THE OBJECT OF THE INSURANCE

EUROINS pays compensation for prejudice caused unintentionally by the Insured, who is civilly liable to third parties who suffered damages, according to the law.

INSURED RISKS

EUROINS pays compensation to the Insured for:

• bodily injuries, illness or death;
• damage or destruction of certain goods;
• legal expenses.

TERRITORY

The insurance is valid for damages which occur on the territory of Romania.

THE LIABILITY PERIOD OF EUROINS

Generally, the insurance period is of 12 months, but not less than 6 months.

LIABILITY LIMIT

The liability of EUROINS is limited as follows:

• per insured event;
• per insurance period.

OBLIGATIONS OF THE INSURED

To take all the necessary measures in order to prevent the occurrence of the insured event and also in order to limit the damages and the expenses in the case of the occurrence thereof.
To notify EUROINS, in written, immediately after gaining knowledge about any change of the information provided on concluding the insurance.


ADDITIONAL CLAUSE A REGARDING THE INSURANCE AGAINST CIVIL LIABILITY ARISING FROM  ACCIDENTAL POLLUTION
The current Additional Clause shall be applied only together with "General conditions regarding the third-party liability insurance" and it has prevalence over the General conditions, to the extent to which it is contrary to their provisions.

THE OBJECT OF THE INSURANCE

EUROINS, according to the provisions of the current Additional Clause, covers through the insurance, in exchange for the insurance premium paid by the Insured, the civil liability of the Insured towards third parties, as a consequence of the occurrence of an event which causes pollution.

INSURED RISKS

EUROINS pays compensation, within the limits of a maximum of 20% from the liability per event mentioned in the insurance policy, for expenses related to the removal of the immediate effects, costs or reasonable measures taken for preventing an imminent danger / for mitigating the effects of the polluting event which may occur during the insured period.

SPECIAL CONDITION A REGARDING THE THIRD-PARTY INSURANCE OF THE MANUFACTURER

THE OBJECT OF THE INSURANCE

EUROINS, covers by the insurance any damages caused to third parties by or related to products resulted from activities comprised within the line of business of the Insured, and which represent a direct consequence of the consumption or of the use of the products which represent the object of the business of the Insured.

SPECIAL CONDITION B REGARDING THE THIRD-PARTY LIABILITY INSURANCE OF THE EMPLOYER TOWARDS HIS EMPLOYEES

THE OBJECT OF THE INSURANCE

EUROINS, according to the provisions of the current Special Conditions, covers by the insurance the prejudice caused by the Insured to his employees due to his fault, by which he becomes liable on grounds of the employment contract.

SPECIAL CONDITION C REGARDING THE THIRD-PARTY LIABILITY INSURANCE OF THE TENANT TOWARDS HIS LANDLORD

THE OBJECT OF THE INSURANCE

EUROINS, according to the provisions of the present Special Conditions, covers by the insurance prejudice registered by the owner-lessor, natural or legal person, as a consequence of the fault of the Insured during the insured period, by which the Insured becomes liable to the owner on basis of the provisions of the lease or of the law.

SPECIAL CONDITION D REGARDING THE THIRD-PARTY LIABILITY INSURANCE OF THE LANDLORD TOWARDS HIS TENANTS  

THE OBJECT OF THE INSURANCE

EUROINS covers by the insurance policy  the damages provoked by the Insured to natural or legal persons with whom he has perfected valid leases, as a consequence of events which took place due to his own fault (negligence, imprudence, omission) by which he becomes liable, on basis of the provisions of the lease.

SPECIAL CONDITION E REGARDING THE THIRD-PARTY INSURANCE OF THE SERVICE PROVIDER

THE OBJECT OF THE INSURANCE

EUROINS, covers by the insurance prejudice caused by the Insured to his clients due to his fault, by which he becomes liable on grounds of the legal provisions in force which refer to service provision.

SPECIAL CLAUSE (EA) REGARDING THE THIRD-PARTY LIABILITY INSURANCE OF THE SERVICE PROVIDER - MOTOR VEHICLE SERVICE UNITS

THE OBJECT OF THE INSURANCE

EUROINS covers by the insurance the compensation owed to third parties as a consequence of performing activities in the field of motor vehicle service provision, during the insured period.

SPECIAL CLAUSE (EB) REGARDING THE THIRD-PARTY INSURANCE OF SHIPPING COMPANIES FOR THE TRANSPORTATION OF MERCHANDISE

THE OBJECT OF THE INSURANCE

EUROINS covers through the insurance the liability of the Insured for the partial or total loss, deterioration or destruction of the merchandise, and for other justified expenses related to the shipment (storage, limitation of damages, redirecting the shipment, etc.) occurred between the reception of the merchandise in view of shipping it and the moment of its delivery to the recipient, if the loss, deterioration or expenses are due to the unintentional fault of the Insured or of its agents during the organization of the shipment.

INSURED RISKS

EUROINS pays compensation to the prejudiced third-party up to the limit of the liability amount provided in the insurance contract, for:

• the loss and/or the deterioration of the merchandise taken on by the Insured in view of organizing the shipment;
• justified expenses related to organizing the shipment (storage expenses, expenses for limiting and for finding damages, and for redirecting the shipment, etc.);
• penalties due to the late delivery of the shipment;
• trial expenses that the Insured must pay in a civil lawsuit.

AICI

Special extensions
Transportation
EUROINS insures the extension of the liability of the Insured if the loss, deterioration or the expenses are due to the fault of the carrier and/or of the driver of the motor vehicle.
Cargo handling
EUROINS insures the extension of the liability which falls upon the Insured during the handling, loading and unloading of the cargo, when these operations are not performed by order of the Insured.

OBLIGATIONS OF THE INSURED

Any shipment, be it covered or not by a FIATA document, shall only be trusted to carriers who have liability insurance policies, according to the Definitions chapter. Any shipment organized under the coverage of a FIATA document shall be notified on the day of issuance of the respective document. In order to be covered by the insurance, the Insured shall forward EUROINS the FIATA document/documents by fax during the day of their issuance. EUROINS shall confirm in written the next day, the receipt of the document/documents and the coverage of the insurance. For shipments where there is no FIATA document issued,  it is not necessary to notify EUROINS in written.
 
SPECIAL CLAUSE (EC) REGARDING THE THIRD-PARTY INSURANCE OF SANITARY UNITS

THE OBJECT OF THE INSURANCE

EUROINS covers by the insurance the civil liability of the Insured for compensation owed to third parties or to patients, as a result of the occurrence of an insured event during the insured period.

INSURED RISKS

EUROINS pays compensation to the Insured for the insured events occurred during the insurance period, up to the limit of the liability provided in the insurance contract, for:

• amounts that the Insurer is forced to pay as compensation to third parties for prejudice caused due to his fault, for:

• trial expenses supported by the Insured during the civil trial related to the insured events, if he was forced to pay damages.

OBLIGATIONS OF THE INSURED

To take all the necessary measures in order to prevent the occurrence of the insured events and also in order to limit the damages and the expenses in the case of the occurrence thereof;

To notify EUROINS in written within a maximum of two calendar days after gaining knowledge, of any event which would fall under the coverage agreed upon through the present insurance contract or of any complaint related to the insured event, providing all the information, data, background, papers and documents at his disposal.

SPECIAL CLAUSE (ED) REGARDING THE CIVIL LIABILITY OF RAILWAY TRANSPORTATION OPERATORS FOR THE TRANSPORTED MERCHANDISE

THE OBJECT OF THE INSURANCE

EUROINS covers by the insurance the material losses occurred due to an accident to the transported merchandise, on railways on the territory of Romania, as a consequence of the fault of the transporter or of its agents.

INSURED RISKS

EUROINS covers the civil liability of the Insured for damages or for the destruction of the transported merchandise following the occurrence of an insured event during railway transportation, liability arising by fault of the transporter and/or of the driver of the railway transportation means.

Trial expenses supported by the Insured during the civil trial, if he was forced to pay damages (including in the case in which the criminal action is not initiated anymore, and the civil action remains in the competence of the criminal court).

OBLIGATIONS OF THE INSURED

• The Insured/Contracting party must provide accurate information and data, as  requested in the insurance application-questionnaire and in any other written statement.
• In any case when the circumstances regarding the risks, as they were declared by the Insured, change during the validity of the contract, the Insured must send a written notification to EUROINS within five calendar days from the occurrence of the changes.
• The Insured must keep an accurate record of the quantity of the transported merchandise.
• To notify immediately the authorities closest to the place of the occurrence of the event, requesting them to draw up documents regarding the causes, circumstances and guilty parties in the occurrence of the accident;
• To notify EUROINS in written, within a maximum of three calendar days from the date of gaining knowledge about the incident.

SPECIAL CLAUSE (EE) REGARDING THE CIVIL LIABILITY OF PORT AUTHORITIES/PORT OPERATOR

THE OBJECT OF THE INSURANCE

EUROINS covers by the insurance the civil liability of port authorities/port operators for material damages and bodily injuries caused to third parties during the progress of the activity for which they have an authorization issued by the relevant authorities.

INSURED RISKS

• Losses or damages to ships and/or boats, including the loss of their utility, of equipment and/or merchandise, arising during the authorized activity;
• Losses or damages of goods and/or equipment belonging to third parties, losses which arise during the progress of the activity, including loading, unloading, handling and/or storage of the merchandise;
• Loss of human lives and/or bodily injuries provoked to third parties;
• Legal expenses and/or taxes or expenses incurred by the Insured in view of rejecting the claims of third parties regarding the liability of the Insured for the above-described risks, provided that these costs, taxes and/or expenses are previously accepted in written by EUROINS.

OBLIGATIONS OF THE INSURED

• To pay the insurance premium within the conditions established at the conclusion of the insurance contract and to respect the payment of the premium instalments established in the policy, on their due dates.
• To conserve the right of EUROINS to sue for compensation against the parties at fault for the occurrence of the damages;
• To notify EUROINS within 48 hours from the date of gaining knowledge of the existence of any lawsuit initiated against him/her by third parties who suffered damages, lawsuit the object of which are claims regarding the activity carried out by the Insured, under the sanction of the non-payment of possible due compensation.