Underwritten by Sompo Sigorta 
Climate Insurance is a Sompo Sigorta product built on fire cover, with climate-related perils such as flood, hail, storm, snow load and landslide added on top. A single policy protects one home, one workplace and one boat you own, including their building and contents, plus a car if you choose. The same policy also includes personal accident cover for you and accident-related vet costs for your pet.
It is designed for individual customers who own a home, workplace, car, boat or pet. Its standout feature is that it works as a complement: even if your home policy or kasko covers the same loss, Climate Insurance steps in for the part above those policies' limits. We review your existing policies and assess together what this product would really add for you.
What is covered?
- Fire, lightning and explosion
- Flood and inundation
- Hail
- Tornado, storm and hurricane
- Snow load
- Landslide and ground subsidence
- Trees falling due to storms
- Glass breakage caused by hail
- Personal accident: death, permanent disability and treatment costs
- Vet, surgery, medication, lab test and X-ray costs if your pet is injured in an accident
Optional add-on covers
- Option to include or exclude a car in the plan
- Complementary protection above the limits of other policies such as home insurance or kasko
- Plan options with different sums insured
What you should know
Climate Insurance is a Sompo Sigorta product, available through our agency. Sums insured and the premium vary by the chosen plan and whether a car is included, and we share the current plan options with you when preparing the quote.
Cover is provided on a first-loss basis: claims are paid up to the plan limit without any under-insurance calculation. Only one asset of each type is covered; for example, if you own several homes, the policy protects one of them.
Damage to third parties is excluded; for instance, if a storm blows your boat into someone else's property, that damage is not covered. Earthquake is not on the list of covers. The exclusions in the General Conditions for Fire Insurance, such as war, nuclear risks and confiscation by public authorities, also apply, and strikes, lockouts, civil commotion and terror are excluded unless added by endorsement.
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Frequently asked questions
No. The policy covers one asset of each type: one home, one workplace, one boat and, if included in the plan, one car. We help you decide which assets make the most sense to cover.
If your plan includes a car, hail damage to your home and your car is covered within the plan limits. If your home policy or kasko also covers the same loss, Climate Insurance pays the part above those policies' limits.
Sums insured follow the plans prepared by Sompo Sigorta; you choose the plan and whether to include a car. Because plan options and amounts can change, we give you the current details when preparing the quote.
If your plan includes a car, the storm-related falling tree cover applies to your car as well. Damage that your boat or any other asset causes to third parties, however, is not covered by this policy.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.