Insurance of contents of bank cells for the present doesn't provide mass inflow of clients

Insurance of contents of bank cells for the present doesn't provide mass inflow of clients

Today insurance of contents of safes to the insurance companies is uninteresting, as doesn't provide mass inflow of clients. The system of complex bank insurance widely applied abroad could rescue position, but at us it gets accustomed hardly.
Insurance of contents of bank cells is, as a matter of fact, property insurance, but rather specific. Property policies of assurance cover the losses caused to object owing to a fire, fire, robbery, spontaneous and other disasters. They don't consider risks from actions of unfair employees, on the one hand, and features of bank business — with another. In the international practice the complex system of insurance ВВВ (Bankers Blanket Bond) which includes insurance of safes, storehouses and values contained in them is widely applied. Such policy first of all provides the indemnification, caused by the bank personnel, and also the third parties. As the international statistics shows, the most part of crimes in bank sphere occurs to participation of employees.



At us oncoming traffic from the banker to the insurer and on the contrary it is not observed — neither those, nor others aren't torn in this business. One of causes of a failure of banks from insurance as accompanying product by granting of a bank cell in rent is great volume of requirements of the insurance company which the bank should execute.

It is necessary to provide high degree of protection of insured object, constant video observation, constant presence of employees of protection near to the safe. There is a reasonable question: what for at such level of protection the insurance in general is necessary? — Bankers speak. However, some credit organizations nevertheless prefer not a hardware of depositary for increase of its safety, and insurance. It less затратный a way, but the is less protected storehouse, the above the insurance tariff for bank. On the average the insurance factor for banks makes 0,4 %-0,5 % from the insurance sum.

At the same time, have explained in the large insurance company, to leading participants of the insurance market to be engaged in it it is uninteresting. For the large companies volumes are important, and in the given segment demand is minimum both from banks, and from physical persons. Besides, frankly speaking, deficiency of experts which could serve this uneasy product is observed, and the insurance companies aren't ready to spend the resources for an unpromising direction.


As a result in the financial market such product as contents insurance safe deposit bank cells, meets seldom.

Those few insurers who is engaged in insurance of contents of cells, offer it both legal, and to physical persons. But, as insurers have told, service among physical persons practically isn't claimed. To insurance such property, as cash, coins, ingots, precious metals in any kind and products from them, precious both semiprecious stones and products from them, checks, certificates of actions is subject, to the bond, coupons, bills, depositary and savings certificates, letters of credit, remittances and other documents fixing the property rights or the rights to reception of any incomes. Insurers don't like to incur risks for antiques, art subjects, electronic data carriers, the business documentation. In general, for all that property, for acknowledgement of which market cost the special expert judgement is required. The tariff rate can fluctuate from 0,3 to 1,5 % from the insurance sum, proceeding from degree of insurance risk.