Do you want to establish an assignment on the policy, e.g. in connection with a bank loan? In such a case, the rights arising from your policy will be transferred to the bank. The assignment may concern real estate insurance, as well as insurance of movables owned by the company. You can provide information about confirmation of policy assignment when you take out insurance with an agent or at any time during the contract. 

Send us:

• declarations of assignment

Notification of the assignment can be made on the basis of:

• an assignment agreement concluded and signed by you/your company with the Assignee (bank),
• a written statement of assignment with the number of the policy concerned.

IMPORTANT: If several Insured persons are named in the policy, the consent of each of them to the assignment is required. Confirmation of acceptance of the assignment is indicated only on the original (or if lost - on duplicate) policy.

If you choose the postal route, we will send the policy by post to your mailing address upon confirmation of the assignment.

Has your company's insurance been terminated before the end of its term? In this situation you are entitled to a refund of the premium for the period of unused insurance coverage.

Send us:

• request for reimbursement of premium

Remember to sign the application by hand as a person authorised to represent the company and to provide the number of the policy concerned.

IMPORTANT: If the contribution is to be reimbursed to the company, the only form of reimbursement is a bank transfer.

• Have you lost your policy document or not received a renewed policy, which should have been sent by post? In such a situation, you can get a duplicate document at any time.

Send us:

• application for a duplicate policy

Remember to sign the application by hand.

Important: If you are in a hurry, we can send the document by e-mail to the e-mail address indicated when concluding the policy. If it was not provided, you can provide it during a telephone conversation with our consultant or include it in your application.

• If you are taking care of formalities related to termination or suspension of your business activity, file an application for termination of the policy and settlement of the premium at the place of insurance - you are entitled to a refund of the premium for the unused insurance period.
• If the termination or suspension of your activity concerns one of several places of insurance indicated in the policy, apply for exclusion of the specific location from the policy and for settlement of the premium.

The following is required for termination of the policy or exclusion of a location from the policy due to termination/suspension of business activity:

• information about closure/suspension of business activity at the place of insurance, which should contain a handwritten signature of the person authorised to represent the company and the number of the policy concerned,
• a copy of a document issued by the relevant authority indicating termination/suspension of business activity at the insured location (e.g. entry from CEIDG, KRS).

IMPORTANT:

• If your policy is encumbered with an assignment to a bank, it is necessary to attach a letter from the bank indicating expiry of that obligation. This could be, for example, cancellation of the policy assignment by the bank, information about repayment of a loan or information about a transfer of rights back to the assignor.
• If the assignment to the bank only includes rights to compensation, such a consent will not be required. However, you will need a confirmation, e.g. a declaration of assignment, indicating that only rights to compensation have actually been assigned.
• If you do not remember what rights from the policy you have transferred to the bank and this document proves necessary to terminate the policy, we will inform you or the agent handling your insurance contract about the need to provide such a document.

• Is there an error in the address of the place of insurance in the policy or has your company changed the address of the place of insurance? Inform us about this by sending us a letter.  

A letter with information about the right/new address of the place of insurance including:

• handwritten signature of a person authorised to represent the company,
• number of the policy concerned,
• information about burglary protection in the new location if your company's insurance covers burglary.

IMPORTANT: You cannot change the place of insurance if the policy covers property insurance. In this case, the current insurance contract must be terminated and a new one concluded.

• Policy assignment has expired as a result of the company paying off a loan. In this situation, it is important to let us know. This means that the company will become the only party entitled to receive compensation in case of a loss covered by the insurance contract.
• IMPORTANT: Loan repayment does not constitute the basis for termination of the insurance contract.

Send us:

• a document from the bank confirming repayment of the loan (release of the assignment on your policy).

IMPORTANT: It is permissible to send us only a letter from the bank indicating repayment of the loan (without the original policy). In such a situation, we will accept the inform you about the repayment of the loan, without sending you a policy with the cancelled assignment. In the event of a loss, there will be no doubt as to whom to pay compensation.

Do you want an invoice for your company policy?

All you need is call us or send a letter with a request for an invoice for your company's insurance policy. The letter should always contain a handwritten signature of a person authorised to represent the company and the number of the policy concerned.

Remember that if you did not provide your email address to the agent when you concluded the policy, we do not have your email address. In such a situation, it is necessary to send a digital scan/photograph of the letter with the request to issue a document confirming validity of the policy - an e-mail message alone will not be sufficient.

An invoice will be sent to the address for correspondence provided when concluding the policy.

If you are in a hurry, we can also send you the document by e-mail, but only if you have provided your e-mail address when concluding the policy or if you have indicated it in your letter.

The Policy bears incorrect data of the Policyholder or the Insured. In this situation, just let us know. A change will be possible if the other information in the policy is correct.

IMPORTANT: In the event of a change of ownership of the insured property/real property, it is not possible to change the Policyholder/Insured in the existing SME insurance policy.  If the company is sold, the insurance contract should be terminated. The new owner should take out a new policy.

Send us:

• a letter providing us the right data of the Policyholder/Insured including:
  

• a handwritten signature of a person authorised to represent the company
  
• number of the policy concerned.