An event stipulated by the insurance contract or the law, upon the occurrence of which the insurer is obliged to pay insurance to the insured person.

Purchasing a compulsory CTP VO, you insure your civil liability for compensation for damage to life, health and/or property of victims caused when you (the persons specified in the policy) use the vehicle.

If the insurer has paid the insurance indemnity to the victim during the validity period of the compulsory insurance contract, then the policyholder must pay the insurance premium in proportion to the rest of the validity period of the compulsory insurance contract from the moment of receiving notification from the insurer that the insurance indemnity was paid within two weeks.

In this case, if the vehicle is damaged by a tree, then the insurance indemnity under the insurance policy is not carried out.

The object of compulsory insurance is the property interests of vehicle owners associated with the occurrence, in accordance with the legislation, of their civil liability for compensation for damage to life, health and (or) property of victims caused when using a vehicle.

The policy is insured:

• structural elements: walls and partitions, constructions of balconies and loggias, as well as terraces
• finishing and engineering equipment: door and window blocks (including glazing); floors (except for floor coverings); a layer of finishing materials that are inseparable from the surface of the floor, ceiling and walls; plumbing and engineering equipment; electrical wiring; electric meters;
• movable property: furniture (including built-in, cabinet); household appliances; office equipment; computer equipment, peripherals; televisions, audio equipment; means of urban telephone communication; clothing and shoes; sports and tourist equipment; interior items, bedding; baby strollers and toys. (when drawing up a contract, it is necessary to describe this category of property in order to withdraw the insured amount for this risk, if items from this category are expensive).
• civil liability to neighbors or third parties in case of damage or injury.

To get help, you need to contact the Assistance Service Company by the phone numbers specified in the insurance policy and inform:

• last name, first name, number and validity period of the insurance policy;
• your location and contact phone number;
• a brief description of the problem.

Follow the instructions of the operator of the Service Company.

An employee of the service company will select a medical facility for you to provide assistance

Follow the recommendations of the operator of the service company.

Assistance is a service company whose tasks include providing assistance in the event of an insured event.

For example, you became ill on vacation, you need medical help. When contacting the assistance service, whose contacts will be indicated on your insurance policy, a doctor will be sent to you or information will be provided - where and to whom to contact, where the necessary examinations will be organized. The assistance service will help in the purchase of medications prescribed by a doctor, in partner pharmacies.

The assistance company also performs other tasks. It implements:

• Round-the-clock call reception;
• Organization of medical care;
• Search and rescue operations abroad in the presence of a travel insurance policy;
• Organization of transportation to the homeland, etc.

The grounds for refusal of insurance payment are:

• Commission or attempts by the Insured to commit a crime and/or participation in illegal activities that are directly causally related to the occurrence of an insured event;
• Intentional self-harm, as well as suicide or suicide attempts of the Insured; A state of alcoholic, toxic or narcotic intoxication, which is indirectly or directly causally related to the occurrence of this insured event;
• Consequences of accidents and/or illnesses that occurred before the start of the insurance period;
• Fraud, that is, the commission or attempts by the Insured to commit deliberate actions in order to receive insurance benefits or aimed at the occurrence of an insured event;
• Exposure to nuclear explosion, radiation (radiation exposure) or radioactive contamination;
• Military actions, as well as maneuvers or other military activities.

1. Exclusions from insurance coverage or non-insured event
When an insurance event occurs, the insurer follows the principle on which the contract is based. If this is insurance against named risks, it is checked whether the causes of the event correspond verbatim to one of the risks listed in the contract, and then whether these reasons are not in the exceptions. If this is insurance "against all risks", then, on the contrary, it is checked whether the causes of the event are not included in the list of exceptions.

2. Franchise
The deductible is a part of the loss that is not reimbursed by the insurer. It is one of the factors determining the cost of insurance, but when concluding a contract, customers often do not attach importance to this.
The deductible can be set as an absolute value and as a percentage of the insured amount. The insurance company will deduct the deductible from the cost of repairing a car or apartment when calculating the insurance indemnity, and if the repair cost is less than the deductible, then the payment will simply be zero. This is the so-called "unconditional franchise".

3. Violation by the client of the terms of the insurance contract
Insurance contracts prescribe a certain procedure for the actions of customers upon the occurrence of an insured event. The most common reason why an insurance company may refuse is ignoring the need or recommendation of the operator of the insurance company's call center to contact the competent authorities to fix the event and determine the culprit.
At the same time, insurance contracts may assume more lenient conditions and a list of cases when the client does not need to contact the competent authorities, or, conversely, the insurance company may not refuse, but limit the amount of compensation if such an appeal has not been made.

4. Providing false information to the insurance company
Fraud, that is, the commission or attempts by the Insured to commit deliberate actions in order to receive insurance benefits or aimed at the occurrence of an insured event.

5. Untimely loss notification
Another common reason is the delay on the part of customers in notifying the insurer about the event. As a rule, the terms of contracts prescribe to customers the obligation to notify the insurer within two to three days from the date of the loss or to call from the scene of an accident.
This was done for a reason, but because due to the untimeness of the appeal, the opportunity to give the client the right recommendations on minimizing damage or fixing the event is lost, so that in the future the insurer would have the opportunity to investigate it or get the right to claim against the perpetrators of the loss.

6. The insurance contract is not valid
The insurance contract may not be valid due to late payment of the insurance payment – the simplest situation. The insurance contract may not be valid in the territory where the loss occurred, or may not be valid for a certain period of time – the cases are more complicated.
The so-called coverage area is usually clearly specified in the contract.

7. Refusal to cover all damages
The point is that the insurer has the right to make a judgment about which part of the loss claimed by the client relates to the circumstances described by him, and which does not.
For example, when examining a car after an accident, it is recorded that the rear part of the car is damaged, but there is still damage to the front doors on the car. The insurer may refuse to eliminate them due to doubts about their connection with the accident.
When insuring an apartment, for example, we can talk about repairs that are not directly related to the elimination of the consequences of flooding.

Fortunately, there are not so many such cases, and the insurance company always tries to explain to customers why certain losses cannot be included in the compensation.