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Now amendments to the Law on contracts the insurances prepared by association of insurers and the transferred Commissions of the market of the finance and the capital (КРФК), and then on a stage in the Ministry of Finance, wait for turn on consideration by assembly of state secretaries. Being accepted, they will noticeably facilitate a life not only to insurers, but, that especially pleases, and to their clients |
As Elena Alfeeva has told to Telegraph vice-president of insurance company BTA, now the law clearly and unambiguously demands, that on the paper contract about insurance there were signatures of two parties – the client and the company. It is good still, that for this purpose do not demand to use ink.
Meanwhile in просвещенной to the Europe for a long time in a course so-called remote contracts, which conclusion does not demand an internal meeting of the parties. In Latvia also exist the instruction on remote contracts in sphere of financial services and the corresponding decision of the Cabinet, but the mentioned law is more important.
What promise to the client of the insurance company of the amendment to it? As the president of company Balta Janis Abashin has explained to Telegraph, first of all they will give essential economy on administrative charges. For basically if the client has made payment it automatically is a recognition of that it agrees with treaty provisions. That is money in this case replace its signature on a paper. And in this sense comparison with reservation of tickets aboard the plane on the Internet arises – the economy not only time, but also money turns out.
According to Elena Alfeevoj, benefits of correspondence insurance in its such kinds, as, for example, insurance of travel are especially obvious. The sum cheap and to drive for the sake of it the client in branch of the insurer simply unmercifully. Especially in such heat, as today.
Insurance societies already any time experiment remote contracts. Probably, for example, remote prolongation of the contract. Or, say, the company sends the enterprise the letter in which offers застраховать such object on such conditions. At reception of payment the policy operates with such on such number. Just now the clerk of the company should find a way to meet the client to exchange autographes.
Naturally, completely to exclude contact of the parties at some cases and kinds of insurance it will not be possible, and the purposes such it is not put. For example, when the employee of the insurance company should familiarize with object of insurance, etc.
As participants of the market hope, amendments to the law could come into force already in it to year. They also not in all agree with the changes brought in them КРФК, and name their too bureaucratic and complicating a life of insurers and their clients. However, possibly, with them it is necessary to be reconciled as with smaller of harms – the commission simply wishes to make secure.