Extended Policy

EXTENDED POLICY

The Extended Policy is our most standard policy and the best-selling policy we’ve ever offered. It provides insurance against fire and allied perils, burglary and robbery, and gives options for additional risks such as flood and earthquake.

It is perfect for those seeking comprehensive protection for their home, offering greater coverage and safeguarding against a wider range of risks.

We insure standard household effects and personal belongings without the need for an inventory.

The urgent accommodation cost of up to €1,500 is covered if the home is damaged and living becomes impossible.

Burglary and robbery cover is up to Euro 5,000.

The policy also offers options for additional risks such as:

• Flood, torrent and high waters
• Subsidence
• Snow avalanche
• Earthquake
• Glass Breakage

Earthquake Risk Coverage

• It covers compensation for losses or damages caused by an earthquake with a magnitude of 3.5 or greater on the Richter scale.
• It also covers losses resulting from non-structural cracks in buildings if you buy no-deductible coverage.
• Depending on your decision, we will negotiate whether you participate or not in the loss (deductible).

Note: This insurance does not cover losses or damages resulting from wear and tear or deterioration.  

Temporary accommodation cost

In case the loss or damage to your dwelling is so severe that living becomes impossible, the policy shall cover the cost of temporary accommodation.

Example:

Cost for renting a furnished residence of a similar size, according to the market price valued in the area of the insured location, until your insured property is restored to normal living conditions.

Removal costs of personal effects and assets of the Insured if the Insured decides to move entirely out of the insured location to another location.

Third Party Liability Insurance

This insurance is optional under all policies. It applies to your protection if damage to neighbouring buildings and individuals is caused by your household or property.

Example:

You cause loss or damage resulting from a water escape to the neighbouring apartment, or your neighbour suffers damage due to fire in your home.

Is this your policy?

*See the comparison chart of risks.

Discounts

• Renewal
• No claim bonus
• Deductible
• A group of buildings
• Special discount as a part of the FAMILY PACKAGE
• Advance premium payment
• For 5- or 10-year period of insurance
• Several insurance policies
• Own certified alarm systems, safe doors, code-key vaults, etc.

Payment Benefits

• Possible payment in installments.
• Direct debit from your bank account by standing order.