„Mindaugas Sinkevičius, what will you do? What will you do for the people? I don’t even write to that Napoleon – he is hopeless. The point is – insurance companies refuse to insure people’s property in the Kapčiamiestis eldership. Government, don’t you have enough cases yet?“, wrote the politician on the social network „Facebook“, sharing a letter from the company „Lietuvos draudimas“ to a client.
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In it, the company announces that it refuses to insure a residence located in Menciškė village, Lazdijai district, Kapčiamiestis eldership.
„In response to your inquiry regarding the insurance of the residence located in Menciškė village, Lazdijai district, we inform you that the insurance object was evaluated during the company’s risk assessment process. After assessing the risks associated with the mentioned object, the company’s risk assessor decided not to apply insurance coverage for the residence, therefore the insurance contract was not concluded.
The decision was made in accordance with the risk assessment procedure and insurance risk acceptability criteria applied in the Company. Insurance evaluates each object individually and has the right to make a decision regarding the provision or refusal of insurance coverage“, states the response from „Lietuvos draudimas“.
„Lietuvos draudimas“: a residence may be uninsured for many reasons
However, Saulius Abraškevičius, head of communications at „Lietuvos draudimas“, assured 15min that the company insures residents’ homes in Kapčiamiestis eldership in the usual manner and currently has over 200 valid home insurance contracts, which were concluded earlier and the vast majority of which are renewed annually.
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„It is important to mention that in a specific case, including this one, when assessing the possibilities to insure property, the insurer evaluates each property object individually every time and makes a decision regarding the provision or refusal of insurance coverage“, said S. Abraškevičius.
According to him, the main factors for which property may be uninsured include the age of the object, condition and technical risk, fire risk, the purpose and use of the building, theft and burglary protection measures, historical damage data, and similar.
„Since this is a type of voluntary insurance, there are cases when the insurer decides not to conclude a contract. We do not have the possibility to comment on specific client details due to data protection requirements“, added S. Abraškevičius.
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