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Insurance against fire and other natural disasters 

Brief description of the product

Protection of the buildings (as a whole, including the installations that ensure functionality thereof) and properties (furniture, fixed assets/ inventory objects, equipment, devices, installations, raw materials, stocks, etc.).

Object of insurance

• Buildings and other structures: apartments in the multi-storey buildings, dwelling houses and annexes thereto
• Electrical, thermal, lifting and sanitary Installations and equipment, devices, equipment and furniture. This category of property comprises: plant units, installations, machinery and equipment used for production and commercial activities, measuring and control devices, transport and storage facilities, contents and outfits at the location of the companies
• Other properties (fixed assets, inventory objects, stocks of raw materials and finished materials/products)

Subject of insurance

Owner/holder of the real estate/property located in the territory of the Republic of Moldova.

Main risks

• FLEXA – fire (including the damages caused by emissions of smoke, gas and vapors produced as a consequence of a fire or explosion):
  • Stroke of lightning
  • Explosion
  • Earthquake
  • Floods and shower rains
  • Atmospheric phenomena (storm, hail, gale)
  • Landslides
• Crashes of the airborne and space vehicles (including fall of the parts thereof and of the objects shipped by them)
• Impact of the road vehicles that do not belong to the Insured and which are not even in the Insured’s use
• Smoke emissions caused by heating plant accidents
• Accidental fall of the objects (pillars, trees, rocks, etc.)
• Snow cover burden
• Damages produced by water and caused by accidents at the fixed installations servicing the buildings; expenses for localization thereof and access thereto
• Theft and/or robbery

Amount insured

If the contract does not stipulate otherwise, the value of the property to be insured shall be equal to the amount insured, as defined in the insurance contract.

Insurance premium

0.05% and 1.5% of the amount insured, depending on several factors: real property purpose, geographical area it is located in and/or property insured, type of the building, materials used in construction works, agreed schedule of protection, amount insured, etc.

Territory

Republic of Moldova.

Insurance packages

Мovable and immovable property