FORUS SECURITY INSURANCE
From 1 December 2021, all customers who have chosen the Home Surveillance and Smoke Detection package will also benefit from Forus Security Insurance. Forus Security Insurance has been developed in cooperation with If Kindlustus and provides protection against water and fire damages, theft and vandalism. We indemnify for up to 6,000 euros worth of damage with zero deductible for each insured event.
Benefits of Forus Security Insurance
Forus Security Insurance complements existing home insurance by helping to resolve various claims without any deductible.
If your home is not yet insured, the Security Insurance included with the Forus Home Surveillance and Smoke Detection packages is an excellent way to start mitigating more minor risks.
Get the best protection and feel safe by having both home insurance and Forus Security Insurance.
The insurer If P&C Insurance AS provides Forus Security Insurance. See conditions here:
Terms and conditions of the Home Surveillance basic package (if.ee)
You can report damage to us through the claim settlement form (on the right). Follow the instructions and attach the necessary documents.
When reporting damage, you will need:
1. Call-out report or in the absence thereof an alarm log, which you can download in Forus’ self-service .
2. Photos of the damage
Protection against theft, vandalism, and water damage and fire
Insured event of theft and vandalism is:
intentional and unlawful damaging or destruction of the object of insurance by a third party;
collision of a land vehicle with the object of insurance if the vehicle was driven by a third party;
insured event of robbery is the robbery of the object of insurance by a third party, i.e. taking away property by violence or under threat of violence;
insured event of theft is the theft of the object of insurance or parts thereof.
Insured event caused by water is damage to or destruction of the object of insurance due to:
liquid or steam that has escaped internal plumbing that has broken suddenly and unexpectedly;
liquid or steam that has escaped the appliance as a result of a breakage of a home appliance permanently connected to plumbing or a fitting thereof;
liquid or steam that has escaped internal plumbing located outside the place of insurance (a faucet in the neighbour’s apartment was left running, a pipe broke, etc.);
wastewater that has entered the place of insurance as a result of a blockage of sewerage located in the apartment building, provided that the blockage was caused by a third party.
Insured event of a fire is:
fire spreading outside a firebox or soot, smoke, extinguishing activities resulting therefrom;
visible mechanical damage or a fire caused by lightning;
explosion that causes damage or a fire;
fall of a manned aircraft (incl. airplane, helicopter), parts thereof or cargo that causes damage or a fire;
fall of a drone that causes damage or a fire.
We indemnify up to €6,000 of damage per each event
We indemnify the required amount for the restoration of an insured building, terraced house, apartment to the equivalent condition in the amount of up to 6,000 euros per insured event.
Where home property is expedient to repair, the amount of indemnity is the repair costs (incl. transport costs), but where home property cannot be repaired or repairs are not expedient, the amount of indemnity is the cost of repurchasing a new equivalent item in the amount of up to 6,000 euros per each insured event.
In case of damage, you do not have to worry about unexpected expenses as there is no deductible with Forus Security Insurance.
Read the terms and conditions of the contract here: Terms and conditions of the Home Surveillance basic package (if.ee)