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Read the documents are always boring. Official language is able to wear down any normal person. Meanwhile negligence in such a case can be fatal. Take, for example, the contract of insurance. Once you neglect the careful reading of the fundamental (and, not least, additional) points, and the insurance payment, you may have forgotten.

Form of an insurance contract is different for different companies. However, if you compare a dozen of samples, you can find a number of "common areas" that are present in each document. Thus, the agreement necessarily indicate which objects shall be insured (eg, details cottage, decoration, personal property, etc.) and the risks against which they are insured. In addition, in accordance with the law of contract of the genre, the document should define the rights and obligations of the parties. Including the conditions under which the insurance company is required to pay damages or, in contrast, has the right to refuse payment. Finally, the contract is always a set of dates and numbers - validity of the document, the amount of insurance cover (sum insured), the size of the franchise (that is it, we will discuss below), the premium of the insurer, etc.

Annex to the contract is usually an inventory of the insured property. However, it can not be, if the fear of a relatively inexpensive place worth no more than 10-50 thousand dollars. (The number depends on the specific company policy - [http://www.nnw.olsztynubezpieczenia.eu Ubezpieczenie Olsztyn Witosa]). In this case the agreement is "blindly", without inspection and inventory. Accordingly, the insured amount is set by agreement of the parties. By the way, sometimes with "absentee insurance" the customer is tempted to insure a house that is worth, say, 20 thousand dollars. (Fair market value) for the maximum amount possible, up to 50 thousand dollars. Just say: do not do it. Although no one, in fact, does not prohibit inflate the value of property, but when the insured event you get no not 50, but only 20 thousand dollars. These are the rules: no insurance company will not pay for the construction of the victim more than the cost in the market.

Wholesale and retail

Making an insurance contract, it is necessary first of all to pay attention to the list contained therein risks. Usually insurance companies offer their clients a basic (full) insurance services. He would pay compensation for damage to a cottage in a fire, and measures for its fire, natural disaster (hurricane, flood, subsidence), lightning, falling trees, gas explosion, acts of third parties, and so insure the full program at all not necessarily. The client may choose from those risks that seem to be most relevant. But by refusing to integrated services, we must remember two things. First, wholesale cheaper. Secondly, you can never be one hundred percent sure that your house will not fall down, say, a flying machine. The chances of such a development is indeed small. But life - an unpredictable thing, and Murphy's Law has not been canceled. Insure of the crash - in the sky all year will be clean refuse from this type of insurance - and maybe tomorrow the roof spikiruet some "corn-cob".

In this freedom insurer does not end. At their discretion, you can also select the objects to be insured. In addition to the cottage and garden can insure a garden house, outbuildings, bath, garage, fence, property in the building. Some companies choose to insure more and building materials, pools, greenhouses, technical equipment, planting, landscape design elements, etc. A number of market operators insures construction in progress. True, nedodom must have walls, a roof, closed windows and doors.

Client as interesting

Along with the insurance policy is often a client gains confidence that he now protected, as they say, one hundred percent. In fact, it's not so simple. The company recognized the event the insured event must be submitted to a number of documents, which list is always fixed in the contract.

When a contract of insurance must reach agreement on the following points:

- On the property or other property interest, which is the object of insurance;

- The nature of the event, in case of occurrence of which is covered by insurance;

- The sum insured;

- The period of the contract.

With the title documents to the special problems usually arise. They are necessary at the conclusion of the insurance contract, so the taking of payments such documents usually have on hand. As for references, confirming the fact of the insured event, they receive is often associated with certain difficulties. Sometimes you can not get them for objective reasons: for example, if a house is insured against acts of third parties, and you see yourself in it is rare, you can simply not be on time to inform the insurance company about a crime (usually in the contract stipulates, for how time it should be done). That similar problems do not arise, we recommend pre-negotiate with the insurance company these moments. It is also recommended to clarify how the application can be submitted to the insurer. Very well, if the company allows it to send by fax or send an attorney face. It is also possible when the application is filled in directly on the website of the insurer. But this is, unfortunately, yet exotic in our market.

When insurers do not pay ...

The conditions under which the insurer shall be exempt from compensation, always stipulated in the contract. Therefore, again, carefully study the document. In particular, pay attention to the items on the property insurance against theft. The fact that some companies insure homes only on risk of burglary. That is, if the house key steal pickpocket, and then easily brushed object count on compensation meaningless. Also usually not refundable damage to property as a result of "processing fire, heat or any other kind of thermal effect for processing or for other purposes" (eg, drying, ironing, smoking, frying, etc.). However, if the result of this treatment, there was a fire, the compensation will be paid in full.

Are not considered insurance events caused death, damage to or destruction of premises or household effects due to fermentation, aging, corrosion, and other natural processes. In addition, "does not count" damage caused by war, civil unrest, strikes, seizures, orders of the authorities, the impact of nuclear energy in any form.

Some companies place restrictions on the payment of the individual elements of the house, such as "no more than 20% of the sum insured in case of damage to the roof." Such moments are also better discussed separately. Otherwise they might turn into a very unpleasant "surprise."

Speaking of non-payment of insurance, it is worth mentioning the franchise. So-called liberation of the insurer from liability for damages that do not exceed a predetermined amount. Franchises can be conditional and unconditional. The first involves a mandatory reduction in payments under the insurance contract to a certain value (regardless of the size of the damage). Second - provides damages only if the amount of damages claimed amount more franchises. For example, with $ 30 deductible. damage and $ 50. (Figures is conditional) payments will be carried out in full, because the amount of damage over the claimed amount of the excess. When a conditional franchise and similar damage to the client will pay only $ 20. (The size of the payment is reduced by the amount of the franchise). Deductible is determined by your negotiations with the insurer. In most cases it makes sense to leave the proposed compensation beyond the amount for which you will not become collecting numerous certificates and documents. Thus, the franchise can not waste time.

On the eve of the contract

Careful reading of the insurance contract is important. However, vigilance should be already at the stage of application (this step precedes the signing of the contract). OFFER insurer form filling, never leave it empty graph. The fact is that in the future such "gaps" may be perceived as an unwillingness to provide any customer information to properly assess the risk, the deliberate withholding of information. Therefore, if you do not own the necessary information, it is best to enter in the appropriate column: "There is no information on the matter."

In general, the withholding of information in the contract with the insurance company - something extremely risky. In the lawsuit against you for that, of course, not be served. But to refuse to pay may well, if it turns out, for example, that in an effort to lower insurance rates, you have concealed certain information that can increase the risk.

So, to be secretive bad. But, showing honesty in a relationship with the insurer, ask him the same thing. Do not be shy to ask the insurance agent any questions. Requires a clear, understandable, and even better - backed by regulations, answers.