Flats and houses
Flat insurance provides compensation in case of theft, water damage or electrical damage caused by overvoltage. Flat insurance also provides insurance coverage for floods, heavy rains or strong winds. The insurance also covers protection against fire. Flat insurance also often contains assistance services, such as a locksmith's or plumber’s visit.
- The insurance also covers the effects of elements such as flood or hurricane
- Flat insurance also often contains assistance services, such as the possibility of ordering a plumber or a locksmith
We have a wide variety of insurance companies. You must remember that each offer is different. They differ not only in price, but first of all in the scope of insurance. Before signing any contract, read carefully its content and see whether the policy meets your expectations.
Before you insure a house or flat, take your time to think of a sum that you want to be insured for. The insured sum is a key concept occurring in the contract. It specifies the maximum amount of compensation that we can receive in case of injury.
There are so called all risks policies on the Polish market. In that kind of policies we cannot find the description of the risks against which we are protected. The policy covers all risks except those specifically excluded in the contract. Their list can be found under "Exclusions".
- Let's see if insurance covers the risks we are interested in
- Consider the sum insured
- We can decide on more expensive all-risks policy - an insurance protecting from all risks
Insurance premiums are paid at one time only or in installments. Contract period lasts usually one year. Let us remember about all entities that are usually excluded from the scope of liability of the insurer. These include cash left at home, credit cards. That is why before leaving our home for a long time, make sure all these items have been properly insured. Let us remember that having insurance does not relieve us of the proper care of our home. The insurer has the right not to pay compensation if the damage occurs as a result of the so-called gross negligence of the insured.
What does the collision insurance protect us against?
Collision Insurance, in contrast to the Third-Party Insurance, is a voluntary insurance. The holder of the vehicle decides whether he wishes to settle a contract. Collision Insurance protects us from damages arising from causes beyond our control (theft, vandalism, the elements, etc.). There is a ‘narrowed’ Collision Insurance product available on the market. It is much cheaper, but the protection is also narrower - for example, it is limited only to the risk of theft.
Why Third-Party Insurance transport is mandatory?
Third-Party Insurance transport in Poland is compulsory and every holder of the vehicle must have it. Third-Party Insurance is a special type of insurance that protects two sides - the one who pays the premium and the one who is injured in the accident. Here the insurer, not the client, is responsible for the costs of insurance compensation.
How to take care of your own credit?
Our documents or payment cards have been stolen - this situation can happen to everyone. Everyone may also have an accident, which causes the loss of ability to work. How, then, do I pay off the loan, which I have taken recently? We can find the insurance products to protect us against credit card theft and to insure our loan from the effects of unemployment or incapacity to work.
After the insurer has been notified of the damage, an expert will be sent to estimate the size of damage. To make a claim, we do not need to trouble ourselves to do it personally. Simply call an insurer's office and in some cases even just an e-mail is enough. Some customers consider keeping the apartment in state in which it was immediately after the damage until the appearance of the expert This concerns mainly the flooding or the fire. The best solution is to document this damage by yourself by taking photographs of robbed or damaged apartment. This kind of documentation shortens a path to compensation.
Notify the insurance company
As soon as possible report the damage to the insurer. You can do this by phone or by the agent.
Provide the necessary documents
Provide the necessary documents and grant the company all the necessary explanations. Follow current process of damage liquidation process.
Follow current process of damage liquidation
The insurer, after notification of the damage should keep the customer informed about current state of damage liquidation process.