Why is this insurance important and specific?
If you pay attention to the media reports and experience of people you meet or hear about on a daily basis, you will realize that burglary and robbery are very much part of everyday life, not only in Serbia, but throughout the world.
Despite the most sophisticated security measures, cash and other valuables often disappear without a trace. One of the best ways make up for such a loss is certainly to insure your property against burglary and robbery.
What is insured?
Subject matter of insurance may include movable property owned by the insured person, such as:
• Furniture, appliances, machines and apparatuses, stocks, works of art, books, various collections and valuable objects etc.
• Cash in various depositories, valuables, bonds, cheques, shares
• Cash in exchange offices, banks, cash in transit
• Property of the insured`s employees, third party belongings for which the insured is responsible under a contract and the like.
Property can be insured according to the list which contains identification data, or as a group of objects, provided that accounting records are in place, in accordance with the law.
Which risks are covered?
Insurance protection is provided against the actual or attempted burglary and robbery and/or theft, as well as against consequences of frivolous and vexatious actions and/or vandalism in the course of burglary and robbery.
What is the agreed insured value?
The insurance is written to the sum insured. The sum insured is also the maximum indemnity payable in case of a risk occurrence and it can be estimated by you or by an expert, or taken over from the accounting records or contracted to the amount of a possible loss (“first loss”) where possible.
What does the premium amount depend on?
Premium amount depends on the sum insured, method of insurance, place and depository of the insured object, type of insured object, insured cash amount, agreed loadings and granted discounts.
What is indemnified in case of loss?
In the event of loss or destruction, the indemnity is paid for the value of the insured object up to the sum insured. In the event of damage, the costs of repair (labour and material) are reimbursed. In addition, a certain percent of indemnity is paid for damage to building structures, installations and equipment in building structures where the insured objects are located, which occurred as a result of committed or attempted burglary.
In addition, the costs of the insured person incurred to eliminate and minimise the loss, whether successfully or not, will be reimbursed.
What benefits can you expect?
Meeting particular conditions – notably in terms of protective measures taken against the insured risks – scope of cover, selected insurance period, method of payment etc. are the factors that make you eligible for various discounts on the insurance premium of Dunav Insurance Company.
Should you need any additional information about the Burglary and Robbery Insurance or have any questions regarding your property or any other property you are interested in insuring, please do not hesitate to call the contact telephones of our nearest branch, point of sale or a business office.