Business insurance, easier than ever

 
 

Your business insurance, just the way you need it

Protect your income by giving your business the coverage it truly deserves. Whether you operate from a building you own or a space you rent, at Anytime you’ll find insurance solutions tailored to your needs.

 
  • Comprehensive programs & Crystal-clear coverage options
  • Possibility to add coverage for Employer's Liability
  • Easy and fast insurance process
  • Competitive premiums
  • Friendly and direct customer service
  • Reliability of Interamerican
  • The credibility of INTERAMERICAN

More choices

 
 

Business insurance options

 

Building

 

Whether you own the building where your business operates or you’ve invested in improvements as a tenant, you can ensure it and protect your investment with confidence.

 

Content

 

Protect your business assets and enjoy peace of mind against every risk

 

Goods

 

Ensure comprehensive protection, including coverage for your business inventory.

 
 

More options in coverage products

Choose between two premium levels of coverage, designed for today’s business needs, with the option to add “Employer Liability” protection, so you can customize your insurance exactly the way your business deserves.

Business Value

An expanded selection, with a wide range of coverages for your basic needs — and more!

The covers in detail

Business Premium

The most comprehensive insurance plan for complete protection against every risk.

The covers in detail
 
 

More for you

 

Access anything, anytime

With my anytime, our new and totally free online service, you can finally control your insurance policy, your payments and a lot more from anywhere you are!

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Motor insurance

Affordable premiums and excellent coverage so that you can feel safe and carefree, anytime.

Find out more
 
 
 

 

 

Economic

The program that covers your basic needs.

  • Earthquake

    Cover is provided for damage caused to the Insured Items:

    • directly by earthquake
    • indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

    The excess per claim is up to 1,5% of the total sum insured.

  • Fire, forest fire, thunder, smoke

    Covers the damage to your home that will result from:

    • Fire or Lightning Strike forest fire
    • thunder
    • smoke

  • Vehicle impact, plane collission, tree fall, branches, poles

    Cover is provided for damage caused to the Insured Items as a result of:

    • car impact
    • plane impact or objects that fall from it
    • falling trees, branches, or poles

  • Common areas coverage

    Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

    Maximum compensation limit:

    • up to 20% of the total building insured value and
    • up to 5% of the total content insured value

  • Damages caused during fire extinguishing, debris removal

    In case of damage that is covered by the Insurance Policy, the following costs are covered:

    • Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
    • Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
    • Costs for demolition and collection of debris in direct relation to the covered damage.

    Maximum compensation limit up to 5% of the total Sum Insured

  • Explosion

    Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

  • Damage to solar panels

    Cover is provided for solar panels installed on the exterior side of the structure of the Home caused by risks specifically covered by the Insurance Policy in respect of damage to the Building.

    No cover is provided for damage caused to solar panels by:

    • short circuit
    • overloading of the electrical network
    • hypertension
    • arc formation
    • power failure

  • Expenses for issuing building permits

    Cover is provided for the expenses for issuing permits concerning civil engineering works for making repairs to the Home from a risk covered under the Insurance Policy, including the fees of the civil engineer.

Business Value

    Material Damage

    Material damages arising to the insured property from any accidental and sudden event are covered.
    Damages that fall under the exclusions of the Insurance policy are not covered.

    All Risks

    Terrorist Acts

    Material damage to the Insured property caused by fire or explosion due to Terrorist acts is covered.

    Landslide and Subsidence

    Material damage to the Insured property caused by sudden subsidence, uplift, or landslide of the ground is covered.

    Material Damage Extensions 

    Architects & Engineers Fees

    Reasonable and necessary expenses for architects and civil engineers related to the restoration of the damage are covered. Expenses related to the submission of any claim are not covered. Maximum compensation limit up to 10% of the insured amount of the Building.

    Debris Removal

    Reasonable and necessary expenses are covered for: 

    • Removal of debris from the Insured property that suffered damage from the damage site and the area immediately adjacent to such site,
    • Demolition and/or dismantling of the Insured property that suffered damage.

    Maximum compensation limit up to 10% of the total insured amount.

    .

    Fire Extinguishing Expenses

    The cost of replenishing and restoring firefighting devices and fire detection equipment used in the process of minimizing Material damage is covered. 

    Maximum compensation limit up to:

     

    • €1000 for the Business Value plan
    • € 5000 for the Business Premium plan.

    Replacement of Locks

    In case of loss or theft of keys that open the external doors of the Premises, the cost of replacing the locks is covered. 

    Maximum compensation limit up to €500.

    Loss of Water

    Charges for excessive water consumption for which the Insured person is responsible due to water loss recorded through a meter as a result of accidental water escape from pipes, appliances, or tanks of the Premises due to an Accident are covered. 

    Maximum compensation limit up to €500.

    Temporary Removal - Cleaning

    Material damage to Insured property (other than Goods) during its temporary road transport within the Republic of Cyprus for cleaning, renovation, or repair is covered. 

    Maximum compensation limit up to

    • € 2.500 for Business Value plan
    • € 5.000 for Business Premium plan

    Accidental Damage to Glasses and Mirrors

    Material damage to fixed external/internal glass panes and mirrors, as well as internal fixed glass partitions of the Premises, including their frames, glass doors, glass partitions of spaces, and glass facades, is covered. 

    Maximum compensation limit up to €5,000.

    Underground Services

    Necessary and reasonable expenses incurred by the Insured for cleaning or repairing ducts, gutters, sewers, pipes, cables, and telecommunication cables for which they are responsible are covered. 

    Maximum compensation limit up to 10% of the insured amount of the Building.

    Trace and Access

    Necessary and reasonable expenses incurred by the Insured for locating the cause of water or fuel escape so that repairs can be carried out, as well as the cost of restoring any damage caused to locate the cause of the damage (excluding damage to the tanks, appliances, or pipes themselves) are covered. 

    Maximum compensation limit up to €2,000.

    Payment of Rents

    In case of Material damage to the Building or Contents resulting in the Premises or any part thereof becoming unfit for occupation and use, the following is covered: 

    • Where the Insured is the owner of the Premises, the rent lost for the period the building cannot be used, or
    • Where the Insured is a tenant of the Premises, the rent paid for the period the building cannot be used 

    Maximum compensation limit up to 10% of the insured amount.

    Damage to the Building due to Theft

    Material damage to the Building caused by theft or attempted theft, which involves entry into or exit from the Premises following a forcible and violent entry, provided there are visible signs of forced entry, or the use of force or the threat of force against a person, is covered.

    Maximum compensation limit up to €1,000.

    Short circuit of electrical installations of a building

    Material damage to part or parts of the electrical installations of the premises caused by short circuit, electrical network overload, overvoltage, arc formation, or electrical leakage is covered.

    Maximum compensation limit up to €1,000.

    Short circuit of Electrical Appliances

    Material damage to electrical and electronic devices located within the premises caused by short circuit, electrical network overload, overvoltage, arc formation, or electrical leakage is covered.

    Maximum compensation limit up to €1,000.

    Business Interruption Allowance

    Inability to Access

    In the event of material damage to neighboring property (located within a distance of less than 1 kilometer from the insured location) where this damage hinders or makes it difficult to access or use the insured location, then the business interruption will be considered to be caused by covered material damage.

    Goods in Transit

    Goods in transit by a motor vehicle owned by the Insured are covered as a result of collision or overturning of the vehicle or theft following the forcible entry into the vehicle.

    Maximum compensation limit up to €2,500.

    Deterioration of Freezing and Refrigerator Contents

    Personal Accidents

    In the event of an accident resulting in the death of any employee during the performance of their duties in the business, the company will pay the employee’s personal representative the amount of €10,000.

    Maximum compensation limit per insurance period is €20,000.

    Public Liability

    The Company will pay any amount that the Insured is legally liable to pay to third parties as compensation for death, bodily injury, or material damage, including interest and legal costs of the claimant, provided that the liability arises within the scope of the Business.

    Maximum compensation limit per incident up to

    • for Business Value - per incident up to €100,000 and per insurance period up to €200,000.
    • for Business Premium - per incident up to €200,000 and per insurance period up to €400,000.

    Public Liability Cross Cover

    In the event that the Insured consists of more than one party, the Company will provide coverage in accordance with the terms of this Insurance Policy to each such party in the same manner and to the same extent as if a separate coverage had been issued for each party, provided that the Company's total liability for any liability incurred by any one or all of the parties will not exceed the overall liability limit applicable to the Liability Coverage.

    Product Liability

    The Company will pay any amount that the Insured is legally liable to pay to third parties as compensation for death, bodily injury, or material damage directly caused by any Product, including interest and legal costs of the claimant, provided that the liability arises within the scope of the Business.

    Maximum compensation limit per incident and per insurance period up to:

    • € 100.000 for Business Value plan
    • € 200.000 for Business Premium plan

    Product Cross Liability

    In the event that the Insured consists of more than one party, the Company will provide coverage in accordance with the terms of this Insurance Policy to each such party in the same manner and to the same extent as if separate coverage had been issued for each party, provided that the Company’s total liability for any liability incurred by any one or all of the parties shall not exceed the overall liability limit applicable to the Products Liability Coverage.

Business Premium

    Material Damage

    Material damages arising to the insured property from any accidental and sudden event are covered.
    Damages that fall under the exclusions of the Insurance policy are not covered.

    All Risks

    Terrorist Acts

    Material damage to the Insured property caused by fire or explosion due to Terrorist acts is covered.

    Landslide and Subsidence

    Material damage to the Insured property caused by sudden subsidence, uplift, or landslide of the ground is covered.

    Material Damage Extensions 

    Architects & Engineers Fees

    Reasonable and necessary expenses for architects and civil engineers related to the restoration of the damage are covered. Expenses related to the submission of any claim are not covered. Maximum compensation limit up to 10% of the insured amount of the Building.

    Debris Removal

    Reasonable and necessary expenses are covered for: 

    • Removal of debris from the Insured property that suffered damage from the damage site and the area immediately adjacent to such site,
    • Demolition and/or dismantling of the Insured property that suffered damage.

    Maximum compensation limit up to 10% of the total insured amount.

    .

    Public Authorities

    The additional cost for the restoration of the property that has been damaged is covered, provided that this cost arises from the need to comply with building or other regulations required by law or by competent authorities.

    Maximum compensation limit up to 10% of the insured amount of the Building.

    Fire Extinguishing Expenses

    The cost of replenishing and restoring firefighting devices and fire detection equipment used in the process of minimizing Material damage is covered. 

    Maximum compensation limit up to:

     

    • €1000 for the Business Value plan
    • € 5000 for the Business Premium plan.

    Replacement of Locks

    In case of loss or theft of keys that open the external doors of the Premises, the cost of replacing the locks is covered. 

    Maximum compensation limit up to €500.

    Loss of Water

    Charges for excessive water consumption for which the Insured person is responsible due to water loss recorded through a meter as a result of accidental water escape from pipes, appliances, or tanks of the Premises due to an Accident are covered. 

    Maximum compensation limit up to €500.
    Workers (Works, improvements, renovations)

    Material damage to Insured property caused during renovation works due to the contractor’s fault is covered, provided that the cost of the works does not exceed the amount of €5,000.

    Temporary Removal - Cleaning

    Material damage to Insured property (other than Goods) during its temporary road transport within the Republic of Cyprus for cleaning, renovation, or repair is covered. 

    Maximum compensation limit up to

    • € 2.500 for Business Value plan
    • € 5.000 for Business Premium plan

    Accidental Damage to Glasses and Mirrors

    Material damage to fixed external/internal glass panes and mirrors, as well as internal fixed glass partitions of the Premises, including their frames, glass doors, glass partitions of spaces, and glass facades, is covered. 

    Maximum compensation limit up to €5,000.

    Underground Services

    Necessary and reasonable expenses incurred by the Insured for cleaning or repairing ducts, gutters, sewers, pipes, cables, and telecommunication cables for which they are responsible are covered. 

    Maximum compensation limit up to 10% of the insured amount of the Building.

    Trace and Access

    Necessary and reasonable expenses incurred by the Insured for locating the cause of water or fuel escape so that repairs can be carried out, as well as the cost of restoring any damage caused to locate the cause of the damage (excluding damage to the tanks, appliances, or pipes themselves) are covered. 

    Maximum compensation limit up to €2,000.

    Payment of Rents

    In case of Material damage to the Building or Contents resulting in the Premises or any part thereof becoming unfit for occupation and use, the following is covered: 

    • Where the Insured is the owner of the Premises, the rent lost for the period the building cannot be used, or
    • Where the Insured is a tenant of the Premises, the rent paid for the period the building cannot be used 

    Maximum compensation limit up to 10% of the insured amount.
    Business Loan Installments

    In the event of material damage resulting in the temporary interruption of the business operation, up to 6 installments of any business loan exclusively related to the business are covered for the duration of the interruption until the material damage is restored.

    Maximum compensation limit up to 10% of the insured amount with a monthly limit of €2,000 and a maximum indemnity period of 6 months.
    Relocation Expenses

    Reasonable and necessary expenses incurred by the Insured, with the written consent of the Company covered, for:

    • Temporary relocation of the Business to another location,
    • Transportation of the Contents and temporary storage in another location,
    • Reinstallation of the Business and transportation of the Contents back to the Premises after the damage has been restored.

    Maximum compensation limit up to 10% of the insured amount with a minimum amount of €1,000 and a maximum amount of €7,500.

    Outdoor Awnings, Attachments & Signs

    Material damage to external awnings, attachments, and signs included in the insured property as a result of storm, tempest, or flood is covered.

    Maximum compensation limit up to €1,000.

    Custody Costs

    Necessary and reasonable expenses for the safeguarding of the Contents at the Premises are covered, with a maximum time limit of 5 days from the day the Material damage occurred.

    Maximum compensation limit up to €5,000.

    Damage to the Building due to Theft

    Material damage to the Building caused by theft or attempted theft, which involves entry into or exit from the Premises following a forcible and violent entry, provided there are visible signs of forced entry, or the use of force or the threat of force against a person, is covered.

    Maximum compensation limit up to €1,000.

    Short circuit of electrical installations of a building

    Material damage to part or parts of the electrical installations of the premises caused by short circuit, electrical network overload, overvoltage, arc formation, or electrical leakage is covered.

    Maximum compensation limit up to €1,000.

    Short circuit of Electrical Appliances

    Material damage to electrical and electronic devices located within the premises caused by short circuit, electrical network overload, overvoltage, arc formation, or electrical leakage is covered.

    Maximum compensation limit up to €1,000.

    Business Interruption Allowance

    Inability to Access

    In the event of material damage to neighboring property (located within a distance of less than 1 kilometer from the insured location) where this damage hinders or makes it difficult to access or use the insured location, then the business interruption will be considered to be caused by covered material damage.

    Coverage of Newly Acquired Assets

    Any new addition or improvement made to the building, up to the amount of €20,000, or any new asset that constitutes contents and was acquired after the commencement of the Insurance Period, is covered, provided that the Building and/or contents are included in the Insured property.

    Goods in Transit

    Goods in transit by a motor vehicle owned by the Insured are covered as a result of collision or overturning of the vehicle or theft following the forcible entry into the vehicle.

    Maximum compensation limit up to €2,500.

    Deterioration of Freezing and Refrigerator Contents

    Personal Accidents

    In the event of an accident resulting in the death of any employee during the performance of their duties in the business, the company will pay the employee’s personal representative the amount of €10,000.

    Maximum compensation limit per insurance period is €20,000.

    Public Liability

    The Company will pay any amount that the Insured is legally liable to pay to third parties as compensation for death, bodily injury, or material damage, including interest and legal costs of the claimant, provided that the liability arises within the scope of the Business.

    Maximum compensation limit per incident up to

    • for Business Value - per incident up to €100,000 and per insurance period up to €200,000.
    • for Business Premium - per incident up to €200,000 and per insurance period up to €400,000.

    Public Liability Cross Cover

    In the event that the Insured consists of more than one party, the Company will provide coverage in accordance with the terms of this Insurance Policy to each such party in the same manner and to the same extent as if a separate coverage had been issued for each party, provided that the Company's total liability for any liability incurred by any one or all of the parties will not exceed the overall liability limit applicable to the Liability Coverage.

    Product Liability

    The Company will pay any amount that the Insured is legally liable to pay to third parties as compensation for death, bodily injury, or material damage directly caused by any Product, including interest and legal costs of the claimant, provided that the liability arises within the scope of the Business.

    Maximum compensation limit per incident and per insurance period up to:

    • € 100.000 for Business Value plan
    • € 200.000 for Business Premium plan

    Product Cross Liability

    In the event that the Insured consists of more than one party, the Company will provide coverage in accordance with the terms of this Insurance Policy to each such party in the same manner and to the same extent as if separate coverage had been issued for each party, provided that the Company’s total liability for any liability incurred by any one or all of the parties shall not exceed the overall liability limit applicable to the Products Liability Coverage.

 

 

Content Plus

An ideal insurance program for your home’s content.

  • Fire, forest fire, thunder, smoke

    Covers the damage to your home that will result from:

    • Fire or Lightning Strike forest fire
    • thunder
    • smoke

  • Vehicle impact, plane collission, tree fall, branches, poles

    Cover is provided for damage caused to the Insured Items as a result of:

    • car impact
    • plane impact or objects that fall from it
    • falling trees, branches, or poles

  • Common areas coverage

    Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

    Maximum compensation limit:

    • up to 20% of the total building insured value and
    • up to 5% of the total content insured value

  • Damages caused during fire extinguishing, debris removal

    In case of damage that is covered by the Insurance Policy, the following costs are covered:

    • Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
    • Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
    • Costs for demolition and collection of debris in direct relation to the covered damage.

    Maximum compensation limit up to 5% of the total Sum Insured

  • Explosion

    Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

  • SRCC - Strikes, Riots, Civil Commotion

    Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

    • Strike
    • Riots
    • Civil Commotion

  • Flood, storm, hail & thunderstorm

    Cover is provided for damage caused to the Insured Items as a result of:

    • Flood
    • storm
    • hail
    • thunderstorm

  • Bursting of pipes

    Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

    • water supply
    • heating
    • cooling
    • sewerage

    Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

    Excess €200 per claim

  • Occupier’s Liability against third parties

    The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

    For the purposes of this cover, all persons are considered third parties except:

    • the Insured Person
    • the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
    • the Insured Person’s employer or employees
    • the persons to whom any work has been assigned by the Insured Person

    A sub-limit of 50% of the I.A.

  • Theft of Content as a result of burglary / robbery

    Cover is provided for the loss of Content due to theft or robbery.

    Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

  • Short circuit of electrical appliances

    Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

    • short circuit
    • overloading of the electrical network
    • hypertension
    • arc formation
    • power failure

    The maximum we will pay is 3% of the Content sum insured

  • Malicious damage

    Cover is provided for malicious damage to the Insured Items by any person intentionally for the purpose of vandalism or sabotage.

  • All risks

    Cover is provided for material damage caused to the Insured Items as a result of an incident other than the risks specifically covered and set out in the Insurance Policy Schedule.

  • Earthquake

    Cover is provided for damage caused to the Insured Items:

    • directly by earthquake
    • indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

    The excess per claim is up to 1,5% of the total sum insured.

  • NEW     Replacement of locks

    In the event of loss of the Home’s keys due to theft or robbery or attempted theft or burglary, the Company will cover the cost of replacing the locks of the Home.

    A sub-limit of €500 applies.

 

 

Content Extra

A complete insurance program for your home’s content.

  • Fire, forest fire, thunder, smoke

    Covers the damage to your home that will result from:

    • Fire or Lightning Strike forest fire
    • thunder
    • smoke

  • Vehicle impact, plane collission, tree fall, branches, poles

    Cover is provided for damage caused to the Insured Items as a result of:

    • car impact
    • plane impact or objects that fall from it
    • falling trees, branches, or poles

  • Common areas coverage

    Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

    Maximum compensation limit:

    • up to 20% of the total building insured value and
    • up to 5% of the total content insured value

  • Damages caused during fire extinguishing, debris removal

    In case of damage that is covered by the Insurance Policy, the following costs are covered:

    • Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
    • Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
    • Costs for demolition and collection of debris in direct relation to the covered damage.

    Maximum compensation limit up to 5% of the total Sum Insured

  • Explosion

    Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

  • SRCC - Strikes, Riots, Civil Commotion

    Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

    • Strike
    • Riots
    • Civil Commotion

  • Flood, storm, hail & thunderstorm

    Cover is provided for damage caused to the Insured Items as a result of:

    • Flood
    • storm
    • hail
    • thunderstorm

  • Bursting of pipes

    Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

    • water supply
    • heating
    • cooling
    • sewerage

    Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

    Excess €200 per claim

  • Occupier’s Liability against third parties

    The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

    For the purposes of this cover, all persons are considered third parties except:

    • the Insured Person
    • the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
    • the Insured Person’s employer or employees
    • the persons to whom any work has been assigned by the Insured Person

    A sub-limit of 50% of the I.A.

  • Theft of Content as a result of burglary / robbery

    Cover is provided for the loss of Content due to theft or robbery.

    Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

  • Short circuit of electrical appliances

    Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

    • short circuit
    • overloading of the electrical network
    • hypertension
    • arc formation
    • power failure

    The maximum we will pay is 3% of the Content sum insured

  • Malicious damage

    Cover is provided for malicious damage to the Insured Items by any person intentionally for the purpose of vandalism or sabotage.

  • Breakage of glass, sanitary fixtures and mirrors

    Cover is provided for the shattering of the glass panes, sanitary fixtures and mirrors of the building by a sudden and accidental incident, including costs of installation and damage caused to the Insured Items by the glass, sanitary fixtures or mirrors.

    A sub-limit of 3% of the I.A.

  • All Risks

    Cover is provided for material damage caused to the Insured Items as a result of an incident other than the risks specifically covered and set out in the Insurance Policy Schedule.

  • Earthquake

    Cover is provided for damage caused to the Insured Items:

    • directly by earthquake
    • indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

    The excess per claim is up to 1,5% of the total sum insured.

  • NEW     Relocation expenses

    If the Home is occupied by the Insured Person and suffers damage by a risk covered by the Insurance Policy, and as a result the Home becomes uninhabitable and the Insured Person is required to relocate to another residence until the Home becomes inhabitable again, the Company will cover the Insured Person’s relocation expenses to the temporary residence.

    It is paid for, for up to twelve months with the maximum amount of compensation indicated in the Insurance Policy Schedule.

  • NEW     Replacement of locks

    In the event of loss of the Home’s keys due to theft or robbery or attempted theft or burglary, the Company will cover the cost of replacing the locks of the Home.

    A sub-limit of €500 applies.

  • Optional     Theft of Content without burglary or robbery

    Cover is provided for loss of Content from theft (which for the purposes of this article only, does not require breaking into the Home by violent means) occurring with or without a burglary or robbery.

    Additionally, cover is provided for loss caused to Content from the burglars during a burglary or robbery, even if no items are stolen.

  • Optional     Jewelry

    Cover is provided for loss of jewelry or watches that are in the Home, caused by theft or burglary.

    A sub-limit of 30% of the I.A.

 

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