Vehicle insurance

OBJECT OF INSURANCE

The object of insurance is the property interests of the Insurer, which are not contradicting the legislation of the Republic of Tajikistan (in terms of personal insurance - Insured persons).

INSURANCE EVENTS

Insurance events for which the Insurer is liable are:

“Damage” - damage or destruction of the vehicle (its parts) as a result of a traffic accident (hereinafter – “RTC”), fire, explosion, natural disasters, falling foreign objects, damage of the vehicle by animals, as well as damage of the vehicle as a result of illegal actions of third parties;

“Larceny” - theft, larceny of the vehicle and/or additional equipment installed on it, as well as theft of individual components, assemblies and parts of the vehicle;

“Accessory damage” - damage or destruction of additional equipment as a result of an accident, fire, explosion, natural disasters, illegal actions of third parties, the actions of animals;

“Civil liability in the operation of vehicles” - the liability of the Insurer, persons admitted to driving the vehicle and specified in the Insurance Contract or insurance policy, to third parties for property or physical damage caused by accidental events (RTC) when using the insured vehicle by the Insured or authorized person/persons.

Under the Insurance Contract concluded with an individual, the insured is the risk of civil liability of the Insured itself and persons operating the vehicle by power of attorney (on another legal basis) and specified in the Insurance Contract (policy) as persons admitted to driving the vehicle.

Under the Insurance Contract concluded with a legal entity, the insured is the risk of civil liability of the Insured himself when operating the insured vehicle by the drivers specified in the Insurance Contract (insurance policy) as persons admitted to driving the vehicle.

“Accident” - bodily injury, death of passengers and the driver of the insured vehicle as a result of RTC, fire, explosion, natural disasters, falling foreign objects, damage of the vehicle by animals. By additional agreement between the Insured and the Insurer, the risk of bodily injury, death of passengers and the driver of the insured vehicle as a result of illegal actions of third parties can be insured.

HOW MUCH INSURANCE COST MOTOR HULL?

The following factors affect the cost of motor hull insurance:

• amount of the insurance coverage;
• make, model of the vehicle;
• useful life;
• conditions for restoration (repair) of the vehicle;
• age, length of service, number of persons admitted to driving;
• car storage conditions;
• equipment with anti-theft means;
• insurance history;
• the procedure for paying the insurance premium (at a time or in deferred account);
• other factors.