From what it is possible застраховать the property?

3. Insurance risks

3.1. According to the present rules the property is a subject to insurance, damage or which destruction has occured owing to:

• 3.1.1. A fire;
• 3.1.2. Impact of a lightning;
• 3.1.3. Explosion of the gas used in the economic purposes;
• 3.1.4. Falling of flying devices or separate subjects from them.

Fire – fire which has arisen outside places stipulated for it or overcome such places and capable to extend independently. According to the present rules of insurance losses from influence of fire which is not considered as a fire, and also damages застрахованного property as a result of its processing by fire, heat or other sort of thermal influence with the purpose of processing of property are not compensated or at realization of other purposes (for example, drying, кипячение, глажение, hot processing or плавка metal).

Impact of a lightning – direct hit of a lightning in застрахованное a building (including the raised pressure, an induction of a high pressure or any other phenomenon of an electric origin).

3.2. According to the present rules it is in addition possible застраховать the losses which have resulted:

• .2.1. Damages or destructions of property at act of nature:

- Flooding; an output of subsoil waters on a surface; break of a dam (except for diversions);

- Hurricane, a storm, a sandy storm, a tsunami;

- A downpour, a hailstones, for a concrete place the unusual natural phenomena in the form of a rain or snows;

- A collapse, earthquake, eruption of a volcano,
проседание ground, a glacier.

• 3.2.1.1. The losses which have resulted earthquake or subsidence of ground, are compensated only in the event that the insurant will prove, that at designing, construction and operation застрахованного structures or construction were observed seismological conditions of the location of these buildings.

• 3.2.1.2. The losses which have resulted action of a glacier or subsidence of ground, are not compensated in the event that they have arisen at performance of explosive works, works in карьерах or performance of other excavations, and also at works on extraction of minerals.

• 3.2.1.3. The losses which have resulted an air stream at a drill, hurricane, a sandy storm or owing to other natural atmospheric processes, are compensated only in case speed of a wind at which the damage is caused, exceeded 15 km/s. Speed of a wind proves to be true corresponding information of establishments of Hydrometeorological center ЛР. The damage caused by penetration of a rain, a snow, a hailstones or a dirt in застрахованное a premise through open windows, doors or other apertures in a building if such apertures have not resulted from a storm, hurricane, a tornado or a sandy storm is not a subject to compensation.

• 3.2.1.4. If the reason of losses at act of nature is the age of a building, its various damages during long operation, the Insurer has the right to refuse to pay insurance compensation in such size in what the age and deterioration застрахованного buildings has affected volume of losses. If the Insurant will prove, that the age and deterioration of a building have not affected the size of losses, a duty of the Insurer to pay insurance compensation remains in force.

• 3.2.1.5. Losses if застрахованное the property is damaged as a result of penetration into a building of rain, water or other water through a holey roof are not compensated.

• 3.2.1.6. Are not a subject to insurance of a building and a structure, if they:

- Are not completed by construction;

- Long time (more than 60 day) are not borrowed for realization of major overhaul or in other purposes.

• 3.2.1.7. If застрахованное the building prepares for clearing for major overhaul or in other purposes for long term, the insurant should inform on it to the insurer. The insurer has the right to suspend the contract of insurance for this time.

• 3.2.2. Damages or destructions of property at explosion:
  - An event near to a building;

- The equipment established in a building;

- Systems of submission of gas;

- Systems of submission of fuel;

- Boilers of a central heating.

• 3.2.2.1. Explosion is promptly proceeding process of clearing of a plenty of energy on the basis of expansion of gases or паров. Explosion of the tank (a boiler, the pipeline, etc.) considers only such explosion at which walls of the given tank collapse in such degree when possible there is an alignment of pressure inside and outside of the tank. If inside of the tank there is an explosion as a result of prompt chemical reactions, insurance covers the arisen losses and in the event that walls of the tank do not collapse.

• 3.2.2.2. Insurance does not cover losses if they have resulted from a discharge in the tank of vacuum or gas.

• 3.2.2.3. The losses which have resulted explosion of dynamite or other explosives if it separately is not stipulated in the contract of insurance are not a subject to compensation. Explosives are understood as chemical compounds or the mixes possessing properties of fast chemical reaction with allocation at it of a plenty of heat and gases and which are specially stipulated for manufacture of explosions in this or that area.

• 3.2.3. Damages or destructions of property by water water.
  The losses caused by water water, are losses which have resulted from influence of the water which have broken from water, sewer, heating and fire-prevention systems as a result of their sudden damage (failure).

• 3.2.3.1. The insurant has the right to stipulate separately in the contract of insurance insurance of expenses:

- On elimination of sudden damages of the pipelines which are being in застрахованном a building;

- On elimination of the damage caused by sudden freezing of systems of a waterpipe, the water drain, heating or fire-prevention system, and also it is direct with them the connected devices and devices (heating boilers, boilers, radiators, cranes, gates);

- On defreezing of systems of a waterpipe, the water drain, heating, fire-prevention;

- On clearing застрахованных premises after an insurance case.

• 3.2.3.2. The losses connected with repair, change or defreezing of pipelines or their parts, located outside of buildings and premises are not compensated.

• 3.2.3.3. The losses which have arisen because of sudden operation of systems пожаротушения if they have worked are not compensated:

- Because of a heat as a result of a fire;

- At repair or reconstruction застрахованного buildings and constructions;

- At installation, dismantle, repair or change of designs of the system пожаротушения;

- Because of defects of construction or defects of the system пожаротушения about which the Insurant knew or it should be known before occurrence of damage.

• 3.2.3.4. By insurance do not become covered:

- Losses because of damage застрахованного property water if it is not caused by any of the reasons listed in item 3.2.3, for example, damage rain or thawed snow, at cleaning premises, at flooding or as a result of increase of a level of subsoil waters;

- The losses which have resulted natural deterioration or corrosion of a waterpipe, the water drain, systems of heating or пожаротушения;

- Indirect losses, such, as not received profit, the lost benefit, losses of water, pair, heat, etc.;

- The losses which have arisen at storage of the goods in warehouses if they were in semibasement or other profound premises and settled down at height less, than 20 sm from a floor;

- The losses which have arisen prior to the beginning of insurance, but opened during its action.

• 3.2.3.5. The insurant is obliged:

- To provide normal operation of systems of a waterpipe, the water drain, heating and пожаротушения, their duly maintenance service and repair;

- At clearing a building or a structure for long time (more than 60 days) for major overhaul or for other purposes to disconnect the above-stated systems and to release them from water and pair.

• 3.2.3.6. At default by the Insurant of the duties specified in item 3.2.3.5, the Insurer has the right to refuse to pay insurance compensation in full or in part in such size in what default of the set forth above duties by the Insurant has led to increase in the size of losses.

• 3.2.4. Damages or destruction of property as a result of burglary or robberies within the limits of a place of insurance.

• 3.2.4.1. In the contract of insurance burglary of a premise are understood as cases, when the offender:

- Has got in застрахованное a premise, having cracked doors or windows a master key, counterfeit keys or using other means. Counterfeit keys if they are made under the order are considered or with is conducted the persons who are not having the rights to dispose by original keys; the fact of loss of keys with застрахованного places insufficiently that application of original keys has been proved;

- Has appropriated subjects from the closed premises into which it earlier has got simple by, скрытно there was before their closing and has cracked doors or windows with use of master keys, counterfeit keys or other means to get out of a premise;

- During the moment of ordinary theft it is noticed and thus used the means listed in item 3.2.4.2 with the purpose to extract краденное.

• 3.2.4.2. In the contract of insurance the robbery are understood as cases, when:

- Concerning the insurant or the persons working for it, the violence over suppression of their resistance to illegal withdrawal застрахованного property is applied;

- The insurant or persons working for it under threat of their life or transfer health застрахованное property within the limits of a place of insurance or suppose such transfer; if a place of insurance are some buildings or objects a robbery is withdrawal of property which has occured in a building or on object in which had a threat of a life or to health of the insurant or persons, it working;

- застрахованное the property is withdrawn from the insurant or the persons working for it, during the moment when they are in a helpless condition (if only such condition is not consequence of their malicious intention or rough negligence) therefore the given persons are not capable to resist to withdrawal.

• 3.2.4.3. The losses which have resulted actions of the third parties do not become covered by insurance:

- Living in common with the insurant and leader with the insurant the general facilities if the behaviour of such persons has attributes of a robbery or theft;

- Working for the insurant, except for cases when preparation and realization of a robbery or burglary occured during when access in застрахованные premises to the specified persons have been closed;

- During military actions, civil excitements and under similar circumstances.

• 3.2.4.4. In addition to positions of the presents the Insurant corrected is obliged:

- To satisfy a condition of protection of property and the storages of values stipulated by laws, other statutory acts or contracts of insurance;

- In a time off to provide the closed storage застрахованного property, and in places of storage of values to execute all possible actions on their safety stipulated for similar places by the contract of insurance or statutory acts;

- To make the inventory and to keep account застрахованного personal estate.

• 3.2.5. разбитие windowpanes, mirrors, show-windows, glass walls, an illuminated signs and similar products from glass.

• 3.2.5.1. Losses if the insurances of a product listed in the contract from glass which are inserted in window, doorframes are broken are compensated or mounted in places of their fastening. Damages of a surface of such products from glass (for example, scratchs) are not a subject of the contract of insurance.

• 3.2.5.2. The losses which have arisen are not compensated:

- Releasing or at dismantle of products from glass from window, doorframes or from other places of their constant fastening;

- At special or casual painting glass products.

• 3.2.5.3. Under the separate agreement of the parties can be застрахованы the charges connected with:

- Time replacement of the broken glasses if it is impossible to replace immediately the broken glass similar;

- Installation and демонтажем the subjects complicating replacement of broken glass (jalousie, lattices, etc.);

- Rent and installation of building woods if they are necessary for replacement of glasses by the top floors;

- Painting, a list, an engraving and similar ornaments of glasses;

- Installation and assembly of an illuminated signs.

• 3.2.5.4. It is not supposed to defreeze a product from glass or to kindle on them an ice with application of heating devices (blowtorches, quartz lamps, heaters, etc.), by means of hot water or pair. Застрахованные products from glass should settle down on distance not less than 30 sm from heating devices and devices of an illuminated signs.
• 3.2.5.5. leasing premises, the Insurant should inform the tenant on the above-stated norms of safety.

3.3. The losses which have resulted are not a subject to compensation:

• 3.3.1. Military actions, civil war, mass excitements, strikes, disputed situations, arrest, destruction or damage of property under the order of military or civil authorities or as a result of their consequences;
  *3.3.2. Influences of any kind of a nuclear energy, radioactive materials or ionizing radiation;
• 3.3.3. Conscious negligence or rough imprudence of the insurant, застрахованного or their representatives;
• 3.3.4. Self-ignitions, rotting or display of other natural properties;
• 3.3.5. Influences of insects, worms or rodents;
• 3.3.6. A collapse of structures or their parts if it has occured not owing to approach of an insurance case;
• 3.3.7. Thefts or plunders of property during the moment of an insurance case or at once after its approach;

Actions of terrorists or any other persons operating on political grounds.