UNIQA OSIGURANJE

UNIQA Osiguranje is the Montenegro arm of the UNIQA insurance group. For property owners, its relevant public offering is household/property insurance for residential real estate in Montenegro, including occupied and unoccupied apartments and houses, household contents, household members and optional/additional risk covers depending on the selected package.

UNIQA’s non-life insurance company is registered in Podgorica and licensed for non-life insurance activities. The company publishes a nationwide sales network and supports policy purchase through branches, advisers, contact centre and online channels.

Relevant services for remote property owners

• Household/property insurance for apartments and houses in Montenegro.
• Cover for the building structure and household contents, subject to policy terms and package selection.
• Packages published for household insurance: Standard, Komfort and Ekskluziv.
• Published risk areas include fire, lightning, storm, explosion, hail, flood/torrent, water escape from installations, glass breakage, burglary/robbery, installation breakage and earthquake as an optional risk, depending on the package.
• Household assistance is included with published household insurance packages and refers to emergency interventions such as locksmith, electrician, plumber, glazier and heating repairs.
• Online policy purchase is available via UNIQA’s webshop.
• Online claims reporting is available through UNIQA’s website.

Not a property manager: UNIQA is an insurance provider, not a rental-management, cleaning or maintenance company. Repair/assistance services should be understood as policy assistance benefits, not general contractor services.

Typical process

1. Choose a household/property insurance package online, through a UNIQA branch, or by contacting the UNIQA contact centre or an insurance adviser.
2. Provide the required property and policyholder details and select the required coverage level and optional risks.
3. Purchase online through the webshop or complete the policy through a branch/adviser.
4. Use the myUNIQA portal for policies, documents, claims and services where available.
5. If damage occurs, report the claim online or through UNIQA support. Additional documents may be submitted by email, post to the Podgorica head office, or in person at a branch.
6. UNIQA communicates claim decisions in writing by post or email, depending on the option chosen in the claim submission.

UNIQA publishes the following support availability:

• UNIQA contact centre: Monday–Friday, 08:00–16:00.
• Online purchase / webshop: available 24/7.
• Online claims reporting: promoted as available 24/7.
• Household assistance included with household insurance packages: emergency assistance is described as available 24/7, 365 days a year, subject to policy terms.

Branch availability may vary by location.

UNIQA can be relevant for foreign or remote owners who need property insurance for a Montenegro apartment or house rather than day-to-day rental operations.

Useful points for remote owners:

• Insurance can be purchased online for eligible household/property policies.
• Policies, documents and services are promoted through the myUNIQA portal.
• Claims can be started online, reducing the need to visit a branch immediately.
• UNIQA publishes an English-language option on its website, while the main local content is in Montenegrin/Serbian.
• Branches are listed in major towns across Montenegro, including coastal and inland locations.

UNIQA publishes that household insurance pricing depends on property size and coverage selected. Its public FAQ gives an example that the monthly premium for a 50 m² apartment can cost less than €5, and it also advertises a 10% discount for online purchase through the UNIQA webshop.

Final premiums, exclusions, deductibles and insured sums should be confirmed directly with UNIQA before purchase.