Property insurance

None of us cannot be assured on 100 % that all that we own for ever remains safe and sound. Natural disasters, fires, accidents can deprive us suddenly of all our property and home... However there is a way to be saved from such losses. This way - insurance of property. If you insure your property you can be assured that in case of its loss or destruction full cost will be compensated to you.

There is a big range of programs of insurance of property and real estate. These are programs of insurance of cottages and household constructions on your adjoining the house plot, insurance of an apartment (the program provides a variant of the insurance only for the period of your absence, i.e. if you leave for holiday, business trip, etc.), and other objects of your property.

Also we offer insurance of a civil liability. I.e. if the damage is caused to property of other citizens (for example, your neighbours) on your fault a company assumes compensation of this damage.

• Insurance of a country house/summer residence. Besides your dwelling house, we can insure a garage, a bath, household constructions, etc.
• Insurance of an apartment. Each reasonable owner aspires to keep what he has gained. Rather often apartment is the most expensive property which the person has. Meanwhile threats for an apartment and what is in it (house property and furnish) can be the diversified - thefts, flooding, fire and many other things. Nobody can guarantee that neighbours’ pipe will not burst and thieves will never get into your fortress. Everything happens! But it does not follow to rely on a case. The insurance policy always should protect your property interests.
• Liability insurance. At the same time with insurance of property you also can insure the responsibility for its maintenance. For example, during a fire your neighbours’ apartment or house can be damaged. In this case you can be brought a suit with the requirement to make amends.

- civil liability of owners of property

- professional liability of a notary with private practice

- professional liability of a commercial broker

- professional liability of medical workers.

Life insurance

There is nothing more precious in the world than a human life! But unfortunately not always it can be saved. Accidents, imprudence, failures at the enterprises frequently lead to people’s death, loss of work capacity. And it is a strong impact on a family first of all in the moral plan and in material plan too… In fact the only breadwinner in a family can be lost. So we offer you programs of life insurance. Owing to these programs we guarantee to you a material aid in case of person’s death, loss of work capacity. Programs also provide payments in case of an early retirement because of a state of health, as a consequence of industrial accident, etc. We offer you following insurance programs:

• «Family» Your purpose is to provide financial protection to yourself and your family from unforeseen circumstances, to support a habitual standard of living, forming a financial reserve.
• «Children» Your purpose is to save up the outset money for the majority of a child for getting him a higher education or for other purposes and also to provide insurance protection in case of unforeseen circumstances. You will be always assured that if the life turns your children will have insurance and financial protection.
• «Parents» Your purpose is to provide financial well-being of your parents even in case of impossibility to support them materially. Depending on the chosen contract terms your parents can receive financial support, insurance protection against various risks, augmentation of accumulation owing to the investment income.

No one will better take care of your relatives than you will.

Auto insurance

It’s not a secret that constantly increasing number of auto transport on roads of our cities inevitably leads to increase of a number of road and transport accidents. The bad condition of transport highways, high cost of regenerative repair, hijackings and hooligan actions - all this does the insurance of auto transport the most actual kind of insurance services.

Full car insurance includes protection against hijacking and damage owing to road accident (it is not important on whose fault) and also illegal actions of the third parties, falling of subjects, fire, explosion and natural disasters.

Auto insurance covers all kinds of vehicles: lorries and special cars, prime movers and buses, cars and trailers, tractors, motorcycles and also the additional equipment: auto radio tape recorders, computer means of navigation, etc.

If your car is insured from hijacking you will receive a payment if it will be stolen or you will be forced to leave the car.

In case of fire or explosion the car is considered insured if there is an acknowledgement of it from a local fire station. It is obligatory to call firemen on a place of accident even if the fire is extinguished by your own.

Falling or hit of alien subjects on your insured vehicle. These are damages caused by falling of various subjects: snows and an ice, trees, branches, parts of buildings and the subjects thrown out from a window. In these cases it is obligatory to address immediately to a local police station on a fact of damage. It is obligatory for presentation a claim.

Also there is an important part of car insurance - compulsory insurance of an automobile civil liability (OSAGO). It insures risk of the responsibility of an owner of a vehicle for causing a harm of life, health or property of victims using a vehicle in the territory of the Russian Federation.

The maximum insurance sum paid to victims is 400 thousand roubles for one insurance incident. From them 240 thousand compensate harm of health and 160 thousand - damage of property.

There is accident insurance of the driver and passengers. In case of insured accident the insurance company will pay an indemnity to victims.

Cost of insurance policy OSAGO depends on type of a vehicle and its capacity, the driver's experience and his age, region, presence of early insurance payments.

(c)DaFFka