rrrrrrrr-r---r

AI(ITIOITE PITE TOBAPITCTBO 3AI{PpITOTO TI4Ir)/..ArtrlrorrE pIrA cTpAxoBA KOMTTAHT-q"ACI(O-Megcepnic"

tt3arnepAtrcyrottfonoe'a flpaeniurrx

Crpaxpeoi rcovrnaHiittatu?^rr -Me4cepnic"

.M. [evrrreHKo25.O7 .2OO5p.

', + !. l,ltt{:,':ri,, ,i::,:r,i: .:,,.i.r.'...r.r-.,..._

----: ,- ,.

::r::;,,

fIPABI4JIA

AOEPOBTJTbHOTO CTpAXyBAHrrfl nnarZrm

(KPTM BOTIIEBI,X PII3I4KIB TA PI43ITKIB CTI,DilIfoilD( ffiI4TU)

J\lb11

B peAaKrrii eia "4'-4uoZ4-_2p5p.

nr. I(rdb - 2OO5 pix

3fuIICT

]. 3ATAJIbHI IIOJIUITEHH.g2. OE'CRTCTPAXYBAHH.g ______33' rIoP'LroR Bn3HA'{zHiiCrVAXoaux Cvu i,q rzrol FoiuiiTTptxonux aururz3r@PAHIXN3A_ _ -+.crpzxoanfiFnsurrcTruxoanttanntlox__-- ---_45. BURJTIOqEHH.g 13 CTPAXOBmY BmTAFRTB t or-uzxin-uic-r-p-zxvn,qHHfl-_-_-_-_- - - 26. TTOP.flFOR YRNATEHH.g TOTOBOPY CTPAXVBA4UA7. crpoK TA MrcqE 4ti goroaopy crpAXVBAnin _ _ _ _ _e8. IIPABA rl oroa,nsxn cToPIH _ _ _9s' gri crrzxuadrrbHnKA ouro4-on)EiEiwt i plfi u,qVFtin.q c-r-pAxoa-oro- - - -

I0BnnA,VRv-..'".2'Jl''1|vl4lall/1\'1I\'TIEPETTIR loivunEFrn, rrlo narBEprk-woFiEz-cnqhinVip-exbEoFo Ennu-fufzr r ilop,q4oK r vM9Bn s4uicununx crpAXOBOi aunturu

"?o,f;;?,f,

{;ffffi,r, PIITIEHH'T rrpo strLr-cHi;;ii-Crpuoaoi- EuiLlzru- ^}3ls.ilPnql4HuarluonuiVip-zxbEms-unfuil-- -----1s

14. 3MrHA vMoB troroBopv crp,qxvaiHH; _ _1615. vMoBnrrpwruHEHHn40roaoricii[wEinni ----1616. noP.gJoR BUzIITIEHHfl crroplB "r - - - -17u. crpzxosufiTApr4@. crnaxoaufi-nneFm _____17

I8

1. 3ATAJIbHI IIOJIOXTEHH.fl

1.1. Ha ni.qcrasi 3arony Yrpainu "flpo crpax).BaHHt" i AaHHX llpanur go6ponirruorocrpaxyBaHtts, tr.airua (aani no reKcry - flpaeuna) AxqioHepHe roBaplrcrBo 3aKprrroro rr{ny"ArqioHepHa crpaxoBa KoMrraHi.s "ACKO-Me4cepnic" (4ani rlo reKcry - Crpaxoeur) yrna4ae

,{oronopu go6poninrHofo crpaxyBaHHfl lrafiua 3 lopuAutlHuIr,ru oco6auu ycix Sopr'a eracHocri raAiesAaruraN{u $ieu'ruralru oco6arrrn (aani rlo reKcry - CrpaxysanrHvru) Ha BHTIaAoK rtolxKoA](enH.fl

a6o sHurqenns uafisa nnacni4or anapii no,qonponignoi, xaHanisaqifiHoi, oIIaJIIoBalruoi cHcreMH,

crrcreMr.r noxexeraciHHx, rrporlrrrpaBnlrx lifi rperix oci6 (xpaaixr<u, xyliraHcrna rorqo), naAinH.f,

Ha 3acrpaxoBaHe uafino niraro.rux annaparin, naie4y rpaHcrloprnzx saco6ie 3 IopI4.qLrtIHI4MIr

oco6aura ycix Qopu sracHocri ra,{iesAarHr.rMr.r fpoMarnHaMvt (aani no reKcry - Crpaxy'nanrHultu).

L2. 3a ,{oroeoporra crpaxyBaHHr, yKJIa,qeHvM Ha ni.qcraei uux flpanur, Crpaxoeurso6on'xsyerbcfi. 3a o6yiuonneHy AoroBopoM rlnary (crpaxonrafi nlarix, crpaxoBy npervriro) npuHacrasHi nepe46auenoro ,{oronoporu crpaxoBoro BI.{rIaAKy ei4Iuro4ynaru CrpaxyeanbHHKysas.qaFri nHacli4ox uiei noaii s6urxH (nunlarurn crpaxoBe ei.qurxo.qyBass.s) B Mexax su:FIa.IeFIoi

,{oronopou crpaxyBaHHf, crpaxoBoi cylnia.

1.3. .{ani flpanuna perynrororb saranrHi yl{oBrr ra rropr.uoK }'KnaAeHHt loronopy crpaxyBaHH-{.

3a sro.qoro Cropin 4o ,{oronopy crpaxyBaHIUI Mox{yrr 6yru sxrro.IeHi roAarxoei yr.{oBl4, rqo He

cylepeqarb qI.{HHoMy 3 aKoHo.4aBcmy Vxpainvr r a qalt flp arunarra.

2. OE'€KT CTPAX)TBAHH'I

2.1. O6'exrorrn crpaxyBaHHr e ruafrHoei iHrepecz CrpaxyeanbHl{Ka, Iuo He cyfiepeLIarb

3aKoHoAaBcrey YnpaiHH, [oB'r3ani g soro.uinruu, KopLIcryBaHHqN{ i po3nopqAx(eHHqM vtafiHort, a

caMe:

2.1.1. HepyxoMHM ra pyxoMrru uafiHornr - 6yaianxuu, rocro.qapqr.rMrl 6yAinnxrr,ru. cropyAaMl{,TpaHcrroprHr,rMr4 saco6aruu, ToBapHo-Marepiamuultpt qiHHocr.qN{Ia (Ha4a:ri - TMII, o6"exraMplHe3aBeprxeuoro 6y.uinHprrlTBa ra inuau uafiHolt, ulo HaJlexurr CrpaxyBilnbHl4Ky ra ui4o6paxeHe B

l"roro 6a;rarrci, arrqo Crpaxyna-nbHl,IKoM e IopI4rI'IrIHa oco6a.Ey4innxurr B rlboMy ronrercri e sci 6yainenrni cnopyru (nupo6Huui, a4rr,riHicrpauanui,

couianruo-Kynbryprroro [pr.r3HaqeHHr, rpoMa.qcbKoro Kopl.rcryBanHtr, xuuo), s6y4onaui 3 AepeBa,

trerJrr4, KaMeHro, 6eroHy a6o e cyqinbHoMeraJleB I'IMH roHcrpyrui xl'rra.

T[M.{acosi cnopyrrr, HaMerH ra iHuri niaco6Hi npulriqenH{, cropyAxyaani 4na npolrilt(Hllxnlrefr, crpaxyrorbcs rinrxu B ToMy pa:i, .ncrqo qe nepel6aqeno oco6nNsIaNaLI yt!{oBaMI4 [oronopycTpaxyBaHHt.

focno.uapcsrci 6y1iui n qror,ay rosrexcri e rapaxi. uanicn, rcpnri nrouti, cKnaAL{. oropoxit :axacHi saco6z), ToIIIo.

Cnopy4u B rlboMy xoHrexcri e rolrynixaqii, cHcreMLI, ailapa-Ir, craHKI4, nepe4arouuirrexanigulr ra cunosi MarrrlrHrr, iHrui uexaHisln{u ra rlprrcrpoi nupo6unqo-TexHoJlori.IHoro qI{KJIy 3a

\aroBa, ulo nci iksi enelreuTr.r po3TauroeaHi B ToMy rexno:rorirlHoMy 3n'-n3ry uix co6oro raBriliopr{croByrorbcf, Ars rfix peqoBr.{H ra naarepizulin, xri ei4o6paxeHi s rexHirlHoMy pernalreuri,uograxuo-rexuiqnux cxeMax ra isruux AoKyI{eHTax, .sxi onrlcylorb nnpo6uuvNfi qrar<n.

Tpancnoprui saco6u B rlboMy xonrexcri e anrouo6ini, rparropu, eJIeKTpoKapI'I, MoroIII{KnI4 Ta

:wmi calroxi.{si uexanislrv, xri Br.rKoHyrorb rpaHcrloprni, r.f,rroei, s6apanrHi ra inuri po6oru.Tonapno-uarepialrni uiuHocri B rlboMy xonrercri e npo.qyKuix, cuponuHa. rraarepiaJll{ .tIK

Iracui, rar i npr,r46aui CrpaxynaJrbHr.{KoM 3 Merolo ix nepepo6Krr, a raKox sailacv ronapin Ha cKJIaAax,

r \{ara3rrHax, B He3aBeplxenoMy eupo6nuqrni. r*

3acrpaxonaHrrMlr raKox Mox(yrb 6ylu:- nuyrpirune ra goeHiurne og.qo6nenHx 6yainrii;- npe.qMerl,I inrep'epy, o6craHonxa;- Qoro-, TeJre-, aylio-, ni4eoanaparypa, KcepoKcl{ ra isrua oprrexHixa, saco6u o6qficrloeanl'Hoi

TEXHiKI,I;

-innre uafi no, .rrKe Hzurextr.rrb Crpaxyeanrnuxy.2. I .Z.Mafiuo, nplr46aHe CrpaxyB anbHaKoM y Kpellrr ;2'l'3' Mafino, orpl'IMaHe crpaxynanbHaKoM 3a AofoBopoM opeHAr4, rrpoKary, niszury, HaznayrKrrlo BoHO He 3acTpaxoBaHe opeHIO.qaBrIeM;2.1.4. Mafino, npzfinxre CrpaxynaabHr.rKoM y 3acraBy.2'2' Plxoue naafiuo, tK npaBI'IJIo, 6eperrcx Ha crpaxyBaHHr rimxu B ToMy rricqi(npuuiuleHHi a6o reprzropii), rKi .gasnaqeui s loronopi-.rpu*y"urr"r. flpu neperraiqeHHiplD(oMoro uafiua sa iueNi Ilboro rraicq-s 'ruHHicrr ,{oronopy crpaxyBaH Hs. AJrfl.4aHoro unf.tuarrpr{flrrHrerbcr, ,rKrrlo iHure se o6yuonneuo yMoBaMa r{oronopy crpaxyBaHHr.2'3' cryaxyBitrILHI'IKoM Moxte 6yrv yrnaaeuo {oroeip .tp*y"u""r

"."o.o wrafruaa6o qacruHrat'dairua: oKpeMoro o6'eKTa, MaIrIrrH, 6yrirenr, o6na4naunx, isrur.rx roBapHo-Marepianrnzxqisnocrefr y nonHifi raprocri (aani - nz6ipxone crpaxyBaHH-rr), sorpeua nrairHa,repeAaHoro B opeHry,risuHr, npoKar.

2'4' Moxnuse crpaxyBaHHt uaftna Ha qac npoBereHH-{ eKcrrepr{MeHTar'Hrrx a6o'rocni4uzqrr<rzx po6ir a6o eKcrIoHyBaHHt Ha nucranqi, roria lrafiso crpaxyerbc, Ha vac, xxuirBH3HaqaerEcr 3 MoMeHTy, KoJrI'I noHo 6yno B3-{To s nocrifiHoro uicqer"u*o4*aHH, y uy:efi, HaBHcraBKy' Anfl ynaKoBKH 3 Meroro HacTylrHoro TpaHcrlopryBaHHt .4o rr.ricqs

-rrpo"a4a"""nanpo6yeaur a6o eKc[oHyBauH.s i BnpoAoBxt nepio4y r'MqacoBoro cKnaAyBa."'', annpo6ynaHHx,eKcrIoHyBaHHs'TA 3BoporHboro rpaHclopryBaHH.s.4O Tr.rx uip, norz qe uafrHo He 6yle

"riu"t"r.rona froro uocrifine uicqesHaxor)KeHH.rr y nyHrri, 3a3naqeHouy y [oronopi crpaxya aHHfl..

3. IIOPTIAOK BI43HATIEHHfl CTpAXOBpTx cyMTA (AEO) PO3MIPIB CTPAXOBI4X BI{fIJIAT. @PAHI]II43A.

3 'r Crpaxona cyMa - rpolroBa c)rMa, B Me)Kax xroi CrpaxoBrrK ni4noni4uo Ao yMoBcrpaxyBaHH'f, 3o6os'-trganufi [poBecrl,I Bllnnary n pari HacrauHr crpaxoBoro Br.rlarKy.3'2' ctpaxoBa BrrrlJlara - rpouoBa c)rMa, rKa Bu[Jratry€Tbcr crpaxoruxol,r nirnosiruo aoluon .{oroBopy crpaxyBaHHr [pr.r HacrauHi crpaxoBoro Br.rrraAKy.3'3' fioronip crpaxl'naHns uafiHa Mo)Ke 6yru yrcnaAeHo no 6anancoeir; a6o 4oroeipniri(:assreHifi) naprocri uafina. crpaxoea cyr!{a BcranoBnro€Tbc{ 3a 3ro.qoro cropiu i He MoxerrepeBr4rrryBarr'r 4ificHoi naprocri nafisa Ha Aary ).KnareHHr.{Oronopy crpaxyBaHHs.3.4. [iilcna napricru uafiHa Br€Har{aerbc.r:3'4'1' flpu crpaxyBaH'i clrnos'x, po6ouux Mar*rH, rexso-rroriquoro Ta eupo6HzvoroVcrarK)tsaHHt' nepe.qaroqHHx lrexaHisrrais ra iHurlax ocHoBHHX saco6ie - Br4xorrqu : naprocritrpeAMera nosuicrrc auanori.{Horo 3acrpaxoBaHoMy, 3 ypaxyBaHH.flM 3HOcy.3'4'2' flpu crpaxynaHni 6yairenr i cnopy4 --""*o4""rr 3 Baprocri 6y4inHurlrBa y rauiirrricuenocri i cnopyr, anarori'Inzx rLrM, rrlo crpaxyrorbcr, 3 ypaxyBaqHrM ix 3Hocy ieKcrrnyararlifi uo-rexsi-rHoro craHy.3.4.3. flpra crpaxyra'ni roBapHo-Marepian*rrax qis'ocrei

nanirQa6prararin), rrpuglauux CrpaxyeanbHr{KoM _ Br4xonrqr4 3troBTopnoro npa46aunx.

(B ToMy .rracri cuponuHrz iBrlrpar, Heo6xi4uHx arfl ix

3'4'4' flpa crpaxynauui ToBapHo-Marepiariruax qiHnocrei, rro BrrroroBJrrrorbc,crpaxyranbHl'IK0M BI'IXOr.f,rra 3 Br.rrpar nr.rpo6nzqrna, Heo6xirHnx Ana ix noBTOpHOroBIITOTOBJIEHH-f,.

3'4'5' flpu crpaxyeauui osgo6neHux nparrairqenr, .axi HaJrexarb crpaxynanbHr4Ky, rax inepeAaHvx CrpaxynanbHvKy 3a AofoBopou Hafriray (opeu4u, niszury) - BrrxoA.f,qr{ 3 Br4rpar,l:ificseuux crpaxyeaJlbHrrKoM a6o open4o.qaBrleM, riisuHroraer{eM Ha peMoHT a6o osAo6JreHH.f,upnnairqeHb,{o MoMeHTy yKnaIeHHx [ororopy crpaxyBaHHr.3'4'6' flpu.crpaxyBaHui npe4ueris roMalrHboro BXrrrKy, crrarnoi ayp1ro-, ni4eo- TaaleKTpoHHoi rexHixz - BLIXo.{tqu 3 c)n!{rl, seo6xirHoi Lnx npu46aHH.a nperMera noe'icrrcasalori.rHof o 3acrpaxoBaHoMy, 3 ypaxyB aHHsM 3Hocy.

3.4.7. flpu crpaxynanHi nupo6ir is loporoqinnzx Merarin, 4oporoqiHnoro rauiHH, _ Bpo:rraipi oIliHxu, tKa BcraHoBJlloerbct Blrxo,4.f,qr.r s qiu na pevi TaKofo poAy i xrcocri, gsz.rafiHoBcraHoBJrroerbcr s roNaicifi Hift ropronni rouenipHr{naz nzpo 6auv.

3.4.8. flpu crpaxyrauHi rnopin MLIcTeIITBa i xonexqifi - y ei4uoni4Hocri s oqiuxoroeKclrepra' a raKo)K na niAcrasi qiH ua ayrcuioHHLtx roprax rBopaMH Mr.rcrerlTBa ra aHTr{KBapiarou., 3.5. [ororip crpaxyBaHlrJl naafiua,.lre orpl{MaHe CrpaxyraJrBHrrKoM rro AoroBopy ruafinororo Hafruy

a6o npuftHxre CrpaxynaJIbHIrKoM eig iHuuEx ropuAurrHr{x a6o SisuvHux oci6 4:rx uepepo6114, peMoHry,rlepeBe3eHlrrl, na xovticiro, y 3_acraBy, s6epexennx, yKJlaAaerbcr Ha noBHy napricn ubofo rr,raina na ni4craeiAaHI'IX 6yxranrepcbKoro o6nircy ropu4avHoi oco6ra, .flxifi Harexr{rb rle irraftno a6o goxyr'renris nonpuftuaHHro raKoro uafina (sa rupaxyaaHHrM suocy).

3.6. y Trrx BI'IlaAKax, KoJIIlt 3a3HaqeHa n ,{oronopi crpaxyeaHH{ crpaxoBa cyMa cKnarae qacTKy(ri4coror) ni4 4ificnoi naprocri waitHa, sci o6"eKrv crpaxwaHHr BBoKarorbc.{ 3acrpaxoBaHr4Mr.r yrarifi xe vacrqi (ni4cotry) ni4 ix naprocri. B rarcifi xe .racilIi (ni4corry) Crpaxonux Br,rnnaqy€crpaxoBe ni4ruro4ynaHHr IIo ni4nourennro Ao po3Mipy $arcruvnoro :6nrry.

3.7. CtpaxoBa cylua BcraHoBJlroerrct oKpeMo rro KoxHoMy o6"erry, tr1o crpaxyerbcr, a6o nocyKyrruocri o6"errie, rqo 3a3HaqeHi n loronopi.

3.8. 3aranura cyl!{a crpaxoBllx BarrJrar rro crpaxoBrrM Br4naAKaM He Mo)Kecrpaxonoi c)n4r.r, Brd3HaqeHoi e [oronopi.

3'9. flicns BI'IrIJIara crpaxoBol'o si,qnxo.[yBaHHr crpaxoBa c]r{a 3MeHruyerbcr Ha po:rraipBI4rIJIaqeHoro crpaxoBoro nigruroryBaHlrl. Y pa:i ei4nonneHHx a6o sardiH1a noruKorx{e'oro lrafrHaCrpaxyranbHl'IK Mae rlpaBo 3a roAarKonufi crpaxosufr nrarix nigHonurz no.rarKosi crpaxoni cyr'ruIrrJUxoM yKJra,qaHru{ AoAarKoBoi yro4u 4o [oronopy crpaxyBaHHr.

3.10. B ,{oronopi crpaxyBaHHt 3a AoMoBneuicrro Cropin Moxe 6yrz nepe46aqeHa $paHurHsa(yrronHa rala6o 6esyrr,lonna) - uacrnna s6urrin, ruo He nigruro4onyerbc-r CipaxonHxorr,r^ sri4Ho :.{oronopolu crpaxyBaHHr.

nepeBr4trlyBaTH

3.10.1. 3a yuonHoi $panurusu CrpaxoBr4K He ei4rurco4onyeBCTaHOBJTeHoi cyun QpaHurr,rsr, i siA[KOronye s6nror nonnicuo, rKruocylry (ppaHrrrrr3rd.

3.10.2. 3a 6esyuonnoi Spanurrr3rr Ko)KHHfr i 6yru-sxufi s6uroxBcraHoBJreHoi Qpauulrsu.

3olrToK, rrlo He nepeBrrtqyeniH nepenaqye BcraHoBneHy

BIA[rKO.{OBy€Tbcfl 3 Br{paxyBaHH.rrM

{

4. CTPAXOBIII,I PII3UK I CTPAXOBVftBIIIANOK

4.1' Crpaxonufi pu:rlK - ue rIeBHa no.4i.a, Ha BrrrraAor rxoi nponoAr.rrbcr crpaxyBaHHs i sxa Maeo3HaKr,r fiuoeipnocri ra nuua4ronocri HacraHHrr.

4.2' Crpaxonvfi nzna4oK - IIe nogir, uepe46auyeaHa loronopoM crpaxyBaHHs a6o .{uuHara3aKoHoAaBcrBoM, xra ni46ynacs. i 3 HacTaHIUIM rxoi srnrrurae o6on'.s:ox CrpaxoBrrra srificgr,.uBr.rrnary crpaxoBoro ri4ruro4yeaHH.a crpaxyBanbHr{Ky a6o rperifr oco6i (Bvtro.qoHa6ynauy).

4.3. Ctpaxonr'Iuu pII3I,IKaMLI, Ha Brrna.qoK rKr4x npoBarrrrbc-s cTpax)tsaHH.{ 3a rIHMr.rflpanznauz, e raxi nolii:

4.3.1. flourxo4xennf, a6o 3HLIuIeHruI 3acrpaxoBasoro vrafrua nnacni4ox anapii eo4onponi4noi,xanani:aqifiuoi a6o onanrosanrHoi crrcrelvrr{, a raKox crrcreMr4 noxeNeraciHu-{, 3a ur"rr*onnIIoIxKoA)KeHH-tr BoAoro 3 aBToMaraqHr,rx clpr4HKJrepHr{x clrcreM noxexeracinHx.

3agHa-reHaM[ BI4rIIe c[creMaMI'I BBax(arorbc{ [poKJraAeHi s 6y4inni eo4ouocui ycraHoBKrr,BKJIIosaIoqz niAsoAn ra nigro4a, a raKo)I( inure o6nalHanHfl, lriqno noB'q3aHe s rpy6onponi4HoiocHcTeMoro B oAorrocTaq aHHs.

3a yuonauu qux llpanru Crpaxonzr eiAruroroeye :6zrxa, uo BlrHrrKJrr.r BHacrinorBrInI4By no4onponi4noi eoAN rlepes anapiro oaniei 3 nepepaxoBaHr.rx Brrrqe cucreM.

BiAruxoAosyrorbcr raxi nrErpara Crp axyn anbHr4Ka :

- Blrrparl4 Ha ycyHeHH.{ Hecuo4inauax rIoJIoMoK rpy6onpoeo4in AaHr.rx cucreM, .[xi3Haxo4[Tbc-s 6e:nocepelHbo B 3acrpaxoBaHl,Ix 6y4iuxx, npu r{boMy npu ueo6xi4Hocri sauiHu rpy6ri4Iuxo4onylorbct BI'ITparI'I, -sKi He rrepeBrrrqyrorb naprocri :auinq rBox rrofoHHr.rx Merpie

norxKoAx{eHoi AinrHKr.i rpy6 ;

- Brrrparv Ha yclrleHn.s :6arxis eiA HecnoAisaHoro 3aMep3aHH-s 3a3Har{eHzx rpy6onpono4in,a raKoxt cilon) IeHux 6e:noceperHbo 3 Hr{MH anaparin ra rrpr4naAin, rarcnx.sK BeHTvri,6axtr.,B aHHH, pa4iaropu, orrilrrroBulrrrHi rorlr.r, 6ofinepu rotrlo ;

- Br{Tparr.r rio po3Mopo)K]tsaHHro 3a3HarreHHX rpy6ouponogin ;

- BI,ITparI.r rto po3quqeHHro 3acrpaxoBauux npunriilIeHb nicrs crpaxoBofo BurrarKy rrpore He

6inrrue 'akrM 57o ni4 crpaxonoi cyrua.He niAuno.qoByrorbcr raxi nnrparI,t ra s6urxu:- rlo peMoHry ra (a6o) :aniHi, a tarox po3Mopo)K)tsaHHro rpy6onpoao.qie ra iHruux rracrr{H

no4onponi4noi, raHa-lisauifiHoi, onanrosanrnoi cucreM Ta cr.rcreMr.r noxexelaciHnx, qxi3Haxo.4rrbcr 3a MelKaMrr 3acrpaxoBaHrrx cnopyA ra npuuiqenr;

- g6urxu niA noIuxoAxeHb lrafisa raptqllM a6o r<oH4eHcoBaHHM napoM npu nonoMui uuxCIICTEM;

- uenprlti 36utrcu, crlpuqlzHeHi nepepnoro y erapo6Hrarlrei a6o sHacrinox Herr,toxrusocriUlJboBorO BI,IKOpI,ICTaHHq IIOIIIKOA)KeHI,IX npr.rrrairqeur, [pL{ BTpaTi upli6yucy TOxIo;

- 36nrxn, rae.qaHi ToBapaM Ha cxlani. rxruo BoHu :6epiraurtcr a ni4na,rrHl.rx raHanienileaJrbHL{x npnuirueuurx Ha eiacrarri MeHue 20 cr'a. eia niArorn;

- 36utru, sxi suHuKrlr.qo lorrarxy aii fioronopy crpax]tsaHns., aJre ea-snreHi nic:r.s fioro ncryrry3 Crlrry.

4.3.2. floruxoAxenns a6o 3HHIIIeHHx 3acrpaxoBaHofo tvraftlea nuac:rigor wr6yxy napoBHXi:,cr-rin, ra3ocxoBrzrl ra3orrpoBo4in, na,ruBocxoBurrL iHuux euHocrefi, rpy6onponogin, anaparin,r.{alIIHH.

4.3.3. 3aslanux CrpaxyBanbHrrKy s6urris nuacri4or rrporurrpaBuux .qifr rperix oci6 :

4.3.3.1. Buxpageuu{ 3acrpaxoBaHoro uafrHa qepe3 rpagixxy si sror\aold a6o norpafyuauut.!":a:i;xxa:i sror4or\.{ BBaxaerbc{ .qoBeAeHoro, -sKrrlo BuKoHyerbcr xoqa 6 olna 3 Hacr)aHrrx ]MoB:

- 3JIoBMLIcHLIK rlpoHrrKae .qo nplruirqeuHx (6yginri) rrrJrrxoM 3naMyBaHHs eiroH a6o 4nepeii :a- r:To\rorolo ni4lruuor a6o iuuu.rlr qlrHoM, nepe6oproroqu lepeurKorrr 3 3acroc]tsaHH.flM cunpr;

- 4nepi 4o 6y4ierii (npnnaiuleuux 6ygieri) ai4rpuri 3a ,qonoMororo nigpo6:resoro x.:to.ra a6o: i:aJeHoro opvrina$noro KJrroqa ni4 npurr,riureHHr;

- 3JIoBMHcHHKa 3acriIJIIa ua uicui 3norIHHy n npnniuleHHi cnopyau nil uac rcpaai;rxH. ra eiH

-.:--roc)tsaB cr{ny, qo6 s6eper"ru Ar.s ce6e nrpa4eHi peui;- 3JIoBMI,IcHI{K 3JIaMaB cefiQu a6o sn\uxu ncepe4raui npurrairqeur a6o nuxopucraB ni4po6neur

.--.qi.]JIN Tofo, 111o6 ix ni4irr,mHyrI,I.

lIi4po6neHHMIr KJIroqaMIr BBax(arorr rirsrcr.r xmoui, BrrroroBrreui sa gop) reHH.f,M a6o : siroN{a-':-f . rri He Marorb rrpaBa po3nop-f,ruKarvrci{ cnpanxHirr,ru Knror{aM[;

- 3iIoBMr{cHlIK Brrn} {ae npeAMeTIr 3 3aMKHyIL{x ilplrMiIrleHr, Ao f,KHX niH pauiure .4icraecs-=;-aiiuuu ruJlrxoM i e qrux ra€MHo 3aJthlrlaBct 4o ix:axpLrrrfl.,Ta BHKopHcraB onHH :i cnoco6is.

-::epaxoBaHrrx BtzilIe, AJIx roro, qo6 eufirra : npr,rlrirqeuru.1,3.3.2. floruro4xeHns a6o 3HaxreHHt 3acrpaxoBaHoro uafina nuac;ri4oK rrporr.rrpaBHlrx

:-;: -erix oci6 (xynirancrBa, pos6ifinoro Hana1y rorqo).1.3.3.3 flporunpanni aii rperix oci6 eu:Harorbcs raKrrMH :rigno s Airo.rur\a 3aKoHoAaBcrBoM

: i:=inr trpli HatBHocri 4oxyrraeuris ra pilreHr yloBHoBaxeHr{x AepxaBHr.rx opraHin.1.3.4. flolmo4xesH-s a6o 3HLIilIeHHt 3acrpaxoBanoro uaiina nHac:ri4or na4iuHx ,liranruux

.-rl:;ie ra ix y.rralffiin.-1.3.5. florurco4xeHHx a6o 3HLIqeHH.u 3acrpaxoBaHoro rvrafrna nHacli4or Hai:gy

:: 1:: : :T oprHuMrr saco6arau.

5. B III(TIOIIEHIIfl 13 C TPAXOB I,IX B I4TIANKIB. OE ME }ITE HI{'I C TPAXYBAHH'I

-i.1. CrpaxoBHK He npufiuae Ha crpaxyBaHHq, rKrrlo iHue se nepeg6aueuo loronopou, rarci-:El.Ia:II:

5.1.1. forierosi rpouri (rx naqionarbHy, rax i inoseMHy Banrory), qiuni narepu (o6niraqii,qeKH, axqii rorqo), .4inony 4oxyueuraqiro, Sorosniuru, ctait4u, Hocii rasnx (nep$oraprn,uanrirni ruinrra, roun'totepHi 4ncrerz ra 4ucna );

5.I.2. Bzpo6u 3 KoluroBnoro ra nanisrouroBnoro xalriHHx, .{oporoqinHvx MeraJrin, xyrpxHinnpo 6r.r, nnpo 6H, Br.rroroBJreHi s nnropucraHH.fl M xyrp a ;

5.1.3. Kynrtoni qiuuocri, $inarenicruvni, nylrisuarr,runi Ta iHnri rorerqii, Kaprr.rHr.r,cKyJrbnrypll, aHTrrKBapui ta inuri [pe.4Merlr, sxi uarcrr xyAox{Hro qinHicrr, pi4xicni KHr,rrL{ ra 6y4r-nci inuri papllrern (rpiu suna.qKie crpaxyBaHH.rr Ha qac [poBeAeHHs Br,rcraBKlr rorrlo, ane 3

.to.4arKoBHMr.r yNroB aMH) ;

5.I.4.,,{inony AepeBr4Hy, ApoBa Ha nicocirax ra ni.q qac crnaBy;5.1.5. Xyao6y, nocisu ci-nrcrrorocno.4apcbKrD( Kymryp, rfpyrrono-xri4ri Hacagxer*rr;5.1.6. Tpancuopuri saco6n ni1 yroHy;5.1.7. MafiHo, tKe 3Haxo.qzTbct Ha repuropiT ni4npuevcrea, :asHa.reHiil e loronopi

crpaxyBaHlas., aJre He HaJlexrIrr CrpaxyranbHllKy (rpiu nnna4xin crpaxyBaHHs. wairua B3-rrroro B

opeHAy, nisuHr (npoxar) a6o aacrany;5.1.8. Oco6ucri pevi upaqisHrris CrpaxyeanbHrrKa, rKrrlo C:rpaxyeanbHrrKoM e ropr{Ar.rqHa

oco6a.5.2. CrpaxoBllK He nece siAnoni4a-nrHocri (ne ni4lrKoAoByrorbcx CrpaxoBrrKoM silnoeilHi

:Srrrxra):5.2.I.3a rxKoAy ra s6urox, .sri cranlrc.{:5.2.7.1. BHacniAor 3acrocyBaHnx x4epuoi a6poi;5.2.1.2. Bnacri.qor BnnI4By rIpoHI,IKaIoqoi paaiauii, palioaxrnBHoro :a6pylneHHx 6yAr-xr<zu

f,fepHLIM Ia]JII{BoM a6o si,qxo.qauu niA 3ropaHHt ,a'4epHoro rraJrvBa (uaerrcx Ha yra:i rtpouec flrepHorono:iny);

5.2.1.3. flil .{ac HaAgsr.{qafinoro, oco6JluBofo .{u sificrroBoro craHy, ofoJrorrreHoro opfaHaMr.r

Rfcru n rpaiHi a6o Ha repHropii 4ii,{oronopy crpaxyBaHHrr;

5.2.I.4. flil .rac rpoMaAcbKr.Ix 3aBopymeHb, peBoJlrcqii, saronory, rroBcraHHr, crpaftry, nyrvy,Joxayry a6o repopracrrzrrHofo aKTy;

5.2.I.5. BHacni,4or roH(ficraqii, pernisaqii, Harlionanisarlii, 3Hr4nIeHHs v,aits,a 3a HaKa3oMrrnninrnr,rx, BoeHHr{x nnaA a6o uzrHuqi sa nricqeu 3Haxo.qxeHHr 3acrpaxoBaHorg rr.rafisa;

5.2.I.6. Bnacni,qor sa6py4HeHns a6o 3apaxeHHt HaBKoJrurrrHboro cepeAoBr4rrla da etaHsrxo]r,rrrna.uxig, KoJrlr BoHr,r cnpuquHeHi crpaxonaM Br,rla.qKou a6o fioro uacli,qKaMr.r.

5.2.2. 3a g6lrrox a6o uurpara, cupauuHeHi:5.2.2.1. AnrotpaHcnoprHprM saco6au, saco6ar{ nepecyBaHHs ilo Aopofax, BKrroqaroqu

.fo.larKoBe ycrarKyBaHHs, rlpuqerru, .f,KrIIo BoHLI 3HaxoA.srbcr 3a Me)r{aMu lricug crpaxyBaHHr,a3naqeHoro n [oronopi crpaxyeaHHrr;

5.2.2.2. MafiHy nHacni4or rpy6oi ne46anocri CrpaxyeaJrbHr.rKa (n rorray .rprcri 3 MerorordinmeHn-s posruipy crp axoB oro n igruxo4yr aHHx) ;

5.2.2.3. Maftuy, .f,Krrlo 6esnocepegHboro rpuqr.rHoro s6urris 6yno nopyleHH.f, BcraHoBJreHr4x

faXOEOM a6O inrUurrrn HOpMaTr,rBHr,rMr,r aKTaMr.I flpaBr,rn rexniru 6e3neru, rexuonorifirrpodnuqrsa a6o inurrax BcraHoBJIeHux uoplrarunin;

5.2.2.4. Mafiny nprr HeMrrHytlrrx B npoqeci po6oru a6o rnx, ruo srrixarorb 3 Hei eunalxieauo3arrurJrroBaHH.fl, 6po4inHx, fHrrrrfl, xoposii, [p]rpoAHoro 3Hocy a6o iuur.rx lrpI,tpoAHHXLracrrrBo crefi onpeunx [pe.qMeris ra lrarepia-nie ;

5.2.2.5. Mafiny sHacri.qor rpa4ixxr.I a6o posr<pa4annx uafina nil qac a6o nicrs crpaxoBoroqn4fl\y.

5.2.3. Crpaxonur He Hece ni4noni4amnicrr (xrrqo isure He nepe46aueHo .{oronoporr.r;rpaxyBaHHx) sa s6urox a6o Brrrparr,r, cnpu'ruHeHi:

5.2.3.1. Tifi .racr[ui 3acrpaxoBaHoro uafrua, .rrKa Br.rKopr.rcroByerbcf, n peNurvri, sxuirri:pi:nxerrcs sil snn'raftHoro, ni4 uac 6yAr-xKoro peMoHTy, Bnrrpo6ynanux, uacrpofircu, rexuiuHoroaScnronynaHru. I{e o6Mexeun-f, He po3noBcroA)Kyerbcfl na inrue 3acrpaxoBaHe uafiHo;

5.2.3.2. Eyar-xxifi .racraHi eneKTpllqHoro ycrarKyBaHHr a6o ycrauoBKr.r, rKa rrocrpaxranamcri:ox np.f,Moro Br.rroKy eneKTpoeHeprii a6o na4ruipHoro HaBaHTax{eHHr uepexi, a6o .repe:

KOpOTKe 3aMLIKaHHt, nepeBaHTax(eHHt;

5.2.3.3. Maftuy CrpaxynanbHHKa, npo.UaHoNry : 6yAr-xruMLI yMoBaMI4, IIepe.UaHoNry B fIoBHe

focloAapcbKe po3roprAx(eHHs a6o n poscrpo.my nicnx roro, qK IIe naafiuo 6yno nepe4aHe norcyn{eri;

{.2.2.+. Enepreru.rHr,rM, Kor\ryHiraqifinulr, [epeAaBanbnr'riu a6o po:no4inruun liHixrvr;

5.2.3.5. fli4saruHarnl 6yairenb, Hecyquv ctiHau, o6la.usanslo ra 6ofilepau, xruqo ixni.usar[Hz 3gaxoArrJrrrcb Hr.rxqe ei.u nilnanbHofo noBepxy a6o sel\arsnoi nonepxHi y BI4rIarKy

nigcyrnocti ni4na-uy;

5 .2.3 .6. fliAs eI\aHuN.{ rpy6au, AI'(MoxoAaM, BoAocroKaM ;

5.2.3.7. MafiHy y sn'xsry is sacrocyBaHHsM eu6yxonux peuoBuH ra inrunx xilraiqsux

croJryK a6o cyr'riuri peuonuH, 3AarHr,IX Ao IxBI{AKoi ex:orepuiqHoi peanqii, .flKa cyfipoBolxyerbcf,

eg[ireHHsrr,r seruroi rin511ocri TefrJra a6o rasin, cneuiamno [pu3HaqeHv:x Ans. npoBe.ueHHx nv6yxin

y rifi .ryr iuuifi $opui, a6o Ans. ex:orepni.rHllx peaKlliil e pexuNli reurosoro nu6yxy anx

caMopo3rroBcroAxcyBanbHofo Br{coKoTeMllepaTypHofo cI4HTe3y, cIIaJIIOBaHH-tr 3 MeTOIO OTpHMaHH-f,

eneprii;5.2.3.8. Mafiny niA enrusou aifi rpusyHin, napasrarin KoMax, rpu6ra.

5.3. He ei4uocxrrcr Ao crpaxoBofo BrrnaAKy ra He [oKplrBarorrcs s6nmi, flKIIIo iuue ue

uepe46aueuo e floronopi crpaxynaHHr, ulo cTirJrHcfl n pesylsrari:

5.3.1. fpy6oi Heo6epexHocri a6o xarrarHr{x tifi CrpaxyriIrIbHLIKa (Braro.qona6l'nava);

5.3.2. floruro,[xenHx a6o 3Hr.rilIeHHrr 3acrpaxoBanoro rrtafina snacri.qor uoxexi ra (a6o)

nn6yxy;5.3.3. floumo.uxengs

Brxopy, 3eMnerpycy, y4apyceJlro, npoci4anHt TPYHTY,

cnironaAin, rporY, alranu).5.4. He sinxrxoAosyroTbcr crpaxonuroM HenpflMi S6urxu, a caMe:

5.4.L -f,ri e nacniArorrl no4ifi, xKHM He Mox(Ha sano6irru a6o noaifi, uo 3 HI{x

trpgpo,qgbo Br.rrrJrrrBarorr (roposii, fHrrrrr, npupolHoro 3Hocy a6o iuuzx [pupo.qHI'IX sracrlaeocrei'I

oKpeMHx npeauerie).- 5.42. floe'ssaHi 3 BtrMyrrreHr.rM npocroeu a6o repepBoro y nnpo6uuqrni, xra crailacfl

nnacni4or rrorrrKo.4)KeHH.rr, 3Hr4rqeHHt a6o BI,IKpaAeHu.f, 3acrpaxoBaHoro ltafrua, nos'q:aHi 3

flororrHr{Mrr Br{TparaMr.r CrpaxyeanbHrrKa no [poAoB)KeHHro roclo4apcxoi AismHocri, to6ro

BlrTpaTaMr,I, qKIIX Crpaxyeanruur [po,UoB)Irye 3zr:HaBaTlI n nepio4 nepepBl4 y nupo6nuqrni y

pesynsrari npocroro, a caMe:

5.4.2.I. Bunlara sapo6irHoi nnarHi po6irunrau ra cnyx6onqxrt;

5.4.2.2. Cnnara unarexis opraHaM coqianruoro crpaxyBaHHt ra aHarori'IHi itr,t nlarexi;5.4.2.3. Cnnara sa opeHAy nprEuiuleHr, ycrarKyBaHns a6o inuroro uafiua, opeHAoBaHoro

CrpaxyeanbguKoM Anr BeAeHHr rocno.uapcmoi .ui-f,mHocri, qKIIIo 3a )MoBaMI4 AoroBopy opeHII4

rurirexi ni.ulsraroru cnnari He3ane)rcHo ni4 tfarry [orxKo.4xennx a6o 3Ht{IIIeHH-u opeHAoBaHoro

lrafrsa;5.4.2.4. Cnnarlr noAarr<in ra s6opin, sri crtrylorbc.fi He3anexGo BIA pe3ynbrarlB

rocnoAapcrroi AisnlHocri ni4npI'rencrna;5.4.2.5. Br.rnnara npoqeurin 3a KpeArrrauu a6o iHnvIul.l 3anyrleHl{Mlr KOIIITaMIT, {KrIIo ql

xorurrr 3an) {anucfl, r\ns, insecruqifi n rift ranysi .4ismHocti, .xxa 6yla npnnuHeHa qepe3 HacraHHt

crp axo B of o BrrrIaAKy, uep e4 6aueHoro yldoB aMrr crp axyB aHHs ;

5.4.2.6. ArnroprusaUifiHi ni4paxyeaHHx 3a HopMaMI,I, BcraHoBJIeHuMI{ Lnfl ni4upI'rencrna

"^-\T:;.+lul"rour" no orepaqixx, mi He Marorb 6e:nocepeAHboro niAHourenns Ao

rocloAapcrxoi Ai.snurocri CrpaxyraabHrrKa;5.4.2.8. Bunnara niuensifiHr,rx Ta aBTOpCbKr.rX BuHarOpOA, BI4HafOpOA BI{HaxuHI{KaM, cflJlara

*"*o"rTi3lilt#;r"rpr Ha rrepeBe3eHHr ronapir, *i ni4npauae crpaxyBanbHplK, ra noe'xeaHi :

urrM BrrTparLI;

5.4.2.10. Cularu ueycrofixu, urrpaoin, ueHi 3a HeBpIKoHaHHt ,qoroBlpHlrx 3oooB't3aHb

a6o :nuuleHHt 3acTpaxoBaHofo lrafisa sHacli.qox cruxifiHlax nux (61pi,

6rucxasxu, Br,rBepxeHHt BynKany, o6naly, 3cyBy, [aBoAKy, noseHi.

gii {pygroBl4x BoA, HaAgs[qafrHI'IX An-f, Aasoi tvticqesocri rrlopo:in ra

I

CrpaxyealbHl{KoM rlepe.u naprHepaMr{.

6.IIoP,flJIoKyKJIAAEHH,flAoIoBoPyCTPAXyBAHH.fl

6.1. ,{oronip crpaxyraHnr yKnaAaerrcr Ha ni4crani nucrNloeoi saqs[ CrpaxyralbHl'IKa rlpo

crpaxyBaHnr sa $opuolo, tKa HaAaerbct Crpaxoeurou'CrpaxynaJrbglrK go6os'ssaHlrfi nonigorunrIl Crpaxonury Bcro 3arII'ITaHy Crpaxonuxorra

in$opuauiro, rKoro eiH eoroAie crocoBHo o6ctanuu, sri uarom c)ruTeBe 3HaqeHHt Ans BI43HaqeHHt

cTyreHro pH3I{Ky.

6.1.1. 3asea IIpo cTpaxyBa]fll]f|.t-, onr.rTyBi]nLn[fr IUCTOK Ta AoBLqKa-oIuc ljtr'f.akrlla, flKe IIIAJI{rae

crpaxyBaHHro (aosilra-po3paxyHor) e nesiA'eMHI,IMr{ Ao.uarKaMu 4o,{oronopy crpaxyBaHH.u.

6.2. fIo 6axaHuro CrpaxyralbHr.rKa ,{oronip crpaxyBaHnt Mo}I(e 6yru yrnaAeHo crocoBHo

rrerroBHofo nepenixy pusrarin, Br,r3HaqeHr.rx y po:aini 4 uux flpanul.6.3. IIpu yrnaaauni.{oronopy crpaxyBaHH-s Crpaxyra;rbHl4K rIoBI{HeH Ha.4arrr Crpaxonury: '6.3.1. Moxrl,rsicrb ornrHyrra uaftuo, xxe ui4nrra€ crpaxyBaHHro, Ta rlpoBecTpl eKcrlepru3y

no oqiuqi cryrleHt prr3tIKy HacrauHs crpaxoBoro BI'InaAKy;

6.3.2. Bci neo6xilni lasi npo uafino' me Crpaxowrx 6epe Ha crpaxyBaHH'f,;

6.3.3. Bcro iHtpoprraarlirc rpo si.qor\ai forvry pI{3I.{KrI, raxi .tK He6esneqHi sracrusocri

Br{Kopr.rcroByBagr,rx ra orpr.rMyBaulrx peqoBlrH Ta uarepianin, He6e3neuHi eupo6uuui npoqecu ra

onep aqii, ne6 egn e.{Hepo3TalxyBaHHt Ta iuni ananori'{Hi niAo1aocri ;- 6.3.4.IH$opnraUirc rpo AoroBopr.r crpaxyBaHrul, yrna4eui crocoBHo Ilboro rraafisa s iHrrur'{r

CrpaxonuraIuI.r.6.4. CrpaxynalbHqK Hece siAuosiAamHicrr sa.uocrosipHicrr inSopuauii, xry BlH HaAae.

6.5. {oronip crpaxyeaHHr cKJraAaerbc.[ He MeHITI qLIM y ABox npHMipHl'Ixax, .slti rrlarorr

o.:rHaKoBy ,op"^"o"y iroy. OAun npulripnax fioronopy s6epiraerrcr y CrpaxoBl4Ka' iHI'ufi - yCrpaxyra-ubnlrKa.

6.6. @ar<r yKnaIeHHfl .{oronopy crpaxyBaHHt Moxe nocni4uyeatvcb crpaxoBuM cBTAoIITBoM

(crpaxonuu nonicolrl), qo e tf opnaoro,{oron opy crpaxyBaHH'a'

6.7. ,{oronip ffpaxyBaHrrfl Moxre 6yna yrnalelufr xc Ha Kopllcrb Cr:paxynanrHllKa, raK i ua xopucrr

oco6n, elrgHa.rerroi CrpaxyranrHl'IKoM (Bmo4ona6yraua)'

6.8. .{oronip crpaxyBaHrrfl ua6yrae wn*rocri B noptucy, ilIo BIlsHaqerud.{oronopoM crpaxyBaHrul.

6.8.1. ,{ororip crpaxyBaHux ua6upae qr{HHocri (sruo iuure ue lepe46aueuo ,{oronoporvt

crpaxyBaHHfl):a) flpu po3paxygKax rorinxoro - s 00 roAr.rH 00 xnunuu AHs, HacryfiHoro 3a AHeM crlnarl4

cTpaxoBoro BHecKy [peAcTaBHnry crpaxoBr{Ka a6o n racy Crpaxonnxa;

6) npH 6esrorisxosvx po3paxyuKax - 3 00 roAuH 00 xsuruH .4Hfl, HacrlmHoro 3a IHeM

HaAxoAx{eHHt cTpax6Boro BHecKy Ha po3paxyHronufi paxyHoK Crpaxonura B IIoBHoMy o6crsi a6o

nr.rsua.renifi uacrzui, tKIUo qe n ep eg6a.reno,{oronopoM cTp axyBaHHt.

6.9. CrpaxyBzrnbHrrK sriAHo 3 yKJraAeHnuu .{oroBopaMH crpaxyBaHHt Mae rlpaBo BHocIrrI4

unarexi Jrrr[re y rpouonift oAr.rsuqi VrpaiHu, a CrpaxyeaJlbHl'rK - Hep*I4,ueHr - y iuo:eunifr simHo

KoHBeproBanifi eanrcri a6o y rpouonifi oAprnr.rqi YrpaiHn y BI4rIa.uKax, nepe46aueHl{x qITHHIIM

3aKoHo.4aBcrBoM YrPaiHu.

7. CTPOK TA MICUE AIi AOTOBOPy CTPAXyBAHH'fl

7.1. Crpox 4ii .{oronopy crpaxyBaHH.r{ BcraHoBJIIoerLcs 3a 3roAoro Cropiu siA o.4Horo .4o

.saHaArltrLr N{icsqis, flKIIIo iuure ne nepeg6aueuo,{oroeopoM crpaxyBaHHt'

7.2. fiorovrp crpaxyBauru Aie Ha reprrropii YxpaiuH, tKIIIo isure se nepe46aueHo yMoBaMI4

{oronopy.7 .3. Micrle cmpaxy7aHHn - r\e 6yAunru a6o npvluirqeHHt B 6yAuuxax, a raKox,uirsHxa 3eMJIt,

Ha rKr,rx po3TarroBaHe 3acTpaxoBaHe MafrHO.

Bilnoniauo Ao IIux flpanun uafruo BBaxaerbcs 3acrpaxoBaHr4M rinrrca B ToMy pasi, xola nouo3HaXOAI,rrbCX e UiCqi crpaxyBaHHrr 3a BH3HaqeHoro, rKe BH3HaqeHO B [OrOrOpi.

7.4. flxttto 3acrpaxoBaHe uafrno Bunfraerbca a uicqx crpaxyBaHHq, To crpaxyBaHHr Ha raKerrafiHo He po3[oBcroA)Kyerbcr, rKrrlo isure ne nepe46a.reHe yMoBaMz loronopy.

7.5. -flrIqo nicn-r Bun) IeHHt uafino rloBepraerbcfl. Ha lricrle crpaxyBaHHx, gin loroeopycrpaxyB aHHx ni4nonnroerbcr 6es slriHz repir,rinin crp axyBaHHr.

8. IIPABA TA OEOB'.fl3KI{ CTOPIH

8.L. CrpaxyBaJrbHrrK Ma€ rrpaBo:8.1.1. Y pasi HacraHHt crpaxoBofo BlrnaAKy Ha orprrMaHHr crpaxoBoro ni4ruxo4ynaHn{ 3

ypaxyBaHntM KoHKperHI,IX yMoB.{oronopy crpaxyBaHur B Me)Kax crpaxoBoi cyrrau;8.I.2. Ha sneceHn-{ sMiH a6o AonoeHeHb Ao yuon [oroBopy crpaxyBaHH.rr 3a 3roAoro Cropin

3nlqo 3 yl\{oBaMI'I posginy 14 Uux flpanr.rn. flpu qrorray yKnaAaerbcr AoAarKoBa yrola Ao Airo.roro.{oron opy crpaxyB aHHx uix CrpaxonuxoM Ta Crp axyr anbHr{KoM ;

8.1.3. Ha 4ocrpoKoBe rIpunI4HeHH.u 4ii fioronopy crpaxyBanHr arituo 3 yMoBaMu po:4iry 15urx flpanun;

8.I.4. Ha yrna4enHx floronopy crpaxyBaHHt Ha Kopr.rcrb Barorona6yBarra, xrlrfr na6ynae npaBi o6on'-prcin Crpaxyea-ubHrrKa ni.quoeiAHo ro yruoB fioronopy crpaxyBaHHr ra rl]rx flpanzn;

8.1.5. Ha orpunaauHx 4y6lirary [oroBopy crpaxyBaHHr, crpaxoBoro cni4oqrna (noricy,ceprn$irar:y) y pasi BTparr.r opuriHa;ry.

8.2. CrpaxyBaJrbHrrK so6os'sgaH[fi :

8.2.I. fIpH yrna4euni .{oronopy crpaxyBaHHr Hal'arvr Crpaxonuxy Bcroneo6xigHy 4nx oqiura cryneH;r pr43r.rKy.

iH$opuaqirc,

8.2.2. Cnoeqacno BHocLITrr crpaxoni nnarexi n o6csrax ra B crpoKlt, scraHoereui,{oron op or.r crpaxyBaurur;

8.2.3. fIoniAoMLITLI Crpaxonraxa rpo iHrui airo.{i .{oronopu crpaxyBaHHr rrroro qbofo o6'€xracTpaxyBaEn r;

8.2.4. BxuBarI,I 3axolis rtlolo gano6irannr ra 3MeHrrreHHr g6zrrie, 3aB.4aHLrx enacriaoxEacTaHH_tr CTpaXOBOTO Br,r[a.{Ky;

8.2.5. floeigoirauru CrpaxoellKa npo HacraHHr crpaxoBoro Br,rnarKy B crpoK rrporrfoM rpr,oxpo6ovux 4Hin, arrqo inrue ne nepe46a.rego yr{oBaMu [oronopy crpaxyBaHHr;

8.2.6. flpu sN{iui cryrleHrl crp:xoBoro pLI3rrKy (nanpnxna4, rrpo $axru peroucrpyxqiinupo6Hzqrna; sauiHll ct4poBI,IHI,I, peqoBl.ru, rraarepianin, xxi nr.rroprrcroByrorbcx; elrinu nocni4onnocrirexnonoriqHlrx olepaqifi, cxeuu ra pexr{My npoqecin; [pulr{HeHHx enpo6nuqrna a6o cyrrenoisMiHu fioro xapar<repy; rrolxKoAx{eHnt a6o :HurqeHHf, 3acrpaxoBaHofo lrailHa He3anexHo ni4 roro,qrr niAnxrarorr rari s6nrxlt ni4rurogyraHHro Crpaxonr.rxorra) nporrfoM Tpbox po6ourzx guinuoni4olwzru B fiIrcbMoBift Qopui Crpaxonuxa Anfl npufrurrrx ocrauHirr.r piruenux rpo rroAaJrrury airc,{oronopy crpaxyBaHHrr, rKtrlo iHlre ne nepe46aueHo ,{oronopoM crpaxyBaHH.

VNrosaN{r [oronopy crpaxyBaHHr Mox(yrb 6yrra uepe46aueni TaKo)K iHrui o6on'.s:ruCrpaxyeanbHr4Ka, 3oKpeMa, o6os'rgKu :

8.2.7. ,{orpuuyearvrcfl. xoH$i4enqifinocri y crocynKax si CrpaxonuroM, He AorrycKarr4rlepeAaBaHnx rperiu oco6art iH(fopMaqii, xra e rouepqifiHoro raeMHprrlea Crpaxonara;

8.2.8. He exusatr.r cauocrifiuo nisrux saxogin Iqoro BrrcyBaHHr rro3oBy .qo oci6, BlrHHr4x y:ar4anni s6urxy, a nepeAarr.r npaBo Ha Br,rMory perpecy Crpaxonury;

8.2.9. Tpuwtarll 3acrpaxoBaHe uafiHo y ni4uonignocri Ao rrporr{noxrexHux ra inurux HopM6esneru, sa6esnevyrarll BLIKoHaHHt BrrMor opraHin HarJrrAy, Aorpr,rMyBarr4cb npaBrzn ercnnyaraqii;

8.2.10.fIucEMoBo noni4ouuru Crpaxonlrxa npo peoprauisaqiro a6o nir<silaqircCrpaxynalbHr.rKa-ropulr.rHoi oco6u;

8.2.IL. Ha4anaru 3a BLIMororo Crpaxonrara 4aHi 6yxranrepcbKoro o6niry ra :girHocri rra

t0