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The deductible for your car insurance is the portion of the damage that you have to pay yourself. The deductible applies only to damage to your own car, not to damage you cause to others.
If someone else is responsible for damage to your car, and we collect the compensation from the guilty party, the damage does not count towards your deductible.
The types of damages insured depends on the coverage you choose:
Third party
Only damage caused with your vehicle to another party.
Third party comprehensive
Damage caused with your vehicle, but also damage to your own vehicle from causes specified in the conditions of the policy. The most important are: theft, break-in, fire, window damage, storm damage and collision with animals. Not covered are damages caused by your fault, like not giving right of way, driving against a post, etc.
All Risk
Damage you cause with your vehicle to others as well as damage to your own vehicle, including own-fault accidents (single-vehicle accidents, not giving right of way, etc.)
You can send us the details of your new car by filling out the contact form on our website.
The terms & conditions of all our insurances can be found on our website, click here.
If you have indicated on the application that you have outbuildings that need to be insured, they are included in the insured amount.
To determine this, use this simple rule: everything immovably attached to the house is covered by the house insurance; everything else by the home contents insurance. For example, a click-laminate floor falls under home contents insurance, yet a glued wooden floor under home insurance.
The insurance has a standard supplemental coverage for costs associated with the settlement of claims. These costs are paid in addition to the insured sum. Examples are costs associated with:
No, this is not the same. The rebuild value is the amount needed to rebuild your home on the same location, with the same size and for the same purpose. The purchase price is the value of the house, including the land on which it stands.
If the premium for your insurance is not or not fully paid, the coverage of your insurance is withdrawn and your house and / or contents are not insured.
1. First contact the police for the official investigation. Then report to the police station to give an account of what exactly happened and what items were damaged or stolen. When you later find that more items were stolen or damaged, you can file an additional report. The police will give you copy of each report.
2. Report the damage as soon as possible to BSure. We will send you a claim form.
3. Fill out the form, sign it and send it to us with the purchase invoices. We make sure that your claim is processed as soon as possible.
