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.
- 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
- Floods and shower rains
- Atmospheric phenomena (storm, hail, gale)
- 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
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.
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.
Republic of Moldova.
Мovable and immovable property