The expert spoke about non-insured situations

Insurance remains a reliable financial protection tool, but not every incident is recognized as an insured event. Alexander Abramov, Executive Director of Sberbank Insurance, told Izvestia on January 27 about the key reasons for the refusal to pay and important nuances of the contract.

"The main principle of insurance is assistance in case of damage as a result of unexpected events that occurred after the policy was issued and its conditions were met. At the same time, the policyholder must confirm the incident with documents: medical certificates, photographs or an expert opinion," he said.

In car insurance (CASCO), payments are not required if the damage is due to natural wear and tear of the car — replacement of brake pads, shock absorbers, oil and other elements of scheduled maintenance. Also, the use of a car for other purposes is not recognized as an insured event, for example, to participate in races or to operate a taxi without an appropriate option. Minor household damage is not covered: chips, scratches from branches or gravel, as well as damage caused by the owner during self-repair.

Punctures of tires or disc deformation from hitting a pit are not insured separately. However, damage from external unpredictable events such as falling trees, hail, and hurricanes is usually compensated.

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Insurance companies will be required to file lawsuits against violators in cases of accidents with aggravating circumstances.

"In accident insurance, it is important that the event complies with the terms of the contract. The policy covering domestic injuries does not apply to extreme sports. An incident that occurred before the start of the policy will also not be recognized as insured, even if the consequences appeared later. It is critically important to seek medical help immediately after the incident and record the fact of injury, otherwise it will be difficult to prove it later," Abramov warned.

Housing insurance covers only the risks explicitly stated in the contract. For example, damage to neighbors from a flood caused by the policyholder is not compensated if the civil liability option is not enabled. Payment is also not provided for damage due to natural wear and tear of structures, such as a leaky battery or the collapse of a dilapidated building, as these situations are not sudden. The law also exempts the insurer from liability for losses from confiscation or seizure of property.

In travel insurance, a standard policy does not cover cancellation of a trip for personal reasons, such as sudden illness - this requires a separate option. Flight cancellation is also not an insured event, as the airline is responsible for ticket refunds. The additional "flight delay" option usually becomes effective only if there is a delay of more than three hours.

To simplify the settlement, Abramov recommends that you carefully study the contract before signing, provide reliable data and promptly record any incident using photos, certificates and protocols. It is convenient to apply through the digital services of the insurance company. Choosing an insurer with a proven reputation also increases the likelihood of a transparent and prompt resolution of the issue.

On January 7, the Ministry of Internal Affairs of Russia warned about the risks of using paid services for issuing CTP policies. The agency noted that such proposals can lead to loss of money and invalidation of the insurance, since registration of the policy and receipt of the commission are allowed only through insurance companies or accredited agents.

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