Insurance of property and natural persons liability
Complete protection of your property in case of the unforeseen events that might jeopardize your home.
Complete insurance of real estate and household
Without any risk of under-insurance
Possibility to choose from the packages of additional insurance
Possibility to choose zero co-insurance
Tatra banka, a.s. carries out financial intermediation as an independent financial agent registered in the NBS register under reg. number 34945 for UNIQA pojišťovna, a.s., a branch of an insurance company from another member state and for Allianz - Slovenská poisťovňa, a. s.
The advantages of the insurance of property and natural person liability
The insurance of property and natural person liability offered by UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu, provides complex insurance protection of the value of your property for the cases of unforeseen events impacting not only the quality of your housing but also your feeling of safety and security of your home.
Insure your housing as one of the biggest long-term investments of your life. This will ensure that the damages incurred will be compensated through the insurance claim payment, which will enable you to return to the original quality of your housing.
Benefits:
- Broad scope of coverage already in the basic insurance
- The possibility to extend the scope of coverage by selecting a package of additional insurance
- Without any risk of under-insurance
- The insured sum is determined as the current value based on the real estate area
- Insurance indexation - ensures the insurance premium update in time, protection against the risk of under-insurance
- Easy arrangement together with our mortgage loan and the automatic restriction of disposal rights to the amount of insurance claim
- Via DIALOG Live or at any Tatra banka branch
- Possible to arrange without co-insurance
- Each insurance automatically includes NONSTOP assistance service
Scope of insurance
The scope of real estate insurance:
- fire including direct strike of lightning, explosion, damage caused by smoke
- storm including hail, snow pressure, snow slides, landslides, rock slides and falling stones
- tap water
- catastrophic damage - damage caused by avalanche, flood, earthquake and water back-up
- bonuses in the basic insurance:
- the liability insurance for building and the land
- breakage of glass
- damage to pavements and interlocking pavers
The scope of the insurance of household contents:
- fire including direct strike of lightning, explosion, damage caused by smoke
- storm including hail, snow pressure, snow slides, landslides, rock slides and falling stones
- tap water
- catastrophic damage - damage caused by avalanche, flood, earthquake and water back-up
- theft by burglary and robbery
- bonuses in the basic insurance:
- family members liability
- dog ownership liability
- tenant’s liability
- breakage of glass
- goods in refrigeration equipment
- water from aquariums
The basic scope of coverage may be extended by additional real estate, house, apartment and household contents insurance packages. These packages cover further risks, e.g. damage caused by the external vandalism, atmospheric precipitations or electric motor circuit or overvoltage.
BONUS for each client - NONSTOP assistance services.
Representative example for house insurance
The size of the house
130 m2
Property value
200 000 EUR
Possible additional insurance for household items for 18 000 EUR
from 29 EUR/annualy
Annual insurance premium (without additional insurance)
from 140 EUR
Representative example for apartment insurance
Apartment size
70 m2
Property value
140 000 EUR
Possible additional insurance for household items for 19 500 EUR
from 31 EUR/annualy
Annual insurance premium (without additional insurance)
from 80 EUR
Assistance services
Assistance services will provide you with the necessary help in the emergency situation and they are available NONSTOP.
The assistance services include and within the determined limits cover the following:
- repair of listed electrical appliances with expired warranty (up to 7 years of the appliance age)
- emergency professional assistance (plumber, glazier, gas fitter, locksmith, electrician)
- professional help (locksmith) in the case of blocked door
- emergency accommodation in the case of uninhabitable household after an insured event
- legal assistance
If you need any help, do not hesitate to contact assistance service operatives:
Dialling from Slovakia: 0850 850 111
Dialling from abroad: +421 2 544 11 029
Reporting damage
For making a claim please use one of the following options:
- Online via the UNIQA website
- By post to the address of the insurance company:
UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu
Krasovského 3986/15
851 01 Bratislava - In person at any Tatra banka or UNIQA branch
You can find the insurance contract number required for reporting a claim in your insurance contract, in your payment receipt, in the Tatra banka mobile application or via the UNIQA infoline at +421 232 600 100.
Frequently asked questions
Yes, you can take out insurance for any property.
The insurance may be arranged with the new loan before its drawdown as well as during the repayment of the existing loan in case you became interested in our offer and would like to change your existing insurance policy.
The insurance may be arranged online, via DIALOG Live call centre or in any Tatra banka branch.
Under-insurance arises if the insured sum of the subject of insurance is at the time of the insured event occurrence lower than its insured value. If the client provides correct data about the area of the insured real estate, based on which we determine the amount of the insured sum, the insurance company guarantees no under-insurance at the concurrently chosen indexation.
The update or adjustment of the insured sums according to the change in the price index of the construction works and materials and the change in consumer price index published by the Statistic Office of the Slovak Republic.
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https://www.tatrabanka.sk/en/personal/savings-investments-insurance/insurance-property-natural-person-liability/