Sberbank: property insurance. Reviews

Sberbank has property insurance, deposits and credit programs for every taste. This company has developed many financial products that can meet all the needs of the population in the field of banking services. However, the bank's reputation as costly, slow and problematic, developed over the past decades, gives rise to doubts - is it worth linking? Choosing mortgage property insurance in Sberbank, can you expect to receive money in the event of an insured event? Or is the firm's reliability as an insurance company not up to par? This can be assessed by reviewing the feedback of those who used the services of the firm. It will not be superfluous to analyze the list of companies involved in property insurance (Sberbank).

For all occasions

The firm has developed many programs, so you can insure anything from various hazards. By law, in some situations an individual is required to issue property insurance, and the organization offers banking products for all these cases. For example, the program of insurance of collateral property of the Savings Bank, the car purchased on credit, the dwelling bought under the mortgage operates. However, this diversity of opportunities is not exhausted. As those who have already encountered an insured event say, it is even easier to get payments from Sberbank than from many companies that deal only with insurance.

Special conditions

Some clients of the bank can expect special treatment and individual tariffs. This is provided for those who decided to purchase a premium package. The bank offers two options:

• "Status";
• "Prestige".

Taking advantage of this banking offer, the client gets access not only to the insurance of the property of individuals in Sberbank, but also can use special rates for obtaining tourist insurance. This is especially true for those who often travel abroad. If you believe the advertising brochures (and some reviews), property insurance in the Savings Bank allows you to leave in the past any problems and guarantee yourself comfort even when circumstances are up against a person.

Accreditation

Be sure to study the provision of property insurance services in the Savings Bank of the company (a list of them can be found on the organization's website). Selection of the insurer is not an easy task and requires a responsible approach. It is important that the firm has a good reputation, which would indicate its reliability. If suddenly the insured event nevertheless has come, it is important that the firm immediately pay out everything that is supposed in such a situation.

It is necessary to understand that there are such insurers, who do not take their obligations very carefully. But such insecurities are insured by those who choose the firms accredited by Sberbank, as this bank very carefully checks all partners.

Property: already bought, but there is a loan

Special programs of the bank offer insurance not for the property itself, but for the credit program for which it was purchased. However, the reviews about this program are mixed. Not everyone understands the essence of the proposal, so many are unhappy. People are convinced that the bank is simply trying to lure more money.

Mortgage insurance from Sberbank for real estate is one of the options for such a loan program. Getting a policy allows you to protect yourself from unpleasant situations. The programs are quite different, so you can choose exactly what is most suitable for a particular client. If a person doubts what aspects are important to him, the consultants of the firm come to the rescue.

The pledge is insured

When receiving a mortgage, any person must immediately insure the property to which the bank gives him money in debt. Here, insurance companies accredited by Sberbank come to the rescue (property insurance is the program that is needed in this case). The house, apartment, purchased under the mortgage program, are insured against possible risks of damage, death.

If the insured event does occur, the bank will issue the money for this program. For the client, the program is advantageous as follows: a person is exempted from paying a loan if the housing is "lost". Property insurance for a mortgage from Sberbank seems quite a profitable program, but many prefer to work with accredited insurers. But be careful and compare the price proposals so as not to interfere with the firm that charges the commission.

Apartment under protection

Property insurance for mortgages from Sberbank - this is not the only program that allows you to save the real estate of an ordinary person. You can arrange insurance for your own housing even when it is not an obligation for the debt to the bank. This will save him from trouble, and in the event of an insured event, he will become a safety cushion, a source of financial support, through which it will be possible to overcome difficult circumstances.

But if the house is not yet built and an apartment is taken in it, then the insurance is not required by law. But as soon as the building is put into operation, and the buyer of the living space receives the certificate, it will be necessary to immediately obtain an insurance policy. Be careful: according to the terms of the contract, deliberate delay with the purchase of the policy is punishable by fines. The bank charges up to 0.5% of the amount of debt for each day without an insurance program. By the way, often this item is the source of negative reviews, both about insurance and mortgage programs of Sberbank. Not everyone reads the terms of the contract attentively, and then they are surprised that they have to pay considerable sums.

Buying an insurance policy

Property insurance from Sberbank involves the acquisition of an insurance policy. This can be done both in the office of an accredited insurer and directly in the bank branch. In addition to the insurance program for own assets, you can insure life, a bank card, health. The bank offers more favorable tariffs for regular customers and those who are insured under higher coverage programs. It's more expensive, but safer.

The policy in each individual case is calculated individually, taking into account the requirements of the client. If the result does not suit you categorically, you need to inform the agent about it. In most cases, specialists can offer something cheaper. Remember that the price of property insurance from Sberbank is influenced by the factors:

• Duration of the program in days;
• The price of the property;
• Age of the client;
• The state of health of the client.

Money under protection

It's no secret that money is also a person's property while they are with him. But in recent years, thieves and scammers have divorced a lot. If the theft of cash has been known for a long time, many people do not know about the possibility of stealing from a bank card. To protect yourself from such a disaster, you can join the insurance program. In addition, the package will help if the card is lost.

In Sberbank, property insurance in the form of a bank card is cheap, but it will save money from the withdrawal of money by third parties. The program will protect in case the client has become a victim of a fraudster or a thief. If you lose, lose, or damage the card, you can count on quick bank assistance with recovery. In addition, the program allows you to insure yourself against the situation of missing money withdrawn from the card, if this trouble occurred no later than 2 hours from the moment when the amount was cashed. The program is distributed to all countries of the world, and a report on the occurrence of an insurance event can be submitted by calling the hotline of the bank.

Property insurance: this is important

The insurance program is the interaction of an insurance company and an individual. It is regulated not only by an agreement concluded between the parties, but also by the current legislation of our country. Insurance products, as the law says, must meet certain conditions. In order to satisfy the requirements of legal norms, Sberbank's property insurance implies protection from:

• Loss of property;
• Damage;
• Destruction of partial or complete;
• Production losses.

The program includes civil liability for obligations, provided for by the laws of the country.

How it works?

If you visit the site of the Savings Bank, you can see that the insurance proposals are described in general terms, without specificity. The reason is that the detailed clarity is made already at the stage of drawing up the contract and paying for it. The insurer, the client agree on what insurance risks the arrangement covers.

In some cases, under the contract in the event of an insured event, the bank pays the full cost of the insured object, under other conditions the refund is only partial. Some programs assume reimbursement of the amounts necessary to restore the performance of the item. If revenues are involved in the arrangement, then if they are not received by the client (or only a part), the bank reimburses these amounts.

Insurance compensation

This term describes the amount that is sent to the client's address in the event of an insured event. I must say, it is in most cases - the source of dissatisfaction with private individuals, where negative feedback is received from the program. People rely on fairly large compensation, which in practice are much less than we would like. Often the reason is that many of our fellow citizens do not read the contract very carefully.

If the contract has been thoroughly studied and the amounts indicated in it do not coincide with what the bank sends to the client, it is possible to sue in order to establish justice. The practice of recent years shows that it is much more real to win a dispute with an insurer today than it was 5-10 years ago.

In the contract, the price of compensation is not always spelled out directly. If it is not there, then the insurance company estimates damage to the insured property and compensates for the losses. The justification for making a payment is the confirmation that things are really spoiled, gone.

Insurance amounts: basis for a fee

About how large the amount of insurance, the client finds out even before signing an agreement with Sberbank. It depends on what the material values of the client, passing under the program of protection from unfavorable situations. Money can be obtained if the loss occurs for the reason prescribed in the contract in the category of "insured events".

You can not set the limit of the insurance amount more than the value of the item. If the sum insured and the score coincide, they talk about full insurance, that is, in an unpleasant situation it will be possible to fully compensate for the loss. At a price less than the cost, compensation is only partial. Analyze the maximum possible amount under the insurance contract, taking into account this make a payment. At the same time, it is estimated how expensive it will be to buy a new similar item or create a similar product; How much in fact the item cost, at what price a similar one is sold on the market.

Insurance indemnity

This term is characterized by those amounts that can be obtained from the insurer in case of damage. Also, the compensation is paid, there is damage to the liability of the client of the insurance company to third parties. The amount is not always the same as prescribed in the contract, it is often less. The company analyzes the circumstances of the occurrence of the insured event and decides how much to pay.

Admittedly, customers usually expect full reimbursement of the insurance program, and reducing payments becomes an extremely unpleasant surprise. To protect yourself from such surprises, you need to carefully examine the terms of the contract. If there are doubtful moments, it is necessary to clarify them from a specialist working on official paper. If the insurance company does not comply with the terms of the contract, you can apply to the court to restore justice. Pay attention: in any insurance company there is an adjuster. Its task is to approve the grounds for paying the client money. Of course, the representative works primarily in favor of his company, and only then in the interests of the client. But those customers who are firmly confident in their position, can insist on their own opinion. The task of the adjester is to achieve an agreed position. In some cases, the insurance company may yield, just to avoid the trial. If you believe the reviews about Sberbank insurance programs, it is often not easy to satisfy all the requirements, but it is still possible.