Insurance against natural disasters (including water damage insurance)

Basic insurance against natural disasters can be arranged in case of damage or destruction of the insured item or a set of items by

• Fire and its accompanying phenomena
• Explosion
• Fall or collision of a piloted flying body, its part or its cargo
• Lightning strike

Supplementary insurance against natural disasters to the basic insurance against natural disasters can be arranged in case of damage or destruction of the insured item or a set of items by

• Flood or inundation
• Gale or hail
• Landslide, rock or earth fall, avalanche
• Weight of snow or rime ice
• Earthquake
• A vehicle crash or its load
• Falling trees, masts, other objects
• Smoke, sonic boom
• Liquid leaking from water supply systems and medium leaking from fixed fire extinguishers due to their failure

Subject of insurance against natural disasters

The subject of insurance against natural disasters may be individual movable and immovable tangible items or their sets specified in the insurance agreement.

Valuables, valuable items, items of special value, documents may also be subject of insurance against natural disasters.

Loss occurrence

Loss occurrence in case of insurance against natural disasters is damage or destruction of the insured item caused by the insurance risk agreed and specified in the insurance agreement during the insurance period and at the place of insurance.