Vladimír Urbánek (Kurzy.cz)
Insurance  |  January 17, 2013 14:14:38

Beware of the tricks in dealing with insurance claims and contract signature

If the well will secure an apartment or house, not only prevents the your home from thieves but also save for household insurance. To get from insurance interesting advantages, combine different safety features. This measure simultaneously avoids the problematic handling of any claims. Prevention is not the case, neither in terms of the amount of damage to property resulting from burglary to homes and apartments. Police the damage last year quantified at 473 million crowns.

Avoid troublesome handling of claims

The combination of certified security doors, grilles, film, or electronic systems is practical for several reasons. The insurance company will allow you to negotiate a contract at a higher sum insured, which exactly corresponds to the value of your home equipment: television, computers, cameras and other home electronics or other items, especially valuable paintings, jewelry and antiques. "Without security features certified contract with some insurance companies do not close at all.Other insurance companies will still leave the contrary, a contract award for high performance even without these requirements. Take care, however. It may be that at the moment when it comes to handling claims, the insurance company will grounds that the conditions of home security insurance refuses to pay or pays only a limited extent. Certified safety systems will give into the hands of the arguments and the entire negotiation process with the insurance company easier, "says Ivan Pavlicek, an expert on home security and company director NEXT.

Get huge discounts on premiums

Think about what will secure your house or apartment when acquiring property already or planned reconstruction. The more safety features combine, the more advantageous contract with the insurance company get. "On the insurance because you can save up to 20%, or even several thousand a year. You can also get other benefits, such as relief for participation in dealing with claims. If the security of your home does not meet the insurance company, your co-insurance will be higher on the contrary, "says Ivan Pavlicek, director of NEXT, which deals with the comprehensive security of households. Insurance companies take into account when signing the contract and the handling of claims also ensure your windows and patio doors, which can be equipped with security bars or gelscertified according to European standards.   Plays a role also purchase alarms or cameras.

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