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General terms of FS Kindlustusmaakler LLC

FS KINDLUSTUSMAAKLER LLC (thereafter known as kindlustusmaakler) offices are located in Lennujaama tee 5, 11101 Tallinn, general phone number +372 53 430 567, email info@fskindlustus.ee

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1. FS Kindlustusmaakler LLC contacts:

FS KINDLUSTUSMAAKLER LLC (thereafter known as Kindlustusmaakler) offices are located in Lennujaama tee 5, 11101 Tallinn, general phone number +372 53 430 567, email info@fskindlustus.ee.

2. Activity of FS Kindlustusmaakler LLC

Kindlustusmaakler works in the interest of the policy holder. FS Kindlustusmaakler insurance brokers work in accordance with the Insurance Activities Act. The aim of an insurance broker is to give the customers an overview of all the different insurance products and services. To offer customers insurance contracts based on independent analysis and recommend contracts  with favourable conditions and demands. Offer the customer consultations on other matters concerning the insurance contract and advise in case of damages.

The insurance fees paid by the policy holder to the insurance broker is considered by the Insurance Activities Act to be paid by the insurer.

FS Kindlustusmaakler is a company listed as an insurance intermediary by the Estonian Financial Supervision and Resolution Authority, that deals with facilitation of non-life insurance contracts. List of insurance intermediaries are available on the Estonian Financial Supervision and Resolution Authority website, available at www.fi.ee (kts 192-1-3), through where you can check the entries done about FS Kindlustusmaakler. FS Kindlustusmaakler LLC does not have major shares in any insurance company nor does any insurance company or dominant company of the insurance company have direct or indirect shares in FS Kindlustusmaakler LLC.

FS Kindlustusmaakler LLC business activity is covered by a liability insurance contract with IF P&C Insurance Ltd, the contact information of the company is available in www.if.ee

3. FS Kindlustusmaakler LLC insurance committees (commissions/ broker fees):

IF P&C Insurance Ltd (commission fee from the insurance company): motor third party liability insurance (10%); casco insurance (15%); home insurance (20%); property insurance of legal person (15%); marine cargo insurance (15%); travel insurance (19,5%); accident insurance (15%); dog and cat insurance (15%); vehicle and equipment insurance, business interruption insurance, liability insurance, construction all-risks insurance, road carrier’s liability insurance, yacht insurance, forest insurance, freight forwarder’s liability insurance (15%).

Ergo Insurance SE (commission fee from the insurance company): motor third party liability insurance  (6%); casco insurance (12%); home insurance (12,5%); property insurance of legal person, business interruption insurance (12,5%); travel insurance (15%); accident insurance  (12,5%); road carrier’s liability insurance (12,5%); liability insurance (12,5%).

SEESAM INSURANCE AS (commission fee from the insurance company): motor third party liability insurance (9%); casco insurance (15%); home insurance (18%); property insurance of legal person (14%); marine cargo insurance (12%); travel insurance (18%); accident insurance (18%); machinery insurance (14%); general liability insurance (12%).

AAS Gjendidige Baltic Eesti Filiaal (commission fee from the insurance company): motor third party liability insurance (10%); casco insurance(15%); home insurance (15%); property insurance of legal person (15%); liability insurance (15%); technical risks insurance (15%); suretyship insurance(10%).

AAS BTA BALTIC INSURANCE COMPANY EESTI FILIAAL (commission fee from the insurance company): motor third party liability insurance (10%); casco insurance (15%); home insurance (20%); property insurance of legal person (18%); travel insurance (25%); general liability insurance (15%); Professional civil liability insurance (15%); machinery insurance (15%); suretyship insurance (10%).

AB “LIETUVOS DRAUDIMAS“ EESTI FILIAAL (commission fee from the insurance company): motor third party liability insurance (10%); casco insurance (14%); home insurance (18%); property insurance of legal person (15%); ärikatkestus (15%); vastutuskindlustus (15%); machinery insurance (15%); marine cargo insurance (15%); electronic equipment insurance (15%); road carrier’s liability Insurance (15%).

4. Principles concerning compensation for damages

The obligation to offer compensation for damages is stated in the contract or legislation (compulsory insurance) as the insurer. In case of an insured event the insurer  will pay for the damages following the legislation and the documents of the contract:
1) In case of voluntary insurance, according to general and special conditions of the insurance contract,
2) in the case of compulsory insurance, in accordance with the legislation regulating the type of compulsory insurance,
3) according to the Law of Obligations Act and other obligation acts.

The principles of compensation have been set out by the Law of Obligations Act in § 448-450, 475-477, 491.

 

5. Jurisdiction

The policyholder may present claims  from the contract against the insurer to a court agreed to by the contract. In absence of a stated agreement, to the following courts:
a) the county court of location of the insurance company;
b) the county court of location of the branch of the insurance company in Estonia;
c) the county court of location where the insured event took place;
d) to other courts stipulated by Code of Civil Procedure;
e) to resolve disputes concerning the contract of the compulsory motor TPL insurance, it is possible to recourse to the arbitral court of the insurance company.

6. Form of information

The information presented above is submitted to the policyholder in written form, via email or through the webpage www.fskindlustus.ee. In case the policyholder has not fully understood the information given, he/she is obligated to notify the insurance broker of this. In case the policyholder has further questions concerning the information he/she has been given, FS Kindlustusmaakler ask that they be sent in written form to its office at Lennujaama tee 5, 11101 Tallinn or via email at info@fskindlustus.ee during 5 (five) working days the latest after receiving the insurance policy.

7. Reading the information

Information concerning general and special terms and conditions, additional risks, limitations and exclusions, principles of compensation, other terms and important issues concerning insurance contracts are available on our website www.fskindlustus.ee and in the insurance brokers offices.

The insurance broker will send the requested information to the policyholder’s email. The policyholder may set up a meeting with the insurance broker in FS Kindlustusmaakler LLC offices.

More important terms of contract, overview of offers containing your special requests or of insurance companies will be forwarded to You by the insurance broker. The important terms. The selection of the important terms has been made based on the interests and requests made by the policyholder.

8. Personal data

8.1. In order to mediate the insurance contracts and consultations the insurance brokers has to process his/her clients (including the policyholder, the insured person, beneficiaries and their representative) personal data.
8.2. Processing of personal data is the safekeeping, recording, collecting, changing, using, exchanging, forwarding and other activities connected with the latter.
8.3. Personal data is a person’s name, personal identification code, address, state of finance and health, business and professional secrecy.
8.4. The objective of processing personal data is to mediate insurance contracts, to offer insurance consultation, offer loss adjustment and prevention of damages service, execution of expertise concerning claims and other services related with the latter. Also to complete the responsibilities set by the contracts and legislation of the companies that belong to the same group as the insurance broker.
8.5. The insurance broker keeps the personal data in secret and guarantees the lawfulness of their handling.
8.6. Personal data may be revealed only with the approval of the person, except in cases stated in the legislation.
8.7. The insurance broker may forward personal data to Estonia as well as abroad to the following people:
8.7.1. insurance companies and insurance intermediaries;
8.7.2. to its partners (the partners have been listed in this information sheet (insurance companies) and on the company’s website www.fskindlustus.ee);
8.7.3. to third parties (for example, for legal help), when it is necessary to the person or insurance broker to protect them in case of violated or dispute rights.
8.8. The person has the right to access their data in the insurance broker’s office.
8.9. The person has to notify the insurance broker of changes in their personal data.
8.10. The person has the right to demand amendment in their personal data if they are incorrect or there are other circumstances concerning legislation.
8.11. The person has the right to demand the treatment of their personal data and their deletion if stipulated by legislation or it is necessary to protect their violated rights in a situation stipulated by legislation.

Wishing you a pleasant cooperation, FS Kindlustusmaakler LLC
FS Kindlustusmaakler LLC / Lennujaama tee 5, Tallinn / reg. 11455873 / www.fskindlustus.ee / info@fskindlustus.ee

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