Public offer on the procedure for concluding the Passenger insurance contract from Rosgosstrakh IC PJSC

This Public offer (hereinafter referred to as "Offer") is an addressed to a public at large offer of the Public Joint-Stock Company Insurance Company "Rosgosstrakh" (Rosgosstrakh PJSC IC) (hereinafter referred to as "Insurer") to conclude a Passenger Insurance Contract for a travelling period according to the issued electronic travel document (hereinafter referred to as "Electronic ticket") (hereinafter referred to as Insurance contract or Insurance policy) with the account of terms and conditions set forth by the Special terms and conditions of the insurance (hereinafter referred to as Special terms and conditions).

Please note that it is possible to conclude a passenger insurance contract for the period of carriage in accordance with the formed electronic travel document on the website https://eng.rzd.ru, as well as in mobile application RZD to Passengers.

This type of insurance is voluntary, and conclusion of the Insurance contract and making insurance premium payment is your right. The conclusion of the Insurance contract is not a compulsory condition for the electronic ticket purchase.

In accordance with Article 438 of the Civil code of the Russian Federation, a positive mark "☑" on the page opposite the application is considered to be an unconditional acceptance (acceptance) of the terms and conditions of this Offer: "I confirm that I have read the rules and conditions of the order, its payment, issue and re-issue of travel document (ticket), return of unused travel document (ticket) ordered through the Internet. I also confirm that I have read the Insurer's Special terms and conditions of the insurance under the issued Insurance policy and the Offer's terms and conditions" on the web-portal of the JSC "RZD" (https://eng.rzd.ru/) as well as payment of the insurance premium in accordance with the terms and conditions of the Insurance contract (Insurance policy). Performance of the specified actions means all terms and conditions of this Offer, terms and conditions of the Insurance contract and the Special terms and conditions of insurance of the Insurer being accepted by a physical person and is the fact of the Insurance contract conclusion (Insurance policy) in writing.

You, as a User of the JSC "RZD" web-portal and a potential Insurant, confirm your right and capacity, financial solvency as well as that you are aware of the responsibility for the obligations imposed on You as a result of this Offer acceptance.

The Insurance application is an entering of personal data of persons subject to insurance under the Insurance policy on the JSC "RZD" web-portal, and a positive mark "☑" opposite the application "I confirm that I have read the rules and conditions of the order, its payment, issue and re-issue of travel document (ticket), return of unused travel document (ticket) ordered through the Internet. I also confirm that "I have read the Special terms and conditions of the insurance under the issued Insurance policy and the terms and conditions of the Offer". It means that the potential Insurant expresses its consent and the consent of the Insured persons:

  • on the terms and conditions of the Public Offer;
  • on the Insurer's Special terms and conditions of the insurance;
  • on the processing of personal data specified by the Insurant at issuing the electronic ticket, the Insurer and the representative of the Insurer – Joint-Stock Company "Federal Passenger Company", including collection, systematization, accumulation, storage, clarification, use, depersonalization, blocking, destruction (without notice on destruction), through processing in an automated or non-automated way in order to carry out insurance activities for a period of 5 years, as well as their transfer for the purpose of the Insurance contract execution, as well as for ensuring the internal document flow, to third parties.

The Insurer shall ensure the safety and non-disclosure of the Insurant's and other physical persons' personal data specified in the Insurance contract (Insurance policy) in accordance with the requirements of Federal law No. 152-FZ "On Personal Data".

Terms and conditions of the Public Offer

1. General terms and conditions

Insurer is a Public Joint-Stock Company Insurance Company "Rosgosstrakh" (Rosgosstrakh PJSC IC), carrying out insurance activities in accordance with the law of the Russian Federation and licenses of the Bank of Russia SL No. 0001, SI No. 0001 as of 06.06.2018 (the validity period of Licenses is unlimited).

Insurant is a capable physical person who has concluded an Insurance contract with the Insurer to the issued electronic travel document (ticket) in its own favor or in favor of the third parties (Insured persons).

The Insurant who has concluded the Insurance contract concerning its property interests insurance is an Insured person.

Insured person is a physical person identified in the Insurance policy who travels by railway transport as a passenger in accordance with an electronic travel document (ticket), in respect of whose life and health the Insurance contract has been concluded.

Insurance policy is a document confirming the Insurance contract conclusion between the Insurant and the Insurer for those leaving the permanent place of residence in the manner prescribed by this Offer and the Insurer's Special terms and conditions of insurance.

Parties to the Insurance contract (Insurance policy) are the Insurant and the Insurer who have concluded the Insurance contract (Insurance policy).

2. Conclusion, payment and cancellation (termination) of the Insurance contract (Insurance policy)

2.1. Procedure for the Insurance contract (Insurance policy) conclusion and entering into force.

2.1.1. Positive mark "☑" in the field of "Insurance policy issue" on the JSC "RZD" web-portal shall be considered as equal to the Application on the Insurance contract (Insurance policy) conclusion.

2.1.2. The Insurance contract (Insurance policy) is based on data submitted by the Insurant on the JSC "RZD" web-portal, and is available in the Insurant's personal account on the JSC "RZD" web-portal.

2.1.3. The Parties to the Insurance contract (Insurance policy) shall confirm their agreement that receipt by the Insurer or its representative (including JSC "FPC") of the insurance premium under the concluded Insurance contract (Insurance policy) – on the one hand, and signing of the Insurance contract (Insurance policy) by the Insurer using a facsimile display of the signature of the Insurer's authorized representative and the Insurer's seal – on the other hand, shall be the proper signing of the Insurance contract (Insurance policy).

At the same time, the Insurer and the Insurant shall undertake to reproduce the Insurance contract (Insurance policy) on paper in case of any need.

2.1.4. The Parties shall confirm their agreement that the Insurance policy transfer to the Insurant's personal account on the JSC "RZD" web-portal is proper delivery of the Insurance contract (Insurance policy) to the Insurant. The insurance premium payment by the Insurant in accordance with the terms and conditions of the Insurance contract (Insurance policy) shall also be a confirmation of the Insurant's consent to receive the Insurance contract (Insurance policy) in the specified manner and the consent to the terms and conditions of the Insurance contract (Insurance policy) and this Offer.

2.1.5. The Insurant who has declared the Insurance contract (Insurance policy) conclusion shall act on behalf of all declared

Insured persons, in connection with which, all Insured persons shall be considered informed on the terms and conditions of the Insurance contract (Insurance policy), the Insurer's Special insurance terms and conditions and the terms and conditions of this Offer.

2.1.6. The Insurance contract (Insurance policy) is considered to be concluded from the date of the insurance premium payment by the Insurant in the prescribed amount and is valid for a period set forth by the Insurer's Special terms and conditions of insurance. The insurance protection under the Insurance contract (Insurance policy) shall be valid in the manner and within the terms set forth by the Insurer's Special terms and conditions of insurance.

2.2. Payment procedure for the Insurance contracts (Insurance policies)

2.2.1. The Insurance contracts (Insurance policies) payment shall be carried out in cashless form in accordance with Article 3 of the Federal Law No. 161 ФЗ of June 27, 2011, "On the National Payment System" using Visa, Visa Electron, MasterCard, Maestro bank cards and a bank card of Mir national payment system, and Visa International, MasterCard International payment systems. A credit card payment shall be made after the order verification and confirmation with forwarding to the payment gateway of VTB Bank (PJSC). The Policyholder will have 10 minutes to pay and enter the bank card details. If the specified time period expires, the Insurance Policy will be cancelled.

The following banking details shall be entered when paying for the order: cardholder's name and surname, the card's number and expiration date, as well as a three-digit code (CVV2 or CVC2). 

For further explanations on the payment features of the Insurant's bank card on the Internet, the reasons for payment refusal, the Insurant shall contact the support service of the Insurant's bank.

The payment procedure security is ensured by the traffic encryption means use (SSL).

Payment features for the Visa Electron and Maestro cards:

Dear Insurers, make sure that your card contains a CVV2 (CVC2) code placed on the reverse side of the bank card. For the attention of the foreign banks Cardholders! In accordance with the international payment systems requirements in order to increase the security level when making payments, the 3D Secure/Secure Code technology (special technology for the Internet payments security) is used. In the absence of an appropriate certificate of your bank for the use of this technology, your payment may be canceled. When receiving a payment cancellation, please contact the support service of your bank.

In accordance with the 3D Secure/Secure Code technology requirements, when paying for an order, the emitting bank may require the Cardholder to undergo an additional verification procedure.

The necessity for additional identification and its method shall be determined only by the emitting bank. For more information about the identification procedure, the Cardholder shall contact the Support service of the Bank, that issued the card.

If, for any reason, You have not received the order number or the Insurance contract (Insurance policy), or confirmation on the order successful formation, before placing a re-order, go to "My orders" and make sure that the order has not really been formed.

In case of disputes on the writing-off of the funds when paying for the Insurance contract (Insurance policy), please contact VTB Bank (PJSC) by phone 8-800-100-24-24, as well as the emitting bank, you are a cardholder of.

2.3. Early termination (cancellation) of the Insurance contract (Insurance policy) at the initiative of the Insurant. Insurance premium return.

Under the terms and conditions of the Insurance contract, the Insurant has the right to cancel the Insurance contract at any time.

2.3.1. The Insurant, at its own initiative, may early cancel the Insurance contract (Insurance policy) issued to the electronic ticket, which number is specified in the Policy, (for travel within the territory of the Russian Federation) during the free look period calculated from the date of its conclusion in the absence of events that have signs of an Insured event, the paid insurance premium shall be returned to the Insurant within 10 working days:

  • in full, if the Policy is canceled before the date of insurance commencement term;
  • with retention by the Insurer of a share of the insurance premium in proportion to the insurance validity period, in case of cancellation of the Policy after the date of insurance commencement term.

The Insurance contract shall expire at 00 h. 01 min. of the date of receipt by the Insurer of the Insurant's written application on its cancellation.

2.3.2. In case of the Policy, issued to the electronic ticket, which number is specified in the Policy, being cancelled by the Insurant:

2.3.3. prior to the insurance term (for travel policies within the territory of the Russian Federation - after the free-look period), the insurance premium shall be returned to the Insurant within 10 working days from the date of the Insurant applying for the Policy termination. At the same time, the Insurer shall retain 35 percent under the Rules 174, 40 percent under the Rules 184 of the paid insurance premium, but not less than 100 RUB;

2.3.4. after the insurance term (for travel policies within the territory of the Russian Federation - after the free-look period), the insurance premium shall not be returned.

2.3.5. The insurance premium return upon the Insurance contract (Insurance policy) termination using the JSC "RZD" web-portal shall be made to the bank card account, the insurance premium was paid from.

Crediting of the to-be-returned insurance premium for the terminated Insurance contract (Insurance policy) is carried out in full to the bank card account, the payment for the Insurance contract (Insurance policy) was made from, in the terms established by the Rules of payment systems (from 7 to 30 calendar days from the date of return in your personal account).

Crediting of the to-be-returned funds to the bank card account, the payment for both the electronic ticket and the Insurance contract (insurance policy) was made from, is carried out in separate payments.

In case of disputes on the to-be-returned funds transfer, please contact VTB Bank (PJSC) by phone 8-800-100-24-24, as well as the emitting bank, you are a cardholder of.

2.3.6. Termination of the Insurance contract (Insurance policy), issued to the electronic ticket, which number is specified in the Policy, in case of the electronic ticket return, shall be carried out in the JSC "FPC" ticket offices, as well as shall be carried out in accordance with paragraphs 2.3.1-2.3.4 of these terms and conditions only in the Insurer's offices at the written request of the Insurant (the Insured person).

In this case, the application for cancellation of the Insurance contract can be provided by the Insurant through handing it to the Insurer (when applying to the Insurer's office) or through sending it through the postal service organization.

The Insurance contract shall expire at 00 h. 01 min. of the date of receipt by the Insurer of the Insurant's written application on its cancellation.

In case of discrepancies between the Russian and English text versions of this Policy and Special terms and conditions, the Russian text version shall prevail.

3. Insurer's banking details

Public Joint Stock Company Insurance Company Rosgosstrakh

Short name: Rosgosstrakh IC PJSC

Licenses SL No. 0001, SI No. 0001 as of 06.06.2019.

Place of location: 140002, Moscow Region, the town of Lyubertsy, Parkovaya Street, house 3.

TIN 7707067683, KPP 502701001 \ 997950001, RNNBO 00039746, PSRN 1027739049689, RNCMT 46748000001, ARCPS 46448000000, RNCE 65.12, 65.12.1, 65.12.2, 65.12.3, 65.12.4, 65.12.5, 65.12.9

24-hour Call center operates in the Rosgosstrakh PJSC IC. Operators are ready to answer Your call 24/7 without breaks and weekends.

Telephone numbers: +7 (495) 926-55-55 or 8-800-200-0-900 (call across Russia is free).