Fire insurance and insurance against some other accidents

This insurance provides the coverage of the following risks (elementary risks):

• Fire and lightning
• Explosion
• Windstorm
• Hail
• Accident of damaging your own car or equipment against the insured object
• Aircraft downfall
• Riot and civil commotion.

Under these established terms insurance is provided for all parts of a building, foundations, basement walls, in-built installations, complete in-built material that makes the basic part of the building.

Machines breakage insurance

The insurance applies on following items:

• Machines
• Machine equipment
• Electrical equipment and their loading if the price of the loading does not charge additionally
• Appliances
• Installations with its base, bed and foundations if their price is included in the price of the machine.

If separately arranged the insured items can also be:

• Power-transmission lines
• Cable lines of high voltage
• Water-supply and sewer network
• Central heating installations
• Antenna pillar
• Metal silos and similar metal constructions.

This insurance provides the protection against damage or destroying of insured item as a consequence of an accident in operation. It includes unexpected and sudden incidents referring to the usage of the insured item, as well as recklessness, negligence or evil intentions of the workers or any other persons.

Burglary and theft insurance

The insurance provides the coverage against attempts of burglary or theft, as well as against the criminal vandalism over the insured items.
This very insurance can be applied on any building of the insurer: offices, commercial premises, catering premises, as well as for inventory: machines and appliances, supplies of manufactured and semi-manufactured products and stocks. It also provides money and legal tenders insurance in the course of payment on the counters, windows and all Payments and Withdrawals, as well as the insuring of the money in transaction and transport.

Glass Breakage insurance

This insurance provides coverage for all types of glass, neon signs and advertisements, pictures, signs and decorations made on glass that is already insured, marble and artificial stone slabs on the tables, counters, shelves; porcelain wash-bowls, toilet bowls, and distorted traffic mirrors; cultural, historical and grave monuments made of stone, concrete and metal.

Non-glass parts and frames that make constituent elements of neon signs and commercials are also insured.
Neon and other lightning cables with or without its accompanying instruments also represent possible insuring items.

Insurance of the buildings under construction and installation

This insurance applies on buildings under construction, expansion and reconstruction. Complete equipment provided for installing on insured buildings in construction is insured. This very insurance provides the coverage against the following risks:

• Fire, lightning, explosion, windstorm and hail, damaging of your own car or equipment against the insured object
• Accidents at the work, errors in the carrying out of construction works, deformations and damages of building installation equipment
• Damages created as a result of recklessness and negligence of the workers
• Burglary: this very insurance provides coverage for stealing of in-built constructing, craftwork and installing material and equipment.

Insurance on driving responsibility

The importance of this very insurance is in providing safety for insurer releasing him of the possible damage caused to other people while driving his car recklessly. The insurance on driving responsibility is compulsory according to the Life and Property Insurance Law. Driving responsibility insurance premium is established on the basis of standard premium system provided by the Ministry of Finance of Republic of Srpska. In order to provide complete services we are also offering a voluntary insurance against car accident as the component part of our car responsibility policy.

Premium in KM	Sum insured
1,20 on drivers	1.000 KM for death in an accident
0,50 on passengers	2.000 KM for permanent disability

According to the law, the insurance of passengers in the public transport is also compulsory. To all bus and taxi companies our insurance offers tariffs on:

Sum insured	Taxi	City transportation	Commuter transportation
3.000,00 KM Death by accident	8.00 KM on the driver 4.20 KM on a passenger	8.00 KM on the driver 4.00 KM on a passenger	8.00 KM on the driver 5.50 KM on a passenger
6.000,00 KM Permanent disability
1.500,00 KM Medical expenses

An extra 100% payment is compulsory for the international transportations (that excludes Serbia and Montenegro).

“Umbrella” car insurance

This insurance is on a voluntary basis and it stands for all material damages on your car and also for items in the car against following risks:

• The risk of car stealing, if set in addition
• Car accident
• Lightning
• Explosion
• Falling down or hitting of an object
• Windstorm, hail or avalanche
• Aircraft downfall
• Riot and civil commotion.

Total car insurance is available within the territory of Bosnia and Herzegovina and in countries which are on Green Card membership list, if not arranged differently. The purchase price of a new motor car is a base for establishing the insurance premium.
For example:

The purchase price of a new motor car	Premium
20.000 KM	890 KM
30.000 KM	1.336 KM
50.000 KM	2.230 KM

Accident insurance

Accident insurance policy provides:

• Accident insurance of employees on the group basis
• Insurance of children and students
• Insurance of members of a household
• Insurance of guests in hotels, motels, thermal resorts and public bathrooms
• Insurance of passengers in public transport.

In order to lessen the consequences created by an injury or a disease “Drina Insurance Company” offers the insurance against the following risks:

• Death caused by an accident
• Permanent disability as a consequence of an injury
• Expenses of medical treatment.

Livestock insurance

This very insurance applies to vaccinated domestic animals:

• Ungulates from ten days to eighteen years old
• Cattle and buffalo from ten days to nineteen years old
• Sheep from three month to six years old
• Goats from three months to eight years old
• Pigs of at least five kilos weight from twenty one day to seven years old.

The insurer is obliged to pay the compensation of damage as a consequence of:

• Mortality of the insured animal, whether by disease or by an accident
• Obliged slaughter owed to a disease or an accident (obliged slaughter out of necessity)
• Obliged slaughter due to economic reasons.

Goods in transportation insurance

“Drina insurance company” provides insurance for goods in domestic and international transportation.
While insuring goods in transportation, with wide spectrum of possible insurance, one insures ones own, but also other people’s material and economic interest.
This very insurance provides:

• Goods in one transportation insurance
• Insurance on the basis of general insurance policy.

Property insurance - insurance of a condominium ownership flat

This very insurance is applied to items in flats that are permanently resident, and which are in the property of the insurant and the members of his household. The insurance is applied to the items that the owner gave in use; items located in the attic, basement, garage, terrace, and shed, as well as to the furniture, items of a personal usage and consumption; cash and securities, objects of art, valuable objects and collections ( stamp collection, coin collection).
The insurance provides property insurance against:

• Fire
• Lightning
• Explosion
• Windstorm and hail
• Aircraft downfall
• Riot and civil commotion
• Floods and torrents
• Breaking of water-pipes and sewers
• Land-slide and rock-slide
• Burglary and robbery
• Liability.

Health insurance when traveling

Safety and unconcern are provided by this very kind of insurance, at various occasions; holidays, various sports competitions, seminars or business-events all over the world.
If the insurant becomes ill or has an accident while being abroad the insured sum is provided for immediate medical help.