Not so long ago services of insurance
were included in our life and today nobody can be surprised with that your
machine is insured on its full cost from stealing, damage by hooligans or
other troubles. In view of introduction of obligatory insurance of a civil
liability by motorists presence of the insurance at all automobiles becomes
business of the near future. And whether it is possible to insure a
cellular telephone?! You see as practice shows, they recently most
frequently disappear at owners. Steal devices both on a beach, and in the
markets from the buyer, and it is simple in transport. Frequently drag
phones teenagers as for them it is fast money, you see to sell phone is
possible for everybody. Further he with pleasure will be connected by any
operator of cellular communication, only buy the contract. Also not a
problem, it will be possible to buy
absence of the power device in one of interiors of communication for rather small money. If today when the
cellular telephone costs rather small money, his loss happens, is
sensitive, that will be tomorrow when phones of the third generation not
only worth on the order will appear more, but also allowing similarly to
electronic plastic cards to store in
them money. In this case loss of the phone will be wrapped up not only loss
of the device and SIM cards , but also money stored in it . How it will be
possible to secure itself against such troubles?!
Already today some insurance companies
in our country will test various variants of the insurance of mobile
phones. As an example to them in it is served, as a rule, with experience
of the western insurance companies which render similar service within
several years. In the elementary case the circuit of insurance looks as
follows, buying the phone, you automatically at purchase or later conclude
the contract of insurance which may include such items as insurance of the
phone upon technical malfunction of the phone ((spoilage) or insurance upon
theft. And if in the first case to prove approach of an insurance case to
you it will be necessary to present only the conclusion of the service
centre in the second the information from police that have robed you
already is required. The most part of contracts of insurance of phones
falls to contracts connected with a possible spoilage of the device. Action
of similar standard contracts is distributed no more than to 3 years and in
any measure may take the place contracts of service which smaller term
operates. Strangely enough, but the maximal payments on the size in case of
approach of an insurance case have not on the first, and for the second
year. Cost of the insurance contract makes about 1,5-2 percents from cost
of the phone per one year. Well and last, important addition, similar
insurance contracts consist only for not free-money phones, i.e. for
devices for which the proprietor has paid full cost.
In our country insurance of phones has
the specificity. It is necessary to note, that large players of the market
of insurance services, prefer to not work with the population and focus the
efforts to the corporate market. Exception makes insurance of automobiles
and medical insurances which are in great demand among private persons.
Accordingly and this sector of the market is not interesting to them yet
owing to the small volume by the current moment, despite of its
perspectivity and the big volume in the near future. But as they say,
piously the place is empty it does not happen, and vacum was quickly filled
with the small companies which react to market conditions more flexibly.
So, the instigator became a society of a mutual insurance New Holland which to the first in Saint Petersburg has offered the insurance policies covering damage from theft of a
cellular telephone. Also, among services of a society there is a credit
support of the account of the client, thus the client may expect for the
sum up to 50 US dollars which will be fixed on his account. The system of
insurance in New Holland and similar type the organizations is under
construction on a combination of a principle of direct insurance on the
basis of membership and the conclusion of contracts between a society and
his members. Among initiatives of the given society there is also a club of
users of mobile communication under
the name the GSM-subscriber. Membership in club means automatic reception
of the insurance from theft of the phone, the demand line of credit, and
also SIM a card insured from loss or
theft. The opportunity concerns to number of privileges of members of club
to get and connect phones by installments also, but it is natural, that in
this case cost of devices is a little bit higher.
One more example, the company _ Mobile councils _ together with the
insurance company _ the ice CRUST - CENTRE _ carries out the free-of-charge
insurance of owners of the phones acquired at her offices. The insurance policy protects
from a robbery, theft and loss for the term of about one month from the
date of purchase. A unique condition - the owner of the phone should not
neglect the standard safety measures.
TARIFF RATES on insurance of means of mobile communication (for one
year, in % from the insurance sum)
RISK TERM of OPERATION (year)
0-2 3-5
Damages 6 8
Illegal actions of the third parties 4 4
Full package 8 10
Deterioration of the terminal for 1 year of operation - 5 % of-8 %
All given examples of insurance of phones only a first signs,
shortly this service becomes more claimed consumers. While it would be
desirable to stop on insurance to risk manufacturers and sellers of
cellular telephones.
The large companies making and selling cellular telephones, as a
rule, have the corporate agreement on insurance service with any of the
western companies. Examples when services of our, Russian insurance firms
to me were used is not known. Insurance contracts for these companies, as a
rule, cover all possible troubles,
since a fire and finishing from theft of phones and acts of nature which
will result in failure of deliveries. But if here all is clear, let's stop
in firms sellers of cellular telephones and we shall look what insurance
policies, they buy.
By and large trade in cellular telephones is not enough, than
differs from trade in any technical products, as allows the insurance
companies to apply the fulfilled circuits. In particular, whether the
majority of the large Moscow insurance companies
at a question I can insure a cellular telephone as the physical person at
once answered, no. Such kind of the insurance was possible only in the event that the domestic
property in which list might get and a cellular telephone was insured. But
it is not absolutely convenient, what for was to insure everything if one
kind of the insurance is necessary only. And on a question on corporate
service of shop of interior of communication all at once with pleasure
began to tell about advantages of an insurance policy from their company.
In general the insurance looks as follows, on the average from 1 up to 1.5
percents from cost of the insured property and the equipment, the covering
occurs at theft, flooding, a fire and force-majeur. Similar conditions of
insurance are applied to shops completely other structure, so here cellular
communication not an exception to the rules.
At last, it is necessary to repeat, that with growth of the price
for cellular telephones, such service as insurance of risk by physical
persons becomes popular, including in our country. It is quite possible,
that under influence large the insurance companies operators will begin to
enter the account of the stolen devices and to not connect them as in this
case the insurance companies can collect from them money. But however we
about it learn completely precisely
and in fastest time.
Murtazin Eldar
Ìóðòàçèí Ýëüäàð ( eldar@ixbt.com )
It is published - July, 31, 2001.
Comments? Amendments? Additions?
eldar@ixbt.com
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