How often, leaving an apartment or leaving a country house for several months, did you think about the safety of your own property, which may suffer from unforeseen incidents? Have you ever wondered how much the losses will cost, and what will be the cost of restoration?
It is in these cases that the insurance policy "Hello, Neighbor!" Comes to the rescue. from VTB. The company has been on the market for a long time and has managed to establish itself as a reliable insurer, one of the top ten insurers in Russia. The company offers to insure an apartment, a house, a summer cottage, as well as the furniture and appliances in them.
A unique offer from VTB Insurance is the policy “Hello, neighbor!”. The uniqueness is that it can be bought ready-made, practically without documents and examinations. The seller can only ask for a passport, although it will be needed at registration as well.
This insurance package can be presented or used independently, and all the necessary options are already included in the contract and do not need to be specified or added.
Property insurance rules "VTB Insurance"
The sum insured is divided into two parts, one of which protects real estate and personal property, namely:
- Redecoration, electrical wiring, water supply and household equipment;
- All appliances, including video and audio, household;
- Furniture, jewelry, valuable property and clothing.
The second part protects the civil liability of the insured towards neighbors, guests and other third parties who may have suffered as a result of emergencies.
Insurance situations:
- Actions prohibited by law, for example, theft, attempted entry, hooliganism, fighting, etc.
- Flooding, whatever the reason;
- Natural disasters such as hurricane, flood;
- The outbreak of a fire, as a result of a lightning strike, short circuit of electrical wiring, explosion of household appliances and other things;
- Damage to property as a result of mechanical impact on it, for example, it can be dropped, scratched.
The cost of the VTB policy under the "Hello, Neighbor!"
There are six varieties of the Hello Neighbor pole:
| Insurance policy cost | The maximum amount of payment is directed to the protection of property (in case of damage: interior decoration, movable property, household appliances) | The maximum amount of payments for repayment of civil liability |
|---|---|---|
| 549 rubles | 100,000 rubles | 50,000 rubles |
| 799 rubles | 150,000 rubles | 70,000 rubles |
| 1,599 rubles | 300,000 rubles | 200,000 rubles |
| 2 999 rubles | 500,000 rubles | 250,000 rubles |
| 5,000 rubles | 750,000 rubles | 350,000 rubles |
| 12,000 rubles | 1,250,000 rubles | 750,000 rubles |
Of these, three popular tariffs stand out:
- The first policy, which costs 1,599 rubles and is designed to cover inexpensive property, is most suitable for communal apartments and apartments.
- The second policy costs 5,000 rubles and is calculated for apartments with European-quality repair and country cottages, the insured amount is 1,100,000 rubles, of which 750,000 are directed to protect property, and 350,000 to cover civil liability.
- The third and most expensive policy costs 12,000 rubles, with increased protection up to 2,000,000 rubles, of which 1,250,000 can be used to compensate for lost immovable and movable property, and 750,000 can be used to compensate third parties for damage. Designed for luxury residential buildings and apartments to cover all damage caused. Sold exclusively at VTB Insurance offices.
If it turns out that the amount of any damage is more than the claimed compensation in the contract, the policyholder undertakes to pay it himself and not claim additional insurance premiums. If the amount of damage is less than promised, then it is compensated in full without the right to count on the remaining money.
Ivanov and Petrov bought themselves two policies worth 5,000 rubles ...
Ivanov and Petrov bought themselves two policies worth 5,000 rubles. After a certain time, they simultaneously had a pipe break, at the time of the start of the heating season. Petrov was at home and managed to eliminate the accident in time by calling a special. services. Ivanov, however, stayed at work, and therefore not only his apartment, but also the apartment of his neighbors below, suffered by his arrival. As a result, the total amount of damage to Petrov was 100,000 rubles, which included replacement of batteries, parquet and payment for emergency services. At Ivanov, the total damage was more than 1.5 million, since it was necessary not only to change pipes and parquet, but also to pay for the damage caused to neighbors. Turning to the insurance company, Ivanov received only the declared 100,000, and Petrov 700,000 and 400,000, the remaining money he had to pay out of his own pocket.
Where can I get the policy “Hello, Neighbor!”?
Insurance policy "Hello, neighbor!" VTB insurance is notable for its availability, because it can be bought not only at the office of VTB Bank, but also at Sovcombank, Raiffeisenbank, Russian Post, Rostelecom, Euroset, Megafon, Eldorado, Know-How, Svyaznoy and from other partners.
To purchase it, you do not need to provide documents on the property, the opinion of appraisers and generally show your property to anyone. The seller may ask for a passport to confirm the purchase.
Activation of the policy "Hello, neighbor!" from VTB insurance
Insurance begins to operate only after activation, and it must be carried out no later than the 30th day from the date of purchase. The duration of the insurance policy is 1 year. To activate the purchased policy, you need:
1. Go to the official website of VTB in the section "Individuals" and find "Property insurance". There, select the service insurance policy "" ().
2. In the left menu there is a button "Activate policy", click on it.
3. After clicking it, a page will open with fields for entering information. The policyholder independently enters the policy number, activation code and validity period.
Then provide information about yourself:
- Date of Birth;
- Contact phone number and email.
There must be information about the insured property:
- Type of property (apartment or house);
- Region, city, street and house of the insured building.
Now the policy is officially activated and will take effect after a month (waiting period, 1 month insurance will be frozen), this was done on purpose to prevent abuse. Be sure to keep your purchase receipts, they will be needed in the event of an insured event.
Policy "Hello, neighbor!" will help the property owner in case of emergencies. The insurance program includes many property risks. To purchase insurance, you must contact the bank branch, pay and immediately receive the product.
Residential property is often subject to damage beyond the control of the owner. Policy "Hello, neighbor!" promises monetary compensation for the most common risks. It is doubly pleasant that you can purchase an insurance product both for yourself and for a friend or relative as a gift.
After the purchase, within one month, the service should be activated. Policy "Hello, neighbor!" is in the box and also contains an information brochure. The employee also informs the purchaser of the activation code.
Insured events included in the policy "Hello, neighbor!" VTB are the most in demand.
The subject of insurance is:
- Compensation for damage in case of flooding of neighbors;
- Repair of property and furniture;
- Appliances;
- Parts of the interior;
- Textile items, personal items.
It is worth noting that there are exceptions. If the client is flooded by the neighbors from above, and his protection has not yet been activated, this case is not considered insured.
It is impossible to insure the house. The insurance covers either an apartment or a room.
The insurance indemnity applies in the event of the following cases:
Report the problem immediately. To do this, the client needs to contact an employee of the company and follow the instructions received. The phone number is indicated on the insurance contract as well as on the product box.
Service Tariffs
If a person decides to insure property under the “Hello, neighbor!” Program, he has a choice of the following types of policy:
- Standard (economy option). It has a minimum price, and when an insured event occurs, the user receives payment for the restoration of communications and payment for repairs. The same amount is paid for the repair of household appliances and replacement of furniture;
- Comfort (classic look). This type of policy is reimbursed from the first only by the amount of insurance coverage. The program also includes the risk of flooding the apartment.
- Premium (maximum protection). This is the most expensive program and provides a high level of protection. The insurance indemnity is a large amount, and in the absence of living space, the bank pays for the policy holder's accommodation at the hotel.
Policy cost
It is worth setting the value of the property adequately. The price of the policy depends on this.
The more the company is ready to pay for an insured event, the higher the cost of the program. There is no need to conduct a property valuation before purchasing a product. There are also no additional costs.
Cost Maximum amount (payment in case of damage to property) Maximum payment amount (civil liability) RUB 549 RUB 100,000 RUB 50,000 RUB 799 RUB 150,000 RUB 70,000 RUB 1,599 RUB 300,000 RUB 200,000 2 RUB 999 RUB 500,000 RUB 250,000 RUB 4,999 RUB 750,000 RUB 350,000
Where does the insurance take place?
You can get insurance almost anywhere.
- The most convenient way to do this is at an insurance company. Employees have information on the product, they are ready to advise the client and give comprehensive answers to all questions.
- It is convenient to make a purchase in communication salons. In addition to some business (paying for the phone), you can buy insurance.
- In VTB Group banks, employees are also informed and understand insurance issues. They can help with the design.
- Electronics stores offer an insurance product in addition to a loan for their product.
- Even in post offices there is a policy “Hello, neighbor!” For sale.
Purchase a policy remotely
It is convenient to purchase a product in the office and use the consultation of an employee. Due to lack of time, not all buyers can come to the point of sale. For this, a great feature has been created: online registration. You need to start buying on the official VTB website. The insurance company opens a tabbed page that is easy to use.
The process looks like this:
"Property" → "Apartment insurance" → "Housing data" (area of the apartment, its exact address).
The program calculates the amount of the insurance policy automatically.
The client has to decide on the insurance period. The data entered by the buyer is entered into the policy. Next, you pay for the service by card. And the client becomes the owner of the policy "Hello, neighbor!"
Documents for registration
To issue a policy, you will need a basic package of documents: a passport of a citizen of the Russian Federation and a certificate of registration of ownership.
Requirements and difficulties in concluding a contract
Only an adult citizen of the Russian Federation can take out insurance. If the owner of the home is a minor child, the service is provided by his legal representative.
The policy is non-refundable, because after the purchase the funds are not returned, and the loan agreement cannot be terminated.
The extension of the insurance program is not provided. You need to purchase another policy.
Policy activation
The policy begins to operate only after passing the activation process. This option is available on the official website of the company.
- Policy number. Indicated on the policy, also included in the contract.
- Activation code. Was directed to the phone number upon purchase.
- Buyer's details. Introduced in accordance with the passport.
- Property address. The exact address of the location is required.
- Insurance period. Installed by the client.
- Contacts for communication. Better to include multiple phone numbers.
- E-mail.
An information letter is sent to the indicated e-mail address from the insurer, which contains a copy of the policy (to be printed) and a link to the personal page (for registration).
The insurance begins to operate one month after activation. This condition was introduced to avoid cases of fraud. The protection period is one year.
Reviews about insurance "Hello, neighbor!"
80% of insurance product reviews are positive. Users believe that it is easy and short-lived to get a policy. This saves a lot of time. It is also noted that in the event of damage received, compensation often covers the entire amount of damage caused. Positive statistics encourages users to purchase the product again after the expiration of the insurance.
Conclusion
Worried about their property, the owners buy the policy “Hello, neighbor!”. The presence of the policy guarantees the peace of mind of the owner. VTB insurance company will always help you in case of problem situations.
