Ασφάλιση Προσωπικών Αντικειμένων
Personal Belongings insurance

Personal Belongings Insurance is an insurance program that provides protection and coverage for the personal belongings of the insured from various risks such as fire, theft or accidental damages.

What is insured

The insurance covers up to 5 items from the following categories, which must be declared at the time of insurance. The date and purchase value of the items must also be stated. Personal belongings insurance is provided at the value of new items for a period of time (in months) indicated next to each category.

Item category
 Item description
 Time period of item considered new (in months)
Hobby and gear Photography gear 12
Hobby and gear Bicycle, Electric bicycle, Electric scooter 60
Hobby and gear Ski gear, Windsurf board, Snowboard, other sports gear 60
Musical instruments Musical instruments 60
Electronic devices PC, Laptop, Gaming console 12
Electronic devices TV, Sound system, Home cinema, Other electronic devices 36
Exclusions

i. Mobile phones, smartphones, tablets, smartwatches

ii. Items that have not been bough new

iii. Jewelry, precious metals, manuscripts, artefacts

iv.Magnetic storage media (disks, cds)

v. Objects located in a location other than that described in the insurance policy, regarding the risk of burglary theft

vi. Objects used professionally

vii. Objects older than 5 years

 

covers
  • Fire
  • Explosion
  • Αccidental water damage
  • Accidental damage
  • Political risks – Malicious actions
  • Acts of terrorism
  • Stoppages – Strikes – Riots
  • Malicious damage
  • Theft of burglary within the registered main residence. The coverage is also extended to the declared holiday home during the period that the insured is proven to be in it
  • Robbery inside or outside the registered residence
  • Earthquake

 

Clarifications
  1. Personal belongings insurance is provided in a new value for each item depending on its category and for the period indicated in the above table of items. If at the time of damage the item has exceeded the aforementioned months from the date of purchase, then an age factor of 1% is applied for each month from the declared date of purchase.
  2. The insured must state the address of his permanent and holiday home in order to have the coverage “Theft by burglary”.
  3. The coverage “Accidental damage from water” does not include damages from marine, lake, river waters as well as from waters of swimming pools.
  4. In case of a covered damage, a prerequisite for the payment of compensation is the presentation of proof of purchase of the damaged insured item, unless the insured sent the company a clear photo of the item using exclusively the link received by SMS on his mobile phone.
  5. Each insurance plan allows items whose purchase value does not exceed the amount of 1.500 € for Advanced, the amount of 2.250 € for Total and the amount of 5.000 € for Superior policies respectively.
  6. The insurance duration is one year long.

 

compensation limits – Exemptions – insurance premiums
Compensation limits Advanced Total Superior
Per item 500€ 750€ 1200€
For the duration of the insurance 1500€ 2500€ 5000€
Exemption per damage (only for total damage) 50€ 75€ 120€
Annual gross premiums 80€ 110€ 140€
Discounts – Charges

A “Combo / Loyalty” discount is provided during the simultaneous sale of products promoted by the sales box.
The percentage of the discount depends on
• the premiums of these products
• whether the insurance periods are identical
• whether the products are of different classes
and applies to all premiums.

For more information click here.