Insurable interest

A measure of material interest a person or entity for insurance. Carriers of insurable interest are the insurers and insured. For property insurance with an interest expressed in the value of insured property. In personal insurance, insurable interest is to ensure receipt of the sum insured in case of events caused by the policy conditions. Available insurable interest specified in the insurance amount.

Surveyor

Highly representative of the insurer is carrying out inspection of the property to be insured. At the conclusion of the surveyor insurer decides to conclude an insurance contract. In foreign practice as a surveyor perform classification societies, as well as specialized firms on fire safety, labor protection, etc., interacting with the insurer on a contractual basis. In contrast adjusters surveyor inspects the property before the insurance contract.

Insurer

Organisation (legal entity), generating insurance, assuming an obligation for a fee to compensate the policyholder or other person to whom the signed insurance, losses or pay the sum insured resulting from an insured event resulting in the contract. In the international insurance practice to designate the insurer also uses the term underwriter. The insurer shall enter into specific relationships with the insured. In their actions, creating these relationships, it is guided by the existing insurer and in society in general insurance interests.

Goodyear on the side of the consumer: Yesterday, Today and Tomorrow

In late 2009, the European Parliament adopted the Regulation № 1222, according to which all produced in the European Union tires from November 1, 2012 will receive a new label with an indication of the most important consumer parameters: fuel economy, the level of grip on wet surface, and acoustic comfort. Concern Goodyear Dunlop ahead of the time frame of this project and is ready to provide its dealer network with all necessary information for each product by October 2010, as the accompanying printed materials. The consumer receives all the data available from the leader of the tire industry to take a chance optimal choice due to the extended set of information services.

Why when buying refrigerators, washing machines, microwave ovens and other appliances you have a right to know the amount of electricity consumed, noise and environmental impact of products, and the choice of tires deprived of such opportunities? After all the above mentioned factors affect the attitude toward the product and make it possible to save not only at the initial stage of operation (acquisition), but also throughout the period of validity. "Criteria for safety, quality production, its cost and environmental impact have a devastating effect on increasing the loyalty of consumers - said Jean-Pierre, Josette, director of technology for passenger tires Goodyear of EMEA. - We welcome the new marking and are prepared to provide all the information about each product, as convinced about the effectiveness of these measures. The more attention we pay security and efficiency in the development of new technologies, the higher the standards of the industry, and this should know absolutely everything, including consumers and active in the marketplace. "

The new marking tires: read between the lines.

1 - Adhesion on wet surface. Evaluated items from A to G, where A - the best adhesion, G - the worst. The higher the figure, the shorter the braking distance car in rain conditions.

2 - Fuel efficiency. The index is directly related to the level of rolling resistance. Evaluated points from A (highest efficiency) to G (the lowest, but allowed the Rules).

3 - Noise. Acoustic comfort is measured in decibels and is accompanied by a picture of one, two or three sound waves. One wave corresponds to the exemplary performance in noise (at least 3 dB below the permitted level of the future), three waves - the relevant standards.

For the automobile tire industry trends quality product means the first set reached the factors that directly affect the basic characteristics of tires: a grip on the wet surface, the coefficient of rolling resistance, ride and acoustic comfort. All these criteria are mentioned in the new regulations and will be available to customers using the new labeling standards, according to the results of tests conducted within the company. Further journalistic tests and independent expert organizations will contribute to the qualitative growth of production and increase producer responsibility. There comes a tipping point - the best of the best representatives of the tire industry will be worth choosing a wide range of consumers, who are, day by day. Are you prepared for the challenge Goodyear Dunlop? Specialists Group utilizes the latest advances in materials and technologies that affect the performance of tires in a comprehensive vehicle safety and consumer value of products. Each product not only meets international standards of quality, but also largely influences the development of the entire industry. For example, one of the representatives of the summer product line Goodyear - high-tech series EfficientGrip - thanks to the unique range of advanced solutions showed the best results in its segment:

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Independent tests have demonstrated improved handling vehicles equipped with Goodyear EfficientGrip, with a reduced braking distance on any surface;

Technology FuelSaving reduced rolling resistance coefficient at 13%;

patented layer CoolCushion allowed to reduce the weight the tire;

unique polymer composition increases the service life by 25%.

Goodyear EfficientGrip is a shining example of engineering a compromise between the XXI century, refined handling and a comfortable, safe, traffic with record levels of profitability. A kind of standard, which purchased the automotive industry leaders who care about the consumer values. A unique series has found a response among the masses and will go down in history as the first official partner of serial bus electric Renault ZE (Zero Emission).

About Goodyear

Company Goodyear - the world's largest tire products. The staff of the company makes about 71,000 people. The company manufactures its products in more than 60 plants located in 25 countries worldwide.

High-tech Goodyear set industry standards for over 100 years. Specialists Goodyear invented the first innovative bus structure RunOnFlat, which allows drivers to continue the movement in the case of a puncture.

Principles of the European Auto Insurance for you

In the countries of the European Union there are no requirements according to which the general and special conditions of policiesof assurance should be preliminary approved supervision body. Besides, the insurance companies independently define the size ofinsurance awards. Thus, the main task of bodies of supervision is the control over financial well-being of the insurance companies. Itmeans that in the EU countries now there are no fears of that insurance awards will be or are too overestimated (i.e. become inaccessible to the majority of insurers), or are extremely underestimated (i.e. will lead to that insurers cannot pay all declaredlosses).

In the European Union countries to be insured - rather favorable employment. Insurers are responsible for damage of property of thethird parties by the sum more than 120 thousand dollars, and for a damage health - has more than 600 thousand dollars. By rules of some European countries the real damage from failure in general is subject to compensation, that is will pay it is so much, how many it is required, for example insurers should pay lifelong disability pensions. But the most important thing, that in Europe to anybody and in a head does not come «to gain money» on the auto citizen, annual receipts by this kind of insurance make all about 40 million euro. As a rule, in the European countries, the insurance companies pay to clients about 90 % of the money received from them, living for percent from their placing, and at us the insurance companies pay to clients on the average about 6 %.

For the EU countries there is a principle of a uniform European insurance policy which means, that for the cars moving from one EUcountry another, the separate certificate of insurance «Green card» as the award paid by the driver for insurance of a civil liability in its native land any more is not required, also covers its responsibility in any other country (article 2, the First Instruction on auto insurance). However, the certificate «Green card» if it goes to the third countries which have not signed «the Multilateral guaranteeagreement between national bureaus of insurers» is required to the driver, but have signed «the Uniform agreement between a bureau» or so-called «the Agreement on the Green card» (article 7, the First Instruction on auto insurance). All insurancecompanies which are engaged in insurance of a civil liability of owners of motor transport in one EU member state, automaticallyand necessarily are members of the Bureau the Green card.

In each EU country the so-called Guarantee Fund is created. Its means are used for the indemnification, suffered as a result of incident with participation of the unstated or not insured car. All insurers working in the market of insurance, at once andautomatically become members of the created Guarantee Fund. Thus the dissatisfied party can address directly in Guarantee Fundfor the indemnification. The principle of a uniform insurance policy for EU member states means, that henceforth to move by the car from one EU country in another, it is not necessary to buy each time separate «a green card». However, it is necessary for drivers to receive such card when they go to the third countries (the countries which are not members of EU). All companies working in themarket of insurance of the EU countries, automatically become members of the Bureau «Green card».

The supervision body bears responsibility for the control of a financial condition of the insurance companies. In the EU countries thesupervision body conducts constant monitoring of following indicators: the minimum size of the authorized capital (not less than 3 million Euro), marge solvency and the size of technical reserves.

Reinsurance questions in auto insurance also have important value in achievement of the purposes of supervision and maintenance of success of all system OSAGO. The matter is that the companies which are engaged in reinsurance, not only provide financialstability of the insurance companies, but also transfer to insurers valuable experience in a part of settlement of losses and formation of reserves.

Besides, in EU the special system of settlement of the losses suffered in any country, distinct from that where there is a constant residence of the insurer and where its insurance company is registered is created.

All insurance companies should develop procedures of consideration of complaints arriving from insurers, to create within the limits of the companies system of the notification of employees and agents with which are dissatisfied for whatever reasons, and, at last, to define time frameworks of reception from them answers.