Covers
losses or damages caused
directly by: fire and
explosions and other
unexpected external factors
excluding losses caused by:
a)
fire and
explosions caused by
internal problems of the
vehicle,
b)
losses
caused by fire and
explosions due to smoking
inside the vehicle, and
c)
losses
caused by fire but have not
been reported to the police
or to the fire fighting
department.
Lightning
on the insured vehicle.
Theft:
will be considered the act
of hidden appropriateness of
the part or the whole
vehicle from one or more
persons, and
A theft
attempt: will be considered
any act with intent to steal
the insured vehicle or its
parts, an act that could not
succeeded with the theft
causing damages to the
vehicle, excluding:
a) losses
from theft, if those are
caused by the Insured or its
family members or users of
the vehicle, from the
security guards at the
working place or parking;
b) losses
from theft or an attempt of
theft when doors have not
been properly locked,
unstable roof, when keys of
the vehicle have been left
inside, on top or around the
vehicle;
c) losses
caused by the partial theft
of the vehicle without signs
of a theft;
d)
theft of appliances such as
the audio/radio player,
antenna, except in the case
when the vehicle is stolen.
Comprehensive insurance will
cover losses or damages
caused from the accident,
crashes, floating.
Damages
caused from the accident,
crashes, floating:
also when the damages is
caused by you except the
case when the car is driven
by the person who does not
poses a driving licence,
unable to drive the car
(example when is drunk,
under narcotic influence,
over tired, and damages of a
technical nature (example,
deficiencies of the engine,
electrical cables, damaged
breaks, etc.).
Damages
in the parking place:
cover
damages in the parking place
caused by another
unidentified vehicle and
damages from unidentified
persons excluding damages
caused due to war,
demonstrations and civil
rebellion.
Broken
windows:
The break
of vehicle windows will be
considered from the
cracking to the
crushing of the front, rear
windows and side windows,
mobile roof and lights
glass caused by a hit of
objects, but with exception
of damages caused to lights
in the vehicle that are not
included in the catalogue of
the car but have been
integrated in the vehicle.
Crash
with animals:
crash
with wild and domestic
animals and damages.
Damages
caused from natural
disasters:
The
insurance company will pay
against all damages in your
vehicle caused by: thunder,
hail, snow and snow slip,
snow and ice slide from the
roof, when the natural
catastrophe is recognised
from the state authorities.
The
insurance company will also
pay for damages caused due
to the fall of different
objects, which occur due to
natural catastrophe. The
insurance company will also
compensate the insurer for
the flooding of the garage
caused by the break of water
pipes even though not caused
by the natural catastrophe,
excluding damages caused
from the flooding from
opened pipes, blow up of old
water pipes, due to blocked
sanitation system from any
refuse, duke pėrjashtuar
dėmet nga derdhja e ujit
prej rubineteve tė hapura,
pėlcitja apo ēarja e gypave
tė vjetėr ose tė koroduar,
nga bllokimi e kanalizimit
nga ēfarėdo hedhurine,
earthquake and land slip and
damages caused by the river
flows. .
The insurance company will
compensate for all damages
caused due to a fall of a
flying object and its
parts on the insured
vehicle.
The theft
as in a partial Casco:
Fire as
in a partial Casco:
Injury of
the insurer and four other
passengers:
If the
insurer and/or the
accompanying passengers are
injured in direct connection
with the vehicle caused by
an unexpected violence and
from external and visible
means, Sigkos Insurance
Company will compensate the
insurer and his legal
representatives as indicated
below. The condition is that
injuries to be reported
within a month from the
accident date:
i.
Death
2.000 Euro
ii. Total and
uncured loss of the sight in
one or both
2.000
Euro
iii. Total loss or a
physical split on or above
ankle or elbow
2.000 Euro
Compensation will be done to
only one of the
beneficiaries mentioned
above, Compensation of the
Sigkos company will not
exceed the value of Euro
2,000 within the insurance
period. Sigkos will not be
responsible for injuries or
death:
