SLOVAR · POKRIĆA · OGRANIČENJA
Što zapravo znači izraz na polici?
Dvadeset pojmova koji najčešće mijenjaju stvarni opseg osiguranja. Svaki vodič pokazuje što tražiti u dokumentima i koja pitanja postaviti.
KAKO ŽELITE KRENUTI?
Jedan pojam, više kriterija ili vlastita polica
Slovar objašnjava pojam. Filter povezuje više tema s provjerenim zapisima, a kontrolni popis pomaže provjeriti dokument koji već imate.
Franšiza
The part of a loss that, under the contract, remains the policyholder's responsibility or applies as an agreed threshold.
Cover limit
The maximum amount up to which the insurer assumes liability for a given cover or period.
Podlimit
A separately lower limit within a broader cover, often for a particular type of loss or cost.
Waiting period
The period after the policy starts during which certain covers do not yet apply.
Exclusions
Circumstances and events for which the insurer, under the terms, has no obligation.
Underinsurance
A situation where the insured value is lower than the actual value of the property, which may affect the payout.
New-for-old (replacement value) insurance
A valuation method where certain property is insured at the purchase cost or the cost of replacing it with a new item, subject to the policy terms.
Potres
Earthquake risk is often agreed separately or as an add-on to a broader property package.
Poplava i oborinske vode
Flood, torrential water and ingress of rainwater can be differently defined risks.
Izljev vode
Šteta zbog iznenadnog izlijevanja vode iz instalacija, uređaja ili cijevi prema definiciji police.
Tuča
Hail may be included in comprehensive, partial comprehensive or as a separate additional cover.
Stakla
Breakage or damage to glass is often a separate comprehensive item with its own limit or rules.
Krađa i provala
Krađa, provalna krađa i razbojstvo nisu nužno isti osigurani događaji.
Parking damage
Damage to a parked vehicle by an unknown or known party may be regulated separately.
Zamjensko vozilo
The right to a replacement vehicle usually depends on the reason the car is unusable and the length of the repair.
Asistencija
Roadside or travel assistance defines the services, territory, number of call-outs and limits.
Luggage insurance
Cover for loss, theft, damage or delay of baggage according to the product terms.
Otkaz putovanja
Reimbursement of prepaid, non-refundable costs only for the agreed reasons for cancellation.
Repatrijacija
Arranging or paying for the insured person's return to their home country for medical reasons or death, subject to the terms.
Private liability
Pokriće odgovornosti fizičke osobe za štetu koju prema ugovoru uzrokuje trećima.