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|
|Civil commotion and political gathering||✓|
|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:
Coverage for the risk of earthquake
|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
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.
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.
Possible payment in instalments.
Direct deposit made by means of standing order.