Family package

Insurance is a necessary part of our lives. We all need to feel confident that we are protecting our family, loved ones, and possessions in case something goes wrong, providing peace of mind and stability.

The combined family insurance package offers comprehensive coverage and flexibility, making it a valuable choice for our clients.

Home Insurance

When it comes to our homes, we have different needs, so this offer is adaptable. You may need insurance only for the building, only for the home contents, or both. If you want to include valuables, have a cottage, or live as a tenant, we have solutions for all that. Your home will be insured against natural catastrophes and unexpected events, whether you are at home or travelling, giving you confidence in your protection.

Basic Insurance (Insured Risks):

• Fire;
• Lightning;
• Explosion;
• Stom in terms of wind at speed exceeding 62 km/h;
• Hail;
• Impact damage;
• Vandalism, malicious damage;
• Water escape from damaged installations in residential buildings;
• Aircrafts (insurance also covers losses or damages caused by objects fallen down from aircraft).

Additional Insurance
(Insured Risks):

• Earthquake;
• Flood, torrential and high water (due to heavy atmospheric precipitation);
• Subsidence and landslides as a result of natural catastrophe;
• Snow avalanche;
• Third Party Liability.

Car insurance

You may have just bought a new vehicle or someone in your family just got a driver’s license, so you want to insure your car. Rest assured, renewing your casco insurance and registering your vehicle can be simple and reliable.

Whatever you need, we can provide you with insurance at an affordable price, quickly and hassle-free:

• traffic accident (rollover, collision, impact, slip, collapse, etc.);
• a fall on someone or hit by an object;
• Fire;
• Sudden external thermal or chemical action;
• Lightning;
• Explosion;
• Aircraft crashes;
• Civil commotion and political gatherings;
• Malicious or third-party acts, theft, unlawful seizure of the vehicle and robbery valid in the Republic of Macedonia, in other European countries and in Bulgaria.

Family Insurance

With this insurance, you can negotiate insurance coverage for all family members, regardless of age, against an accident that may result in:

• Death consequential to disease;
• Death due to accident;
• Permanent loss of general working capacity (disability);
• Deteriorating health condition requiring medical attention (treatment costs);
• Transitional inability to work (daily allowance).

Why buy a family package?

We are confident that the most significant value of this package is that it offers insurance for:

• Your investment in your home and movable property is covered if some of the risks covered damage them.
• Your liability to third parties, if you do damage to them with your insured property;
• Motor Vehicle Casco Insurance
• Unexpected expenses that may arise from the consequences of an accident to a family member.

Discounts

This economic policy covers a house, an apartment, a cottage, a car, and family members, with maximum discounts.

Depending on whether you choose a combination of two or three types of insurance, in addition to the many discounts by types respectively, you will receive extra discounts on the insurance package:

• for 2 types of insurance – 10% discount on the total premium;
• For 3 kinds of insurance – a 12.5% discount on the total premium.

Premium Payment

You can pay the premium in cash and get a 5% discount. Or, you can choose to pay by instalments, up to a maximum of 12 instalments, without interest.

What do you need to know to get your insurance?

For buildings

• Location;
• The age of the facility;
• Construction materials;
• The construction value of the building;
• Vacancy period;
• Whether it is a cottage;
• Any bonus from previous insurance cover;
• Do you have alarms and other security devices?

For movable property and other valuables

• Whether you insure the building as well or just the property;
• Do you possess more specific property;
• Whether they have been located in a vacant facility for more than 30 days;
• Being a tenant or not;
• Whether you have alarms and other security devices;
• Prior insurance.

About the car

• type, brand;
• the new acquisition cost of the vehicle;
• additional baggage covers, for equipment;
• previous car insurance;
• protection.

For Your Family

• The age of family members;
• Their health condition;
• The risks insured against;
• Selected sum insured.