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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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