The main features of deposit insurance

One of the priorities of social problems in many developed countries is the insurance of deposits of citizens, as the need to protect the financial interests of the population. EU member states have solved this problem at the legislative level. A similar system has long been operating in Japan and the United States, as well as some time in a number of post-Soviet countries - Kazakhstan, Ukraine, Armenia.

Unfortunately, the memory of Russians have not erased the event of bankruptcy of a number of commercial banks in Russia and the associated loss of personal savings. Therefore, deposit insurance was introduced in the Russian Federation as a system of protection of legitimate rights and interests of depositors, in order to improve confidence in the banking system as a whole, to raise funds in the banking sector.
Deposit Insurance - Legislation

Many people believe that if the insurance coverage, then it will happen an accident.

Superstition - hinder the development of the insurance market from an accident
Insurance - financial sector, which under pressure from outside the subjective factors. In carrying out insurance activities directly in the implementation of contracts, you can hear many arguments "against" that simply amaze. There are all sorts of superstition, especially in accident insurance.


Perhaps life in the twenty-first century should have taught that the insurance does not save you from various events (accidents, fire, theft), but to protect the material side of the insured may, with significant and stable.

With regard to accident insurance of children, then perhaps this is the form in which the possible contradictions with it quite interesting, despite the fact that the volume of premiums collected in 2009, compared with 2008, increased by as much as 15% . In order to avoid conflicts and other misunderstandings, let us consider in detail the type of insurance against accidents for children and students, who appeared as soon as there was insurance.

The fight against insurance fraud - the potential of IT-systems

How is the condition and quality of IT-systems insurance company affect its ability to withstand an insurance fraud? As with the help of modern IT-systems to detect suspicious losses and prevent unjustified payments?

The problem of insurance fraud today is relevant to most mature and emerging insurance markets, and the Russian insurance is no exception. Fraud can occur in various types of insurance, at all stages of the insurance cycle - from purchase of the policy to the calculation of service organizations. But the most pressing, of course, the issue of anti-fraud is on the stage of the settlement of losses.

Developing an effective strategy to combat fraud - one of the most urgent challenges facing today's insurance companies. The first step towards its solution is to develop efficient methods to detect fraud. Here to help insurers to come modern information technology. Specialized IT-system will not only help to quickly identify the illegal scheme, but also provide specialist security services all the information necessary to investigate the facts and the evidence of fraud. Thus, when a suspicious case, the system will mark the reasons for the "trip" will give full information on the occurrence, the insurance contract, will show similar cases in the past and can offer a step by step plan to investigate the event.

Travel Insurance. Insurance for traveling abroad

Travel is always pleasant, but always pose a risk to property, health and human life. Tours, shopping tour, tours, and especially the extreme rest - from an accident no one is immune. Travel insurance - one of the types of services LLC "Continent."

The impression of the trip will not be overshadowed by the negative memories of the bills for the services of medical institutions, if you did take care of insurance for traveling abroad! Insurance on house arrest abroad will help you offset the financial loss if you cancel a trip on their own, with valid reasons for cancellation of the tour the tour operator or refusal of a visa.

Medical insurance for traveling abroad is a prerequisite for many consulates issuing visas. Regardless of the purpose of the visit (business, guest, tourist, extreme holiday) traveling abroad must be accompanied by registration of insurance.

The insurance market - the merger is inevitable

Zahar Leonidovich now discuss the influence of all the legislative increase in the minimum amount of capital of insurers on the fate of insurers. How would you rate the scale of the impact of this innovation to the market of insurance M & A?

In my opinion, it is certainly intensifying, but I do not think it will play a crucial role. Those requirements that capital, reserves and assets are presented now - have been quite strict in terms of quality, but this quality is not maintained virtually none of the players outside the top ten.

Additional risks insurance. Liability insurance

DPP - it is a voluntary insurance of Additional risks insurance. Liability insurancecivil liability of the owner of the vehicle. The policy of insurance of the risk makes it possible to increase the insurer's liability for insurance claims with your guilt, has synonyms: DAGO, DSAGO, DSGO, but the essence of insurance risk is not changed. You ask if they need this risk? I will say only one thing - this is the most important insurance of all possible! We all know that under the policy of compulsory motor TPL insurance amount is small, for example, in terms of compensation for harm caused to the property of a victim - not more than 120 000rubley. If you accidentally damage, such as the Audi A6, or, God forbid, the Audi A8 you'll realize that the money you just is not enough to recover repair of another vehicle. The premium for the DPP (DSAGO, DAGO) is not great, according to different insurance companies vary slightly and is approximately 600 rubles for the additional increase in the liability limit of 300 000rubley, and 1,200 rubles for the insured amount of insurance your liability to third parties to increase by 1000 000 rubles. Furthermore, this is not the sum insured to share in the payment of "hardware" and "health." The secret: Always choose the voluntary party liability insurance with undiminished, in connection with insurance payments, the sum insured.

CTP that will bring a qualitative change in the market?

The main thing - is to get rid of the "system of foreign clients," that is to make the insured where the insurance contract and concludes there and received a further service on the settlement of losses. The only way to it lies through direct claims settlement uncontested, it is uncontested SSP. Then neither the insured nor the insurer will have no choice but to work with each other. Then, the Customer will have no motive, and the need to approach the choice of insurer realized. Then the insurers come close to the issue of creating a unified database of insurance history, as "defectors" from the tool capacity of the insurance portfolio and become "media loss". However, no alternative direct damages needed to be improved in terms of the logic of settlement between the parties. PCA is now represented by LLC "SAR-clearing" appears calculated the center, but the structure should be more likely to act as arbitrator in disputes Insurance. There is nothing wrong with that, if the insurance companies will exhibit counter-claims to each other in the extent to which the payments are made. And if one disagrees with another, the PCA could resolve such disputes, which requires some credentials. In addition, this system bears a very positive factor for the market as a whole, it promotes the fact that the insurers would be worked out and retained in the practice of common standards for assessing the damage. Yes, with the introduction of non-alternative direct settlement of losses and direct calls from issuing insurer to insurer, there will be disputes between the mass of the latter, but it will be a temporary phenomenon that will lead to the development of common and accepted standards for all market participants. You can try to arbitrarily adjust the system, but the most effective way - to make a self-regulating system, ie a system in which there are clear motivational links. The main problem with the shoulders to move the Policyholders, on the shoulders of insurance companies, or their decision to go on for many years. Also, getting rid of "the system of foreign clients" before insurance companies will be a question of competitive advantage. In the first few years will suffice, and that participants balanced approach to determining the extent of damage, but later (and maybe soon) begin to appear on the additional services which will undoubtedly benefit Insurers.

How not to be mistaken with a choice of auto insurance program

How not to be mistaken with a choice of auto insurance program Any bank issuing a large amount of car loan will certainly require the customer purchased car insurance. As a general rule, banks in these cases offer "their" insurers. It is possible that the bank encourages you the most stable and honest insurance company in the insurance market, but there is no guarantee that the program proposed by the insurer that does not prove absolutely extortionate. Therefore, before you enter into a contract with the recommended insurance company, you should at least know the experts on this insurer, or reviews of the company's work on the Internet. Pay attention to the conditions of insurance. In other words, the manner in which and the conditions under which the insurer pays compensation. Take into account the interest rate on insurance. Is often the case that the purchasers of cars being deceived low interest rate car loan, pay very high interest rate on the program recommended by the Bank. Before you sign the contract, it is better to turn to a lawyer with the request that he learned the terms of this agreement. If you prefer to do it yourself, then carefully read the contract, checking every comma in it. Be sure to pay attention to the fact that the pledge agreement reflects the real cost of the car and real time credit agreement. In determining any differences in the agreement with the actual rates, do not accept credit managers or employees of dealers trying to convince you that this is done for the convenience of tax or payment of the loan. Do not forget that even the differences in the very small amount can lead to serious consequences in the form of huge overpayments. In addition to comparing the data, you should also carefully read the paragraphs setting forth "the rights and obligations of the parties." Most importantly, under the responsibility of the borrower for theft or damage to a constructive vehicle insurance company had clearly stated its commitment and action. Also check the validity of your insurance contract - it should not be less than the loan term or installment payment. Take into account the size of insurance premiums, which can not be constant throughout the loan period. Indeed, in the process of operation of the vehicle the cost is constantly decreasing, and the calculation of insurance premiums, as a rule, on the basis of its assessed value. If you will treat contemptuously to the contract, do not check it carefully, it can happen, so that in full and at their own expense you will have to indemnify the bank. At the same time if the car was stolen, or in the heavily damaged, the beneficiary will be a credit institution, the account of which the insurance company and list insurance. Every day, car loans are gaining in popularity. At the moment they are second only to loans for the purchase of household appliances. But unlike the home appliances, car itself acts as collateral and, therefore, banks have requirements for their compulsory insurance. And, recommending insurance programs of its partners, it is possible that such lenders take into account and its benefits.

Advantages CASCO ests in contracts concluded by Hull, perhaps insurance of the following risks:

Advantages CASCO ests in contracts concluded by Hull, perhaps insurance of the following risks: DAMAGE - Damage or destruction of the vehicle or its parts by: crashes; overturning; fire, explosion; natural phenomena of nature; a fall or contact with foreign objects zastrahovannny car; wrongful acts of third parties. THEFT - stealing a car. Advantages CASCO with us: A. Our clients receive a plastic card with the phone around the clock control room - tel.: (495) 956-33-66. The operator will tell you how to behave on the site of accident, cause traffic police, ambulance and, if required, the tow truck. Two. In Moscow, state of the insured event and get directions for repairs can be without a visit to the offices of the company by phone: 730-30-00. Three. Replace broken glass can be an authorized technical center, coordinating the payment of the insurance company by phone. 4. Motorists from the suburbs can bring the damaged vehicle to experts in a number of cities in the region. Five. For clients on voluntary - free (unlimited number of times during the term of the policy, but one for each insured event) evacuation in case of accident, not only in Moscow but also in the Moscow region 6. Individual tariff rates take into account the driving experience. Discounts for experienced drivers. 7. Pay policy can be in installments, including quarterly. Eight. For the forgetful customers preferential installed two weeks overdue payment policy. 9. Insurance claims for damage and the risks are the responsibility of the Civil Liability limits for each insured event and did not decrease after the payments made. 10. Place parking lot at night does not affect the rate. 11. Presentation of certificates from the traffic police is not required in case of minor damage to the machine (up to 5% of sum insured). 12. Check out an emergency call to Commissioner and the traffic police on the scene of an accident. If necessary, call a tow truck.

The "HELP RESOavto" includes:

The "HELP RESOavto" includes: Emergency Exit on the accident Commissioner Evacuation of the car is damaged Emergency assistance in case of breakage on the road Check out "ambulance." Price policy is 2400 rubles. "Emergency assistance for damage to the road" If the failure of your car is small, we can solve the problem on the road. To do this, you just need to call the dispatchers on the phone: 956-33-66 Repair a car on the road if a defect is insignificant and for its removal does not require special equipment service center. "Emergency Commissioner" Emergency Services Commissioner provides: - Emergency exit Commissioner -Advice on preparation of documents in connection with the accident; -Taking a picture, place of accident and car accident participants, charting an accident and the traffic police to obtain information about the accident; -Formation of the package of documents required for submission of CTP insurer, namely: A. ensure filling Notice of accident by drivers participating accident; Two. copying of documents (Title, registration certificate, driver's licenses, passports, policies and receipts); Three. receive a copy of the protocol, copies of orders, certificates of traffic police and other documents provided by the Insurance Regulations; 4. delivery of a package of documents on the CTP insurer or insurers. "The evacuation vehicle is damaged" Evacuation of the car to the place of storage or repair, indicated by the Insured.

Life insurance

Life insurance, according to experts, is slowly but surely becoming part of our lives. A growing number of Russians understand that this is an efficient and effective protection of yourself and your family from the unexpected, which are so generous with our lives. Unfortunately, not all of our citizens to clearly imagine, what is life insurance. Therefore, buy an insurance policy only when it is simply necessary: ​​for a trip abroad or in the case of processing the loan. But life insurance - not just a way of material support yourself in case of unforeseen events, but also a great way to increase their own income. Life Insurance - the goals and objectives How is the insurance policy with plans for the future? First, the insured is a citizen convinced that in the event of illness, death or other unfortunate circumstances of his relatives will not be left without a livelihood. Life insurance includes not only the opportunity to share with the company likely risks, but also completely shifted to the shoulders of the insurer. What could be better sense of security? The insurance company at the right time will the citizen financial assistance is in the size, in which he chose it myself and identified in the contract. Life insurance - is taking care of family and children, who will receive the agreed amount of money, if you happen to irreparable. Life Insurance - Types Options, there are many insurance programs.

Two basic types of life insurance

As part of personal financial plan of the modern metropolis inhabitant of one of the major sites is an element such as life insurance and disability. After reaching a certain level of income, all of whom depend on the financial health of the family, sooner or later face the need to protect against these risks. There are two basic types of life insurance: risky and cumulative (combining life insurance and savings). Life insurance programs are usually for a year or more. Most often, they provide protection in cases of injury, temporary disability, critical illness, disability and death.

travel Insurance

travel Insurance Travel insurance for the traveler, traveling outside the residence, solves many unforeseen financial problems that arise from the insured during his stay, not only in the CIS countries and abroad, but also in Russia. Travel insurance is especially effective for those who frequently travels around the world - in business travel, travel, vacation. Making policy is useful to know that travel insurance is included in their several kinds.

Superannuation

Superannuation Superannuation, as the need for material security of citizens in old age, exists in all developed countries. Increased life expectancy and declining birth rates only add urgency of the problem. So perfect legislation on pension insurance is not found, perhaps, in any state. In Russia, the pension is traditionally based on the voluntary responsibility of younger generations to older ones. Includes those working youth. Who went on a holiday. Falling birth rates makes such a scheme is very shaky. In the Russian pension insurance is based on two types of pensions: state and private (extra). If the first form of state guarantees, and the procedure for obtaining clearly regulated by law, the second type of pension can exist in different versions, the nuances of which depend on the specific contract. Mandatory pension insurance Compulsory pension insurance shall be effected by the Pension Fund of Russia, which serves as the insurer. The role given to the insured organizations or citizens engaged in recruiting and generating calculation and payment of contributions. Persons subject to the mandatory pension insurance, are insured. Retirement pension consists of three components: a base, an insurance and accumulation, and the sources of funding for these parts are different. The base component is funded by the federal budget, and insurance and cumulative form of the Pension Fund of Russia (specifically - from insurance contributions made by the employer). Certain categories of citizens have the right to receive state pensions (federal civil servants, military, disabled persons, war veterans, persons affected by man-made disasters, or radiation). Superannuation entities above is from the federal budget. Private (optional, voluntary) pension insurance To date, the legislation provides for the possibility of working together with a pension and receive an extra. These services provide the citizens of non-state pension funds. Voluntary pension insurance in effect, - a type of life insurance, the mechanism of action is not so complicated. Citizen, according to the contract, lists certain amount of money an insurance company, and the latter to invest these funds in order to increase their volume. Upon reaching the retirement age limit a customer, the company pays him an additional pension. To date, developed a mass of supplementary pension insurance, and the client's right - choose the one that he would prefer. Contributions to the pension fund may be one-time or cumulative, payments - annual, quarterly or monthly (depending on contract). And the agreement may be concluded for a period of 99 years. The payment of money in the case of a pensioner supplementary pension insurance may also be carried out once a quarter, semester, month, etc. - within a specified period or until the end of life. With the adoption of the Federal Act on private pension funds, have received an impetus to the development of a pension insurance companies and large corporations and pension programs for individuals who want to save money towards disabled children.

Insurance town houses

Insurance town houses The insurance policy will reliably protect your suburban property. You can insure: cottage, house, cottage, its interior design and personal property bath, shed, garage, hozblok, as well as any technical equipment of buildings; fences Our advantages: A. Competitive rates Two. Comprehensive insurance coverage for one policy: an inexpensive insurance policy can protect your assets from unexpected events, which lead to considerable material and financial losses. Three. Ability to select the most relevant or appropriate for the price protection Pack by selecting risks. 4. Purpose of insurance premiums for buildings in accordance with market prices. Five. Ability to insure buildings for up to 300,000 rubles. / $ 10,000 without inspection. 6. Ability to pay premiums in installments with no tariff increase. 7. Ability to obtain discounts for insurance loss-free. Eight. Discounts on other types of insurance policy in the presence of "RESO-House" / "RESO-House-Economy." 9. Payments are made within 15 days after the signing of the insurance act. 10. Possible inclusion in the policy up to three buildings cost up to 1 million rubles each, and your property which is located in the country. 11. Within a few minutes at home or at work, you can insure giving virtually all the risks and choose the most relevant option for you insurance coverage.

Accident insurance

Accident insurance Accident insurance to compensate for financial losses in case of injuries, poisonings and illnesses. Our advantages: In the case of an emergency financial support will be provided by your heirs or those people you designate themselves. Protection can operate from 1 day to 1 year, around the clock, or at certain hours, around the world or in a limited area. The sum insured, based on which company will produce your insurance benefits, you can choose for yourself. "RESO-Guarantee" guarantees the payment of insurance coverage within 5 days after the accident.

apartment Insurance

apartment Insurance Our home is our castle, this is the most precious thing we have. The insurance policy can protect your property interests, to become a guarantor of prosperity and tranquility. You can insure: apartment and / or its finish and movable property, as well as technical equipment Civil Responsibility to the neighbors life and health of living in an apartment The policy allows you to freely combine the objects and choose the amount of insurance coverage for each of them.