{"id":8558,"date":"2026-09-02T15:04:17","date_gmt":"2026-09-02T13:04:17","guid":{"rendered":"https:\/\/industrynews.ro\/?p=8558"},"modified":"2026-09-02T15:04:18","modified_gmt":"2026-09-02T13:04:18","slug":"premiera-in-romania-asirom-include-riscurile-asociate-atacurilor-cu-drona-in-polita-de-asigurare-a-locuintei","status":"publish","type":"post","link":"https:\/\/industrynews.ro\/en\/premiera-in-romania-asirom-include-riscurile-asociate-atacurilor-cu-drona-in-polita-de-asigurare-a-locuintei\/","title":{"rendered":"Premier\u0103 \u00een Rom\u00e2nia: Asirom include riscurile asociate atacurilor cu dron\u0103 \u00een poli\u021ba de asigurare a locuin\u021bei"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Din 2 septembrie 2026, poli\u021ba C\u0103minul Meu de la Asirom devine singura asigurare de locuin\u021b\u0103 din Rom\u00e2nia care acoper\u0103 daunele materiale provocate de r\u0103zboi, terorism sau alte forme de conflict armat, inclusiv pagubele cauzate de drone sau fragmente ale acestora ajunse pe teritoriul na\u021bional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Astfel, Asirom anun\u021b\u0103 o premier\u0103 pentru pia\u021ba asigur\u0103rilor din Rom\u00e2nia: desp\u0103gubirea daunelor produse cl\u0103dirilor \u0219i bunurilor ca urmare &nbsp;a conflictelor armate \u2013 un tip de acoperire pe care industria de asigur\u0103ri il exclude in mod obisnuit, din poli\u021bele standard, din cauza naturii sale imprevizibile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concret, dac\u0103 o locuin\u021b\u0103 asigurat\u0103 sufer\u0103 daune materiale cauzate de o dron\u0103 sau de fragmente ale acesteia, indiferent de originea lor, prin poli\u021ba C\u0103minul Meu, proprietarii primesc acum desp\u0103gubire pentru pagubele produse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimii ani au adus o schimbare de perspectiv\u0103 pentru romani unde incidente legate de conflicte regionale au f\u0103cut ca un risc considerat p\u00e2n\u0103 de cur\u00e2nd teoretic, s\u0103 devin\u0103 o preocupare real\u0103 pentru mul\u021bi proprietari de locuin\u021be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Riscul de r\u0103zboi este exclus, \u00een mod conven\u021bional, din poli\u021bele de asigurare &#8211; nu din pruden\u021b\u0103 excesiv\u0103, ci pentru c\u0103 amploarea, durata \u0219i efectele unui conflict armat sunt, prin defini\u021bie, imposibil de anticipat cu precizie actuarial\u0103. Identificarea unei formule de reasigurare care s\u0103 fac\u0103 posibil\u0103 totu\u0219i aceast\u0103 acoperire a necesitat un timp indelungat de lucru din partea echipelor Asirom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ce acoper\u0103, \u00een mod concret, noua protec\u021bie<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Extinderea de acoperire adus\u0103 poli\u021bei C\u0103minul Meu se aplic\u0103 daunelor materiale directe produse locuin\u021bei \u0219i bunurilor asigurate, generate de r\u0103zboi \u0219i r\u0103zboi civil, acte de terorism, sabotaj, revolt\u0103 militar\u0103 \u0219i lovitur\u0103 de stat, c\u00e2t \u0219i insurec\u021bie, revolu\u021bie \u0219i rebeliune \u0219i acte inten\u021bionate de distrugere, cu motiva\u021bie politic\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sunt incluse, de asemenea, cheltuielile necesare pentru \u00eendep\u0103rtarea resturilor rezultate \u00een urma unui astfel de eveniment, \u00een limitele stabilite prin poli\u021b\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Circa 69 de drone\/fragmente de drone au fost identificate, ridicate sau neutralizate \u00een Rom\u00e2nia de la \u00eenceputul r\u0103zboiului din Ucraina, dintre care 33 numai \u00een 2026, potrivit situa\u021biei Ministerului Ap\u0103r\u0103rii Na\u021bionale (MApN) actualizate la 31 August 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Protec\u021bia este inclus\u0103 automat, \u00eencep\u00e2nd cu 2 septembrie 2026, \u00een toate poli\u021bele C\u0103minul Meu nou \u00eencheiate &#8211; al\u0103turi de acoperirile deja existente pentru incendiu, explozie, cutremur, inunda\u021bii \u0219i fenomene meteo extreme. Clien\u021bii cu poli\u021be active pot solicita oric\u00e2nd ad\u0103ugarea acestei protec\u021bii, iar cei afla\u021bi la re\u00eennoire o vor reg\u0103si inclus\u0103 automat \u00een asigurarea de baz\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Protec\u021bia este relevant\u0103 \u0219i pentru locuin\u021bele cu credit ipotecar: desp\u0103gubirea poate fi cesionat\u0103 b\u0103ncii creditoare, la cerere, p\u00e2n\u0103 la nivelul soldului r\u0103mas de rambursat, astfel \u00eenc\u00e2t garan\u021bia imobiliar\u0103 a creditului r\u0103m\u00e2ne protejat\u0103 chiar \u0219i \u00een cazul unor riscuri excluse p\u00e2n\u0103 acum din poli\u021bele standard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acoperirea se acord\u0103 \u00een condi\u021biile, limitele \u0219i cu excluderile prev\u0103zute \u00een poli\u021ba C\u0103minul Meu \u0219i \u00een Anexa privind asigurarea pentru daune materiale provocate de riscurile politice.<\/p>","protected":false},"excerpt":{"rendered":"<p>Din 2 septembrie 2026, poli\u021ba C\u0103minul Meu de la Asirom devine singura asigurare de locuin\u021b\u0103 din Rom\u00e2nia care acoper\u0103 daunele materiale provocate de r\u0103zboi, terorism sau alte forme de conflict armat, inclusiv pagubele cauzate de drone sau fragmente ale acestora ajunse pe teritoriul na\u021bional. Astfel, Asirom anun\u021b\u0103 o premier\u0103 pentru pia\u021ba asigur\u0103rilor din Rom\u00e2nia: desp\u0103gubirea<\/p>","protected":false},"author":2,"featured_media":8559,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-8558","post","type-post","status-publish","format-standard","has-post-thumbnail","category-companii"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Din 2 septembrie 2026, poli\u021ba C\u0103minul Meu de la Asirom devine singura asigurare de locuin\u021b\u0103 din Rom\u00e2nia care acoper\u0103 daunele materiale provocate de r\u0103zboi, terorism sau alte forme de conflict armat, inclusiv pagubele cauzate de drone sau fragmente ale acestora ajunse pe teritoriul na\u021bional. 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