An insurance policy is a document on the basis of which the fact of conclusion of an agreement with an insurance company is proved. Usually it is issued on a special original form with degrees of protection in the form of a grid, watermarks and others. However, the availability of such protection does not yet confirm the authenticity of the insurance policy.
We will study it in more detail.
What is this document and what is its significance?
The conclusion of the contract can be confirmed by various documents:
- statement;
- application form;
- an agreement;
- the rules.
But most often, an insurance policy acts as a certificate. Some ICs do not give the customers the rules, but only introduce them to them at the conclusion of the contract. Then difficulties may arise in case of an insured event. After all, the client can forget the exact conditions, for example, the timing of the submission of the message and so on. UK use this to deny payment. Therefore, you should require that this document be attached to the contract.
At the same time, you need to understand: if the rules include rules that are not in the Civil Code of the Russian Federation, then they will be valid only if they do not contradict the law. The rules are contained on the flip side of the policy or are handed in a separate document (then the client must sign it).
If they will be amended after the conclusion of the contract, do not worry about this. For the policyholder, only those standards that existed at the time of the transaction are applicable.
When to pay?
It should be borne in mind that the conclusion of the contract does not imply its automatic entry into force. The legislator has established that the insurance policy takes effect only after the premium or down payment has been paid, unless otherwise provided. Thus, when the beneficiary cannot pay for the contract, but he needs him to urgently take action, he needs to additionally agree on this, and enter the relevant information into the document. Without such a reservation, the client will not be able to receive payment if an insured event occurs.
Who pays?
In addition, the payment is best done by the beneficiary. Sometimes it happens that a third party (legal or physical), having made the payment, then demands to withdraw it. The company is then obliged to return the paid amount, since it did not enter into a contractual relationship with it. Of course, before this, she notifies the policyholder so that he can take the necessary actions. However, if this happens, then for the period when the policyholder has not yet paid the required amount, the contract ceases to be valid. When an insured event occurs, the company is not obliged to pay a premium. As a decent partner, however, she can do it.
General insurance policy
Such documents are often used in world practice. Similar agreements have also begun to be applied in Russia. According to them, cargo that is transported in batches with the systematic insurance of homogeneous products is insured. This is carried out over a period of time, under approximately the same conditions. Then, for the whole load, the policyholder receives one master document. For individual lots, certificates or policies are issued additionally.
The following are generally specified in a general document:
- types of cargo;
- routes
- transport;
- insurance amount;
- delivery schedule;
- turnover during the year;
- other provisions.
This way cargo can be insured, for example, according to the Merchant Shipping Code.This is especially suitable in cases where the cargo or part of it is transported, but it is not known at what time and / or how much it will be produced. The advantages of the document are as follows:
- business expenses are reduced;
- calculations are simplified.
SK in this case risks, since it does not have the necessary information to track the cargo. Therefore, the policyholder is required to provide information about each batch. This must be done in any case, even if the risk of losses to the UK has already passed. If this condition is not met, the company has the right to withdraw from the contract. Then the insurer has the right to expect to receive the amount that he would have if he had performed his duties in good faith. However, at the same time, payments will not be based on the general policy, but on an insurance certificate issued additionally.
Bearer
In domestic insurance, a document appeared that has long been known abroad. A bearer insurance policy form is issued by the company upon conclusion of the property contract. Then the name is not entered in the document. Such conditions are often applied to goods.
The contract may be concluded with the issuance of:
- insurance policy and rules;
- contract (the remaining documents the insured will receive only after payment or down payment).
In the second case, a memo should be requested, which will indicate the actions that should be taken when an insured event occurs. The instruction must be fully observed, otherwise there may be problems with compensation. If there is no memo on hand, then if necessary, you should immediately contact the company and find out what to do next in a given situation.
CTP insurance policy
Mandatory liability insurance when driving a car in Russia was introduced in 2003. Its essence is compensation by the insurance company for the harm that the driver inflicts on the health or property of third parties.
The document has several degrees of protection, which include a unique insurance policy number, as well as watermarks and a metal tape. You can verify it for authenticity via the Internet on special services, where it is enough to enter a unique number and your data.
MTPL insurance policy has a certain limit for payment. In 2016, the maximum amount payable is 400 thousand rubles for property, and 500 thousand rubles for causing harm to health.
Compulsory Health Insurance
Insurance MHI policy is a document that provides free assistance throughout the Russian Federation. According to this system, payment is made by the organization that issued the document. A person may have only one policy. is he issued to a citizen of the Russian Federation at no cost. It is received in person or through a proxy.
When applying for help to a medical institution, you must have a document with you to present it upon request.
Without limiting the validity of the policy, citizens of the Russian Federation, permanently residing foreigners and stateless persons are entitled to use it. With a limited time period, it is executed by refugees and foreigners temporarily residing in Russia.
