Renaissance Insurance Group JSC aircraft passenger insurance contracts
Renaissance Insurance Group, Joint Stock Company (the "Insurer"), offers to enter into an insurance contract (the "Insurance Contract" or "insurance policy") covering financial interests of persons intending to travel under an issued electronic travel document (the "e-ticket") on the conditions set forth in the Policy Terms of Traveler Insurance No. 1 / Special Conditions for Insuring Travelers During a Trip/Flight approved by Order No. 146 issued the General Director of Renaissance Insurance Group JSC on August 20, 2019 (the “Insurance Rules”), including Additional Terms and Conditions to the Insurance Rules.
This insurance is voluntary and it is your right to enter into the Insurance Contract and pay the insurance premium under it. The conclusion of the Insurance Contract is not a prerequisite for purchasing the e-ticket.
In accordance with Article 438 of the Civil Code of the Russian Federation, the unconditional acceptance of the terms of an insurance policy is evidenced by the payment of the insurance premium which is part of the total price of the e-ticket and additional services included in the order.
Insurer shall mean Renaissance Insurance Group, Joint Stock Company, which is engaged in insurance activities in accordance with the laws of the Russian Federation and licenses SL No. 1284 and SI No. 1284 issued by the Central Bank of the Russian Federation and having an unlimited period of validity.
Policyholder shall mean the Insured hereunder or his/her legal representatives in the event that the Insured is a legally incapable person.
Insured Person shall mean an individual referred to in the insurance policy intending to travel by air transport as a passenger in accordance with the e-ticket in respect of whom the insurance contract has been executed.
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Insurance terms and conditions: |
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Risks |
Amount insured | Insurance premium | |
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| Accident | Death due to a fatal accident | RUB 200,000 | RUB 200* |
| I, II or III group permanent disability due to an accident | |||
| Bodily injuries due to an accident | |||
| BAGGAGE | Lost baggage (including damage to baggage) | RUB 200,000 | |
| 12 hours baggage delay** | RUB 10,000 | ||
| When insuring a round-trip flight and/or there are flight changes, a ratio of 1.32 shall apply to the insurance premium. | |||
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РRISKS AND INSURANCE INDEMNITY The duration of the insurance coverage starts 1 hour before the flight departure and ends 1 hour after the end of the flight specified in the travel document. |
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Risks |
Insurance indemnity | ||
| Death due to a fatal accident | 100% of the amount insured | ||
| I, II or III group permanent disability due to an accident |
Group I = 100% of the insured amount; Group II = 75% of the insured amount; Group III = 50% of the insured amount |
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| Bodily injuries due to an accident | The insurance indemnity is paid as per the 3 items in the Table of Insurance Indemnities | ||
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BAGGAGE INSURANCE |
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Risks |
Insurance indemnity | ||
| Over 12 hours baggage delay | The Insurer will compensate the documented reasonable and vital expenses incurred by the Insured person (purchase of food, personal hygiene items, accommodation, etc.) but not more than the insured amount | ||
| Lost baggage а | 100% of the amount insured | ||
| Damaged baggage | The insurance indemnity is paid as per the 3 items in the Table of Insurance Indemnities | ||
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Other terms of the Insurance Contract are set out in the Insurer's Insurance Rules. The Insurer's Insurance Rules are available on the official website of the Insurer at: http://www.renins.com/about/rules/im |
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1. Procedure for entering into and giving effect to the Insurance Contract (insurance policy):
1.1. In accordance with Article 438 of the Civil Code of the Russian Federation, the fact that an individual has unconditional accepted the terms of this Offer is confirmed by the presence of the "V" check mark on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet as well as the rules of Aeroflot’s passenger and baggage are transport services" or on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet" on the website http://aeroflot.tripandfly.ru
1.1. The Insurance Contract (insurance policy) is drafted based on the data entered by the Insured on the website http://aeroflot.tripandfly.ru
1.2. The parties to the Insurance Contract (insurance policy) agree that the receipt of the insurance premium by the Insurer or its representative under the concluded Insurance Contract (insurance policy), on the one part, and the execution of the Insurance Contract (insurance policy) by the Insurer using a facsimile signature of the Insurer’s representative and the Insurer's facsimile seal, on the other part, shall constitute the proper execution of the Insurance Contract (insurance policy).
However, the Insurer and the Policyholder undertake to reproduce the Insurance Contract (insurance policy) on paper if required.
1.3. The Parties agree that emailing the Insurance Policy to the Policyholder's email address specified by the Policyholder when booking (ordering) an electronic ticket on the website http://aeroflot.tripandfly.ru shall be considered the proper delivery of the Insurance Contract (Insurance Policy) to the Policyholder. The payment by the Policyholder of the insurance premium in accordance with the terms and conditions of the executed Insurance Contract (insurance policy) shall also constitute the confirmation of the Policyholder's consent to receiving the Insurance Contract (insurance policy) in the specified manner and agreement with the terms and conditions of the Insurance Contract (insurance policy).
Files containing insurance policies will be sent once the order including the activated insurance service emailed to the email address specified during the booking process is paid. The received insurance policies must be printed by the customer. At the written request of the Policyholder (Insured person), the Insurer shall, not later than 30 business days of receiving such written request, deliver the Insurance Contract (insurance policy) bearing the handwritten signature of the authorized representative of the Insurer and exhibits thereto at the Insurer’s address specified in paragraph 4.
Similarly, the Insured may be provided with a duplicate of the lost Insurance Policy bearing the handwritten signature of the Insurer.
1.4. In executing the Insurance Contract (insurance policy), the Policyholder is acting on behalf of all of the Insured Persons named therein and, therefore, all of the Insured Persons and Beneficiaries shall be considered as being aware of the terms and conditions of the Insurance Contract (insurance policy) and the Insurer’s Insurance Rules.
2. Procedure for payment premiums under insurance contracts (insurance policies)
Payments under Insurance Contracts (insurance policies) shall be made in cash/with a bank card. Payment with a bank card shall be made once the order is verified and confirmed. If the time limit set for making a decision on whether to pay for the order and entering the bank card details is exceeded, the insurance policy shall be cancelled and the Insurance Contract shall be considered void.
3. Early termination of the Insurance Contract (insurance policy) by the Policyholder. Refund of insurance premium
3.1. If the Policyholder repudiates the Insurance Contract (insurance policy) electing to cancel the transport services referred to in the Insurance Contract (insurance policy), the insurance premium shall be refunded 100% provided that the transport services specified in the Insurance Contract (insurance policy) have not been commenced as at the time the insurance contract is terminated.
3.2. If the Policyholder repudiates the Insurance Contract (insurance policy) at their will not resulting from a cancellation of the transport services referred to in the Insurance Contract (insurance policy) before the start of the insurance period, the insurance premium shall be refunded 100%.
3.3. If the Policyholder repudiates the Insurance Contract after the start of the insurance period, the insurance premium shall be refunded 100% provided that the transport services referred to in the Insurance Contract (insurance policy) have not been commenced as at the time the insurance contract is terminated.
3.4. If the Policyholder repudiates the Insurance Contract after the start of the insurance period and commencement of the transport services referred to in the insurance policy, the insurance premium shall not be refunded.
3.5. The insurance premium shall be refunded to the bank card account from which the insurance premium was paid.
3.6. The refundable amount shall be credited to the bank card account from which the payment under the Insurance Contract (insurance policy) was made within the time limits prescribed by the rules of the relevant payment systems.
4. Insurer’s details:
Renaissance Insurance Group, Joint Stock Company
Licenses SL No. 1284 and SI No. 1284 issued by the Central Bank of the Russian Federation and having an unlimited period of validity.
115114, Moscow, Derbenevskaya Naberezhnaya 7, bldg. 22, floor 4, room XIII,
Tel: 8-800-333-88-00
OGRN 1187746794366
INN 7725497022
e-mail: info@renins.com
5. Whom to contact in case of events that have signs of an insured event
In case of events that have signs of an insured event, please call 8 800 333 8 800 (round the clock toll free call from any region of the Russian Federation) or contact the nearest branch of Renaissance Insurance Group, JSC. For the addresses, telephones and working hours of the Insurer’s branches, please refer to the Insurer's website www.renins.ru.