The system works as follows: leakage, smoke or motion sensors communicate not only to the owner, but also directly to the insurance company. When the signal is triggered, Rosgosstrakh employees immediately apply to the customer to warn a possible problem. If the event still occurs, the company helps to publish an insured event and compensate for the damage.
You can prepare a policy directly with a few clicks in the Spruthub application. The insurance starts to operate on the day after payment. There are three coverage options for an election – for 1, 3 and 5 million rubles. The maximum discount can be used for those who use sensors recommended by the insurance company and platform.
According to Rosgosstrakh Evgeny Ilyin’s Business Director, integration with a smart house is a more suitable and safe insurance. In the future, the company plans to use artificial intelligence to analyze data from temperature sensors, lighting and energy consumption. This not only responds immediately to problems, but also prevents them.
For example, a sharp increase in energy consumption may indicate the risk of excessive loading, and a possible leakage or non -standard temperature indicators of heating. With the geographical location, motion sensors will help to identify unauthorized penetration to the apartment.
The Spruthub platform supports thousands of devices from different manufacturers and works even without internet. As General Manager Oleg Chelbaev points out, the smart house is now not only convenience, but also real financial benefits. The more equipped the housing is, the lower the risks for the insurance company – the higher the higher discount for the owner.
Source: Ferra
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