PLATINUM EXPRESS

Print

Within “Platinum Express” policy program you may insure separate constructions which are located on your land plot (summer residence, cottage house, household outbuildings, bathhouse, garage, etc.).

To those who own “Platinum Express” policy, we offer several standard options for insurance of constructions located in Moscow and Moscow Region:

• If the value of all constructions standing on a land plot is within an amount of 8 million roubles, including the value of walls, finishing, equipment and personal property 
• If the value of all constructions standing on a land plot is within an amount of 900 thousand roubles, including the value of finishing, equipment and personal property
• Civil liability insurance is within 1 million roubles.

In Regions of the Russian Federation:

• If the value of all constructions standing on a land plot is within an amount of 3 million roubles, including the value of topping of walls, finishing, equipment and personal property
• If the value of all constructions standing on a land plot is within an amount of 900 thousand roubles, including the value of finishing, equipment and personal property
• Civil liability insurance is within 1 million roubles.

In separate constructions you can insure:

1. Supporting structures: the “box”, i.e. walls and ceilings.
2. Finish and Technical Equipment:
1. Interior finish: floor covering, topping of walls, ceiling, door and window framing, built-in kitchens and closets, fireplaces, stoves, upper shelves
2. Equipment: sanitary, sewerage, cold and hot water supply, heating, electricity and gas supply; saunas; water pools; water purification and softening systems; telecommunications; security and fire alarm systems, video surveillance systems, self-contained power supplies, ventilating and air-conditioning systems, dishwashing machines, built-in kitchen appliances and filters, wiring accessories etc.  
3. Personal Property:
1. Furniture: in rooms, kitchen, country, etc;
2. Equipment: audio and video equipment, electronic music instruments, household appliances, etc.; 
4. Civil Liability: damage caused to life, health and property of third parties
5. ^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
• Natural disasters – an earthquake, storm, tornado, hurricane, lightning strokes, flooding, etc. provided that these phenomena are recognized as dangerous natural phenomena by Federal hydro-meteorological services or Russian Emergency Ministry
• Wrongful acts of third persons – robbery, vandalism, deliberate destruction or damage caused to property, including by way of arson, explosion, etc
• Terrorist attacks

Advantages of Platinum” Policy:

• Quick issue of the policy - avoiding exact estimation of apartment, its examination, and for insurance of a out-of-town construction only a photo is to be provided
• Mobility - visit to the office is not necessary for contract execution, it’s enough to phone and our agent will come to your place in time comfortable for you
• “Full-risk” package – full package of possible risks (fire, explosion, natural disasters, water damage, mechanic damage, wrongful act of third persons, terrorist attacks)
• One policy is valid for several constructions located on a land plot: you do not need to estimate the value of each construction, it is sufficient to determine only the general insured amount
• Minimum set of documents – you should fill-in an insurance policy only, no insurance application, room description or layout, etc, is needed.

Full indemnification of the damage caused to the object within the insured amount (incomplete disproportionate compensation).

Example: You have taken a decision to insure apartment (with a value of 3.6 million roubles) for the amount of 1.2 million roubles. In case of standard insurance, for example, when a door with a value of 9 thousand roubles is damaged, you are to receive 1/3 of the damage amount (1.2 / 3.6), that is 3 thousand roubles. The correlation between the insured amount and the real cost of your apartment, is the same as correlation between the compensation received in case of damage and a cost of the damaged object. Having “Platinum Express” policy, you will receive a full amount, i.e. 9 thousand roubles.

• Two options of damage compensation related to movable property items: if preferred, maximum amount can be remunerated in case of damage caused to furniture, equipment (in the volume of its valid cost, within the insured amount specified in “Movable Property”) – just make out a list of valuable pieces of furniture and equipment. If such a list is not compiled, each and every item shall be automatically insured for an amount up to 5 % of the insured amount according to section “Movable Property” in the apartment
• Number of Insurance Instances is limited only by the insured amount during the term of insurance agreement
• Additional service* in all types of insurance which include insurance of load-bearing constructions:
• 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

How to decrease the property insurance costs?

If you own a motor policy of Ingosstrakh Insurance Company, you are provided with a significant discount**.

*Service available in Moscow and Moscow Region only.
**Please, contact our experts to specify terms and amount of discount