Insurant – legal entities and individuals (entrepreneurs) engaged in the transportation and forwarding of goods, or the transportation of passengers by road, water, air, or rail, based on official authorization obtained in accordance with the law for conducting professional carrier/forwarder activities. The insured may be owners, users, operators, or renters of vehicles who have entered into an insurance contract.

The object of insurance, under contracts concluded based on these Rules, is the property interests of the insured person related to their legal obligation to compensate property damage or harm to life and health caused to third parties (Beneficiaries) during the performance of their transportation (including international) and/or freight forwarding obligations. The insurance also covers judicial and extrajudicial expenses arising from such liability.

The insurer’s obligation to pay compensation arises if:
a) the damage occurred within the time period specified in the insurance contract;
b) the damage resulted from the insured’s professional activities.