One e-policy — 11 insured risks
For legal entities with a lawful interest in preserving the property. The policy helps indemnify documented damage to a building, structure or premises up to the sum insured. EUROASIA Insurance holds a Moody’s B1 Insurance Financial Strength Rating with a Positive outlook.
The company must hold the property on a lawful basis, and its insurable interest in preserving the property must arise under law or contract.
A standalone commercial property identified in the documents and policy.
An engineering or other immovable structure lawfully held by a legal entity.
Office, retail, warehouse, production or other premises identified in the policy.
Cover is available to an owner, tenant, contractor, custodian, commission agent or another party with a documented interest.
Choose the sum insured in the calculator
The event must occur during the insurance period and within the insured territory. Its nature, time, place and cause must be confirmed by documents from the competent authorities.
Fire and explosion of natural gas.
Flooding; water from plumbing, sewerage, heating, fire protection or climate systems at the insured property or in adjacent premises not owned by the policyholder.
Wind of at least 20 m/s; at least 20 cm of snow in 12 hours where such snowfall is unusual for the locality.
Hailstones at least 10 mm in diameter and a direct lightning strike.
Landslide and an earthquake measuring at least 5.0 on the Richter scale.
Arson, breakage, damage and other unlawful acts by third parties.
Accurate information helps prevent disputes
Before taking out cover, check the property documents and operating conditions. The insurer may inspect the property before the contract is concluded and after an event.
The amount of indemnity depends on the nature of the damage and documented costs of restoring the property.
Insurance indemnity is calculated at the sum insured stated in the policy.
Actual restoration costs are taken into account, but not above the sum insured.
Materials and spare parts, repair work, delivery of materials, and design and cost-estimate expenses.
Within 15 banking days after the event is recognised as insured and the claim report is signed.
Payment cannot exceed the amount stated in the policy
The product is issued under the public offer without a separate request to a manager.
Provide the requested details about the policyholder and property, an email address, mobile number and property document details.
Set the sum insured in the calculator and pay the insurance premium in one instalment.
After payment, the electronic policy is sent to the email address provided during checkout.
First take reasonable steps to limit the damage and record the circumstances, then meet the notification and document-submission deadlines.
Notify the insurer of the event and contact the relevant competent authorities.
No later than five working days after the event.
You will need property documents, photographs, original documents from the competent authorities and a damage assessment. Unless there are objective reasons, submit the complete file within three calendar months.
After receiving the complete file, the insurer reviews the event under the public offer. If approved, payment is made within 15 banking days after the claim report is signed.
These are key examples. The full list, definitions and claims procedure are set out in the public offer.
Normal wear, rust, rot, mould, moisture, insects and other gradual processes.
Water entering through the roof, windows or walls is not covered under this risk.
Damage caused by unauthorised alterations, reconstruction or repairs.
Latent defects, errors in construction, finishes or painting, and damage that existed before the contract.
Intentional acts by the policyholder and knowingly false information may result in a refusal to pay.
Confiscation and other acts by public authorities listed in the public offer are also excluded.
A legal entity with an interest in preserving the property that arises under law or contract. This may be an owner, tenant, contractor, custodian, commission agent or another party with a documented lawful interest.
A building, structure or premises lawfully held by a legal entity and identified in the electronic policy.
The form requests an email address, mobile number, identity document details and a cadastral passport or another document confirming the right to the property. The information must match the original documents.
The insurance period is one calendar year and the insured territory is the Republic of Uzbekistan.
After the premium is paid in one instalment and the policy is issued, a seven-calendar-day waiting period applies. The insurer’s obligations begin on day 8.
The policy is issued electronically and sent after payment to the email address provided during checkout.
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