NEW - agency "Kamin" is beginning to work property insurance.

INSURANCE PACKAGE housing and household items

SUBJECT OF INSURANCE - The package shall be provided along:
1 houses, flats and cottages massive mještovite or materials that are owned by individuals and
2 household items.

It can provide:
- Individually only objects - if someone wants it for kredina or assignment of, then we fire insurance;
- Facilities slight of build - include fire insurance;
- Individually only household items.

INSURED RISK - This insurance offering protection against the following risks:
1 Fire - basic and additional risks together
2 Burglary and robbery,
3 Glass breakage,
4 Responsibility as an individual.

OUR GOAL:
Increased production - increasing the number of policies and increasing premiums for this type of insurance.

Therefore we have product:
1 wide of cover for which is of interest to our clients,
2 which includes the risk that our competition does not offer,
3 which allows quick and easy making policy
- And all this in order to have satisfied customers -

Insurance package

Insurance offers 3 packages
1 BASIC
2 STANDARD
3 LUXURY

BASIC PACKAGE PROVIDES COVERAGE FROM: fire, lightning, explosion, storm, hail (hail) falling air craft, events and demonstrations, leakage of water from the water and drainage pipes and tubes from the machine and hot water installation (flush / porkiće narrow), stroke own motor vehicle, burglary and robbery, the costs of emergency accommodation and responsibility (too tight / narrow coverage) to 6,000 EUR per loss event.

STANDARD PACKAGE PROVIDES COVERAGE FROM: risks included in the basic package plus the following risks: the leakage of water from the water and drainage pipes and tubes from the machine and hot water installations (wide coverage), flood, flood and high water, snow avalanches, landslides and slide, breaking of glass windows and doors of residential building, accountability (wider coverage) to 8,000 EUR per loss event.

LUXURY PACKAGE PROVIDES COVERAGE FROM: risks included in the standard package plus the following risks: escape of water from the aquarium, weight of snow, rain water, shock of the unknown vehicle, impact of falling trees, vandalism, glass breakage of glazed balconies, fracture sanitation costs coercive relocation, cost of remaking destroyed identity documents, the cost of changing locks or making new keys in case of lost keys and locked, liability up to € 10,000 per event.

FEATURES OF THIS PRODUCT
1 BUILDINGS ARE INSURED to the new value regardless of which package to ensure household items is selected.
It means:
- That in case of total damage - damages will be the new price m2 building without obtaining depreciation, less the value of processed residues or parts;
- That in case of partial damage - damages will be the cost of the repairs and necessary materials without deduction of depreciation.

2 Household items are secured in a partly new value except for insurance schemes luxury packages where things are secured on the new value.
It means:
- That in case of total damage - damages to be the new purchase value of such same or similar things uzmanjena depreciation,
- That in case djelimnične damages - damages will be the cost of the repairs and necessary materials without deduction of depreciation.
- Kot luxury package - the furniture to the age of 8 years Machinery and equipment 3 years old insured on a new value.

3 IN ADDITION TO THE RISKS COVERED IN SELECTED PACKAGE IN CASE OF DAMAGES AND EXPENSES ARE COVERED:
- Cleaning, demolition and loosing up to 3% of the sum insured property;
- Made the intervention of firefighters in a secure facility or in neighboring ogjektima to 3% of the sum insured property;
* And for each adverse event *

4 RISKS HAVE A WIDER COVERAGE:

4.1. The risk of leakage of water covers:
- Damage caused by leakage of water from the common installation unsecured apartment;
- Damage caused by leakage of water from open taps unsecured apartment;
- The cost of replacing the pipes.

4.2. RISK burglary and robbery COVERED AND DAMAGE:

the things stored in other rooms (in the basement ceiling, garage ...) to 3% of the sum insured (risk level 1) items,

the secured housing unit (building parts, doors, locks, walls ...) to 3% of the sum insured dwelling.

5 INSURANCE COVERAGE AND SOME NEW DANGERS:
- Impact of falling trees;
- Pour the water from the aquarium;
- Weight of snow;
- Storm water;
- Vandalism;
- The breaking of glass loggia and broken toilets (toilets and sinks);
- Emergency expenses (forced removals, re-creating personal documents, to change the locks and new keys in case of lost keys and locked).

BENEFITS OF OUR PRODUCT:

1 EASY ASSEMBLY OF INSURANCE:
Insurance must be concluded on the basis of completed and signed bid.
Premiums for residential property is calculated by multiplying the sum insured with a single premium rate, depending on the category of the facility construction and regardless of where the facility is located (the premium rate is not determined by the class of danger).

Additional risks of fire are included in the premium rate is not necessary to calculate them.

The sum insured object is determined by the size (number m2) facility multiplied by the new construction cost per square meter.

Premium household items not be calculated, it has already been calculated in accordance with selected package and the amount of coverage, it is only tariffs to choose from, and write the policy.

Household items are provided on the first risk (coverage limit). The chosen amount of cover shall not be less (lower) than the 30% or higher than 100% of the residential building.

For exceptions to this rule requires written approval of the responsible person.

2 Insurance is the new value,
3 Broad coverage of risk,
4 It covers a number of risks,
5 Lower the premium on the competition which does not offer all the risks.