According to the latest sociological study carried out by UNSAR, the majority of homeowners would feel more motivated to purchase these financial protection solutions if they were granted fiscal incentives (31% of respondents), if they had higher income (26%) or if they had more information about insurance (12%).
Moreover, of the 20% of homes that are protected against natural disasters by a PAD policy, only 17% are also protected by voluntary insurance against other risks, such as: fire, explosion, body falls, vandalism, theft, accidental damage to internal installations of buildings, etc.
However, according to the same study, 29% of those interviewed indicated their intention to purchase both types of policies in the future, while 22% claimed that they would only take out the mandatory policy.
"The number of homes insured at the moment makes the population extremely vulnerable to catastrophic events, such as today's earthquake. This is exactly why home insurance should be a priority for all of us. Therefore, it is our role to, together with the public authorities, come closer to the people and explain to them what benefits such a policy can bring", said Alexandru CIUNCAN, President and General Director of UNSAR.
In Romania, voluntary home insurance can only be taken out for those who are already protected by a mandatory PAD policy. This covers 3 catastrophic risks (earthquakes, floods and landslides) up to a limit of EUR 20,000 and EUR 10,000 respectively, depending on the type of construction, whichever is higher.
Earthquake is a major risk for the country, especially because of the earthquakes that occur, with a certain periodicity, at great depth, in the Vrancea seismic zone. The latest quake of noticeable magnitude occurred on November 3, at 6.50 a.m., with an estimated 5.5 Richter intensity. The earthquake was felt also in the capital city, Bucharest, but so far there are no significant damages reported.
2911 views
