‘Home COMFORT’ – the program for the practical clients. The reimbursement of losses is provided not only as a result of damage of interior and exterior finish but also of home property – household appliances, furniture and things.
Insurance policy on ‘Home comfort’ program provides protection of your property from the following risks:
1) fire, explosion of gas used for the domestic purposes;
2) damage of plumbing, sewerage, heating, fire-prevention systems, water penetration from neighboring premises.
3) wrongful acts of third parties (vandalism, hooliganism, intentional destruction or damage of property, excluding theft.)
Insurance covers real estate (dwelling houses and apartments) with living place of 150 m2 without premises examination.
1) interior and exterior finish of walls, (including doors and windows), ceiling and floors,
2) homestead (according to the list).
Insurance does not cover slum carcass-reed-fiber houses.
INSURANCE CONDITIONS:
1. Interior and exterior finish of premises – the liability limit of Insurer should not exceed:
1) for Astana, Almaty, Atyrau and Aktau – KZT 30 000 for 1 m2 of total area;
2) for other cities and settlements - KZT 20 000 for 1 m2 of total area;
2. Homestead (electric equipment, audio and video technique, furniture) – in amount of movables value at the moment of insurance Agreement conclusion (the name and value of property insured should be indicated in the list)
At that, if total value of property insured is more than KZT1 500 000, all property subjected to insurance is put in the list but the sum insured is set in amount of KZT 1 500 000.
1) for Astana, Almaty, Atyrau and Aktau - KZT 37 000;
2) for other cities and settlements - KZT 22 500;
Insurance premium is paid simultaneously but not later the date of the beginning of insurance Agreement validity.
The program conditions imply unconditional deductible:
1) at damage – in amount of 1% from sum insured, but not less than KZT 15 000.
2) at full loss – 5% from sum insured.
Validity – 12 months.
Insurance Agreement terminates its validity from the moment of insurance indemnity implementation on first insurance event.
1) Insurance indemnity for interior finish of premises is implemented in amount of actual damage but not more than KZT 30 000 for 1 m2 for Astana, Almaty, Atyrau, Aktau and not more than KZT 20 000 for 1 m2 for other cities and settlements.
2) Insurance indemnity for insured movables is implemented in amount of actual value of damaged or destructed property indicated in list. At that the total insurance indemnity should not exceed KZT 1 500 000.
[STANDARD CONTRACT] - - - [CALCULATE + APPLICATION TO MANAGER ]
