Information on the terms of entering into a non-life insurance contract 

Insurer information

Generali Slovensko poisťovňa, a. s., registered office at: Plynárenská 7/C, 824 79 Bratislava, Slovak Republic, ID: 35 709 332, VAT ID: SK2021000487, entered in the Companies Register of the District Court Bratislava I, section: Sa, insert No.: 1325/B. The company is a member of the Generali group, listed in the Insurance Company Group List administered by ISVAP (hereinafter "insurer").

Characteristic of the non-life insurance contract 

The rights and obligations under the insurance contract are governed by:

• the pertinent provisions of the Civil Code, Section 8, - subdivision 15, as amended,
• the pertinent general insurance conditions that form an inseparable part of the insurance contract,
• the pertinent general insurance conditions that form an inseparable part of the insurance contract,
• provisions of the insurance contract,
• supplements and annexes referenced by and attached to the insurance contract

Hazards covered

Listed in the relevant articles of the insurance terms under alternative names:

• extent of coverage or
• hazards covered.

These include primarily:

• fire, explosion, flood, flash flood, gale and other natural disasters
• theft,
• damage liability,
• and other insurance hazards listed in the insurance contract and the pertinent insurance terms.

Assistance services

If the contract so specifies, the insurance also includes provision of assistance services under the terms of assistance service provisions listed in the assistance sheet which forms an annex of the insurance contract.

Indemnity and limits

Listed in the relevant articles of the insurance terms under alternative names:

• insurer indemnity or
• indemnity limits.

The insurer will provide indemnity in financial form at new (acquisition) or present time price (as defined by the insurance contract). The upper indemnity limit is the amount of coverage listed in the insurance contract, the extent of which is determined by the policyholder. The insurance contract can include indemnity limits for an insured object or group of objects.

Exemptions from insurance

Listed in the relevant articles of the insurance terms under:

• exemptions from insurance 

Excess

Insurance is purchased with obligation to pay excess, unless the insurance contract says otherwise.
Excess is a sum determined by the insurance contract and listed therein, which the insured person pays as their share on the obligation of the insurer to pay indemnity for any insured event covered by the insurance contract. Excess is subtracted from the total amount of compensation for damages incurred.

Insurance termination

Should the insurance contract be terminated, the entitlement to any insurance coverage is null and void. Provided the insurance is terminated due to failure to pay premium, the insurer is entitled to premium payments for the period until the insurance termination, that is, a debt arises which the policyholder is obliged to settle. Should there be an insured event which eliminates the reason for further insurance, the insurer is entitled to premium payments for the rest of the term of insurance during which the insured event took place.

Supplementary services and related charges

Should there be a dispute regarding the extent of indemnity, the insured person and the insurer may come to an agreement to have the indemnity determined by the so-called expert proceedings. Each party covers the expenses of their own expert, the costs of the expert with the decisive voice are covered by the parties in equal part.
The insurer has the right to claim from the policyholder compensation of costs related to delivery of documents related to payment of overdue premium.

Information availability

Further information is available at www.generali.sk, or at the Contact Centre's telephone number 0850 111 117 (calls from Slovakia), +421258276666 (international calls), at the e-mail address gsl@gsl.sk or in person at our branches.
The system of insurer protection from financial institution failure is secured with the tracking mechanism created in accordance with the Insurance Act No. 8/2008 Corpus Juris , as amended. When performing insurance related activities, the insurer is bound to comply with the Insurance Act No. 8/2008 and is subject to supervision by the National Bank of Slovakia.
All information listed in this document is provided for information purposes only, when it comes to rights and obligations of the insurer and the policyholder, these are governed solely by the provisions of the insurance contract, general and special insurance terms and amendments listed in the insurance contract, with which the policyholder was acquainted before entering into the insurance contract. As for the information listed in this forms, only the parts that are also listed in the insurance contract and contract documentation of the given insurance products are relevant for the insured person/policyholder.