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Reinsurance

Reinsurance

AlfaStrakhovanie has the long-term relations with the world’s largest reinsurance corporations and Russian insurance companies.

Foreign partners of AlfaStrakhovanie in the field of reinsurance are the leading reinsurance companies with the highest reliability ratings such as Munich Re Group, Swiss Re, Hannover Re, SCOR, GenRe, Partner Re and Lloyd’s of London. AlfaStrakhovanie cooperates with largest international insurance brokers Willis Limited, Marsh, AON Benfield and others.

The reinsurance protection of AlfaStrakhovanie Group may be carried on both obligatory and voluntary basis.

Property
(01.01.2016 — 31.12.2016)

Automatic coverage against fire and related risks with limit up to EUR 100,000,000 (or USD 125,000,000 or RUB 7,000,000,000) excess of EUR 2,000,000 (or USD 2,500,000 or RUB 140,000,000) each and every loss each and every one risk.

Business Interruption (including loss of rent), All Risk policies, Petrochemical risks, Machinery Breakdown risks are covered on an automatic basis.

The leader is SCOR (S&P — AA-) with the share of 24%.

The reinsurers are Hannover Re(S&P — AA-) — 16 %, Partner Re S&P — A+) — 9 %, Swiss Re S&P — AA-) — 17% and other large European and Russian reinsurance companies.

Reinsurance is carried out through brokers Willis Limited (London), Guy Carpenter Limited (London), AON Benfield (London).

The territory of validity:

Russian Federation, including Russian interests abroad and in Post-Soviet countries (excluding risks appeared in the USA and Canada).

CAR/EAR
( (01.01.2016 — 31.12.2016)

Automatic coverage against Engineering risks (including CAR/EAR, TPL and CPM risks) with limit up to EUR 100,000,000 (or USD 125,000,000 or RUB 5,000,000,000) excess of EUR 2,000,000 (or USD 2,500,000 or RUB 100,000,000) each and every loss each and every one CAR/EAR risk and excess of EUR 1,000,000 (or USD 1,250,000 or RUB 50,000,000) each and every loss each and every one CPM risk.

The leader is Swiss Re (S&P — AA-) with the share of 32%.

The reinsurers are Hannover Re (S&P — AA-) — 24%, SCOR (S&P — AA-) — 10%, GenRe (S&P — AA+) — 8%, other leading international reinsurance companies — 18% and large Russian reinsurance companies — 8%.

Reinsurance is carried out through Willis CIS (Moscow).

The territory of validity:

Russian Federation, including Russian interests abroad and in Post-Soviet countries (excluding risks appeared in the USA and Canada).

Marine
(01.01.2016 — 31.12.2016)

Automatic coverage CARGO and /or Specie risks, Rolling stock Casco, Carriers’ and Forwarders’ Liability, hull and Building risks, P&I and Fine Art risks with limit up to EUR 30,000,000, other Marine risks with limit up to EUR 20,000,000, excess of EUR 800,000 each and every loss each and every one risk.

The leader is Munich Re (S&P — AA-) with the share of 35%.

The reinsurers are Sava Re (S&P — A-), Polish Re (AMbest — А-), GIC (AMbest — А-), DEVK (S&P — A+) , Korean Re (S&P — A), Sirius International (S&P — A-), Catlin Re (S&P — А+), Trust Re (S&P — А-), Barents Re (AMbest — А-), Kuwait Re (AMbest — А-), Triglav Re (S&P — А-) — with a total share of 65 %.

Reinsurance is carried out through Willis Limited (London).

The territory of validity:

All over the world

Private Property
(01.01.2016 — 31.12.2016)

Automatic coverage against fire and related risks with limit up to RUB 400,000,000 (or USD 10,000,000 or EUR 8,000,000) excess of RUB 40,000,000 (or USD 1,000,000 or EUR 800,000) each and every loss each and every one risk.

The leader is Gen Re (S&P — AA+) with the share of 55%.

The reinsurers are Sirius (S&P — А-) — 20%, Hannover Re (S&P — АА-) — 15 %, Russian Re — 10%.

The territory of validity:

Russian Federation, including interests abroad.

Liability
(01.01.2016 — 31.12.2016)

Automatic coverage against Professional Indemnity, General Third Party Liability and Asset Managers risks with limit up to EUR 12,000,000 (or USD 15,000,000 or RUB 900,000,000) excess of EUR 400,000 (or USD 500,000 or RUB 30,000,000) each and every loss each and every one risk.

The leader is Swiss Re (S&P — АА-) with the share of 35%.

The reinsurers are Hannover Re (S&P — АА-) — 23 %, and other leading companies such as Partner Re (S&P — А+), Everest Re (S&P — А+), Polish Re (AMbest — А-), Sava Re (S&P — А-), Deutsche Ruck (S&P — А+), VIG Re (S&P — А+)— 42 % with a total share of 65%.

Reinsurance is carried out through Guy Carpenter Limited (London).

The territory of validity:

Russian Federation, including Russian interests abroad and in Post-Soviet countries (excluding risks appeared in the USA and Canada).

MOD CAT
(01.01.2016 — 31.12.2016)

Automatic coverage against Motor Own Damage risks with limit up to RUB 200,000,000 excess of RUB 10,000,000 Ultimate Net Loss each and every Loss Occurrence.

Loss Occurrence means all individual losses arising out of and directly occasioned by one catastrophe.

The leader is Hannover Re with the share of 75%, Sirius — 25%

Reinsurance is carried out through AON Benfield (London).

The territory of validity:

Russian Federation, including Russian interests abroad and in Post-Soviet countries (excluding risks appeared in the USA and Canada).

Personal Accident and Sickness
( (01.07.2016 — 30.06.2017)

Automatic coverage against risks of death, permanent total and/or permanent partial disability, temporary disability and bodily injures with limit up toRUB 175,000,000 (or USD 3,500,000) excess of RUB 14,000,000 (or USD 280,000) in mortgage PA business, RUB 3,500,000 (or USD 70,000) in in collective (group) PA business and RUB 7,000,000 (or USD 140,000) in in individual PA business each and every loss each and every one risk.

The leader is Hannover Re (S&P — АA-) with the share of 60%.

The reinsurers are QBE (S&P — А+), Axis Re (S&P — А+) , Mapfre Re (S&P — А), VIG Re (S&P — А+), Russian Re and UnityRe with a total share of 40%.

Reinsurance is carried out through Malakut insurance brokers (Moscow).

The territory of validity:

Worldwide.

Crops Stop Loss
(01.01.2016 — 31.12.2016 harvesting year)

The leader of the contract is Partner Re (S&P — А+).

Reinsurance is carried out through Lanart insurance brokers (Moscow) and Lancaster insurance brokers (Moscow).

The territory of validity:

Russian Federation.

Livestock
(01.01.2016 — 31.12.2016)

Automatic coverage of livestock insurance policies with limit up to RUB 600,000,000 excess of RUB 100,000,000 each and every loss each and every one risk.

The leader of the contract is Partner Re (S&P — А+) — 30%.

The reinsurers are Catlin (S&P — А+) — 30 %, DEVK (S&P — А+), Trust Re (S&P — А-), Sava Re (S&P — А-) — 20%, UnityRe −10% and others.

Reinsurance is carried out through Malakut insurance brokers (Moscow).

The territory of validity:

Russian Federation.

Title
(01.02.2016 — 31.01.2017)

Automatic coverage against risks of termination or limitation of property rights with limit up to RUB 150,000,000 excess of RUB 30,000,000 each and every loss each and every one risk.

The leader of the contract is SCOR RUS (S&P — АA-) with the share of 35%.

The reinsurers are Catlin (S&P — А+) — 30 %, DEVK (S&P — А+), Trust Re (S&P — А-), Sava Re (S&P — А-) — 20%, UnityRe −10% and others.

Reinsurance is carried out through AFM insurance brokers (Moscow).

The territory of validity:

Russian Federation.

Military or dual use Cargo
( (19.02.2016 −18.02.2017)

Automatic coverage of military or dual use Cargo with limit up to USD 50,600,000 excess of USD 5,000,000 each and every loss each and every one risk.

The reinsurers are Ingosstrakh, SOGAZ, VTB Insurance, RESO-Garantia, VSK, Renaissance Insurance Group, Energogarant, Unity Re, Russian Re, ZHASO, RSHB Insurance.

Reinsurance is carried out through RT-Insurance (Moscow).

The territory of validity:

Worldwide.

The obligatory reinsurance Contract of HULL insurance of the air transport, risks of the general civil responsibility of the air transport owners and carriers and the risks of the responsibility of the airport owners, crew personal accident
(01.07.2016 — 30.06.2017)

According to the terms of the Contract, losses incurred under the insurance policies should be reimbursed on a pro rata basis:

1) the amount ceded to HULL insurance of the air transport should not exceed 10,000,000 US dollars (section 1),

2) the amount ceded under the insurance policies of civil liability of aircraft owners and air carriers, as well as civil liability risks airports should not exceed 75,000,000 US dollars (section 2),

3) the amount ceded under the insurance policies of crew personal accident should not exceed 200,000 US dollars per person (section 3).

AlfaStrakhovanie PLC gross retention is 40% for each loss.

Reinsurers at the Contract are: Scor (S&P — АA-) — 12,5% — the leader of the Contract, Swiss Re (S&P — АA-) — 12,75%, Partner Re (S&P — А+) — 7,5% and other foreign companies.

Reinsurance on the international market is performed through the broker Willis Limited (London)

Territorial scope:

All risks, excluding business, registered in the USA, Canada, Japan, Andorra, Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Portugal, Ireland, San Marino, Spain, Sweden, Switzerland, United Kingdom, Australia, New Zealand.

Contract covered by the risks of civil liability of owners of airports situated on the territory of the Russian Federation, as well as in the countries of the former Soviet Union.

The obligatory reinsurance Contract of HULL insurance of the air transport, risks of the general civil responsibility of the air transport owners and carriers and the risks of the responsibility of the airport owners, crew personal accident (covering 34,000,000 U.S. dollars excess 2,000,000 U.S. dollars)
( (01.07.2016 — 30.06.2017)

According to the terms of the Contract reimbursed should be in amount not exceed 34,000,000 U.S. dollars, for the losses incurred under the insurance policies classified as HULL insurance of the air transport, risks of the general civil responsibility of the air transport owners and carriers and the risks of the responsibility of the airport owners, crew personal accident.

Meanwhile according to the terms of the Reinsurance Contract the responsibility of AlfaStrakhovanie PLC is 2,000,000 US dollars for each loss.

Reinsurers at the Contract are: Swiss Re (S&P — АA-) — 25% — the leader of the Contract, Munich Re (S&P — AA-) — 15%, Hannover Re (S&P — АA-) — 12,5% and other foreign companies.

Reinsurance on the international market is performed through the broker Willis Limited (London)

Territorial scope:

All risks, excluding business, registered in the USA, Canada, Japan, Andorra, Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Portugal, Ireland, San Marino, Spain, Sweden, Switzerland, United Kingdom, Australia, New Zealand.

Contract covered by the risks of civil liability of owners of airports situated on the territory of the Russian Federation, as well as in the countries of the former Soviet Union.

The obligatory reinsurance Contract of the general civil responsibility of the air transport owners and carriers (covering 550,000,000 U.S. dollars excess 75,000,000 U.S. dollars) (01.01.2016 — 30.06.2017)

According to the terms of the Contract reimbursed should be in amount not exceed 550,000,000 U.S. dollars, for the losses incurred under the insurance policies classified by the Reinsured as general civil responsibility of the air transport owners and carriers.

Reinsurers at the Contract are: Swiss Re (S&P — АA-) — 26.5% — the leader of the Contract, Hannover Re (S&P — АA-), Partner Re (S&P — А+), Lloyd’s Syndicates (S&P — А+), Munich Re (S&P — AA-) and other foreign companies.

Reinsurance on the international market is performed through the broker Willis Limited (London)

Territorial scope:

losses wheresoever occurring

The obligatory reinsurance Contract of HULL insurance of the air transport (covering 13,050,000 U.S. dollars excess 10,000,000 U.S. dollars)
(01.07.2016 — 30.06.2017)

According to the terms of the Contract reimbursed should be in amount not exceed 13,050,000 U.S. dollars, for the losses incurred under the policies HULL air transport.

Reinsurers at the Contract are: Swiss Re (S&P — АA-) — 30.46% — the leader of the Contract, Hannover Re (S&P — АA-), Partner Re (S&P — А+), Lloyd’s Syndicates (S&P — А+) and other foreign companies.

Reinsurance on the international market is performed through the broker Willis Limited (London)

Territorial scope:

losses wheresoever occurring

The obligatory reinsurance Contract of excess of loss of military and associated risks of civil liability (AVN52)
( (01.01.2016 — 31.12.2016)

Obligatory program which covers aggregate losses occurred under the insurance policies of civil liability of aircraft owners and air carriers resulting from the military and the associated risks, in accord with clause AVN52E. The Contract covers 550,000,000 US dollars excess 150 million US dollars.

The leader of the Contract is Lloyd’s Syndicate 1183 TAL.

Reinsurance on the international market is performed through the broker Willis Limited (London)

The obligatory reinsurance Contract of the military risks HULL air transport
(01.07.2016 — 30.06.2017)

According to the terms of the Contract, losses incurred due to military risks of HULL air transport should be reimbursed on a pro rata basis in amount of not exceed 10,000,000 US dollars.

AlfaStrakhovanie PLC gross retention is 10% for each loss.

Reinsurers at the Contract are: Lloyd’s Syndicate 4472 LIB (S&P — А+) — 35% — the leader of the Contract, Swiss Re (S&P — АA-) — 30%, Lloyd’s Syndicate 1183 TAL (S&P — А+) — 25%.

Reinsurance on the international market is performed through the broker Willis Limited (London)

AlfaStrakhovanie is

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