Insurance is required to participate in competitions. How to choose the right one?
How do your policies differ from those sold in schools or sports sections?
What is the difference between accident insurance and compulsory medical insurance and voluntary medical insurance policies?
What situations are not covered by accident insurance?
Does the insurance only cover injuries?
Are electronic policies accepted at competitions and sports sections?
Is it possible to insure several people at once?
I play football with my friends twice a month. Do I have to indicate this when registering?
What does the amount of the payment depend on?
How do I know that you are selling genuine policies?
How do you know you're not inflating your prices?I am responsible for the development of insurance products at Sravni.ru. I help the client to conveniently and easily purchase the insurance product that he really needs.
The standard insurance package includes property, life, and disability insurance. When buying a resale home, title insurance is often included. It protects the right of ownership of an apartment or house – for example, in the event that there are heirs to the property that were previously unknown.
According to Federal Law No. 102 "On Mortgages", only insurance for the collateral property is required - an apartment or house that remains pledged to the bank until the mortgage is fully repaid. Life and disability insurance, as well as title insurance, are purely voluntary. The bank does not have the right to impose these services, and you can refuse them. At the same time, you need to weigh the pros and cons, considering that refusing life and disability insurance, as well as title insurance, in some cases can affect the interest rate. In addition, insuring these risks will protect your finances in the event of unforeseen expenses in the event of an insured event.
What is important to know about mortgage insurance
What can be insured with a mortgage?
At the moment, in Russia it is mandatory to insure real estate purchased poland number for whatsapp with a mortgage. However, banks almost always offer additional insurance for the life and health of the borrower, loss of ability to work, and title insurance.
1. Property insurance
explosions of domestic gas and other accidents on the facility’s utility lines, including flooding;
actions of third parties related to the violation of Russian legislation, including hooliganism and vandalism;
Property insurance is mandatory.
2. Life and health insurance
loss of ability to work for a certain period of time due to illness;
permanent loss of ability to work due to disability or serious illness;
deprivation of the borrower's source of income;
death of a bank client, etc.;
Insurance is issued at will. In case of conclusion of the contract, the amount of the rate reduction is 0.5-1%.
3. Title Loss Insurance
deprivation of ownership of property acquired through a mortgage by a court decision;
Insurance is optional.
What to look for when choosing an insurance company?
How to cancel a policy when the mortgage is fully repaid?
Why you shouldn't refuse life insurance from a bank?
What does the cost of an insurance policy depend on?