Insurance

Universal Capital Bank AD Podgorica provides insurance brokerage services. We offer all types of insurance policies directly in our branches – quickly and easily.

We offer all types of insurance policies directly in our branches – quickly and easily.

Universal Capital Bank AD Podgorica performs insurance representation services. These services include initiating, proposing, preparing, and concluding insurance contracts on behalf of and for the account of the insurance company. The Bank carries out these representation services with the approval of the Central Bank of Montenegro and the prior consent of the Insurance Supervision Agency. These representation services are performed by Bank employees who hold authorization from the Insurance Supervision Agency to conduct such activities.

Universal Capital Bank AD Podgorica is an authorized representative for UNIQA non-life insurance and UNIQA life insurance, based on the license from the Central Bank of Montenegro no. 03-750-1/2026 dated 26.01.2026, and the approval from the Insurance Supervision Agency no. 03-746/6-25 dated 04.11.2025.

Tri žene različitih generacija leže na tepihu i gledaju u tablet sa osmehom.

Life Insurance

Riziko Credit - life insurance for death with decreasing insured sums.

Riziko Vital Credit - life insurance for death with decreasing insured sums.

Dve dlanovi drže papirnu kuću s prozorom, na pozadini zelene trave.

Non-life insurance
(property and household)

Home and apartment insurance (packages: Standard, Basic+, Comfort, Exclusive)

Combined household contents insurance

Insurance against burglary and robbery

Glass breakage insurance

Builder's risk insurance

Erection all risks insurance

Fire and allied perils (including industrial fire)

Žena sedi u kolima dok muškarac u beloj košulji objašnjava funkcije na kontrolnoj tabli.

Car insurance

Comprehensive car insurance

Motor third-party liability insurance

Porodični par sa dvoje dece smeju se i voze automobil na otvorenom putu.

Accident and sick leave insurance (banking packages)

Accident insurance

Insurance for bank service users against consequences of accidents (with cash loans – Start, Comfort, Exclusive packages)

Insurance for bank service users against financial losses due to sick leave (with cash loans – Comfort, Exclusive packages)

Insurance for bank service users against consequences of accidents (with overdrafts for individuals)

Insurance against financial losses due to unemployment and sick leave (with overdrafts and cash loans)

Porodična scena na drvenoj palubi uz jezero u jesenjem ambijentu.

Other Insurance

Combined Payment Card Insurance

Combined Transactional Account Insurance

Travel Insurance with Assistance

Cargo in Transit Insurance

Voluntary Health Insurance

Providing information

The Bank will provide you with objective information about the available insurance product, so that you can make a decision based on that information. In any Universal Capital Bank branch, our advisors can prepare an offer for you. You can request an offer or additional information at kreditifl@ucbank.me or at the Bank's business premises where we provide insurance brokerage services.

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