Third Person Liability Insurance Program
Third Person Liability Insurance Program allows you to protect yourself against various damages caused to third persons as a result of using your flat, cottage or bower, as well as during the capital repairs or rearrangement.
According to the agreement, an Insured person will compensate a damage, which can be caused to life, health or property of third persons as a result of sudden and unintentional event (fire, explosion, accident-related leakage of water from water-supply or heat networks, etc.), occurred during the stay of an Insured person in the territory indicated in the Insurance agreement, due to this fact an Insured person bears liability towards third persons.
Advantages of the Program:
- Compensation of damages caused to third persons by an Insured person.
- Possibility to pay for the insurance policy on time/by installment, without an increase of the tariff.
- You can select a variant of product, which fits optimally to you in terms of insured risks, sum insured and its price.
- Flexible discount system.
This Program anticipates:
- Liability insurance of an inpidual, who owns a house, a flat or their parts and/or property, which is located in them; or an inpidual, who rents a house, a flat or their parts and/or property, which is located in them;
- Liability insurance of immediate family of such an inpidual (husband/wife, children, parents, as well as grandchildren, brothers and sisters or other persons, who live with them and have common hearth with an Insured person);
- Liability insurance of work-hands, who perform certain obligations in the territory of an Insured person (housemaid, gardener, etc.).
Insured accident
An Insured accident is a liability of an Insured person, who must compensate damage under the law, caused to:
- life and health of third persons as a result of activity or inactivity of an Insured person;
- property of third persons as a result of activity or inactivity of an Insured person.
Sum Insured is established according to the mutual agreement of the Parties.
Insurance cost - 0,5% - 1,5% of Sum Insured
Validity period of an insurance agreement constitutes from 1 month to 1 year.
Insurance territory of an insurance agreement – according to address of insured place indicated in the agreement.
Franchise – according to the mutual agreement of the Parties.
Necessary documents to conclude an insurance agreement:
- internal (civil) passport, a copy of the Insured person’s tax payer certificate, on the Insurer’s demand – legal documents certifying ownership of a flat (cottage, house).
Insurance payout does not take place in case of:
- deliberate activity or inactivity of an Insured person and other persons, who permanently live in the insured premises, aimed at occurrence of an insured accident;
- violations, committed by an Insured person and other persons, who live in the insured premises, of requirements, established by valid Ukrainian legislation, safety rules and regulations, which cause the occurrence of an insured accident;
- circumstances, which were known to an Insured person or he/she had to know, but he/she did not take all necessary measures to avoid the insured accident;
- in other cases anticipated by the agreement.
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