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     Insurance of road vehicles (excluding railway vehicles)  
 
     home    products    general insurance    Insurance of road vehicles (excluding
                                                                                    railway vehicles)
 

       Insurance of road vehicles (excluding railway vehicles)
 
 

Who is insured?
        Private individuals or legally entitled persons may take this insurance in order to have their insurance risks covered during the period of validity of the policy.

What is insured?
       Vehicles - owned, leased or on call, agricultural, forestry or construction machinery, trailers, semi-trailers, caravans etc. will be covered if mechanically driven and once properly registered.

What risks are covered?
       The insurer pays insurance compensation for direct physical loss or damage to the insured vehicle caused by risks in the following groups:
 
       Main cover-natural calamities; fire occurring during the operation of the vehicle; explosion; transport accidents (including also accidents during parking); intentional third party actions; solid bodies or objects falling upon the vehicle; opening of a lid or door during transport; emergency situations with water supply systems, gas supply systems, heat supply systems or electrical installations.

       Extended cover-intentional third party actions; theft or robbery of a whole vehicle; damage resulting from robbery or attempted burglary; burglary of radio equipment; intentional fire or explosion etc.; natural calamities; fire and explosions; transport accidents (including also accidents during parking); solid bodies or objects falling upon the vehicle; opening of a lid or door during transport; emergency situations with water supply systems, gas supply systems, heat supply systems or electric installations.

       Special cover-the above-mentioned risks for abroad, as per agreement and explicitly stated in the insurance policy.

       Theft: theft and robbery of the entire vehicle.

 Additional cover:
      The Insurer will reimburse:
       Expenses for medical examinations and check-ups.
       Transportation expenses in case of accidents, serious illness or death.

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