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GENERAL QUESTIONS

HOW CAN I PAY AN INSURANCE PREMIUM?

You may pay insurance premiums by transferring money to Our bank accounts.

If You conclude a contract through Our representatives or partners, You can pay insurance premiums in the manner specified by them.

DO I HAVE TO PAY FOR TERMINATING THE INSURANCE CONTRACT?

No, terminating the insurance contract will not cost You extra.

HOW CAN I TERMINATE OR CANCEL THE INSURANCE CONTRACT?

You may cancel an insurance contract that has not yet taken effect or terminate an already valid insurance contract on the self-service portal or by sending Us an application by e-mail draudimas@balcia.lt .

HOW CAN I AMEND OR RENEW AN INSURANCE CONTRACT THAT HAS ALREADY BEEN CONCLUDED?

If You want to amend an insurance contract that has already been concluded or to extend its validity term, please send Us an application by e-mail draudimas@balcia.lt or on the self-service portal.

WHAT SHOULD I DO IF MY RISK HAS INCREASED?

Upon the occurrence of at least one of the risks on the list of increased risks, please inform Us thereof by e-mail draudimas@balcia.lt

WHAT DO I DO IF I RECEIVE INSURANCE DOCUMENTS CONTAINING INCORRECT INFORMATION?

If after concluding a contract You receive insurance documents containing some incorrect information, please be sure to inform Us thereof by e-mail draudimas@balcia.lt. If this information is important, for example, for the assessment of the Insurance Risk, terminating the contract and concluding a new one may be necessary. Otherwise, We will simply correct the mistakes and send correct documents to You.

HOW CAN I GET AN INVOICE FOR THE INSURANCE PREMIUM?

If Your company needs an invoice for insurance services, provide it with an insurance certificate, because according to applicable legislation, it is equivalent to an invoice, which allows recognizing costs as expenses.

CAN ANOTHER PERSON PAY THE INSURANCE PREMIUM FOR ME?

Yes, but be sure to enter the correct payment order number in the payment purpose field.

DO I HAVE TO PAY VAT ON THE PAYABLE INSURANCE PREMIUM?

No, according to legal acts applicable in the Republic of Lithuania, insurance premiums are not subject to value added tax.

MTPL

HOW DO I INSURE A VEHICLE WHOSE OWNER DOES NOT HAVE A DRIVER’S LICENSE?

If You want to insure a vehicle whose owner does not have a driver’s license, please indicate experience of the youngest driver on our self-service portal in the field “date of issue of the driver’s license”.

DO I NEED TO NOTIFY THE INSURER IN CASE OF A CHANGE OF THE VEHICLE OWNER?

In case of a change of the vehicle owner (e.g. having sold a car), You and the new owner shall notify Us immediately, no later than within 15 days from the date of transfer of the vehicle. Please contact Us by e-mail draudimas@balcia.lt or by calling 19 001

WHAT SHOULD I DO IF THE LICENSE PLATE NUMBER OF MY VEHICLE CHANGED?

In case of a change of the license plate number of Your vehicle, please contact Us by e-mail draudimas@balcia.lt, and We will send You updated insurance documents.

DO I HAVE TO CARRY INSURANCE DOCUMENTS WITH ME?

If You travel in Lithuania, You are not obliged to carry insurance documents with You, however, when going abroad, You must have a printed Insurance Certificate and a Green Card.

WHAT IS A GREEN CARD AND HOW CAN I GET IT?

If You use an insured vehicle to travel abroad, You may be issued a Green Card, which confirms that the civil liability of drivers of Your vehicle has been insured and You do not have to purchase a separate compulsory motor insurance in each country you visit.

A Green Card shall be issued together with Your other insurance documents. When traveling abroad, do not forget to print it out –You can do it yourself on a white sheet of A4 paper since 1 July 2020, when new Green Card forms took effect.

WHAT DOES INCREASED RISK MEAN?

When concluding an insurance contract, You shall inform Us of the purpose of use of Your vehicle. If the vehicle is to be used for personal needs, this shall be a standard risk. The use of the vehicle for the following purposes shall be considered a non-standard insurance risk: provision of taxi and ride services; paid transportation of passengers or cargo; provision of security services; provision of fire services; provision of police services; provision of ambulance services; provision of regular passenger services; short-term (up to 6 months) rent or rent with a driver; transportation of liquid fuel, gas or chemicals; teaching to drive. It is also important to indicate in this case that the insured vehicle shall be operated by an inexperienced driver. If You do not know or have any doubts as to the purpose of use of the vehicle, contact Us by e-mail draudimas@balcia.lt or by calling 19 001, and We will provide You with all the necessary information.

CAN I COVER A VEHICLE THAT HAS NOT BEEN REGISTERED?

Yes, please contact us by e-mail draudimas@balcia.lt, and We will provide You with all the necessary information.

WHAT IS COVERED UNDER COMPULSORY MOTOR INSURANCE?

Civil liability of Yours and other persons who operate Your vehicle to third parties, i.e. if Your vehicle causes damage to the property, health, life of other persons or violates their legitimate interests otherwise, We shall indemnify this damage to this person on behalf of You.

WHO MUST OBTAIN COMPULSORY MOTOR INSURANCE COVERAGE?

If You have a vehicle registered or intended for registration in Lithuania (regardless of whether it is a car, a motorcycle, a tractor, etc.) or you have entered into a leasing (or another similar) agreement on financing the purchase of a vehicle, You shall insure civil liability of Your own or other persons, who will operate Your vehicle.

CASCO

WHAT RISKS SHALL BE INSURED?

By concluding a CASCO insurance contract, You can insure a vehicle against all risks with clearly listed exceptions. Additionally, You can cover the driver and accompanying passengers under accident insurance, choose the roadside assistance service or insure additional (non-factory) equipment.

DO I HAVE TO REPEATEDLY SEND PHOTOGRAPHS TO EXTEND AN EXISTING CONTRACT?

No. However, this condition shall only apply if motor insurance coverage has been valid uninterruptedly. For example, if Your insurance contract expires on 31 08 2020, a new contract shall take effect no later than 01 09 2020.

DO I HAVE TO PROVIDE PHOTOGRAPHS OF A VEHICLE BEING INSURED?

Yes. When concluding an insurance contract, You shall be obliged to provide photographs of a vehicle which You plan to insure. Please use the guide for taking photos available here.

CAN I INSURE A VEHICLE THAT HAS NOT BEEN REGISTERED?

Yes. Please contact us by e-mail draudimas@balcia.lt, and We will provide You with all the necessary information.

WHAT IS COVERED UNDER CASCO INSURANCE?

Under this insurance We shall cover vehicle which You own or manage under a financing (e.g. lease) agreement against Your selected risks in accordance with applicable insurance rules or other conditions which We agree on. Please note that We shall only insure factory assembled vehicle, i.e. assembled and equipped as it was at the time of its release into circulation, thus please inform Us about all subsequently acquired or installed accessories by e-mail draudimas@balcia.lt.

WHAT DOES AN INCREASED RISK MEAN?

When concluding an insurance contract, You shall inform Us of the purpose of use of Your vehicle. If the vehicle is to be used for personal needs, this shall be a standard risk.

The use of the vehicle for the following purposes shall be considered a non-standard insurance risk:

  • provision of taxi and ride services;
  • paid transportation of passengers or cargo;
  • provision of security services;
  • provision of fire services;
  • provision of police services;
  • provision of ambulance services;
  • provision of regular passenger services;
  • short-term (up to 6 months) rent or rent with a driver;
  • transportation of liquid fuel, gas or chemicals;
  • teaching to drive. It is also important to indicate in this case that the insured vehicle shall be operated by an inexperienced driver.

If You do not know or have any doubts as to the purpose of use of the vehicle, contact Us by e-mail draudimas@balcia.lt or by calling 19 001, and We will provide You with all the necessary information.

WILL I ALWAYS BE SUBJECT TO A DEDUCTIBLE PROVIDED FOR IN THE CONTRACT IN CASE OF AN INSURED EVENT?

Generally, yes, however the Insurance Terms and Conditions or the Insurance Policy may provide for exceptions.

TRAVEL

AM I OBLIGED TO HAVE A PRINTED INSURANCE CERTIFICATE WHEN TRAVELLING?

We recommend having both printed travel insurance documents together with all travel documents and their digital version in a medium convenient to You. In case of an event, You will always have a Policy and a memo with You containing all the necessary information. This information is also available on the self-service portal.

WHEN SHOULD I PURCHASE TRAVEL INSURANCE?

We recommend purchasing travel insurance in advance, but no later than on the day of departure. If You are outside of Lithuania on the day of concluding the contract, You will not be able to conclude a travel insurance contract.

EUROPEAN HEALTH INSURANCE CARD (ESDK). IS IT ENOUGH FOR TRAVELLING?

If you have a European Health Insurance Card, You will only receive the necessary medical assistance during Your temporary stay in any country of the European Union. You will have to cover other possible costs, such as transportation to a medical institution, repatriation, living expenses abroad, premiums, surcharges, etc., Yourself.

WHAT CAN BE COVERED UNDER TRAVEL INSURANCE?

You can use travel insurance to insure against unforeseen financial losses related to medical expenses in case of baggage loss or delay, damage done to third parties, travel interruption, and documents lost while on a trip.

I AM A FOREIGN CITIZEN WITH A TEMPORARY RESIDENCE PERMIT IN LITHUANIA. CAN I PURCHASE TRAVEL INSURANCE?

Yes, You must purchase insurance in order to receive the necessary medical assistance. We will need a proof of your identity and Your temporary residence permit. Please contact us by e-mail draudimas@balcia.lt or call 19 001.

DO I HAVE TO INFORM ABOUT THE PURPOSE OF MY TRAVEL WHEN CONCLUDING A TRAVEL INSURANCE CONTRACT?

Yes. If You plan to spend time actively on a trip (skiing, diving), to participate in official competitions (football, basketball, etc.), to study or go to work, this must be indicated when concluding a travel insurance contract.

CITY COMBO

IF I BREAK OR DAMAGE MY VEHICLE BY RIDING IN A PIT ON A ROAD, IS IT COVERED BY THE INSURANCE?

Once, during the insurance period, up to sum insured indicated in Insurance policy We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal or other object. 

WHAT IS THE MAX SPEED I CAN RIDE MY VEHICLE TO MAKE SURE MY INSURANCE COVERS ANY DAMAGES OR ACCIDENTS?

Max speed is always according to state regulations with particular vehicle.

IF MY VEHICLE GETS STOLEN FROM MY YARD, STAIRCASE, HOUSE OR APARTMENT, IS IT COVERED BY THE INSURANCE?

Our Insurance covers secret or exposed theft of the Vehicle if it is committed by third parties illegally by:

  • entering closed premises with clear signs of burglary– by breaking, mechanically damaging obstacles or breaking the locks installed to restrict the unauthorized access to the premises;
  • breaking, mechanically damaging or unlocking safety locks, which the Vehicle is attached with to a stationary object, connected to the ground or a building.

! Also Insurance coverage shall be applicable only if the insured Vehicle is registered in voluntary Lithuanian bicycle and/or scooter registry.

IF MY CHILD OR RELATIVE RIDES WITH MY INSURED VEHICLE AND DAMAGES IT, OTHER PERSON OR SOMEONE’S PROPERTY, IS IT COVERED BY THE INSURANCE?

Our Insurance covers such losses, provided that Your child or relative is placed in the Insurance policy as Insured person.

IF MY KID, OR RELATIVE RIDES WITH MY INSURED VEHICLE AND GETS IN THE ACCIDENT, IS IT COVERED BY THE INSURANCE?

Yes, Our Insurance covers losses to Insured Vehicle.

IF I DAMAGE SOMEONE’S PROPERTY WITH MY VEHICLE, IS IT COVERED BY THE INSURANCE?

Yes, Our Insurance covers such cases.

IF I HIT SOMEONE (PERSON OR ANIMAL) WITH MY VEHICLE, IS IT COVERED BY THE INSURANCE?

Yes, Our Insurance covers such cases.

We shall pay the indemnity to the third party to whom You caused damages while driving on or with the insured Vehicle: 

  • damages caused to the life or health of a third party;
  • damages caused to a third party’s property.
IF I FALL OFF THE VEHICLE, GET TRAUMA AND NEED TO BE HOSPITALIZED, IS IT COVERED BY MY CITY COMBO INSURANCE?

Our Insurance covers both trauma and property interests of the Insured person, who got injured while using the insured Vehicle.

DOES MY INSURANCE COVER DAMAGES AND ACCIDENTS ONLY IN THE CITY OR ALSO OUTSIDE THE CITY (IN THE COUNTRYSIDE, IN THE WOODS, BY THE LAKES AND/OR RIVERS, IN THE NATURE TRAILS, ETC.)?

Our Insurance covers Insurance events which occurred within the Republic of Lithuania.

IF THE TIRE BROKE IN A STONE OR SOMETHING SHARP DURING THE RIDE, IS IT COVERED BY THE INSURANCE?

Once, during the insurance period, up to sum insured indicated in Insurance policy We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal or other object. 

INSURED EVENTS

WHERE CAN I FILE DOCUMENTS REGARDING THE INSURED EVENT?
  • If You register an accident report on Our website, You will be able to attach all the available documents to the report form;
  • If You have additional documents or applications to a registered accident or if You registered the accident by phone, submit them to Us by e-mail: zalos@balcia.lt .
WHO DO I REFER TO HAVING SUFFERED FROM A VEHICLE REGISTERED ABROAD?

You can file a claim directly with a foreign insurer of the vehicle at fault or the representative of this insurer in Lithuania.

If a foreign insurer has not appointed representative for claims administration in Lithuania, then, upon occurrence of the Insured Event, refer to any insurance company offering compulsory motor insurance in Lithuania, and if the Insured Event took place abroad, please contact the Bureau (www.cab.lt).

WHO DO I REFER TO HAVING SUFFERED FROM AN UNINSURED VEHICLE?

If an accident occurred in Lithuania, and the vehicle of the person responsible for the accident was not covered by compulsory motor insurance, You may refer to any insurance company offering compulsory motor insurance in Lithuania, which will administer the claim on behalf of the Bureau. If the event is recognized to be the Insured Event, that same insurance company will pay the insurance indemnity.

HOW SHOULD I REPORT AN INSURED EVENT?

You can report the Insured Event in the manner most convenient to You: 

IF I AM THE ONE AT FAULT OF A TRAFFIC ACCIDENT, DO I HAVE TO REPORT THE ACCIDENT?

Yes. You must report a traffic accident when You are at fault within 3 business days in all cases, unless an electronic traffic accident declaration was completed at the scene: https://draudimoivykiai.lt/ .

WHAT SHOULD I DO IF I DO NOT HAVE A TRAFFIC ACCIDENT DECLARATION IN A PAPER FORM?
  • If a traffic accident occurred in Lithuania, complete an electronic declaration at the scene of the accident. You can complete it on Your mobile device (phone) by clicking the link: https://draudimoivykiai.lt.
  • If an accident occurred abroad, draw a diagram of the accident and describe the circumstances of the accident as clearly as possible. Specify participants in the accident, the vehicles, witnesses (if any), the responsible person and confirm it all by signatures of all the participants in the accident.
WHEN COMPLETING A DECLARATION IS NECESSARY?

If upon the occurrence of a traffic accident there are no circumstances making it necessary to call the police, and participants in the accident agree on liability and on circumstances of the accident, You can complete an accident declaration.

WHEN DO I HAVE TO CALL THE POLICE?
  • If You disagree on the circumstances of and / or liability for a traffic accident with another road user (other road users);
  • If a person has been killed or injured in a traffic accident; If the owner of the suffered property is not known when (you are guilty of the event);
  • If the person having caused the accident is not known (when You are a suffered party);
  • In case of a theft from a vehicle or a car theft;
  • If the vehicle or property was damaged by illegal actions of third parties.
WHAT SHOULD I DO IN CASE OF A TRAFFIC ACCIDENT?
  • Take all possible measures to reduce consequences of the event (provide first aid, protect property, prevent the spread of fire, etc.).
  • Depending on circumstances of the event, immediately report it to the help line by calling 112 or, if the event took place outside Lithuania, – report it to the police.
WHO WILL PAY FOR SUBSTITUTE VEHICLE RENTAL COSTS AND WHAT DOCUMENTS DO I NEED TO PRESENT AFTER THE RENT IS OVER?

The rental costs may be paid by You and only the request for compensation together with the invoice and payment proof can be submitted to us. In this case we will compensate the money to you.

Or you can submit a request asking us to pay directly to the company which rented the substitute vehicle.

In case the accident is not considered an insurance event the costs are yours and they will not be compensated.

WHAT SHOULD I DO IF I HAVE THE NECESSITY TO RENT A SUBSTITUTE VEHICLE WHEN I HAVE CASCO POLICY?

In case You have chosen the Road Assistance service to Your CASCO insurance policy, then substitute vehicle rental services shall be provided to You according to the provisions indicated in your insurance contract.

WHAT SHOULD I DO IF I STILL HAVE QUESTIONS ABOUT SUBSTITUTE VEHICLE RENTAL COSTS COMPENSATION?

In case You haven’t find the answer to Your question, feel free to call us 19001, leave a message for a us or write an email via zalos@balcia.lt indicating Your claim case or vehicle plate number. Our specialists will contact You and together we will clarify all Your inquiries.

WHAT SHOULD I DO IF I STILL HAVE QUESTIONS ABOUT SUBSTITUTE VEHICLE RENTAL COSTS COMPENSATION?

If you are an injured party of an insured event and you have already submitted a request for a substitute vehicle proving its necessity having the objective rental period, then the before-mentioned costs shall be compensated.

It may happen that at the initial stage of claim case administration procedure we will not be able to confirm whether the accident can be declared as an insured event, therefor You will be individually informed about the specific conditions.

FOR WHAT PERIOD I CAN RENT A SUBSTITUTE VEHICLE?

Substitute vehicle rental costs shall be compensated for the period when your damaged vehicle is being repaired (we have to evaluate the repair estimate first). If Your damaged vehicle can not be driven then we shall also compensate the rental costs for the period before the repair.

If your vehicle is declared unrepairable, We shall cover the substitute vehicle rental costs which occurred until the insurance benefit is fully paid.

WHERE CAN I RENT A SUBSTITUTE VEHICLE?

For your convenience We offer You to choose our partners services and recommend You to rent a vehicle through them  - that would prevent You from worrying about the price or if a vehicle fits all established requirements.

If you choose to rent a substitute vehicle from another company in Lithuania offering such services, please make sure that the substitute vehicle fits the same class as your own vehicle which got damaged during the accident and that the rent costs are not higher that the average prices in the region.

WHAT CAN I EXPECT AFTER I SUBMIT A REQUEST FOR A SUBSTITUTE VEHICLE?

Our claims handling specialist shall evaluate both your request and provided documents as soon as possible and shall immediately contact you in the means comfortable to you regarding the next steps.

HOW CAN I INFORM YOU THAT I NEED A SUBSTITUTE VEHICLE?

Just simply write to us via zalos@balcia.lt or call 19001 informing us on the necessity of a substitute vehicle. Please indicate a reason for such a need.

AM I ENTITLED TO COMPENSATION FOR SUBSTITUTE VEHICLE RENTAL COSTS AS A INJURED PARTY OF AN ACCIDENT?

Substitute vehicle rental costs shall be compensated when the accident is confirmed being an insurance event and the encountered costs are recognized as necessary. These costs are not always recognised as such, however, in most cases, when a vehicle prior to an accident was used for work purposes, familly daily activities or for other important matters, and it got damaged in a way it could no longer be used for such purposes, but the need for those activities remained, we shall consider substitute vehicle rent costs as necessary.

WHAT ADDITIONAL DOCUMENTS DO I NEED TO PROVIDE IF I HAVE BEEN INJURED DURING A TRAFFIC ACCIDENT AND I HAVE INCURRED TREATMENT EXPENSES?

If You ask for indemnification of expenses related to health recovery, e.g. medicines, nursing supplies, paid procedures, etc., You shall provide a proof of purchase and factual evidence, such as receipts, invoices, etc.

WHAT DOCUMENTS DO I NEED TO PROVIDE IF I WAS INJURED IN A TRAFFIC ACCIDENT?
  • You shall provide, in all cases, a detailed statement from a medical institution, stating the diagnosis and reflecting Your current medical condition after the injury, also indicating the treatment prescribed for it, the treatment period and possible residual effects;
  • If You give Us a consent to the processing of Your personal health data, We by our self may ask the medical institution to provide this statement.
WHAT DOCUMENTS DO I NEED TO SUBMIT IF I AM GUILTY OF THE ACCIDENT?
  • A traffic accident declaration or another document confirming liability and circumstances of the accident (for example, a police statement), if You have one;
  • a copy of a driver’s licence;
  • photos or videos from the accident scene (if You have them);
  • information on witnesses and other available information important for the investigation of circumstances of the accident.

INSURANCE GLOSSARY

INSURANCE TERMS AND CONDITIONS

Standard terms and conditions of the insurance contract prepared by Us. They are available online at www.balcia.lt.

INSURANCE RISK

A likely threat beyond the control of the Insured Person, which threatens property interests of the Insured Person and is related to his or her life, health, property, or civil liability.

INSURANCE CERTIFICATE or POLICY

Document issued by Us, printed or electronic, depending on Policyholder’s choice, certifying the conclusion of an insurance contract, often simply called a “policy”.

INSURER or WE or BALCIA

Balcia Insurance SE, company licensed to conduct insurance activities in the Republic of Lithuania, operating through Balcia Insurance SE Lithuanian branch.

POLICYHOLDER

A natural or a legal person who has applied to Us or Our representative for the conclusion of an insurance contract or to whom We have offered to conclude an insurance contract, or who has concluded an insurance contract with Us.

GROSS NEGLIGENCE

Actions (action or omission), which person would not have committed, had she or he complied with minimum requirements of care and attention.

BUREAU

Motor Insurers’ Bureau of the Republic of Lithuania established based on legal acts of the Republic of Lithuania. For more information about its activities, see www.cab.lt.

ASSISTANCE COMPANY

Our partner, who, in case of a travel insurance claim, will help You to resolve all the emerged issues quicker. It is also Our partner, who will help You in case of a road traffic accident or a vehicle breakdown, if You have ordered roadside assistance service.

INSURED PERSON

A person clearly stated in the insurance contract. We shall have an obligation to pay an insurance indemnity in case of occurrence of the Insured Event in the Insured Person’s life.

DEDUCTIBLE

The sum that is deducted from the insurance indemnity amount payable to Policyholder, each Insured or Beneficiary for each Insured Event. Depending on the selected Insurance Risk, it may be specified in the Insurance Contract as a specific amount or as a percentage of the calculated loss amount.

CASCO

Voluntary motor own damage insurance.

CORRESPONDENT

Our partner abroad, who helps us to administer Insured Events that have happened abroad faster in case of compulsory motor insurance. 

BENEFICIARY

A person appointed by You and specified in the Insurance Contract, entitled to receive an insurance indemnity in case of the Insured Event.

ACCIDENT

A sudden, unexpected event, independent of the will of the Insured Person, that happened to the Insured Person during the validity period of the Insurance Contract, when damage was done to the life or health of the Insured Person.

COMPULSORY MOTOR INSURANCE

Compulsory motor third party liability insurance.

SELF-SERVICE PORTAL

Our website www.balcia.lt.

INSURED EVENT

An incident provided for in the insurance contract upon the occurrence of which We shall be obliged to pay an insurance indemnity.

SUM INSURED

The amount of money specified in the Iinsurance Contract or calculated in accordance with the procedure established therein, which an insurance indemnity may not exceed. The Sum Insured shall be determined for each Insured and for each selected Insurance Risk. The Sum Insured shall be reduced by the amount of the insurance indemnities paid for each Insured Person. Exceptions may be stated in the insurance contract.

HOME INSURANCE

Can I insure a rented apartment?

Yes, You can insure apartment or house if it is rented out. Just please inform us about this before concluding the policy.

Does property insurance cover apply when I leave home during my vacation?

Yes, Property insurance cover is valid for the property that is left at the insurance place during your vacation and we even cover property that you take with you on your vacation, bussiness trip or any other type short trip.

Does the property insurance cover apply to a scooter /motorbike / motorcycle?

We will cover losses for: motorized bicycles, scooters and wheelchairs till 25hp, boats up to 5 m long and boat engines up to 25 HP stored and locked in the Insured House.

Is property insurance cover valid during construction and housing repairs?

We will cover during construction and repair works if such works of the insured object don't require a construction permit in accordance with the regulatory enactments of the Republic of Lithuania.

Will deduction be aplied for civil liability cases?

It depends on the insurance terms you choose. Concluding insurance contract You can choose deductible amount 0 EUR per claim case, so that for every claim case theare won't be any deduction.

Does property insurance cover apply if the loss was caused by pets at home?

We will cover all losses what is caused by pets if the insured event is related to risk of fire or glass breakage damage.

Is it possible to conclude an insurance contract for more than 1 year? E.g. Loan period?

Insurance contract can be made for 1 year and then every year We will give contract renewall.

If I am the co-owner of the property, is the written consent of the other co-owner required for a property insurance contract?

You can insure all Property by Your self, don't need co-owner written consent.

How can I determine the value of my apartment/house?

"During the process of concluding Insurance contract we will sugest You Sum insured for Your Apartment or House, if it's will not suit Your requirments You can change it. 

! But rebember in case You changes Sum insured theare could be situatation of underinsurance (insured less then real value) or overinsurace (insured more then real value)."

What is the increased risk in the case of property insurance?

Increased risk in Property insurance would be cases when Your property is  uninhabited, build from wood, rented, don't have fire or alarm systems. You have to inform us about any of these cases before concluding insurance contract.

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