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Fire Insurance

For Fire Insurance and some other dangers the subject of the insurance according to the insurance conditions can be all items except those excluded from the insurance by these conditions.

Insured are only those items (movable and fixed) listed in the policy.
According to these conditions, insurance provides appropriate coverage for the following risks (basic risks):

  • Fire and thunderbolt,
  • Explosion, except nuclear explosions, unless otherwise agreed in contract,
  • Storms,
  • Hailstorms,
  • Impact of a personal or unknown motor vehicle, personal mobile work machine into insured facility,
  • Fall of an aircraft and
  • Manifestations and demonstrations.
If agreed separately and additional premium paid, coverage is extended to one or more additional risks, according to the agreement, as follows:

  • Floods and torrents;
  • Ground slide and landslip;
  • Snow avalanche;
  • Leakage;
  • Overflow from water and sewage pipes;
  • Self-combustion of stock.
    Industrial organisations that manufacture or process or liquid melted mass can, with increased premium agree extension of the coverage to include overflow of hot liquid melted mass.

    As per conditions of "Lido-osiguranje" d.d. we offer following types of fire insurance policies:

    I INSURANCE OF HOUSING FACILITIES

    This insurance policy covers following risks: fire, explosion, thunderbolt, storm, hailstorm, fall of an aircraft, impact of personal motor vehicle into insured facility.
    Insurance of the housing facility against fire and some other dangers depends on a few factors, such as:

    Example 1:
    We shall take a housing facility of massive built, situated in city of Tuzla (protection measures class A).

    Example 2:
    We shall take a housing facility of massive built, situated in city of Gradačac (protection measures class B). Example 3:
    We shall take a housing facility of massive built, situated outside the town (protection measures class C). Note:
    With additional premium there is an option to insure additional risks such as: floods, torrents and high water, overflow of water from water and sewage pipes, ground slide and landslip. Additional risks can be included only if fire insurance is agreed. Additional risks can be insured to the total insurance amount or only for the value that is expected to arise when the insured case happens, and that is insurance on "the FIRST RISK" calculated as follows (first risk is taken as an example).

    Premium calculation for additional risks on "the FIRST RISK":

    a) flood and torrents for:

    b) water overflow from the water and sewage pipes for:

    Note: 10% service sale tax added to the Premium amount.
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    II INSURANCE OF INDIVIDUAL APARTMENTS IN HOUSING FACILITIES

    When purchasing a flat you become the owner of a part of the housing facility thus gaining decision right on managing, protecting safeguarding that part etc. This is the reason why this programme envisages a possibility of insuring common areas from fire, thunderbolt, explosion, storm, water overflow from sewage and water pipes. By insuring this property the insurance costs are evenly born by all residents, and at the same time all eventual claims that insurance will cover.

    For insuring a flat in a housing facility in the city of Tuzla (protection measures class A) valued 100.000,00KM:

    Note: 10% service sale tax added to the Premium amount.
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