Insurance from war. Is it possible to get compensation in case of damage to the rocket of property

The resident of Kyiv region Ivan Rogovy remembers hostilities near the village, because in March 2022 the Russian shell damaged his home. "We had quite serious damage to the roof, several walls, all windows flew, and a shock wave took out and the door. It was lucky that at that moment the family was hiding in a cellar. And then, after being de -occupation, there were many months of work to restore the house.

There was no time for government programs, so it was necessary to restore everything on its own so that the family could live in a normal house again, not in ruins, however, a volunteer brigade helped a lot, " - said the resident of Kyiv region. He also remembered that his colleagues, which in the same March 2022, had a shell damaged the apartment, but he did not receive payments, because the insurance contract was the consequences of hostilities There could be no insurance.

Now, in the spring of 2024, insurance policies of companies in Ukraine already have a covering of military risks, and the focus has found out what property and how to insure in the event of damage to the fragments of rockets or drones to obtain compensation for an insurance policy. If there were no companies at the beginning of a full -scale war in Ukraine, ready to include military risks in the real estate insurance policy, now there are such companies.

However, experts say, not every insurance can be mobi can allow such risks in the conditions of an insurance policy. "Although military risks have existed for a long time, they are not mainly covered by standard insurance contracts. There is a special coverage for this - the so -called PVI or insurance of risks of war, terrorism and public upheavals. To provide it with only international reinsure ", - said in the comment of focus Mykola Vasyk, Director of Retail Business SK Ingo.

If there is a covers of military risks in the policy, it means that the insurance company includes the cover of military risks and undertakes to compensate for damages for damaged housing, car or other insured property that occurred through hostilities. "Various companies can interpret the consequences of hostilities differently. For example, Ingo lists such reasons for the destruction of buildings as the hit of projectiles, missiles, drones and their fragments, mines, balls, etc.

and the consequences of explosions-broken windows and other damage to real estate. Insurance of the apartment or house insurance coverage applies to moving and immovable property (decoration, repair, engineering and other communications, furniture, household and other equipment, etc. ), and responsibility to neighbors (or other persons), " - said Nikolai Matika.

As before a full-scale war, a nuclear explosion and the losses caused by it-in the list of exceptions, that is, this risk is not covered by an insurance policy although military risks, such as damage to the building with fragments of rockets or drones, may not mean that there does not mean there There are no exceptions. That is, in such policies there is still a list of cases where the insurance does not cover the damage.

For example, damage as a result of nuclear explosion still does not cover the property insurance policies. Also, expenditures are not covered by insurance if the losses are related to the collapse of the building due to the wear of the structure.

"In all cases in all cases, the losses or costs that occurred as a result of nuclear energy outflow, ionizing radiation, deliberate actions or rough carelessness, collapse of buildings or their parts due to old age, wear, partial destruction or damage due to the Prolonged operation or emergency condition of the building, losses that occurred as a result of restructuring, redevelopment of premises, if such redevelopment, restructuring was not registered in the relevant bodies, " - listing some exceptions in the real estate insurance, Mykola Matika.

It is important that each company independently makes a decision on the territory in which insurance of military risks can act. Usually, companies still limit the effect of such policies in certain regions. For example, it is possible to insure an apartment in the Kiev, Zhytomyr or Vinnytsia region, but in Donetsk, Zaporizhia, Sumy or Mykolaiv, Kharkiv and Kherson. Of course, it is impossible to apply for property insurance from military risks if real estate is in a temporarily occupied territory.

Real estate owners can choose on their own the amount to insure the house, and it can be both 200-300 thousand hryvnias, and 1. 5-2 million costs of insurance for the apartment or house depends on the amount on which the policy is designed at all, and usually, usually, Experts say, the price of the policy can be from 1. 5 thousand UAH. up to 20 thousand UAH. "It is possible to insure apartments in residential buildings, after completion of repair and restoration work in the premises.

The insurance amount can be selected at your own discretion in the range from UAH 250 thousand to UAH 2 million. Communications are 70% of the insurance amount in the apartment, the limit of compensation for the inner property of the apartment - 30%, " - explained Mykola Matika. Not only real estate, but cars can be insured against military risks.

In Ukraine, as well as in housing insurance situation, not all companies include military risks in the CASCO policy, but such companies already have on the market, so car owners have some choice. "In the fall of 2023, we first developed the product of the iron" Iron Dome ", which covers military risks - damage from missiles, debris. We cover even the complete death of the car. This product became a real market breakthrough, because before that insurers were offered only partial coating.

Both damage to the car and its full death. According to her, the "iron dome" covers damage or complete death of car from rockets and drones. "The coverage includes all kinds of damage from these threats, including damage from debris. If the drone/rocket is hit by a UAV/building/building, such events are also covered within this product," says Nonna Rice.

In addition, the expert notes, the insurance of military risks includes the life insurance program for individuals "armor protection", which covers the risk of an accident for individuals as a result of hostilities - a trash of shells, mines, balls, collapses of buildings, effects of fire, mines.

Companies tell about cases where payments have already been, and they say that the procedure for resolving insured events has already been worked out to the smallest detail, and therefore, the client will not have to wait long to compensate for certain restrictions on the Kasko policy, which covers damage due to hostilities, yet There are, and they relate to a regional incision.

Often companies exclude the effect of the policy on the areas of the country close to the front and, of course, in the temporarily occupied territory.

"Iron Dome Insurance Contract" is valid in the territory of Ukraine, which will be located within the date of occurrence of territorial communities that are not included in the territories in which hostilities are conducted or on the date of occurrence of the event, territories of active or possible fighting, territories temporarily occupied territories of Ukraine, " - said Nonna Rice. As for the cost of such a policy, it depends on the insurance period and is 1-2% of the insurance amount.

In general, experts point out that the cost of CASCO programs with the inclusion of military risks can increase. "The need to update a business park or buy a new car for individuals has a positive impact on the market as a whole, so it can be assumed that the cu -hammer premiums will increase by at least 20%. The helmet of military risks continues to gain momentum and has high demand . - said in a comment to the focus Andriy Perosazhko, chairman of the board of insurance ARX.

According to Nicholas Vika, the procedure for settlement of cases that occurred through hostilities is no different from the standard. Inspection of the damage is carried out for 1-2 days, which allows you to start cleaning and rehabilitation of housing almost immediately. The cost of repair is performed for 2-3 days. And directly the insurance payment itself takes up to 10 days.

How the insured event is settled against the damaged real estate *: *UKO data used for the settlement of damages as a result of damage to cars, in insurance companies it is noted that there is also almost nothing in comparison with the standard, approved before the war.

"In order to receive payment to the insurance company, a standard package of documents and a written statement to law enforcement agencies on criminal offense under Article 438 of the Criminal Code of Ukraine" Violation of laws and customs of war "and an appropriate copy of the ERDR's extract under the same article", - said Mykola Matika said. .