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INSURANCE OF CARDS AND PERSONAL ITEMS

Avoid worrying and costs in case of loss or theft of your payment cards and some personal items (such as purses, and keys).

A comprehensive bundle for secure transactions with payment cards.

All cards issued by Nova KBM are insured.

Affordable insurance premium.

Overview of insurance coverage and limits

VRSTA KRITJA	VRSTA LIMITA	VIŠINA KRITJA
Zloraba izgubljenih ali ukradenih kartic zavarovanca s strani nepooblaščenih oseb: - dvigi gotovine s kartico s strani nepooblaščene osebe - plačila blaga in storitev izvršena prek POS terminalov s strani nepooblaščene osebe	Limit po posamezni kartici po škodnem dogodku	50 EUR*
	Limit za vse kartice na leto	2.000 EUR
Rop ali roparska tatvina gotovine zavarovanca	Limit po škodnem dogodku in na leto	200 EUR
Stroški izdelave nove kartice in stroški blokade kartice	Limit po posamezni kartici po škodnem dogodku	20 EUR
Stroški izdelave nove kartice in stroški blokade kartice	Limit za vse kartice na leto	100 EUR
Izguba ali kraja osebnih predmetov	/	/
Izguba ali kraja ključev - stroški ponovne izdelave ključev	Limit po škodnem dogodku in na leto	300 EUR
Izguba ali kraja osebnih dokumentov - stroški ponovne izdaje osebnih dokumentov in izdelave fotografij	Limit po škodnem dogodku in na leto	100 EUR
Izguba ali kraja ročne torbice in/ali denarnice – stroški ukradene ali izgubljene ročne torbice	Limit po škodnem dogodku in na leto	150 EUR
Izguba ali kraja mobilnega telefona – stroški povzročenih telefonskih storitev	Limit po škodnem dogodku in na leto	150 EUR
Nezgodna smrt	/	1.000 EUR
Naravna smrt/Smrt zaradi bolezni	/	1.000 EUR
Zavarovalna vsota (zgornja meja obveznosti zavarovalnice na leto)	/	4.000 EUR
Cena	/	11,24 EUR

Zavarovanja niso bančne storitve. Nova KBM nastopa kot zastopnik pri trženju, zavarovatelj pa je Zavarovalnica Sava.

* Obvestilo v zvezi s spremembo limitov v zvezi z zavarovanjem nevarnosti izgubljenih ali ukradenih plačilnih kartic z nezgodnim zavarovanjem oseb Nove KBM:

Vse zavarovalce, ki imajo sklenjeno zavarovanje nevarnosti izgubljenih ali ukradenih plačilnih kartic obveščamo, da je zavarovalnica SAVA v skladu z novo zakonodajo, točneje v skladu z Zakonom o plačilnih storitvah, storitvah elektronskega denarja in plačilnih sistemih prilagodili nekatere limite, ki izhajajo iz omenjenega zavarovanja. Po omenjeni zakonodaji namreč potrošnik v primeru zlorabe, izgube oz. odtujitve kartice sam nosi odgovornost le do zneska 50 EUR (po prej veljavni zakonodaji do zneska 150 EUR). Navedena sprememba na zavarovalce nima neposrednega vpliva, saj zgolj sprememba limita, njihovega finančnega stanja v primeru omenjenih dogodkov, ne poslabšuje. Zavarovanje namreč, seveda v skladu z določili zavarovalnih pogojev, še naprej pokriva del, ki ga v primeru nastanka zavarovalnega primera nosi zavarovanec (po novem torej del do 50 EUR), medtem ko škodo nad omenjenim zneskom, v skladu z zakonom in splošnimi pogoji poslovanja banke, krije slednja.

Za vse ostale informacije o zavarovanju nevarnosti izgubljenih ali ukradenih plačilnih ali kreditnih kartic pa ste vljudno vabljeni v katerokoli poslovalnico Nove KBM.

Type of coverage	Type of limit	Coverage amount
Abuse of the card by third parties in case of loss or illegal confiscation of cards Costs of issuing new cards in case of loss or illegal confiscation of the card	Limit per individual card after a damage event	50 EUR*
	Limit per individual card after a damage event	in accordance with the bank's tariff
Unlawful confiscation of cash	Limit for all loss events per year	300 EUR
Key and lock replacement costs in case of illegal confiscation of the card and keys	Limit for all loss events per year	200 EUR
Costs of replacement of personal documents in case of illegal confiscation of card and documents	Limit for all loss events per year	100 EUR
The cost of buying a new bag or wallet in case of illegal confiscation of the card and bag/wallet	Limit for all loss events per year	150 EUR
The cost of purchasing a mobile phone in case of illegal confiscation of the card and mobile phone	Limit for all loss events per year	100 EUR
Costs of mobile phone calls in case of illegal confiscation of the card	Limit for all loss events per year	150 EUR
The price	/	EUR 9.90

Insurance is not a banking service. Nova KBM acts as a marketing representative, and the insurer is Zavarovalnica Triglav.

* The limit for all loss events per year means that the insurance company pays the damage resulting from one or more loss events in the insurance year each insurance year, up to the maximum amount of the limit.

For all other information about insurance against the risk of lost or stolen payments or credit cards, you are kindly invited to visit any Nova KBM branch.

Are you interested in insuring cards and personal items? The conclusion is simple.

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We are the most accessible bank with the widest network, where you can take out insurance and provide various other services throughout Slovenia.

	INFORMATION ABOUT THE INSURANCE PRODUCT

PRICE LIST AND GENERAL CONDITIONS

*Insurances are not banking services. Nova KBM acts as a marketing agent, and the insurer is Zavarovalnica Triglav.