Policyholder Terms

**INFORMATION

FOR THE POLICYHOLDER BEFORE ENTERING INTO THE INSURANCE CONTRACT,
OR WHEN MAKING AMENDMENTS/SUPPLEMENTS
OR RENEWING THAT CONTRACT**

 

This document forms an integral part of the insurance offer and insurance policy.
In accordance with Article 111 of the Insurance Law (“Official Gazette of the Republic of Serbia,” No. 139/14), the policyholder is hereby informed of the following:

 

1. Registers of competent authorities where the insurance brokerage company EUROSOLUTIONS d.o.o. is registered, with its registered seat at the address:

Požeška 67a, Office 4.06, Belgrade – Čukarica, PIB (Tax ID): 106280667, Company No.: 20569620.

Methods of verifying registration:

• Competent authority: National Bank of Serbia, Kralja Petra 12, 11000 Belgrade

• Decision No.: 8780 dated August 27, 2009

• Verification of registration: National Bank of Serbia – in writing and/or via the website www.nbs.rs

• Register of business entities: Serbian Business Registers Agency, Brankova 25, 11000 Belgrade, registration No. BD 13746012009 dated September 11, 2009

• Verification of registration: Business Registers Agency – in writing and/or via the website www.apr.gov.rs

 

2. The insurance brokerage company EUROSOLUTIONS d.o.o. has concluded cooperation agreements with the following insurance companies:

• DUNAV OSIGURANJE ADO

• WIENER STÄDTISCHE ADO

• UNIQA OSIGURANJE ADO

• SAVA OSIGURANJE ADO

• GENERALI OSIGURANJE SRBIJA ADO

• DDOR NOVI SAD ADO

• TRIGLAV OSIGURANJE ADO

• AMS OSIGURANJE ADO

• MERKUR OSIGURANJE ADO

• GLOBOS OSIGURANJE ADO

• GRAWE OSIGURANJE ADO

• MILENIJUM OSIGURANJE ADO

 

3. Relationship with insurance companies

Qualified ownership interest of the insurance brokerage company
in the capital of any insurance company with which an insurance contract will be concluded, or ownership/control of 10% or more of the voting rights in such company:

• We do not have any qualified ownership interest in insurance companies.

Qualified ownership interest of an insurance company (or its parent company)
in the capital of the insurance brokerage company, or ownership/control of 10% or more of the voting rights in the insurance brokerage company:

• Insurance companies do not have any qualified ownership interest in our insurance brokerage company.

 

4. Procedure for filing complaints

In case of violation of rights or interests related to the work of the insurance brokerage company, or if dissatisfied with the services provided, the client (policyholder) may submit a written complaint at the company’s business premises at the address:
Požeška 67a, Office 4.06, 11030 Belgrade – Čukarica
or by e-mail to: info@eurosolutions.rs

The complaint should contain:

• the name, surname, and address of the complainant if a natural person, or the business name and registered seat of the legal entity, along with the name and surname of its legal representative or authorized person;

• the reasons for the complaint and the complainant’s requests;

• evidence supporting the claims made in the complaint;

• the date of submission;

• the signature of the complainant or their representative/attorney (unless the complaint is submitted electronically);

• a power of attorney, if the complaint is submitted through an attorney or authorized representative.

The insurance brokerage company is obligated to provide a written response within 15 days from the date of receipt of the complaint (or exceptionally within 30 days).
The response must include a statement addressing the complaint, an explanation, an assessment of its merit, and the signature of the authorized company representative.

 

5. Supervision of the insurance brokerage company

Supervision of the insurance brokerage company’s operations is carried out by the National Bank of Serbia, Kralja Petra 12, 11000 Belgrade.

The insurance service user may submit a complaint to the National Bank of Serbia if they have previously submitted a written complaint to the insurance brokerage company and were not satisfied with the response, or if the company failed to respond within 15 days of receipt (exceptionally within 30 days).

A complaint to the National Bank of Serbia must be submitted in writing, by post or by e-mail to the address specified on the Bank’s official website.

The insurance service user must attach to the complaint:

• a copy of the complaint previously sent to the brokerage company,

• the company’s response (if received), and

• supporting documentation relevant to the case.

The insurance service user may submit a complaint to the National Bank of Serbia within six months from the date of receiving the brokerage company’s response or the expiry of the response deadline.

The National Bank of Serbia must provide the complainant with a final response within three months from the date of receipt of the complaint. In complex cases, this period may be extended by up to three additional months, in which case the National Bank of Serbia shall notify the complainant in writing before the initial deadline expires.

If the insurance service user is dissatisfied with the company’s response or does not receive it within the prescribed period, the dispute between the user and the insurance service provider may be resolved through mediation, in accordance with the law governing the mediation process.

The National Bank of Serbia conducts mediation free of charge, while any costs that may arise during the process (travel, accommodation, absence from work, etc.) shall be borne by the parties themselves.