Allianz Hogar Advantages

Transcription

1 Allianz Seguros Allianz Hogar Advantages ed. 05/13

2 Allianz Hogar. Rates The Allianz Hogar insurance policy is structured to cover home assurance needs, letting our broker network offer excellent value for money, in accordance with different variables: Ownership type The covers offered are different depending on whether clients rent or own the home. When they are owners, extensive covers are offered when clients live in the insured home, with guarantees varying if the home is rented to third parties, and covers are adapted if clients rent their property. Year of construction For homes 10 years old or less, there is favourable treatment in the final policy price. Square metres of the property Type of home Flats, villas and village houses have always been the typical insurable risks, but now we can also provide quotes for trailers / mobile homes, garages / utility rooms and homes with wood frames. Postcode Our long experience in the insurance sector lets us offer more competitive rates for building, furnishings and theft, depending on the geographic location and insured risk and claim rates in the region in which the home is located. Use of home The needs implicit to the way that homes are used are different, thus leading to the importance of identifying if the home is the client s primary residency, or if it is a secondary residency, or if it is being sold. For flats, ground floor premises and penthouses, only the floor area of the home needs to be declared, without including terraces, garage parking, storage rooms or similar. In single family homes, the floor area and the area of other attached installations should both be given. The exact and correct statement and not decreasing the recommended insured sums entails waiving the application of the proportional rule. Protective devices Armoured doors with specific locks, operating alarms, doormen and permanent surveillance are all highly valued security when estimating the risk, and that influence the final price of the policy. Home automation Having an automated home system, which can be made up of both inside and outside communications networks, whose controls are nearly ubiquitous, both from inside and outside the home, leads to discounts being applied to different policy covers. 2

3 Allianz Hogar. Service Allianz Hogar offers a wide range of services to ensure that we are at the side of the insured party at those times when they need help with handling an unexpected situation. Arbitrage If the client does not approve of the repairs effected by Assistance Services for the claims made, there is a commitment to submit to arbitration, which shall be binding, provided that the ruling is that regular standards have not been met. Home emergencies Clients have assistance for plumbing, electric, security and locksmith emergencies 365 days a year and 24 hours a day. Limited to 300 total between travel, labour and spare parts. Bricofácil Free, with a limit of one service per year (maximum three hours, which doesn t include travel), clients will receive home repair-improvement service, available from Monday to Friday. Computer assistance Technical help related to clients computers are provided remotely for how to use applications or configure the computer equipment. This service includes data recovery on hard disks or memories (one service per year). Quality commitment After calling in a claim, the Allianz commitment is that a professional will contact the client within 1 hour and will arrive at the home for an initial visit within 24 hours. If we do not fulfil our commitment, we will return the premium, provided that the policy is renewed. Pet and plant assistance For unexpected situations with pets or questions about how to take care of plants, a telephone platform is provided that will assist clients with how to proceed. 3

4 Allianz Hogar. Service Repair of electrical appliances For white good electrical appliances, two services per year are provided. Legal advisory services and protection If clients need to initiate actions due to defective services, claims for damages or for inappropriate provisions in supply contracts, they will have a telephone service available for questions and legal advice. Medical hotline With a single call, insured parties can obtain general medical guidance, simple tips and advice on health education and explanations on treatments. Home care service With a single call, insured parties can hire at the best market rates- a wide range of services related to dependents, young families and homes for the elderly. 4

5 Allianz Hogar. Covers The extensive covers included in Allianz Hogar makes it one of the most attractive products on the market, where its newest and most innovative covers include: Parked vehicles The possibility is offered of insuring motor vehicles inside the insured home, only against claims for fire, explosion and lightning. Real property Pets, bicycles, wheelchairs and non-motorised boats are all included within the definition of real property. Rental non-payment Civil liability Stemming from the ownership of domestic animals included in CL for private life. There is the option of insuring races of dangerous dogs or that require compulsory insurance. Aesthetic value of the building A fixed insured sum is assigned by default, which can be increased. Action from wind Damages from wind to trees and garden lampposts are included, with a limit of 25,000. Broken pipes without damages Maximum insured sum of 500 for locating and repairing broken pipes that are not causing damages. Cover of 6 or 12 months for non-payment of monthly rent, maximum 1500 per month, and handling of evictions for housing policies for rental properties. Expenses Expenses include an insured sum for restaurant and dry-cleaning costs if the kitchen is unusable due to a claim covered by the policy. Claim for damages Free for insured parties as pedestrians and cyclists and their family members who live with them in the insured risk. Street robberies Cover up to 300 in cash and up to 600 for card fraud. Water damages The location of water leaks and their repair are included, when there is no apparent damage. Overflow due to saturation and reflux of water from the sewage system. 5