Insurance of railway transport

Insurance of railway transport

 

Means of rail transport are accepted for insurance in general,
including housing, interior, machinery, diesel generators, etc..
Indemnify incurred in the event of damage or loss of funds
transport as a result of fire, burglary, natural disasters,
crash, crash, crash or exit from the railway.
Objective need for insurance due to the fact that the losses
often arise from factors beyond the control of the person (natural
Nature), in any case do not involve anyone's civil
responsibility. In this situation, it may be impossible to recover damages
someone else, and they "settle" in the sphere of property
the victim. Pre-created insurance fund can be a source
compensation. Insurance is advisable only when
provided legal relationship of the insured and the insurer insurance
events (risks) cause a significant need for money. For example,
an individual who has the need arises, as a rule, not
It can cover its own funds without limitation sensitive
their standard of living.
 Open security
 The object of insurance is the rail (mobile |

 ]Insurance case. |
 For insurance cases include:
 . Crash, crash, damage to rolling stock, leading to
| unscheduled repairs or exclusion from the inventory due to: |
| - Collision; |
| - Derailment; |
| - Fire; |
| - Fall manned flying objects or debris; |
| - A volcanic eruption; |
| - Earthquake; |
| - Hurricane; |
| - Tornado; |
| - Landslide; |
| - Mudflow; |
| - Landslide; |
| - Flooding (flood); |
| - Subsidence; |
| - Lightning; |
| - Explosion; |
| - The collapse of tunnels; |
| - Destruction of bridges; |
| - Violations technology of loading and unloading; |
| - Illegal actions of third parties; |
| - Loss of rolling stock. |
| (loss of the rolling stock is considered to be a long unacknowledged his absence |
| for 40 days). |
| |
| Exceptions |
| For the insurance does not include cases that have occurred in the rolling stock |
| by: |
| -umyshlennyh Insured actions aimed at the emergence |
| insured event or contributed to its occurrence; |
| -Violation fire safety regulations, transportation of poisonous, flammable |
| and explosives; |
| -short-circuit in the electrical grids in rail |
| rolling stock, do not cause the spread of fire beyond |
| machine assembly, a mechanism; |
| -Damage object cargo carried; |
| -actions Insured workers in a state of alcoholic, |
| drugs or toxic substances; |
| -Use technically faulty rolling stock; |
| -Management locomotives, electric and diesel locomotives persons without |
| on this right; |
| -nesvoevremennyh technical inspections and routine repairs; |
| -voennyh action, civil unrest, strikes, terrorist act; |
| |
| -vozdeystviya nuclear energy, chemicals; |
| -izyatiya, confiscation, requisition, arrest or destruction of the insured |
| property by public authorities. |
| [pic] insurance payments. |
| The size of the insurance payment is determined by the Insurer on the basis |
| documents confirming the insured event and the extent of damage. |
| Insurance payment is made: |
| -with damaged rolling stock - at a rate of replacement |
| cost, which includes costs for repairs and shipping |
| damaged rolling stock to the place of repair, but not more than insurance |
| amount. |
| -with Destruction (excluding the inventory) of the rolling stock - at a rate |
| sum insured minus the residual value of the vehicles. |
Insurance w / d transport is non-life insurance and
divided into vehicle insurance as the property (together
devices and mechanisms) and the liability insurance of the owner
vehicle as a source of increased danger.
Motor insurance as property insurance -provides
coverage for vehicles and additional equipment at
their actual total loss, t. e. the total loss of the main functions of the device,
or damage to, t. e. a partial loss of the main functions and (or) key,
secondary and side functions of the product.
The object of the contract of insurance are the property interests
Insurer related to the possession, use and disposal
vehicle due to damage, destruction or theft
vehicle.
As a rule, insurance involves a set of insurance risks,
the alleged events, in case of occurrence of which is held
motor vehicle insurance, additional equipment.
. Insurance risk of "damage" - loss of or damage
the vehicle has occurred as a result of: accident,
fire, explosion, failure of the ice, lightning, storm, storm,
hurricane, rain, hail, heavy snowfall, earthquake, mudslide,
collapse, landslide, flood, floods, other natural disasters,
as well as illegal actions of others. Unlawful
actions of others must be differentiated from circumstances
recognized force majeure (mass disorder, military
conflicts.
Accident recognized destruction or damage to the vehicle
as a result of a traffic accident: a collision with another
ton, the impact (shock) on stationary and moving objects (buildings,
obstacles, animals), overturning, flooding, short circuits
current battle glass fall of the vehicle, as well as any
subject to it [1].
. Insurance risk "losing trade dress" - reduction
the real value of the property vehicle
occurred as a result of repair work with a view
repair damage resulting from events
the corresponding risk of "damage".
. Insurance risk "roadside assistance" - in case of failures in
the work of individual machines, systems, components and devices (except
radio, audio, video and television equipment further
mounted on TS) which prevent movement of the TS and for
elimination of which requires specialist help.
. Insurance risk of "hijacking" - the loss of the vehicle
a result of theft or embezzlement sure confirmation
treatment in law enforcement.
The insurance contract vehicle is a two-way and
It shall be in writing. Parties to the contract are the insurer and
the insurer may also be third parties and beneficiaries.
Insurance can be taken, and additional equipment
Facilities vehicle: car radio and television
radios, salons equipment, lighting, signaling and other
additional devices installed on the vehicle,
meet the requirements of the relevant standards, technical regulations

The specific insurance contract may provide for the responsibility
as the insurer for all insured risks, and in any combination thereof.
Also it may further include insurance
liability or personal insurance of the driver and passengers in the event of
d.t.p.
In order to protect themselves from the damages caused by the
criminal activity insured.