PERSONAL ACCIDENT

STUDENT ACCIDENT INSURANCE: (It also includes moral damages and civil liability) Ordinance No. 413/99 of 8 June, which guarantees, in the event of a school accident, the Medical and Medicinal Assistance, as well as the Transport, Accommodation and Food indispensable to guarantee this assistance. Registration in School Insurance is compulsory for students enrolled in an educational institution in non-higher public education.

PERSONAL ACCIDENTS OF THE AMATEUR SPORTSMAN: (DL 146/93 of 26 April). The risks covered are the accidents resulting from the sporting activity. The guarantees are the payment of treatment expenses, as well as a capital for Death or Permanent, Partial or Total Disability. It is up to the Federations to contract the Group Insurance and the individual adhesion to the Sports Insurance is carried out at the moment of the inscription in the Sports Federation.

UNIVERSITY STUDENT AND POLYTECHNICAL EDUCATION: (Order No 185/MEC/86 of 4 September and No 234/MEC/86 of 28 November)

FIRE

Fire Insurance of Building on Horizontal Property: The building, both the autonomous parts and the common parts, must be safe against the Fire Risk. The insurance must be signed by the joint owners. However, the administrator must do it when the joint owners have not done so within the time and by the amount that, for that purpose, has been set in the meeting. It is also up to the administrator to set at the assembly the rebuild value that should serve as the basis for the Fire Insurance. The Market offers a Multi-risk Insurance for the Condominium (autonomous and common shares), generally requiring a minimum percentage of joint ownership.

CIVIL LIABILITY

PETS: Order No 312/2003 of 17 December forces the holder of dangerous or potentially dangerous animals to have a Public Liability Insurance with a minimum capital of 50,000 €.

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VEHICLE: This insurance guarantees the Civil Liability of the vehicle’s owner, beneficial owner and acquirer with reservation of property, or renter under financial leasing, as well as its legitimate owners or drivers, for the damages caused to third parties by virtue of the insured vehicle circulation, until the limit of € 7,290,000 per claim. It is still possible to raise this limit up to € 50,000,000 per claim.

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HUNTERS: (Order No 173/99 of 21st September)

OWNERS OF RECREATION CRAFTS (RC): (Order No 567/99 of 23rd December) The Recreational Craft is any device or apparatus, of any type, used or capable of being used as a means of surface movement in water, applied in water sports or for leisure and non-profit. The owners of RC types A, B, C1 and C2 and of the remaining RCs that have at least one propulsion engine are required to hold a Third Party Liability Insurance for damages to third parties whose minimum capital is 250,000 €.

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