INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of July 8, 2019 No. 5192-U

About the minimum (standard) requirements to conditions and procedure of voluntary insurance from accidents and diseases regarding accidents insurance of the physical persons which are owners of vehicles

1. This Instruction based on the paragraph of third Item 3 of article 3 of the Law of the Russian Federation of November 27, 1992 No. 4015-1 "About the organization of insurance case in the Russian Federation" (Sheets of the Congress of People's Deputies of the Russian Federation and the Supreme Council of the Russian Federation, 1993, No. 2, Art. 56; Russian Federation Code, 1998, No. 1, Art. 4; 1999, No. 47, Art. 5622; 2002, No. 12, Art. 1093; No. 18, Art. 1721; 2003, No. 50, Art. 4855, Art. 4858; 2004, No. 30, Art. 3085; 2005, No. 10, Art. 760; No. 30, Art. 3101, Art. 3115; 2007, No. 22, Art. 2563; No. 46, Art. 5552; No. 49, Art. 6048; 2009, No. 44, Art. 5172; 2010, No. 17, Art. 1988; No. 31, Art. 4195; No. 49, Art. 6409; 2011, No. 30, Art. 4584; No. 49, Art. 7040; 2012, No. 53, Art. 7592; 2013, No. 26, Art. 3207; No. 30, Art. 4067; No. 52, Art. 6975; 2014, No. 23, Art. 2934; No. 30, Art. 4224; No. 45, Art. 6154; 2015, No. 10, Art. 1409; No. 27, Art. 3946, Art. 4001; No. 29, Art. 4357, Art. 4385; No. 48, Art. 6715; 2016, №1, of Art. 52; No. 22, Art. 3094; No. 26, Art. 3863, Art. 3891; No. 27, Art. 4225, Art. 4294, Art. 4296; 2017, No. 31, Art. 4754, Art. 4830; 2018, No. 1, Art. 10, Art. 66; No. 18, Art. 2557; No. 31, Art. 4840; No. 32, Art. 5113, Art. 5115; No. 49, of the Art. 7524) establishes the minimum (standard) requirements to conditions and procedure of voluntary insurance from accidents and diseases regarding accidents insurance of the physical persons which are owners of vehicles (further - voluntary insurance) if the agreement of voluntary insurance is signed with the insurer who concluded with the physical person who is the vehicle owner (further - the vehicle owner), the agreement of obligatory civil liability insurance of owners of vehicles (further - compulsory insurance), and data on the conclusion of the agreement of voluntary insurance are specified in the insurance policy of compulsory insurance.

2. The insurer shall provide the following conditions and procedure of voluntary insurance.

2.1. Object of voluntary insurance are the valuable interests connected with damnification to health of the vehicle owner and (or) with its accidental death who came in connection with the road accident under management of it of the vehicle (further - accident).

2.2. Insured events under the agreement of voluntary insurance are one or both insured events:

causing as a result of accident of harm to health of the vehicle owner, including establishment to the vehicle owner of disability;

the accidental death of the vehicle owner including which came within year after accident.

2.3. Lack of insured event under the agreement of compulsory insurance is not the basis of release of the insurer from payment of insurance indemnity for the agreement of voluntary insurance.

2.4. Data on the conclusion of the agreement of voluntary insurance are specified in the insurance policy of compulsory insurance according to Item 9 of the form of the insurance policy of obligatory civil liability insurance of owners of vehicles established by appendix 3 to the Provision of the Bank of Russia of September 19, 2014 No. 431-P "About rules of obligatory civil liability insurance of owners of vehicles", to No. registered by the Ministry of Justice of the Russian Federation on October 1, 2014 34204, on June 17, 2015 No. 37679, on December 29, 2016 No. 45036, on April 28, 2017 No. 46531, on November 15, 2017 No. 48901, on March 5, 2018 No. 50253, on May 11, 2018 No. 51058, on July 16, 2019 No. 55279.

2.5. Insurance term under the agreement of voluntary insurance corresponds to the insurance term provided by the agreement of compulsory insurance.

2.6. The size of insurance sum under the agreement of voluntary insurance constitutes at least 500 000 rubles in case of approach of each insured event.

2.7. In case of damnification to health of the vehicle owner, including in case of establishment to the vehicle owner of disability, the size of insurance indemnity is calculated percentage of the insurance sum determined in subitem 2.6 of this Item. At the same time the size of the specified percent shall be not lower than the size of standard rates (percent) established for payment to the victims when implementing compulsory insurance according to the order of the Government of the Russian Federation of November 15, 2012 No. 1164 "About approval of Rules of calculation of the amount of insurance indemnity in case of damnification to health of the victim" (The Russian Federation Code, 2012, No. 47, Art. 6512; 2013, No. 36, Art. 4578; 2015, No. 9, Art. 1335).

2.8. In case of the death of the vehicle owner the size of insurance indemnity constitutes 100 percent of the insurance sum determined in subitem 2.6 of this Item.

2.9. In case of early termination of the agreement of compulsory insurance the agreement of voluntary insurance stops from the same date, as the agreement of compulsory insurance.

2.10. In case of early termination of the agreement of compulsory insurance return to the insurer of part of insurance premium under the agreement of voluntary insurance is made by the insurer in proportion to insurance term (except for refusal of the insurer of the agreement of compulsory insurance on which by the time of refusal of it the possibility of loss occurrence did not disappear and existence of insurance risk did not stop on circumstances other, than insured event).

2.11. In case of refusal the insurer from the agreement of voluntary insurance, including in connection with refusal of the agreement of compulsory insurance, in time, of stipulated in Item 1 Instruction of the Bank of Russia of November 20, 2015 No. 3854-U "About the minimum (standard) requirements to conditions and procedure of separate types of voluntary insurance", No. registered by the Ministry of Justice of the Russian Federation on February 12, 2016 41072, on June 27, 2016 No. 42648, on September 8, 2017 No. 48112 (further - the Instruction of the Bank of Russia No. 3854-U), return to the insurer of insurance premium or its part under the agreement of voluntary insurance is made by the insurer according to the procedure, established by the Instruction of the Bank of Russia No. 3854-U.

3. This Instruction becomes effective after 10 days after day of its official publication.

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