Što tražiti u dokumentima
Tri pitanja prije usporedbe
01
Kako se određuje vrijednost?
02
Primjenjuje li se proporcionalno umanjenje?
03
Postoji li indeksacija?
Česta zamka
Preniska osigurana svota može smanjiti naknadu i kod djelomične štete.
POJAM KOJI MIJENJA POKRIĆE
Underinsurance
A situation where the insured value is lower than the actual value of the property, which may affect the payout.
ILUSTRATIVNI KALKULATOR
Kako proporcionalno podosiguranje može smanjiti naknadu?
Enter the actual value, sum insured and loss amount. The calculator only shows a mathematical example if the proportional underinsurance rule applies to your contract.
Nije procjena stvarne isplate.
Terms mogu isključiti ili drukčije urediti podosiguranje, primjerice kod osiguranja na prvi rizik ili posebnih ugovornih odredbi. Za konkretan slučaj mjerodavni su vaša polica i uvjeti.
PRIMJERI JAVNIH PONUDA
Zapisi u povezanom području
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Allianz's official documentation lists the terms and the IPID for private liability.
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Publicly verified
The official webshop lists property insurance.
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Publicly verified
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GRAWE · A product in the group of house and apartment insurance.
Publicly verified
The official IPID directory lists GRAWE SOS.
Information only — not a sales platform. We do not sell policies, send insurer enquiries or rank a 'best' offer. Actual coverage is governed by the offer, IPID, contract and insurer's terms.