THE SKY IS NOT THE LIMIT

We can’t predict your future,

but we can help protect it

with tailored solutions

across all types of insurance

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INSURANCE = COLEMONT

We compare all insurers

We analyse offers from all insurance companies on your behalf to find the solution that best suits your needs.

You can choose from a selection of the best options, which we present in a clear and concise format and explain in straightforward language.

We read the fine print so you do not have to — and make sure you understand exactly what it means.

If necessary, we negotiate changes to the insurer’s standard policy terms and tailor the coverage to better meet your specific needs.

You do not pay for our services

Choosing insurance through us does not make the service more expensive, as the intermediary commission is already included in the insurance premium.

It is often mistakenly assumed that buying a policy directly from an insurer will result in a lower price. This is not the case, as insurers also pay their own distribution channels.

If policy prices differ, this is due to differences in the coverage offered, rather than the service provider.

We protect your interests

In the event of a claim, we are always on your side.

An insurance broker is the only insurance intermediary who acts in the interests of the client rather than the insurer.

Why? Because this is required by law.

We negotiate with the insurer on your behalf throughout the claims settlement process, including the amount of compensation to be paid. We also advise you on the next steps and, in more complex cases, involve independent experts when necessary.

We take care of your policy continuity

We keep track of your policy expiry date and instalment payment deadlines, and make any necessary changes to your policy during the term of the contract to ensure you remain fully protected.

20+ years

Over 20 years of experience

in insurance

36 900 000 EUR

Largest insurance claim settled

for a single event

664 219 EUR

Equity – a guarantee

of financial stability

WHAT IS INSURANCE?

From the very beginnings of humankind, we have learned to recognise the risks around us and respond to them in order to survive. In ancient times, the greatest threats included predators, attacks by other tribes, cold, heat, poisonous food and various other risks affecting everyday life and livelihoods.

As civilisation has developed, so have the risks we face. Risk is an unavoidable part of everyday life. Today, people have identified many of these risks and learned how to manage and live with them.

There are many risks that do not significantly affect our quality of life and therefore require no particular action. Other risks, however, we have learned to reduce so naturally that we hardly even think about it. For example, we lock the door when leaving home, cross the street at designated places after checking for approaching vehicles, and get vaccinated against dangerous diseases.

There are also certain tasks we do not handle ourselves but entrust to professionals. We keep our money in banks, have our cars repaired by qualified mechanics, and rely on electricians to install and repair electrical systems. In this way, we transfer a significant part of the risks away from ourselves.

Today, virtually everything that matters to us can be insured. The origins of insurance can be traced far back in the history of civilisation. Initially, communities created shared reserves to prepare for years of poor harvests or times of war. Later, as production and trade developed, insurance became an integral part of economic activity.

Producers were concerned about losses caused by natural disasters, theft and other unforeseen events. This led to the idea of sharing risk so that, in the event of a loss, the resulting financial damage could be compensated. Maintaining sufficient financial or material reserves individually would have been too costly.

Because the number of people exposed to potential risks was considerably greater than the number of those actually suffering losses, the contribution required from each participant could remain relatively small.

This is how insurance developed: a system based on compensating losses from a common fund created through contributions made by those sharing the risk.

/Insurance: Basic Principles and Practice/

WHAT DETERMINES THE PRICE OF A POLICY?

It is always worth remembering that if you focus solely on finding the lowest price, you may end up buying a very expensive sheet of A4 paper. It may give you the impression that you are properly insured, but if a loss occurs, the disappointment can be even greater when you discover that no compensation is payable due to the terms and conditions of the policy.

It is important to make sure that the policy includes all the cover you need and to understand the rights and obligations it imposes on you. An insurance contract is binding not only on the insurer, but also on the policyholder. For example, you may be required to comply with safety and fire protection requirements, road traffic regulations and other policy conditions.

It is also important to understand your own share of the risk, known as the deductible or excess. This is the amount you are responsible for paying in the event of an insured loss. The deductible is one of the factors you can use to influence the price of your policy - the higher the deductible, the lower the insurance premium.

SIA Colemont FKB Latvia

Tālr.: +371 27000390

e-pasts: polise@colemont.lv

Reģ nr.: 40003484130

Āraišu iela 34, Rīga, LV-1039

Banka: AS Swedbank

Bankas kods: HABALV22

Darījumu konts: LV90HABA0001408055066

Saimnieciskais konts: LV92HABA0551005786836