Loan Insurance

Our bank offers various types of insurances for loan products in order to offer the most comprehensive product to our clients. Loan insurance can be set up easily and quickly directly in an application for a credit product or a contract on a credit product. We offer the following insurances according to the loan type:

Insurance of VUB loan

Insurance of ability to repay a VUB loan protects you and your family against occurrence of unexpected life situations such as death, loss of a job, incapacity to work or permanent disability.

Main benefits of the insurance on VUB loan:

  • insurance cover throughout the loan maturity
  • simple conclusion directly to the loan contract
  • low premium
  • possibility to insure also against loss of a job
  • if an insured event occurs, the insurance company will repay your VUB loan or will pay monthly installments for you

How can I insure a loan?

  • you can choose one of two insurance sets directly in the application for VUB loan
  • you just need to sign the contract loan to take out the insurance
  • the premium is included directly in the monthly loan installments

We offer you two insurance sets:

  • Insurance set A - risk of death, permanent invalidity, incapacity to work
  • Insurance set B - risk of death, permanent invalidity, incapacity to work and loss of a job

The insurance may be taken out by all clients who meet insurance conditions specified in the loan contract and the general insurance conditions.

Fleximortgage insurance

Are you worried about repayment of Fleximortgage in the case of unforeseen life circumstances? In this case, we offer the insurance of ability to repay the Fleximortgage that will protect you, and in the case of an insured event, the insurance company will pay the unpaid part of the loan (in the case of the death or disability insured event), or will pay the monthly loan installments (in the case of incapacity to work or loss of a job).

We offer you the following insurance sets:

  • Basic insurance set (bundle I): covers risks of death, permanent disability, incapacity to work
  • Extended insurance set (bundle J): covers risks of death, permanent disability, incapacity to work, loss of a job

Why is the Fleximortgage insurance useful:

  • it protects you and your family against financial difficulties in unexpected life situations
  • an option to insure the borrower as well as co-borrower
  • if an insured event occurs, the insurance company will repay your Fleximortgage or will pay monthly installments for you
  • you can take it out quickly and easily directly at the bank, with one signature on the loan contract

The insurance may be taken out by clients who meet insurance conditions specified in the loan contract, Master Insurance Policy and general insurance conditions.

Property insurance

If your property is not insured yet, we will be glad to insure it directly in the loan contract when providing Fleximortgage. We will insure the property directly at the branch when signing contractual documents.

We will quickly, simply and advantageously insure your:

  • house, including ancillary buildings and other structures
  • flat, including co-ownership share in the common parts of the apartment building
  • house under construction, or a house under reconstruction, including construction material for the house construction. The insurance is automatically changed into the house insurance after the final inspection and you do not have to conclude a new insurance contract.

The insurance covers your property in case of natural risks (fire, lightning, explosion, pipe water, storm, hail, falling rocks, stones, trees, poles, also snow, floods, landslides, earthquakes, etc.), damages to electric motors, costs related to the insured event (vacating, demolition, etc.) and you get also additional insurance coverage on responsibility for property ownership and theft of construction components.

Why is the property insurance advantageous in VUB

  • you will get insurance tailored to your needs and parameters of the Fleximortgage
  • you can conclude the insurance contract quickly and simply directly at the branch when signing contractual documents for the Fleximortgage
  • restriction of disposal rights in favour of the bank is included in the insurance contract
  • we insure houses under construction from the start of the construction

Household insurance

If you are interested in insurance of your househod, we will be glad to insure it directly in the loan contract when providing Fleximortgage. We will insure the household in the mortgaged property.

The insurance covers your household for the following events:

  • damage or theft of movable items comprising household furnishings (including money, valuables, electronics, etc.),
  • damage or theft of construction component,
  • damage or theft of movable items located in the non-residential areas in the same insurance location
  • costs related to the insured event (transportation, alternative accommodation).

In addition, you will also get insurance of responsibility for damages caused by persons living in the insured household, up to EUR 16,596.96, regardless of the insured amount.

Why is the household insurance advantageous in VUB

  • you will get insurance according to your requirements - you will choose the insured amount
  • the insurance contract is concluded directly in the loan contract, simply and quickly
  • you will get above-standard insurance protection




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