Credit Insurance

VÚB Mortgage Insurance

VÚB Mortgage Insurance

Loan Repayment Insurance for the VÚB Mortgage protects you and your loved ones against unforeseen life situations such as death, loss of employment, incapacity for work, permanent disability, or care for a family member.
Main benefits of VÚB Mortgage Insurance:

• insurance protection throughout the entire loan maturity period
• easy arrangement directly in the loan agreement
• low premium
• option to insure loss of employment
• in the event of an insured event, the insurance company will take over your obligation to repay the VÚB Mortgage or to pay monthly installments
• new risk “Care for a Family Member” (OČR) as part of the Comprehensive insurance package

How can you insure your Mortgage?

• directly in the VÚB Mortgage application, you choose one of eight insurance packages
• to conclude the insurance, only your signature on the loan agreement is required
• the premium is included directly in the monthly loan installment
• adding insurance is allowed within 3 years from the first drawdown of the loan

In cooperation with Generali Poisťovňa, a.s., we offer you 8 insurance packages:

• Basic insurance package (S): Basic insurance package S – 100% loan coverage in case of death, disability above 70%, and incapacity for work lasting at least 30 days
• Extended insurance package (T) for loans up to €75,000: Extended insurance package T – 100% loan coverage in case of death, disability above 70%, incapacity for work lasting at least 30 days, and loss of employment followed by unemployment lasting at least 30 days
• Extended insurance package (T1) for loans from €75,000: Extended insurance package T1 – 100% loan coverage in case of death, disability above 70%, incapacity for work lasting at least 30 days, loss of employment followed by unemployment lasting at least 30 days
• Comprehensive insurance package (U): Comprehensive insurance package U – 100% loan coverage in case of death, disability above 70%, incapacity for work lasting at least 30 days, loss of employment followed by unemployment lasting at least 30 days, and care for a family member lasting at least 30 days
• Basic insurance package 75% (S75): Basic insurance package S75 – 75% loan coverage in case of death, disability above 70%, and incapacity for work lasting at least 30 days
• Extended insurance package 75% (T75): Extended insurance package T75 – 75% loan coverage in case of death, disability above 70%, incapacity for work lasting at least 30 days, and loss of employment followed by unemployment lasting at least 30 days
• Basic insurance package 50% (S50): Basic insurance package S50 – 50% loan coverage in case of death, disability above 70%, and incapacity for work lasting at least 30 days
• Extended insurance package 50% (T50): Extended insurance package T50 – 50% loan coverage in case of death, disability above 70%, incapacity for work lasting at least 30 days, and loss of employment followed by unemployment lasting at least 30 days

All clients who meet the insurance conditions specified in the loan application, or in the request for a change of contractual terms, and in the general insurance terms and conditions can join the insurance.

Rámcové poistné zmluvy

Household insurance

If you are interested in insuring your household, we will be happy to arrange it directly in the loan agreement when granting a flexi mortgage. We will insure a household located in the pledged property.
The insurance provides coverage for your household in the event of:

• damage or theft of movable items forming part of the household equipment (including cash, valuables, electronics, etc.),
• damage or theft of structural components,
• damage or theft of movable items located in non-residential premises at the same place of insurance,
• costs related to an insured event (removal, alternative accommodation).

In addition, you will also receive liability insurance for damage caused by persons living in the insured household up to 16 596,96 €, regardless of the insured sum. Why VÚB household insurance is advantageous:

• you obtain insurance tailored exactly to your requirements – the insured sum is chosen by the client
• the insurance contract is concluded directly within the loan agreement, simply and quickly
• you receive above-standard insurance coverage

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Rámcová zmluva

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Property insurance

If you do not yet have property insurance, we will be happy to arrange it directly in the loan agreement when granting a VÚB Mortgage. We will insure your property directly at the branch when signing the contractual documents.
We will insure quickly, easily and advantageously your:

• family house, including outbuildings and other structures.
• apartment, including co-ownership share in the common parts of the residential building.
• unfinished family house, or a family house under complete reconstruction, including building materials intended for its construction. After final approval, the insurance automatically transfers into family house insurance and you do not need to conclude a new insurance contract.

The insurance provides coverage for your property against natural risks (fire, lightning strike, explosion, water from water supply systems, windstorm, hail, falling rocks, stones, trees, poles, as well as snow, floods and inundation, landslides, earthquakes, etc.), coverage for damage to electric motors, coverage of costs related to an insured event (clearance, demolition, etc.), and in addition you also obtain further insurance coverages, namely liability arising from property ownership and theft of structural components. Why property insurance at VÚB is advantageous

• you receive insurance prepared exactly according to your needs and the parameters of the VÚB Mortgage
• we conclude the insurance contract with you quickly and easily directly at the branch when signing the contractual documents for the VÚB Mortgage
• assignment of insurance benefits in favor of the bank is part of the insurance contract
• we insure unfinished family houses already from the very beginning of construction

Dokumenty - VPP, IPID

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