Машина Н.І. Міжнародне страхування

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Ïðîäîâæåííÿ äîäàòêà 4

491

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Full

name

Occupation(s)

If more than one,

state all

Age

Date of

birth

Type of UK license currently

held (e.g. Full UK,

Provisional UK or

International)

Date driving

test passed

(Self)

(Spouse)

3. Has any person mentioned

above:

If YES, give full details (you should include

dates and circumstances and for convictions the

code and penalty points)

a) been involved in ANY motor accident or loss

within the last 3 years?

YES

b) been convicted of any motoring offence (including

Fixed Penalty offences) within the last 5 years, or is

any prosecution pending?

YES

c) been disqualified from driving?

YES

d) suffered at any time from diabetes, fits or any heart

complaint or any other disease or infirmity which

could impair the ability to drive?

YES

e) ever been refused motor insurance, renewal or had

any special terms or conditions imposed by any

insurer?

YES

4. a) Have you held or do you now hold a car

Insurance policy?

YES

Name

of Insurer

Expiry

date

b) Are you entitled to a no claim discount?

YES

No. of

years

Discou

c) If you are 30 and over and entitled to 60% NOD, Protected No

Claim Discount Is available at extra cost Please tick box if

required. (For Key Motor applicants, a loyalty bonus already

exists.)

Please attach the previous Insurer’s last as proof of NCD

INSURANCE REQUIRED (Tick

boxes as appropriate)

Bonus Motor & Dual Driver

Applicants Only

Bonus Motor

Applicants Only

Comprehensive

Voluntary Own

Damage Excess

NIL

£50

£100

£320

For Dual Driver a £50 excess Is standard. For Key Motor applicants under age 50 a £50 excess is standard/

Third Party Fire and Theft

For Dual Driver applicants this cover is available with windscreen cover. Please tick box if required

Third Party. Not available for Dual Driver applicants.

CLASS OF USE REQUIRED (Tick box as necessary)

CLASS C: For Dual Driver, Bonus Motor or Key Motor

(Pleasure)

CLASS A: For Bonus Motor and Key Motor only

(Pleasure and by you for your Business)

Use for social domestic and pleasure (including travel to

and from usual place of work). Does not cover use for

hiring or any business purpose.

Use for social domestic and pleasure and by you in person for your

business. Does not cover use for hiring, motor trade purposes and

commercial traveling.

CLASS A+A: For Dual Driver only

(Pleasure & Business of both)

CLASS B: (For Bonus Motor and Key Motor only)

(Pleasure and by anyone for your business)

Use by each of you for social domestic and pleasure and by

each of you in person for your own business. Does not cover

use for hiring, motor trade purposes and commercial traveling.

Use for social domestic and pleasure purposes and by anyone for you or

your employers' or partners' business. Does not cover use for the carriage

of passengers for hire or reward.

Ïðîäîâæåííÿ äîäàòêà 4

492

Í.².Ìàøèíà Ì²ÆÍÀÐÎÄÍÅ ÑÒÐÀÕÓÂÀÍÍß

NOTE 1 All ñlasses exclude racing, competitions, rallies or trials.

NOTE 2 If your car Is used for any purpose other than the clause

selected please give details.

On which date should your motor

insurance policy start

Note: Insurance starts only after an official Cover Note or Certificate of Motor Insurance

has been issued. Commercial Union reserve the right to decline application for cover.

EXTRAS (Continental Breakdown - apply separately for each trip)

Option 1: Breakdown

Recovery U.K.

YES

Option 2: Motor

Aid

YES

Date you wish cover to start

/ /

Date you wish cover to start

/ /

Disclosure: You are not required to disclose convictions regarded as ‘spent’

by virtue of the

Rehabilitation of Offenders Act, 1974. Any other facts known to you which are likely to acceptance

or assessment of the risks proposed for insurance must be disclosed. Should you have any doubt about

what you should disclose, do not hesitate to tell us or your insurance adviser. We recommend you to

keep a record (including copies of letters) for your reference, of any additional information given.

Making sure we are informed is for your own protection, as failure to disclose may mean that your

policy will not provide you with the cover you require, or perhaps may invalidate the policy altogether.

I/we declare that the statements and particulars given in

this application are, to the best of mayor knowledge and

belief, true and complete and that I/we have read the

paragraph headed 'Disclosure'.

l/we agree that the insurance will not be in force until the

application has been accepted by the Company, except to

the extent of any official Cover Note which may be issued.

Signed _________________________

Print name in block capitals ________

Date___________________________

NOTE: Insurers maintain a motor and fraud and theft register and exchange information

with each other to prevent fraudulent claims.

APPLICATION FOR CU CREDIT

(Please fill in Parts 1 and 2, unless you are

applying for Key Motor, in which case consult

your usual insurance adviser or local CU

office.)

Part 1

Your first installment can be by cash, cheque or

credit/debit card.

Please arrange for the premium shown lo be

payable in 12 monthly installments.

My deposit

payment/cheque is

enclosed for

I/we agree that if any installment is not paid on the due

date, the full amount outstanding will become immediately

payable and, if not received, Commercial Union may

cancel the insurance by sending seven days written notice

to my/our last known address.

If deposit payment is not enclosed, please

give your credit card details:

Card expiry date

/ /

Signed ___________________________________

Print name in block capitals ___________________

Date _____________________________________

VISA. MasterCard or Switch number

For CU office use

only

New policy start

date/renewal date

Ïðîäîâæåííÿ äîäàòêà 4

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CU Credit-12: Instruction to your Bank to pay direct debits Part 2

2. Bank Sort

Code

3. Account No.

Girobank a/c holders please quote all nine account

digits.

Commercial Union Identification

Number: 953286

Correspondence address for bank use

only:

Commercial Union Assurance, CU

Credit Section

431 Goldstone Road, Whyteleafe,

Surrey CR3 0YQ

(Telephone 071 283 7500, Extn.

24652)

CU Policy No. (for office use

only)_________________

4. Name of account

Holder

Please complete the Parts 1 to 5 to

instruct your Bank to make payments

directly from your account.

1. Please write the full postal address

of your Bank branch in this box.

5. Your instructions to the Bank and signature:

* I/We instruct you to pay Direct Debits from my/our

account at the request of Commercial Union Assurance

Company plc.

* The amounts are variable and are to be debited on

various dates.

* I/We understand that Commercial Union Assurance

may change the amounts and dales only after giving

me/us prior notice.

* I/We will inform the Bank in writing if I/we wish to

cancel (hit instruction.

* I/We understand that if any Direct Debit is paid which

breaks the terms of the Instruction, the Bank will make a

refund.

The manager

_______________________________

__________ Bank

_______________________________

_______________

_______________________________

_______________

_______________________________

_______________

Signature (s)

_____________________________________________

___________

Print name in block capitals

___________________________________________

Date

_____________________________________________

_________________

Banks may refuse to accept Instructions to pay Direct Debits from certain types of account.

COMMERCIAL UNION ASSURANCE COMPANY PLC. REGISTERED IN ENGLAND NUMBER 21487. REGISTERED OFFICE: ST. HELEN’S, 1 UNDERSHAFT, LONDON EC3P 3DQ.

Ïðîäîâæåííÿ äîäàòêà 4

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Í.².Ìàøèíà Ì²ÆÍÀÐÎÄÍÅ ÑÒÐÀÕÓÂÀÍÍß

WORKING OUT THE COST

AGE RANGE: UNDER 30

IMPORTANT: Insurance Premium Tax applies from 1st October 2001. See page 2.

Add 2.5% to final premium (excluding Channel Islands and Isle of Man).

To see how much your policy will cost you, use the postcode tables to sec in which area number you live, then read off the cost of cover.

For the total annual cost of premiums, multiply monthly amounts by 12; APR on monthly payments 13.7%.

CONTENTS. For every £ 1,000 of cover (minimum sum insured £ 15,000)

AREA CODE

Monthly

0.34

0.38

0.45

0.54

0.60

0.67

0.75

0.80

0.92

1.02

1.21

1.49

1.78

2.07

Annual

3.90

4.29

5.07

6.11

6.76

7.54

8.45

9.10

10.40

11.57

13.65

16.90

20.15

23.40

GOLDEN KEY (Contents including accidental damage). For every £1,000 of cover (minimum sum insured £15,000)

AREA CODE

Monthly

0.57

0.61

0.68

0.77

0.85

0.92

1.00

1.06

1.17

1.31

1.49

1.78

2.07

2.35

Annual

6.50

6.89

7.67

8.71

9.62

10.40

11.31

11.96

1326

14.82

16.90

20.15

23.40

26.65

SPECIAL POSSESSIONS For every £100 of cover (minimum £1,500 for unspecified items)

Monthly

0.11

0.15

0.17

0.21

0.24

026

0.30

0.36

0.47

Annual

1.30

1.69

1.95

2.34

2.73

2.99

3.38

4.03

5.33

CARAVAN COVER (for every £100 of cover)

INCLUDING SECURITY DISCOUNT

EXCLUDING SECURITY DISCOUNT

Use by policyholder

only

Monthly £0.20

Annual £2.25

Monthly £022

Annual £2.50

If used for letting

and hiring

Monthly £0.28

Annual £3.15

Monthly £0.31

Annual £3.50

PEDAL CYCLES

per £100 of cover

Monthly £ 0.57

Annual premium £6.50

Minimum Premium £5

LEGAL ADVICE AND COURT COSTS

Monthly £ 0.84

Annual £9.50

FAMILY ACCIDENT PLAN £10 per person per year (88 p per month). For the whole family — £20 in total per year (£1.77 per month)

BUILDINGS For every £ 1,000 (minimum sum insured £30,000)

AREA A

AREA B

AREA C

AREA D*

AREA E*

EXCESS

£50

£100

£50

£100

£50

£100

£50

£100

£50

£100

Monthly

0.15

0.13

0.19

0.16

022

0.19

0.24

022

0.35

0.32

Annual

1.70

1.40

2.10

1.80

2.40

2.10

2.70

2.40

3.90

3.60

INCLUDING ACCIDENTAL DAMAGE COVER

Monthly

0.18

015

022

0.19

024

022

027

0.24

0.38

0.35

Annual

2.00

1.70

2.40

2.10

2.70

2.40

3.00

2.70

4.20

3.90

*These rates are a guide only and the building risk should be referred to the branch to confirm that the risk is acceptable.

Buildings — Channel Isles. Special costs as follows: To include Accidental Damage

Excess

£50

£100

£50

£100

Monthly

£013

£0.10

£0.15

£0.12

Annual

£1.40

£1.10

£1.70

£1.40

Higher excess. Please note that the £100 excess is payable in addition to the policy standard £50 excess shown. If you would like a bigger

discount for paying a £250 or £500 excess please ask for a special quotation.

NOW SEE WHAT YOU COULD SAVE

DISCOUNTS

For Contents and Special Possessions:

15% for a NACOSS approved burglar alarm (provided that an alarm is not an underwriting requirement). Plus, for Contents only:

• 15% if you pay the first £100 of any claim*

• 25% if you pay the first £250 of any claim*

• 30% if you pay the first £500 of any claim*

For Buildings:

• Discounts according to where you live for a £ 100; £ 250 or £500 excess. *

For Caravans:

• A 10% security discount is available if you use a proprietary wheel clamp or hitch lock.

*These excesses apply in addition to the policy standard £50 excess for any one incident.

Note. All premiums shown in this leaflet are for homes of standard construction and occupation. Terms of cover and costs can vary in

individual circumstances and a firm quotation can be gion receipt of a completed Application Form

Ïðîäîâæåííÿ äîäàòêà 4

495

ÄÎÄÀÒÊÈ

WORKING OUT THE COST

AGE RANGE: 30-49

IMPORTANT: Insurance Premium Tax applies from 1st October 2001. See page 2.

Add 2.5% to final premium (excluding Channel Islands and Isle of Man).

To see how much your policy will cost you, use the postcode tables to sec in which area number you live, then read off the cost of cover.

For the total annual cost of premiums, multiply monthly amounts by 12; APR on monthly payments 13.7%.

CONTENTS. For every £ 1,000 of cover (minimum sum insured £15,000)

AREA CODE

Monthly

0.27

0.29

0.34

0.42

0.46

0.51

0.62

0.71

0.79

0.93

1.15

1.37

1.59

0.27

Annual

3.00

3.30

3.90

4.70

5.20

5.80

7.00

8.00

8.90

10.50

13.00

15.50

18.00

3.00

GOLDEN KEY (Contents including accidental damage). For every £1,000 of cover (minimum sum insured £15,000)

AREACODE

Monthly

0.44

0.47

0.52

0.59

0.65

0.71

0.77

0.81

0.90

1.01

1.15

1.37

1.59

1.81

Annual

5.00

5.30

5.90

6.70

7.40

8.00

8.70

9.20

10.20

11.40

13.00

15.50

18.00

20.50

SPECIAL POSSESSIONS For every £100 of cover (minimum £1,500 for unspecified items)

Monthly

0.09

0.11

0.13

0.16

0.19

0.20

0.23

0.27

0.36

Annual

1.00

1.30

1.50

1.80

2.10

2.30

2.60

3.10

4.10

CARAVAN COVER (for every £100 of cover)

INCLUDING SECURITY DISCOUNT

EXCLUDING SECURITY DISCOUNT

Use by policyholder

only

Monthly £0.20

Annual £2.25

Monthly £022

Annual £2.50

If used for letting

and hiring

Monthly £0.28

Annual £3.15

Monthly £0.31

Annual £3.50

PEDAL CYCLES

per £100 of cover

Monthly £ 0.44

Annual premium £5.0

Minimum Premium £5

LEGAL ADVICE AND COURT COSTS

Monthly £ 0.84

Annual £9.50

FAMILY ACCIDENT PLAN £ 10 per person per year (88 p per month). For the whole family — £20 in total per year (£ 1.77 per month)

BUILDINGS For every £ 1,000 (minimum sum insured £30,000)

AREA A

AREA B

AREA C

AREA D*

AREA E*

EXCESS

£50

£100

£50

£100

£50

£100

£50

£100

£50

£100

Monthly

0.15

0.13

0.19

0.16

022

0.19

0.24

022

0.35

0.32

Annual

1.70

1.40

2.10

1.80

2.40

2.10

2.70

2.40

3.90

3.60

INCLUDING ACCIDENTAL DAMAGE COVER

Monthly

0.18

015

022

0.19

024

022

027

0.24

0.38

0.35

Annual

2.00

1.70

2.40

2.10

2.70

2.40

3.00

2.70

4.20

3.90

*These rates are a guide only and the building risk should be referred to the branch to confirm that the risk is acceptable.

Buildings — Channel Isles. Special costs as follows: To include Accidental Damage

Excess

£50

£100

£50

£100

Monthly

£013

£0.10

£0.15

£0.12

Annual

£1.40

£1.10

£1.70

£1.40

Higher excess. Please note that the £100 excess is payable in addition to the policy standard £50 excess shown. If you would like a bigger

discount for paying a £250 or £500 excess please ask for a special quotation.

NOW SEE WHAT YOU COULD SAVE

DISCOUNTS

For Contents and Special Possessions:

15% for a NACOSS approved burglar alarm (provided that an alarm is not an underwriting requirement). Plus, for Contents only:

• 15% if you pay the first £100 of any claim*

• 25% if you pay the first £250 of any claim*

• 30% if you pay the first £500 of any claim*

For Buildings:

• Discounts according to where you live for a £ 100; £ 250 or £500 excess. *

For Caravans:

• A 10% security discount is available if you use a proprietary wheel clamp or hitch lock.

*These excesses apply in addition to the policy standard £50 excess for any one incident.

Note. All premiums shown in this leaflet are for homes of standard construction and occupation. Terms of cover and costs can vary in individual

circumstances and a firm quotation can be gion receipt of a completed Application Form

Ïðîäîâæåííÿ äîäàòêà 4

496

Í.².Ìàøèíà Ì²ÆÍÀÐÎÄÍÅ ÑÒÐÀÕÓÂÀÍÍß

WORKING OUT THE COST

AGE RANGE: 50 PLUS

IMPORTANT: Insurance Premium Tax applies from 1st October 2001. See page 2.

Add 2.5% to final premium (excluding Channel Islands and Isle of Man).

To see how much your policy will cost you, use the postcode tables to sec in which area number you live, then read off the cost of cover.

For the total annual cost of premiums, multiply monthly amounts by 12; APR on monthly payments 13.7%.

CONTENTS. For every £ 1,000 of cover (minimum sum insured £ 15,000)

AREACODE

Monthly

0.24

026

0.31

037

0.41

0.46

0,52

0.56

0.64

0.71

0.83

1.03

123

0.24

Annual

2.70

2.97

351

423

4.68

5.22

6.30

720

8.01

9.45

11.70

13.95

2.70

GOLDEN KEY (Contents including accidental damage). For every £1,000 of cover (minimum sum insured £15,000)

AREACODE

Monthly

0.40

0.42

0.47

053

0.59

0.64

0.69

0.73

0.81

0.91

1.03

123

1.43

1.63

Annual

450

4.77

5.31

6.03

6.66

720

7.83

828

9.18

1026

11.70

13.95

16.20

18.45

SPECIAL POSSESSIONS For every £100 of cover (minimum £1,500 for unspecified items)

Monthly

0.08

0.10

0.12

' 0.14

0.17

0.18

0.21

025

0.25

0.33

Annual

0.90

1.17

1.35

1.62

1.89

2.07

2.34

2.79

3.69

CARAVAN COVER (for every £100 of cover)

INCLUDING SECURITY DISCOUNT

EXCLUDING SECURITY DISCOUNT

Use by policyholder

only

Monthly £0.20

Annual £2.25

Monthly £ 0.22

Annual £2.50

If used for letting

and hiring

Monthly £0.28

Annual £3.15

Monthly £ 0.31

Annual £3.50

PEDAL CYCLES

per £100 of cover

Monthly £ 0.40

Annual premium £4.50

Minimum Premium £5

LEGAL ADVICE AND COURT COSTS

Monthly £ 0.84

Annual £9.50

FAMILY ACCIDENT PLAN £10 per person per year (88 p per month). For the whole family — £20 in total per year (£1.77 per month)

BUILDINGS For every £ 1,000 (minimum sum insured £30,000)

AREA A

AREA B

AREA C

AREA D*

AREA E*

EXCESS

£50

£100

£50

£100

£50

£100

£50

£100

£50

£100

Monthly

0.15

0.13

0.19

0.16

022

0.19

0.24

022

0.35

0.32

Annual

1.70

1.40

2.10

1.80

2.40

2.10

2.70

2.40

3.90

3.60

INCLUDING ACCIDENTAL DAMAGE COVER

Monthly

0.18

015

022

0.19

024

022

027

0.24

0.38

0.35

Annual

2.00

1.70

2.40

2.10

2.70

2.40

3.00

2.70

4.20

3.90

*These rates are a guide only and the building risk should be referred to the branch to confirm that the risk is acceptable.

Buildings — Channel Isles. Special costs as follows: To include Accidental Damage

Excess

£50

£100

£50

£100

Monthly

£013

£0.10

£0.15

£0.12

Annual

£1.40

£1.10

£1.70

£1.40

Higher excess. Please note that the £100 excess is payable in addition to the policy standard £50 excess shown. If you would like a bigger

discount for paying a £250 or £500 excess please ask for a special quotation.

NOW SEE WHAT YOU COULD SAVE

DISCOUNTS

For Contents and Special Possessions:

15% for a NACOSS approved burglar alarm (provided that an alarm is not an underwriting requirement). Plus, for Contents only:

• 15% if you pay the first £100 of any claim*

• 25% if you pay the first £250 of any claim*

• 30% if you pay the first £500 of any claim*

For Buildings:

• Discounts according to where you live for a £ 100; £ 250 or £500 excess. *

For Caravans:

• A 10% security discount is available if you use a proprietary wheel clamp or hitch lock.

*These excesses apply in addition to the policy standard £50 excess for any one incident.

Note. All premiums shown in this leaflet are for homes of standard construction and occupation. Terms of cover and costs can vary in

individual circumstances and a firm quotation can be gion receipt of a completed Application Form

497

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êðåäèò³â

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Äîäàòîê 5

Îá'ºêòè ñòðàõóâàííÿ ³ êëàñè ñòðàõîâèõ ï³äïðèºìíèöüêèõ ðèçèê³â

ÇÌ²ÑÒ

ВСТУП . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Розділ I. ЕКОНОМІЧНІ І ПОЛІТИЧНІ АСПЕКТИ

СВІТОВОГО РИНКУ СТРАХОВИХ

ПОСЛУГ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Глава 1.СВІТОВА СИСТЕМА РИЗИКІВ . . . . . . . . . . . . . . .7

1.1. Основні світові ризики . . . . . . . . . . . . . . . . . . . . . . . . . . .7

1.2. Контроль за світовими ризиками . . . . . . . . . . . . . . . . .14

1.3. Фінансування світових ризиків . . . . . . . . . . . . . . . . . . .19

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .25

Глава 2. СВІТОВИЙ РИНОК СТРАХУВАННЯ . . . . . . . .26

2.1. Страхові відносини і страхова термінологія . . . . . . .26

2.2. Страхування в умовах глобалізації . . . . . . . . . . . . . . . .34

2.3. Макропоказники світового страхового ринку . . . . .41

2.4. Аналіз світового страхового ринку на основі показника

“зібрані страхові премії в розрахунку на одного

громадянина” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .53

2.5. Аналіз світового страхового ринку на основі

показника “частка страхових премій у валовому

національному продукті” . . . . . . . . . . . . . . . . . . . . . . . . .57

2.6. Аналіз світового страхового ринку на основі

показника “динаміка зібраних страхових премій з

урахуванням інфляції” . . . . . . . . . . . . . . . . . . . . . . . . . . .59

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .62

Глава 3. СТРАХОВІ РИНКИ ПРОВІДНИХ КРАЇН

СВІТУ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .64

3.1. Страховий ринок США . . . . . . . . . . . . . . . . . . . . . . . . . . .64

3.2. Страховий ринок Великобританії . . . . . . . . . . . . . . . . .67

3.3. Страховий ринок Німеччини . . . . . . . . . . . . . . . . . . . . .79

3.4. Страхові ринки країн Східної Європи . . . . . . . . . . . . .81

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .87

498

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499

Глава 4.ОРГАНІЗАЦІЙНО,ПРАВОВІ АСПЕКТИ

МІЖНАРОДНОЇ СТРАХОВОЇ ДІЯЛЬНОСТІ .88

4.1. Форми організації страховиків і системи

страхування . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .88

4.2. Страхові посередники . . . . . . . . . . . . . . . . . . . . . . . . . . . .100

4.3. Регулювання страхової діяльності . . . . . . . . . . . . . . . .102

4.4. Страхове регулювання у країнах Європейського

Союзу . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .113

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .121

Глава 5.ПРОБЛЕМИ СУЧАСНОГО СТРАХУВАННЯ . .122

5.1. Недоліки страхування . . . . . . . . . . . . . . . . . . . . . . . . . . . .122

5.2. Злочини в страхуванні . . . . . . . . . . . . . . . . . . . . . . . . . . .129

5.2.1. Поняття страхового шахрайства . . . . . . . . . . . . . .129

5.2.2. Шахрайство страхувальників . . . . . . . . . . . . . . . .132

5.2.3. Злочини в інтересах страховиків . . . . . . . . . . . . .134

5.2.4. Боротьба з шахрайством . . . . . . . . . . . . . . . . . . . . .138

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .153

Розділ II. КОМЕРЦІЙНЕ СТРАХУВАННЯ . . . . . . . . . . .154

Глава 6. ПЕРЕСТРАХУВАННЯ . . . . . . . . . . . . . . . . . . . . . . . .154

6.1. Зміст перестрахування . . . . . . . . . . . . . . . . . . . . . . . . . . .154

6.2. Пропорційне перестрахування . . . . . . . . . . . . . . . . . . . .167

6.3. Непропорційне перестрахування . . . . . . . . . . . . . . . . .170

6.4. Перестрахування в Україні . . . . . . . . . . . . . . . . . . . . . . .175

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .177

Глава 7. ОСОБИСТЕ СТРАХУВАННЯ . . . . . . . . . . . . . . . .179

7.1. Особливості особистого страхування . . . . . . . . . . . . .179

7.2. Страхування від нещасного випадку . . . . . . . . . . . . . .183

7.3. Накопичувальне страхування . . . . . . . . . . . . . . . . . . . . .187

7.4. Облік інфляційного фактора . . . . . . . . . . . . . . . . . . . . .191

7.5. Медичне страхування . . . . . . . . . . . . . . . . . . . . . . . . . . . .193

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .197

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Глава 8. СТРАХУВАННЯ МАЙНА . . . . . . . . . . . . . . . . . . . . .199

8.1. Особливості страхування майна . . . . . . . . . . . . . . . . . .199

8.2. Страхування інтелектуальної власності . . . . . . . . . . .205

8.3. Страхування майна у Швейцарії . . . . . . . . . . . . . . . . . .212

8.4. Страхування домашнього майна в Німеччині . . . . . .219

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .221

Глава 9. СТРАХУВАННЯ ВІДПОВІДАЛЬНОСТІ . . . . . .223

9.1. Особливості страхування відповідальності . . . . . . . .223

9.2. Страхування відповідальності товаровиробника . . .228

9.3. Страхування цивільної відповідальності власників

автотранспортних засобів у Європі . . . . . . . . . . . . . . .231

9.4. Страхування відповідальності в США . . . . . . . . . . . .238

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .241

Глава 10. СИСТЕМА “АСІСТАНС” . . . . . . . . . . . . . . . . . . . . .242

10.1. Економічна зумовленість системи “Асістанс” . . . .242

10.2. Умови страхування за системою “Асістанс” . . . . .245

10.3. Практика страхування за системою “Асістанс”

в Україні . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .254

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .265

Глава 11. МОРСЬКЕ СТРАХУВАННЯ . . . . . . . . . . . . . . . . .267

11.1. Нормативно,правове забезпечення морського

страхування . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .267

11.2. Страхування вантажів . . . . . . . . . . . . . . . . . . . . . . . . . .277

11.3. Страхування корпусу й оснащення

перевізних засобів . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .288

11.4. Страхування відповідальності судновласників . .294

11.5. Страхування контейнерів . . . . . . . . . . . . . . . . . . . . . . .304

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .308

Глава 12. СТРАХУВАННЯ ПІДПРИЄМНИЦЬКИХ

РИЗИКІВ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .310

12.1. Основні види страхування . . . . . . . . . . . . . . . . . . . . . .310

12.2. Страхування підприємницьких ризиків у США .319

Питання для самоконтролю . . . . . . . . . . . . . . . . . . . . . . . . . .327

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