In order to insure the walls or household good of your house or apartment, Allianz, together with R2 gives you the opportunity to join the Allianz Insurance House.
Avantages
At you measure – Allianz House offers you the possibility to choose what level of protection you want and need;
Assistance services – With Allianz House, you will have a wide range of assistance that will help you in various situations in your home’s day-to-day.
Easy Access – Contact us for a quote.
No Deductibles – In the event of a claim, franchises only apply on coverages of Earthquakes and Acts of Terrorism coverage.
Automatic Update of Capitals – The capitals are updated automatically.
Lack of proportional rule – Indicate the area of your home and Allianz determines its value. In this case you do not risk to declare a lower value than real and so you will never have to answer for part of the losses.*
A commercial monitoring quality – We are going to help you in the event of a claim.
*This rule applies when the sum insured is insufficient, i.e. the amount of the loss is greater than the capital stated in the contract. In these situations the company pays a proportional compensation to the sum insured and the rest is borne by the customer. – Read more about the proportionality rule on the reconstructive value.
Covers and sums
Check the table of covers and sums of Allianz House:
Deductibles:
You can choose a mode with or without deductibles, so that the Eathquakes and Vandalism have deduction of 5% or 10% of the Insurance Capital.
What it doesn’t guarantee
What is not included in Allianz House Insurance?
There are events that are not included in the Allianz Portugal Insurance. Among others we can mention the damage caused by the fact that taps were left opened or due to natural wear of the materials.
These are just a few examples, the complete list of situations that do not warrant indemnity may be consulted in the General Conditions of the Policy.
How and when is made the update value of my home?
The value of your home corresponds to the sum insured. It’s automatically updated on the date of annual renewal of your contract, according to the index published quarterly by the ASF (Autoridade de Seguros e Fundos de Pensões).
In case of accident, what to do?
Whenever an accident happens ensured by the Insurance Contract, within your Home you should:
Formalize as soon as possible without exceeding the period of 8 days, the accident claim, by filling their Claim Form.
In the case of theft or robbery you are obliged to report the event to the competent authorities.
You should always keep in mind the obligations that his contract states, in particular on the measures to be taken as to contain the worsening of the damage.
In case of accident, that part of the costs shall be in my charge (deduction)?
Allianz house: Allianz guarantees virtually all payments under the sinister, so, in most situations you will not have to spend your money to cover the losses, except for the Earthquake coverage, in this case you will have to pay part of claim which will be 5% or 10 % of the sum insured.
Assists
Offers access to a range of assistance, through the Phone Number +351 213 165 300.
Home Assistance
Household appliances repair or replacement
Repair or replacement of the following household appliances, in a maximum of 300 Euros:
- Cooler/Refrigerator or Freezer
- Washing Machine/Clothes dryer
- Dishwasher
- Ceramic plates and / or Induction
- Oven and / or microwave
- Extractor and / or bell
- Water heaters and electric boilers.
Submission for Technical Appliances Repair
Sending a technician to repair the following appliances:
- Fridge or freezer
- Washing Machine/Clothes dryer
- Dishwasher
- Ceramic plates
- Oven and / or microwave
- Cooker hood
- Televisions
- DVD / Blue- Ray Player
- DVD / Blue- Ray Recorder
- Kit home cinema
- Hi-Fi equipment
Computer assistance
This service provides to the Customer:
- Advice on resolving technical problems
- Assistance in the use of computer applications ;
- Application Configuration and equipment;
- Assistance in accessing and using the internet.
Bricolage Services
Includes Bricolage services such as placement of accessories or damaged grouting joints of the tub, a maximum of 1 service/year, 3 hours.
Legal protection
Allianz Portugal is committed to ensuring the defense in civil or criminal proceedings of the People Insured for non-intentional acts, in which they are accused of committing a wrongdoing, breach, administrative offense and/or crime related to the use of secure housing, while:
- Tenant
- Owner or Beneficial
- Joint owner
Compensation limit: 1 case/year at most 1,250 Euros.
Additional Information
Check the insurance’s Informative Note.