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Protect your investment and those closest to you

Housing loan insurance

Insure your apartment or house in case of unforeseen circumstances
Risk life insurance
Purchase in a branch, when contracting a loan

Housing loan insurance

Buying an apartment or house is one of the biggest investments in most people's lives. Considering the size of the loan and the length of repayment, there is a significant risk of unplanned events such as the destruction or damage of real estate and the death of the loan holder due to an accident or illness.

Therefore, it is important to consider home loan insurance against various forms of property destruction, as well as risk life insurance. Insurance will ensure the protection of your investment and the financial security of your loved ones in case of unforeseen circumstances.

Insurance

Property insurance (house, apartment, shop) can be contracted as a mandatory means of security for housing loans, but also for individual needs.
Property can be insured against the following insured events:
Fire, lightning strike, explosion
Water discharge from installations
Insurance against burglary and robbery
Glass breakage insurance
Insurance of things

This insurance covers the following insured events:

Death due to disease
Death due to an accident

Characteristics of riziko insurance

Risk insurance is contracted as a means of securing loans (most often for housing loans)
With a small premium (insurance price) you get a large insured coverage (amount of the loan with paying insurance amounts that follow the rest of the loan debt)
The period of contracting the risk insurance is equal to the duration of the loan
Depending on the sum insured, which is determined by the amount of the loan, risk insurance can be contracted with or without a medical examination, depending on the conditions of the insurer.
Risk insurance does not have a savings component
In the event of an insured event (death of the client), the family does not inherit the loan debt, but the obligation (payment of the remaining loan debt) is assumed by the insurance company, in accordance with the insurance conditions.

Frequently asked questions and answers

Is risk life insurance mandatory with a home loan?

No.

Which insurance companies does UniCredit Bank represent?

The bank cooperates with Generali Osiguranje Srbija a.d.o., Wiener Stadtische osiguranje, DDOR Novi Sad osiguranje

Can I complete the purchase of insurance when taking out a bank loan?

Yes, the entire insurance process is completed at the branch.

What does vinculation mean?

In the event that the insured event occurs, the Bank has the right to collect from the insurance company, thereby settling its debt, i.e. claims from the Insured.

Can I take out life insurance later?

Yes, at any time of repayment of the housing loan.

Protect your investment and those closest to you

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