OREANDA-NEWS. July 06, 2011. ROSNO launched for Novorossiysk residents a special voluntary private real estate and civil liability insurance program, reported the press-centre of ROSNO.

Thanks to the new project, a housing insurance contract may be concluded without visiting the insurance company. The program enables Novorossiysk residents to insure the furnishing of their apartments and civil liability to neighbours.

The potential insurants are furnished with offers of voluntary insurance coverage of the apartment furnishing and civil liability. Also enclosed is the separate insurance premium payment receipt. If the consumer is satisfied with the offer, he or she may make payment under the said receipt, thus obtaining insurance coverage for his or her property and civil liability for the chosen period. The fact of payment of insurance premium under the receipt constitutes consent to the insurance terms and conclusion of a contract with OJSC IC ROSNO.
 
The insurance coverage of residential premises and civil liability is voluntary, so the decision on whether to participate in the Program is left to each family’s sole discretion.

"From the legal point of view, this is a public offer to conclude an insurance contract, comments Mr. Artem Iskra, Director of the Personal Property Insurance Department of OJSC IC ROSNO. — The acceptance of the terms of this offer is constituted by payment of the insurance premium. Immediately afterwards, the insurance terms submitted by mail become a full-fledged contract, and, from the first day of the month immediately following the month of payment, the apartment is automatically insured".

The cost of voluntary insurance under the new Program is just 100 roubles per month. This contribution will enable an insurant to qualify for insurance compensation of up to 195,000 roubles. The insurance protection becomes effective on the first day of the month immediately following the month when insurance premium is paid. Those who participate in this program will be able to protect their property in case of any of the following events: fire, gas explosion, flood, natural disasters (storm, whirlwind, hurricane, tornado, or hail), and lightning strike.

Today, the voluntary housing insurance program developed by ROSNO experts is successfully implemented in many Russian regions, including Moscow. During the years of implementation of this project, insurance compensations were paid to thousands of people residing in megalopolises.

Insurance is an efficient tool of property protection against unforeseen situations, recognized in all civilized countries. According to the EmerCom statistics, each hour 16 fires are raging in residential buildings across Russia. The country’s average material damage from each of those fires is 35 thousand roubles.