Insurance
We are pleased to be able to offer you the following conditions for “FIRE AND OTHER PERILS” property insurance; “BURGLARY AND ARMED ROBBERY” property insurance and LESSOR`S LIABILITY INSURANCE.
I. “FIRE AND OTHER PERILS” property insurance, “BURGLARY AND ARMED ROBBERY” property insurance
1. INSURANCE COVER
CLAUSE “A” FIRE - BASIC COVER
Under this clause, the Insurer indemnifies the Insured against loss, destruction, or damage on property insured resulting from fire, thunderbolt, explosion, collision or falling of manned aircraft, its parts or cargo.
CLAUSE “A1” - MALICIOUS ACTS OF THIRD PARTIES, VANDALISM
CLAUSE “B” CALAMITIES
Under this clause, the Insurer shall indemnify the Insured against loss or destruction of or damage to the property insured as a result of: storm, hail, torrential rain, flood, damage by the weight of the natural accumulation of snow and/or ice, freezing.
CLAUSE “D1” EARTHQUAKE
Under this clause, the Insurer shall indemnify the Insured against total or partial loss of insured property caused by earthquake.
CLAUSE “D2” LEAKAGE OF WATER AND STEAM
Under this clause, the Insurer shall indemnify the Insured against total or partial loss of insured property caused by leakage of water and steam from pipelines of buildings and the devices connected thereto.
For natural persons the cover shall be expanded with the peril of damage due to soaking with water, leaked from the plumbing, as a result of taps, which have been forgotten open.
CLAUSE “D9” BREAKAGE OF GLASS
Under this clause, the Insurer shall indemnify the Insured against total or partial damages to insured property caused by breakage of the glass of windows, doors, shop windows, stands, advertising signs and plates and other fixed glass.
BURGLARY AND ARMED ROBBERY




2. SUM INSURED AND INSURANCE PREMIUM
The insurance premium is based on insurance rate in % out of the sum insured/ limits of liability and depends on the risk circumstances, type of the property insured, covered perils and the insurance period.

Property insured Insurance cover Sum insured Insurance rate Insurance premium /1 year/
Immovable property А, A1, B, D1, D2 80 000 EUR 0.15% 120.00 EUR
Movable property А, A1, B, D1, D2 8 000 EUR 0.18% 14.40 EUR
Clause “D9” 500 EUR 0.16% 0.80 EUR
Burglary and armed robbery 1 000 EUR 1.50 % 15.00 EUR

3. PERIOD OF INSURANCE
One year.

II LESSOR`S LIABILITY INSURANCE.
1. INSURANCE COVER
The public liability of the Insured, being the owner of the insured home, for directly caused personal damages and damages to property, arising out of death or bodily injury of his lessee on condition that the claim for damages has been raised during the insurance period.
2. INSURER`S LIABILITY AND INSURANCE PREMIUM
The liability limits and insurance premium shall be agreed between the parties according to the next scale.

Limits of liability Insurance premium
/1 year/
10 000 EUR 25.00 EUR
20 000 EUR 50.00 EUR
30 000 EUR 75.00 EUR
40 000 EUR 100.00 EUR
50 000 EUR 125.00 EUR

3. PERIOD OF INSURANCE
One year.







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