Advantages:
- Big number of additional options such as documentation collecting assistance, courtesy car, legal help, etc,
- Recovery of the vehicle from the accident place,
- Repair in approved professional repair centers only,
- Repair of all new vehicles and vehicles with after-sale warranty in official distributor’s centers only,
- Payments on small damages without any documents from police (in case of no subrogation rights of Insurer),
- Option to get financial indemnity (money payment) after the estimation by Insurer,
- Continuous information support, etc.
MOTOR OWN DAMAGE INSURANCE
Subject-matter of insurance
Risks insured:
- road accidents,
- fire,
- lightning,
- explosion,
- forces of nature (rainfall, earthquake, storm, hurricane, flood, etc),
- malicious acts of third parties,
- damage of fallen objects,
- theft (burglarious entry),
- Other unexpected and accidental events.
THIRD PARTY LIABILITY INSURANCE
Subject-matter of insurance
- Vehicle owners liability.
Insurance programs:
- Compulsory motor third party liability insurance,
- Voluntary motor third party liability insurance.
Insured event:
- Responsibility if the vehicle owner to indemnify the damage to the health or property of the third parties resulting from driving the insured vehicle.
DRIVER AND PASSENGERS PERSONAL ACCDIDENT INSURANCE
Subject-matter of insurance
- Life and health of driver and passengers in the vehicle.
Insured event:
- Damage to health or death of driver or passengers resulting from personal accident occurred while moving in the vehicle or during the charge to or discharge from the vehicle.
ADDITIONAL COVERAGE
- Additional equipment insurance — audio, video, communication equipment, horns and other non-manufacturer’s equipment installed on the vehicle (list of equipment must be stated in the insurance policy),
- Replacement of locks — reimbursement of expenses related with replacement of locks resulting from the loss of keys or remote control device,
- Technical emergency assistance — arrangement of technical assistance to insured vehicle in case of failure or break-down,
- Medical emergency assistance — arrangement of emergency medical help to driver and/or passengers of insured vehicle injured in accident,
- Legal assistance — reimbursement of expenditures related with court taxes, other legal expenses, consequential losses not covered by insurance policy and expenses on attorney’s services in settlement of the issue in non-judicial order;
Driving other cars cover — covers legal liability of the Insurer while driving other cars.