Joint-Stock Company Renaissance Insurance Group (hereinafter referred to as the Insurer) offers to conclude an insurance contract (hereinafter referred to as the Insurance Contract or insurance policy) for the property interests of persons traveling in accordance with an issued electronic travel document (hereinafter referred to as an electronic ticket) on the terms and conditions set forth in the Policy conditions of travel insurance No. 1/Special conditions of insurance for travelers during travel by land transport, approved by Order No. 146 of CEO of the Renaissance Insurance Group JSC dated 20.08.2019 (hereinafter referred to as the General Terms of Insurance including Additional Terms and Conditions to the General Terms of Insurance.

This insurance cover is voluntary. You have the right to execute an Insurance Contract and pay insurance premium. Execution of Insurance Contract shall not be required for electronic ticket purchasing.

In accordance with Article 438 of the Civil Code of the Russian Federation, payment of insurance premium included in the total value of an electronic ticket and additional services shall mean unconditional acceptance (acceptance) of terms and conditions of the insurance policy.

Insurer: Renaissance Insurance Group Public Joint Stock Company conducting insurance business in accordance with laws of the Russian Federation and licenses of the Bank of Russia SL No. 1284, SI No. 1284, issued by the Central Bank of the Russian Federation without limitation of validity.

Policyholder: Under hereof, the Policyholder shall mean the Insured Person him/herself or his/her legal representatives if the Insured Person is an incapacitated individual.

Insured person: an individual specified in the insurance policy who traveling as a bus passenger in accordance with electronic tickets, for whose benefit the insurance contract has been executed.