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PLATINUM

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FREEDOM OF CHOICE: You make the decision what to insure. We will help you choose the sum insured, which corresponds to the real value of your property.

In apartments you may insure:

1. Supporting structures: the “box”, i.e. walls and ceilings.
2. Finishings and engineering equipment:
1. internal finishings – floor, walls and ceiling coating, doors and windows, built-in kitchens, built-in closets, attics, chimneys, stoves;
2. equipment – bathroom appliances, sewage system, hot and cold water supply, heating, electricity and gas supplies, saunas, swimming pool, water purification and softening systems, telecommunications, burglar and fire alarms, video surveillance system, ventilation and air conditioning systems, dishwashers, built-in kitchen appliances and filters, wiring products, etc.
3. Movable property:
1. furniture: room, kitchen and other furniture, etc.;
2. appliances: audio-, video-, electronic appliances, electronic music instruments, household appliances, etc.;
3. consumer goods: acoustic music instruments, optical devices, photo and video cameras, clocks, rugs, dishware, books, clothing and shoes, bags, recreational and athletic goods, safety equipment, carpenter, locksmith and other household inventory, etc.;  
4. extra valuable goods: antiques, works of art, etc.
4. Civil liability: harm to life/health and damage to third parties' property.

Which risks can be insured:

• “fire” – appearance of fire as well as effect on the property of combustion products, high temperature or legal actions to extinguish the fire, which were all the result of this fire. This also includes the use of automatic fire-fighting systems;
• “explosion” – explosion of gas pipelines, gas boilers and other containers for storage, transportation and processing of utility and industrial gas, or explosive materials;
• “damage by water” – effect on the property of water or other liquid from the water supply, sewage, heating, cooling systems or air conditioning systems, or water invasion from adjoining premises not owned by the Policy-holder;
• “mechanical damage” – runover of vehicles on the property, docking impact, tumbledown of aircraft, trees, construction cranes, capital repair or rebuilding of premises not owned by the Policy-holder, etc.;
• “unlawful actions of third persons” – theft, vandalism or deliberate destruction or damage of property, including arson, explosion or any other dangerous method;
• “natural disasters” – earthquake, storm, tornado, hurricane, stroke of lightning, flood, etc, if these phenomena are deemed dangerous by the body of the Federal hydro meteorological service or the Emergency Situations Ministry;
• “terrorist attack”.

Advantages of the Platinum policy for apartment insurance:

• options for insurance terms and conditions and insured amounts: You can choose a package of risks relevant for your immovable property and determine an insured amount that matches the actual cost of your property
• choice of insured property – you can insure all elements of the property including the most valuable ones: antiquities, jewels, works of art. We accept for insurance even property of extraordinarily high value
• ^NEWcalculation of indemnities inclusive or exclusive of wear of the property materials  that need to be replaced. The product Platinum offers indemnities inclusive of wear of the insured property. However, if you want to receive the insurance compensation on the basis of the cost of the property at the time of execution of the contract, this is also possible for a small extra charge. 
• monetary compensation in full – if an insured event occurs, we compensate the damage in full but the compensation may not exceed the insured amount
• ^NEWseveral limits of indemnity for insurance of property:
  - for each insured event: you receive an indemnity each time you turn to the company, unlimited times
  - for the first insured event: the contract is terminated after the first insurance compensation
  - under the contract: the maximum limit is reduced with each insured event

The best solution for you is to buy the full insurance package!

Real-life story: A client insured his country house under the full package insurance policy. Once, when he was absent, thieves got into his house. Since it was early winter and there were no neighbors nearby, the thieves took everything they could. They not only took the movable property, but also dismantled and took bathroom appliances (toilet bowls and sinks). Due to this vandalism, the water pipes burst and by the time the owner came home everything that was left after the thieves was flooded. If the house was only insured against the “unlawful actions of third persons”, the client would only be compensated for broken doors and stolen property. Swollen parquet and other damages from flood would not be covered because they are under provisions of “damage by water” risk. But the house was insured under the full package and Ingosstrakh compensated all losses.

Civil liability is always insured under full package of risks (infliction of harm to life/health and damage of property of third persons).

Ingosttrakh offers Additional service* for those who buy full insurance package for the supporting structures, finishings, equipment and movable property:

• complex cleaning of premises and urgent repair of windows and doors in case third persons have penetrated the territory of your property.
• payment of temporary housing expenses if the residence is deemed temporarily unusable.

How can you insure your property at a lower price?

We will be pleased to offer you a lower price of the policy if:

• Your immovable property is equipped with fire and/or burglar alarm, leakage prevention system;
• There is a response team to arrive at the guarded property if needed;
• You have purchased a policy with a franchise;
• You renegotiated the contract for a new term and had no insured events.

* This service is provided in Moscow and Moscow Region only.