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We shall begin with the basic concepts and definitions. |
Страховой полис – the document certifying the conclusion of the contract of insurance and including conditions of insurance, and also all changes and additions of the given contract about which the insurer and the insurant have reached the agreement during action of the contract of insurance.
It would be desirable to pay your attention, that the pole can be, for example, Northern, or Southern, or magnetic, and the policy can be insurance only.
In the contract of insurance следущие participants (at what it can be as absolutely different persons so one person) usually stipulate:
Страховщик – the Insurance company.
Страхователь – the legal or physical person who concludes the contract insurance (to own advantage or in favour of other person).
Застрахованный – the legal or physical person having insurance interest and in favour of which the contract of insurance is concluded.
Выгодоприобретатель – the legal or physical person who is having the right of reception of insurance compensation.
Страховой интерес – interest of the Insurant (Застрахованного, Выгодоприобретателя) in not incurring losses at approach of insurance risk.
Страховой риск – in an insurance policy stipulated, from will Застрахованного not dependent event, which approach is possible in the future.
Страховой случай – with застрахованным risk causally-is investigatory connected event at which approach according to the contract of insurance payment of insurance compensation is stipulated.
Страховая сумма – in the contract of insurance the established sum of money, on which at insurance upon losses and damages застрахованы a property or interests.
Страховая премия – in an insurance policy the established payment for insurance.
Страховое возмещение – the insurance sum, its part either other sum or provided services at approach of an insurance case according to the contract of insurance.
The most important mistake of inhabitants is a mess of concepts the Insurance sum, the Insurance premium, Insurance compensation.
Now, knowing the basic concepts and definitions, we shall try to understand that as as should be написанно in the insurance contract.
In the policy should be specified: date of the conclusion of the contract of insurance, terms of its action, terms of payment of the insurance premium.
Usually the insurance policy inures at 0:00 next day after its signing, and last day actions of the contract (for example, 10/20/2004 we sign the policy for the period of one year, and at night on October, 21st at 0:00 the policy will come into force, and will operate up to 24:00 10/20/2005) operates till 24:00.
Usually the Insurer demands to pay the insurance premium before coming into force of the insurance contract, but quite often the Insurer suggests “to delay” payment of the insurance premium or to divide the insurance premium into some payments (but the increase in quantity of payments, as a rule, increases the size of the insurance premium).