Rules for insurance of vehicles against breakdowns. Car insurance against breakdowns: the concept of the service and its approximate cost

LIMITED LIABILITY COMPANY

"INSURANCE COMPANY "AMKOPOLIS"

U T V E R ZH D E N O

by order of the General Director

"AMKOpolis"

dated 01.01.2001 No. 15

RULES OF INSURANCE OF VEHICLES AGAINST BREAKDOWN

1. Definitions

2. General provisions

3. Objects of insurance

5. Sum insured and premium

6. The procedure for concluding and drawing up an insurance contract

7. Duration of the insurance contract, conditions for its termination

8. Terms of insurance

9. Mutual relations of the parties during the offensive insured event. Determining the amount of insurance compensation

10. Rights and obligations of the parties

11. Final provisions

1. DEFINITIONS

1.1. Insurer - Limited Liability Company "AMKOpolis" carries out its activities in accordance with the license issued by the federal executive authority for the supervision of insurance activities.

4.7.2. Damage caused by the loss of the commodity value of the vehicle;

4.7.3. Damage caused to the property or equipment that was in the vehicle at the time of the insured event;

4.7.4. Expenses for the restoration repair or replacement of a part and/or unit, and/or mechanism, and/or unit of a vehicle insured under these Insurance Rules, the damage of which is not caused by an insured event, as well as the cost of work, the performance of which is not caused by technological necessity (painting of mating surfaces , replacement of parts instead of repair, etc.).

4.8. Unless otherwise provided in the insurance contract, are not
insured events unforeseen breakdowns:

4.8.1. Parts and / or assembly, and / or mechanism, and / or assembly that are not included in the vehicle package provided by the manufacturer;

4.8.2. Parts: drive belts, batteries, brake linings, incandescent lamps, friction linings of the clutch disc, exhaust pipes and mufflers, fuses, lights, shock absorbers, tires, wiper blades, ball bearings, rubber-metal joints (silent blocks), tips steering rods;

4.8.3. Elements of interior trim and body structures, namely, interior decoration glass (with the exception of glass heating elements), seat covers and rugs, bumpers, moldings, paintwork, sheet metal, body sealing elements, antennas, rims and tires, dirt protection elements;

4.8.4. Scheduled maintenance parts - parts for regular scheduled maintenance of the vehicle in accordance with the Maintenance Manual for this vehicle, including, without limitation, fuel filters, air cleaners, fine air filters (if provided by design), oil filters and gaskets, fuel filters, spark plugs, operating fluids and machine oils, coolant for air conditioners.

5. SUM INSURED AND PREMIUM

5.1. The sum insured is the amount of money determined by the insurance contract, on the basis of which the amount of the insurance premium and the amount of the maximum insurance indemnity in the event of an insured event are established.

Sum insured specified in the insurance contract - the amount of money within which the Insurer undertakes to pay insurance compensation for all insured events that occurred during the insurance period. In this case, the Insurer's liability limit is reduced by the amount of the paid insurance indemnity.

5.2. The insurance amount is established by agreement of the parties and cannot exceed the actual (insurance) value of the vehicle on the date of conclusion of the insurance contract.

Insurance value - the actual value of the insured vehicle on the date of conclusion of the insurance contract.

When concluding an insurance contract, limits may be set within the sum insured maximum amounts insurance indemnity - indemnity limits. The indemnity limit can be calculated in absolute amounts, or maybe as a percentage of the accrued cost of restoration repairs.

Under the insurance contract, indemnity limits can be set for the period of validity of the guarantee, for one insured event, for individual parts/assemblies/assemblies, for the cost of work on refurbishment.

5.2.1. When determining the actual value of the vehicle, the costs of purchasing the vehicle, confirmed by the agreement (contract) for the supply, invoice, reference-account, other document determining the cost of the vehicle, (including the vehicle imported into the territory of the Russian Federation from abroad) can be taken into account. ); based on sale pricespublished in the monthly collection "Selling and market prices for new and used vehicles, tractors, automobile and tractor engines, motorcycles, cranes, forklifts", published by the pricing department of the Central Research Automobile and Automotive Institute (NAMI).

In the event that the specified collection does not contain information on the cost (price) of the vehicle, by agreement of the parties, the prices given in the "SCHWACKE" catalogs, other catalogs, specialized sites on the Internet are used.

5.3. These Insurance Rules establish indemnity limits on the cost of spare parts to be replaced and refurbishment works depending on the age and mileage of the Vehicle as of the date of conclusion of the insurance contract in accordance with the table:

Vehicle age or vehicle mileage* at the time of breakdown, km.	Reimbursement limit for parts/assemblies/assemblies (spare parts of the vehicle)	Reimbursement limit for vehicle refurbishment work
Up to 5 years or km.
Up to 6 years or km.
Up to 7 years or km.
Up to 8 years or km.
Up to 9 years or km.
Up to 10 years or 150,000 km.
Up to 11 years or km.
Up to 12 years or km.
Up to 13 years or km.
Over 13 years or 180,000 km.

* Vehicle mileage limits shown are total mileage after the date of issue of the vehicle.

5.4. insurance premium is a payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the insurance contract. Insurance premium - part of the insurance premium paid in installments.

5.5 . The amount of the insurance premium is calculated on the basis of the sum insured corresponding to the values of the base insurance rate and adjustment factors that take into account specific conditions of insurance.

5.6. Tariff rates are established on the basis of basic tariff rates (Appendix 1 to these Insurance Rules), taking into account specific insurance conditions that take into account the characteristics of the Vehicle, the conditions and features of its operation, the period of insurance, as well as other factors affecting the likelihood of an insured event and the magnitude of the possible damage.

5.7 . The insurance premium, unless otherwise provided by the insurance contract, is paid in a lump sum.

5.8. If the payment of the insurance premium is made in installments, the amount of insurance premiums and the terms of their payment are determined on the basis of the procedure agreed by the parties specified in the specific insurance contract.

5.9. Payment of the insurance premium is made in cash to the cash desk of the Insurer (representative of the Insurer) or by bank transfer within the terms established by the insurance contract.

5.10. If the Insurer (Insurer's representative) does not receive the insurance premium or the first insurance premium within 5 (five) calendar days from the date specified in the insurance contract as the date of payment of the insurance premium or the first insurance premium, the insurance contract is terminated from 00:00 on the day of its conclusion.

6. Procedure for concluding and formalizing an INSURANCE CONTRACT

6.1. The insurance contract is an agreement between the Policyholder and the Insurer, by virtue of which the Insurer undertakes, upon the occurrence of an insured event, to pay insurance compensation to the Policyholder (the Beneficiary in whose favor the insurance contract is concluded), and the Policyholder undertakes to pay the insurance premium (insurance premiums) in the manner and within the time limits set out in the insurance contract.

6.2. The insurance contract is concluded in writing on the basis of a written or oral application of the Policyholder.

The insurance contract is concluded by drawing up a document (insurance contract) signed by the parties (Appendix 2 to these Insurance Rules) and / or delivery by the Insurer to the Insured on the basis of his written or oral application insurance policy(certificates, certificates, receipts) (Appendix 3 to these Insurance Rules).

6.3. When concluding an insurance contract, the Policyholder is obliged to inform the Insurer of the circumstances (information) known to the Policyholder that are essential for determining the likelihood of an insured event and the amount of possible losses from its occurrence (insurance risk), if these circumstances are not known and should not be known to the Insurer. At the same time, in any case, the circumstances (information) specifically stipulated by the Insurer in these Rules of Insurance, the insurance contract, the application for insurance or in a written request of the Insurer are recognized as material.

6.4. If, after the conclusion of the insurance contract, it is established that the Policyholder provided knowingly false information about the circumstances that are essential for determining the likelihood of an insured event and the amount of possible losses from its occurrence, the Insurer has the right to demand that the insurance contract be recognized as invalid and the consequences of its invalidity be applied in accordance with the law Russian Federation, except for the case when the circumstances, which the Insured has kept silent about, have already disappeared.

6.5. The conditions contained in these Insurance Rules and not included in the text of the insurance contract are binding on the Insured if the insurance contract directly indicates the application of these Insurance Rules and the Insurance Rules themselves are attached to it. Handing over to the policyholder at the conclusion of the insurance contract of these Rules of insurance is certified by an entry in the insurance contract.

6.6. When concluding an insurance contract, the Policyholder is obliged to provide the Insurer with documents confirming his rights to own, dispose and / or use the Vehicle (Vehicle passport, vehicle registration certificate, power of attorney from the owner of the vehicle, certificate of account, customs documents for the vehicle, lease, leasing or pledge and other documents at the request of the Insurer).

6.7. In case of loss of the insurance contract (insurance policy) or part thereof (supplementary agreement, etc.) during the validity period of the insurance contract, the Insurer shall issue to the Policyholder upon his written application a duplicate of the lost document.

7. TERM OF INSURANCE CONTRACT, CONDITIONS OF ITS TERMINATION

7.1. The insurance contract, unless otherwise provided in it, is concluded for a period of one year.

7.2. The insurance contract, unless otherwise provided in it, shall enter into force from 00:00 on the day indicated in the insurance contract as the day of its commencement.

7.3. The validity of the insurance contract ends at 24:00 local time on the day specified in the insurance contract as the day of its expiration.

7.4. The insurance stipulated by the insurance contract shall cover insured events that occurred during the validity period of the insurance contract or before the moment specified in the insurance contract.

7.5. The insurance contract is terminated in the following cases:

7.5.1. expiration of the period for which the insurance contract was concluded - at 24:00 on the day of the date indicated in the insurance contract as the day of its expiration;

7.5.2. fulfillment by the Insurer of obligations to the Insured under the insurance contract in full - from 00:00 on the date of fulfillment by the Insurer of obligations under the insurance contract (payment of insurance compensation in the full amount of the sum insured specified in the insurance contract);

7.5.3. non-payment by the Insured within the period established by the insurance contract of the next insurance premium - from 00:00 on the date following the day specified in the insurance contract as the day of payment of the next insurance premium, unless otherwise provided by the insurance contract. In this case, the insurance premiums paid to the Insurer are non-refundable, unless otherwise provided in the insurance contract;

7.5.4. liquidation of the Insured - a legal entity in the manner prescribed by law, except for the liquidation of the Insured as a result of reorganization - from 00:00 on the day of exclusion of the Insured from the unified state register legal entities. The need to return the insurance premium (its part) and the procedure for such a return are determined by the legislation of the Russian Federation;

7.5.5. if the possibility of an insured event has disappeared and the existence of the insured risk has ceased due to circumstances other than the insured event, in particular: the death of the insured vehicle - from 00:00 on the date of the death of the insured vehicle. In this case, the Insurer is entitled to a part of the insurance premium in proportion to the time during which the insurance contract was valid;

7.5.6. in the event of the Policyholder's cancellation of the insurance contract - from 00:00 on the day specified by the Policyholder as the date of early cancellation of the insurance contract. The policyholder has the right to cancel the insurance contract at any time, if by the time of cancellation the possibility of an insured event has not disappeared due to the circumstances specified in clause 7.5.5. of these Insurance Rules. If the Policyholder cancels the insurance contract, the insurance premium paid to the Insurer in accordance with Art. 958 of the Civil Code of the Russian Federation is non-refundable, unless otherwise provided in the insurance contract;

7.5.7. when the mileage of the insured vehicle reaches 250,000 (two hundred and fifty thousand) kilometers or when the vehicle is 15 (fifteen) years old, whichever comes first. In this case, the Insured (on the basis of his written application) is refunded a part of the insurance premium paid by him, in proportion to the remaining term of the insurance contract, if by this moment he has not received a statement about the occurrence of an event that has signs of an insured event.

7.5.8. by agreement of the parties - 00 hours 00 minutes of the day indicated as the date of early termination of the insurance contract. In this case, a part of the insurance premium is returned to the Insured, in proportion to the unexpired time of the insurance contract, minus the costs incurred by the Insurer for doing business, unless otherwise provided by agreement of the parties. The agreement on termination of the insurance contract is drawn up in writing;

7.5.9. in other cases provided for by these Insurance Rules, the insurance contract or the current legislation of the Russian Federation.

8. CONDITIONS OF INSURANCE

8.1 . In accordance with these Insurance Rules, the Insurer shall pay insurance compensation if the following conditions are met by the Policyholder, the Beneficiary or a person admitted to management:

8.1.1. The insured vehicle is maintained and operated in accordance with the requirements of the manufacturer;

8.1.2. Technical maintenance of the Vehicle is mandatory carried out within the time limits specified in the maintenance regulations specified in the Manual (Instruction) for the operation of the manufacturer of the insured Vehicle, which is confirmed by the provision of the relevant documents to the Insurer (cash receipts, order - orders, other documents confirming the provision of services, performance of works specified in the Manual (Instruction) for the operation of the insured vehicle and their payment);

8.1.3. At the time of the occurrence of the insured event, the Policyholder (the Beneficiary) has a valid technical inspection coupon for the insured vehicle or confirmation of another inspection (maintenance), etc., if it is provided for by the current legislation of the Russian Federation;

8.1.4. In the event of an insured event, the Policyholder acts exactly in the manner prescribed by Section 9 of these Insurance Rules;

8.1.5. Payment of insurance compensation for an insured event that has occurred cannot improve the financial position of the Insured (the Beneficiary) in relation to the situation before the occurrence of the insured event. Insurance under an insurance contract provides reimbursement for the costs of spare parts to be replaced as a result of an insured event in accordance with the insurance indemnity limits in accordance with clause 5.3 of these Insurance Rules.

8.2. It is not an insured event and the payment of insurance compensation is not carried out in case of an unforeseen breakdown of the vehicle that occurred:

8.2.1. during the first 90 (ninety) calendar days of the validity of the insurance contract (except for the case of the conclusion of an insurance contract between the Insured and the Insurer for a previously insured vehicle for a new period - “prolongation of the insurance contract” or the presence of an act of technical condition of the vehicle (Appendix 4 to these Insurance Rules) issued by the service center of the Insurer) and if the unforeseen breakdown is caused mainly or completely by wear and tear;

8.2.2. as a result of the use of low-quality fuel, oils, lubricants, coolants or the use of fuel, oils, lubricants, coolants not provided by the manufacturer;

8.2.3. as a result of using the insured vehicle for:

· hiring, renting or renting (such as a taxi), driving courses, unless otherwise provided by the insurance contract;

8.2.4. as a result of a traffic accident, theft or attempted theft, misuse of the Vehicle or any act (omission) that is willful, illegal or negligent;

8.2.5. as a result of the fact that the Policyholder does not carry out maintenance of the insured Vehicle in a timely manner in accordance with the recommendations/requirements specified in the Manual (Instruction) for the operation of the manufacturer of the insured Vehicle;

8.2.6. as a result of counterfeiting, changing readings or turning off the odometer on the insured vehicle.

8.3. In the event of an insured event, the insured (beneficiary) is not compensated for losses incurred as a result of:

8.3.1. repair or replacement of undamaged parts and/or assemblies and/or mechanisms and/or assemblies;

8.3.2. performance of work and / or provision of services not related to the insured event under the insurance contract;

8.3.3. repair, replacement, loss, damage or liability covered by any other warranty, settlement agreement, voluntary repair, any form of design error or defect;

8.3.4. any external oil leaks that are not otherwise specified;

8.3.5. breakdowns or damage to parts and/or components and/or mechanisms and/or assemblies of the insured vehicle caused by natural phenomena (frost) or natural disasters (floods, deluge), failure under ice, water, frozen liquids, accumulation of soot, corrosion, oxidation, clogging, accumulation of contaminants, sediment or blockage or other waste that interferes with their normal operation;

8.3.6. breakdowns (including re-repair) or damage caused by poor-quality repairs or the use of defective or non-certified parts and / or assemblies and / or mechanisms and / or assemblies by the manufacturer;

8.3.7. parts and/or assemblies and/or mechanisms and/or assemblies were replaced (including the cost of works on their replacement), if, according to the conclusion of the Insurer's technical expert, they were faulty or could be identified as faulty before the entry into force of the insurance contract;

8.3.8. performance of works and/or provision of services for the adjustment and/or replacement of the cover of the distributor of the ignition system, fuses of the electrical network of the vehicle, capacitor, contacts, high-voltage wires, spark plugs, wiper blades, filter parts, filters, incandescent lamps, belts, antifreeze, liquids, lubricants, fuels or oils, brake shoes, drums, discs and pad linings;

8.3.9. combustion or deterioration of clutch parts and accumulation of carbon deposits (including burnt or charred valves and/or removal of carbon deposits);

8.3.10. any malfunction, damage or loss arising from errors, viruses or malfunctions of the computer application or system software of the Vehicle;

8.3.11. unforeseen breakdown of the Vehicle, which is temporarily or permanently owned by the Insured (Beneficiary), carrying out entrepreneurial activities for the sale and / or maintenance of vehicles;

10.2. The insured is obliged:

10.2.1. When concluding an insurance contract, as well as during the period of validity of the insurance contract, immediately inform the Insurer about all circumstances known to him that are relevant for the assessment of the insured risk, as well as about all insurance contracts concluded or being concluded in relation to the vehicle.

10.2.2. Pay the insurance premium in the amount and terms specified in the insurance contract.

10.2.3. In the event of an insured event, before paying the next insurance premium, pay the entire unpaid part of the insurance premium.

10.2.5. During the validity period of the insurance contract, immediately notify the Insurer of significant changes that have become known to the Insurer in the circumstances reported to the Insurer upon conclusion of the insurance contract, if these changes may significantly increase the insured risk.

10.2.6. Comply with the terms of these Rules of insurance and the insurance contract.

10.2.7. The Insurer has the right to demand from the Beneficiary the fulfillment of obligations under the insurance contract, including obligations incumbent on the Insured, but not fulfilled by him, upon presentation by the Beneficiary of a claim for payment of insurance compensation under the property insurance contract. The risk of consequences of non-performance or untimely performance of obligations that should have been performed earlier shall be borne by the Beneficiary.

10.3. The insurer has the right:

10.3.1. Check the information provided by the Insured and/or compliance by the Insured with the provisions of these Insurance Rules, including but not limited to the insurance conditions specified in clause 8 of these Insurance Rules and/or the provisions of the insurance contract.

10.3.3. If the degree of risk changes, demand a change in the terms of the insurance contract or additional payment of the insurance premium.

10.3.4. Terminate the insurance contract in the manner prescribed by the civil legislation of the Russian Federation.

10.3.5. Set off the unpaid part of the insurance premium when paying insurance compensation, in the event of an insured event, until the next insurance premium is paid for the amount of the unpaid part of the insurance premium.

10.3.6. Independently find out the causes and circumstances of the occurrence of an event that has signs of an insured event, if necessary, send inquiries to organizations that have information on the event that has occurred (relevant departments, assessment and expert, emergency technical, etc.).

10.3.7. Require from the Policyholder the information necessary to establish the fact of the occurrence of an event that has signs of an insured event, or the amount of insurance compensation.

10.3.8. Take photographs of the Vehicle, the place of an unforeseen breakdown declared by the Insured, and also use these materials as evidence in investigating the circumstances of the occurrence of an event that has signs of an insured event and in determining the amount of loss of the Insured (Beneficiary).

10.4. The insurer is obliged:

10.4.1. Familiarize the Policyholder with the content of these Insurance Rules and hand him one copy of these Insurance Rules.

10.4.2. After receiving the insurance premium or its first installment, issue an insurance policy to the Insured.

10.4.3. Comply with the terms of these Rules of insurance and the insurance contract.

10.4.4. Do not disclose information about the Insured and his property status, except as otherwise provided by the legislation of the Russian Federation.

10.5. The Insurer that has paid out the insurance indemnity shall, within the limits of the paid amount, transfer the right of claim that the Insured has against the person responsible for the losses indemnified as a result of insurance.

10.6 . The condition of the insurance contract, which excludes the transfer to the Insurer of the right to claim against a person who intentionally caused losses, is void.

10.7 .The Policyholder is obliged to transfer to the Insurer all documents and evidence and to inform him of all the information necessary for the Insurer to exercise the right of claim transferred to him.

10.8. If the Insured has waived his right to claim against the person responsible for the losses indemnified by the Insurer, or if this has become impossible due to the fault of the Insured, the Insurer shall be released from paying the insurance indemnity in full or in the relevant part and shall have the right to demand the return of the overpaid amount of indemnity.

11. FINAL PROVISIONS

11.1. Disputes arising from insurance contracts concluded on the basis of these Insurance Rules are considered in the manner prescribed by the legislation of the Russian Federation.

11.2. In the event of amendments to the legislation of the Russian Federation affecting the legal relations of the parties under these Rules of Insurance, they are subject to being brought in accordance with the newly adopted regulatory acts from the moment they enter into force.

Conditions not stipulated by these Insurance Rules are regulated by the legislation of the Russian Federation.

11.3. Claims for the payment of insurance compensation can be made in
within the general limitation periods established by the legislation of the Russian Federation.

Attachment 1

BASIC INSURANCE RATES

INSURANCE OF VEHICLES AGAINST BREAKDOWN

(in % of the sum insured for the insurance period of one year)

The risk associated with unforeseen expenses that may arise for the Insured due to an unforeseen breakdown of the Vehicle during the operation of the Vehicle.	Tariff, %
TC GROUP 1
TC GROUP 2
TS GROUP 3

The insurer has the right to apply increasing (from 1 to 10) or decreasing (from 0.1 to 1) coefficients to the given basic insurance rates, based on the following insurance risk factors:

Makes and / or models of the vehicle (from 0.1 to 10.0),

Year of manufacture of the vehicle (from 0.3 to 5),

Operating conditions (from 0.3 to 4),

Other factors affecting the amount of insurance risk.

When events are included in the insurance contract (separate exceptions provided for in clause 4.8. of these Insurance Rules), the presence of which increases the likelihood of an insured event, the Insurer has the right to apply a correction factor from 1.01 to 5.0.

When determining the total amount of the insurance premium under a specific insurance contract, the Insurer is not entitled to apply a correction factor less than 0.1 or more than 10.0.

Sample

Appendix 2

to the Insurance Rules Vehicle from breakdowns

Agreement No.

INSURANCEVEHICLES FROM BREAKDOWN

G. _________« » ___________ 20__

Limited Liability Company "Insurance Company "AMKOpolis", hereinafter referred to as the "Insurer", represented by _________________________________________________ , acting on the basis of ___________________________________ on the one hand, and ________________________________________________________________________________ hereinafter referred to as the "Insurant", represented by __________________________________________, acting on the basis of __________, on the other hand, have concluded this insurance contract as follows:

1. THE SUBJECT OF THE AGREEMENT

1.1. Under this insurance contract, the Insurer undertakes, for the fee (insurance premium) stipulated by the insurance contract, upon the occurrence of an event (insurance event) provided for in the insurance contract, to pay the Policyholder (Beneficiary) insurance compensation within the limits of the sum insured established in the insurance contract.

1.2. This insurance contract includes, in addition to the terms and conditions set forth in the text of this insurance contract, the terms and conditions contained in the "Rules for insurance of vehicles against breakdowns" of "AMKOpolis" dated 01.01.2001. (hereinafter referred to as the Insurance Rules).

1.3. The beneficiary under this insurance contract is:

_____________________________________________________

1.4.1. Brand, model: _________________________

1.4.2. Registration number: _____________________

1.4.3. Registration certificate: ________________________

1.4.4. VIN: ___________________________________________

1.4.5. Year of issue: ________________________________________

1.4.6. PTS: _______________________________________________

1.4.7. Color: ____________ 1.4.8. Power, l/s: _______________ 1.4.9. Mileage, km: __________

1.4.10. Due date for next maintenance __________________

1.4.11. The warranty is valid until _________________.

2. OBJECT OF INSURANCE

2.1. The object of insurance is the property interests of the Insured (the Beneficiary) that do not contradict the current legislation of the Russian Federation and are associated with unforeseen expenses incurred by the Insured (the Beneficiary) as a result of an unforeseen breakdown during the operation specified in clause 1.4. of this vehicle insurance contract.

3. INSURANCE RISKS, INSURED EVENTS

3.1. The insured risk is the risk of the Insured associated with unforeseen expenses that may arise for the Insured due to an unforeseen breakdown of the Vehicle during the operation of the Vehicle.

3.2. An insured event is an event that has taken place, provided for in clause 3.3. of this insurance contract.

3.3. An insured event is an unforeseen breakdown of the Vehicle that occurred during the period of validity of the insurance contract or before the time specified by the insurance contract, after the expiration of the standard manufacturer's warranty period.

An event that has occurred may be recognized as an insured event if it has a causal relationship between the event that occurred and the unforeseen expenses (losses) incurred by the Insured (Beneficiary).

3.4. In accordance with this insurance contract, the Insurer is exempt from paying insurance indemnity:

If the insured event occurred due to the intent of the Policyholder, the Beneficiary or the Insured Person;

If the Insured, the Beneficiary, the person admitted to driving the Vehicle fails to comply with the Insurance Conditions, separately stipulated in Section 8 of the Insurance Rules.

3.5. It is not an insured event and is not subject to compensation:

3.5.1. Moral damage, indirect and other expenses that may be caused by an insured event (fine, damage from a traffic accident that occurred as a result of an insured event (hereinafter referred to as an accident), lost profits, downtime, losses, travel expenses, etc.);

3.5.2. Damage caused by the loss of the commodity value of the vehicle;

3.5.3. Damage caused to the property or equipment that was in the vehicle at the time of the insured event;

3.5.4. Expenses for the restoration repair or replacement of a part and/or assembly, and/or mechanism, and/or assembly of the vehicle insured under this insurance contract, the damage of which is not caused by an insured event, as well as the cost of work, the performance of which is not caused by technological necessity (painting of mating surfaces , replacement of parts instead of repair, etc.).

3.6. It is not an insured event and the payment of insurance compensation is not carried out in case of an unforeseen breakdown of the vehicle that occurred:

3.6.1. during the first 90 (ninety) calendar days of the validity of this insurance contract (except for the case of conclusion of this insurance contract for a new period between the Insured and the Insurer for a previously insured vehicle or the presence of a technical condition certificate of the vehicle issued by the Insurer's service center) and an unforeseen breakdown is mainly caused by or completely worn out;

3.6.2. as a result of the use of low-quality fuel, oils, lubricants, coolants or the use of fuel, oils, lubricants, coolants not provided by the manufacturer;

3.6.3. as a result of using the insured vehicle for:

· competitions, including rallies, races, time trials and races with a leader;

hiring, renting or renting (such as taxis), driving courses (unless otherwise provided by this insurance contract);

Cross-country movement (trophy raid);

3.6.4. as a result of a traffic accident, theft or attempted theft, misuse of the Vehicle or any act (omission) that is willful, illegal or negligent;

3.6.5. as a result of the fact that the Policyholder does not carry out maintenance of the insured Vehicle in a timely manner in accordance with the recommendations/requirements specified in the Manual (Instruction) for the operation of the manufacturer of the insured Vehicle;

3.6.6. as a result of counterfeiting, changing readings or turning off the odometer on the insured vehicle.

3.7. Unforeseen breakdowns are not insured events:

3.7.1. Parts and / or assembly, and / or mechanism, and / or assembly that are not included in the vehicle package provided by the manufacturer;

3.7.2. Parts: drive belts, batteries, brake linings, incandescent lamps, friction linings of the clutch disc, exhaust pipes and mufflers, fuses, lights, shock absorbers, tires, wiper blades, ball bearings, rubber-metal joints (silent blocks), tips steering rods;

3.7.3. Elements of interior trim and body structures, namely, interior trim, glass (with the exception of glass heating elements), seat covers and rugs, bumpers, moldings, paintwork, sheet metal, body sealing elements, antennas, rims and tires, dirt protection elements ;

3.7.4. Scheduled maintenance parts - parts for regular scheduled maintenance of the vehicle in accordance with the Maintenance Manual for this vehicle, including, without limitation, fuel filters, air cleaners, fine air filters (if provided by design), oil filters and gaskets, fuel filters, spark plugs, operating fluids and machine oils, coolant for air conditioners.

4. CONDITIONS OF INSURANCE

4.1. Insurance conditions:

4.1.1. Sum insured: ____________________

4.1.2. The indemnity limit for parts/assemblies/assemblies (Vehicle spare parts) is ____% of the cost of spare parts to be replaced (in accordance with clause 5.3 of the Insurance Rules).

4.1.3. The indemnity limit for the work on the restoration repair of the vehicle is 100% of the cost of the work on the restoration repair.

4.1.4. Insurance program: _____________________________

4.2. The total insurance premium under this insurance contract is set as follows:

______________________________________________________________________________

4.3. The insurance premium is paid in a lump sum in cash / non-cash payment ( Underline whatever applicable).

4.4. The deadline for payment of the insurance premium is until "__" ____________.

4.5. Territory of validity of the insurance contract – the Russian Federation(RF), with the exception of territories of armed conflicts, wars, states of emergency.

5. TERM OF INSURANCE CONTRACT

5.1. This insurance contract shall enter into force from 00:00 on "" ___________ 20___ and is valid until "" __________ 20___, subject to clause 3.5.1 of this insurance contract.

The insurance stipulated by this insurance contract applies to insured events that occurred during the validity period of the insurance contract ( or until the time specified in the insurance contract).

6. PROCEDURE AND CONDITIONS FOR THE PAYMENT OF INSURANCE COMPENSATION

6.1. In the event of an insured event, losses incurred as a result of:

6.1.1. repair or replacement of undamaged parts and/or assemblies and/or mechanisms and/or assemblies;

6.1.2. works and/or services not related to an insured event under an insurance contract;

6.1.3. repair, replacement, loss, damage or liability covered by any other warranty, settlement agreement, voluntary repair, any form of design error or defect;

6.1.4. any external oil leaks that are not otherwise specified;

6.1.5. breakdowns or damage to parts and/or components and/or mechanisms and/or assemblies of the insured vehicle caused by natural phenomena (frost) or natural disasters (floods, deluge), failure under ice, water, frozen liquids, accumulation of soot, corrosion, oxidation, clogging, accumulation of contaminants, sediment or blockage or other waste that interferes with their normal operation;

6.1.6. breakdowns (including re-repair) or damage caused by poor-quality repairs or the use of defective or non-certified parts and / or assemblies and / or mechanisms and / or assemblies by the manufacturer;

6.1.7. parts and/or assemblies and/or mechanisms and/or assemblies were replaced (including the cost of works on their replacement), if, according to the conclusion of the Insurer's technical expert, they were faulty or could be identified as faulty before the entry into force of the insurance contract;

6.1.8. performance of works and/or provision of services for the adjustment and/or replacement of the cover of the distributor of the ignition system, fuses of the electrical network of the vehicle, capacitor, contacts, high-voltage wires, spark plugs, wiper blades, filter parts, filters, incandescent lamps, belts, antifreeze, liquids, lubricants, fuels or oils, brake shoes, drums, discs and pad linings;

6.1.9. combustion or deterioration of clutch parts and accumulation of carbon deposits (including burnt or charred valves and/or removal of carbon deposits);

6.1.10. any malfunction, damage or loss arising from errors, viruses or malfunctions of the computer application or system software of the Vehicle;

6.1.11. unforeseen breakdown of the Vehicle, which is temporarily or permanently owned by the Insured (Beneficiary), carrying out entrepreneurial activities for the sale and / or maintenance of vehicles;

6.1.12. any financial liability of the Policyholder (the Beneficiary) for death, physical injury or damage caused to other property or other parts and/or components and/or mechanisms and/or units of the insured vehicle, or any other loss directly or indirectly related to damage caused to the insured vehicle ;

6.1.13. destruction or damage caused or contributed to by ionizing radiation or radioactive contamination from any nuclear fuel or nuclear waste;

6.1.14. damage caused by a nuclear explosion;

6.1.15. damage caused as a result of installation of equipment, including anti-theft systems, by a service center not authorized by the manufacturer;

6.1.16. malfunction of any part and/or unit and/or mechanism and/or unit, the functional qualities of which have deteriorated in the insured Vehicle as a result of the fact that the Vehicle was driven after an unforeseen breakdown occurred, as a result of which the control of the Vehicle is prohibited in accordance with the Maintenance Regulations specified in the Manual ( Instructions) for the operation of the manufacturer of the insured vehicle. In such cases, the Insurer shall be liable only for reasonable repair costs, which would have been required if the Insured had taken timely measures to prevent an increase in the resulting damage.

6.2. Other conditions not specified in this section are regulated by section 9 of the Insurance Rules.

7. OTHER TERMS

7.1. Other conditions requiring agreement by the parties in accordance with the Insurance Rules ________________________________________

7.2. The conditions contained in the Insurance Rules and not included in the text of this insurance contract are binding on the Policyholder.

7.3. Disputes arising in the process of execution of the insurance contract are resolved through negotiations. If it is impossible to reach an agreement on controversial issues, their decision is submitted to the judicial authorities in the manner prescribed by the current legislation of the Russian Federation.

7.4. Applications that are an integral part of this insurance contract:

Appendix 1. Rules for insurance of vehicles against breakdowns dated 01.01.2001.

Appendix 2. Certificate of technical condition of the vehicle dated _____.___.20____

8. DETAILS AND SIGNATURES OF THE PARTIES

INSURER: "AMKOpolis" INSURED: Vehicle breakdown insurance rules

from 01.01.2001 received, familiarized and agrees to follow them.

_____________________/ ____________________/ /

TC group 1 - vehicles with an engine capacity of up to 1599 cubic meters. cm.

Group TS 2 - vehicles with an engine capacity from 1600 to 1999 cubic meters. cm.

Group TC 3 - vehicles with an engine capacity of more than 2000 cubic meters. cm.

Changes can be made to the sample that do not contradict the Insurance Rules and the current legislation of the Russian Federation.

Motor transport insurance provides mainly for compensation of material costs received, either through the fault of another driver (OSAGO), or as a result of certain external influences, including in an accident through one's own fault (). The implementation of such scenarios is unlikely, compared with the breakdown of components and assemblies that can happen to any car, unexpectedly and at the most inopportune moment.

What is car breakdown insurance

Not a single car, including those recently rolled off the assembly line, is 100% reliable, and a breakdown can occur at any time due to manufacturing defects, technological flaws or elementary wear of parts and assemblies. If the car was bought in the salon of an official dealer and is under warranty, then the repair of the breakdown will fall on the shoulders of the dealer, in contrast to the situation when the car was purchased from hand, with some wear and tear.

It is for worn-out cars that the topical issue is to obtain additional guarantees in relation to compensation for the cost of repair work if a breakdown occurs that is not covered by other insurance policies.

Compared to OSAGO or CASCO, car breakdown insurance is considered to be high-risk, since internal vehicle malfunctions occur more often than accidents due to personal fault or due to the influence of third parties. Despite this, some Insurance companies practice issuing separate policies that compensate for a share of the cost of repairs, or carry out such insurance in the form of an addition to the current CASCO agreement.

concept

Car insurance against breakdowns should be understood as a limited list of spontaneous failures of components or assemblies of automotive and bus vehicles that are not provoked by an accident, malicious acts or the influence of natural forces. The approach to insurance of vehicles against breakdowns is not clearly formalized and is determined by the conditions of the programs in force for individual insurers.

As a result, there is no unambiguous interpretation of the concept of this type of insurance, since the variety of types of compensation for damage in the event of a car breakdown makes it too vague.

Its types

Different insurers offer differentiated services, including:

partial or full compensation for repairs in partner car services;
current repair of a car in case of a breakdown on the road with the departure of a team of repairmen to the place;
transportation of a broken car to the place of diagnostics and repair;
Departure of the emergency commissioner for diagnostics of breakage and the advisory help.

Depending on the method of registration, vehicle breakdown insurance is graded into:

registration of an independent policy;
formation of an addendum to the current CASCO agreement.

Read about the rules of car insurance against breakdowns below.

rules

In order to implement car insurance against malfunctions that occur on the road or while parking, it is necessary that the vehicle be recognized as serviceable, and therefore subject to technical inspection and diagnostics of vulnerable components and assemblies.

In most cases, the insurer works in cooperation with the repair service, which is paid for services at a price significantly lower than the official price list. Therefore, the insured entity does not have the right to choose a car service provider.

Average rates

The cost of car breakdown insurance will depend on many interrelated aspects, including:

what complex of services provides for the type of insurance;
the degree of wear of the vehicle and its individual components;
the stipulated maximum amount of damages;
car brands, since the fresher the car and the higher the cost, the more finance should be attracted for repairs.

The cost of the insurance premium can range from several hundred, for example, subject only to towing to the nearest repair point, to several tens of thousands, if a full restoration of the condition of a premium class car is envisaged.

Read more about how to insure your car against breakdowns in the next section.

Preparation of contract

To draw up a contract, you will need a standard set of documents, including:

documentation for the car and the insured person, as well as
a diagnostic card of the car, if it is planned to repair and restore its internal filling.

Since car insurance against possible breakdown is not personalized by the driver, but is tied to the car, being a transferable right, along with property, the main attention is paid to it. Receipt diagnostic card is limited to a single provider cooperating with the insurer, so passing the inspection elsewhere is excluded.

Occurrence of an insured event

When registering an insured event, it will be necessary to diagnose the malfunction and the spontaneity of the consequences, since no insurer will want to pay without establishing the conscientious behavior of the insured person. If an expert opinion reveals that the breakdown occurred as a result of intentional interference and sabotage, then it is rather problematic to prove cleanliness, and the receipt of compensation will have to be claimed in the course of action proceedings.

What will be considered

An insured event will be only that breakdown and a specific unit in respect of which the risks are insured, moreover, it occurred as a result of a spontaneous combination of circumstances. Specific circumstances must be spelled out in the contract and recorded by the emergency commissioner, whose departure is usually implied by any type of insurance.