You Can Insure Everything That Is Important to You – From Dog Floki to Bicycle

In times that are hard to categorize as stable, people are increasingly seeking ways to insure everything they consider valuable. While you have certainly heard of health or life insurance, car or property insurance, you may be less familiar with some less common insurance policies such as those for pets.

And while there are various unusual examples of insurance in foreign countries, less common but also useful insurance policies that can protect the things you consider valuable can also be found in Croatia. This should not be unusual as times change, and so does the perception of what is important to us and what we want to protect quickly and easily.

– To successfully operate in the market, it is necessary to have simple and transparent products that are easy to use, so that clients can choose coverage that meets their needs – state Wiener Insurance, adding that in times when every segment of health insurance is important, they are one of the few that offer insurance for cochlear implants (which serve as a solution to hearing problems in children and adults) and that offer the possibility of incorporating video consultations with a doctor as part of the insurance.

Here are some more interesting, but also potentially useful, insurances you may not have known existed.

1. Security for Dog Floki and Cat Katty

More and more people consider their pets as family members, so it is not unusual that they want to provide them with security and protection. They can now do so because, just as every person within a household can be insured, in Croatia you can also insure pets.

Pet insurance, as stated on the Croatia Insurance website, covers the costs of treatment and liability for material damage caused to others by the insured dog or cat. Additionally, if the owner loses the insured pet due to illness or accident, the insurance covers the acquisition of a new pet of the same breed and gender.

2. If Cars Can Be Insured, So Can Bicycles  

Given that more and more people are acquiring ‘two-wheeled pets’ and that cycling is becoming increasingly popular, it is no wonder that insurance companies have recognized the importance of insurance for cyclists. According to information on the Grawe website, which was the first to recognize the importance of this insurance, there are three simple packages aimed at ensuring the safety of cyclists in traffic.

This insurance can include liability insurance, accident insurance, but what is most important to many is that this insurance can protect you against bicycle theft (which is on the rise in Zagreb). This insurance guarantees compensation in the event of bicycle theft, and the policy is valid in the territorial area of Europe.

3. For All the Clumsy – You Can Insure Your Mobile Phone

From messages, social networks, banking, to business emails – these are all things for which we increasingly use mobile phones today. Since these devices have become extremely important to all of us, it is not unusual that there is insurance for them. Thus, at UNIQA Insurance, you can open insurance for your mobile phone, and its price depends on the model and age of the phone. 

According to information from the UNIQA insurance website, you can insure your mobile phone against screen breakage and cracking, and the insurance covers the damage, i.e., the cost of repair. 

4. Insurance for Musical Instruments and Electroacoustic Devices

This unusual insurance, the importance of which has been recognized by Wiener Insurance, includes insurance for musical instruments, their cases, electroacoustic devices with accompanying equipment, and other similar items.

As stated by Wiener, insurance can be contracted for the musical instruments of members of musical ensembles, who predominantly use their instruments at various public or private events such as weddings, parties, in hospitality venues, or at entertainment events).

5. Insurance Against Data Theft on the Internet

Joining the category of useful insurances you may not have known about are those that protect you on the internet. Today, many people use all the benefits of the internet and digitalization, often without much thought, so it is no wonder that data theft often occurs as a result. From online shopping to various ordering applications where we leave card details, uploading personal data for registration at the cinema or concert – all these actions are ones we are not even aware put us, or our data, in danger.

That is why Croatia’s ‘payment card insurance’ covers costs incurred from theft, online fraud, or loss of cards and other personal items, such as keys and wallets, and it is extremely important that it covers data misuse.

Another Dimension of Insurance

In countries like the USA or the UK, insurance takes on a completely new dimension because, judging by some examples, you can insure almost anything there. However, while the aforementioned examples could be categorized as useful insurances, some examples from foreign countries could be called extreme.

The story that David Beckham insured his legs is one of the more well-known examples of insurance that has caused astonishment, but it seems he does not belong on the list of the strangest insurances. In some countries in Europe and the USA, it is not unusual to insure against alien abduction, ghost hunting, but also against lost socks.