In short
It's great to know that, whatever happens, the space that shelters you is also, in turn, protected from unforeseen situations.
Thus, we came to create an accessible and flexible solution for you and your home: property insurance.
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Good to know
For properties intended for residential use, purchased through credit or used to guarantee loans granted by us, it is mandatory to conclude an optional home insurance and a disaster insurance policy (PAD).
How does it work?
Before concluding such an insurance, you also need to know a few important things:
- Optional insurance covers material damages caused by events that harm your home
- Additionally, the facultative policy covers: civil liability and property insurance
- The insured amount is exactly the assessed value of the insured property
- The insured amount, the insurance premium and the compensation are set in the currency of the granted loan
- PAD policy covers risks caused by natural phenomena, such as earthquakes, landslides, or floods
Costs
- The insurance premium for the optional policy is calculated by applying the rate of 0.12% to the market value of the property
- Optional insurance can be paid monthly, quarterly, semiannually, or annually, in the currency of the loan
- The cost of the PAD policy is 130 Lei with a validity of one year, payment being made in full upon issuance of the policy
How do you get insurance?
The insurance for the mortgage loan is available exclusively in BT units.
You can only take out this type of insurance (offered together with Groupama) if you have taken out a mortgage loan from BT.
Schedule directly in a BT unit.
