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| Subject | English | Russian |
| gen. | where at fault | при наличии вины (The applicable Excess is payable upon each and every claimable event where at fault. Where the Applicant is not at fault and a third party can be identified and ... | learn from complaints and where at fault, take action to improve our service. Alexander Demidov) |
| gen. | where not at fault | при отсутствии её вины (Alexander Demidov) |
| gen. | where not at fault | при отсутствии их вины (Alexander Demidov) |
| gen. | where not at fault | при отсутствии его вины (Alexander Demidov) |