Hello neighbor from vtb 24. Hello neighbor! VTB Insurance
Housing is the greatest wealth of a person. However, the apartment can be threatened by many factors: fire, illegal actions of neighbors, burglary and others. To protect your property, you can insure it. V this article Let's take a look at the insurance programs offered by VTB to its clients.
How to profitably protect your home?
Repairing an apartment or house is very expensive, and the risk of losing your home is high. The probability of property destruction increases if, for example, it is rented out. In this regard, the best option for protecting your apartment for the owner is its insurance. It should be remembered that not only the health of citizens is subject to insurance (for example, in the case of cancer and other critical diseases), but also property individuals. In accordance with federal law property is insured only by concluding contracts with private organizations.
VTB apartment insurance programs
VTB offers several types of property insurance programs.
The name of the program | Summary |
---|---|
Advantage for home | Insures the house against any disasters |
Advantage for the apartment | Assumes protection for a citizen's apartment |
Advantage for technology | Insures household appliances located in a person's home |
advantage for furniture | How to avoid problems due to the loss of furniture |
Apartment Optimal | The apartment is insured, as well as protection against the automatic loss of all contents in it, for example, in connection with a fire |
However, the Hello Neighbor Program is the most versatile and eliminates all risks of damage due to loss or damage to your home.
Real estate and property insurance program “Hello, neighbor!”
“Hi, neighbor” from VTB insures a citizen’s house or apartment. The objects of insurance include:
- infrastructure in full;
- home decoration;
- new household appliances;
- any movable property, located inside the house or apartment (for example, furniture and bedding);
- civil liability of the insured person, which occurs if damage is caused to other persons through the fault of the policyholder.
The following event is recognized as an insured event:
- flooding;
- catastrophe or other natural disaster;
- theft, arson, robbery or other actions that caused harm on the part of other persons;
- an act of terrorism;
- breakdown of electronic equipment and others.
If an insured event occurs via “Hi, neighbor” from VTB, the client must call a special telephone number for communication and report the incident. After that, you must act in accordance with the instructions of VTB employees.
Activation of the policy "Hi, neighbor"
It is worth recalling that the purchase of “Hi, neighbor” from VTB does not mean that your property is insured. It is necessary to activate the policy. This must be done within 30 days of purchasing the policy.
You can buy insurance not only for yourself, but also as a gift to any other person.
To activate “Hi, neighbor” from VTB, you need:
- Go to the official website of VTB (vtbins.ru) in the "Individuals" section.
- In the "Property" tab, select "Hello neighbor".
- Find the line “Activate policy”.
- information about the insurance policy: its number, activation code, validity period;
- information about the insured person (last name, first name, patronymic, date of birth, gender);
- email to which the activation code will be sent;
- contact phone number and place of residence of the insured.
After activating the policy, your property will be insured under the Hello Neighbor program.
Required documents
A feature of insurance under this program is that practically no documents are needed to conclude a contract.
The client must provide only an identity document and a certificate of ownership of the property. Even real estate appraisals under the program: “Hello, neighbor” do not need to be done.
Service Tariffs
Depending on the volume of the insured property, payments and the final insurance premium, the tariffs of the Hello Neighbor program vary.
Standard - economy option for property protection
This rate is the cheapest. In the event of an insured event, the client will receive one hundred thousand rubles of compensation for paying for the repair and repair of communications, as well as for compensation for damage in case of breakage of furniture and electrical appliances.
Comfort - classic level
This program implies the same range of insurance, but the amount of compensation increases to 200 thousand. In addition, for subscribers who have chosen this type, damage will also be compensated in case of flooding of the apartment.
Premium - maximum protection
This is the most expensive version of the “Hi, neighbor!” program, however, with its help, an individual receives the maximum degree of protection: the amount of compensation in the amount of 200 thousand, VTB also compensates for the cost of hotel accommodation in the event of a complete loss of housing.
How to calculate the cost?
The price of insurance is made up of the following factors:
- filling the insurance itself;
- the size of the property;
- contract time.
The exact calculation of the cost will be known in each case.
Algorithm for buying online
Polis "Hello, neighbor!" You can buy both on the official website of VTB and from intermediaries.
However, the easiest purchase option would be to issue a policy on the VTB website. To do this, you need to go there, select the “Property” tab, then “Apartment insurance”. After that, the system will prompt you to enter housing data:
- total area of the property;
- location of the apartment;
- package of services;
- additional service if needed.
Then the program calculates the final sum insurance policy on “Hi, neighbor” from VTB. Next, you need to enter specific data about the property and its owner, specify the period of insurance. All this information will be included in the policy.
After that, you can pay for the policy with a card, and the insurance contract “Hello, neighbor” from VTB will become concluded.
Difficulties in concluding a contract and ways to solve them
In accordance with the insurance rules, the owner of the “Hello Neighbor” program must be an adult.
But what about a situation where the apartment belongs, for example, to a 12-year-old citizen? In this case, the insured should not be the child himself, but his legal representative (usually one of the parents).
If you need protection from accidental troubles, then the most optimal choice- This is the policy "Hello, neighbor!" VTB Insurance. This product offers coverage for the most common risks and is relatively inexpensive. The main advantage of the policy is that it does not take a lot of time to issue, you just need to come and purchase it as a product in a store.
Product features from VTB Insurance
The insurance program "Hi, neighbor!", which is implemented by VTB Insurance, is positioned as a convenient and quick solution if you need insurance against basic risks. There is no property appraisal to purchase this policy and no paperwork is required from the buyer. Maximum - they can ask for a passport to make sure that the purchaser of the policy is a citizen of Russia.
You can take out insurance for yourself or give it to someone. The main thing is to activate the policy "Hello, neighbor!" VTB Insurance on the official website of the company and indicate the information of the beneficiary.
When buying a policy, the client will receive a contract, a special code and a brochure explaining the features of the Hello Neighbor insurance! VTB, including how to receive payment and in what cases.
This policy is convenient in that the client does not need to choose insurance risks, overpay for unnecessary options, delve into complex legal language. The product already assumes a basic set of options that are suitable for most bank customers.
The video explains in detail the circumstances in which property insurance can be useful and even necessary
Risks of damage to housing - apartments or houses
According to the rules of "Hi, neighbor!" VTB Insurance can provide insurance coverage for the following objects:
- interior decoration of the house;
- infrastructure elements;
- Appliances;
- textile products, furniture and any movable property;
- civil liability (for example, if the policyholder accidentally flooded the lower tenants and now must pay for their repairs).
As you can see, the risks are quite real and fairly common. Under the policy, you can insure a room or apartment, private house or you can't give. The most commonly used policy is "Hello, neighbor!" VTB 24 for apartment insurance. Protection is initiated when the following events occur:
- fire, explosion, including gas;
- flooding or other exposure to liquid;
- natural disaster or man-made disaster;
- robbery, theft, deliberate arson and other illegal actions by third parties;
- falling objects and other impacts.
The cost of the policy "Hello, Neighbor!"
The client himself can choose what will be the cost of the policy "Hello, neighbor!" VTB Insurance. There are three options to choose from, including the same risks, but differing in the sum insured (these are the funds that the policyholder will receive upon the occurrence of an event stipulated by the contract).
Thus, the higher the initial cost of the policy, the more insurance premium. Since the property under the VTB 24 Insurance program "Hello, neighbor!" does not need to be evaluated, then the client does not bear additional costs. If he has a lot of expensive property, it is better to buy more expensive insurance. Otherwise, the insurance payment will not cover the potential costs.
How to buy a policy
VTB 24, Post Bank and partners
Purchasing the Hello Neighbor! VTB Insurance is available at several retail outlets and banking institutions at once:
- at the office of the insurance company;
- in all banks of the VTB network: VTB 24, Bank of Moscow, Post Bank;
- in partner banks: Raiffeisenbank and Sovcombank;
- in the Euroset, MTS, Beeline, Rostelecom communication stores;
- in household appliances and electronics stores "Know-how!", "Eldorado" (when buying any product, managers, as a rule, offer to buy an additional policy - this can be useful, especially if the equipment is purchased on credit).
It is also possible to purchase the policy "Hello, neighbor!" VTB Insurance at the Russian Post and some other partners of the company. The only thing that cannot be done is to buy a policy online. It is necessary to get a special code at the points of sale and activate "Hello, neighbor!" VTB Insurance on the official bank of the company.
Requirements, rules and reviews
As already noted, there are no special requirements for the buyer. However, there are restrictions on the identity of the insured person and on property. So, the user must be an adult citizen of Russia, and the insured property must be subject to cost restrictions.
Judging by the reviews of VTB Insurance "Hi, neighbor!" there are no special difficulties with issuing a policy, as well as with receiving insurance payments.
However, the owners of an insurance product sometimes have a question about how to return the policy "Hello, neighbor!" VTB Insurance. Unfortunately, this cannot be done, since the policy is a finished product of one-time use. After activating the code, the agreement between the client and the insurance company comes into force, and it is no longer possible to terminate the contract, having received the premium paid back.
Subsequently, if the insurance needs to be renewed, you need to buy a new policy.
Insurance activation
But buying a policy is not enough, you need to “launch” it. Not everyone knows how to activate "Hello neighbor!" VTB Insurance. This is done on the official website of the insurer, namely on this page: https://www.vtbins.ru/individual/property/privet/activateprivet/
The policyholder must provide:
- policy number;
- activation code;
- the validity period of the policy (all this data can be found in the contract);
- information about yourself;
- email address and phone number;
- address of the apartment or room to be insured.
You must specify a real e-mail, as it will receive:
- link to activate your personal account;
- the policy itself, which can be printed or saved in in electronic format.
A month after activation, the policy will become valid. The insurance cover is valid for 1 year.
After the activation of VTB Insurance "Hi, neighbor!", A month of "waiting" begins, during which the policy will not be valid. This is done on purpose to prevent abuse of insurance.
conclusions
Thus, the policy "Hello, neighbor!" VTB Insurance is a very convenient tool for those who need affordable and simple protection of property and personal liability. Insurance payments under the policy are fixed, but their size is enough for the needs of the average client. You can choose the product that suits your price. However, the acquisition itself does not provide any protection, since the policy must be activated on the official website of the insurance company. After a month of "waiting" the contract will enter into full force.
VTB insurance "Hi, neighbor!" - a policy that will help insure your own property and real estate. Its advantage is that you can gift it to your friends and relatives. To purchase it, you just need to visit one of the branches of VTB, Bank of Moscow, Post Bank, Raiffeisenbank, Euroset or MTS.
If you sign up for a Hello Neighbor policy, you can always count on:
- Compensation for losses due to an insured event.
- Compensation for damages to neighbors if you flood them.
- Compensation of funds for the repair of real estate at the bay.
- Compensation for the purchase of new equipment in case of its theft.
If you want to take out insurance for the VTB 24 apartment “Hi, neighbor!”, you do not need to invite appraisers for an inspection or submit any documents to the bank.
The policy covers losses for:
- Household, audio and video equipment.
- Clothing and equipment located indoors.
- Preservation of interior finishes.
- Preservation of furniture and interior items.
- Civil liability to neighbors.
Thanks to such insurance, you can not worry about losses caused by:
- Fires or other exposure to high temperatures.
- Flooding, flooding, burst pipes.
- Actions of an unlawful nature.
- Explosions of communication systems.
- mechanical impact.
- Lightning strike or other natural disaster.
When you buy for yourself or your loved ones the policy "Hello, neighbor!" from VTB insurance, it is not automatically activated. It must be self-registered. The validity of such an agreement will be 12 months from the date of registration. Please note that only one policy can be issued for your real estate.
In order for the insurance policy to take effect, it must be activated. Not all people, especially those to whom it is given, understand this need. In order for it to take effect, you need to visit the official website of VTB insurance “Hi, neighbor!” , where in without fail you must provide the following information:
- The validity period of the policy and its number.
- Personal data.
- Activation code.
- Contact details and email address.
- Property address.
It is very important to provide correct contact details, as any changes will be sent to them. Also check the correctness of the email address you wrote, because an activation code will be sent to it, as well as an insurance form that you will have to print.
Usually, the activation of the policy occurs one month after the data is entered. This is done to minimize the risk of abuse of insurance by the user. The duration of the policy is 1 year.
Program features
VTB insurance “Hi, neighbor!”, Reviews of which you can easily find on the net, is an option for those who need to protect their property from any risk without difficulty and any red tape. The advantage of such insurance is that there is no need to assess the house and provide any documents. You will need one passport. It is necessary for the bank employee to make sure that the buyer is a Russian citizen.
Insurance policy "Hello, neighbor!" you can buy and not for personal use, you can give it to your relatives and friends. Activation occurs at any time convenient for you. To do this, you just need to go to the site and enter the data.
When you purchase a policy, you will be given a contract and a brochure detailing any features of Hello Neighbor insurance. An access code will also be generated for you, which you need to keep until the end of the insurance period. Be sure to ask the bank employee in what cases you can receive a payment, as well as what amount of compensation you can count on.
The advantage of such a program is the complete absence of the need to calculate insurance risks. This significantly reduces the cost of the policy. You do not need to delve into all legal terms - insurance includes a basic set of options, which is enough for any bank client.
Price
The cost of the insurance policy "Hello, neighbor!" determined by the client. All packages presented by VTB have the same risks, but differ in the amount of insurance. You determine how much money you receive.
Cost, rub. | Maximum payout amount | |
Damage to property, rub. | Civil liability, rub. | |
3900 | 600 000 | 300 000 |
5000 | 700 000 | 400 000 |
12000 | 1 250 000 | 750 000 |
The higher the cost of insurance, the more money you will receive upon the occurrence of an insured event. Keep in mind that when applying for such a policy, you will not have to spend money on assessing your property, that is, there will be no additional costs for you.
You can decide for yourself which policy will be enough for you. However, we strongly recommend that you take out maximum insurance if your home has expensive equipment or modern repairs.
How can I buy insurance?
To purchase an apartment insurance policy from VTB "Hi, neighbor!", You need to visit one of the many points of sale.
For now, you can do this:
- At the office of the organization.
- In the salons of mobile operators.
- In banks that have entered into partnership agreements with VTB.
- In all branches of VTB.
- In Eldorado and Know-How stores.
There you can also ask the employee to activate your policy. If you are not sure about the correctness of your choice, be sure to read the reviews of VTB insurance “Hi, neighbor!”. You can do this on the official website. At the moment, the company also sells policies online. Such high availability makes the policy truly the best choice for those who value their time. With the help of such insurance, you will be able to fully protect your home from unforeseen risks.
Requirements and rules
Buy an insurance policy "Hi, neighbor!" from VTB insurance is extremely simple. To do this, you do not have to prepare a package of documents in advance or fill out any applications. The bank does not impose any requirements on buyers, anyone can purchase insurance. The only thing that is put forward to users is the requirement to immediately report an incident. It is also strictly forbidden for a person to independently adjust accidents in order to receive an insurance payment.
It is strictly forbidden to change places, remove or supplement the picture of the incident until the apartment is inspected by a bank employee. It is important that everything looks the same as it did the first time after the incident.
The only exception is if the current situation threatens the life and health of people. If you strongly disagree with the result of the assessment, you have the right to challenge it with the help of an independent examination.
In case of theft of property from the apartment, the bank reimburses cash as a compensation. In cases where the police manage to return it intact, the client undertakes to return the money previously accepted by him in full. The bank has every right to conduct an examination that would verify the testimony of its customers. This is also acceptable if access to property is required.
In order to feel secure in various force majeure situations, a “Hi, neighbor!” Policy has been created. VTB Insurance offers this program against the most demanded risks, which has quite affordable price. To purchase it, you will not need to spend time on paperwork, but just visit the branch and immediately pick up your purchase after payment.
Features of the policy "Hello, neighbor!" from VTB Insurance
The demanded program provides coverage in the event of the occurrence of standard risks. You can use the insurance yourself or arrange it for another person in the form of a gift. One of the main conditions is to activate the policy on the website of the organization and enter the data of the beneficiary.Study of VTB programs 24 Insurance "Hi, Neighbor!" - conditions, reviews confirm that the launch of the policy is extremely simple.
At the time of purchase of insurance, an information brochure, a contract and a code to activate the service are issued.
As the main advantage of this program, it should be noted that there is no need to study the contract in detail, select insurance risks and overpay for options that are not required in real life. The service provides for a standard list of options.
The video provides information in which cases property insurance is essential:
Risks covered by insurance
Objects that are subject to insurance protection:- Appliances;
- interior decoration of the premises;
- furniture, movable property, textile items;
- parts of the infrastructure;
- civil liability (flooding of residents from below and the need to repair their housing).
Home insurance coverage includes civil liability in front of neighbors, but until the onset of the insurance situation, the policy must be in an active state.
Risks that include this program are considered to be in the highest demand. You can insure an apartment or a room, but not a cottage or a private house. The most common option is apartment insurance.
Circumstances for obtaining insurance coverage:
- flooding or other damage to property from liquid intrusion;
- fire, explosion, including gas;
- man-made disaster or natural disaster;
- falling objects and other impacts;
- theft, deliberate arson, robbery and other illegal actions of other persons.
The cost of the policy "Hello, Neighbor!"
At the time of purchase, a choice of the price of this policy from three options is provided. All of them include a list of the same risks, which provide for different insurance payments(money that will be provided to the policyholder in the event of an insured event). The price depends on the amount of insurance coverage, and the set of risks is the same. In order to pay out insurance indemnities of a large size, it will be necessary to initially pay a large amount. Under the Hello, Neighbor! program, which is offered at VTB 24, you will not need to assess property and pay additional funds. If you have expensive property, it is better to give preference to more expensive insurance.Where can I get insurance
Options for purchasing an insurance policy:- at the office of the insurance institution;
- in VTB Group organizations: Bank of Moscow, Post Bank, VTB 24;
- in the salons of MTS, Euroset, Rostelecom, Beeline;
- in organizations that are partners of the bank: Sovcombank, Raiffeisenbank;
- in the centers of electronics and life. “Know-how!”, “Eldorado” equipment (the policy is offered additionally in case of purchasing equipment on credit from a bank).
Buying "Hi Neighbor" insurance to protect the apartment, it is possible at VTB branches, and the procedure for launching it takes place on the VTB Insurance website.
In addition, you can buy insurance at the Russian Post. It is not possible to purchase a policy remotely. A special code is required, which is issued during the period of its purchase at points of sale.
Rules and requirements
At the time of implementation, certain restrictions are provided. The owner of the insurance must have Russian citizenship and be of legal age, and the property must correspond to the price of the policy. Based on feedback from customers who have used the Hello Neighbor policy, there are no difficulties in purchasing it and paying out insurance coverage.Customer feedback confirms that the policy begins to operate after the activation procedure, and coverage payments occur without any problems.
Some insurance holders are wondering if it is possible to return the Hello Neighbor! policy. from VTB Insurance? This is not provided, because as a result of activation, an agreement begins to operate, according to which it is impossible to return the deposited funds or terminate the contract.
In order to extend the period of validity of the insurance, you will need to purchase a new policy.
All the details and details on insurance "Hi, neighbor!"
All details and conditions - on.Insurance activation
In order for the service to start operating, it will need to be launched by an insurance company:Policy activation information:
- special code;
- insurance policy number;
- personal information;
- validity;
- address of the insured object (room or apartment);
- phone number and email address.
Detailed information about Hello Neighbor! and its launch are available on the VTB Insurance website.
Information will be sent to the indicated e-mail:
- policy in electronic form, which, if necessary, can be printed;
- link to register in your personal account.
Policy "Hello, neighbor!" help the property owner in case of emergency. The insurance program includes many risks of the property sphere. To purchase insurance, you must contact the bank branch, pay and immediately receive the product.
Residential property is often subject to damage beyond the control of the owner. Policy "Hello, neighbor!" promises monetary compensation for the most common risks. It is doubly pleasant that you can buy an insurance product both for yourself and for a friend or relative as a gift.
After the purchase, within one month, the service should be activated. Policy "Hello, neighbor!" is in the box, and there is also an information brochure. The employee also informs the purchaser of the activation code.
Insured events included in the policy "Hi, neighbor!" VTB are the most in demand.
The subject of insurance is:
- Compensation for damage in case of flooding of neighbors;
- Repair of property and furniture;
- Appliances;
- Parts of the interior;
- Textile items, personal items.
It is worth noting that there are exceptions. If the client was flooded by neighbors from above, and his protection has not yet been activated, this case is not recognized as insurance.
The house cannot be insured. The insurance covers either an apartment or a room.
Insurance compensation distributed in the following cases:
The problem should be reported immediately. To do this, the client needs to contact an employee of the company and follow the instructions received. The phone number is indicated in the insurance contract, as well as on the product box.
Service Tariffs
If a person decides to insure property under the Hello Neighbor program, he or she has a choice of the following types of policy:
- Standard (economy option). It has a minimum price, and when an insured event occurs, the user receives payment for the restoration of communications and payment for repairs. The same amount is paid for repairing household appliances and replacing furniture;
- Comfort (classic look). This type of policy is reimbursed from the first only by the amount of insurance coverage. The program also includes the risk of flooding the apartment.
- Premium (maximum protection). This is the most expensive program, which defines a high level of protection. The insurance indemnity is a large amount, and in the absence of living space, the bank pays for the accommodation of the policy holder in a hotel.
Policy cost
Set the value of the property adequately. It depends on the price of the policy.
The more the company is willing to pay for an insured event, the higher the cost of the program. Before buying a product, it is not necessary to conduct a property assessment. There are also no additional costs.
Cost Maximum amount (payment in case of damage to property) Maximum amount of payment (civil liability) RUB 549 RUB 100,000 RUB 50,000 RUB 799 RUB 150,000 RUB 70,000 RUB 1,599 RUB 300,000 RUB 200,0002 RUB 999 RUB 500,000 RUB 250,000 RUB 4,999 RUB 750,000 RUB 350,000
Where does insurance take place?
You can get insurance almost anywhere.
- The best way to do this is with an insurance company. Employees have information on the product, they are ready to advise the client and give comprehensive answers to all questions.
- It is convenient to make a purchase in communication stores. In addition to some business (paying for the phone), you can buy insurance.
- In VTB Group banks, employees are also informed and understand insurance issues. They can help with layout.
- Electronics stores offer an insurance product in addition to the credit issued for their product.
- Even post offices have a Hello Neighbor policy for sale.
Buying a policy remotely
It is convenient to purchase the product in the office and use the advice of an employee. Due to lack of time, not all customers can come to the point of sale. A great feature has been created for this: online registration. You need to start buying on the official website of VTB. Insurance Company opens a tabbed page, easy to use.
The process looks like this:
“Property” → “Apartment insurance” → “Housing data” (area of the apartment, its exact address).
The program calculates the amount of the insurance policy automatically.
It remains for the client to decide on the period of insurance. The data entered by the buyer is entered into the policy. The next step is to pay by card. And the client becomes the owner of the policy "Hello, neighbor!".
Documents for registration
To apply for a policy, you will need a basic package of documents: a passport of a citizen of the Russian Federation and a certificate of registration of property rights.
Requirements and difficulties in concluding a contract
Only an adult citizen of the Russian Federation can take out insurance. If the homeowner is a minor child, the service is issued by his legal representative.
The policy is non-refundable, because after the purchase, the funds are not returned, but loan agreement impossible to terminate.
Extension of the insurance program is not provided. You need to purchase another policy.
Policy activation
The policy begins to operate only after passing the activation process. This option is available on the official website of the company.
- Policy number. It is indicated on the policy, it is also in the contract.
- Activation code. Was sent to the phone number when buying.
- Buyer data. Entered in accordance with the passport.
- Property address. An exact location address is required.
- period of insurance. Installed by the client.
- Contacts for communication. It is better to specify several phone numbers.
- E-mail.
An information letter is sent from the insurer to the specified e-mail address, which contains a copy of the policy (should be printed) and a link to the personal page (for registration).
Insurance begins to operate one month after activation. This condition introduced to prevent fraud. The term of protection is one year.
Reviews about insurance “Hi, neighbor!”
80% reviews of insurance product are positive. Users believe that issuing a policy is easy and short. This saves a lot of time. It is also noted that in case of damage received, compensation often covers the entire amount of the damage caused. Positive statistics encourage users to purchase the product again after the insurance expires.
Conclusion
Worried about their property, the owners buy a "Hi, neighbor!" policy. The presence of the policy guarantees the peace of mind of the owner. Insurance VTB company will always help in case of problems.
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