Contract

Splošni pogoji za zavarovanje odgovornosti SI-311-0718

General Terms and Conditions for Liability Insurance SI-311-0718

Uporaba pogojev

1. člen


Ti Splošni pogoji (nadalje: Pogoji) se uporabljajo za zavarovanje odgovornosti. V kolikor je odgovornost zavarovana v okviru druge vrste zavarovanja, ki jo urejajo drugi splošni pogoji, se ti Pogoji uporabljajo le, če je to

izrecno navedeno v splošnih pogoji, ki urejajo tisto vrsto zavarovanja.

Application of the Terms and Conditions Article 1


This Terms and Conditions are applicable for liability insurance. If liability is insured within another line of business, this Terms and Conditions shall apply only if application of this Terms and Conditions is envisaged by terms and conditions regulating that particular line of business.

Pomen posameznih izrazov:

2. člen


Posamezni izrazi v teh Pogojih imajo naslednje pomene:

1) Zavarovalnica - ALLIANZ HRVATSKA, dioničko društvo za osiguranje, Zagreb, Allianz Slovenija, zavarovalna podružnica, Dunajska cesta 156, 1000 Ljubljana, torej zavarovalna družba, s katero je sklenjena zavarovalna pogodba;

2) Zavarovalec – oseba, ki je z Zavarovalnico sklenila zavarovalno pogodbo;

3) Zavarovanec – oseba, katere odgovornost je krita z zavarovanjem;

4) Tretja oseba – oseba, ki ni stranka zavarovalne pogodbe in katere odgovornost ni krita z zavarovanjem. V primeru udeležbe pravnih oseb v zavarovalno pogodbo, za tretjo osebo ne štejejo: (so)lastnik Zavarovalca ali Zavarovanca; pravne osebe v lasti ali solasti Xxxxxxxxxxx ali Zavarovanca; podizvajalci in njihovi zaposleni v poslih, v katerih Zavarovalec ali Zavarovanec nastopa kot izvajalec del oziroma nosilec posla;

5) Zavarovalna vsota – največja možna višina obveznosti Zavarovalnice iz posameznega zavarovalnega primera. V kolikor ni v zavarovalni polici dogovorjeno drugače, zavarovalna vsota hkrati predstavlja tudi največji znesek obveznosti Zavarovalnice v času trajanja zavarovalne police (letni agregat);

6) Premija – znesek, ki se plača Zavarovalnici za zavarovanje na podlagi zavarovalne pogodbe;

7) Polica – listina o zavarovalni pogodbi;

8) Zavarovalni primer – bodoč, negotov in od izključne volje pogodbenikov neodvisen škodni dogodek, ki se zgodi v času trajanja zavarovanja v zvezi s predmetom zavarovanja, kot posledica nepravilnosti predmeta zavarovanja, ki Zavarovancu ni bila poznana in mu ni mogla biti poznana, in ki ima za posledico nastanek škode, pod pogojem, da je podana odgovornost Zavarovanca za povračilo nastale škode v skladu s slovensko zakonodajo. Več časovno povezanih škod, ki nastanejo kot posledica istega vzroka, šteje kot en zavarovalni primer;

9) Nevarnostni vir – dejavnost (poklic), stvar (premična in nepremična), pravno razmerje ali določena lastnost, zaradi katerih lahko nastane škoda, za katero je odgovoren Zavarovanec in je predmet kritja tega zavarovanja;

10) Zaposleni delavci zavarovanca – vse osebe, ki imajo z Zavarovancem sklenjeno pogodbo o zaposlitvi za nedoločen ali določen čas, kakor tudi vse osebe, ki za Zavarovanca opravljajo določene občasne ali začasne posle (na podlagi podjemne pogodbe, prakse, specializacije ali katerekoli druge pravne oblike);

11) Podlimit – je del Zavarovalne vsote, ki predstavlja največji znesek obveznosti Zavarovalnice v primeru posameznega zavarovalnega primera, za katerega je le-ta dogovorjen. Dogovorjeni podlimit predstavlja del

Definitions:

Article 2


Some expressions in these Terms and Conditions shall have the following meanings:

1) Insurer - ALLIANZ HRVATSKA, dioničko društvo za osiguranje, Zagreb, Allianz Slovenija, zavarovalna podružnica, Xxxxxxxx xxxxx 000, 0000 Xxxxxxxxx, the company with whom the insurance contract has been concluded;

2) Policyholder - The person who entered into an insurance contract with the Insurer;

3) Insured - The person whose liability is covered by the insurance;

4) Third party - The person who is not the subject of the insurance contract and/or the person whose liability is not covered by the insurance. In case of insurance contracts involving legal entities, the definition of the third person excludes a co-owner of the Insured or the Policyholder, entities owned or co-owned by the Insured or the Policyholder, subcontractors and their employees in the those business transactions in which the Insured or the Policyholder are in the capacity of either a contractor or a principal contractor.

5) Sum insured - Maximum amount of the Insurer's liability for each and every insured event. Unless otherwise agreed in the insurance policy, the sum insured also represents maximum obligation of Insurer during insurance period (aggregate).

6) Premium - The amount payable for insurance on the basis of the insurance contract;

7) Policy - The document representing the insurance contract;

8) Insured event - The future, sudden and unexpected loss event, independent from exclusive will of contracting parties, occurred during the period of insurance in relation to subject of insurance, due to existing defect of which Insured was not aware of or could not be aware of, provided the Insured is legally liable for compensating such loss according to Slovenian Law. A single insured event is deemed also to be several successive injuries, damages or losses if these are the consequence of the same cause;

9) Source of peril - Occupation (profession), property (mobile and immobile), legal relation or certain capacities which could give rise to liability representing the risk covered by this insurance;

10) Employees of the Insured - All persons who have entered employment with the Insured either under a fixed-term or a permanent work contract, as well as all persons who perform certain occasional or temporary duties for the Insured (on the basis of a service contract, student training, specialist training etc.);

11) Sublimit - A part of the sum insured, which represents to the maximum amount of the Insurer's liability for insured events for which it was agreed. Sublimit is a part of the sum insured and not an addition to it;

12) Deductible - the amount with which the insured participates in a claim. If deductible is agreed, the same must be stated either in the terms under which the policy is contracted or on in the policy itself.

Zavarovalne vsote in je ne poveča;

12) Franšiza – znesek, s katerim Zavarovanec sodeluje v škodi. Če je franšiza dogovorjena, mora biti navedena v splošnih pogojih, ki veljajo za zavarovanje, ali na zavarovalni polici.


II. OSNOVNE DOLOČBE


Predmet zavarovanja

3. člen


(1) Predmet zavarovanja po teh Pogojih je civilnopravna nepogodbena odškodninska odgovornost Zavarovanca za škodo, ki nastane tretjim osebam zaradi:

1. smrti, telesnih poškodb ali okvare zdravja ali

2. poškodbe ali uničenja premoženja.


(2) Zavarovanje krije odgovornost za škodo, ki izvira iz (1) dejavnosti Zavarovanca ali (2) stvari, ki jih ima Zavarovanec v posesti oziroma določenih lastnosti teh stvari ali (3) pravnih razmerij Zavarovanca, vse kakor navedeno v zavarovalni Polici.


(3) Zavarovanje krije odgovornost Zavarovanca v razmerju do Zaposlenih delavcev zavarovanca za škodo zaradi smrti, telesnih poškodb, okvare zdravja ter poškodbe ali uničenja premoženja Zaposlenih samo, če je to posebej dogovorjeno v zavarovalni Polici in je plačana dodatna Zavarovalna premija.


(4) Zavarovanje kritja odgovornosti za škodo, nastalo

zaradi:

1. povečanja nevarnosti ali razširitve Nevarnostnega vira, ki nastanejo med trajanjem zavarovanja;

2. novega Nevarnostnega vira, ki se pri Zavarovancu pojavi po sklenitvi zavarovalne pogodbe, vendar le ob izpolnitvi pogojev iz 5. člena teh Pogojev (Zavarovanje novih Nevarnostnih virov);

3. škode zaradi kraje ali izginitve premoženja, a le ob pogoju, da je bilo premoženje spravljeno v zaklenjenih prostorih ali shrambi. Zavarovanje v nobenem primeru ne krije škode zaradi kraje ali izginitve denarja, dragocenosti vseh vrst, vrednostnih papirjev in listin vseh vrst;

4. škode, ki ni nastala kot posledica poškodovanja telesa ali zdravja oseb ali poškodovanja oziroma uničenja stvari, ti. čista premoženjska škoda, pod pogoji iz 6. člena teh Pogojev.

II BASIC PROVISIONS


Subject matter insured Article 3


(1) According to the Terms and Conditions, the subject matter insured is a non-contractual civil-law liability of the Insured for a loss due to death, bodily injury, deterioration in health, and damage to or destruction of property of third parties.


(2) The insurance covers liability for the loss arising from the activities of the Insured, possession of the property or a specific characteristic of the property, and legal relation specified in the insurance Policy or Proposal.


(3) Liability of the Insured to his own employees for a loss due to death, bodily injury or health deterioration or damage to or destruction of their property is covered by the insurance only if it is specifically agreed and stated in the insurance policy or proposal and if an additional Insurance premium has been paid.


(4) The insurance also applies to liability for losses due to:

1. Increased peril or extension of the insured source of peril occurred during the insurance period;

2. New source of peril which may emerge after conclusion of the insurance contract within the meaning of Article 5 of the subject Terms and Conditions (insurance against new sources of peril);

3. Theft or loss of property provided that the property is placed in locked rooms or depositories; however, theft or loss of cash, valuable objects of all kinds, securities and documents of all kinds is excluded;

4. Loss which is neither caused by bodily injury or deterioration of health of a person nor damage to or destruction of property, i.e. pure financial loss.

Razširitev kritja

4. člen


(1) V sklopu zavarovalnega kritja za Nevarnostni vir

»opravljanja dejavnosti« Zavarovanca, zavarovanje krije tudi odgovornosti za škode, ki izvirajo iz:

1) uporabe oziroma posesti, zakupa ali uživanja: zemljišča, zgradb in prostorov, ki se uporabljajo izključno za potrebe zavarovane dejavnosti ali poklica;

2) uporabe prostorov, ki so namenjeni izključno zaposlenim Zavarovanca, npr.: menza, kopalnica, letovišče, športno igrišče in drugo;

3) uporabe dvigal, namenjenih za prevoz oseb in tovora;

4) uporabe dvokoles (koles) brez motorja za potrebe opravljanja zavarovane dejavnosti;

5) skladiščenja goriv, ki se uporabljajo izključno za

opravljanje zavarovane dejavnosti ali poklica;

Extension of cover Article 4


(1) Within the insured source of peril arising from performance of the activities within the insured occupation or activity, the policy also covers the Insured's liability for losses arising from:

1) Use and/or ownership, lease or occupancy of: land, buildings and premises which are solely used for the purpose of performance of the insured activity or profession;

2) Use of the premises intended solely for use by the Insured's employees, e.g.: canteens, bathing facilities, holiday resorts, sports grounds etc.;

3) Use of elevators intended for transportation of persons and cargo;

4) Use of two-wheel vehicles (bicycles) without motors for the purpose of performance of the insured activity;

5) Storage of fuel which is solely used for performance

6) v kolikor je dogovorjena tudi delodajalčeva odgovornost – in tako Zaposleni delavci zavarovanca štejejo za tretje osebe – kraje ali izginitve osebnih predmetov Zaposlenih delavcev zavarovanca, ob pogoju, je bilo premoženje spravljeno v zaklenjene prostore ali shrambe. Zavarovanje ne krije škode zaradi kraje ali izginitve denarja, ur, fotoaparatov / kamer, dragocenosti vseh vrst, vrednostnih papirjev in listin vseh vrst;

7) dejavnosti Zavarovanca kot investitorja in/ali izvajalca gradbenih in montažnih del na objektih iz 1. in 2. točke 1) odst. tega člena, vendar do podlimita v višini 6.500 EUR po škodnem dogodku in v enojnem agregatu dogovorjene zavarovalne vsote;

8) lastništva garaže, ki se nahaja na ali v bližini ali v zavarovani nepremičnini Zavarovanca, razen če gre za garažo, namenjeno za oddajanje v najem ali hotelsko garažo.

of the insured activity or profession;

6) In cases when Employer's Liability coverage is purchased whereby employees of the Insured are considered as a third party, covered are also damages arising from the theft or loss of their personal belongings, provided that those were located in locked rooms or depositories and excluding cash, watches, cameras, all kinds of valuable objects, securities and all kinds of documents;

7) Activities of the Insured in the capacity of an investor and/or contractor under construction contracts or erection works on the objects referred to in items 1 and 2 of this Article up to the sublimit in the amount of EUR 6.500 per insured event, per insured event, but in aggregate up to the sum insured;

8) Ownership of garages which are located on or adjacent to or in the insured property unless it is a garage hired for a fee or a hotel garage.

Zavarovanje pred novimi Nevarnostnimi viri

5. člen


(1) Če je zavarovalna pogodba sklenjena in je premija obračunana v celoti ali delno na osnovi skupnih prihodkov, se kritje zavarovanja razširi tudi na odgovornost iz novo nastalih Nevarnostnih virov, ki se pojavijo pri Zavarovancu po sklenitvi zavarovalne pogodbe, če za novonastali vir nevarnosti ni sklenjeno posebno zavarovanje.


(2) Zavarovalno kritje nastopi v trenutku nastanka novega Nevarnostnega vira. Ob koncu zavarovalnega obdobja je dolžan Zavarovanec prijaviti Zavarovalnici vse nove Nevarnostne vire. Zavarovanec je dolžan za novi Nevarnosti vir poravnati dodatno premijo, in sicer za obdobje od dne, ko se je ta pojavil.


(3) Zavarovalnica ne bo dolžan plačati odškodnine za škodo iz novega Nevarnostnega vira, v kolikor, v skladu s temu Pogoji in Premijskim cenikom, Nevarnostni vir takšne vrste ni predmet zavarovanja.


4) Za nove Nevarnostne vire velja zavarovalna vsota iz Police. Če je v Polici za določene Nevarnostne vire navedenih več različnih zavarovalnih vsot, bo zavarovalna vsota za novo nastale Nevarnostne vire tista, za katero se premija obračuna na podlagi skupnega prihodka iz dejavnosti. Če je po Polici dogovorjenih več različnih zavarovalnih vsot, za katere se premija obračuna na ta način, velja za novonastali Nevarnosti vir najnižja izmed Zavarovalnih vsot, navedenih na Polici.


(5) Zavarovanje odgovornost iz naslova novih Nevarnostnih virov ni podano, če odgovornost izvira iz:

1) lastništva, upravljanja ali uporabe tirov (železnice, vzpenjače, žičnice in podobno), gledališč, kinov, cirkusov, tribun, prireditev in tekmovanja;

2) lastništva, upravljanja ali uporabe kopenskih motornih in drugih vozil na motorni pogon (traktorjev, motokultivatorjev, samohodnih delovnih strojev in drugih vozil), v kolikor gre za vozila, ki jih je mogoče zavarovati v okviru obveznega zavarovanja odgovornosti imetnika takega vozila in je škodni dogodek nastal med delovanjem vozila;

3) lastništva ali uporabe zračnih in vodnih plovil;

4) izdelave, obdelave, namestitve, prevoza, uporabe in trgovanja z eksplozivnim materialom in radioizotopi, če je za to potrebna odobritev

Insurance against new sources of peril Article 5


(1) If the insurance contract is concluded subject to full or partial payment of the insurance premium on the basis of total revenue, the insurance cover shall be extended to cover the liability arising from new sources of peril to which the Insurer is exposed after conclusion of the insurance contract unless a separate insurance has been concluded for the new source of peril.


(2) The insurance commences immediately upon manifestation of a new source of peril. At the end of the insurance period, when final adjustment of the premium is made, the Insured is obliged to notify of all new sources of peril. For new sources of peril, the Insured pays premiums calculated as from the date of their manifestation.


(3) The Insurer shall not be liable for indemnity under the policy in the case that a new source of peril manifests if, under these Terms and Conditions and the Premium Tariff, the Insurer does not provide insurance cover for such source of peril.


(4) The sum insured stated in the Policy shall apply to the new sources of peril. If there are multiple instances of the sum insured for certain sources of peril entered in the Policy, the applicable one is the sum insured for the sources of peril for which the premium is calculated on the basis of total revenue generated from the activities. If there are several different sums insured for which the premium is calculated this way, the lowest sum insured shall apply.


(5) The insurance against new sources of peril shall not apply to the liability arising from:

1) Owning or managing or using tracks (railway, funicular, cable railway etc.), theatres, cinemas, circuses, stands, events and competitions;

2) Owning or operating motor vehicles or other engine- driven vehicles (tractors, motor cultivators, self-propelled work machines and other vehicles) on land in case when these can be covered by a compulsory third party insurance policy or when the losses emerged when the vehicle or work vehicle was used as a vehicle;

3) Owning and using aircraft and watercraft;

4) Manufacturing, processing, accommodation, transportation, use and trading of explosive material and radioisotopes if such activities are subject to approval by

competent authorities.

pristojnega organa.


Zavarovanje odgovornosti za čisto premoženjsko škodo

6. člen


(1) Zavarovanje krije tudi odgovornost za čiste premoženjske škode, tj. škode, ki niso posledica smrti, telesne poškodbe ali okvare zdravja oziroma poškodbe ali uničenja premoženja.


(2) Šteje, da zavarovalni primer nastane, ko, v okviru v Polici opredeljenega Nevarnostnega vira (opravljanja dejavnosti ali v zvezi z imetništvom stvari), Zavarovančeva storitev ali opustitev povzroči čisto premoženjsko škodo.


(3) Z zavarovanjem je zajeta odgovornost za škode, ki jih povzroči ravnanje (storitev ali opustitev) Zavarovanca, storjeno v času trajanja zavarovanja.


(4) Če škoda nastane zaradi storitve ali opustitve Zavarovanca, šteje, da je bilo ravnanje izvedeno takrat, ko je Zavarovanec opustil potrebna ravnanja, ki bi preprečila nastanek škodnega dogodka.


(5) Predmet zavarovalnega kritja so samo tista ravnanja (storitve in opustitve), pri katerih je bilo ravnanje izvedeno na področju veljavnosti zavarovanja in so tudi posledice nastale na področju veljavnosti zavarovanja.


(6) Iz zavarovanja so izključene:

1) škode zaradi prekoračitve predračuna in kredita po kupoprodajnih pogodbah, zaradi nespoštovanja pogodbeno dogovorjenih rokov dostave in garancijskih / jamstvenih obveznosti;

2) škode v zvezi s posredovanjem v denarnih in drugih gospodarskih poslih;

3) škode zaradi primanjkljaja v blagajni, napak pri plačilih ter goljufivih ravnanj delavcev Zavarovanca;

4) škode zaradi nepravilnega kolkovanja in drugih

primanjkljajev v zvezi s tem;

5) škode zaradi spregledanih napak zavarovanca v/pri računih, preračunih ali izračunih / ocenah;

6) škode zaradi izginitve / izgube premoženja;

7) škode, nastale zaradi programske (software) in/ali strojne opreme (hardware);

8) pogodbene kazni in penali;

9) škode zaradi kršitve osebnostnih pravic pravne osebe.

(7) Obveznost zavarovalnice iz naslova čiste premoženjske škode je omejena na podlimit 6.500 EUR po posameznem škodnem dogodku in v enojnem agregatu dogovorjene zavarovalne vsote.

Insurance against liability for pure financial loss Article 6


(1) The insurance cover shall also apply to liability for pure financial losses, i.e. the losses which are neither caused by bodily injury or health deterioration of a person nor damage to or destruction of property.


(2) The loss event is deemed to have occurred when during performance of the activity specified in the Policy or due to possession of a property (source of peril) the Insured does or fails to do something which results in a pure financial loss for a third party.


(3) The insurance covers liability for losses caused by an act (error or omission) committed during the insurance period.


(4) If a loss occurs due to an error or omission, the error or omission is deemed to have been made on the date when the Insured failed to undertake appropriate action to void occurrence of the loss.


(5) The insurance applies to acts committed or failures on the territory specified in the insurance policy, the consequences of which have also occurred on that territory.


(6) The policy excludes:

1) Losses due to exceeded estimates and loans under sale contracts, in particular when those are due to non-compliance with contractual terms of delivery and guaranteed obligations;

2) Losses due to mediation in monetary and other business transactions;

3) Losses caused by deficits in cash registers, mistakes in payments and fraudulent acts committed by the Insured's employees;

4) Losses due to improper affixing of revenue stamps and other related failures;

5) Losses due to failure on the part of the Insured to detect errors in invoices, estimates or drawing scales;

6) Losses due to loss of property;

7) Losses caused by software and/or hardware;

8) Liquidated damages and penalties;

9) Losses due to violation of the right to personality of a legal entity.


(7) The Insurer's liability on the basis of pure financial losses is limited to a sublimit of EUR 6.500 per insured event, but in aggregate up to the sum insured.

Zavarovanje odgovornosti za škode zaradi onesnaženja

okolja/ekološke škode

7. člen


(1) Zavarovalno kritje je podano tudi za škode zaradi smrti in/ali telesnih poškodb, ki so posledica izpuščanja, razprševanja ali druge oblike sproščanja (npr. prelivanje, uhajanje, oddajanje ali izlivanje) dima, meglic, saj, par, kislin, lužnin, strupenih kemikalij, tekočin ali plinov, odpadnih materialov ali drugih dražilcev, onesnaževalcev ali polutantov v/na tla, v ozračje in vode (tekoče in stoječe), če so hkrati izpolnjeni naslednji pogoji:

1. vzrok izpuščanja, razprševanja ali sproščanja ni bil pričakovan s strani Zavarovanca in oseb, zaposlenih pri Zavarovancu, niti ni posledica

Liability insurance for damage caused by environmental pollution Article 7


(1) Insurance also applies to damages due to death and/or bodily injury resulting from the discharge, dispersal or other form of release (e.g. spills, leakage, emitting, spillovers) of smoke, mist, soot, fumes, acids, alkalis, toxic chemicals, liquids or gas, waste materials or other irritants, contaminants or pollutants into the soil or on it, the atmosphere and any water (flowing or standing), under the following conditions:

1. The cause of the discharge, dispersion or other form of release was not expected by the Insured or by the employees of the Insured and it is not a result of their intentions, but it rather emerged suddenly and

accidentally;

njihove namere, temveč je nastal nepričakovano

in nenamerno;

2. vzrok za izpuščanje, razprševanje ali drugo sproščanje je nastal v času trajanja zavarovalne police;

3. telesna poškodba ali smrt je nastopila v roku 72 ur od trenutka, ko se je izpuščanje, razprševanje ali drugo sproščanje začelo.


(2) Šteje, da je vzrok izpuščanja, razprševanja ali drugega sproščanja nastal nepričakovano in nenamerno, če je le-ta odkrit v roku 72 ur od trenutka, ko se je izpuščanje, razprševanje ali drugo sproščanje začelo.


(3) Če se Zavarovanec in Zavarovalnica ne moreta dogovoriti o trenutku prvega pojava izpuščanja, razprševanja ali drugega sproščanja, je dokazno breme o obstoju navedenih pogojev na strani Zavarovanca, in sicer na njegov lastni strošek. Zavarovalnica ima pravico, ne pa tudi dolžnost, da zavrne vsak prijavljen odškodninski zahtevek, dokler ne prejme ustreznega dokazila.


(4) Zavarovalno kritje ni podano za:

1) stroške ugotavljanja, ocenjevanja, spremljanja ali

nadzora onesnaženja ali kontaminacije;

2) stroške odstranjevanja onesnaževalnih ali kontaminirajočih snovi iz premoženja, ki je v lasti ali v zakupu Zavarovanca ali je pod njegovim nadzorom na katerikoli drugi podlagi;

3) odškodninske zahtevke za škodo, povzročeno zaradi zavestne kršitve zakona, odredb, ukazov ali regulativ, naslovljenih Zavarovancu zaradi varstva okolja;

4) odškodninske zahtevke za škodo, povzročeno zaradi zavestnega neupoštevanja smernic proizvajalca ali navodil za uporabo v skladu z najnovejšimi stanjem tehnike, zaradi neizvajanja obveznih rednih nadzorov, pregledov, inšpekcij ali vzdrževanj ali zaradi zavestnega opuščanja nujnih popravil;

5) odškodninske zahtevke za škodo v zvezi z lokacijami ali zemljišči, na katerih se začasno ali stalno izvaja predelava in obdelavo v okviru naslednjih aktivnosti:

− podjetij za predelavo in odstranjevanje odpadkov (npr. odlagališča odpadkov, deponije, sežigalnice odpadkov);

− zbiranje odpadkov, dejavnosti obdelave in odstranjevanje odpadkov; pridobivanje sekundarnih surovin

− transportne cevi in cevovodi;

− rudniki, gramoznice, pridobivanje rud;

− proizvodnja nafte in naravnega plina;

− predelava mineralnega olja;

− zabojniki mineralnega olja, razen če ni drugače dogovorjeno na zavarovalni polici in je plačana dodatna premija;

− bencinske postaje (vključno tudi s postajami

za polnjenje s plinom);

− sanacije okolja in druge dejavnosti upravljanja odpadkov;

− proizvodnja kemikalij in kemijskih izdelkov;

− proizvodnja osnovnih farmacevtskih izdelkov in farmacevtskih pripravkov;

− zbiranje, čiščenje in oskrba z vodo;

− odstranjevanje odpadne vode;

− medicina, zobozdravstvo, farmakologija.

6) odškodninske zahtevke za škode, ki izhajajo iz podzemnih del ali posegov ali poškodb ali izgub


2. The cause of the discharge, dispersion or other form of release occurred during the policy period;

3. The bodily injury or the death occurred within 72 hours from the onset of the discharge, dispersal or other form of release.


(2) The cause of the discharge, dispersion or other form of release shall be deemed sudden and accidental if it is discovered within 72 hours from the onset of the discharge, dispersal or other form of release.


(3) If the Insured and the Insurer cannot reach an agreement on the time of the manifestation of the discharge, dispersion or other form of release, the Insured shall bear the burden of proof of the fulfilment of these conditions, which shall be carried out at the Insured's expense. The Insurer is entitled, but not obliged, to reject each notified insurance claim until he accepts such a proof.


(4) The coverage does not apply to the following:

1) Cost of evaluation, monitoring or supervision of the pollution or contaminants;

2) Cost of removal of pollutants or contaminants on the property owned or leased by the Insured or that is otherwise under his supervision;

3) Claims for damages caused by a deliberate deviation from the law, ordinances or regulations submitted to the insured for the purpose of environmental protection;

4) Claims for damages caused by a deliberate failure to comply with the manufacturer's guidelines and handling instructions in accordance with the latest technical achievements, omission of mandatory regular checks, inspections or maintenance procedures, or when they deliberately failed to ensure that the necessary repairs were in place;

5) Claims for damages concerning sites or land properties on which they are located or which are used for the processing and treatment, temporarily or permanently:

− Companies for processing and disposal of waste substances (e.g. landfills, dumps, waste incinerators)

− Scrap material collection, treatment and waste disposal activities; materials recovery and recycling

− Transport pipes and pipelines

− Mines, gravel pits, mining

− Oil and natural gas production

− Mineral oil processing

− Containers of mineral oil, unless otherwise agreed in the insurance policy and an additional premium is paid

− Gas stations (including LPG stations)

− Environmental restoration and other waste management activities

− Production of chemicals and chemical products

− Manufacture of basic pharmaceutical products and pharmaceutical preparations

− Collection, treatment and water supply

− Sewerage

− Medicine, dentistry, pharmacology


6) Claims for damages arising from damage caused by the underground works or interventions and by damage to or

podzemnih snovi (nafta, plin in podobno);

7) škode, povzročene s kancerogenimi snovmi, snovmi, ki spreminjajo genski material ali ogrožajo reproduktivno sposobnost v skladu z Direktivo Sveta, z dne 27. junija 1967, o približevanju zakonov in drugih predpisov v zvezi z razvrščanjem, pakiranjem in označevanjem nevarnih snovi, št. (67/548/EGS), ter njenih sprememb;

8) odškodninske zahtevke za škode, ki izhajajo iz vseh vrst odgovornosti delodajalca. Izraz

»odgovornost delodajalca« se po definiciji nanaša na naključne telesne poškodbe in telesne poškodbe zaradi poklicnih bolezni, ki izhajajo iz zaposlitve in nastanejo med zaposlitvijo delavca;

9) odškodninske zahtevke zaradi ekoloških škod, tj. za škode, ki imajo za posledico kateri koli vpliv na okolje, posebej pa škode zaradi onesnaževanja (tal, vode in zraka), povzročanje škode rastlinskim in živalskim vrstam in/ali zaščitenim naravnim habitatom. Prav tako, kateri koli stroški, kazni in podobno, ki bi jih zavarovanec imel ali bil dolžan plačati na podlagi naloga oblasti, se štejejo za izključene;

10) odškodninske zahtevke za škode, ki so posledica postopnega onesnaženja ali kontaminacije;

11) odškodninske zahtevke za škodo, ki so nastale

pred začetkom obdobja veljavnosti Police.


(5) Udeležba zavarovanca pri vsakem škodnem dogodku znaša 10 % od zneska škode, vendar ne manj kot 70 EUR po škodnem dogodku, če ni na Polici drugače dogovorjeno.


(6) Obveznost zavarovalnice po posameznem škodnem dogodku in v letnem agregatu je omejena na podlimit, ki je naveden na Polici.


(7) Zavarovanje kritje je podano za zavarovane dogodke, ki se zgodijo na teritoriju kritja, določenem na zavarovalni polici.

loss of underground substances (oil, gas, etc.)

7) Damages caused by carcinogens, mutagens or substances or preparations that are toxic for reproduction as recommended by the Council Directive 67/548/EEC of 27 June 1967 on the approximation of laws, regulations and administrative provisions relating to the classification, packaging and labelling of dangerous substances and their use

8) Claims for damages arising from all types of the employer's liability. The term "employer's liability" is defined as related to accidental bodily injuries and bodily injuries due to an occupational disease that has occurred during the period of employment


9) Claims for damages for environmental damage e.g. losses due to any kind of environmental pollution, and in particular losses due to contamination (of land, water and air), damages to flora and fauna and the protected natural habitats. Furthermore, any costs, fines or penalties that the Insured would be obliged to pay basis order given by authoraties is considered excluded


10) Claims for damages arising out of gradual pollution (or contamination);

11) Claims for damages incurred before the policy period


(5) Unless otherwise agreed in the Policy, a deductible in the amount of 10% of the loss, minimum EUR 70, shall be deducted from each and every loss.


(6) Insurer's liability for each and every loss and in aggregate during period of insurance is limited to agreed sublimit stated in the policy.


(7) The insurance covers the insured events occurred in the territory as agreed in the Policy.

Zavarovanje odgovornosti za škode nastale zaradi izdelkov z napako

8. člen


Zavarovane nevarnosti


(1) Zavarovanje krije škode v primeru, če le-ta nastane zaradi uporabe izdelka z napako, ki ga je proizvedel, prodal ali dobavil Xxxxxxxxxxx ali od njega pooblaščena oseba, in ki ima za posledico smrti, poškodbo telesa ali okvaro zdravja tretjih oseb.


(2) Škoda mora nastati kot posledica napake v materialu, iz katerega je izdelek z napako izdelan, napake pri načrtovanju ali konstrukciji, vgradnji, pri popravilu, skladiščenju, dobavi (tudi napačne dobave), oglaševanju ali svetovanju v zvezi z izdelkom ali pomanjkljivosti zavarovančevih (proizvajalčevih) navodil za pravilno uporabo izdelka.


(3) Za izdelke štejejo premični predmeti ali njihovi deli, ki se obravnavajo kot trgovsko blago, vključno z njihovo dodatno opremo in embalažo.


(4) Zavarovalno kritje se nanaša na vse izdelke z napako, ki jih je Xxxxxxxxxxx izdelal ali dobavil pod svojim imenom in/ali svojo blagovno znamko, v kolikor so navedeni v zavarovalni Polici.

Liability insurance for damages caused by defective products Article 8


Insured Risks


(1) The Insurance Company covers the loss in case of Insured event arising out of products produced, sold or supplied by the insured or any person acting under his authority and which has as a consequence injury, health deterioration or death of a person (bodily injury).


(2) The loss can be result of defect in material, out of which the defective product was made, defect in design or construction, installation, repair, storage, delivery (including faulty delivery), advertising or consulting, or fault in the insured's (manufacturer’s) instructions for correct use of the product.


(3) Products are deemed to be all movable items or parts thereof which are considered as commercial goods, including additional equipment and packaging material.


(4) This insurance coverage applies to all defective products that were delivered (produced or supplied) by the manufacturer under his name and / or trademark, subject to being covered by and named in the insurance policy.


Dobava pomeni dejanska izročitev izdelka tretji osebi, ki jo opravi Xxxxxxxxxxx, ne glede na pravno podlago izročitve. Dobava je izvršena v trenutku, ko Zavarovanec izgubi pravico razpolagati z izdelkom, oziroma vplivati na izdelek ali na njegovo uporabo.


Zavarovalno kritje zajema tudi tiste izdelke z napako, ki jih prodaja izključno Zavarovanec (maloprodaja in veleprodaja), v kolikor so navedeni v zavarovalni Polici.

Samo tisti izdelki, ki so navedeni v Polici, so predmet zavarovalnega kritja.


Če je posebno dogovorjeno, lahko zavarovalno kritje zajema tudi izdelke z napako, ki so izdelani pod tujim imenom in/ali tujo blagovno znamko, v kolikor so navedeni v zavarovalni Polici. Samo tisti izdelki, ki so navedeni v Polici, so predmet zavarovalnega kritja.


(5) Zavarovanje krije tudi škodo, ki jo povzročijo okvare sestavnih delov ali sklopov, ki jih Zavarovanec vgrajuje v svoje izdelek, dobavljajo pa mu jih tretje osebe.


(6) Zavarovanje krije tudi potrebne in razumne stroške Zavarovanca, nastale zaradi sporov in pravnih dejanj zoper Zavarovanca v zvezi z Zavarovalnim primerom (stroški obrambe). Stroški obrambe so kriti samo ob predhodnem dogovoru Zavarovanca in Zavarovalnice. Stroški obrambe so del zavarovalne vsote.


Zavarovani primer in časovna omejitev kritja


(7) Šteje, da je Zavarovalni primer nastal v trenutku nastanka škodnega dogodka, zaradi katerega bi se zoper Zavarovanca lahko uveljavljal odškodninski zahtevek.


(8) V primeru škode zaradi telesnih poškodb ali okvare zdravja, ki se razvijajo/kažejo postopoma, šteje, da je Zavarovalni primer nastal v trenutku, ko je bila telesna poškodba ali okvara zdravja prvič diagnosticirana s strani zdravnika.


(9) Več časovno nepovezanih škodnih dogodkov šteje kot en Zavarovalni primer, v kolikor nastale škode izvirajo iz istega vzroka. Več časovno nepovezanih škodnih dogodkov šteje kot en Zavarovalni primer tudi, če vse škodne dogodke povzroči okvara iz iste serije izdelkov, ki so bili proizvedeni in dani na trg v času trajanja zavarovanja. V takšnem primeru šteje, da je Zavarovalni primer nastal, ko se zgodi prvi škodni dogodek.


(10) To zavarovanje krije samo tiste škode, ki nastanejo zaradi okvare izdelkov, ki jih je Zavarovanec proizvedel ali dal na trg v času neprekinjenega trajanja zavarovanja, sklenjenega pri Zavarovalnici.


(11) Če je to v Polici posebej dogovorjeno in je plačana dodatna premija, krije zavarovanje tudi tiste škode, ki nastanejo zaradi okvare izdelkov, ki jih je Zavarovanec proizvedel ali dal na trg pred začetkom veljavnosti neprekinjenega zavarovanja, sklenjenega pri Zavarovalnici.


(12) Obveznost zavarovalnice za izplačilo odškodnine je podana samo v primeru, če je do škodnega dogodka prišlo v času trajanja zavarovanja in so hkrati podani vsi ostali pogoji iz tega člena. V kolikor je trenutek povzročitve škode nastopil pred začetkom veljavnosti zavarovanja ali v času prekinitve veljavnosti zavarovanja, je obveznosti Zavarovalnice izplačati škodo podana le, če je tako posebej


Delivery means an actual handover of a product to a third party by the Insured regardless of the legal basis. Delivery is deemed to have been completed at the time when the Insured has lost an effective right of disposal or possibility of impact on the product or its use.


Insurance also covers losses out of those defective products that are solely sold by insured (retail and wholesale), subject to be named in the insurance policy. Only products named in the policy will be considered covered.


If especially agreed this insurance coverage can also apply to all defective products that were produced under foreign brand name and / or trademark (lease work), subject to be named in the insurance policy. Only products named in the policy will be considered covered.


(5) The Product Liability Insurance also covers loss caused by any component parts or compound of things inserted into the insured's product which were supplied by third parties.


(6) The insurance covers also the required and reasonable

costs of Insured in relation with any disputes and legal actions of each individual insured event (defence costs). Any of such cost should be beforehand agreed with the Insurer. All costs are are part of sum insured.


Insured event and time limitation


(7) It is considered that the Insured event occurred when a loss event, due to which an indemnity claim against the insured can be filed, occurred.


(8) In the case of losses due to bodily injury or health deterioration which develop gradually, an insured event is deemed to have occurred at the time when such bodily injury or health deterioration is for the first time diagnosed by a physician.


(9) Several time-separated losses shall also be deemed to be a single insured event if the losses are caused by the same cause. Several time-separated losses shall also be deemed to be a single insured event if the losses are caused by the same series of products manufactured and placed on the market during the policy period. An insured event shall be deemed to have occurred on the day of occurrence of the first loss in the series of such losses.


(10) This insurance covers only liability arising out of products produced or sold by Insured during uninterrupted period of insurance with Insurer.


(11) If specifically agreed and an additional insurance premium is paid, the insurance can also cover liability arising out of products produced or sold by Insured prior to the beginning of uninterrupted period of insurance with Insurance Company.


(12) Insurance company is liable only if the loss event occurs during the policy period and under the conditions stated in this article. If the cause of loss dates from time before the uninterrupted insurance period or during interrupted insurance period the insurance covers the loss only in case if this was specifically agreed, additional insurance premium was paid and insured was not aware of the loss.

dogovorjeno v polici in je plačana dodatna zavarovalna premija in Zavarovanec v trenutku sklepanja zavarovanja ni vedel, niti ni mogel ali moral vedeti za škodo.


Geografsko področje kritja


(13) Zavarovanje krije zavarovalne primere, ki se zgodijo na teritoriju kritja, določenem na zavarovalni polici.


(14) Zavarovalno kritje je razširjeno tudi na tiste Zavarovalne primere, ki se zgodijo na geografskem območju Evrope, vendar le pod pogojem, če Zavarovanec in/ali druga oseba, ki deluje v imenu in za račun Zavarovanca, ni vedela niti ni mogla in morala vedeti, da so bili izdelki izvoženi izven teritorija Republike Slovenije.


Izključitve


(15) Zavarovanje v nobenem primeru ne krije škod, povezanih z/s:

1. izdelki letalske, pomorske, ladijske, železniške in/ali katerekoli vrste avtomobilske industrije (pri čemer navedene industrije zajemajo kakršnokoli proizvodnjo katerihkoli zemeljskih ali drugih plovil

/ vozil), v kolikor ni drugače dogovorjeno v polici;

2. pnevmatikami za vozila, letala in druga prometna sredstva;

3. napravami na morju in izdelki, ki se vgrajujejo v le- te;

4. gorivom, nafto in plinom;

5. tobakom in s tobakom povezanimi izdelki;

6. orožjem in deli orožja, strelivom katere koli vrste, eksplozivi, pirotehničnimi sredstvi, varovalkami in naboji;

7. igračami;

8. žičnicami, vzpenjačami, toboganskimi železnicami, dvigali, atrakcijami v zabaviščnih parkih in deli le- teh;

9. farmacevtskimi izdelki in izdelki iz lekarniške dejavnosti, zdravili, cepivi, veterinarskimi produkti in živalsko hrano (hrana za hišne ljubljence ni izključena);

10. snovmi za farmacevtsko in kemično industrijo (vključno a ne omejeno s cepivi, lateksom, silikonom itd.);

11. medicinskimi napravami in inštrumenti, medicinsko

protetiko;

12. kemikalijami in barvili (vključno a ne omejeno s svinčenimi barvami in produkti, ki jih vključujejo);

13. izdelki, primarno namenjenimi za kmetijsko industrijo, kot so umetna gnojila, kemikalije za brizganje, insekticidi, kemikalije za zatiranje škodljivcev, fumiganti, ipd.;

14. alkoholnimi pijačami in energijskimi pijačami;

15. kontracepcijskimi sredstvi, krvnimi produkti ali krvnimi derivati ter vzdrževanjem krvnih bank (popolna izključitev HIV)

(16) Zavarovanje ne krije in Zavarovalnica ne povrne škod

zaradi:

a) uničenja, poškodbe ali izgube premoženja (škoda na premoženju);

b) škode na samem proizvedenem, dobavljenem ali prodanem izdelku z napako (škoda na izdelkih z napako);

c) škode zaradi sprememb na izdelku, ki nastane

zaradi nadaljnje obdelave / predelave izdelka;

d) škode, ki izvira iz izdelka, ki je bil zavarovancu ali proizvajalcu odtujen brez njegove vednosti;

e) škode, ki izvira iz izdelka, ki ga je zavarovanec ali

proizvajalec podaril;


Territorial scope of cover


(13) The insurance covers the insured events occurred in the Republic of Slovenia unless agreed otherwise and stated in the policy.


(14) The insurance coverage is extended to provide protection to the Insured in case the insured event occured in geographical territory of Europe, but only if the Insured or any person acting on his behalf were not aware or could not have been aware of incidental export of the insured products outside the Republic of Slovenia.


Exclusions


(15) Insurance coverage is excluded and by any means will not be afforded for losses arising in connection to:

1. products for aviation, waterway, railway and any kind of auto/moto or any other land vehicle industry, unless otherwise agreed in the insurance policy;

2. tires for vehicles, aircrafts or any other mean of transportation;

3. offshore instalations and products that are installed in offshore instalations;

4. fuel, oil and gas;

5. tobacco and tobacco related products;

6. arms, weapons, ammunition of any kind, explosives, fireworks, fuses and cartridges;

7. toys;

8. cable cars, funiculars, slide rails, elevators, amusement rides in amusement parks and parts thereof;

9. pharmaceuticals, vaccines, veterinarian products and animal feed (whereby pet food is not considered excluded);

10. substances specific to pharmaceutical and chemical industries (including but not limited to vaccines, latex, silicone);

11. medical devices and instruments, medical prosthetics;

12. chemicals and dyes (including but not limited to lead paint or any material containing any proportion of lead paints);

13. products intended primarily for use in agricultural production such as fertilizers, spraying chemicals, insecticides, chemicals for pest control, fumigants;

14. alcoholic beverages, energy drinks;

15. contraceptives, blood or blood derivates and the maintenance of blood bank (total HIV exclusion).


(16) The insurance company does not cover and does not indemnify losses due to:

a) destruction of, damage to or loss of property (property damage);

b) damages on the manufactured, distributed or sold product itself (damage on defective products);

c) any kind of damage to the product resulting from the further processing;

d) product which has been stolen from the insured or the manufacturer without his knowledge;

e) product which has been given a as present by the insured or by the manufacturer;

f) product which was not produced for sale or any other form of distribution for economic purpose nor

f) škode, ki izvira iz izdelka ali stvari, ki je zavarovanec ali proizvajalec ni izdelal za prodajo ali drugo obliko distribucije v ekonomske namene, niti je ni izdelal ali dal v promet v okviru svoje dejavnosti;

g) škode, nastale zavarovancu, ki zaradi pogodbenih obveznosti ali obveznosti iz drugih dogovorov presega odgovornost zavarovanca na podlagi veljavnega prava – npr. jamstvo za dejanske napake v proizvodu ali katere koli garancijske obveznosti zavarovanca;

h) škode zaradi kakršnihkoli kazni in glob

i) škode, povzročene namerno. Šteje, da je škoda povzročena namerno, če zavarovanec ve za pomanjkljivost izdelka / storitve ob dobavi ali proizvodnji izdelka ali izvajanju storitve (namerna škoda);

j) škode, ki so v zvezi z intelektualno lastnino ali kakršnekoli vrste škod, ki izhajajo iz kršitev patentov, avtorskih pravic, pravic industrijske lastnine, tajnosti in zasebnosti, poslovnih skrivnosti, osebnih pravic, kršitev na področju konkurence in oglaševanja;

k) škode zaradi zahtevkov, ki so posledica namernih kršitev zakonskih in drugih javnopravnih določil ter pisnih navodil ali odredb oblastnih organov;

l) škode zaradi napak, ki jih v času izdelave ni bilo mogoče odkriti glede na raven znanstvenega in tehnološkega razvoja;

m) iz naslova odgovornostjo zavarovanca za škode, ki so nastale zaradi pomanjkljivih izdelkov, izdelanih na podlagi licenčnih pogodb, če je zavarovanec licenco dodelil tretji osebi;

n) škode, ki jo povzročijo izdelki, če je zavarovanec ali osebe, ki delujejo v njegovem imenu, ob odpremi na trg vedel za ali bi moral in mogel vedeti za pomanjkljivosti izdelka;

o) škode, ki ne predstavlja poškodovanja oseb ali poškodovanja stvari, npr. zaradi čiste premoženjske škode;

p) zaradi namernega poškodovanja izdelka (namerna kontaminacija izdelkov / "product tempering").

q) stroškov odpoklica izdelka, vračila, popravila ali zamenjave izdelkov Zavarovanca;

r) škoda na premoženju, s katerim je Zavarovančev izdelek mešan, združen, kombiniran; škoda, ki nastane med predelavo ali nadaljnjo obdelavo izdelka z napako z drugimi izdelki; škoda zaradi razstavljanja, popravila, spremembe ali ponovnega sestavljanja zavarovančevih izdelkov z napako; škoda zaradi nezmožnosti uporabe končnega izdelka, ki ga proizvede okvarjena mehanska naprava.


(17) Udeležba Zavarovanca pri vsakem škodnem dogodku znaša 10 % od zneska škode, vendar ne manj kot 500 EUR po škodnem dogodku, če ni na Polici drugače dogovorjeno.


(18) Obveznost Zavarovalnice na škodni dogodek in skupaj med zavarovalnim obdobjem je omejena na dogovorjeni podlimit, določen na Polici.

manufactured or placed on the market in the context of

the insured’s activities;

g) liability of the Insured which arises out of contracts or special agreements and goes beyond Insured's legal liability, i.e. guarantee for the actual defects in a product or any kind of warranty obligations of the insured;

h) to any kind of fines and penalties;

i) damages caused intentionaly. In the case of delivery and manufacture of products, as well as execution of works, the knowledge of defectiveness of products is equivalent to intention (intentional damage);


j) losses in connection to intellectual property or any kind of losses arising out of the violation of patent rights, copyrights, industrial property rights, secrecy and privacy rights, trade secrets, personal rights, violations in the fields of competition and advertising;

k) claims that are a result of a deliberate breach of statutory and official stipulations, as well as written instructions or orders of order-issuing authorities;

l) losses caused by defects which could not have been detected at the time of manufacture given the level of scientific and technological development;

m) liability of the Insured for losses caused by defective products manufactured under licence agreements where the Insured has assigned the licence to a third party;


n) losses caused by the products if at the time of dispatch to the market the Insured or the persons acting on his behalf were aware or should have been aware of the defect of the product;

o) loss which is neither caused by bodily injury or deterioration of health of a person nor damage to or destruction of property, i.e. pure financial loss;

p) losses due to malicious product contamination (product tempering);

q) costs of product recall, return, repair or replacement of the Insured's products;

r) damage to property with which the defective product of insured is mixed, joined, combined; damage that occurs during the processing or further treatment of a defective product with other products; the damage due to disassembly, repair, modification or reassembly of the defective products supplied by the insured; damage due to incapacity to use final product made by defective mechanical device.


(17) Unless otherwise agreed in the Policy, a deductible in the amount of 10% of the loss, minimum EUR 500, shall be deducted from each and every loss.


(18) Insurer's liability for each and every loss and in aggregate during period of insurance is limited to agreed sublimit stated in the policy.

Generalne izključitve iz zavarovanja

9. člen


V nadaljevanju navedene izključitve veljajo za vsa zavarovanja, urejena v teh Pogojih. V kolikor so v posameznih oddelkih (členih) teh Pogojev navedene še

dodaten izključitve, veljajo tiste dodatne, kot tudi (hkrati) v

Exclusions Article 9


This exclusions shell be applicable to all sections of this Terms and Conditions. Is some section of this Terms and Conditions contains specific limitations of the cover, both specific and general exclusion

stated in this article will apply in case of a claim.

tem členu navedene splošne izključitve.


(1) Zavarovanje v nobenem primeru ne krije:

1) škod, nastalih zaradi vojne, agresije ali vojni podobnih dejanj, državljanske vojne, revolucije, vstaje ali nemirov, ki izvirajo iz takšnih dogodkov, nastalih zaradi delovanja min, torpedov, bomb ali drugih vojnih orožji, zasegov, zaplemb, omejitev in zadrževanj ter zaradi posledic teh dogodkov ali poskusov njihove storitve s sabotažo ali terorizmom, povzročenim iz političnih in drugih motivov, detonacij eksploziva, povzročenih s strani oseb, ki delujejo zlonamerno ali iz političnih motivov, državljanskih nemirov, nasilja ali drugih podobnih dogodkov, konfiskacij, rekvizicij ali drugih podobnih ukrepov, ki jih izvaja ali jih namerava izvesti katerakoli oblast ali druga podobna organizacija, ki se bori za oblast ali, ki ima oblast;

2) škod, ki so neposredno ali posredno povzročene z dejanjem terorizma ali s tem povezane. V smislu teh Pogojev pomeni dejanje terorizma katero koli dejanje, vključno z, ampak ne omejeno na, uporabo sile ali nasilja, katere koli osebe ali skupine oseb, ne glede na to, ali le-ta deluje samostojno ali v imenu ali v zvezi s katero koli organizacijo, ki je storjeno iz političnih, verskih, ideoloških ali podobnih razlogov, vključno z namero, da vpliva na katero koli vlado in/ali del javnosti in/ali, da zastraši javnost ali del javnosti. Stroški, ki nastanejo zaradi poskusa, da se teroristično dejanje prepreči, prav tako niso predmet kritja;

3) škod, ki so v neposredni zvezi z uporabo jedrske energije, škode, ki so neposredno ali posredno povezane z visokoenergetskim ionizirajočim sevanjem (na primer alpha, beta in žarki gama, ki se emitirajo z radioaktivnimi substancami in nevtroni ali žarki, ki se proizvajajo v pospeševalnikih delcev, ter laserski in drugi podobni žarki);

4) škod zaradi ionizacijskega sevanja ali radioaktivnega onesnaževanja, od katerega koli fizijskega materiala, jedrskega goriva ali jedrskih odpadkov od izgorevanja jedrskega goriva ali od radioaktivne, toksične, eksplozivne ali druge nevarne lastnosti katerega koli eksplozivnega jedrskega sklopa ali njegove jedrske komponente;

5) škod, ki so na kateri koli način povzročene z azbestom, so posledica azbesta ali so na kateri koli način povezane z materiali, ki vsebujejo azbest v katerem koli razmerju;

6) škod, ki so v zvezi s proizvodnjo, obdelavo in prodajo genetsko spremenjenih izdelkov (GMO);

7) škod zaradi elektromagnetnih sevanj in

elektromagnetnih polj (EMF/EMR);

8) škod, ki so povzročene ali ki izhajajo iz vseh oblik prenosnih spongiformnih encefalopatij (BST/TST/TME);

9) škod zaradi proizvodnje ali dobave kontraceptivov, krvi ali krvnih derivatov ali vzdrževanja krvnih bank (absolutna izključitev HIV-a);

10) škod, ki so na kateri koli način povzročene s svinčenimi barvami, so posledica svinčenih barv ali so na kateri koli način povezane z materiali, ki vsebujejo svinčene barve v katerem koli razmerju;

11) škod, ki izvirajo iz posesti ali uporabe zračnih ali

vodnih plovil;

12) za škod, nastalih v zvezi s posestjo ali uporabo


(1) The insurance does not cover:

1) Losses arising from or out of war, hostilities or warlike events, civil war, revolution, riot, civil commotions arising out of such events, mines, torpedoes, bombs or other weapons of war, capture, seizure, detention or restraint and consequences of such events and attempts thereof, sabotage or terrorism made from political and other motives, detonation of explosives caused by any person acting maliciously or from a political motive, civil commotions, violence or other similar events, confiscations, requisition or other similar measures implemented or intended to be implemented by an authority or organization which has power or is fighting to gain power;


2) losses directly or indirectly related to terrorist activities or have any connection to terrorism. A terrorist act is any act, including but not limited to use of force or violence, by any person or group of people, either carried out individually or in connection to an organization or authority which is deemed to be comitted out of political, religious, ideological ora any other similar reason, including intent to influence to any government and/or public and / or to intiminate public or paer of the public. Costs and damage which arise from prevention or suppression of terrorist acts is also excluded;


3) Liability for losses which are in direct connection with use of nuclear energy, losses which are in direct or indirect connection with high-energy ionising radiation (e.g. alpha, beta and gamma rays which are emitted by radioactive substances and neutrons or rays emitted by particle accelerators, as well as laser and similar rays);


4) Losses arising from or out of ionising radiation or radioactive contamination from any fission material, nuclear fuel or nuclear waste from combustion of nuclear fuel or from radioactive, toxic, explosive or other hazardous properties of any explosive or nuclear assembly or nuclear component thereof;


5) Losses that are in any way caused by asbestos, related to asbestos or any material containing any proportion of asbestos;


6) Losses in connection with production, processing and selling of genetically modified products (GMO);

7) Losses arising from or out of electromagnetic fields and electromagnetic radiation (EMF/EMR);

8) Losses arising from or out of any form of transmissible spongiform encephalopathy (BSE/TSE/TME);


9) Losses arising out of manufacture and supply of contraceptives, blood or blood derivates and the maintenance of blood bank (total HIV exclusion);

10) Losses that are in any way caused by lead paint, related to lead paint or any material containing any proportion of lead paints;


11) Liability for losses arising from or out of ownership or use of waterborne craft and flying devices;

12) Losses arising from or out of ownership or use of tracks, railways, tramways, cable cars and roller coasters;

tirov, železnic, tramvajev, žičnic in toboganskih železnic;

13) škod, nastalih v zvezi z upravljanjem z nasipi, jezovi in predori;

14) škod, nastalih v zvezi z upravljanjem z zračnimi, rečnimi, pomorskimi lukami, ladjedelnicami, marinami;

15) škod v zvezi s proizvodnjo, skladiščenjem, distribucijo in/ali prodajo nafte ali plina;

16) škod, ki jih utrpi Zavarovanec, zakonec Zavarovanca, otroci in druge osebe, ki živijo z njim v skupnem gospodinjstvu in ki jih je dolžan vzdrževati;

17) škod, ki na podlagi pogodbe ali posebnih dogovorov presegajo zakonsko odgovornost Zavarovanca;

18) odgovornost Zavarovanca za namerno povzročeno škodo. Če je škodo namerno povzročil zaposleni Zavarovanca, Zavarovalnica prevzame pravice Zavarovanca do delavca kot odgovorne osebe;

19) škod na stvareh ali izvedenih delih, ki jih je Zavarovanec ali katera druga oseba po njegovem nalogu ali za njegov račun izdelala ali dobavila, če je vzrok škode v izvedbi ali dobavi;

20) škod, nastalih s proizvodnjo, skladiščenjem, transportom, prodajo in uporabo orožja, streliva katere koli vrste, eksplozivov, pirotehničnih sredstev, varovalk in nabojev;

21) škod, ki nastanejo kot posledica zavestnega delovanja, ki je v nasprotju s predpisi ali pravili, po katerih se opravlja dejavnost oziroma poklic kot vir nevarnosti iz police;

22) škod, ki so posledica katerega koli vpliva na okolje, posebej pa škode zaradi onesnaževanja (tal, vode in zraka), povzročanja škode na rastlinskih in živalskih vrstah in/ali zaščitenih naravnih bivališčih, in škode, ki bi nastale zaradi tega, ker Zavarovanec ni vzdrževal, nadomeščal in popravljal naprave za čiščenje odpadnih voda in drugih odpadnih izdelkov, niti ni upošteval drugih ukrepov, predvidenih s predpisi o zaščiti okolja. Za izključitve iz kritja se štejejo škode zaradi nenadnega in nepričakovanega onesnaževanja ter tudi tiste zaradi postopnega onesnaževanja;

23) škod, ki so posledica poklicnih bolezni delavcev

Zavarovanca;

24) škod, ki so posledica poškodb muskulatorno- skeletnega in živčnega sistema, povzročenih s ponavljajočim se gibi, vibracijami, mehanično kompresijo ali kontinuiranim neugodnim položajem, do pojave katerih lahko pride pri delavcih Zavarovanca;

25) odgovornostnih zahtevkov zaradi škod povzročenih zaradi napada, šikaniranja, nadlegovanja, neenakopravnosti ali drugih diskriminacij (»mobbing«);

26) škod pravnih oseb, katerih primarna dejavnost je nanotehnologija;

27) škod, ki izhajajo iz uporabe naprav v otroških igralnicah, na otroških igriščih in v zabaviščnih parkih (s tem, da se ta izključitev ne nanaša na naprave v otroških vrtcih).


(2) Z zavarovanjem niso krite škode, nastale kot posledica:

1) trajnega delovanja temperature, plinov, pare, vlage ali padavin (dima, saj, prahu in podobno), zaradi plesnivosti, potresa, šumov in podobno, kar ima za posledico postopni nastanek škode;


13) Losses arising from or out of management of dykes, dams and tunnels;

14) Losses arising from or out of management of airports, harbours, marinas;

15) Production, storage, distribution and/or sale of oil and natural gas;

16) Losses sustained by the Insured, the Insured's spouse, children and other persons permanently residing with him/her and whom the Insured is obliged to support;

17) Losses which, according to the contract or a special agreement, are exceeding Insured's legal liability;


18) The Insured's liability for losses caused deliberately. If a loss is deliberately caused by an employee of the Insured, the Insurer takes over the rights of the Insured against the employee as a responsible person;

19) Damages to and/or losses related to property or works performed or delivered by the Insured or a third party on the order or for the account of the Insured if the damage and/or loss is caused by the performance or delivery;

20) Losses arising from or out of production, processing, storage, sale, transport or use of arms, weapons, ammunition of any kind, explosives, fireworks, fuses and cartridges;


21) Losses caused due to conciuos acting contrary to the legal regulations which regulate the activity or profession included in the policy as a source of peril;


22) Losses due to any kind of environmental pollution, and in particular losses due to contamination (of land, water and air), damages to flora and fauna and the protected natural habitats, as well as losses caused by the Insured's failure to maintain, replace or repair equipment for treatment of waste water and other waste products or to comply with other measures laid down in the regulations for environmental protection. Both sudden and accidental, as well as gradual pollution are considered excluded;


23) Losses as a consequence of occupational disease of the Insured's employees;

24) For losses resulting from injuries of the musculoskeletal and nervous system caused by repetitive motions, vibration, mechanical compacting or continual body posture, which may occur in the Insured's employees;


25) Claims based on liability for damages due to attacks, bullying, harassment, discrimination, inequality or other ("mobbing");


26) For legal entities whose primary activity is nanotechnology;


27) For damages arising from the use of devices in children's playrooms, children's playgrounds and amusement parks.


(2) The insurance does not cover damages caused by:

1) Permanent effect of temperature, gases, steam, moisture or deposits (smoke, soot, dust etc.), mould, tremors, noises etc. resulting in gradual development of a damage

2) posedanja in drsenja zemljišča ter vibracij, povzročenih z gradbenimi stroji;

3) poplave stoječih, tekočih in podtalnih vod;

4) izkopov, pri katerih je nastala škoda na podzemni infrastrukturi (npr. podzemnimi kabli in podobno), če Zavarovanec pred začetkom del ni pridobil veljavnih načrtov razmestitve obstoječe podzemne infrastrukture in ni po načrtih organiziral izkopov. Dokazno breme v primeru škode zaradi prej navedenih dejanj nosi Zavarovanec;

5) izgube, poškodbe, uničenja, izkrivljenja, brisanja, poškodovanja ali spremembe elektronskih podatkov katere koli vrste, iz katerega koli razloga (vključno z vendar ne omejeno na računalniški virus, kot so npr. »Trojanski konj«,

»črvi« in »časovne ali logične bombe«) ali izgubo uporabe, zmanjšanje funkcionalnosti, strošek katere koli narave, ki izhaja iz navedenega, ne glede na kateri koli drugi vzrok ali dogodek, ki prispeva hkrati ali v katerem koli drugem vidiku izgube.


(3) Če v Polici ni drugače dogovorjeno in za to ni plačana dodatna premija, se zavarovanje ne nanaša na odgovornost za:

1) škode zaradi sodelovanja na konjskih, kolesarskih, motociklističnih in avtomobilskih dirkah, boksarskih in drugih borilnih športih in sodelovanja v pripravah na le-te;

2) škode na stvareh last tretjih oseb, ki jih je Xxxxxxxxxxx najel, vzel v zakup (vključno z leasingom), vzel v uporabo, izposojo ali v varovanje, tudi če so te stvari vzete v varovanje, skrb in nadzor kot dopolnilna dejavnost;

3) škode na stvareh, na katerih se neposredno opravlja obdelava, oziroma so predmet obdelave (stvari v delu);

4) škode na stvareh v lasti tretjih oseb, povzročene pri opravljanju zavarovane dejavnosti (poklica) na teh stvareh ali s temi stvarmi (npr. obdelava, popravila, prevoz, preskus, poškodovanje živali v procesu zdravljenja, kastriranja, narkozo, umetnim osemenjevanjem in podobno), razen če je škoda nastala zaradi dogodka, ki ni v neposredni povezavi s poklicnimi napakami Zavarovanca;

5) škode, ki jih povzroči divjad na kmetijskih kulturah;

6) škode med so zavarovanci iste zavarovalne pogodbe (navzkrižna odgovornost).


(4) Z zavarovanjem po teh pogojih niso krite škode, ki izvirajo:

1) iz odgovornosti zaradi škod iz naslova lastništva, upravljanja ali uporabe motornih in drugih vozil na motorni pogon (traktorjev, motokultivatorjev, samohodnih delovnih strojev in drugih vozil), v kolikor gre za vozila, ki jih je mogoče zavarovati v okviru obveznega zavarovanja odgovornosti imetnika motornega vozila in je škodni dogodek nastal med delovanjem vozila

2) iz odškodninskih zahtevkov, uperjenih zoper direktorje in člane uprave;

3) iz odškodninskih (regresnih) zahtevkov Zavoda za zdravstveno, pokojninsko in invalidsko zavarovanje ter zavarovalnic za zdravstveno zavarovanje;

4) ki jih utrpijo Zaposleni delavci zavarovanca pri delu ali v zvezi z delom; vključno z zahtevki v

and/or loss;


2) Subsidence and landslide as well as vibrations caused by construction machinery;

3) Flooding of stagnant, running and ground waters;

4) Excavation whereby underground infrastructure has been damaged (e.g. damage to underground cables, etc.) if the insured has not obtained a valid plan of existing underground infrastructure deployment prior to commencement of the excavation works and has organized the excavation works accordingly;


5) loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data of any kind from any cause whatsoever (including but not limited to computer virus includes but is not limited to ‘Trojan Horses’, ‘worms’ and ‘time or logic bombs’) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any other cause or event contributing concurrently or in any other sequence to the loss.


(3) Unless agreed otherwise in the insurance policy and an additional premium is paid, the insurance does not apply to liabilities for:

1) Losses due to participation in horse, bicycle, motorcycle and car races, boxing and wrestling matches and preparations therefor;


2) Loss of or damage to property of third parties hired, rented (including leasing), took for use, borrowed, received for safekeeping, and storage, even if the items were received for safekeeping as a secondary activity;

3) Damage to those parts of the property on which the processing is directly performed or which are subject to direct treatment (property worked upon);

4) Damages to and/or losses of property belonging to third parties caused during performance of the insured occupation (profession) on such or with such property (e.g. processing, repairs, transportation, testing, injury of animals during medical treatment, castration, gas treatment, artificial insemination etc.), unless the damage and/or loss has occurred due to an event which is not in direct connection with professional failures on the part of the Insured;

5) Losses caused by wild animals to the crops;

6) Losses between those parties insured by the same insurance contract (cross liability)


(4) The insurance under these Terms and Conditions excludes the losses arising from:

1) Liability arising from losses caused by owning or operating motor vehicles or other engine-driven vehicles (self-propelled work machines, work vehicles and other) on land in the case when these can be covered by a compulsory third party insurance policy or when the losses emerged when the vehicle or work vehicle was used as a vehicle;

2) From the damage claims filed against the board members and directors;

3) Compensation (reimbursement) claims by the health, pension and disability insurance, and by insurance companies for health insurance;

4) Losses sustained by the employees during the work in connection to work including any claims in connection to workmen’s compensation schemes or similar;


5) North American operations. This exclusion excludes

povezavi s povračilom socialnih prispevkov, dajatev in podobno, ki jih je zakonsko dolžan plačati delodajalec;

5) iz severnoameriških operacij. Ta izključitev velja za vse odškodninske zahtevke, ki izhajajo iz delovanja (kot opredeljeno v nadaljevanju) na teritoriju ZDA in/ali Kanade. Zavarovalnica ne krije in ne izplača škode Zavarovanca, ki je rezident Združenih držav Amerike in/ali Kanade. Pri delovanju je potrebno upoštevati kakršno koli pravno ali fizično prisotnost Zavarovanca v ZDA in / ali Kanadi (ne glede če je tam ustanovljena ali ne). Fizična prisotnost Zavarovančevega izdelka v ZDA in/ali Kanadi se šteje kot delovanje, ne glede na to, da je bil izdelek proizveden in/ali dobavljen s strani Zavarovanca izven ZDA in/ali Kanade;

6) sodne odločbe ali poravnave, izrečena/sklenjene na podlagi zakonodaje ZDA in/ali Kanade (vključno z njihovimi ozemlji) ali katerekoli odredbe kjerkoli na svetu, da v celoti ali delno izvrši takšno sodno odločbo ali poravnavo;

7) kaznovalne in/ali vzorčne odškodnine in/ali podobne dodatne odškodnine, ki rezultirajo v povišanju kompenzacijskih odškodnin proti Zavarovancu.

all claims arising out of operations (as herein defined) located in the USA and/or Canada. The Insurer does not cover and does not indemnify losses of the insured who is legally or territorially based in the United States of America and /or Canada. Under operations shell be considered any legal or physical presence of the Insured in the USA and/or Canada (whether incorporated or not). The physical presence of the Insured's product in the USA and/or Canada shell be considered as operation regardless of the fact that the product was manifactured and/or supplied by the insured outside USA and/or Canada;

6) any judgement award or settlement made within the legal jurisdiction of the USA and /or Canada (including their respective territories) or to any order made anywhere in the world to enforce such judgement award or settlement in whole or in part;

7) punitive and / or egzamplary damages and / or aggravated damages and / or any additional damages resulting from the multiplication of compensatory damages against an insured.

Teritorij zavarovalnega kritja

10. člen


(1) Zavarovanje krije Zavarovalne primere, ki se zgodijo na teritoriju Evropske Unije. Zavarovalni primeri, ki se zgodijo v drugih državah, so predmet zavarovanja samo, če je tako posebej

dogovorjeno ali če je kritje takšnih dogodkov določeno s posebnimi določbami zavarovalnih pogojev ali pogodbe.


(2) Zavarovanje odgovornosti za čiste premoženjske škode je krito le na ozemlju Republike Slovenije.

Territorial scope Article 10


(1) The insurance covers insured events occurred in the European Union, while insured events occurred in other countries are covered only subject to special agreement or if coverage of such losses is provided for by special provisions.


(2) Liability for pure financial losses is covered in the Republic of Slovenia, only.

Čas veljavnosti zavarovanja

11. člen


(1) Zavarovalnica je dolžna izplačati odškodnino le, če Zavarovalni primer nastane tekom veljavnosti zavarovalne pogodbe.


(2) V kolikor Zavarovalni primer nastane tekom veljavnosti zavarovalne pogodbe zaradi vzroka, ki je nastal že pred veljavnostjo zavarovalne pogodbe ali v času prekinitve zavarovanja, je takšen Zavarovalni primer krit z zavarovanjem le, v kolikor ob sklenitvi oz. podaljšanju zavarovalne pogodbe Zavarovalcu in Zavarovancu obstoj vzroka za Zavarovalni primer ni bil znan niti jima ni mogel biti znan.


(3) V primeru škode zaradi telesnih poškodb ali okvare zdravja, ki se razvijajo/kažejo postopoma, šteje, da je Zavarovalni primer nastal v trenutku, ko je bila telesna poškodba ali okvara zdravja prvič diagnosticirana s strani zdravnika.

Period of validity of the policy Article 11


(1) The Insurer is liable for payment of indemnity only if the insured event occurs during the policy period.


(2) The insured event which occurred during the policy period due to a cause dating from the time preceding the conclusion of the insurance contract or at the time of break of the insurance contract is covered by the policy only if prior to the inception or renewal of the policy the Policyholder or the Insured were not or could not have been aware of the cause of the insured event.


(3) In the case of losses due to bodily injury or health deterioration which develop gradually, an insured event is deemed to have occurred at the time when such bodily injury or health deterioration is for the first time diagnosed by a physician.

Zavarovalna vsota

12. člen


(1) Zavarovalna vsota, zmanjšana za dogovorjeno odbitno franšizo, predstavlja največji znesek obveznosti Zavarovalnice po posameznem Zavarovalnem primeru, tudi tedaj, če je za eno škodo odgovornih več oseb, zavarovanih s tem zavarovanjem.

The sum insured Article 12


(1) The sum insured less agreed deductible is the upper limit of the Insurer's liability per an insured event, even when several persons whose liability is covered by this insurance are liable for the loss.



Zavarovalna premija

13. člen


(1) Premija, določena v Polici, šteje za minimalno in je

depozitna za obdobje zavarovanja.


(2) Minimalna in depozitna premija se obračuna v znesku, ki

je naveden v polici.


(3) Če je bila Polica sklenjena z določilom, da se višina premije delno ali v celoti določi glede na višino skupnega prihodka Zavarovanca in / ali števila zaposlenih, ima Zavarovalnica pravico opraviti končni obračun premije po preteku zavarovalnega obdobja, navedenega v Polici. Zavarovalnica bo izračunala znesek končne premije na podlagi skupnega prihodka Zavarovanca in / ali števila zaposlenih ob izteku obdobja zavarovanja, ki je naveden v Polici. Znesek, izračunan na podlagi dejanskih podatkov, ne more biti manjši od minimalnega zneska premije in zneska depozitne premije, ki je določena v Polici. Znesek letne premije, vključno s končno prilagoditvijo, ne more biti manjši od minimalnega zneska premije in zneska depozitne premije.

Insurance premium Article 13


(1) The premium specified in the Policy is considered to be the minimum and the deposit premium for the policy period.


(2) The minimum and the deposit premium are charged in the amount specified in the Policy.


(3) Where the Policy was concluded on the provision of insurance premium payment depending in full or in part on the Insured's total revenues and/or number of employees, the Insurer is entitled to the final adjustment of the premium upon expiry of the insurance period stated in the Policy (Proposal). The Insurer shall calculate the amount of the final adjustment of the premium on the basis of the Insured's total revenues and/or number of employees upon expiry of the insurance period stated in the Policy (Proposal). The amount calculated on the basis of actual data may not be less than the amount of the minimum and the deposit premium specified in the Policy (Proposal). The amount of the annual premium, including the final adjustment, must never be lower than the minimum and the deposit premium.


Obveznosti Zavarovanca po nastanku zavarovalnega primera

14. člen


(1) Zavarovanec je dolžan obvestiti Zavarovalnico o nastanku Zavarovalnega primera in o vloženem odškodninskem zahtevku za nadomestilo škode najpozneje v roku treh dni od seznanitve.


(2) Zavarovanec je dolžan obvestiti Zavarovalnico tudi tedaj, ko je zahtevek zoper njega vložen na sodišču, če je zanj odrejen pripor in tedaj, ko se začne postopek za zavarovanje / predložitev dokazov.


(3) V kolikor je zoper Zavarovanca uvedena kazenska preiskava, ali je zoper njega vložena obtožnica ali izdana odločba v kazenskem postopku, je Zavarovanec o tem dolžan nemudoma obvestiti Zavarovalnico, tudi če je predhodno že prijavil nastanek škodnega dogodka. Prav tako je dolžan dostaviti izvod poročila pristojnega oblastnega organa v zvezi z nastalim škodnim dogodkom.


(4) Če je z zavarovanjem krita škoda, nastala zaradi kraje premoženja, je Zavarovanec dolžan krajo brez odlašanja prijaviti policiji.


(5) Zavarovanec ne sme, brez predhodnega soglasja Zavarovalnice, podajati kakršnihkoli izjav glede prejetih odškodninskih zahtevkov, še posebej ne sme zahtevkov delno ali v celoti pripoznati, skleniti poravnave ali izvesti plačila na podlagi podanih zahtevkov, razen v primeru, če okoliščine primera jasno kažejo, da bi bila zavrnitev pripoznave, poravnave ali izplačila nepravična. Če Zavarovanec zmotno meni, da je njegova odgovornost podana ali da so ugotovljena dejstva resnična, to ni opravičljiv razlog za ravnanje v nasprotju s tem členom.


(6) Če oškodovanec zoper Zavarovanca vloži tožbo za nadomestilo škode, je Zavarovanec dolžan Zavarovalnici nemudoma dostaviti sodni poziv in tožbo z vsemi prilogami ter celotno dokumentacijo, povezano s škodnim dogodkom in zahtevkom za nadomestilo škode, da lahko Zavarovalnica


Duties of the Insured upon occurrence of an insured event Article 14


(1) The Insured is obliged to notify the occurrence of the insured event to the Insurer and submit the claim within three days of the date of their gaining knowledge thereof.


(2) The Insured is obliged to notify the Insurer even when the claim against him/her is lodged at court, when the Insured is taken into custody and when proceedings for submission of evidence are initiated.


(3) In the case when an investigation has been carried out or an indictment issued or a decision on criminal proceedings rendered, the Insured is obliged to immediately notify the Insurer thereof, even in the case when he has already notified the occurrence of the insured event. He is also obliged to submit the report on the insured event prepared by the competent authority.


(4) If the policy covers the loss caused by theft of property, the Insured is obliged to immediately notify the theft to the police.


(5) The Insured is not authorised, without prior consent of the Insurer, to make any statements in respect of the claim, and in particular to admit it either in whole or in part, make settlement or payment of the claim unless the facts implicate that the refusal to admit, settle or pay the claim would be an obvious injustice. In the case when the Insured mistakenly believes that his liability exists or that the established facts are true, this does not excuse him/her.


(6) If the injured and or demaged party submits a claim against the insured, the insured is obliged to submit to the insurer a court call

and claim request with all the corrensponding documentation as well as all documentation relating to the harmful event in order for

sprejme odločitev, ali bo v sodnem postopku prijavila svojo udeležbo na strani Zavarovanca.


(7) Če zavarovanec nasprotuje predlogu Zavarovalnice za sklenitev poravnave glede zahtevka, Zavarovalnica ni dolžna plačati presežka nadomestila, obresti in stroškov, ki so zaradi tega nastali.


(8) Če oškodovanec zahtevkom za nadomestilo škode naslovi neposredno na Zavarovalnico, je Zavarovanec dolžan Zavarovalnici zagotoviti vse dokaze in podatke, s katerimi razpolaga in so nujni za ugotavljanje odgovornosti za škodo in za oceno utemeljenosti zahtevka ter obsega in višine nastale škode.


(9) Če zaradi spremenjenih okoliščin Zavarovanec pridobi nova dejstva, na podlagi katerih obstaja možnost razveljavitve ali zmanjšanja izplačil oškodovancu, je o tem dolžan obvestiti Zavarovalnico.


(10) Če Zavarovanec ne ravna v skladu z določbami iz tega člena, ga bremenijo vsakršne škodljive posledice / stroški, ki bi lahko nastale zaradi takšnega ravnanja, razen če bi do takšnih posledic prišlo tudi, če bi Zavarovanec obveznosti v celoti spoštoval.

the insurer to decide whether to participate in the claim procedure on the side of the insured as an interviening party.


(7) If the Insured refuses to consent to any settlement recommended by the Insurer, then the Insurer shall not be liable for any amount in excess of the indemnity or interest or costs incurred because of such refusal.


(8) If the claimant claims directly from the Insurer, the Insured is obliged to provide the Insurer with all proof and information he has at his disposal and which are necessary for establishment of the liability for the damage which has been done and for assessment of the validity of the claim, scope and level of indemnity.


(9) If, due to changed circumstances, the Insured gains knowledge of facts which might contribute to reduction in or cancellation of the annuity payable to the claimant, the Insured is obliged to notify the Insurer thereof.


(10) If the Insured does not comply with the duties set forth in this Article, he will bear any adverse consequences which may result from such non-compliance unless this would lead to such consequences even if he had complied with the duties.

Obveznosti Zavarovalnice po prejemu zahtevka

15. člen


(1) V primeru vložitve odškodninskega zahtevka je dolžna

Zavarovalnica:

1) skupaj z Zavarovancem poskrbeti za obrambo Zavarovalca pred neutemeljenimi ali pretiranimi odškodninskimi zahtevki (pravno varstvo – 16. člen)

2) ugoditi utemeljenim zahtevkom za nadomestilo

škode (nadomestilo škode – 17. in 18. člen)

3) nadomestiti stroške sodnega postopka (nadomestilo stroškov postopka – 19. člen)

Insurer's duties upon submission of the claim by the claimant Article 15


(1) The following are the duties of the Insurer in respect of the claim submitted by the claimant:

1) Conduct together with the Insured the defence against invalid or excessive claims (Legal protection - Article 16);

2) Comply with the justified damage claims (Payment of Indemnity - Articles 17 and 18);

3) Compensate the costs of legal proceedings (Compensation of the Costs of Legal Proceedings - Article 19).

Pravno varstvo

16. člen


(1) Obveznost Zavarovalnice iz naslova Pravnega varstva zajema:

1) Raziskati odgovornosti Zavarovanca za nastalo

škodo;

2) Voditi spor v imenu Zavarovanca, če oškodovanec vloži tožbeni zahtevek neposredno zoper Zavarovalnico;

3) Podati vse izjave, ki jih šteje za potrebne za zagotovitev obrambe pred neutemeljenimi ali pretiranimi zahtevki.


(2) Zavarovalnica lahko v pravdi sodeluje v vlogi stranskega intervenienta.

Legal protection Article 16


(1) The Insurer's duty to provide legal protection includes:

1) Investigation of the Insured's liability for the sustained loss;

2) Conduct of legal proceedings on behalf of the Insured in the case when the claimant exercises his right to indemnity in a lawsuit conducted against the Insurer directly;

3) Making statements which the Insurer deems useful in order to meet or defend against any invalid or excessive claim.


(2) The Insurer may participate in a lawsuit in the capacity of a party interested in the outcome of the lawsuit.

Nadomestilo škode

17. člen


(1) Po nastanku Zavarovalnega primera je dolžna Zavarovalnica izplačati odškodnino, kakor določeno v zavarovalni pogodbi, v dogovorjenem roku, ki ne sme biti daljši od štirinajst (14) dni od dne, ko je prejela obvestilo, da je Zavarovalni primer nastal.

Payment of indemnity Article 17


(1) Upon the occurrence of the insured event, the Insurer must pay the indemnity amount as stipulated by the contact within the agreed period, which may not be longer than fourteen days from the moment of notification of the onset of the insured event.


(2) Contrary to the above, if a certain period is required for the


(2) V kolikor je zaradi ugotovitve vseh dejstev, pomembnih za presojo obstoja obveznosti Zavarovalnice izplačati zahtevani znesek, potreben določen čas, je dolžna Zavarovalnica izplačati odškodnino v roku 14 dni od dne, ko sta ugotovljena obstoj in višina njene obveznosti.


(3) Če višina obveznosti Zavarovalnice ni ugotovljen v rokih, določenih v 1. in 2. odstavku tega člena, je Zavarovalnica dolžna brez odlašanja izplačati znesek nespornega dela svoje obveznosti kot predujem.

Insurer to establish the facts required to ascertain if the obligation to pay the indemnity exists, the Insurer shall pay the indemnity amount as agreed within thirty days after he received the indemnity claim or shall inform the claimant that the claim is not justified.


(3) If the amount of the Insurer's liability cannot be determined within the time limits specified in paragraphs 1 and 2 of this Article, the Insurer shall promptly pay the undisputed part of his liabilities as an advance payment.

18. člen


(1) Zavarovalnica izplača odškodnino na podlagi:

1) ugotovitve, ki jo je izdala ali odobrila,

2) poravnave, ki jo je sklenila ali odobrila,

3) sodne odločbe, vendar pa največ do zneska

obveznosti iz zavarovalne pogodbe.


(2) Zavarovalnica sme položiti kot odškodnino celotno zavarovalno vsoto, zmanjšano za znesek dogovorjene odbitne franšize. V takem primeru se razbremeni vseh obveznosti in postopkov v zvezi z zavarovalnim primerom.


(3) Zavarovalnica bo prispevala k položitvi depozita, ki služi kot jamstvo za odškodnino, ki bi jo bil Zavarovanec dolžan deponirati na podlagi zakonskih predpisov ali sodne odločbe, vendar največ do zneska višine njene obveznosti za nadomestilo škode.


(4) Če je Xxxxxxxxxxx odgovoren za izplačilo odškodnine v obliki rente, kapitalizirana vrednost rente pa presega zavarovalno vsoto, zmanjšano za znesek dogovorjene franšize, ali preostanek zneska po odbitku drugih dajatev Zavarovalnice v zvezi s tem Zavarovalnim primerom, se bo renta izplačala le v sorazmerju med zavarovalno vsoto oziroma ostankom zavarovalne vsote in kapitalizirano vrednostjo rente. Kapitalizirana vrednost rente za izračun razmerja se računa na podlagi tabel smrtnosti za življenjsko zavarovanje v Republiki Sloveniji.


(5) Če se zavarovalnica upira predlogu zavarovanca, da se o zahtevku za nadomestilo škode poravna, je dolžna plačati nadomestilo, obresti in stroške, ki zaradi tega nastanejo, tudi tedaj, ko presegajo zavarovalno vsoto.

Article 18


(1) The Insurer shall pay the indemnity on the basis of:

1. Acknowledgement he has made or approved of;

2. Settlement he has made or approved of;

3. Court ruling, but up to and not exceeding the level of his liability under the insurance contract.


(2) The Insurer is authorised to deposit as indemnity the sum insured less agreed deductible in which case he is released from all obligations and procedures in respect of the insured event.


(3) The Insurer shall take part in contributing a deposit serving as a security for the indemnity, which the Insured would be obliged to deposit according to legal regulations or a court ruling, but only up to the level of his liability for the payment of indemnity.


(4) In the case when the Insured is liable for the payment of indemnity in the form of annuity, and the paid-up value of the annuity exceeds the sum insured after subtraction of any agreed deductibles, or the balance after deduction of other contributions or charges in respect of this insured event, the annuity due will only be compensated in the ratio of either the sum insured or the balance against the paid-up value of the annuity. For the purpose of calculation of the ratio, the paid-up value of annuity shall be calculated on the basis of the life assurance mortality tables used in the Republic of Slovenia.


(5) If the Insurer objects to the proposal of the Insured to make an out-of-court settlement, he is liable for the payment of the indemnity, interest and expenses even when these exceed the sum insured.

Nadomestilo stroškov postopka

19. člen


(1) Zavarovalnica poravna vse stroške pravdnega postopka, neodvisno od tega, ali Zavarovalnica vodi spor ali oškodovanec uveljavlja svojo pravico do nadomestila škode v sodnem postopku neposredno zoper Zavarovanca, če stroški skupaj z nadomestilom škode (in pripadajočimi obresti) ne presegajo zavarovalne vsote.


(2) Stroškov kazenskega postopka in tudi stroškov zastopanja v izven pravdnem postopku Zavarovalnica ne nadomesti.


(3) Z izplačilom dogovorjene odškodnine je Zavarovalnica oproščena nadaljnjih dajatev iz naslova odškodnin in stroškov po zavarovalnem primeru.

Compensation of the costs of legal proceeding Article 19


(1) The Insurer shall compensate all costs of legal proceedings regardless of whether the Insurer conducts the legal proceedings on his own or the claimant chose to exercise his right to indemnity in court proceedings against the Insured, provided that all the costs and the Indemnity amount (and the accrued interests) do not exceed the sum insured.


(2) The Insurer shall not compensate the costs of criminal proceedings and advocacy of the claimant.


(3) When the Insurer pays out the indemnity and thereby fulfils his obligation under the insurance contract, the Insurer shall be released from further payments in respect of the indemnity and costs per one insured event.

Neposredni zahtevek oškodovanca

20. člen

Direct claim by the claimant

Article 20


(1) Če oškodovanec odškodninski zahtevek ali tožbo za nadomestilo škode vloži samo zoper Zavarovalnico, bo Zavarovalnica o tem obveščala Zavarovanca in ga pozvala, da ji posreduje vse potrebne podatke in postopa v smislu 8. odstavka 14. člena teh Pogojev ter da sprejme vse ustrezne ukrepe za zaščito svojih interesov.


(2) Če se v primeru iz predhodnega odstavka Zavarovalnica odloči popolnoma ali deloma izplačati odškodnino, je o tem dolžna obvestiti Zavarovanca.


(3) Oškodovanec lahko zahteva nadomestilo škode, za katero odgovarja Zavarovanec, neposredno od Zavarovalnice, vendar največ do zneska obveznosti Zavarovalnice.


(1) If the claimant lodges the claim or files a lawsuit for compensation of the loss against the Insurer only, the Insurer shall inform the Insured thereof and request from him to provide all necessary information and proceed in accordance with Article 14, paragraph 8 of these Terms and Conditions and to take any measure necessary for the protection of his interests.


(2) If in the case referred to in paragraph 1 above the Insurer decides to pay out the indemnity to the claimant in full or in part, he must inform the Insured thereof.


(3) The claimant may submit a claim for compensation of the loss for which the Insured is responsible directly to the Insurer, however, only up to the level of the Insurer's liability.

III. POSEBNE DOLOČBE


Nevarnostni viri, izključeni pri določenih poklicih / dejavnostih:


Uporaba posebnih določb

21. člen


(1) Poleg splošnih določb teh Pogojev se glede obsega kritja zavarovanja odgovornosti za nekatere Nevarnostne vire uporabljajo tudi te posebne določbe. V primeru nasprotij med splošnimi in posebnimi določbami se uporabljajo posebne določbe.

III SPECIAL PROVISIONS


Sources of peril excluded in certain professions / activities:


Application of special provisions Article 21


(1) In addition to the basic provisions of these Terms and Conditions, the insurance of liability arising from or out of certain sources of peril, is also subject - as regards the scope of cover - to the special provisions of these Terms and Conditions. In the case of conflict between basic and special provisions, the special provisions shall prevail.

Odvetniška, notarska in revizorska dejavnost

22. člen


(1) Zavarovanje ne krije odgovornosti iz naslova opravljanja zgoraj naštetih dejavnosti. Odgovornost iz opravljanja zgoraj naštetih dejavnosti se zavaruje v okviru obveznega zavarovanja v skladu z veljavnim zakonom (po posebnih splošnih pogojih).

The profession of lawyers, notaries public and auditors Article 22


(1) The insurance does not cover the Insured's claims arising from or out of conduct of the abovementioned professions which are covered by compulsory insurances in accordance with valid legislation (and in accordance with special insurance terms and conditions).

Vzdrževanje in popravilo motornih vozil, motociklov in njihovih delov

23. člen


(1) Zavarovanje ne krije škod, nastalih v zvezi z vzdrževanjem ali popravili motornih vozil, motociklov in njihovih delov ter škode zaradi kraje ali izgube vozila in njihovih delov ali vloma v vozila.

Maintenance and repair of motor vehicles, motorcycles and their parts


Article 23


(1) The insurance does not cover claims arising from maintenance or repair of motor vehicles, motorcycles and their parts, theft or loss of vehicles and their parts, and burglary.

Medicinska dejavnost

24. člen


(1) Izključeno je zavarovanje poklicne odgovornosti Zavarovanca iz naslova zdravniške in zobozdravniške dejavnosti, dejavnosti zdravstvenega osebja in lekarniške dejavnosti.


(2) Zavarovanje ne krije škod iz naslova odgovornosti Zavarovanca za poškodbe, uničenje ali krajo osebnih predmetov in dragocenosti bolnikov in njihovih spremljevalcev, če osebni predmeti in dragocenosti niso predani/e v hrambo Zavarovanca ter spravljeni/e v ustrezne zaklenjenih prostore (blagajne, omare, trezorji in podobno).

Human medical practice Article 24


(1) The insurance excludes professional indemnity of the Insured's physicians, dentists and medical staff, as well as pharmacists.


(2) The insurance does not cover claims arising from the Insured's liability for damage, destruction or theft of personal effects and valuable objects of patients and persons accompanying them if these personal effects and valuable objects are not placed in custody of the Insured and deposited in appropriate locked depositories (safe deposit boxes, cabinets, vaults etc.).

Distribucija električne energije

25. člen


(1) Zavarovanje ne krije odgovornosti Zavarovanca za

škode, ki jih utrpijo potrošniki kot odjemalci električne

energije zaradi sprememb nazivne napetosti ali frekvence

Distribution of electricity Article 25


(1) The insurance does not cover the Insured's liability for losses sustained by consumers of electricity due to unauthorised deviation

from nominal voltage or frequency, discontinuance of and

ter zaradi ustavitve ali prekinitve dobave električne energije.

interruption in supply of electricity.

Rekreacijske, kulturne in športne dejavnosti ter dejavnosti članskih organizacij

26. člen


(1) Zavarovanje ne krije odgovornosti Zavarovanca za

škode, ki nastanejo:

1) pri rekreacijskem streljanju izven urejenih strelišč;

2) zaradi poškodb, uničenja ali izgube ali kraje plovila (čoln, jadrnica in podobno), ki jih Zavarovanec ni prevzel v varstvo s stalnim fizičnim varovanjem;

3) škode, nastale na motorjih plovil, če niso fiksno pritrjeni na plovilo oziroma ponoči shranjeni v zaprti shrambi;

4) zaradi kraje ali izginitvijo denarja, vrednostnih papirjev, dragocenosti, ur in dokumentov vseh vrst, če ni zagotovljena stalna varnostna služba v prostorih garderob, kopališč, muzejev, športnih društev in podobno.

Recreational, cultural and sports activities and activities of membership organisations

Article 26


(1) The insurance does not cover the Insured's liability for:

1) Losses sustained outside the designated shooting ranges in the case of shooting activities;

2) Damage, destruction, loss and theft of watercraft (boats, sailing boats etc.) which have not been taken over by the Insured for safekeeping subject to presence of a round- the-clock guard;

3) Damages to motors of boats unless these are fixed to the boats or placed in a closed storeroom during the night;

4) Theft or loss of cash, securities, valuable objects, watches and documents of all kinds unless there are round-the- clock guards in locker rooms, bathing resorts, museums, sports associations etc.

Dejavnost javne uprave in obrambe

27. člen


(1) Izključeno je zavarovanje odgovornosti za:

1) škode, nastale zaradi smrti ali telesnih poškodb oseb zaradi nasilja, terorističnih dejanj, zaradi javnih protestov in demonstracij, prav tako tudi zaradi drugih škod, ki so jih organi javne uprave in obrambe po veljavnih predpisih dolžni preprečiti;

2) škode in/ali izgube na premoženju v primeru, ko so organi javne uprave in obrambe vpoklicani k reševanju tega premoženja.

Public administration and defence Article 27


(1) The insurance excludes liability for:

1) Losses due to death or personal injury of a person due to violence or an act of terrorism, and those sustained during public protests or demonstrations, as well as for other losses which public administration and defence bodies are obliged to prevent under valid legislation;

2) Damages to and/or losses of property in the case when the public administration and defence bodies are engaged in rescue of such property.

Gradbena in montažna dejavnost

28. člen


(1) Izključeno je zavarovanje za škode:

1) ki se nanašajo na poškodovanje sosednjih gradbenih objektov, ker je bila opuščena ustrezna zaščita (ojačenje, podpiranje, opiranje itd.),

2) na objektu, ki naj ga Zavarovanec izdela ali na katerem dela ali je delal;

3) povzročene zaradi rušitvenih del, na nepremičnem premoženju, ki je v območju, katerega polmer ustreza višini objekta, ki se ruši;

4) ki na projektiranih objektih nastanejo kot posledica napak v tehnični dokumentaciji. Če je Xxxxxxxxxxx sklenil tudi katero drugo zavarovanje, s katerim je zavarovana njegova odgovornost (npr. odgovornost izvajalca gradbenih del za škodo povzročene tretjim osebam), se v primeru škode nadomestilo iz zavarovanja izplača na podlagi tega drugega zavarovanja.


(2) Na osnovi zavarovanja po teh Pogojih se bo odškodnina izplačala le v primeru, če kritje po drugem zavarovanju ne bi bilo zadostno, in sicer do zneska nepokritega dela škode, vendar ne več kot znaša zavarovalna vsota, zmanjšana za dogovorjeno franšizo.

Construction and erection activities Article 28


(1) The insurance excludes liability for:

1) Loss of or damage to adjacent buildings due to failure to apply proper reinforcement (propping etc.);

2) Loss of or damage to buildings which the Insured builds or on which he performs works;

3) Loss or damage caused by the building collapsing on immovable objects which are located within a circle the radius of which equals the height of the collapsing building;

4) Loss or damage occurring on designed structures as a consequence of defective technical documentation; If the Insured concluded another contract for insurance against his liability (i.e. construction contractor's liability against damages to third parties), in the case of occurrence of an insured event, the indemnity shall be paid out on the basis of the other insurance policy.


(2) Indemnity in such a case shall be paid under these Terms and Conditions only if the coverage provided by the alternate insurance does not suffice and the amount paid will be equal to the amount of damages not covered, but not more than the sum insured net of deductibles.

Dejavnosti na področju prometa, skladiščenja in

komunikacij

29. člen


(1) Zavarovanje ne krije odgovornosti za:

Transportation, storage and communications Article 29


(1) The insurance does not cover liability for:

1) Claims arising from towage, piloting, guarding and

1) škode, ki izhajajo iz vleke, pilotiranja, varovanja in zaščite ladij, privezovanja, odvezovanja in reševanja ladij, prevozom oseb z navtičnimi vodniki in priveznimi čolni, dodelave, predelave, popravila in podobno; izravnavanja, zaplinjenja, čiščenja, beljenja, premikanja, sušenja in podobno; mednarodnega in domačega transporta blaga (špedicije); skladiščenja blaga v hladilnicah.

2) za posredne škode (izguba trga, padca cen, prepoved uvoza ali izvoza);

3) za škode, ki izhajajo iz uporabe žerjavov in opreme za nakladanje / razkladanje, ki po svoji zasnovi spustijo tovor tako da pade.

protection of ships, mooring, unmooring and salvage of ships, transportation of persons on pilot boats or mooring boats, finishing, processing, repair and similar; equalisation, fumigating, cleaning, bleaching, relocating, drying and similar; international and domestic shipment of goods (forwarding); storage of goods in refrigeration plants;

2) Consequential losses (loss of market, fall in prices, import or export ban);

3) Claims arising from use of cranes and loading/unloading equipment which by their design drop the load so that it falls.

Dejavnost lova, kmetijstva in gozdarstva in sorodnih storitev

30. člen


(1) Zavarovanje ne krije odgovornosti za škode, ki izvirajo iz:

1) parjenja ali umetnega oplojevanja živali;

2) izvajanja gradbenih del na zemljišču zavarovanca, če to ni posebej dogovorjeno;

3) opravljanja dopolnilnih dejavnosti, za katere zavarovanec ni registriran;

4) zaradi škode na pridelkih, ki jih povzročijo živali,

za katere je zavarovanec zakonsko odgovoren.

Hunting, agriculture, forestry and related services Article 30


(1) The insurance does not cover liability for losses arising from:

1) Mating or artificial insemination of animals;

2) Undertaking construction activities on the Insured's land unless coverage is separately agreed and effected;

3) Conduct of secondary activities for which the Insured is not licensed;

4) Claims on crops made by animals for which the Insured is legally liable

Dejavnost vzgoje in izobraževanja

31. člen


(1) Iz zavarovanja je izključena odgovornost za škode, nastale zaradi tatvine denarja, vrednostnih papirjev, plemenitih kovin, numizmatičnih in drugih zbirk ter dragocenosti vseh vrst.

Educational activities Article 31


(1) For educational activities excluded are losses arising out of theft of money, securities, precious metals, numismatic, stamp or other collections and valuable objects of any kind.

Dejavnost gostinstva in hotelirstva

32. člen


(1) Odgovornost za škode nastale zaradi ali tatvine denarja, nakita, vrednostnih papirjev, drugih dokumentov in dragocenosti je krita z zavarovanjem le, če so te stvari predane zavarovancu in spravljene v zaklenjeni blagajni.


(2) Zavarovanje ne krite odgovornosti za:

1) izgubo ali poškodovanje osebnega premoženja gostov v času, ko jih uporablja, obdeluje ali z njimi upravlja Zavarovanec;

2) izgubo ali tatvino osebnih stvari gostov, če so te prinesene v prostore, ki so dostopne vsem ali so v prostorih, kjer se streže hrana in pijača in podobno;

3) izgubo ali poškodovanje stvari v vozilih in na posameznih delih vozila, če vozilo ni shranjeno v zaklenjeni garaži ali parkirišču, ki je točno določeno in označeno ter pod stalnim nadzorom čuvaja.


(3) Odgovornost zavarovanca za škode na stvareh v vozilu in na posameznih delih vozila, ki so shranjena v zaklenjeni garaži ali parkirišču, ki je točno določeno in označeno ter pod stalnim nadzorom čuvaja, je krita z zavarovanjem le, če je to na zavarovalni polici dogovorjeno in če je plačana ustrezna premija.

Hospitality industry Article 32


(1) Liability for loss or theft of money, jewellery, securities and other documents and valuable objects is covered by the insurance only if such items or objects are handed over to the Insured and placed in a locked cash register.


(2) The insurance does not cover liability for:

1) Loss of or damage to personal belongings of guests at times when these are used, processed or handled by the Insured;

2) Loss of or theft of personal belongings of guests if these are brought into the rooms accessible to everybody or into the rooms where food and drinks are served and similar;

3) Loss of or damage to property in vehicles and certain parts of vehicles if the vehicle is not placed in a locked garage and there is no car-park which is clearly designated or marked or watched by a round-the-clock guard.


(3) The Insured's liability for loss of or damage to property in vehicles and certain parts of vehicles that are in a locked garage or at a car-park that is clearly designated, marked and watched by a round-the- clock guard is covered by the insurance only if it is specifically agreed and stated in the insurance Policy (Proposal) and if an adequate premium has been paid.

Odgovornost organizatorja prireditev

33. člen


(1) Če je v polici dogovorjeno in je plačana dodatna premija

je krita odgovornost zavarovanca kot organizatorja

Event organizers Article 33

(1) If specially agreed in the policy and additional premium payed, the insurance covers liability of the Insured in the capacity of an

prireditev /tekmovanj, v zaprtih prostorih ali na prostem, za škodo zaradi smrti, telesnih poškodb ali poškodbo premoženja, ki jo utrpijo obiskovalci prireditve/tekmovanja.


(2) Z zavarovanjem je zajeta tudi osebna odgovornost udeleženca, povezana z uradnim delom prireditve/tekmovanja in dejanja udeleženca v okviru le- tega.


(3) Z zavarovanjem ni krita odgovornost organizatorja za:

1) škode, ki jih utrpijo udeleženci prireditve/tekmovanja med izvajanjem nastopa/tekmovanja;

2) škode, ki jih utrpijo sodniki in drugo uradno osebje;

3) prireditve/tekmovanja, ki vključujejo uporabo motornih vozil, plovil in letal (vključno z brezpilotnimi letali);

4) škode, povzročene z uporabo

pirotehnike/ognjemeta;

5) finančne izgube zaradi odpovedi prireditve/tekmovanja;

6) škode, če niso pridobljena zakonsko potrebna dovoljenja in odobritve, da bi se prireditev lahko organizirala.

organizer of an event involving rallies or gathering of people (events/competition) indoors or outdoors, for the loss caused by death, injury or damage to the items suffered by visitors (of the events /competitions).


(2) The insurance covers the personal liability of the participants of the competition related to official programm of the event / competition and operations of participants related to that.


(3) The insurance coverage excludes liability of the organizer for:

1) Losses suffered by participants in the events/competitions in the course of the performances/events

2) Losses suffered by the referees and other official personnel

3) Events/competitions that involve the use of motor vehicles, vessels and aircrafts (including drones)

4) Claims caused by the use of phyrotechnics and fireworks

5) Financial loss due to event cancellation

6) Claims where the Insurer as event organizer didn't obtain all legally required permits and licences needed for event organisation.

Odgovornost iz posesti in uporabe stanovanjskih stavb in poslovnih prostorov

34. člen


(1) Z zavarovanjem je krita odgovornost za škodo, ki izvira iz lastnine, posesti ali uporabe stanovanjskih in poslovnih prostorov na naslovu zavarovalnega kraja, ki je označen v zavarovalni polici.

Liability arising from possession and use of residential and commercial space

Article 34


(1) The insurance coverage includes losses arising from the ownership, possession or use of only those residential and commercial objects listed in the Policy or Proposal.

IV. SPLOŠNE DOLOČBE


Pristojnost in veljavna zakonodaja.

35. člen


(1) Za vsa vprašanja, ki niso urejena s temi Pogoji, ter za vprašanja glede razlage teh Pogojev in zavarovalne Police se uporablja pravo Republike Slovenije.


(2) V primeru spora se stranke strinjajo, da je za odločanje

pristojno stvarno pristojno sodišče v Ljubljani.

IV General Provisions


Jurisdiction and applicable law Article 35


(1) Any interpretation of questions concerning these Terms and Conditions and the Policy shall be governed by the laws of the Republic of Slovenia.


(2) In case of dispute, the parties agree to the jurisdiction of the competent court in Ljubljana.

Uporaba Splošnih pogojev za premoženjsko zavarovanje

36. člen


(1) Kolikor niso v nasprotju s temi Splošnimi pogoji za zavarovanje odgovornosti, se za zavarovanja, sklenjena po teh pogojih, uporabljajo tudi Splošni pogoji za premoženjsko zavarovanje.

Application of Terms and Conditions for Property Insurance Article 36


(1) The insurance effected in accordance with these Terms and Conditions shall also be governed by the Terms and Conditions for Property Insurance provided that these are not in conflict with the subject Terms and Conditions for Liability Insurance.

Sankcije in embarga

37. člen


(1) Zavarovalnica ni dolžna nuditi zavarovalnega kritja niti plačati škode ali katerega koli drugega nadomestila na podlagi sklenjene police, če bi kritje ali izplačilo škode ali katero koli drugo nadomestilo na podlagi sklenjene zavarovalne police izpostavilo zavarovalnico kršitvi katerih koli sankcij, prepovedi ali omejitev na podlagi veljavnih resolucij Združenih narodov, trgovinskih ali ekonomskih sankcij, zakonov ali predpisov Evropske unije, Združenega kraljestva, Združenih držav Amerike ali Republike Slovenije.

Sanctions and Embargoes Article 37


(1) Insurer shall not be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America or Republic of Slovenia.



V uporabi od 1. julija 2018.

Effective as of 01.07.2018

T3041-05

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Filed: September 28th, 2023