As an example, it is relevant to the basic conditions of insurance of the mobile equipment based on insurance regulations which developed a number of leading Russian insurance companies. Insurance contracts are concluded in respect of the following property: - Construction equipment; - Additional equipment, ie mobile part of the equipment not attached to the main aggregates, as well as accessories and spare parts for the insured property; - Forests of steel pipes and steel, metal decking, machines and devices for installing casing; - Control, Laboratory instruments, equipment, workshops, radio, equipment, fire and burglar alarm; - Temporary buildings and structures, namely, building barracks, offices, warehouses, workshops, laboratories; - Other personal property, place of use which may vary. Insurance does not cover: - Loss or damage to motor vehicles licensed for operation on public roads, craft or aircraft; - Equipment of temporary buildings, namely the construction of barracks, offices, warehouses, workshops and laboratories; - Ownership of staff; - The main and auxiliary materials consumed in the production process, such as fuel, chemicals, filters and filter materials, coolants, cleaners and lubricants; - Tools of all kinds, such as drills, pneumatic hammers, knives, teeth, blade saws and grinding wheels; - Conveyor belts, strainers, hoses, ropes, belts, brushes, spikes, chains, tracks and cables. Insurer, however, be paid compensation for parts and components referred to in paragraphs 12 and 13 of this paragraph, if they were damaged or killed, along with the basic units and units of equipment. The insurer reimburses the insured against loss or damage to insured property damage occurring as a result of: - Direct impact of natural disasters such as earthquakes, ground failure, landslide, landslide, flood, flooding, storms, movements of the ice, except as otherwise expressly provided in the contract of insurance), as well as unusually low temperatures; - Fire, lightning or explosion, as well as to fight the fire; - Carrying out the installation or dismantling of facilities; - Holding them in loading or unloading. Uninsurable by special agreement between the parties recognized the following events: - Internal failure (including mechanical), have occurred due to: - The inevitable impact on the insured equipment in its intended use; - Effect of low temperatures; - Lack of water, oil, lubricants; - Effect of other similar reasons are not considered as insurance cases and is not covered by insurance. Also, insurance does not cover damage from loss or damage to insured property caused by: - Defects that had taken place at the time of the contract of insurance, which should have been known to the Insured or persons responsible for the operation of the insured equipment; - Maintenance of assets, clearly in need of repair. The insurer, however, the policyholder pays the compensation, if it is proved that the death and / or damage to or in any way connected with the need of repair, or if the property had previously been repaired with the consent of the insurer; - Theft. The insurer, however, reimburse the insured losses associated with damage to property at attempting to commit theft; - Fire, lightning or explosion, or fire-fighting in these cases regarding the following subjects: control, laboratory instruments, equipment, workshops, radio, equipment, fire and burglar alarms); - Military action of any kind, civil war, riots, strikes, lockouts, confiscation or other acts of administrative bodies; - Nuclear explosion, radiation or radioactive contamination; - During a sea voyage. Only if it is specifically prescribed in the insurance contract, reimbursable losses suffered due to: o loss or damage to property caused by the particular rules of operation of equipment, namely: - When working on submarines and surface facilities; - In the areas of rivers, lakes, seas, etc.; - On floating devices and vessels or aircraft; - The tunnel or underground works; o loss of or damage to equipment caused by flooding or mud drift, however, such losses are recoverable if they came to be covered by insurance during transportation. Territory insurance is the territory of the country or countries, as defined by agreement of the parties and specified in the contract of insurance. If the insured vehicle is used solely for transportation, public roads are not considered part of the territory of insurance. Territory insurance can be a building or part thereof, as defined by agreement of the parties and specified in the contract of insurance. If loss and damage to equipment occurred outside the territory of insurance, the insurance compensation is paid. The sum insured for each insured object must correspond to its value: - By value means the corresponding list price (new price), including shipping costs and transportation (freight, packaging) and installation. - If the insured object no longer been on the price list, its value is determined on the last list price. This price, however, can be specified depending on the fluctuations of price indices; - If you can not identify any sticker or the selling price shall be based on the expenditures required for the manufacture of the desired object design and size. - The costs of rescue and clean-up territory in the event of total loss of the insured object can be additional insured parties' agreement. - Upon payment of insurance compensation insurance amount, respectively, decreases. - When a contract of insurance the insured must notify the insurer of all circumstances known to him, which are essential to determine the degree of risk in respect of the insured property. Insured must also provide answers to all of the insurer to determine the degree of risk issues in respect of the insured property. If you find that information provided by the insurer, does not correspond to reality, in whole or in part, and there the assumption that the insurer reported false information, the insurer has the right to refuse payment of insurance compensation, and terminate the insurance contract without complying with the your monthly period.