon property of water or other liquids coming from sewerage, heating, cooling or air conditioning systems, or water penetrating from neighborhood premises which do not belong to the Insurer
Mechanic damage – collision with a vehicle, sudden fall of trees, construction cranes, piloted aircrafts, capital repairs and space reconfiguration in adjacent premises which do not belong to the Insurer, etc.
Wrongful acts of third persons – robbery, vandalism, deliberate destruction or damage caused to property, including by way of arson, explosion, etc.
Natural disasters – an earthquake, storm, tornado, hurricane, lightning strokes, flooding, etc. provided that these phenomena are recognized as dangerous by Federal hydro-meteorological services or Russian Emergency Ministry.
Terrorist attacks.
Advantages of “Platinum” Policy Program:
Various insurance terms and insured amount: you can choose a package of risks relevant to your property, and determine the insured amount corresponding to the real cost of your property.
Various insurance objects: you may insure all property items, including the high-value ones: antiques, jewelry and works of art. We agree to insure even the property which is unprecedented in its value.
NEWRemuneration calculated with regard to / with no regard to depreciation of the property materials which are subject to replacement. With “Platinum” policy we offer indemnity with consideration to depreciation of the insured property. However if you wish to receive compensation base on an actual value of the property at the date when the insurance agreement has been concluded, this may be arranged for a small extra charge.
Financial Compensation in Full – Upon happening of an insured event, we will indemnify for the damage in full, but within the insured amount.
NEWSeveral options of indemnification limits for the property insurance:
For each insured event: after payment of indemnity amount, the insured amount does not decrease
For the first insured event: the agreement is terminated after the first insurance indemnity
Under the agreement: the maximum limit decreases after each insured event
Also we offer additional service for those who prefers a complex insurance of load-bearing constructions, finishing, technical equipment and movable property against “full-package risks”:
Complex cleaning of premises and urgent repair of windows and doors in the event of penetration of third parties onto your premises.
Compensation of rent of a temporary apartment if your apartment is acknowledged as unfit for living.
Various options are offered to optimize property insurance charges:
Full Indemnification
Example: you selected a full indemnification option. You have insured interior finishing for an amount of 10 thousand roubles (when the general market cost of materials comprises 10 thousand roubles). Upon happening of an insured event, some damage has been caused to the entrance door and costs of repair works comprised 8 thousand roubles. Due to the reason that the interior finishing has been insured for 10 thousand roubles, you are to be indemnified all the expenses related to door repair, i.e. 8 thousand roubles. Therefore you have 2 thousand roubles as a remainder and you may apply this amount upon occurrence of another insured event.
Incomplete Proportional Indemnification
Example: you selected an incomplete proportional compensation. You have insured interior finishing for an amount of 10 thousand roubles (when the general market cost of materials comprises 16 thousand roubles) and saved expenditure in relation to the policy cost. Upon happening of an insured event, some damage has been caused to the entrance door and the cost of repair works comprised 8 thousand roubles. Due to the fact that the interior finishing has been insured for 10 thousand roubles and a system of proportional indemnification is applied here, you will be indemnified only 5 thousand roubles
How to decrease the property insurance costs
We will be happy to give you a chance to lower the policy value in case that:
Your property is equipped with a fire and/or security alarm system, water leak system;
Emergency response team can arrive to the guarded object;
You have purchased a franchised policy;
You have renewed the agreement and you failed to have insured events. *Service available in Moscow and Moscow Region only.
Our contacts
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