The Insurance sum, an insurance premium

10. The insurance sum, in which limits the insurer undertakes at approach of each insured event (irrespective of their number during period of validity of the contract of obligatory insurance) to compensate suffered the done harm, makes according to the Federal law "About obligatory insurance of a civil liability of owners of vehicles" 400 thousand roubles, including:

240 thousand roubles at a tresspass of life or to health of several victims and no more than 160 thousand roubles at a tresspass of life or to health of one victim;

160 thousand roubles at a tresspass to property of several victims and no more than 120 thousand roubles at a tresspass to property of one victim.

Insurance payment on each insured event can't exceed size of the established insurance sum.

The insurance premium is defined according to the insurance tariffs established by the Government of the Russian Federation.

Change of insurance tariffs by the Government of the Russian Federation during period of validity of the contract of obligatory insurance doesn't involve change of the insurance premium paid by the insured under insurance tariffs operating at the moment of payment.

11. Insurance premium calculation under the contract of obligatory insurance is carried out by the insurer proceeding from the data informed by the insured in the written statement about the conclusion of the contract of obligatory insurance.

At change of treaty provisions of obligatory insurance during term of its action, and also in other cases provided by the present Rules the insurance premium can be corrected after the beginning of validity of obligatory insurance towards its reduction or increase depending on the changed data informed by the insured to the insurer.

The insured has the right to demand from the insurer written calculation of the insurance premium which is subject to payment. The insurer is obliged to present such calculation within 3 working days from the date of reception of the corresponding written statement from the insured.

12. The insurance premium under the contract of obligatory insurance is paid by the insured to the insurer cash or under the clearing settlement at the conclusion of the contract of obligatory insurance.

Date of payment of an insurance premium considers or day of payment of an insurance premium cash to the insurer, or day of transfer of an insurance premium on the settlement account of the insurer.
 

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