1. MHIOCCTPAX
^oroBOp (nojiHC)
CTPAXOBAHHfl rPAiKflAHCKOH OTBETCTBEHHOCTH
3A HPHHHHEHHE BPEflA BCJIEflCTBHE
HE^OCTATKOB CTPOHTEJIbHWX PABOT
K» 433-010668/14
«17» (JjeapajiH 2014 r. r. MocKBa
i>eKXbi, ycnoBHa H (JiopMbi cxpaxosaHHa cocxaBJiarox neoi-beMJieMyro nacxb nacxoamero floroBopa:
1.1. OOO «3ncpro3(})(|>eKTHBHocTb H )nepiocf)epe>Kenne»
1 151 14, r. MocKBa, KoaceBHHHecKHH npoes^, J. 4, cxpoenne 2, noMemeHHe 1, KOMHaxa 8
HHH 7705956260
2.1. OxKptixoe cxpaxoBoe aKHHonepnoe o6mecxBo «HHrOCCTPAX»
Poccwa, MocKBa,yji. nsxHHUKaa, fl..l2, cxp.2
1. CTPAXOBATEJIb:
2. CTPAXOBmHK:
3. HEPHO^ CTPAXOBAHHfl (CPOK
flEMCTBHfl flOFOBOPA):
4. CTPAXOBAH CYMMA:
5. OPAH111H3A:
6. CTPAXOBAfl IIPEMMJl:
7. PETPOAKTHBHblH I1EPHOA:
8. DPE^MET AOFOBOPA:
3.1. C «17» (jieapajm 2014 roaa no «16» <f)eBpajia 2015 roaa, o6e aaxbi
npH yc;ioBHH onjiaxti cxpaxoBOH npeMHH B nopa^Ke, npeflycMO'rpeHHOM HacxosmHM
HacxosmHii floroBop pacnpocxpansexcs HCKniOHHxejibHO Ha cnyiaH npHHHHCHHH spe^a,
HMesuiHe MBCXO BxenenHe nepnoaa cxpaxoBanna.
4.1. Cxpaxoaaa cyMMa B oxnomeHHH HMymecxseHHbix Hnxepecoa, yKaaaiiHbix B n.11.1.
nacxoflmero floroBopa, ycxaHasjiHBaexca B pa3iepe PySjieH 10 000 000 (/JecHTb
MHJIJIHOHOB).
4.2. CxpaxoBaa cyMMa B oxnomenHH Pacxoaos na aamnxy (B COOXBCXCTBHH c n.11.2.
nacxoamero florosopa) ycxanaBjiHBaexca Bpa3Mepe Py6jieH 500 000 (FlaTbcor TWCHM).
4.3. Flocjie Bbinnaxti cxpaxoaoro BOSMemeHHs cxpaxosaa cyMMa no aorosopy c'rpaxoBaHHa
yMenbiuaexca na pasMep npoHSBefleHHoii cxpaxoBoii Bbinjiaxu. Cxpaxosaxenb HMCCX npaso
na BOCcxanoBjieHne cxpaxoBOH cyMMbi nocne Btinjiaxw CxpaxosiuHKOM cxpaxosoro
BoccxaHOBnenne cxpaxoBOH cyMMLi ocymecxBnaexca nyreM
corjiamenHH K nacxoameMy florosopy H ynnaxbi
cxpaxoBoii npeMHH,paccHHxanHOH CxpaxoBiiiHKOM
B pasMepe5.1. Flo HacxoameMy floroBopy ycxanaBUHBaexcj! GesycuoBnasi
Py6jieii 50 000 (HnTbaecHT Tbicnn).
6.1.CxpaxoBaa iipeMna no HacxoaiueMy floroBopy cocxaBjiaex Py6jiefl 31 900
TbicHHa aeBSTbCOT) sa nepnofl cxpaxosanHH. Onjiaxa cxpaxoBofi npCMHH
CflHHOBpeMeHHblM IIJiaxe>KOM B COOXBCXCXBHH C BblCXaBJieHHbIM CHCXOM B
cpOK no «17» sviapra 2014 r.
6.2. npH neynnaxe cxpaxosoH npeMHH B cpOK, ycxaHOBnennbifi B nacxoameM floroBope KaK
aaxa ynnaxbi cxpaxoBOH npeMHH, HacxosnuHH florosop cliHTaexca ne BCxynHsmiiM B cHJiy H
ne Bueiex KaKnx-jiH6o npasoBbix iiocneflcxBHii ana ero cxopon.
7.1. CxpaxoBOH cjiynan ciHxaexca nacxynHBuiHM npn yciioBHH, HXO neaocxaxoK pa6ox 6biJi
flonymen B xeneHHe HepHoaa cxpaxosanHa H (HJIH) PexpoaKXHBHOro nepnofla.
PexpoaKXHBHbiH nepnoa no nacxoameMy florosopy Hanwuaexca c aaxbi BbwaHH
CxpaxoBaxerao nepsoro CBHuexejibcxsa o ^onycKe CPO, HJICHOM Koxopofi HBJiaexca
CxpaxOBaxejib.
8.1. Ho HacxoameMy ^oroBOpy CxpaxoBiuHK oSasyexca sa o6ycjiOBJie;
njiaxy (cxpaxoByro npeMHio) npn nacxynjieHHH

2. •tj ^^*
MHrOCCTPAX
9. BbirO^OnPHOBPETATEJIH
(TPETbH JIHL(A):
co6bixna (cxpaxoBoro cjiynaa) BbinnaxHXb cxpaxosoe BOSMeiueHHe B npeaejiax
ycxanoBJieHHbix HacxoaiuHM florosopoM cxpaxosbix cyMM H JIHMHXOB BO3MemeHna.
9.1. HacxoauiHH floroBop saKjuonen B nojibsy JIHU, KoxopbIM MTOKCX 6bixb HPHHHHCH Bpea
(y6biTKH), BKJUOHaa coScxBeHHHKa 3AaHHa, coopy>KeHHfl, KOHueccHOHepa, sacxpoHuiHKa,
xexHHiecKoro saKasHHKa.
9.2. no HacxoameMy floroeopy oxsexcxBeHHOCxb CxpaxoBaxejia ncpea COSCXBCHHHKOM
sflaHHa, coopy>KeHHa, KOHueccHonepOM, sacxpoiimHKOM, xexiiHnecKHM saKasiiiKOM,
sacxpaxoBaua B cjiynaax, Koraa BbiuieyKasannbie Jinua BOSMecxnjiH B cooxBexcxBHH c
saKOHO/jaxejibcxBOM POCCHHCKOH OejiepauHH npHiHHCHHbiH BCJieacxane HeaocxaxKOB pa6ox
CxpaxoBaxejm npn ocymecxBJieHHH HMSacxpaxoBaHHofi aeaxejibHOcxH spea H BbinnaxHJiH
KOMHCHcauHio CBepx B03MemeHHa speaa B cooTBexcxBHH co cxaxbeti 60
FpaaocxpoHxejibHoro KoaeKca POCCHHCKOH
10. yCJlOBHH CTPAXOBAHHfl:
11. OBtEKT CTPAXOBAHHJI:
12. CTPAXOBOM CJIYHAH:
10.1. HacxoamHH floroeop saKJUoien H fleflcxeyex B cooxBexcxBHH c
cxpaxosaHHa rpaacaaHCKOH oxBexcxBeimocxH sa npHHHHeHHe speaa
ne^ocxaxKOB cxpOHxejibHbix paSox, pa6ox no noaroxosKe npocKXHOH aoKYMenxauHH H
H3bICKaHH5IM OCAO «HHPOCCXpaX», yXB6p)KfleHHbIMH «17» HK)JIH 2013 IWia
- no xeKcxy DpaeHjia CTpaxosaHHa) (JlnueHSHa OCCH C jYa0928 77 ox 20.07.2010
r.)
10.2. ITpaBHjia cxpaxoBaHHfl npnjiaraioxcs K nacxoameMy florosopy H aejiaioxca ero
HeoxieMjieMOH nacxbio. noflnHCbmaa nacxoaiunM floroBOp, Cxpaxosaxejib no;iTBep>K/iaex,
HXO nojiyiHJi 3XH ripaBHJia cxpaxosaHHa, osnaKOMJieH c HHMH H oGasyexca Bbinojinaxb. B
cjiynae, BCJIH Meatay nojio>KeHH8MH nacxoamero floroaopa H HpaBHiiaMH cxpaxoBanna
HMeioxca pasHorjiacna, xo npeHMymecxBO HMCIOX nojio^ceHHa nacxoamero
11.1. O6-beKxoM cxpaxoBanna aajiaroxca He npoxHBOpenamHe saKonoaaxejibcxBy
POCCHHCKOH <PeaepauHH HMymecxBeHHbie HHxepecbi Cxpaxosaxejia, CBasaHHbie c PHCKOM
BO3HHKHOB6HHM 6FO rpa»flaHCKOH OXBeXCXBBHHOCXH HO o6a3aXCJIbCXBaM BCJieaCXBHe
BosMemeHHa Bpeaa, npHnHHennoro MCHSHH HJIH saopOBbio (JmsHiecKHx JIHU, HMymecxey
(J)H3HH6CKHX H (HJIH) K)pHflHlieCKHX JIHU, rOCy^apCXBCHHOMy H (HJIH) MyHHUHHajIbHOMy
HMymecxsy, OKpy>KaiomeH cpe^e, JKHSHH HJIH aaopoBbio a<HBOXHbix H pacxeHHH, oSieKxaM
Kyjibxypiioro Hacjieana (naiviaxHHKaM Hcxopnn H Kyjibxypw) Hapo^oB POCCHHCKOH
OeaepauHH, H (HJIH) BCJieacxBHe BOSMemeHna y6bixKOB, BOSHHKUIHX y co6cxB6HHHKa
saanna, coopyaceHHa, KOHueccHOHepa, aacxpOHiuHKa, xeximqecKoro 3aKa3HHKa, Koxopue
BO3M6CXHJIH B COOXB6XCXBHH C 33KOHOflaxejIbCXBOM POCCHHCKOH OeflepaUHH npHHHHeHHblH
Bpefl H BbinnaxHJiH KOMnencauHio csepx BOSMemenHa Bpejia B cooxaexcxaHH co cxaxbefi 60
FpaaocxpoHxejibHoro KojieKca POCCHHCKOH Oe/iepaunn, BCJieacxBHe HeaocxaxKOB pa6ox
Cxpaxosaxejia npn ocymecxsneHKH HM SacxpaxosaHHOH jjeaxejibHocxn.
11.2. OGteKTOM cxpaxoBaHHa no nacxoameMy florosopy xaKace aBJiaroxca HMymecxBeHHbie
HHxepecbi Cxpaxosaxejia, CBasaHHbie c HeceHHCM cornacoBaHHbix co CxpaxosmHKOM
pacxojjoa na samnxy, Koxopbie Cxpaxosaxejib nonec HJIH aoji>KeH 6yaex nonecxH B CBasn c
emy xpe6oBaHHH o BOSMemenHH epeaa (y6bixKOB), noxeHunajibHo
BOSMemeHHio no nacxoameMy florosopy H npHHHHeHHoro npH
3acxpaxoBaHHOH ;ieiixejibiiocxH.
11.2.1. Pacxoflbi na sammy B paMKax nacxoamero florosopa BKJiroHaiox pacxoabi na
OKaaanne topH^HHecKOH HOMOIIIH npn BeaeHHH Jien B cy/iax oSmett lopncaHKUHH H
ap6nxpa)KHbix cyaax, BRjuonaa onjiaxy ycjiyr a^BOKaxoB H HHbix nojiHOMO'iHbix
npeacxaBHxejieii, pacxoaw na onjiaxy ycjiyr 3KcnepxoB, a xaK>Ke HHUB pacxojibi,
uejibio samnxw HMyiuecxBeHHbix HHxepecoBCxpaxoBaxejia.
12.1. CxpaxoBbIM cjiyiaeM no HacxoameMy floroaopy aBJiaexca nacxynjieHHe rpa>KaancKOH
oxsexcxBemiocxH CxpaxoBaxejia sa npHHHneuHe apeaa MCHSHH H (HJIH) siiopOBbio
(})H3HHeCKHX JIHU, HMymCCXBy <J)H3HHeCKHX H (HJIH) tOpHflHTCCKHX JIHU,
HJIH MyHHunnajibHOMy HMymecxsy, OKpyacaroiueH cpejje, >KHSHH HJIH 3;iopOBbio
H pacxeHHH, oSieKxaM Kyjibxypnoro nacjieaiia (naMaxHHKaM ncxopHH H Kyjibxypu) napoaoB
POCCHHCKOH <I>eaepauHH, H (HJIH) 3a npHHHHeHHe y6bixKOB, BOSHHKIIIHX y co6cxB6HHHKa
saanna, coopy>KeHHa, KOHueccHOHepa, sacxpoiiiuHKa, xexunnecKoro saKasHHKa, Koxopbie
B03M6CXHJIH B COOXBCXCXBHH C SaKOHOjaXCJIbCXBOM POCCHHCKOH <t>eflepaUHH npHHHHBHHblH
spea H BbinjiaxHJiH KOMnencauHio csepx BOSMemenna speaa B cooxsexcxBHH co cxaxbeK 60
FpaflocxpoHxejibHoro KoaeKca POCCHHCKOH OeaepauHH, BCJieacxBHe neaocxaxKOB
CxpaxoBaxena, npn ocymecTBJieHHH 3acxpaxosaHHOH aeaxejibHocxn, c
n.n. 4.7., 4.8.2. FIpaBHJi cxpaxosaHHa.
CrpaxoBaTejib

3. MHrOCCTPAX
OpH 3TOM MOMBHTOM HacxynjiCHHii cxpaxoBoro cjiynaa cniixaexca MOMCHT BpeMeiiH,
6bIJI npHHHHBH Bpea TpBXbHM JIHUaM.
13. 3ACTPAXOBAHHAH
flEJITEJIbHOCTb:
12.2. CxpaxoBbiM cnynaeM no HacxoameMy JI,oroBOpy xaK»ce aBjiaexca
y6biTKOB B BH^e corjiacoBaHHwx co CxpaxoBiuHKOM pacxoaoB na 3amnxy, Koxopbie
CxpaxoBaxent nponsBeji HJIH aojDKen 6yaex npOHSsecxH coraacHO BticxaBJieHHbiM cnexaM B
CBHSH c sasBJieHHBM eMy xpe6oBaHHH o BosMemeHHH epeaa, noxenuHajibHo no^ne>Kamero
BOSMemeHHK) no nacxoameMy floroBopy H npHHHHCHHoro npn ocymecxBiieHHH
3acxpaxoBaHHoii
13.1. CjieflyromHe BH^W pa6ox, na Koxopbie CxpaxosaxeneM 6biji nojiyneH ^onycK CPO,
HJienoM KoxopoK sBJisexca CxpaxoBaxenb:
3. ScMjiHHwe paSoTbi
3.1. MexaHHSHposaHnaa paapaSoxKa rpynxa
10. MOHTaiK MerajIJIHHCCKHX KOHCTpyKUHM
10.1. MoHxax, ycHJienHe H aeMOHxaac KOHCxpyKXHBHbix ajieivieHxoB H orpa»aaiomHX
KOHCxpyKUHti 3/ianHH H coopy»ceHHM
10.3. MoHxaac, ycnneHHe HfleMOHxa>KpesepsyapHbix KoecxpyKUHH
10.5. MoHxaac, ycHJienwe H fleMonxa)K xexnonorHHecKHX KOHCXP>'KUHH
10.6. Monxa>K H fleMOHxaHc xpocosbix HecymHX KOHCxpyKUHii (pacxaacKH, Banxosbie
KOHCXpyKUHH H npOHHe)
12. SamHTa CTPOHTCJII>HMX KOHcrpyKUHii, rpy6onpOBOAOB H (»OopyaoBannsi (KPOMC
MarucTpajibHbix H npOMbicjiosux rpySonpoBOAOB)
12.3. BauiHXHoe noKpbixHe naKoicpacoifHi>iMM MaxepnajiaMH
12.5. YCXpOHCXBO OKJieeHHOH H3OJMUHH
12.1 1. PaSoxw no xennoHsonauHH xpySonpOBOfloe
15. VCTpOHCTBO BIiyTpeHHHX HHJKCHepHblX CHCTCM H ()6opyflOBaHHfl SflUHHH H
coopy/KeiiHH
15.1. YcxpoficxBo H aeMOHxa^ cHcxeMbi BOflonpoBoaa H KanajiHsauHH
15.2. YcXpOHCXBO HflCMOHXa>KCHCXeMbI OXOnjieHHM
15.4. YcxpoftcxBO H aeMOHxa>K CHCXCMM BeHxmisuHH H KOHHHUHOHHpoBaHH» Bosayxa <*>
15.5. YCXpOHCXBO CHCX6MW 3JI6KXpOCHa6>KeHHiI
15.6. YcxpoticxBO 3JieKxpnnecKHX H HHbix cexcii ynpaBJieHHS
>KH3Heo6ecneHeHHa s^aHHti H coopyaceHHH
16. ycrpoflcTBo napyncHbix cereft
16.1. YKna^Ka xpyGonpOBoaoB
16.2. MoHxaw HaeMOHxaac sanopnoK apMaxypw H oGopy/ioBainw Bo;ionpOBo;un»ix cexett
16.3. YcxpoHcxBo BoaonpoBoanbix KonoaueB, OFOJIOBKOB, racHxeneH Boaoc6opOB
16.4. OnncxKa nonocxH H Hcnbixamie xpy6onpOBOflOB Boaonposoaa
17. ycxpoJicTBO iiapysKHbix cereii KaHajiiisaunH
17.1. YKjiaaKa xpy6onpoBoaoB KaHanHsauHOHHbix GesnanopHbix
17.2. YKJiaflKa xpy6onposoaoB KananHsauHOHKbix HanopHbix
17.3. MoHxaac H fleMoexaac sanopnoM apMaxypbi H o6opyaoBanna KaHaiiHsauHOHHbix cexefi
17.4. YCXPOHCXBO KaHajIHSaUHOHHblX H BO4OCXOHHbIX
17.7. OnHcxKa nonocxH H HcnwxaHHe xpySonpoBoaos
20. YcrpOHCTBO napyjKHbix aaeicrpHHecKHX cerei) H JIHHHH
20.1. YcxpoficTBo cexeH 3JieKxpocHa6>KeHH» nanpaacenHeM no 1 KB BKjiioHHxejibHO <*>
20.12. YcxaiiOBKa pacnpeaennxenbHbix ycxpoficxB, KOMMyxaiiHOHHoB annapaxypu,
ycxpoKcxB saujHXbi
23. MoHTamibie paGoru
23.5. Monxaac KOMnpeccopHbix ycxanoBOK, Hacocos H aeHXHiiaxopoB
23.6. MoHxaac 3jieKxpoxexnnHecKHX ycxaHOBOK, o6opyaoBaHHs, CHCXCM asxoMaxHKH H
H OHHCXHMX
23.31. Monxaac o6opyaoB3HHa npeflnpnaxHtt Gbixosoro oocjiyatHBaHHS H KOMMyHajibnoro
XOSflHCXBa
23.32. MoHxaac BOfl03a6opHoro o6opyaoBanns, KanajiHsaiiHOHHbix
coopy»ceHHH
24. nycKoiiajiaao'iiibie paSoru
24.1. riycKOHajianoHHbie pa6oxu nojueMHO-xpancnopxHoro o6opyaoBaHHa
24.2. riycKOHajiaaoHHbie paSoxw jin(J>xoB
24.3. nycKonajiaflOHHbie paGoxbi cHHxponHbix reHepaxopOB H CHCXCM
24.4. FlycKOHajiaAOHHbie paSoxu CHJioabix H HSMepnxejibHbix xpaHciJtopiviaxopoB
24.5. riycKOHajiaaoHHbie pa6oxbi KOMMyxauHonnwx annapaxoB
24.6. IlycKOHaJiaflOHHbie pa6oxu ycxpoflcxB peneHHoH sauinxbi
24.7. IlycKOHajiaflOHHbie pa6oxw aaxoMaxHKH B3JieKxpocHa6aceHHH
CxpaxoBaTejib CjpaxotmHK

4. MHTOCCTPAX
14. HCKJHOHEHHH:
15. TEPPHTOPHfl CTPAXOBAHHfl:
16. PA3MEP CTPAXOBOH
BbiriJIATbl:
24.8. ITycKOHajiaaoHHbie paSoxu CHCXBM nanpajKenna H onepaxnBHoro TOKa
24.9. nycKOHanaaoHHbie pa6oxu 3JieKxpHHecKHX MBIUHH H sjieKxponpHBoaoB
24.10. riycKOHajiaaoHHbie paSoxbi CHCTBM aBTOMaTHKH, cnrHajiH3aunn H BsaHMOCBasannbtx
ycxpoBcxB
24.1 1. IlycKOHajiaaoHHbie paSoxbi aBxoHOMnofi HaJiaaKH CHCTCM
24.12. riycKonajiaaoHHbie pa6oTbi KOMnjieKCHOH HaaaaKH CHCXCM
24.13. ITyCKOHajiaaoHHbie pa6oTbi cpeacxs xeJieMexannKH
24.14. HajiaaKH CHCXCM BeHXHJiauHH H KonanuHOHnpOBaHHa sosayxa
24.15. nycKonajiaaoHHbie pa6oxbi aExoMaxniecKHX cxanoHHbix JIHHHH
24.16. riyCKOHajiaaoHHbie paOoxbi cxaHKOB Mexanjiope>KymHx MHorouejiesbix c HI'IY
24.18. riycKOHajiaaoHHbie paSoxu xojioaHJibHbix ycxanoBOK
24.19. nycKOHajiaaoHHbie pa6oxi>i KOMnpeccopnux ycxanoBOK
24.21. nycKOHanaaoHHbie paSoxti Bo^orpeHHux xennofjiMKaqHoiinbix KOXJIOB
24.22. nycKOHanaaoHHbie pa6oxti KOxejibHO-scnoMoraxejibHoro oGopyflosaHHa
24.23. IlycKOHajiaflOHHbie pa6oxbi o6opy^oBaHHa BOfloonHcxKH H o6opy/ioBanHH
XHMBojjonoaroxoBKH
24.26. nycKOHajiaaoHHbie pa6oxw oSmeKOxejibHux CHCXCM HHH^enepHbix
24.29. nycKOHajiaaoHHbie pa6oxbi coopy>KeHHH
24.30. nycKOHajiaaoHHbie paQoxbi coopy>KeHHH
25. ycrpoftcTBO aBTOMoSifjibHbix aopor H
25.6. VcxpoficxBO apena>KHbix, eoaoc6opHbix, Bo;ionponycKHtix, BoaocSpocHWX ycxpoticxB
13.2. TaK*e no nacxoameMy florosopy sacxpaxosaHa oxBexcxseHHOcxb Cxpaxosaxejia npn
ocymecxBueHHH HHHX snaoB crpoHxeiitHbix pa6ox, na Koxopwe HM BLIHH nojiyneHbi B
ycxaHOBneHHOM nopaflice aonycKH CPO, HJICHOM Koxopoii SBJIHCXCJI Cxpaxoaaxenb, ao aaxw
saKjiiOHeHHfl nacxoflmero /Jorosopa. Hpn 3xoM cxpaxoBaa samnxa no nacxoameMy
/JoroBopy pacnpocxpansexca Ha cjiynan npHHHHenHJi Bpeaa, HMesmHe MCCXO B
cxpaxoBanna, B pesyjibxaxe ocymecxBJieHna pa6ox, yKaaaHHbix B panee
CPO, npn ycjioanH, HXO ne^ocxaxoK pa6ox 6bm aonymen B nepnofl
xaKHx ^onycKOB CPO.
13.3. CxpaxoBaa 3amnxa no nacxoameMy florosopy ne pacnpocxpaH»excs na
npninneHHa speaa, cxaBiime cue^cxBHeM ocymecxsjieiiHH CxpaxosaxeiieM pa6ox. He
yKasannbix B nacxoameM pas^ene, a xaioKe ana ocymecxBJienHa Koxopux He xpe6yexca
nojiynenHe aonycKa CPO.
14.1. B COOXB6XCTBHH CpaSflCJlOM 5 FIpaBHJI CXpaXOBaHHH.
15.1. PoccHHCKas
16.1. PasMep cxpaxoBon Bbinnaxw no nacxoameMy floroBOpy BKinonaex Bce6a:
16.1.1. B03Memenne Bpeaa, npHHHHeHnoro SCHSHH HJIH saoposbio (JinsHHecKHX JIHU,
onpeaeneHHoro B cooxBexcxBHn c aaKOHoaaxeubCXBOM POCCHHCKOH OeaepanHH, a xaK»e
BOSMemenne KOMnencaunH CBepx npnHHHeHHa speaa B pa3Mepc H nopa^Ke,
npeaycMoxpennoM cxaxbefl 60 FpaaocxpOHxejibnoro KoaeKca PO;
16.1.2. BosMemenne peajibuoro ymep6a, BOSHHKmero B pesyjibxaxe noBpe^aenna. HOJIHOH
HJIH KOHCxpyKXHBHOH rn6ejiH HMymecxsa (Bemen) Tpexbnx JIHU, Koxopoe BKJiioKaex:
- aeHcxBHxejibHyK) cxoiiMocxb norn6mero HMymecxsa HE aenb npHnnnenHH speaa sa
BbinexoM CXOHMOCXH ocxaxKOB, npnrxwHbix ana aajibneninero ncnojibsosaHHa - B cnynae
nojinon rnGejiH (yxpaxu) HMytuecxsa;
- pacxoau no peMonxy (BoccxaHOBjienmo) noBpe>K/ieiinoro HMymecxsa. B pacxoau no
peMonxy (BOCcxanoBJienHro) BRjHonaroxca neo6xoaHMbie n uenecoo6pa3Hbie saxpaxu na
npHoSpexenne MaxepwajiOB, aanacnux nacxeii H onjraxa pa6ox no peMOnxy
(BoccxanoBJieHHio) - npn noBpeacaeHHH HMymecxsa;
- pacxoau no yrnjinsauHH nornGuiero HMymccxBa, BCJIH yxmiH3au.ua aojiiKua 6bixb
npOHSBeaena BcooxsexcxBHH c xpeSoBannaMH saKOHoaaxenbcxsa POCCHHCKOH Oeaepaunn -
B npeaejiax 10% ox aeficxBHxejibHOH CXOHMOCXH HMyiuecxea naaeub npnHHHCHHa spe/ja;
16.1.3. Bpea OKpyacawiueH cpeae, Koxoputt onpeaeJiaexca B cooxsexcxsHH c
yxsepacaenHbiMH B ycxanoBjieHHOM saKOuoaaxejibCXBOM POCCHHCKOM fteaepauHH nopaaKe
xaKcaMH H MexoaHKaMH HCHHcneHHs pasMepa Bpeaa OKpya<aioiueH cpeae, a upn HX
oxcyxcxsHH - ncxoaa us (J>aKXHHecKHx saxpax na BOCcxanoBJieune uapyuienHoro cocxoanna
OKpy»aK)meH cpeau, c ynexoM nonecennbix y6bixKOB, pasMep Koxopbix onpe^ejiaexca
cyaoM, oanaKO HCKJironaa ynymenHyio Btiroay;
16.1.4. VGbixKH (pacxoaw), npHHHHennbie (BOSKHKUIHC) co6cxB6HHHKy saanna,
coopy3Kenna, KonueccHOHepy, sacxpoftiuHKy, xcxunnecKOMy saKasnnKy, B pasMepe
BOSMeiuennoro HMH B COOXBBXCXBHH c saKonoaaxejibcxBOM POCCHHCKOH
npnHHHeHHoro speaa H BbinjiaMCHHOH KOMneHcaunu csepx BOSMeiumna Bpeaa B
cooxBexcxBHH co cxaxbefi 60 FpaaocxpoHxejibHoro KoaeKca
CrpaxoBaiejib CxpaxljBiUHK

5. MHrOCCTPAX
17. OPABA H OBH3AHHOCTH
CTOPOH:
18. B3AHMO^EHCTBHE CTOPOH
DPH HACTVnjIEHHH
CTPAXOBOFO CJIVMAfl.
Pa3Mep ySbixKOB onpe,nejiaexca B COOXBCXCXBHH c nojio*eHH«MH n.10.2.4.1
cxpaxosaHHa;
16.1.5. Pacxoau Cxpaxosaxejia, npoHSBeaennbic Bqejiax yMeHbiiienHa y6bixKOB, ecnnxaKHe
SbiJiH npoHSBejjenbi zuia BbinojinenHa yKasaHHfi CxpaxosmHica, xanne pacxo;n>i
6bIXb BOSMeiUCHbl CxpaXOBIUHKOM, JKCX& 6CJIH COOXBBXCXByiOmHe MCpbl OKaSajlHCb
GesycneuiHbiMH;
16.1.6. CorjxacosaHHbie co CxpaxoBmHKOM pacxojxw Cxpaxosaxena na samnxy, pasMep H
nopa^OK Bbinjiaxbi Koxopux onpeaejiaexcs B COOXBCTCXBHH c n.10.2.11 FlpaBHJi
cxpaxosaHHa.
16.2. B cjryiae, Koraa c iipe;iBapHxejibHoro nHCbMennoro coraacHa CxpaxoaiuHKa H B
cornacoaaHHOM co CxpaxoBmHKOM pasMepe HUHno cyae6HOMy pemenHio Cxpaxosaxejib
caMocxoaxenbHO KOMneHCHposaji npHHHHeHHbifl apea, CxpaxosujHK oSasan BbinnaxHXb
cxpaxoBoe BOSMemeHHe Cxpaxosaxejiro nocne npeflocxaBJieHHH nocneanHM, BaononneHHeK
HHHM Heo6xoaHMbiM flOKyMeHxain, aoKyMCHxanbHoro noAXBepTOCHHs o Bbiniiaxe
BbiroflonpHo6pexaxenio BOSMeiuenHs H ero pasMepe.
16.3. B cjiynae, Kor^a cne^yiOLUHe jinua:
a) caMoperyjinpyeMas opraHHsauHH, CCJIH Cxpaxoaaxejib Ha MOMCHT BbinonneHHa pa6ox
HMCJI CBH^exenbcxBO o ^onycKe K xaKHM pa6oxaM, BbmaHHoe 3xoM caMOpcryjinpyeMOH
opraHHsauHefi (HauHonajibHoe o6i>eflHHeHHe caMOperyjinpyeMbix opranHsaqHH
cooxBexcxByromero BH^a B cjiynae HCKjiio'ieHHH CBeaeiiHii 06 :TFOH caMopei'yjiHpyeMOH
opraHHsauHH HS rocyaapcTBeHHoro peecxpa caMoperynnpycMbix opraHHsauHH B npeaenax
cpeacxB KOMneHcauHOHHoro (Jtonaa 3xofl caMoperyjinpyeMOH opraHHsauHH, saHHCJiennbix
na CHCX xaKoro HauHonanbHoro o6rbeflHH6Hna);
6) PoccHHCKaa Oeflepaqna HUH cy6i.eKx POCCHHCKOH <t>eflepauHH, BCJIH Bpeji npHHHHen B
peayjibxaxe HecooxsexcxBHa nocxpoeHHOro, peKoncxpynpoBaHnoro o6T>eKxa KanHxaiibHoro
cxpoHxenbcxBa H (HJIH) pa6ox, BbinonHeHHbix B npouecce cxponxenbcxBa. peKOHCxpyKUHH
o6'beKxa KannxaJibHoro cxponxejibcxBa, xpe6oBanH«M xexHH'iecKHX peniaMeirroB H (HJIH)
npoeKXHOH aoKyMCHxauHH H HMeexca nojioacHxejibnoe aaKjuoHenne opraea
rocyaapcxBCHHoro cxpOHxeJTbnoro na^sopa;
BOSMecxHJiH Bpefl, npHHHHeHHbitt xpexbHM J1HU.3M B pesyjibxaxe ne/iocxaxKOB paSox
Cxpaxoaaxejifl npn ocymecxajrenHH SacxpaxoBaHHoii aesxeJibnocxH, H (HJIH)
KOMneHCHposajiH no npeflT>aBJieHHbiM K HHM perpeccnuM xpe6oBaHH»M o BOSMemenHH
y6bixKOB, npHHHHCHHbix TpexbHM jiHuaM, Koxopwe HMerox npaso o6paxnoro xpe6oBanHa B
COOXBCXCXBHH c saKOHoaaxejibcxBOM POCCHHCKOH (DeacpauHH K CxpaxoBaxejiio HJIH
BbimeyKasaHHbiM jraqaivi, xo CxpaxoBiUHK o6»3aH Bbinjiaxnxb cxpaxosoe BOSMemenne
yKasanHOMy Bn.n. a - 6 nacxoamero nyHKxa jinuy BXOMpasMepe, BKoxopoM Cxpaxosaxcjib
necex oxBexcxBCHHOCXb nepefl yKasannbiMH Bbiuie jinuaMH B paMKax coJTH^apHOH
oxBexcTBCHHOcxH, nocjie npeaocxaBJienHa nocjie;mHM, B jaonoJinenHe K HHWM
neo6xoaHMbiM flOKyMenxaivi, flOKyMenxajibnoro noaxBcp>KfleHH5i o Bbiruiaxe
BbiroflonpHo6pexaxejiio BOSMemennfl H ero pasMepe.
16.4. BwroaonpHo6pexaxenb HJIH HHMC Jinua, Koxopue, ioryx ssjiaxbca nonyHaxejiflMH
cxpaxoBoro BOSMemeHHa no nacxosmeMy JJoroBopy, anpaee npefliaBHXb nenocpeacxBenHO
CxpaxoBiHHKy xpeSoBanne o BOSMeineHHH spe/ia (ySbixKOB) B npeaejiax cxpaxoBoti cyMMbi.
B 3TOM cjiynae na JIHUB, npeflMBHsmeM xpeSosaHHe o BOSMemenHH spe^a (y6bixKOB), ecjiH
OH HaMepen BocnojibsoBaxbca CBOHM npasoM na nojiy^eHHe cxpaxoaoro BO3MemeHH»,
jieacax see oGasaHHOcxn no HH<J>opMHpoBanHK) CxpaxoBmHKa H npeaocxaajieHHio eiy Bcex
neo6xoaHMbix aoKyMCHXOB jjjia Bbinjiaxbi cxpaxoBoro BOSMeiueHHa, yKaaannbix B
nacxoameM florosope.
16.5. CxpaxoBiUHK nponSBoziHX cxpaxosyro Bbinnaxy B nopa^Ke, npcaycMoxpenHOM
RpasHjiaMH cxpaxoBaHHa, B xeneHne 10 (flecaxn) pa6onHX c aaxu noflnHcanna axxa o
cxpaxoBOM cjiyiae.
17.1. FIpaBa H oGasannocxH Cxpaxosaxejia H CxpaxoBiiiHKa yKasanbi B IlpaBHJiax
cxpaxosaHHs.
18.1. ITpH nacxynjieHHH co6bixna, Koxopoe MOMCCT nocjiy>KHXb ociiOBanHCM ^Jia
HMymecxBeHHoH npexeHSHH HJIH HCKOBOFO xpcGoBanna no (Jiaicxy
speaa, Jin6o B cjiynae npeaiaBJienna xaKott HMymecxBennoH npexensHH
(HCKOBOFO xpe6oBanHs) CxpaxoBaxejib:
18.1.1. HesaMeaJiHxejibno, no B jiioSoM cnynae ne nosaeee 5 (naxn) pa6oliHx ^Heii (HJIH B
HHOH npe^ycMoxpeHHUH florosopoM cxpaxoBanna cpoK) c MOMenxa, KOivia CxpaxoBaxejiio
cxajio 06 SXOM H3B6CXHO, H3Bemaex o npoHsouieameM coGbixHH CxpaxoBIUHKa HJIH ero
ynojiHOMoneHHoro npeacxaBHxejia jjocxynnbiM eniy cnoco6oM, nossojiaiouuHM o6i>eKXHBHO
sa<J)HKCHpoBaxb (JiaKx coo6menHa:
- 060 Bcex flonymeHHbix neaocxaxKax pa6ox, Koxopwe ioryx npHBecxn K HacxynenHio
cxpaxoBoro cnynaa;
Crpaxi

6. MHrQcCTPAX
- 060 acex cjiynaax npHHHHeHHa speaa, oxBexcxueiinocxb no BOSMemenHio Koxoporo
3acxpaxoBana no aoroaopy cxpaxoBanna;
- 060 BCCX xpeSoBamwix o BosruemenHH speaa (HCKax, npexensnax, perpeccHbix
xpeGoBannax), saasjiennbix Cxpaxosaxejiio Bcsasn c npHHHHenneM speaa, oxBexcxBennocxb
no KOTOpoMy sacxpaxoBana no aorosopy cxpaxoBanwa.
B npeaejiax HSBecxHbix Cxpaxosaxejiro cBeaeHHH HsaemeHHe aojmiio coaep>Kaxi>:
(a) onHcamie co6bixHa, Koropoe npHBejio HJIH, no MHeHHio CxpaxoBaxejia, MO>KCX npHBecxH
K npHHHHCHHio Bpeaa TpetbHM jiHuaM H/HjiH OKpyHcaromeii cpeae;
(6) onHcanne xapaKxepa Hpa3tepa npHiHuennoro speaa;
(B) HaHMeHOBanna (HMena) H aapeca scex nwn, npHHacxHi>ix KcoGbixnio, Koxopoe npHBejioK
(r) naHMCHOBaHHa (wMena) H aapeca JIHU,, npefliJiBHBUjHX npexeH3HK> (HCKOBOC xpe6oB3HHe,
perpeccnoe xpe6oBaHHe);
18.1.2. npHHHMaex see BOSMOWHUC H uejrecoo6pa3Hbie Mepw no npeaoxspameHHio HJIH
pasiviepa Bpeaa H no ycxpaneHHio npninH, cnoco6cxByiomHX ero
18.1.3. B XOH Mepe, B Koxopott 3x0 aocxynno CxpaxoBaxejiio. oGecneiHaacx ynacxnc
CxpaxoBujHKa B ocMoxpe noapeiKaeHHoro HMymecxsa H ycxaHOBJieHHH pasMepa
npHHHHCHHOro Bpe^a;
18.1.4. OKaabisaex see BO3MO*Hoe coaeKcxBHe CxpaxoBmHKy B cyaeSnoR H BHecyaeGnofl
samHxe B cnynae npe^taBJienHs xpe6oBanHH o BOSMemenHH ape^a no npeanonaraeMbiM
cxpaxoBbiM cjiynaaM;
18.1.5. no nHCbMBHHOMy sanpocy CxpaxosiuHKa npeflocxaBiraex eiy BCIO flocxynnyio eiy
HH(}>opMan.HK> H aoKyMenxauHio, nosBonaiomyio cy^nxb o npHHHnax, xoae H
cxpaxoBoro cnynaa, xapaxxepe HpaaMepe npHHHHCHHoro ape^a;
18.1.6. B cjiynae, ecjin CxpaxosuiHK conxex Heo6xoflHMbi naanaHeHHe ceoero
HJIH HHoro ynojiHOMOMennoro Jinna aJTfl samnxbi HHxepecos KBK CxpaxoBujHKa, xaK H
CxpaxoBaxena B CBSSH c npeanojiaraeMtiM cxpaxosbiM CJiynaeM - Bbraaex flOBepennocxb
HJIH HHbie neo6xoaHMbie flOKyMenxbi an» samnxbi XBKHX Hirrepecos yKasamibiM
CxpaxoBmHKOM jiHuaM. CxpaxosuuHK HMeex npaso, HO HB o6a3an npeztcxaBJiaxb HHxepecbi
CxpaxosaxejiH B cyae HJIH HHbiM o6pa3OM ocymecxsjisixb npasoByio saiunxy CxpaxoBaxejia B
CBasH c npeanouaraeMbiM cxpaxoBbiM cjiynaeM;
18.1.7. B cjiynae, CCJIH y Cxpaxosaxejia HOSBHXCS BOSMoacnocxb xpe6oaaxb npeKpaiueHHM
HJIH coKpameHHa pasMepa perynapHbix Bbinnax BosMemeHHH (peiixw), on .nojDKen nocxaBHXb
CxpaxoBiiiHKa B HSBecraocxb 06 3XOM H npHHaxb BCC flocxynnbie Mepw no iipeKpamenHio
HJIH coKpamenHK) pasMepa xaxnx Bbinnax.
18.2. Ilpn nojiyneHHH ox CxpaxoBaxejiH yBeflOMJienna o coGbixnax, yKasannwx B n. 18.1.1.
nacxoamero florosopa, CxpaxosinHK:
18.2.1. B cjiynae, CCJIH CxpaxoaiuHK HaMepen Bocnojibsosaxbca CBOHM npasoM no ynacxnio
B ocMoxpe riOBpe>KjienHoro HMyujecxBa (ocxaxKOB nornSuiero HMymecxsa) xpexbnx JIHU, - B
xeneHHe 3 (xpex) pa6onnx anen c MOMenxa nojiyneHHa yBeaoMJieHHa o npHMHneHHH speaa
(HJIH HHOH oroBopennbiH aorosopOM cxpaxosanHsi cpoK) Hssemaex CxpaxoBaxejis o
naMepeHHH ynacxBOBaxb B ocMoxpe, a B aajibneHiiieM - Hanpasjisex CBOCFO npeacxaBHxena
ana ocivioxpa H cocxaajieHH» aKxa o npHiHtrem™ speaa B corjiacoBannbie c CxpaxoBaxeneM
M6CXO H BpeMS.
18.2.2. B xenenHe 10 (aecaxii) pa6oHHx anefl c MOMenxa nojiynenHH yseaoMjienHa o
npHHHHCHHH spejia nanpaejiaex CxpaxosaxejiK) nHCbMennbin sanpoc c nepeMiieM
/lOKyMenxoB, Heo6xoaHMbix aJia yperyjiKposanHa cxpaxosoro cjiynaa. HanpaBJienne
nepenna aoKyMenxoB ne jinmaex CxpaxoBiUHKa npasa, B cjiyHae neo6xoaHMOcxH,
aanpauiHBaxb y CxpaxosaxejiH aonojiHHxejibnwe aoKyMCHTbi H HH(J>opMauHio 06
o6cxosxejibcxBax, npHHHHax HpaaMepe npHHHHennoro speaa.
18.3. HacxoamHM floroBopoM npeaycMoxpen cjieayromHH nopaaoK yperyjinpOBaiiHa
cxpaxosoro cjiynaa:
18.3.1. Ilpn oxcyrcxBHH cnopa Meacay CxpaxosmMKOM, CxpaxosaxejieM H
BbiroaonpnoGpexaxejieM (HHHM nojiynaxejieM cxpaxosoro BosMeinenna. npe;iycMoxpennbiM
nacxoauiHM florosopOM) o XOM, HMBJI JIH Mecxo cxpaxoBoti cjiynaM, o paaMepe no^jiOKamero
BOSMeinenHK) Bpeaa (y6bixKOs), HajiHHHa y BwroaonpHo6pexaxejia (HHOFO nonynaxejia
cxpaxoBoro BOSMeinenna, npeaycMoxpennoro nacxoaiuHM florosopoM) npaaa Ha nojiynenHe
BOSMemeHHa npHHHneHHoro speaa (y6biXKOs) H oSasannocxn Cxpaxosaxejia ero
BOSMBCXHTb, npHHHHHOH CB33H M6>K4y aOnyiU6HHbIM HCAOCXaXKOM pa6oX H npHHHH6HHbIM
speaoM (yGbixKaMH), cxpaxoBOH cjiynaii MWKBX Sbixb yperyjinposaH BO BnecyaeSnoM
B 3XOM cjiynae KBajiHfJjHKanna cxpaxoBoro cjiynaa H onpeaejienne pa3iepa cxpaxoBofi
Bbinjiaxbi npoHSBoanxca CxpaxosiuHKOM na ocnoBanHH aoKyMenxos, noaxBep>Kaai6iUHX
oGcxoaxejibcxsa H nociieacxBHa npniHaeHHa apeaa, a xaKKe
y6biXKOB. TBKHMH aoKyinenxaMH, B lacxnocxn, aBJiaioxca:
Crpaj^oBmHK v

7. MHIXfcCTPAX
npexeH3na K CxpaxoBaxenio c Tpe6oBaHH6M o BO3MemennH npnliHHCHHoro
speaa Jin6o perpeccHoe xpe6oBaHHe;
- BHyxpeHHHH aKX paccjieflOsanHfl CxpaxoBaxejia B oxHomenHH oScxoaxe/ibcxB H npiiHHH
npHHHHeHHa speaa;
- aoKyMenxbi npaBooxpaHHxentHux H cneu.najibHbix opraiiOB iiaasopa H Konxpojia B
o6nacxn rpaaocxpoHxejibnoM aeaxenbHocxn, HcnojiHHxenbHbix opraHOB caMoperyjmpyeMbix
opraHimnHii B oxnomeHHH neaocxaxKOB npw BbinojiHeHHH pa6ox, Koxopbie MOHIH aBHXbca
npHHHHOH B03HHKHOB6HHa COSblXHS, npHBeflllierO K npHHHHBHHK) Bpeaa, a X3K5KC B
oxHomeHHH pasMepa npHHHHeHHoro speaa;
- saKJiioneHHfl H pacnexw opranoB HesaBHCHMoH 3KcnepxH3w u oxiiouieiiHH BOSMOJKHMX
neaocxaxKOB npn npoBaneHHH pa6ox, Koxopue iornH asHXbcsi npHMHHoii B03HHKHOBeHH«
co6bixHa, npHBe^mero KnpHHHHenmo speaa;
- 3KOHOMH4ecKne H 6yxraJixepcKHe Maxepna/ibi H pacnexw, cMexHbie pacnexbi, cnexa u
KBHX3HUHH, Ha OCHOB3HHH KOXOpblX OnpeaeJICH pa3M6p npHHHHeHHOFO BpCJia H p33M6p
pacxoaoB, nofljie^KaiuHx BoaMemenmo no aoroBopy cxpaxosaHHa;
aoKyMCHXbi, noflXBepwaaroiuHe HaiiHHHe HeaocxaxKOB pa6ox, BbinonneHHbix
CxpaxoBaxejieM, a xaK»e cooxBexcTByK)mHe aoKyivieHXbi (CBHaexeubcxso o aonycKe K
pa6oxaM, BbmaHHoe CPO, HJIBHOM Koxoporo «BJiaexcH CxpaxoBaxenb, aoroBopu noapsaa u
BbinoJiHCHHbix pa6ox K HHM u x.n.), na oceoBaHHH Koxopbix Cxpaxosaxejib
pa6oxw;
no^xBepMcaaiomHe npiiHHHeHHe xfl3KKoro HJIH cpeanero speaa 3/iopOBbio
noxepneBiiiHx;
KyMeexbi, noaxsep>KaaK)inHe BO3Memenne TpexbHM JIHUOM npHHHHCHHoro
H Bbinnaxy KOMnencauHH csepx npHHHHCHHa apcaa B COOXBCXCXBHH co cxaxbeti 60
FpaaocxpOHxejibHoro KoaeKca POCCHHCKOM Oeaepaumi. CxpaxosmHK anpase
caMocxoaxejibHO Bbiaciiaxb npmHHbi H o6cxosxenbcxBa cxpaxosoro cjiylia)i, a
npHB^exaxb HesasHCHMbix 3KcnepxoB ana onpeaejienHJi npHHHH, xapaKxepa
speaa Hero paamepa.
18.3.2. PesyjibxaxoM BnecyaeGHoro yperyjinpoBaHHH crpaxoBoro cnynaa saiiaexca
comaiiieHHe 06 ycxaHOBJieHHH (JiaKxa cxpaxcmoro cnynas H onpeaeneHHH pasMepa speaa
(y6bixKOB), noanHcaHHoe CxpaxoBiuHKOM, CxpaxoBaxejieM H BbiroaonpnoSpexaxeJieM
(HHHM nojiynaxeneM cxpaxoBoro BO3MemeHH«, npeaycMOxpennwM nacxoamnM
18.3.3. Ilpn najiHHHH cnopa 06 oGcxoaxenbcxBax, nepeMHcneHHbix B n. 18.3.1. Hacxoaujcro
floroBopa, Jin6o B cnynaax, Koraa nocxpaaaBiuee JIHUO o6paxHJiocb nenocpeacxBCHHO B cya
c HCKOM o BosMemenHH Bpeaa, cxpaxoBOH cjiynaft noaxaepacaaexca BcxynHBuiHM B
saKOHHyio CHJiy peiiienHeM cyaa (apOHXpaacnoro cyaa). jiH0o saKJironeHHUM c rmcbMeHHoro
corjiacna CxpaxoBiiiHKa H yxBepiKaeHHbiM cyaoM (ap6nxpa>KHbiM cyaoM) inpoBbrM
corjiaineiiHeM, noaxBep^iyiaiomHM nacxynjieHHe oxsexcxBeHHOcxH CxpaxoBaxena nepea
BbiroaonpHoSpexaxeneM (HHHM nojiynaxeneM cxpaxosoro BOSMemenna, npeaycMoxpennwM
- aa spea, npHHHHeHHbiH B pesyubxaxe HeaocxaxKos pa6ox, ynasanHbix B aoroaope
cxpaxosaHHa, HpasMep noane»amero BosMemeHHK) speaa;
- sa y6bixKH, BOSHHKtuHe y co6cxBeHHHica saanna, coopyaceHHa, KonueccHOHepa,
SaCXpOHLUHKa, XeXHHHCCKOrO 33Ka3HHKa, KOXOpbie BOSMeCXHJIH B COOXBeXCXBHH C
saKOHoaaxejibcxBOM POCCHHCKOH OeaepauHH npnHHHeHHbifi spea H BbiruiaxHjiH
KOMnencanHK) csepx BOSMemeHna apeaa B COOXBCXCXBHH co cxaxbeti 60
FpaaocxponxejibHoro KoaeKca POCCHHCKOH OeaepauHH, H pasMep noane>KamHX
BOSMCIHeHHW ySblTKOB.
18.4. Ilpn o6pameHHn sa cxpaxosofi BbiiuiaxoH CxpaxosiuHKy aoji>KHbi 6bixi.
npeaocxasjieHbi caeayromHe aoKyMenxw:
18.4.1. DHCbMennoe saasjieuHe Ha Bbinaaxy;
18.4.2. Koniia BCxynHBiiiero B saKOHHyio cniiy peuieHHa cyaa (ap6Hxpa>KHoro cyaa),
yKasaHHOro B n. 18.3.3. Hacxoaiqero /JoroBopa, c npnaoaceHHeM BCCX aoKyMeHXOB, na
ocHOBaHHH Koxopux GbiJio npHHaxo pcuicHHe cyaa (ap6nxpa>KHoro cyaa) - npH
yperyjinpOBaHHH cxpaxosoro cjiy^aa B nopaaKe, npeaycMOxpemioM n. 18.3.3 iiacxoaiuero
floroflopa (cyae6nbiid nopaaoK);
18.4.3. coraameHHe 06 ycxaHOBJieHHH (JiaKxa cxpaxosoro cnynaa H onpeaejienHH pasinepa
yGbixKOB, noanncaHHoe CrpaxoBiyHKOM, CxpaxoBaxejieM H BwroaonpHoGpexaxejieM (HHWM
nojiynaxeaeM cxpaxosoro BOSMemeHHS, npeaycMOxpenHUM HacxoauiHM /JoroaopoM),
saKJuoneHHoe BnopaaKe, npeaycMOxpeHHOM n. 18.3.1. - npw yperyjiHpoBaHHH cxpaxosoro
cnynaa BnopaaKe, npeaycMOxpennoM n. 18.3.1. (BHecyae6Hbitt nopaaoK).
18.4.4. aoKyMCHXbi, Heo6xoanMbie ana ocymecxBaeHHa CxpaxosinHKOM nepemeamero K
HeMy B nopaaKe cy6poraqHH, npeaycMOxpeHHOM n. 12.1. IlpaBHji npaBaxpe6oBaHHa.
18.5. Ilpn ycxaHOBaeHHH B cooxsexcxEHH c HacxoamHM JJorosopoM
cxpaxoaoro caynaa, CxpaxosiuHK B xeneHHe 30 KajienaapHbix
CrpaxoBaiejib

8. MHrOCCTPAX
19. IIPOHHE YCJIOBHH:
20. yBEflOMJIEHHH:
21. nOPH^OK PA3PEUIEHHH
cnopoB
CTPAXOBATEJIb:
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Heo6xoaHMtix aoKyMenxos, ynasanHbix B nyHKxax 18.4.1.-18.4.4. iiacxoamero floroaopa,
oSasan;
- cocxaBHXb aKx o cxpaxosoM cjiynae H npOHSsecxH Bbinjiaxy cxpaxoaoro B03iemeHHa
BbiroaonpHo6pexaxejiK> (HHOMy nojiynaxejiro cxpaxosoro BOSMemeHHa, npeaycMOxpenHOMy
nacxoamHM floroBopoM) B pasMepe, onpeaejiaeMOM B COOXBCXCXBHH c Pas^ejiOM 10
H/HJ1H
- nanpaBHXb Cxpaxoaaxejiro B iiHCbMCHHOM BH^B HsaemeHHe o HOJIHOM HJIH
oxKase B cxpaxoBOH Bbinnaxe c yicasaHHeM npHHHH oxnasa.
AKX o cxpaxoBOM cnynae .zjojmeH coaep^caxb peKBHSHXbi nonynaxejia cxpaxosoH Bbinjiaxu,
Heo6xoaHMbie jjjia ee ocymecxBjienHa, a xaxace CBeaeHHa o pasMepe noajie)Kamero Bbinnaxe
cxpaxoBoro BosMemeHna. Konna cxpaxosoro axxa spynaexca CrpaxoBaxejiio H (HJIH)
Buro/ionpHo6pexaxej]io (HHOMy nojiynaxejiro cxpaxosoro BO3MemeHHa, npeaycMOxpeHHOMy
nacxoaiKHM floroBopoM) no ero xpe6oB3HHio.
18.5.1. CxpaxoBmHK HMeex npaso oxcpoinxb Bbinnaxy cxpaxoBoro BO3MeuienHa B cjiynae.
CCJIH:
- y Hero Hivieroxca MoxwBHpoBaHHbie coMHeHHa B nozuiHHHOcxH aoKyNieiixoB,
noflxaepSKaaKnuHx $aKT HacxynjieHHa cxpaxoBoro cjiynaa H pasiviep ymep6a - 40 xex nop,
noKa ne 6yaex no^xsep^meHa no^JiHHHOcxb xannx aoKyMenxos;
- KOMnexenxHbiMH opranaMH no (|>aKxy npn^HHeHHa apeaa BO36y»jjeno yronoBHOe aeno no
noaospeHHio B yMbimneHHOM (c npaMbiM HJIH KocseHHbiM yMbicnoM) npHHHneHHH Bpena H
se^exca paccjieaoBaHHe - ao npeKpamenna yrojiOBHoro aejia no ocHosaHHaM. ne
CBasaHHbiM c npHsnaHHCM noacnejcxBeHHbiM CBoeH BHHU (zieaxejibHoe pacKaaHHe H ;rp.)
HJIH BbineceHHa npnroBopa cy^OM. flannoe nouosKeHHe, oanaKO, He npHMenaexca B cjiynae,
ecjiH pemeHHe cyaa He BJinaer Ha pemeHHe CxpaxosiuHKa o npHSiianHH co6bixna
cxpaxoBbiM cjiynaeM H Ha onpe/tejienne pasMepa cxpaxosoro BOSMemcHna. TaK»e aannoe
He npHMenaexca no BbinjiaxaM cxpaxoBoro BOSMemeHHa speaa )KH3HH H
(J'HSHHeCKHX J1HU;
- Cxpaxosaxejib ne npeaocxaBHji ^OKyMenxbi H HH(})opMauHio, noflXBepjKaaioinHe (JiaKx
HacxyiweHHfl cxpaxosoro cnyqaa H pasMep Bbinjiaxbi, yKasannbie B HacxoameM
H/HJIH npenaxcxBOBaji CxpaxoBUiHKy B BbiacneHHH oScxoaxejibCXB coSbixna
Bpe/ia H/HJIH sauiHxe HMymecxBCHHbix Huxepecos Cxpaxoaaxejia, npaso na Koxopoe
npeaycMoxpeno HacxoauiHM florosopOM H OpaaHJiaMH, B pesyjibxaxe liero CxpaxoBirjHK
SbiJi nnuieH BOSMoacnocxH npHHaxb pemeHHe o npnsnaHHH co6bixna cxpaxosbiM cnynaeM
HJIH oxKase B Bbinjiaxe —ao npe^ocxaBJieHHa XBKHX ^OKyMenxoB H
- Bcjiynaax, npeaycMOxpeHHbix n. 11.6
ero
19.1. HacxoamHii floroBop cocxaBjiee na pyccKOM asbiKe B xpex 3K3eMnjrapax, HMBIOIUHX
paBHyroropH^HHecKyK)CHJiy, H3 Koxopwx oflHH npeaHasHanaexcs CxpaxoBuiHKy H asa -
CxpaxoBaxejiio.
19.2. JlioSbie HSMCHCHHa H aonoJineHHa K Hacxoamesviy floroeopy o(J)opMJWioxca B
aonojiHHxeJibHbix coraaineHHH B npocxott nHCbMCHHOH <})opMe H cocxasjiaiox
Heox-beMJieMyro nacxb.
19.3. K nacxoameMy florosopy npHJiararoxca H aBJiaroxca ero HCOx-bCMJieMOH
FIpasHjia cxpaxoBaHHa.
20.1. Bee yBeaoMJienna H cooo~meHHa, nanpaBJiaeMbie B cooxsexcxsHH c HacxoaujHM
HJTH B CBS3H C HHM, ^OJDKHbl 6blXb B nHCbMeHHOH <J)OpM6 H QyRyi CHHX'aXbCa
HafljieMcamHM oGpasoM, BCJIH OHH nepeaaHbi nio6biM HS cjiejiyiomnx
cnocoSoB: (|>aKCOM, saKasnuM nncbMOM HJTH aocxaBJieHbi JIHHHO H BpyneHbi noa pacnncKy
ynojiHOMOHCKHbiM npe/icxaBHxejiaM cxopon Hacxoamero floroBOpa. Bee cooxBexcxsyiomHe
KOOp/lHHaXbl yK33aHbI B peKBHSHXaX CXOpOH.
21.1. Cnopw, BOSHHKaiomHe npn ncnojiHeHHH ycjioBHH no HacxoaiueMy
paspemaioxca B npouecce neperosopOB. ITpn HeaocxHaceHHH cornaiiieHHa no HcnojineHHK)
Hacxoamero floroBopa cnop nepe^aexca Ha paccMoxpenne cy%a HJIH Ap6nxpa>KH^ro cy;ia.
H 3ueproc6epe)KeHHe»
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CTPAXOBIIJHK:
OCAO «HHroccrpax»
Ox CxpaxoBiuHKa:/Ox Cxpaxosaxena:
(TeHepa/ibHUU dupeKmopCeeprnzuu Cepzeu Cepzeeeun, Ha ocHoeanuu (HananbHUK Omdeitq /fmpaxoeaitusi (fniHmcoabix u
Vcmaea) npo(j}eccuoHajibHbix^~pucK«^ApxanzejtbCKUU CM., deucmeymifiM
HO ocHOoamm ffoeepeHnocnm N° 2822138-3/14 om 30.01.2014
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CipaxoeaTejib CxpaXOBUlHK