Essential Summer Driving Tips ENJOY SUMMER DRIVING IN THE UK WITH THESE SAFETY TIPS If you’re planning a staycation this year or intend on driving during the summer months, there are some simple things you can do to keep you and your vehicle safe. According to our survey, almost three-quarters of us (73%) are planning on travelling to a UK destination in 2018. London topped the list of UK tourist hot spots that Brits plan to visit, followed by the Lake District, Edinburgh and Cornwall. All of this means that many of us will be spending a lot of time driving so it makes sense to ensure you’re properly prepared in order to avoid problems associated with dry and hot weather. Before you set off Check your wipers and top up on windscreen washer fluid — debris and dirt on your windscreen are not just distracting in themselves but can also worsen the effect of any glare from the sun Keep a pair of sunglasses handy – these are essential for those really sunny days, but make sure...
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Investment Insurance Investment insurance is a type of insurance where the subject of the insurance contract are property interests, not in conflict with the law, related to investment activities of the insured or another person designated by the insured in the insurance contract. This type of insurance provides for the insurer's obligation to pay indemnification in accordance with the insurance policy by compensating the insured or another person designated by the insured in the insurance policy (the beneficiary) for the loss incurred in the course of investment activities as a result of the loss of investments or a part thereof, failure to receive investment income for reasons specified in the regulations and the insurance policy. Loan Insurance (Liability for Loan Default) Loan insurance (including borrower's liability for loan default) is a type of insurance where the subject of the insurance contract are property interests that do not contradict the law and are rela...
Insurers and fraudsters - the confrontation continues
Insurers and fraudsters - the confrontation continues, the formats are changing How are strategies and tactics in the fight against insurance fraud changing? What threats and dangers await insurers and the insurance market in the "digital future"? These and other questions will be answered by Igor Fatyanov, Chairman of the Insurance Fraud Control Committee of the All-Union Insurance Association. How will insurance fraud and abuse of rights in automobile insurance change in connection with the development of information technology? Does digitalization work to the advantage of insurers or fraudsters? Are there examples of "high-tech" fraud that have been detected or prevented? Of course, fraudsters are mastering the digital space. The most common cases (which are now more or less dealt with) are fake websites issuing fake CMTPL policies and the use of Internet sales for fraud. I don't take cyber-risks yet, because they are not so often realized in Russia. On t...
Cargo and Luggage Insurance Cargo and baggage insurance is a type of insurance under which the subject of the insurance contract are property interests not in conflict with the law on possession, use and disposal of cargo and baggage (cargo) transported by any means of transportation. This type of insurance provides for the Insurer's obligation to pay indemnity in accordance with the terms of the Insurance Contract by compensating the Insured or another person designated by the Insured in the Insurance Contract (the Beneficiary) for the loss incurred by them as a result of damage, destruction (loss) or loss of the insured cargo and baggage (cargo) or a part thereof during transportation by any means of transportation and, if provided for by the regulations and the Insurance Contract, during its temporary storage. The terms and conditions of voluntary insurance of cargo and baggage (cargo baggage) may provide for insurance against risks of fire and natural disasters. Marine in...
Insurance of civil liability of a bankruptcy trustee
Insurance of civil liability of the liquidator Insurance of civil liability of a bankruptcy trustee (receiver, manager, liquidator) for damage that may be caused in connection with the performance of his duties is a type of insurance, the subject of which are property interests, not in conflict with the law, related to compensation of damage caused by the insured or another person, whose civil liability to third parties is insured, as a result of the professional activity of the bankruptcy trustee (receiver, manager, liquidator). This type of insurance provides for the insurer's obligation to pay indemnification to a third party for a fee (premium, insurance payment, insurance premium) established by the insurance contract in accordance with the terms of the insurance contract for damage caused by unintentional actions or errors in the exercise of the powers of the insolvency manager (receiver, liquidator, liquidator). Agricultural insurance Agricultural insurance (Insurance...
How much are overpaying for policies?
Generosity of insurers: how much do people overpay for policies? Services for the sale of policies to insurers themselves cost 241.4 billion rubles in the first nine months of 2019. Banks earned more than others, whose commissions reached 150.5 billion rubles - the same amount as for the whole of 2018. And they were ultimately paid by insurance buyers. Consumers have a choice: they can buy a policy in the office of the insurer, on its website, from an agent or from a bank. The only difference is the price, which is made up of the basic cost of the policy and the commission of the agent selling it. It is higher with banks. For example, an accident policy with a payout in case of death of the insured of 750 thousand rubles can be bought from the insurer for 3.9 thousand rubles, while in the bank it will cost 4.9 thousand rubles. Nevertheless, Russians often buy insurance in banks. First, because banks are trusted by 88% of the population, while insurance companies are trusted by only...