The apartments insured by private individuals in Moldova constitute less than 1%. On September 30 this year, the Moldovans insured their apartments in the amount of almost 9 million lei, the value of the insured property being of over 1 billion lei.
The data were provided by the National Commission for Financial Markets, which makes reference to Donaris Vienna Insurance Group. In a response to an inquiry made by IPN News Agency, the Commission says the insured apartments are mainly situated in urban areas. In most of the cases, there are insured pledged apartments for which banks impose such a condition. As regards the profile of persons who use this type of insurance, the persons of an average age prevail.
The insurance premium is set depending on the insured sum, state of the apartment, location, ensured risks and part of the damage covered by the insured person. For example, the insurance of an apartment that costs €40,000 is €40 on average. The insurance contract is usually valid for 12 months. The apartments cannot be insured at a sum higher than the market price.
The situations for which insurance is paid are: damage caused by nature, explosions, fires, floods, technical faults, fall of piloted flying objects or parts of these, breaking of apartments, etc.
