- Motor insurance
- Persons insurance
- Purchase insurance
- Loss adjustment
|NAMED PERILS||ALL RISKS|
|Fire and natural disasters||✓||✓|
|Water leakage from engineering communications due to an accident, including frost||✓||✓|
|Water leakage due to own negligence||✓||✓|
|Water leakage due to third party negligence||✓||✓|
|Repair or replacement of defective engineering communications||✓||✓|
|Unlawful actions of third parties||✓||✓|
|Damage caused by malicious intent of tenants||✓||✓|
|Expenses associated with temporary housing||✓||✓|
|Technical assistance insurance||✓||✓|
|Water leakage from public water supply, sewerage or heating pipes||✓|
|Glazing breakage and cracking||✓|
|Aquarium breakage if the home property is insured||✓|
|Damage due to repairs on neighboring property||✓|
|House key replacement||✓|
|Damage due to drafts||✓|
|Accidental damage caused by homeowners or guests||✓|
|Any other accident not mentioned in the exceptions||✓|
Make sure to protect your home from significant financial losses caused by unexpected natural disasters, water pipe bursts or theft.
Coverage also includes auxiliary buildings, territory improvement and landscaping elements in your yard, such as fence, pavement, greenery and fruit trees.
The policy also includes technical assistance, e.g., a locksmith will fix a stuck door, and a plumber will assist with a water pipe leak. Besides, a Compensa consultant will kindly offer assistance at the time of the accident.
Various accidents at the apartment may affect not just you but also your neighbours. The most common accidents at apartments include water leaks and fire incidents that may cause damage to your own property or that of your neighbours.
When insuring an apartment in the attic, the attached roof section is also covered.
Every home contains a lot of important items that are not only valuable in a material sense, but also have sentimental value. By insuring your property you will protect yourself from losses that may be caused by different accidents, for example, if your furniture or electrical equipment is damaged by a water leak or fire. Similarly, unexpected losses caused by theft will be less painful.
Compensa frequently deals with situations where unintentional damage is caused to others or the property of others. For example, you may accidentally flood your neighbours, knock out a neighbour’s window, or run somebody over while riding a bicycle or roller skating. Besides, this may also happen to your child. In these situations, civil liability insurance will protect you from damage caused by you to the property or health of others.
Are you a person with an active lifestyle who is constantly on the move, riding a bicycle or electric scooter, wakeboarding or skiing in winter? Do you enjoy taking photos and videos?
Compensa offers insurance of hobby equipment – bicycle, wakeboard, kiteboard, roller skates, scooter, skis, snowboard, drone, camcorder, camera, as well as baby carriage, specialised clothing, tourism, mountaineering and winter inventory, etc. The insurance covers the whole territory of Latvia and protects against losses that may occur, for example, while transporting equipment, during a traffic accident, or if the equipment is stolen. Hobby equipment insurance can be purchased together with home insurance.
As we think about our family members, we wish to have additional insurance protection to be able to receive support in cases where one of the insured home’s family members has an accident and suffers permanent bodily injury, for example, during a traffic accident, while skiing or snowboarding, having suffered an injury at work, or while riding a quad bike. The insurance covers the whole territory of Latvia and it can be purchased together with property insurance.
In addition to residential home or apartment insurance, we also offer holiday home insurance.
In addition to home insurance, we offer to insure damage to the property incurred during construction work for which a construction permit is required.
The offer is valid even in the initial stages of construction.
The insurance also covers construction materials (EUR 1,000 limit).
Compensa insurance company offers special support to its customers in the form of a 24/7 home service. This service is available to all Compensa customers who have selected it in their policy.
Compensa Home Service is a 24-hour service, designed to provide urgent support in unexpected situations.
Usually, people only have one home, so when something unexpected happens and the home becomes uninhabitable, it is important to reverse the consequences of the accident as soon as possible to be able to resume life as usual.
Some examples of when Compensa Home Service may prove to be indispensable:
Important to remember! This service is available to every person insured by Compensa who has selected it on their home insurance policy (and there is a visible mark on the policy). All services offered by the Home Service are available throughout Latvia around the clock, without holidays. So, if there is an accident at the insured home, the first thing you should do is call Compensa Home Service at the specified number. Assistance will be provided regardless of whether or not the event can be classified as an insured event.
After an insured event, it is not allowed without the written consent from Compensa:
Compensa must be informed in writing about the accident and its circumstances immediately after the accident, as soon as possible, but no later than within 3 working days, by filling in the application form available at www.compensa.lv.
Documents to be submitted:
After receiving the claim application, a Compensa expert will contact you and inform you of the steps to be taken based on the current circumstances and policy terms.
Documents may be submitted in a way that is most convenient for you – i.e., by filing an application on the Compensa website, by sending the documents to firstname.lastname@example.org, by filling in an application in person at the customer service centre, or by sending the documents by mail. All forms are acceptable. Just remember to act as soon as possible after the insurance event has occurred. In this way, the application will be reviewed and the consequences will be eliminated faster.