Insurance cover
Compensation of harm in case of:
1. Transport loss or damage in case of traffic accident, fire, explosion, objects impact, natural disasters and unlawful acts of third parties;
2. Appearance of liability for life harming, health and/or property of third parties at transport usage;
3. Incurring injuries by driver and/or passengers in case of traffic accident.
There is provided a twenty-four-hour evacuation from a place of accident to the point of destination within the bounds of Tashkent and 10 km beyond Tashkent circular road in case of loss or damage of insured transport.
Main exclusions
Compensation is not paid:
- in case of transport usage for driving training or for taking part in competitions and trials;
- in case if total amount of passengers/full weight of cargo exceeds amount/maximum weight fixed by manufacturer;
- in case of transport usage by a person who is in alcoholic inebriation, stoned and/or intoxicated, and depended upon medical products, contraindicative for transport driving;
- in case of violation of preventive fire-fighting regulations, rules of keeping and transporting flammable and highly explosive substances and objects;
- in case of violation of rules of passing railway crossing, passing on inhibiting signal of traffic lights or moving against fixed direction;
- natural wear-and-tear, losing of salable condition and spoilage of manufacturer;
- tires damage caused by roughness or bad condition of road surface, run on sharp objects, if their damage didn’t occur traffic accident;
- expenses relating to possible changes and/or improvement.
There can be provided other exclusions in insurance agreement.
Deductible
Deductible – part of loss which is not subject to compensation. The more rate of deductible the less you pay for our services. Deductible is subtracted from sum of calculated damage.
Order of compensation
At a loss or steal – at the rate of sustained loss after deduction of fixed sum deductible in the range of sum insured.
At damage – transport carrying out or indemnity is paid in sum of service order/calculation for corrective maintenance made by authorized expert organization in the range of sum insured after deduction of fixed sum deductible;
At injury infliction and/or damage property to third parties – at the rate of damage in the rate of sum insured;
At reception of physical injuries by the driver and/or passengers – insurance payment is being made in next ratio to sum insured:
- for trivial injuries, entailed short-termed health disorder or trivial consistent loss of ability to work – 10%;
- for trivial injuries of average heaviness – 40%;
- for severe bodily injury - 80%;
- in case of death – 100%.
Insurance premium
In order to calculate the cost of your insurance policy, you can:
