Under which conditions of the Policy is an Insurer permitted by Law to reject a Third Party Claim? Please specify.
Under which conditions of the Policy is an Insurer permitted by Law to reject a Third Party Claim? Please specify.
As provided in Article 6 of the Law the following risks are not insured:
a) infliction of damage during the use of a motor vehicle other than that specified in the compulsory insurance contract;
Type of vehicle Personal injuries (per accident) Material damage (per accident)
All vehicles 160 000 rubles (ca. 3 300 euro) per every injured (With effect from 01/12/2007) 120 000 rubles (ca. 2 500 euro) if there is one victim;
160 000 rubles if there are two or more victims (With effect from 01/12/2007)
All vehicles 500 000 rubles (ca. 10 400 euro) per every injured (With effect from 01/04/2015) 400 000 rubles (ca. 8 300 euro) per every injured (With effect from 01/10/2014), no limitations per accident
b) Infliction of moral harm or arising of the obligation to compensate for lost profit;
c) Infliction of damage by the use of motor vehicles during automobile racing, test drive or driving lessonsin dedicated places;
d) Natural environment pollution;
e) Infliction of damage by the cargo transported if the risk of such liability is subject to compulsory insurance in accordance with the law prescribing the relevant type of compulsory insurance;
f) infliction of harm to the life or health of employees when the latter fulfil their job responsibilities if this harm shall be compensated for in accordance with the law prescribing the relevant type of compulsory insurance or compulsory social insurance;
g) Responsibility to compensate for employer’s loss caused by infliction of damage to an employee;
i) Infliction of damage by the driver to the motor vehicle and trailer he drives, cargo transported, equipment installed on the motor vehicle or trailer, or any other property;
j) Infliction of damage when the cargo is loaded to pr unloaded from the motor vehicle;
k) damage or destruction of antiquarian or other unique things, buildings and structures of historical and cultural value, articles of precious metal or precious stones, cash, securities, religious things, works of science, literature and art, other intellectual property;
m) material and personal damage caused to the passengers if Russian legislation requires such risk to be covered by the compulsory carriers liability’ policy.
