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CASCO İnsurance

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Insurance purpose

As a result of a traffic accident, hit by a car compensation for physical damage.

Insured

Permission to conclude an agreement on this type of insurance being a legal or natural person.

Insured means of transportation

  • Cars and trucks
  • Buses and minibuses
  • Tractors and road construction machines

Insurance incident

Motor vehicle insurance, which provides for the implementation of insurance payment in the amount of full or partial compensation for damage to the property interests of the insured as a result of damage, destruction, as well as hijacking or theft of a motor vehicle.

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Insurance risks

Damage caused by collision, fire, explosion, theft, road traffic accident, biased actions of third parties.

Providing information about the insured event

In the event of an insured event, it is required that the insured be notified to the insurance company immediately.

  • Losses incurred as a result of war, all kinds of military operations, external enemy raids, fighting (regardless of whether war is declared or not), civil war, rebellion and administrative and military actions aimed at preventing and suppressing them;
  • Any nuclear explosion caused by radiation and radioactive contamination and related military and administrative measures;
  • Tire damage from bending, puncturing, cutting, or tearing;
  • Fall in the market price of motor vehicles;
  • Any repair or replacement that improves the condition of the vehicle compared to its condition before the insured event;
  • Missed benefit or other indirect losses;
  • If the loss or damage has not occurred as a result of the insured risk, gradual deterioration, integral defect, hidden deficiency, damage from any kind of insects and pests, littering, pollution, ordinary wear, humidity or drought of the atmosphere, temperature or humidity fluctuations, dense fog, deformation, evaporation, weight loss, wear, wet or dry decay, change or deterioration of color, structure or buffing;
  • If the loss or damage did not occur as a result of the insured risk, frostbite, Mechanical, Electrical or electronic failure;
  • Intentional actions of the insured in connection with the voluntary transfer of ownership of the vehicle or its;
  • Driving a motor vehicle by a driver in a state of toxic, alcoholic and drug intoxication, with the exception of cases of forced, illegal seizure;
  • Use of the vehicle for training purposes or for any purpose related to the operation and sale of motor vehicles in competitions, speed competitions, speed tests, car rallies, for rental, durability testing, as well as.

The insurance amount is determined by the insurance contract concluded between the parties on the basis of the real market price (insurance value) of the vehicle. In the event that the insured amount established in the contract is less than the insured value (in the case of partial insurance), the insurer pays compensation for damage in the proportion of the insured amount to the insured value.

In the event that the insured amount specified in the insurance contract exceeds the insured value, the contract for the part in which the insured amount exceeds the insured value is invalid.

The insurance premium is calculated based on insurance tariffs.
Insurance tariffs are determined depending on the market value of the vehicle, the age limit and driving experience of drivers, the type of vehicle, the year of release and other factors that may affect the assessment of risk.

The insurance premium is paid at one time or can be paid in installments according to the agreement of the parties.

 

Amount of exemption

1

The amount of exemption may be stipulated by the insurance contract.

2

The amount of insurance coverage exemption is applied to each insurance risk and each insured event.

3

If the exemption amount is stipulated, that amount is deducted from the damage amount.

Insurance coverage area

Insurance coverage is valid only in the area specified in the insurance contract.

Dispute resolution

Disputes arising from this law shall be resolved in accordance with the procedure established by the legislation of the Republic of Azerbaijan, including in court.

Period of insurance contract

Unless otherwise provided by the contract, the insurance contract shall enter into force on the day of payment of the first part of the insurance premium or its full payment at 24: 00, but not earlier than the date of the start of the insurance period specified in the certificate

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