When applying for insurance, the main thing is to make the right decision in choosing an insurance company and correctly draw up all the documents. Below is how to properly arrange insurance.
Instructions
Step 1
Our time is an era of rapid and unpredictable changes, hard work, and constant haste. And, of course, I would like to have some kind of "reserve fund" that gives guarantees of protection and reliability. Insurance can become such a "reserve fund". Indeed, insurance is the best way to compensate for all kinds of losses. But! In order to experience only the positive aspects of insurance, you should make some effort. First of all, you should be extremely scrupulous in choosing an insurance company. The receipt of money in the event of an insured event will ultimately depend on its reliability. Therefore, when choosing an insurance company, show maximum activity: conduct "monitoring" of the media and the Internet, interview your acquaintances and consult with lawyers.
Step 2
After the insurance company has been selected, you can proceed directly to the registration of insurance. In order to obtain insurance, you will definitely need the following documents (originals or notarized copies):
- a document proving the identity of the policyholder (passport for individuals or certificate of registration of the Russian Federation for legal entities);
- application for signing the contract.
Step 3
Further, depending on the type of insurance, the following documents may be needed: When insuring a car: a copy of a driver's license of persons allowed to drive, a copy of a car registration certificate, a technical inspection coupon, a sales contract (if any), a car passport. a copy of the certificate of ownership of the insured property; in case of health insurance and life insurance: a completed medical questionnaire or the results of a medical examination (so that the insurer has an idea of the actual state of health of the insured); in case of civil liability insurance: documents confirming the right of ownership, ownership or disposition of property and characterizing the activities carried out.
Step 4
In some (not quite standard) situations, employees of the insurance company may be asked to provide an additional package of documents in order to objectively assess the insurance risks. Before signing the documents, you should clarify whether the insurer has a valid license for the required type of insurance. Next, carefully read the contract and all its annexes (it would be nice to familiarize a lawyer with the documents!) After the documents are signed by both parties, do not forget to take the insurance policy, the contract and its annexes, payment receipts, make copies and keep them (both copies and originals) in safe places (for example, copies at home and originals in a safe deposit box).
