COMBINED FAMILY INSURANCE COVER

Insurance is an inseparable component of our lives. There is a necessity for us to feel certain that we have managed to protect ourselves, our family, our closest relatives and the things we posses in case something unpredictable emerges.

The Combined Family Insurance Package is a highly favourable offer to our clients.

HOUSEHOLD INSURANCE COVER

Speaking of our homes, people have different needs and therefore this proposal is created to satisfy them. You may need an insurance cover only for the building, or only for the household furniture, or for both. If you want some valuable things to be covered by the insurance policy, or you posses a cottage or live as a tenant, we have a solution to your needs. Your home will be protected from some natural catastrophes, or unexpected accident, regardless whether you are at home, or not.

Basic Insurance Cover:

• Fire
• Thunder
• Explosion
• Storm with wind speed above 62 km/hour
• Hail
• Vehicle collision
• Vandalism, malicious damage
• Water leakage damage caused by hollowed installation in apartments
• Air fleet (insurance covers the objects falling out of the air fleet)

Supplementary Insurance Cover:

• Earthquake
• Flood, torrential rain and high waters (due to severe cloudburst)
• Subsidence caused by natural phenomenon
• Snow avalanche
• Third Party Liability

PASSENGER MOTOR VEHICLE INSURANCE

You may have just bought a new car or a member of your family just got a driving licence or you want your car insured. You may also want to renew your Casco policy, and the time for your regular car insurance is approaching. Whatever your need is, our company will provide a full service at affordable price, quickly and simply.

• Traffic accident (turnover, collision, crash, skidding, impact)
• Objects falling down or impact
• Fire
• Sudden external thermal or chemical action
• Thunder stroke
• Explosion
• Storm, hail and snow avalanche
• Air fleet collapse
• Manifestation and demonstration
• Malicious actions or third party obesity
• Theft, usurpation of a vehicle and robbery valid in R. Macedonia, other European countries and R. Bulgaria

FAMILY INSURANCE COVER

This insurance cover offers safety and security to all family members, regardless of the age against accident that may cause:

• Death due to illness
• Death due to accident
• Permanent loss of general working capacity (disability)
• Damaged health condition requiring medical assistance (medical expenses)
• Temporary working disability (daily allowance)

WHY BUY A FAMILY PACKAGE?

We believe that the main advantage of this package is that it provides insurance of:

• your investment in your home and portable property if damaged by some of the perils included
• your liability towards third parties if you cause damage to them with your insured property
• Casco insurance of motor vehicles
• Unexpected costs arising from an accident to a family member

DISCOUNTS

This is a cost-effective policy for the house, apartment, country house, car and family members with maximum discounts.

Depending on whether you will choose a combination of two or three classes of insurance, besides the numerous discounts per classes of insurance you are entitled to extra discounts for insurance package;

• for two classes of insurance 10% discount on overall premium
• for three classes of insurance 12,5% discount on overall premium

PREMIUM PAYMENT

You may pay premium in cash and get a 5% discount or you may choose to pay premium up to 12 installments with no interest.

WHAT IS IMPORTANT FOR US TO KNOW IN ORDER TO PROVIDE YOU INSURANCE?

1.Buildings

• location
• age of building
• construction material
• construction value of building
• how long has the building been unoccupied
• is it a country house
• have you been granted a bonus for previous insurance
• is it equipped with alarms and other protection devices

2.Portable property and other valuables

• do you insure the buildings as well or the property only
• do you possess delicate items
• are they located in an unoccupied building for more than 30 days
• are you a leaseholder
• is it equipped with alarms and other protection devices
• previous insurance

3.Car

• type and make
• new-purchase value of vehicle
• additional cover for luggage and equipment
• previous insurance
• protection

4.Your family

• age of family members
• health condition
• perils you choose to be protected from
• chosen sums insured per peril

Here you may download the combined family insurance proposal form necessary to calculate how much the insurance will cost you;

For free of charge calculation, more information and more details about the premium payment possibilities and individual discounts per classes of insurance our agents, insurance brokers and other authorized parties shall offer you assistance. Please contact them on the following telephone /fax numbers: (02) 3 230 612 and (02) 3 115 188 and they will visit you or you may visit our premises as well.