RKR Blog

How to Apply for Admission in Harvard Graduate school of education

2012-08-24T23:29:00.000-07:00

Application Requirements for 2012-2013
A complete application to a doctoral or master's program consists of the following:
Online Application Form
2 Short Essay Questions (Ed.L.D. only)
$85 Application Fee - paid via credit card with the online application
Statement of Purpose
Three Letters of Recommendation (these must be submitted through the online application system)
Resume
Official Transcript(s) from each Postsecondary Institution Attended
International Transcript Request Form (77KB pdf) for each institution outside the United States
Standardized Test Score(s):
GRE (mandatory for all applicants)
GMAT (option for Ed.L.D. applicants ONLY who wish to submit in lieu of GRE scores)
TOEFL (if applicable)
For additional information about the application process, please visit our FAQ page. A printable version of the application instructions (398KB pdf) is also available.
Please note that interviews are only a part of the Ed.L.D. admissions process at HGSE, and will take place from March 1-2, 2012; there are no interviews for the Ed.D. or Ed.M. degree programs. Also, several programs have additional application requirements.
It is not possible to apply to multiple degree programs for the same academic year.
You must submit all of your required documents online except for your academic transcripts. We prefer that you collect all of your academic transcripts (each individual transcript should issued by the institution in a sealed envelope that bears an official signature, stamp, or seal) and place them together in one envelope before sending them to the Admissions Office.
When filling out the application, please enter your academic history as early as possible, so that we are able to match incoming transcripts to the schools you have entered. Once you have submitted your application, you will be able to view which transcripts the admissions office has received.
If you have unofficial, electronic copies of your academic transcripts, we encourage you to upload them into the Education section of your online application in order to facilitate online committee review. Please note that all applicants are still required to mail official transcripts to the Admissions Office.
After you enter the contact information for your three recommenders on your application, we will send each of them an email with instructions about logging onto our system. At that time, they will have the opportunity to fill out the Recommendation Form and upload a recommendation letter. Recommendations must be submitted online.

Read more: http://www.gse.harvard.edu/admissions/apply/how_to_apply.html

Areas of training on the SSAU faculties and institutions

2012-08-21T21:26:00.002-07:00

Faculty / Institute	Cipher, the GEF	Name	The level of training	Specialization profile master's program
Institute of Space Technology	160400.65	Design, manufacture and operation of rockets and rocket-space systems	Specialist	Missile transport systems
	160400.65		Specialist	Deployable space structures
	160400.62	Missiles and space	Bachelor	Missilery
	160700.65	Design of aircraft and rocket engines	Specialist	Design of liquid rocket engines
	160700.62	Aircraft engines	Bachelor	Rocket engines on liquid fuel
	161101.65	Aircraft Control Systems	Specialist	Control systems, launch vehicle and spacecraft
	161101.65	Aircraft Control Systems	Specialist	Missile control system
	161100.62	Traffic control systems and navigation	Bachelor	Aircraft Control Systems
	160400.68	Missiles and space	master	Dynamics and strength of structural elements of aircraft
Department of Civil Aviation and Customs	036401.65	Customs	Specialist
	162300.62	Technical operation of aircraft and engines	bachelor	Maintenance of aircraft and aircraft engines
	162500.62	Technical operation of aircraft electrical systems and flight control and navigation systems	Bachelor	Maintenance and repair of aircraft electrical systems and flight control and navigation systems
	162300.68	Technical operation of aircraft and engines	Master	Analysis and synthesis of the operational and technical characteristics of aviation and space technology
	162500.68	Technical operation of aircraft electrical systems and NCP	Master	Technical operation of aviation and space technology
Institute of Informatics and Telecommunications	090302.65	Information security of telecommunication systems	Specialist	Information security space telecommunication systems
	090303.65	Information security of automated systems	Specialist	Open information systems security
	090900.62	Information Security	Bachelor	Security of telecommunication systems
	090900.62	Information Security	Bachelor	Security of automated systems
	210400.62	Radio engineering	Bachelor	Radio devices transmit, receive and process signals
	210700.62	Information and communication technology and communication systems	Bachelor	Communication network and switching system
	220100.62	System Analysis and Control	Bachelor	Modeling and operations research in the organizational and technical systems
	230100.62	Computer Science and Engineering	Bachelor	Automated Data Processing and Management
	230400.62	Information Systems and Technology	Bachelor	Information Systems and Technology
	231000.62	Software Engineering	Bachelor	Development of software and information systems
	231300.62	Applied Mathematics	Bachelor	Mathematical modeling in economics and engineering
	210700.68	Information and communication technology and communication systems	Master
	090900.68	Information Security	Master	Management of information security of automated systems
	210100.68	Electronics and nano-electronics	Master	Electronic Devices and Appliances
	220100.68	System Analysis and Control	Master	System analysis and control in large systems
				Systematic data analysis and decision-making models
				System analysis under uncertainty
				Systems analysis in business
				System analysis in business process management
				Systems analysis in engineering systems
				Systems analysis design and technological solutions
				Systems analysis design and technological solutions
	230100.68	Computer Science and Engineering	Master	Theoretical Computer Science
				Microprocessor
				Intelligent Systems
				Computer networks and telecommunications
				Methods of analysis and synthesis of design solutions
				Information and CAD software
				CAD computer technology and information management systems
				Computer Simulation
				Computer analysis and interpretation of data
				Information and Control Systems
				Information technology in the closed ecosystem
				Security and Information Protection
	230400.68	Information Systems and Technology	Master	Data management
				Information systems in mathematics
				Multimedia Technologies
Space Research and High Technology	011200.62	Physics	Bachelor	Fundamental physics
	120100.62	Surveying and Remote Sensing	Bachelor	Remote sensing of natural resources
	011200.68	Physics	Master	Information processes and systems
	011200.68	Physics	Master	Physics of Nanosystems
Faculty of Mechanical Engineering and Mechatronics	141200.62	Refrigeration, cryogenics and livelihoods	Bachelor	Refrigeration and technology
	150700.62	Engineering	Bachelor	Equipment and Welding Technology
	151900.62	Engineering and design software engineering industries	Bachelor	Mechanical Engineering Technology
	221700.62	Standardization and Metrology	Bachelor	Metrology, standardization and certification
	221000.62	Mechatronics and Robotics	Bachelor	Mechatronics
	141100.68	Power Engineering	Master	Steam and gas turbines
	141200.68	Refrigeration, cryogenics and livelihoods	Master	Refrigerating machines and installations
	150700.68	Engineering	Master	Technology, equipment and automation of welding production
	151900.68	Engineering and design software engineering industries	Master	Mechanical processes
	151900.68	Engineering and design software engineering industries	Master	Drive systems engineering objects
	221700.68	Standardization and Metrology	Master	Metrological assurance of quality control properties and composition of substances, materials and products
Faculty of Engineering and Economics	080100.62	Economy	Bachelor	Economy
				Finance and credit
				Accounting and Audit
				Taxes and Taxation
	080200.62	Management	Bachelor	Production Management
				Marketing
				Logistics
				Management of technological innovation
	230700.62	Applied Informatics	Bachelor	Applied Informatics in Economics
	150700.62	Engineering	Bachelor	Management of high technology
	222000.62	Innovation	Bachelor	Innovation management, innovation processes and projects (by industry and activity)
	080100.68	Economy	Master	Financial Economics (Investment)
				Economic theory and financial and credit relations
				Accounting and Audit
				Innovation in Economics and Management
				Information Systems in Business
	080200.68	Management	Master	Strategic Management
				Logistics
				Marketing in an industrial complex
				Aerospace Management Company
	230700.68	Applied Informatics	Master	The corporate governance system
	222600.68	Organization and management of knowledge-intensive industries	Master	Management of high-tech industry
Faculty of Humanities	031600.62	Advertising and Public Relations	Bachelor	Advertising and Public Relations in the commercial sphere
	031600.68	Advertising and Public Relations	Master	Advertising and Public Relations
	080200.68	Management	Master	Legal support of business activity
	230700.68	Applied Informatics	Master	Applied Informatics in the arts and humanities
	230700.68	Applied Informatics	Master	Applied Informatics in design
International School of Business	080200.62	Management	Bachelor	International Management
	080200.62	Management	Bachelor	Project Management
	080400.68	Personnel Management	Master
	080200.68	Management	Master	Financial management
				Project Management
				International Business
				Innovation management in international corporations
				Corporate governance
				Management of human resources
	081100.68	State and municipal management	Master	Management in state and local agencies, organizations, institutions

All universities in usa

2012-08-19T21:13:00.001-07:00

American University
Appalachian State University (ASU)
Arizona State University
Auburn University
Baylor College of Medicine
Baylor University
Bentley College
Boise State University
Boston College
Boston University
Brandeis University
Brigham Young University
Brown University
California Baptist University
California Institute of Technology (Caltech)
California Lutheran University
California Polytechnic State University
California State University Chico
California State University Long Beach
California State University Northridge
Capella University
Carnegie Mellon University
Case Western Reserve University
Central Michigan University
City University of New York
Claremont Graduate University
Clark University
Clemson University
College of William & Mary
Colorado State University
Columbia University
Concordia University - Irvine
CORCORAN COLLEGE OF ART & DESIGN
Cornell University
Dartmouth College
Drexel University
Duke University
Ellis University
Embassy of Switzerland - Washington
Embry-Riddle Aeronautical University
Emerson College
Emory University
ETS - Educational Testing Service.
Florida International University
Florida State University
Fordham University
George Mason University
George Washington University
Georgetown University
Georgia Institute of Technology
Georgia State University
Hamline University
Harvard University
Hawaii Pacific University
Hofstra University
Howard University
Hult International Business School
Humboldt State University
Illinois Institute of Technology
Illinois State University
Indiana University Bloomington
Iowa State University
James Madison University
Johns Hopkins University
Kansas State University
Keck Graduate Institute of Applied Life Sciences
Kent State University
Lehigh University
Louisiana State University
Loyola Marymount University
Loyola University Chicago
Loyola University Maryland
Marquette University
Marymount University
Massachusetts Institute of Technology (MIT)
Medical College of Wisconsin
Medical University of South Carolina
Mercer University
Miami University
Michigan State University
Missouri University of Science and Technology
Monterey Institute of International Studies
Mount Sinai School of Medicine
New College of California
New Jersey Institute of Technology (NJIT)
New York Film Academy
New York University (NYU)
North Carolina State University
Northeastern University
Northern Illinois University
Northwestern University
Nova Southeastern University
NYU School of Continuing and Professional Studies (NYU-SCPS)
Ohio State University
Oklahoma State University
Oregon State University
Pennsylvania State University
Pepperdine University
Polytechnic Institute of New York University
Polytechnic University
Princeton University
Purdue University
Regis University
Rensselaer Polytechnic Institute
Rice University
Rochester Institute of Technology (RIT)
Rockefeller University
Rutgers - The State University of New Jersey, Newark
Rutgers, The State University of New Jersey, New Brunswick
San Francisco State University
San Jose State University
Savannah College of Art and Design
School for International Training, Graduate and Professional Studies
Smith College
Southern Illinois University
Southern Methodist University
Southwestern Law School
St. Johns University
Stanford University
Stevens Institute of Technology
Stony Brook University
Suffolk University Law School
Swarthmore College
Syracuse University
Temple University
Texas A&M University
The John Marshall Law School
The University of Connecticut Health Center
The University of Georgia
The University of Texas Health Science Center at Houston
The University of Texas M. D. Anderson Cancer Center
The University of Texas Southwestern Medical Center at Dallas
Thomas Jefferson University
Thomas M. Cooley Law School
Thunderbird School of Global Management
Tufts University
Tulane University
UC Irvine - Extension, English and Certificates for Internationals
University at Albany SUNY
University at Buffalo SUNY
University of Alabama
University of Alabama at Birmingham
University of Alabama, Huntsville
University of Arizona
University of Arkansas
University of Arkansas Fayetteville
University of Bridgeport
University of California, Berkeley (UCB)
University of California, Davis
University of California, Hastings College of Law
University of California, Irvine
University of California, Los Angeles (UCLA)
University of California, Riverside
University of California, San Diego (UCSD)
University of California, San Francisco
University of California, Santa Barbara (UCSB)
University of California, Santa Cruz
University of Central Florida
University of Chicago
University of Cincinnati
University of Colorado at Boulder
University of Colorado, Denver
University of Connecticut
University of Delaware
University of Denver
University of Florida
University of Hawaii at Manoa
University of Houston
University of Illinois at Urbana-Champaign
University of Illinois, Chicago (UIC)
University of Illinois, Springfield (UIS)
University of Iowa
University of Kansas
University of Kansas Medical Center
University of Kentucky
University of Louisville
University of Maryland, Baltimore County
University of Maryland, College Park
University of Massachusetts - Boston
University of Massachusetts Lowell
University of Massachusetts Medical School - Worcester
University of Massachusetts, Amherst
University of Miami
University of Michigan
University of Minnesota
University of Mississippi
University of Missouri Saint Louis
University of Missouri, Columbia
University of Missouri, Kansas City
University of Montana Missoula
University of Nebraska
University of New Haven
University of New Mexico
University of North Carolina at Charlotte
University of North Carolina at Greensboro
University of North Carolina, Chapel Hill
University of Notre Dame
University of Oklahoma
University of Oregon
University of Pennsylvania
University of Pittsburgh
University of Rochester
University of San Diego
University of San Francisco
University of South Carolina
University of South Florida
University of Southern California
University of Tennessee
University of Texas Arlington
University of Texas at Austin
University of Texas at San Antonio
University of Texas Dallas
University of Texas El Paso
University of Texas Medical Branch - Galveston
University of the Pacific
University of Toledo
University of Tulsa
University of Utah
University of Vermont
University of Virginia
University of Wales
University of Washington
University of Wisconsin Milwaukee
University of Wisconsin-Madison
Vanderbilt University
Villanova School of Business
Virginia Commonwealth University
Virginia Polytechnic Institute (Virginia Tech)
Wake Forest University
Washington State University
Washington University in St. Louis
West Virginia University
Western Kentucky University
Western Washington University
Willamette University
Woodbury University
Worcester Polytechnic Institute
Wright State University
Yale University
Yeshiva University

Top 10 World University Rankings

2012-08-19T21:10:00.002-07:00

Rank	School	Overall Score	Academic Reputation Score	Employer Reputation Score	Faculty-Student Ratio Score	International Faculty Score	International Students Score	Citations per Faculty Score
#1	University of Cambridge United Kingdom	100.0	100.0	100.0	98.9	98.4	96.6	92.7
#2	Harvard University United States	99.3	100.0	100.0	96.4	76.9	86.0	100.0
#3	Massachusetts Institute of Technology (MIT) United States	99.2	100.0	100.0	99.9	50.0	97.9	99.6
#4	Yale University United States	98.8	100.0	100.0	100.0	84.3	65.6	97.2
#5	University of Oxford United Kingdom	98.0	100.0	100.0	100.0	98.2	95.9	82.0
#6	Imperial College London United Kingdom	97.6	99.8	100.0	99.7	99.7	99.9	79.6
#7	UCL (University College London) United Kingdom	97.3	99.4	82.0	99.0	96.2	99.7	89.5
#8	University of Chicago United States	96.1	99.9	90.0	95.8	71.5	81.4	92.3
#9	University of Pennsylvania (UPenn) United States	95.7	98.7	90.0	99.5	64.1	66.3	94.9
#10	Columbia University United States	95.3	99.9	100.0	95.8		86.2	95.8

Fees Range (USD$)	Domestic	International
Undergraduate	14,000 - 16,000	22,000 - 24,000
Postgraduate	4,000 - 6,000	24,000 - 26,000

Predictions for 2011 The year of e-learning - a view from India

2012-08-18T22:24:00.000-07:00

Always fun to watch as anyone in this time of year trying to guess how the rest of the year to come. Before you post my thoughts on the year of 2011, I believe, worth checking out my predictions for the year 2010, published at about this time a year ago. That's what I predicted last year:

No.	Prediction	Fulfilled?	Analysis
For India
A.	Distribution of training programs.	Yes	Supported by various government agencies, training programs have grown violent color in 2010 and will continue to rise in 2011
Two.	Further spread of e-learning in government offices.	Yes	All of the public sector to the military in 2010, put requests for the purchase of e-learning systems - a trend will continue and expand
Three.	The introduction of learning management systems in the sector of traditional education.	No	It did not receive such an extension, as I expected (at least not for us and the companies in the state of affairs that I know) - I hope 2011 will be different the second to the best
4.	The movement toward online exams in different areas of education and testing in employment, especially in state agencies.	Yes	All India entrance test for engineering majors (AIEEE), J2EE, Final qualification test for engineers (GATE) and other organizations have begun to develop their own plans for the introduction of online testing. The industry looks every day more interesting.
Five.	Social and mobile learning will continue to be in its infant stage of development.	Yes	In India, yet there is no significant movement in this direction, despite some interesting projects, such as Kinetic Glue. Tablet PCs may change this situation, if the price drops below 5,000 Indian rupees per share.
For global markets
6.	The explosive spread of electronic books.	No	In fact, I'm not quite sure about this, because we do not deal with too many e-books. But around them there was so much noise, as in the past year (and I myself, still, use a paper book) - try to suggest that a breakthrough is yet to come - maybe this year or next.
7.	Mobile learning at last show rapid growth.	Yes	iPad and Android - these two phenomena are shaped mobile world in 2010. Previously, it was about a new class of devices - tablet, now that they are available to all. We noted a great interest in developing content and applications for these mobile platforms - we expect that this segment will grow rapidly in 2011.
Eight.	Fast content will set the tone.	Yes	It was a no brainer. Customers and developers are moving away from unnecessary multimedia saturation of courses and focus on their effectiveness in a concise chart. This is the right trend and it will evolve.
9.	LMS will remain the main medium of delivery of training courses, the search for alternative media will continue.	Yes	Despite all the negative talk, LMS continued to be the main medium of electronic delivery of training courses in 2010. Community experts in professional training has not found an answer to the question of how to structure learning through social networks. So, the year 2011 will not be in this respect very different from 2010, the (at least in the corporate sector).

Seven of the nine - not bad for an amateur forecaster, is not it! Do you agree with the above analysis?

Now the forecasts for 2011. In addition to these trends there are several developments that I believe will have an impact next year:

growth of online training sessions conducted "live" in India

Birth controlled movements and interactive learning

Funds will support the spread of performance

volume of outsourcing will continue to grow

Serious games will gain momentum

LMS still remain the main tool of e-learning

That is, I believe, will be the case in 2011. What are your thoughts?

Key Success Factors of Educational Technologies

2012-08-18T22:21:00.002-07:00

A team of researchers from the project "Revolution in Education" ( Project RED ), with close ties to the institution of the Individual Training ( One-to-One Institute ), has recently published a report on best practices implementation of educational technologies in schools. From this we can see how technology affect the performance of pupils and reducing costs.
The report contains seven main conclusions. The first is that the positive impact of technology on the educational process is determined primarily by the following nine factors:
1. Technology is integrated into all classes of early intervention;
2. Director and other school leaders allocate appropriate time for training and joint work of teachers in the use of new technologies;
3. Students use technology to share learning,
4. Lessons from the use of embedded technologies are included in the basic training schedule at least once a week or more,
5. In examining the material, at least once a week, conducted an online evaluation of acquired knowledge and skills ;
6. The lower the number of students per computer, the better
7. Virtual travel are held monthly,
8. Students use search engines daily,
9. Director held training sessions on the following topics: how to support teachers of technology, best practices implementation of educational technologies, changes in the educational process, occurring as a result of the introduction of technology.

According to that report, about one percent of schools surveyed have implemented all nine points. School of individual learning, which made it significantly outperformed all other schools, including other schools of individual learning, which have adopted, not all key factors.

"The presence of computers in schools - this original action, which does not guarantee improvements in the learning of materials" - the report says. "Best practice implementation of technology is as important as the technology itself."

The report also noted a positive relationship between the right embedded technology and lower costs. According to these estimates, in the case of the widespread implementation in secondary schools in the U.S. system of education management, saving only copy on a national scale could be worth $ 739 million. On the other hand, the savings comes from reducing redundancy in data storage and software, reducing the cost of tracking and identifying the best educational materials for specific groups of students and reduce the number of expelled students.

The report says that gaining support from influential people in the school, for example, the director, is the key to successful implementation of technology, use of technology in the classroom early intervention improves the results shown in the tests and the level of assimilation of course material, reduces the number of expelled students. The report found that online interaction between students increase their productivity and engagement in the learning process, and the best results were achieved with daily use of educational technology.

Data were obtained from the study of the situation of almost a thousand schools in Washington and various cities in forty-nine states. The report states that during the study examined the state of affairs in specific schools, rather than the situation in the field of education in the region. This approach has allowed researchers to better understand the needs of students, teachers and school administrators.

I think that you're familiar with the names of some of the people running the project "Revolution in Education". This is Leslie Wilson ( Leslie Wilson ), the executive director of the Institute for Individual Training, Thomas Greaves ( Thomas Greaves ) of the Greaves Group, and Jane Hayes ( Hayes Jeanne ) of the Hayes Connection, and others .

If I want to get HTML5, what tools should I use?

2012-08-18T22:17:00.004-07:00

Some of the most powerful tools available. Here's something: Adobe Captivate test output in HTML5, Articulate today announced the conclusion of HTML5 for the Storyline , and Allen Technologies is working on HTML5 for the withdrawal of ZebraZapps .

Well, in addition, I propose to draw attention to applications that are not specifically designed to create learning content, for example, Adobe Dreamweaver for a full authoring, or Tumult Hype , and Sencha Animator to create animations . This will not only expand your knowledge and skills, but also can help to broaden horizons in design ... especially if you have previously used the only means of rapid development.

So what can you do with HTML5?

2012-08-18T22:16:00.001-07:00

You can create powerful applications. Blah, blah, blah ...

No, let's try one more time.

You can do wonderful things . You can respond to the fact that introduces the student to use plug-ins that understand gestures. You can create a multimedia classroom. You can create applications for drawing, editing images, or sound. You can create a drum kit. You can turn the subway map of New York in a musical instrument. You can create a Quake (note: violence) or Angry Birds . (Warning: Angry Birds contains some built-in Flash, as I understand it, only for sound). And also a whole bunch of other games.

And what you can do all this? I think not. And I certainly can not. But those who possess the technology, they can. Not so long ago we could hardly have done in Flash that is now very easy to do using a fast development. There will be some growing pains, while the tools will be developed.

What is so important HTML5?

2012-08-18T22:15:00.001-07:00

When I asked this question in the group, which last month I talked about the development tools HTML5, about half of those present raised their iPad-s. Good answer!

Apple had not let Flash on their iOS-device (iPhone, iPod Touch and the iPad), but these devices are very popular so that we can ignore their users. And then there's Adobe announced that it stops the development version of the Flash Player, which is used by all other mobile devices. Even on a desktop and laptop kompyuerah with the Flash plug-in could be in trouble ... and this despite the fact that during the last ten years he gave us the opportunity to receive all the wealth of multimedia over the Web.

But HTML-code, which we obtain at the output of such tools as Lectora and Toolbook , usually so ... static . How do we get all the same opportunities for learning, if we do not use Flash?

So, HTML5 has the most features of Flash, but far more opportunities to play on different mobile devices.

E-learning in the cloud

2012-08-18T22:13:00.002-07:00

The value of e-learning for educational institutions has increased rapidly, contributed to successful development of a "golden cage" virtual learning environment. Meanwhile, many students create their own educational environment, combining different services Web 2.0, which they find most comfortable. Cloud computing offers new opportunities for schools to provide dynamic and relevant, based on Internet technology applications for e-learning. Cloud computing provides a high level of customer service and compliance with e-rate policy of the institution and the state education standards. This technology has influenced the architecture and logistics services provided by the introduction of training courses. Cloud technologies bring with them new risks but also opportunities for schools and students, respectively, to give and receive better services for less money. This is likely to inflict a serious blow to the business model developed by existing suppliers VLE, delivering an integrated set of tools for e-education, deployment and maintenance of IT department of the institution.

Trends in e-learning in 2011, the year

2012-08-18T22:12:00.002-07:00

Resource Learning Circuits have recently questioned readers about how they use e-learning in their organizations. Here's what they said.

How does your organization uses e-learning? (Check all that apply)

Education in the aftermarket	34.2%
Changes in the enterprise	12.7%
External customers / clients	20.3%
Administration skills (leadership, working with cases of sexual harassment, se, etc.)	30.4%
IT (application for end users / applications to the desktop SCS)	39.2%
IT (Network Infrastructure)	12.7%
IT (programming languages)	6.3%
Keeping staff informed about new acquisitions	6.3%
The military needs	2.5%
Update and implement the product	20.3%
Compliance with legislation	35.4%
Training for Sales	20.3%
Training conducted through the cooperation / distribution channels	5.1%
The development of specific skills	35.4%
Troubleshooting industrial / technical	15.2%
We are at the initial stage of implementation of e-learning	15.2%
Other (specify your option)	13.9%

How to choose an best or cheap insurance company

2012-08-18T07:46:00.000-07:00

All of us, sooner or later resort to the services of insurance companies: buy a policy of compulsory motor liability insurance, are going abroad for vacation, we want to take care of the preservation of a city apartment or suburban home.

Choose with the company on the territorial principle, as a dry cleaner or pharmacy is not recommended. But if you do decide to apply to the little-known insurer, it is not too lazy to put at least some information about who you are going to entrust their health or property and from whom they would like to receive adequate and full compensation for possible losses in the insurance case.

If the circle of your friends no people professionally involved in this area that could give you expert advice, all the burden of choice (with all its consequences) will fall on you. However, you can rely on the experience of friends who are already customers of insurance companies, and ask whether they are satisfied with the service, whether they had insurance claims, and how quickly they were paid indemnity. If the resolution passed without loss problems, and they received an adequate amount, it already serves as a good recommendation, and we can try to become better acquainted with the insurer.

The name of the well-known companies, which have all "by ear" in itself is a fairly strong argument that it does not evaporate in a year or two steps of your insurance contract. However, we can deal with small companies, only the first is to secure certain guarantees of reliability. Some information about insurance companies is available online for some - will have to go to the office of the insurer.

What we must try to find out about the company before you entrust to it the most expensive?

The important point is the term of the company in the market. Of course, it is better to choose an insurer for a long time - more than five years - providing its services to citizens. Long work testifies to the stability and sustainability of the company.

"Talking about shareholders, should be prepared for the fact that, for example, if an insurance company owned by management, it is quite likely the most unexpected turns in her biography - up to complete the sale. Safer, if a company has several large industrial ownership or financial structure of shoulders where it belongs. This greatly improves the performance of its guarantee of financial obligations, "- said Chief Financial Officer SG" Insurance Capital "Vladimir Soloviev.

Passage of rating procedures - already a big plus for the company, and if it is in the hundreds, or even better - one of the first fifty insurers, the chances of finding in you a new client for it has steadily increased.

See what kinds of insurance company actually spends and how much all their is licensed as actively engaged
in it is the kind of insurance that you need. Whether it is involved in joint promotions or programs with other companies: banks, car showrooms, construction companies and others. Whether the company is developing with the new insurance programs and services.

"Ask anyone from corporate clients ready to show off the company. If she trusted their insurance coverage-known companies and organizations of production, it is hoped that the modest and your interests will be considered by it," - recommends the CEO of SK "Komestra Center" Eugene Mayboroda . It is important that
the company was sufficiently focused on the retail business.

Of course, much can be said about the company financial performance, but an inexperienced person to understand them is almost impossible. Moreover, it is not always important only the absolute values of these figures, it is important to their relationship and interdependence, for example, the ratio of earned premiums and payments, and so on. "In order not to" drown "in the tables and unfamiliar terms, it is enough to make sure that the dynamics of the whole is positive and the company is developing quite actively," - says Chief Financial Officer SG "Mezhregiongarant" Andrey Fomin.

The authorized capital of the company must comply with specifications of Russian legislation. "According to the law on insurance business - says CEO" WITH Zenith "Alexander Kabanov, - from 1 July 2004 the authorized capital of the insurer must be at least 10 million rubles. For property insurance, 20 million rubles. - For life insurance. But just in case it is better not to contact insurers barely got to the "bottom bracket" and choose a reputable company with a capital of 200-300 million rubles. "

It is worth noting the extent to which the insurer is actively present in the region, whether its developed branch network. Participation of companies in state and local programs - is evidence of the manifestation of confidence in it by the authorities, as well as membership in the insurance pools, community and professional associations. The active charitable activities undertaken by the company, not only speaks of the social orientation of its business, but also serves as an indication that the company has sufficient cash.

By making a "virtual" option, be sure to visit the head office of the insurer, see how he resettled how attentive management to our clients whether a sufficient amount of information contained in the booklets and leaflets on the type of insurance you are interested. Having decided to purchase insurance, be sure to discuss with the manager of their problems, do not hesitate to ask questions and seek clarification on any of the insurance contract. Remember that once you put your signature and paid the insurance premium will be too late to change anything.

How to leave the insurer with minimal losses

2012-08-18T07:43:00.000-07:00

Change the insurance company profitable after two years of service in it. Terminated the contract with your insurer of life, the client must be prepared for the fact that the company will pay him less than he gave her.

The fact that the early termination of the contract the insurance company pays the client a so-called redemption amount. The size of it will always be less than the funds already made by the client. "The redemption amount is calculated mathematically on the date of termination of the contract of insurance, depending on the period during which the contract and acted in accordance with methodology approved by the State Commission for Regulation of Financial Markets" - explains the actuary department of insurance premiums accounting and actuarial insurance company "Blakitny polіs" Vladislav Makhlai.

On the redemption amount and term of the agreement affects the amount of payments already made. "The size of the redemption amount depends on the period for which the contract is concluded, the duration of its action, in fact, made payments and the sum insured," - says Cards. It also determines the amount of the redemption policy of each individual insurance company. For example, in "Grave Ukraine" surrender value is 95% of what the client has made. And the insurance company "Jupiter", one of the programs of insurance "for the 2nd year actually paid out 50% of the accumulated amount, and then paid 95% in fact, the accumulated amount." The official explanation for this behavior of insurers - that the money the company spent on the teller customer service and payment of taxes on its premiums. A similar practice exists in the banks - if the client wants to withdraw the money early, he will get not 10%, for example, annual, and only 2% or 1.5%.

Two years without the right care

In most companies during the first two years of the contract, the customer is not entitled to the redemption amount (the standard term life insurance contract - 10 years). "According to the rules of our life insurance company, the redemption amount is payable only after two full years of the contract of insurance" - warns Makhlai. A similar term redemption offer to its customers in the companies' Grave Ukraine "and" Oranta-Life. " "In" Grave Ukraine "redemption value already appears in the second year of the term of the policy. And many companies pay the purchase price only after three years ", - says member of the board of the insurance company" Grave Ukraine "Roman Denise. "Until the end of the second year of insurance surrender value is equal to zero" - agrees with him head of underwriting and customer service insurance company "Oranta-Life» Victoria Maps. Also, the redemption amount differs depending on the coating, which is included in a particular insurance policy. "According to the insurance program, which places emphasis on the accumulation, the redemption amount will be higher than under the program, which focuses on the risk part", - says Cards.

For what may be expelled from the customer

The initiator may be a cancellation of the contract and the insurer and the policyholder. Moreover, if the initiator supports the policyholder, he can not explain the reasons for termination. But the reasons for termination of contract by the insurance company must always be grounded. In accordance with Art. 28 of the Law of Ukraine "On Insurance" Insurance Company has the right to terminate the insurance contract unilaterally without the consent of the insured. That is, if the customer complies with all terms of the contract, the insurer can not be out of nowhere to break the contract, otherwise it will end litigation. "In order to terminate the contract required a special reason, such as gross violations of the insured," - says the representative of the Grazer Wechselseitige Versicherung AG in Ukraine, a member of the insurance company life «Grave Ukraine" Roman Denise.

First of all, such grave breaches include the provision of false or incomplete information in the contract. However, the client can "lie" of ignorance, and insurance companies, as a rule, pre-check the weight of lies client. "The insurance company has initiated termination in the case where the client provides deliberately incomplete or false information, which are significant in assessing the risk," - says the head of underwriting and customer service insurance company "Oranta-Life» Victoria Maps.

A significant reason for the termination of the contract is a failure to pay the next premium. But in this case the insurer will not immediately break off relations with the client, and offer a few options out of the situation, including the revision of the contract and changing the size and frequency of payments.

According to Mahli Vladislav, "the grounds for early termination of long-term contract of insurance is the liquidation of the insurer in accordance with the legislation of Ukraine, and the adoption of the judgment of the insurance contract null and void."

Ironically, the reason for termination of the contract may be ... an insurance payout. "Pay the client compensation for disability, the Company may terminate this relationship further by the client, if it considers that a customer in his own new as an unacceptable risk", - said Denis.

How to get insurance money for damage to a vehicle parked in the penalty area?

2012-08-18T07:41:00.000-07:00

Car Insurance Claims for Stolen CarsCar Insurance Claims for Stolen Cars and PropertySoon marks a year since then, as every day from the streets of Moscow to evacuate more than 150 cars that have broken the rules on standing or parking. Increasingly, there are cars, the doors, trunk and hood are glued bright stripes with the words "car pound." It's no secret that the procedures for loading / unloading and storage of the vehicle in the parking lot "traumatic", and damage to the paintwork and crumpled wheels are a common fee for parking in the wrong place.

Many owners of foreign cars and new domestic cars believe that caused the financial problems associated with the repair of the car after the car pound, can be successfully solved by the insurance company. However, it appeared that the policy is comprehensive insurance does not always get paid for the "evacuation" damage.

According to head of motor insurance SG "RASO" Alexei Povtareva, the ability to obtain insurance payment depends on the phase of movement, which was damaged by a car. "Before the evacuation of the act is issued (in triplicate), which reflects the condition of the car before loading. If at the time of loading or unloading will escape damage to the vehicle, this fact shall be recorded traffic police officer who supervises the evacuation - he explains. - What if This fact will be reflected in the documents, the insurer faces a denial of insurance claims. " Most insurance companies will make the payment if the car was damaged before the evacuation, or storage in the parking lot, and denied compensation for damage to the vehicle while it is loading, unloading and evacuation.

As a car owner to install the same time car damage, and what documents must be submitted to the insurance company? Head of the settlement of losses for road transport SAC "Energogarant" Igor advised to obtain an act of state-owned, employee-filled traffic police vehicle when loading, and delivery-acceptance certificate from the car pound. "If the traffic police in the act does not specify damages, but in the act of reception and transmission in the parking lot there, it is clear that the injuries received during the evacuation," - he explains.

In addition, if there is damage to the vehicle owner must apply to the police station at the location of car pound and give the insurer a certificate attesting to the wrongful acts of third parties with a list of damages, as well as the decision to initiate (not to initiate) the criminal case of damage, adds board member SG "Kapital" Dmitry Botkin.

However, in some cases, help from the authorities, and hence the elucidation of the receipt of damages are not necessary. For example, in the company, "Guta-Insurance" can be obtained without reference indemnity in case of damage to the glazing, exterior lighting or exterior mirror elements of the car, paint (two parts) or by contacting your insurer to obtain insurance reimbursement within 3% of insured value of the vehicle (regardless of the amount of damage), says head of motor underwriting risks of the company Nikolai bloodless.

What do car owner, if recorded injuries during the evacuation and, accordingly, the insurance company does not recognize the damage to a car accident? There are several possible directions to solve this problem.

First, you can submit the claim to the tow service of payment of damage during shipping. This requires a conclusion independent examination and submit a copy with the claim to the car pound, or evacuation services. If the defendant refused to pay the due amount for the repairs, the car owner can easily apply a lawsuit at their residence to include not only the cost of repairs, but also the amount for the use of foreign funds and for causing moral harm.

Among the car owners is widely believed that the policy will indemnify Insured, which is available from any tow truck. But, according to Head of motor insurance SG "Mezhregiongarant" Alexei Mishin, damage to the vehicle during loading or unloading of the evacuation is not an insurance case for CTP, since no damage was caused during the participation of a tow truck in traffic. Therefore, the car owner will have to either collect the money through the courts, or get under the voluntary insurance of civil responsibility of the tow. Leading specialist of the development and maintenance of insurance products IJSC "Ingosstrakh" Lyudmila Nagach sure that the civil liability insurance tow truck or car pound is possible and necessary, and this practice is already there. With this type of insurance do some insurance companies, including "Ingosstrakh" through programs of professional liability insurance.

Second, some lawyers recommend that policyholders to go to court with a claim for payment to the insurance company. At the same time the event occurred should not be regarded as "damage during loading, unloading or transport vehicle", as well as the risk of "malicious act" that is, the commission or attempted commission of unlawful acts of third parties in respect of the vehicle. Justifying his position, you can refer to the Administrative Code, which prohibits the use of tow trucks in violation of parking rules and which is a federal law takes precedence over the regulations of the Russian Federation, including Moscow. By court order the insurance company not only make the payment, but will be entitled to claim compensation (regression) with the organization responsible for the evacuation, or storage of vehicles, even if it is a public entity.

What to do if my car is stolen? insurance Claims property

2012-08-18T07:38:00.000-07:00

Car Insurance Claims for Stolen Cars

By Art. 166 of the Criminal Code, which causes a lot of controversy, but, in fact, illegal occupancy of a car or other vehicle without theft is not considered theft. Use of this article not only allows hijackers to avoid serious punishment, but also facilitates the work of the investigating authorities. Quite often the collection of evidence of intent for theft is very time-consuming, and because the investigation is easier to qualify for this event here.

Secret theft of another's property for profit, but in this case - the theft of a vehicle is regulated by Art. 158 of the Criminal Code (theft) punishable by fine and imprisonment, depending on the circumstances of the offense and the amount of damages.

One way or another, but if the carjacking took place, it is necessary to take the following steps:

Call the police to number 02, or the duty of the police department in the district. Duty must provide the following information: the time of theft, at least approximate, the brand, number, color and signs of a car left in the interior of things, if any.
Before the arrival of the crew of police officers as possible best to interview those who were able to witness the event: pedestrians, drivers and passengers of other vehicles, find their contact information.
Law enforcement officials assist in the investigation and examination of the scene. But there is no small point - should not be abandoned because of an official statement "minor damage". Otherwise, the insurance company will have a good reason not to recognize the event insurance and refuse to pay compensation.
At the same time should inform the insurance company, indicating the policy number, name of insured, contact phone, location.
Get the police a written confirmation (voucher - notification).
During the period specified in the contract (usually 2-5 working days after the insured event) must submit a written application to the insurance company to obtain a request form to the police and help.

To do this, put together a package of original documents:

identity documents;
documents on payment of insurance premiums;
insurance policy (contract), as well as additional agreements if they were made;
documents confirming the ownership and disposition of the vehicle: vehicle registration certificate, Title, driver's license, if necessary - power of attorney; pass technical inspection.
sets of keys to the car. If you install anti-theft devices - documents on them, sets of keys and remote controls.
Documents obtained by the competent authorities, upon the incident.

owners of vehicles involved in the incident

2012-08-18T07:26:00.000-07:00

List of documents required for a decision on payment of compensation upon the occurrence of insurance claims for the insurance program of land transport.

REMINDER
owners of vehicles involved in the incident

If you have trouble happened and you got into an accident - do not despair, remember that your car is insured! Your actions in the case of DTPdolzhny be as follows:

- In any case not to leave the accident scene;
- Do not move the car;
- Be sure to call the traffic police inspector at the scene of an accident;
- Issue the accident;
- To make a vehicle inspection report indicating all external injuries;
- Do not sign any documents not previously acquainted, and not agreeing with the information, contained in them;
- In due time after an accident you must obtain a certificate from the State Traffic Safety Inspectorate № 2 forms with the address and details of the guilty party, and an inventory of all exterior damage your car.
- If you have problems with obtaining information STSI p. № 2 Insured prompted the traffic police, authorizing the Insured to receive help STSI p. № 2.
Hull (damage and / or theft of the car)
- Application for insurance claims (standard form).
- Inspection report (a standard form, indicating who is) and a photo of the damaged property.
- Help STSI p. № 2 (in the case of an accident).
- Statement from the Warsaw Pact (in the case of illegal actions of third parties).
- Statement from the consequences of the suspension of criminal proceedings (in case of theft of the vehicle).

Civic Responsibility

- Statement of the Insured's insurance claim for civil liability insurance contract (standard form).
- Statement from victim to pay compensation for damage to the Insured Vehicle (standard form).
- Inspection report (Standard Form) and a photo of the damaged property.
- Help STSI p. № 2 (in the case of an accident).
- Medical certificate (in case of injury).

TIPS (for the Insurer)

In the insurance case you need to:

- In a traffic accident (RTA), as well as in the case of damage to your car in the parking lot (including a vehicle is not installed) - Traffic police in the state and cause its representative to the scene;
- With car damage as a result of illegal actions of third parties (vehicle damage, theft of parts) - declare the nearest police station and call its representative on the scene;
- In case of fire - a legally claim the bodies and cause its representative to the scene;
- For stealing a car - say on the phone. "02" and the nearest police station.
- In addition, you must declare in writing about the incident to the insurance company within 24 hours in case of theft of your car and within 3 days otherwise.
- When the insured event you need to submit to the insurance company to inspect the damaged vehicle, a statement in the prescribed form, the original insurance policy, letter (signed by the manager and Ch. Accountant) stating your organization's bank details for transfer of insurance reimbursement, power of attorney to conduct cases an insurance company, as well as:
- When an accident - a driver's license, power of attorney to control or waybill, a certificate from the traffic police in the prescribed form, and if the second participant - form 2 (in this case, the inspection of the damaged vehicle is insured at the time required to call the second participant in the examination of accident telegram), the original cost estimate of repairs (in Russian or with certified translation into Russian) of the damaged car, drawn by a licensed independent examination of the Bureau or a specialized repair shop, repaired the car, original invoices and other documents confirming the amount of damages and the cost of restoring the car;
- With car damage resulting from unlawful acts of third persons - a copy of the criminal case on this fact (in the event of a criminal case is a letter from the list of vehicle damage, and an indication of articles of the Criminal Code, under which a criminal case was refused ), as well as documents confirming the amount of damages and the cost of restoring the car (see road accidents);
- In case of fire - a certificate from a legally authorities stating the reasons of fire and injury list, as well as documents confirming the amount of damages and the cost of restoring the car (see road accidents);
- For stealing a car - a certificate or a copy of the criminal investigation into the matter, a copy of the Ordinance to suspend the criminal proceedings (Form 3), the insurance company to transfer originals of all warrants issued for the stolen vehicle, vehicle registration certificate, passport, vehicle complete sets of keys and remote control alarm system (if the records and keys are attached to the case file, you must provide relevant information).
- In the insurance case on the risk of "civil responsibility" in the application must specify the name the victim (or the name of the organization in case of damage to property of a legal entity), its address and telephone number as well as to inform the victim address and telephone number of the insurance company. For indemnity to the victim in the future on their own to contact the insurance company and provide the necessary documents.
- In the insurance case on the risk of "accident" in the application must specify the name all persons who were at the time of an accident in your car insured, and who are injured, which must be specified in the certificate as the traffic police, as well as to inform the victim address and telephone number of the insurance company. The victim should continue to submit to the insurance company a certificate from an appropriate medical facility on the nature of his injuries.
- Insured shall notify the Insurer of any circumstances that could reduce or increase the probability of the insured event (change in terms of persons admitted to the management, storage conditions, changes in the car, etc.).

Failure to comply may cause denial of insurance claims.

Home Building and Insurance Content - what are all included

2012-08-18T07:12:00.001-07:00

Building Insurance

Are you sure that in your absence in your country home all right? And in winter, when you leave the house, sauna, garage for several months, your property is protected? Can you be sure that there is not one that can easily get into someone's house and get yourself something "in memory"? And who can vouch for the quality of the wiring, gas piping? After all, every place can be!

To at least do not introduce yourself in additional costs to do just one thing: to buy a property insurance policy for a country!

Cottage, cottage, building on the site (garage, sauna, etc.), the property they can be insured against damage due to:

accidental fire in the emergence and spread of fire, lightning, explosion of gas consumed for household necessities, etc.,
water damage from plumbing failures, heating, fire and sewer systems,
rain, flood, floods, storms and other natural disasters ,
theft, robbery,
unlawful acts of third parties.

Contents Insurance

The fact that an apartment or villa can be insured, they know everything. Do not forget to insure the well and his household goods. After all, if the flat flood or fire damage, most likely you will lose a portion of the accumulated "hard work" of the property.

Usually, household goods are divided into several categories, for example:

Group 1: furniture, rugs, books, dishes, clothing, bedding, sanitation equipment, etc.
Group 2: Electrical and electronic equipment (refrigerators and freezers, washing machines and dishwashers, sewing and knitting machines, vacuum cleaners, air conditioners, heaters, fans, microwave ovens, stoves, lighting, audio, video, television, photo -, video equipment, optics, watches, telephones, fax machines, computers, etc.), electrical and mechanical tools, agricultural machinery and implements.
Group 3: jewelry, collections, works of art, antiques, fur coats, another very valuable property.

Insurance on your property and can always find a comprehensive protection for your property at the best price. Since the conclusion of the contract you can about anything not to worry. Possible costs of restoring the property you are shifted onto the shoulders of the insurance company.
Insurance policy can protect property from:

fire,
water damage from the heating, plumbing, sewage systems,
disaster, hurricane, flood, subsidence, mudflows, storms, hail, rain, etc.;
the explosion, including domestic gas explosion,
theft, robbery, hooliganism.

What to do if an insured event

2012-08-18T07:07:00.000-07:00

If there was an accident, the first - try to be calm, the second - do all the recommended steps, depending on the type of insurance and circumstances. Try to get the necessary documents, depending on the event.

When an event occurs that has signs of insurance:

Duty to inform the insurance company no later than two working days;

Take immediate action to rescue and prevent further damage to insured property, as well as to ensure the right of claim to the guilty party; to keep the damaged property (unless it is contrary to the interests of safety or harm reduction) to the inspection of representatives of competent authorities and the Insurer; immediately report the incident to the competent authorities:

OGPS - in case of fire and explosion of domestic gas;
ATS - if unlawful actions of third parties;
housing and maintenance services - water-bearing systems in case of accidents, etc.);

within two working days after the onset of losses to report them to the Insurer and give him the opportunity to inspect the damaged property to determine the causes and the amount of loss for the preparation of the insurance act and determine the amount of indemnity;

Insurer to give written notice of the insured event, and other documents (including certificates from the competent authorities) necessary for judgment on the causes and extent of damages incurred by the Insured

Documents from the competent authorities are:

in case of fire, gas explosion - copies of the decisions of the State Fire and / or emergency services (including the conclusion of the fire-and gas-technical and technical expertise, if any);
pr
and failures of water supply, heating, sanitation, water intrusion from neighboring premises, falling trees, aircraft and their fragments - acts, the conclusion of emergency technical and other specialized services;
for illegal acts of third parties - the conclusion of law enforcement and investigative agencies.

notify the insurer of the receipt of the (possible receiving) cash compensation from the perpetrator of damage to the face.

"features" of the national home insurance

2012-08-18T07:03:00.000-07:00

None apartment does not insure without the provision of compulsory set of documents - passports client, lease or instrument rating. To do this you have to call an appraiser to your home. The evaluation procedure takes several hours to two days. Appraiser can act as a specialist insurance company or an independent expert and a representative of the Bureau of Technical Inventory (BTI) of your housing department.

As a result, you will be given an apartment in the appraisal report form with the signature, address, and all the details of the insurance company (the appraiser).

The people who conducted the assessment of the apartment, it is advised to use the services of independent experts is in good standing. Indeed, some insurance companies will try to understate the cost of housing, and the data BTI insurers are skeptical, because they believe it, on the contrary, you can inflate.

In any event, will take into account the market price of your home.

Assessment will cost about $ 100 or free if the service is included in the cost of insurance. Not all insurance companies are evaluating free. Therefore it is better to clarify this point soon.

Often, people are renting apartments under contracts that are in government are not registered to avoid paying taxes. Such documents are not legally binding in terms of the insurer.

Usually housing offer insurance for a year. It is possible and for a month - it seems that it is cheaper, but for insurance for a year the client has every right to choose the frequency of payments - once a quarter or once a month.

The reason for the payment of an insurance case, that is, fire or flood is not charred furniture and flooring bloated - and only official documents of the state organization. Otherwise, you are suspected of trying to initiate most of the insurance case. That is, if there was a fire, a certificate shall issue the necessary fire service, if the flooding - housing office, natural disasters or new doctrine of military failures - the Ministry of Emergency Situations and the Ministry of Defence.

Such certificates are not issued immediately. Usually on their design takes about a week. "If an accident happens in the apartment of an official, then he will get help much faster than an ordinary citizen," - says the experience of an expert on risk property insurance company "Lemma" Vladimir Kinal.

insurance of private property

2012-08-18T07:00:00.000-07:00

Do I need to insure the apartment? For those citizens whose homes are insured, the question is rhetorical, but the statistics of homeowners in the country more than half.

In large cities the number of insured commercial housing schemes is about 10% of the apartments, about 50% of apartments are insured by municipal schemes. So, maybe, housing insurance and do not need? With this question your correspondent turned to a member of the St. Petersburg Bar Association, Igor Korobko. "Insure housing need" - the lawyer replied firmly Korobko, adjusting his glasses, a bicycle.

Housing does not insure the love of art, and to guarantee the payment of damages related to his unexpected loss. The loss may be due to fire, floods, earthquakes, volcanic eruptions, meteor shower, the release of land for new construction, etc. And also if you are after a hurricane, or rather in your house, slid down the roof. Or household gas exploded, so much so that the dust is not only smashed a plaster sculpture of mother in law, but with doors and windows. A more common case - failure of heating, resulted in a need to repair. The list of insurance risks are the consequences of robbery, arson, neighborhood parties, etc.
Insurance of premises shall be in accordance with the provisions of Chapter 48 of the Civil Code, "Insurance," Law "On Insurance in the Russian Federation" and the rules of the laws of RF subjects. Insurance is a matter purely voluntary, although the idea of introducing 'housing CTP "is discussed in the circles of lawyers and legislators. As an insured may make the owners of premises. It may be private individuals, and if the room is in the public or community housing, the insurer stands in the role of the Russian Federation, its subjects and municipalities. Insure can also "other persons" - the tenants, the landlord and tenants, if the contract of employment is they have a duty to insure the premises.

In the role of the opposing party, ie insurers may act only to legal persons, not organizations, individual entrepreneurs and the grand strategist, says the article. 938 of the Civil Code. Legal persons must have a license for the insurance of premises. Requirements for insurance companies, the order of their licensing, the implementation of state supervision of these activities is determined by the laws on insurance.

The scale of damages depends on the type of insurance, it can be done by municipal and commercial schemes. As an illustration, let us turn first to the best practices of Moscow.

In 1996 at the initiative of Yuri Luzhkov, the capital of a system of voluntary insurance of premises. Department of housing policy and housing formed of a socially oriented system of insurance protection for which the city took over most of the payments on insurance claims - 80%, the remaining 20% is assigned to insurance companies, selected on a competitive basis. Today, 10 years later, the responsibility of the Moscow government for damages was reduced to 30%, insurance companies, it is therefore increased to 70% that you will agree, is an indicator of the effectiveness of the system. Since 1999, insurance of premises in Moscow on a large scale in some districts, insurance payments are included in the calculation for payment of utilities. On March 1 this year, the monthly premium was 90 cents per square meter of the precious, the payment in case of damage - 17 thousand rubles.

When commercial insurance payout is much higher, it varies from 0.5% to 3% of market value of housing per year, with premiums significantly higher. When choosing an insurance company, you need to be vigilant and use only those firms that are well known. Dimensions of insurance payments should not be microscopically low office is too crowded and smoky, the guards - quite so obvious "bull." If a firm called "Horns and hoofs," do not take the time to find another insurer.

Despite the obvious meaning of home insurance, not all residents of the country, as already mentioned, in a hurry to do it in the first day after the act of purchase. The insurance market housing in Russia is in its infancy. The lawyer explains Korobko legal nihilism respected citizens, as well as fraud in the insurance market. In addition, insurance companies often make agreements on unfavorable terms for the client, in the case of an insured event to the full indecency delay payment of compensation, the amount of which is grotesquely small, or not paying at all, to protect the policyholders of their rights to appeal to the courts. Counsel did not consider the psychological aspect of the problem, the Russian "maybe."

In fact, the recent tsunami and tornadoes in our latitudes have been recorded by seismologists in the Neolithic period, the Tunguska meteorite has fallen. Why insure an apartment, if I myself am very careful, and the neighbors do not drink binge, smoking a cigarette butt on the floor does not damage (there is, however, we have at the entrance Sanya, but he lives a floor above, and the fire on the laws of physics extends from the bottom up, rather than vice versa). The flaw in the pipe heating can be easily shut his hand, right hand and left to reach the phone and call the housing office. Militant arsonists put eye on my modest parameters, and the neighbor's apartment.

The logic of such reasoning is, that's only rational reason for the West any housing transaction involves an act of insurance. By the way, the arsonist, your home is not insured? Then they come to you!

Property casualty insurance

2012-08-17T23:28:00.001-07:00

We crossed the threshold of the third millennium. However, real dangers continue to exist around us, and they happen, usually when you think about them and certainly did not expect it.

For example:

The newly renovated apartment can feel sloppy upstairs neighbor;
Attackers can steal, damage property of your blood in an apartment or cottage;
Exports cigarette in a nearby apartment can result in a fire in your apartment;
Your cottage can burn like a candle from the usual circuit wiring or sparks from the stove;

Not less than the dangers of risk of harm to others, ie neighbors, passersby, the visitors. For example, a small water leak in your apartment can turn the duty of compensation cost thousands to repair the premises, located on the lower floors, restoration of damaged antique furniture, buying expensive household appliances to replace damaged water leakages.

If, God forbid, something like this happens to you or your loved ones, you have to find funds to restore the lost property. And in our time to do it very, very difficult. It is a pity to part with their money, so hard to buy the accumulated necessities or even unpleasant, to borrow money from friends or acquaintances.

You will be protected from unexpected expenses, if you contact the help of insurance.

Without leaving the house and invited to his insurance broker, you can enter into a contract of insurance: apartments, houses, property, liability to third parties.

What can you protect insurance policy?

buildings (villas, houses, baths, etc.);
apartments (with and without the cost of interior);
interior trim and equipment rooms;
property (furniture, audio, video, home appliances, etc.);
civil liability to third parties in the operation room

Typically, an insurance policy is valid for one year. At the end of its duration can be prolonged for favorable terms.

From any hazards to protect Polis?
In property insurance from:

Fire, gas explosion, lightning;
Water damage from a water-based network;
Theft, robbery, vandalism;
Natural disaster (hurricane, flood, tornado, storm, lodging, etc.);
Explosion of steam boilers, gas storage, pipelines, machinery, apparatus;
Boy's window panes, mirrors and windows;
Fall piloted flying objects and debris;
Terrorism.

Upon occurrence of any of the above events you offset the costs of repairing or replacing damaged lost property.

How much is the insurance policy?

The cost of property insurance Polis is defined as a% of the insured value of the property and is to:
Buildings (villas, houses, baths, etc.) - from 0.42 to 1.0% of the sum insured;
Apartments (excluding the cost of interior decoration) - from 0.16% to 0.5% (!) Of the sum insured;
Interior of premises and equipment - from 0.49 to 0.95%;
Property (furniture, audio equipment, etc.) - from 0.61% to 1.99% (depending on the type of property);

Cooperating with us you will receive:

timely and full compensation in the amount of actual damages;
Free expert advice on all your questions in the field of insurance;
recommendations to reduce the risk of objects being taken for insurance;
legal support in case of loss;
Free evaluation of facilities for insurance purposes;
Insurance in "currency equivalent" (without the additional allowances);
Monthly Specials (summer, Christmas, etc.);
Discounts for special groups of citizens (pensioners, invalids, etc.).
Individual approach to each client;

Insurance removes the risk of losing their homes

2012-08-17T23:20:00.001-07:00

Due to the increasing number of transactions and disadvantages of the purity laws of previous transactions on the secondary housing market in the country to provide hard, and real estate market, we considered quite risky.

According to analysts in Moscow, every year about 80-90 thousand transactions, while more than half of them in the secondary real estate market. Almost 2% of the number of void. Every year, 1-2 thousand courts hear cases and the total damage on them is more than $ 90 million if the court issues a decision on the invalidity of the transaction, the bona fide purchaser must release a new living space, and only later could try to recover the funds from another party to the transaction. However, most often this is not possible
Thus, at this point requires not only the mechanisms of protection of transactions and anti-fraud, but also ways of compensation for damage caused to the participants.

When title insurance in case of deprivation of property rights to the property insurance company pays the insured value of the lost property.

Thus, almost every owner can be deprived of his property.
If you decide to insure the title of the apartment, it is advantageous to turn to independent professionals who are qualified to quickly assess the conditions of the insurance companies.

What if during your stay abroad, there was a need for immediate medical care?

2012-08-17T23:07:00.003-07:00

If while traveling abroad, you urgently need help, you should call the assistance company at a phone number in the insurance contract (policy going abroad).
Assistance Company operates 24 hours a day and organizes the provision of medical, counseling and other assistance. On the phone you will also instruct you how to proceed.

What is insured under the policy of "Green Card"?

2012-08-17T23:06:00.003-07:00

Civil liability for damage to your car to life and health, and property of third parties during his stay abroad, one of the countries on whose territory covered by the policy 'Green Card'. In other words, if the fault of your own during your stay abroad, your car is damaged another's property or hurt people, then if you have a policy 'Green Card', the insurance company will reimburse the victim caused by the loss of your car and pay the victims the cost of restoring health. In this case the cost of car repairs and / or restore the health of people affected by the fault of your Country of residence outside the insured shall be paid at the rates established by the laws of the State in which there was an accident.

What is the policy of "Green Card"?

2012-08-17T23:06:00.000-07:00

This is an international policy of liability insurance.
All owners / drivers of vehicles traveling to another country, which is involved in the agreement "Green Card" must have an insurance policy, "Civil Liability of vehicle owners for damage caused by them to third parties abroad."
The presence of active "Green Card" issued by an authorized insurer in the country of registration of the vehicle, eliminating the need of additional liability insurance in the territory of another state. At the head of the organization is the Council of Bureaux (London), which is responsible for the management and ongoing activities of the system. Green Card System created a January 1953. Its main objective was and remains the support for the smooth movement of vehicles across borders of countries participating in the system, upon the occurrence of road accidents committed entered the country by foreign motorists as quickly as possible the settlement of claims of victims and the receipt of damages in accordance with national law and m . etc.