Combined Home Insurance: Housing and Accidents in One Contract

• Goods, persons or risks not stated in the policy are not covered, nor are events caused by circumstances that began before the contract came into effect, war, terrorism, radiation and biological or chemical contamination. Excluded are loss of income, moral damages and indirect losses, theft not confirmed by law enforcement, and damage caused intentionally by the insured or their family. The Accidents section does not cover intentional acts, offences, or official sports competitions or training, unless otherwise agreed; the full list is in the insurance terms.

• For the Home, Household contents and Liability to third parties sections, a deductible of 10% of the loss amount applies per case; no deductible applies to the Accidents section. Compensation for a single household item is generally limited to MDL 5,000, except for items expressly listed in the inventory, and household belongings are not covered against lightning strike. In the Accidents section, the aggregate sum is divided by the number of insured persons in the policy, and total payments cannot exceed the sum insured.

• Coverage applies only to the sections, property, persons, risks, amounts, deductible, period and address/territory indicated in the policy/contract.
• The insured amounts and the premium are predetermined; for other amounts, separate “Proprietarul Casei” or “Accident” policies are issued.
• For Home, Household belongings and Liability towards third parties, a deductible of 10% of the amount of the damage applies to each case; no deductible applies to the Accidents section.
• The compensation for one item of household belongings is limited, as a rule, to 5,000 lei, except for items expressly listed in the inventory.
• For accidents, the aggregate amount is divided by the number of insured persons, and the total payments under the policy cannot exceed the insured amount.
• Household belongings are not covered against lightning strike.

• For Home and Household belongings, at the address/territory indicated in the insurance policy and in the related application.
• For Liability towards third parties, for events occurring in connection with the insured home, within the limits of the policy.
• For Accidents, protection is granted to the persons listed in the policy, during the period and under the conditions indicated in the contract/policy.

• When taking out the policy, correctly declare the details of the owner, family members, home, belongings, values and any circumstance relevant to the risk.
• Present the identity document, the document certifying the ownership right, the documents of the occupants/insured persons and the power of attorney, if signing through a representative.
• Pay the premium in the amount and by the deadline set; keep the policy, the application and the supporting documents for the insured property and persons.
• Keep the home and belongings in good condition, comply with safety and fire-prevention rules and inform the Insurer of any material change in the risk.
• When the event occurs, take measures to save the property and limit the damage, and immediately notify the Insurer and the competent authorities.
• Keep the damaged property until it is examined and submit the assessment reports, documents from the police/fire service/emergency services and other requested documents.

The premium is pre-set for each product variant and depends on the total sum insured chosen, the number of persons included in the Accidents section, and the risks accepted for the home and belongings. Request a quote — General Asigurări specialists will calculate the exact price for your situation.

• The contract is concluded, as a rule, for 12 months, for the period indicated in the policy.
• For Home, Household belongings and Liability towards third parties, the Insurer’s liability starts at 00:00 on the day following the date of payment of the premium, unless the policy provides otherwise.
• For Accidents, protection comes into force according to the contract: for death - from the first day following payment of the premium; for injury and disability - from the 3rd day, at 00:00.
• Coverage ends at 24:00 on the date stated in the policy or early, in the cases provided for by the contract: termination, nullity, disposal of the property or payment of compensation up to the total insured amount.

The contract may be terminated at the request of one of the parties, with written notice sent 30 days before the termination date. On termination, the Insurer refunds the premium for the period remaining until expiry, a month already started being counted as a full month, with the administration expenses of 35% withheld and after the policy has been returned. The premium is not refunded if the policy has been in force for more than 10 months or if compensation payments have been made.