They offer extensive coverage of the risk for all small and large improviste that can affect a family. To get the best keep in mind that what provides the contratto.L 'infiltration of water that damaged the ceiling of the downstairs, the dog that bites a passerby, our son who ruined the bike parked cars. The Civil Code (art.2043 and following) obliges the head of household to compensate injury or death caused by him but by all people (or animals or objects) under its responsabilità.E can happen in everyday life spesso.Le policies on civil liability of the householder cover precisely these eventualità.E generally cover it really molte.Il advice is therefore to have in mind the contract that is going to sign, in such a way that they can claim whenever previsto.Esistono insurance policies sold by themselves and Rc falling in larger packages, so-called multirischio.Assicurato not only who is signing the bill but also the people of the family (Eguiparati spouses are cohabiting) or for family work permanently or temporarily (ie domestic workers). This type of insurance covers non-intentional tort (intentional than ever, that is done intentionally), and only nel'ambito privacy. Not so the facts in the exercise of their work or damage arising from the non-compliance with a contract. The premium for all policyholders only varies depending on the ceiling and not by choice, for example, the number of household members, the presence of minors or to the municipality of residenza.Nella our investigation we have examined the cases twenty-nine pollizze.Visto covered are many and very diverse should address the various issues one by one.
COVERED EVEN ABROAD
All policies cover not only the damage caused in the place of residence elsewhere, for example, if you are traveling in vacanza.Sono seventeen contracts that have extended coverage to the world intero.Le other limiting coverage only to Europe or apply some relief (eg Cathedral: exemption of € 1,000 if the loss is not out of Italy). ;
NO FEAR IF YOU HAVE CHILDREN OR PETS ; ;
The liability insurance policies cover all damages caused by unlawful acts are committed by minors are also covered figli.Se intentional abuse and not only those culpable as with maggiorenni.Un special case is that the knowledge of the minor adults and causes a incidente.Le quid car insurance liability auto insurance (mandatory for all machines) provide compensation for damage to third parties but then require the insured rimborso.La liability policy insures against the householder's right to compensation of the company and therefore covering the refund requested by Rc auto.Alcune companies claiming an additional premium for this: the Duomo, Allianz-Ras and Unipol. Three other
, Groupama, Generali and the Piemontese prefer to apply franchigia.Sul face a pet, the Civil Code (art.2052) requires the owners to damages caused by their quattrozampe.Quasi all the policies under examination cover damage caused by pets, provide some compensation limits and deductibles . Other (Duomo, Generali, Allianz-Ras, Sara and Unipol) claiming an additional premium to cover the damage caused by cani.Se then the four-legged race are considered hazardous, some policies will exclude it completely from copertura.é well then read the written clauses in the contract.
And if flooded IN THE STORE CASA?
coverage for losses caused by non quadagni third parties is particularly useful if you live on or near an exercise commerciale.Se aqua breaks a pipe into your home, flooding the bakery below and Baker was forced to close shop for two days, it is useful that the bill in addition to paying any direct, also compensates the trader for two days of chiusura.Le two covers are best provided by Royal Mutual and Assistence Europe that do not include limits and other franchigie.Le policies provide a sub instead, to cover this damage is not worth the overall ceiling for which you have chosen to make sure, but a lower figure that varies depending on the sub compagnie.Il more esique is to Unipol: 16,000 Unipol euro.La relief is 10% of the total danno.Duomo also requires an additional premium to ensure the failure finally quadagno.Nove companies do not provide this coverage: Catholic, Aviva, Allianz Lloyd Adriatico AXA-MPS, Ubi, Nationale Suisse, Victoria, Taurus and Genertel. SPORT
INSURED NO HUNTING
are few, only between cingue Guell considered, companies that cover the damage caused by hunters and their dogs: Aviva, Aurora, Cathedral, Groupama and Ubì.Le last three, however, require an additional premium . The more the number rather than insurance covers accidents caused by the use of weapons outside of hunting: Axa, Catholic, Aviva, Duomo, Europe Assistance, Direct Line, General, AXA-MPS, Allìans-Ras, Royal & SunAlliance, Fondiaria-Sai, UBI, Nationale Suisse, Unipol, Victoria, Piedmont, Reale Mutua, Sasa and Aurora.Tutte policies cover the activities of amateur sport, professional or never Guell comungue in crease so paid. Some companies (Genial-Loyd, the Catholic Cathedral, General Manager, Nationale Suisse, Victoria), excluding sports considered par-ticularly risky as parachuting and paragliding, as well as between the hobby is not generally considered the practice of modeling and dell'aeromodellìsmo. Some policies, finally, do not cover damage caused during the races, not even professional Nisticò (Direct Line, Allianz Lloyd Adriatico, Unipol and AXA-MPS). Guello Also covered everything that happens during the camp. (Continiua) "money Rights & n. 99 March 2008"
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