Apartment Express

Notify INGO of the insured event. Be sure to preserve the affected property in the condition it was in after the event. Send to INGO the documents of the relevant competent authorities and services confirming the fact of the insured event. Receive the insurance indemnity within 15 days.

Property valuation is not performed under the insurance program "Apartment Express". The valuation is carried out by an independent expert in the event of an insured event, within 10 working days after receipt of the Insured's application for an insured event.

If there is a need for a different sum insured than the terms of the "Apartment Express" program, we can select individual insurance conditions. In this case, the property is inspected and evaluated by an independent certified expert at the expense of the company.

The assessment is made by an independent certified expert according to the methodology used in insurance. The estimate for the restoration work will be prepared on the basis of this calculation.

In the case of military risks, it is necessary to call the police, who will record the damage and open a criminal case under the article on violation of the customs and rules of war. It is necessary to obtain an extract from the Unified Register of Pre-trial Investigations (URPI) from the police. This is the main document to prove an insured event with war risks. Other documents are according to the list:

• Claim for reimbursement
• Certificate (policy)
• Notification of the insured event
• TIN of the applicant
• Passport
• Title documents to the property
• Technical passport of the property
• If the amount of damage exceeds UAH 27 thousand, you need to fill out a questionnaire.

Under the "Apartment Express" program, indemnity is paid up to the amount of insurance, and no ownership documents are required.

If the contract is concluded on individual terms, a list of property accepted for insurance is provided when applying for insurance. In this case, it is advisable to have technical documents for household appliances.

If there is a need for a different sum insured than the terms of the "Apartment Express" program, we can select individual insurance terms. In this case, the property is inspected and evaluated by an independent certified expert at the expense of the company.

Both the owner of the apartment and any other person can take out an insurance policy. Even tenants who do not own an apartment but use it and do not want to be financially responsible for possible losses in the event of unforeseen situations in the home can insure it.

No, factors such as floor or square footage do not affect the cost of the insurance policy and are not specified in the contract. You choose the sum insured from the proposed options based on the value of the real estate and movable property in the apartment.

Yes, apartments located in buildings of this age are allowed to be insured under the "Apartment Express" program. Moreover, the insurance company even recommends doing so, because in buildings of this age, heating, drainage/water supply, heating, etc. systems are often in poor condition. Accidents are highly likely to damage both your own property in the apartment and the neighboring apartments.

This is an insurance option that protects you from liability for damage caused to your neighbors. In a situation where other people's property is damaged because of you (or events in your apartment), the insurance company will compensate the victims for all losses.

For example, a burst pipe in your bathroom flooded 2 downstairs apartments at once. If you have a civil liability coverage option in your insurance policy, the insurance company will reimburse your neighbors for the cost of repairs.

Thus, both the owner and the tenant can insure a rented apartment. In this way, in the event of unforeseen circumstances, the tenant will be protected from financial claims from the apartment owner for damage to the property and interior decoration of the apartment.

Yes, all internal movable property located in the apartment will also be insured. If you wish, you can provide a list of items to be insured in order to fix special appliances, furniture, etc. or their non-standard quantity in the contract.