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In the Allianz Community Insurance Plus product, you are entitled to a duration discount if you agree not to terminate your contract by non-payment of premiums, or to regular termination at the anniversary, for a period you choose. In exchange, the insurer gives a discount from your premium depending on the length of the period you choose.
You can choose a period of 1-5 years and you need to make your choice when concluding the contract.
You can conclude an Allianz Community Insurance Plus contract with or without deductibles. The amounts of optional deductibles are HUF 20,000 and 40,000
If the contract was concluded with deductibles, the insured person shall bear a part of the damage in the cases and to the extent specified in the special terms and conditions under the title of deductibles. The insurer will not deduct deductibles in cases of liability insurance, residents’ representatives liability insurance, collective accident insurance and insurance for the loss of water, even if the contract contains a clause on deductibles.
From the point of view of the deductibles, the insurer considers them separate insured events when damage occurs successively to separate insured real properties with their own land registry numbers for the same reason (in this respect the community/cooperative-owned areas of a condominium are also considered a separate real property), and will deduct the deductibles separately.