Private insurances

The following products are made available to you.

• Fire and theft

  Burglaries and thefts unfortunately occur daily. It is therefore important to be well insured against these risks. Russel Insurance has for you a choice of simple fire and theft insurance products but also a variety of comprehensive package policies.

  

• Personal Liability insurance

  You may be held personally liable for damages to third party property or accidental bodily injuries caused to third parties. The personal Liability insurance offers a financial protection for you as an individual or as the head of your family. Cover is applicable worldwide and the policy also includes legal expense assistance for illicit cases brought against you. The legal expenses are borne by the insurance company.

  

• Automobile/motor insurance

  The various auto insurance products nowadays available in the market are vast. Discounts for claims free driving or extra savings for elderly drivers, or special benefits for high value vehicles, including additional discounts for having multiple insurance policies, are matters that we sort out and arrange in an orderly fashion for you.

  

• Personal Accident Insurance

  An accident may be just around the corner....and the consequences and grief may be lasting lifelong. In the worst case an accident may be fatal but in most cases the injuries may be of a permanent nature.
  We can offer you an appropriate insurance product that will interest you and which may offer some form of relief.

  

• Local health care insurance

  Our health is the dearest thing on earth to us. Just  think of it!
  We can arrange basic and comprehensive health insurance for you. The various options you have and voluntary higher deductibles may offer considerable savings in cost.

  

• Jewelry and valuables

  The jewelry and other valuables which you may have acquired throughout the years are very dear to you and on occasions you may wish to enjoy these. For these precious items you have saved and worked hard. The material value may increase considerably over time and an appraisal report on your valuables is therefore by all means recommendable. Based on these appraised values we can arrange a secure jewelry or valuables insurance policy on a worldwide basis.

  

• Pleasure Craft

  Your sailing boat, yacht or open speed boat can all be insured through Russel Insurance on an All Risks basis against physical loss and include your legal public liability as owner of the craft.
  Your trailer and other personal belongings while on board, are options which can also be included in the insurance.
  The policy terms and conditions are based on English wordings.

  

• Annual travel and Cancellation & Premature Return insurance

  The additional expenses you may incur as a result of an accident or an acute illness, loss or damage to your personal baggage while on vacation, are risks that can all be insured.
  In case you, your family or travelling partners have to cancel the journey or trip, even before departure, your vacation may take a very unpleasant turn of events.
  The travel and cancellation insurance are made up for these circumstances and offer protection for the financial consequences due to trip cancellation or curtailment of the trip.

  

• Disability or loss of income insurance

  Your monthly income is the basis on which you have organized your financial plans for your living.
  When this income is halted for a prolonged period, e.g. a long lasting serious illness or an accident with serious bodily injuiries, then the financial consequences for you and your family can be seriously affected. The disability or loss of income insurance is the product we strongly recommend to you to protect against these risks.

  

• Construction Insurance (CAR)

  When starting the construction of your house or the expansion of it, the contractor will usually arrange for a Construction All Risks (CAR) insurance.
  The Construction All Risks insurance offers insurance against loss or damage of building materials from the very start of the construction up until completion and the house is handed over to you.
  Cover is comprehensive on an All Risks basis and will indemnify for damage caused by fire, rain, storm, theft, subsidence, flooding, or faulty workmanship of the contractor or the architect. It's in your interest to refer the contractor to us for an adequate CAR cover, before he starts with the construction work.

  

• Marine Insurance

  The insurance of your goods, a newly purchased car, new property for the house contents are subject to certain risks of loss or damage during their transportation by vessel or airplane. These risks can be insured by taking out a marine insurance policy. We shall be pleased to arrange suitable cover for your situation.

  

• Funeral Expense Insurance

  The funeral expenses of the deceased are covered up to a maximum amount of Naf.5.000,-. The insurance covers the expenses of the funeral services, the cost of transportation of the deceased to the mortuary or hospital, the coffin, the reader, the funeral car, the memorial furnishings and other expenses in connection with the funeral service. In the event of death abroad the transportation costs of the corpse to the country of residence can be included up to a maximum of Naf.2.000,-. These costs will additionally be compensated.

  

• International Health care insurance

  Health and Accident insurance with guaranteed lifetime renewability on a Global or worldwide basis are obtainable at Russel Insurance. We can offer a select choice of products from various international Insurance companies.

  

• Life Insurance

  For the financial consequences in case of death, as collateral security or for your old age income protection in the form of a pension plan, various life and term insurance policies can be arranged. Other forms of life insurance are available but are often very personal so that we would prefer to discuss these on a person-to-person basis. Please feel free to contact us.