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Special insurance policy

SPECIAL POLICY COVER

Sometimes more comfortable options and special coverages are needed to protect your home and its contents. The previous coverage options simply do not provide necessary cover on all your property. So, there is no doubt that this is the policy which shall provide special cover and protection on your home, personal belongings and property.

The insurance policy provides cover on technical equipment, luxury and high value property with the list of personal property items specified in the endorsement.

Basic risks under Special insurance coverage
Lightning	✓
Explosion	✓
Storm	✓
Hail	✓
Civil commotion and political gathering	✓
Falling aircraft	✓
Impact damage by motor vehicle	✓
Act of vandalism	✓
Weight of ice, snow or sleet	✓
Frost and ice	✓
Water escape from installation of residence premises	✓

Limitation of coverage for the risk of burglary theft and robbery is up to sum insured.

The policy offers coverage options including additional perils:

Flood, torrent and high waters
Subsidence
Snow avalanche
Earthquake
Glass breakage

Coverage for the risk of earthquake

Indemnity for claims arising out of loss of or damage to property caused by over 3.5 magnitude earthquake measured on the Richter Scale.
Any loss of or damage to a building incurred as a result of holes or cracks which will not affect stability if the coverage with no deductible is purchased.
It is your decision and according to it we shall agree whether to consider deductible or not.

What can be insured with the basic coverage?
Residential buildings (houses, apartment buildings)	✓
Movable property located in the insured property (clothes, personal belongings, furniture, electric appliances) – property not specified in a list.	✓
Other buildings (garages, summer kitchen and etc.)	✓
Alternative accommodation expenses	✓ up to €2,500

Special limitations for basic premium (not listed property)
Residence buildings used for business purposes	✓ no additional payment
Cash, securities, gold coins…	✓ up to €1,000
Jewellery, watches, precious and semi-precious stones	✓ up to €1,500
Valuables, vases, silver items, furs, ivory and ivory items or else	✓up to €1,500
Paintings and sculptures	✓up to €1,500
Weapon with regular firearms licence	✓up to €500
Removable media (data storage devices)	✓up to €250
Rented or leased property	✓up to €500
Vessels kept inside the insured premises	✓up to €1,500
TV set, audio and video equipment, alarm devise respectively	✓up to €1,000
Computer and computer equipment	✓up to €1,000
Laptop, tablet and mobile phone including the property provided to the employees by their employer	✓up to €500
Misuse of citizens bank cheques and credit cards if these credit cards have been stolen consequential to burglary theft or robbery	✓up to €250
Movable property located at other buildings	✓up to €500
Damages to common property in apartment buildings	✓up to €1,500
Loss or damage incurred outside the insured location	Up to €1,000 (for massive buildings) Up to €250 (other building)

Note: The risks against deterioration or wear and tear are not covered.

Alternative accommodation expense

The insurance policies provide coverage for alternative accommodation if your home becomes uninhabitable following large damages.

Example:

Compensation of costs for renting furnished residence with similar size according to the market price valued in the area of the insured location until the insured property is returned to normal living conditions.
Compensation of removal costs of your personal effects and assets if you decide to move completely out of the insured location.

Third Party Liability Insurance

This insurance is optional for all insurance policies. It shall protect you from the risk of liability if the neighbouring buildings or adjacent property suffers damages caused by your home or your property.

Example: The neighbouring home suffers damages occasioned by the water escape from the installation in your home or the neighbouring home is burned to the ground or suffer damages due to fire in your flat.

Discounts