УКР   РУС
 

Аutomobile insurance (Casco)

Much was said about the advantages of automobile insurance. Probably, You know that one can have an accident on our troublesome roads, forward children can scratch a four-letter word on the splesher, and the car, left in the yard makes your sleep very light. And the automobile insurance deprives You of such troubles.

The insurance «Dobrobut ta Zahist» company provides the Insuree with 4 Casco programs:

1. «Classic» insurance program

The insurance agreement has standard classic overland transport insurance conditions

More...

The insurance agreement has standard classic overland transport insurance conditions, generally accepted on the insurance market.

2. «Prof» insurance program

This program is for professional drivers.

More...

This program is for professional drivers.
Agreement variances:
1) Agreement is valid until the first loss cover.
2) The territory of the agreement operation - is Ukraine.
3) In case of the event, which has the peculiarities of the insured event, the Insuree obliges to apply in written to the insurance carrier in two-working-day term.

Insurance compensation payment is made only according to the damage, resulted in one insurance event, and which is not total damage for the whole year, done under different conditions and at different time.

3. «Elit» insurance program

The program provides the loyal insurance conditions with maximum insurance wrap and additional options...

More...

The program provides the loyal insurance conditions with maximum insurance wrap and additional options.
Agreement variances:
1. Zero franchise for the transport glass detail damage is applied 3 times during the Agreement operation.
2. Within the terms of the insurance security come:

  • equipment, facilities and accessories, customized and situated in/at vehicle, if they are indicated in the Agreement;
  • equipment for radar and laser position fixing;
  • decorative design of the vehicle – pictures, stickers, etc.
  • damages, which appeared during its transportation by any kind of transport;
  • damages, which appeared during the repair works of the vehicle, its examination and conservation, as well as  after the transport transfer to the third partied with the aim to do this works.

3. The Insurance company compensates damages, caused by vehicle driving by person, who is ill, tired or is under the influence of medicines.
4. In case of glass damage (windscreen, sidelight, rear window, headlights, flashlights, mirrors, etc.), insurance compensation can be paid without the appropriate competent authorities certificate, during the whole Agreement operation.
5. The extent of losses contains combustible and lubrication materials, cooling fluid, conditioner power fluid, etc., that must be compensated.
6. The insurance coverage is non-aggregate, i.e. after the insurance compensation being paid, the size of the insurance coverage does not reduce.
7. The insurance compensation is paid in case of the following traffic rules violation by the Insuree:

  • the oncoming traffic zone ride;
  • the non-compliance of road signs, which block off the traffic;
  • cross-road backing;
  • overspeeding.
  • The decision on the insurance compensation or the insurance compensation refusal can be taken by the Insurance carrier during 10 working days.
  • In case of the transport illegal possession, the Insurance carrier pays the final (second) part of the insurance compensation in amount of 70 % from the amount insured during 10 working days after the pre-trial investigation termination or temporary suspension.

4. «50/50» insurance program

The program provides the possibility for the Insuree to inform the Insurance carrier about one insurance event discretionary, and the size of the insurance payment is 50% from total.

More...

The program provides the possibility for the Insuree to inform the Insurance carrier about one insurance event discretionary, and the size of the insurance payment is 50% from total.
The main insurance agreement variances are:

  • insurance rate and insurance payment is 50% out of the planned according to the «CLASSIC» insurance program, using the adjusting factor under the condition of the applied insured event absence during the Agreement operation period.
  • Insurance carrier obliges  to inform the Insuree in written about the insurance compensation payment decision  during 3 working days since the date of such decision taking;
  • The Insuree must give the Insurance carrier the documents, sustaining the fact of loss occurrence and the size of the actual damage, during 30 calendar days since the date of event occurrence, having the insured event peculiarities;
  • In case of the insured event occurrence,  and under the condition, that the  Insuree informed the Insurance carrier about it, the Insuree obliges to  perform additional payment to the insurance payment during 10 working days since the date of the insurance compensation payment decision massage reception from the  Insurance carrier;
  • the size of the additional payment to the insurance payment can be performed in two ways as to the parties agreement:
    is withdrawn from the insurance compensation amount, which is to be paid to the Insuree;
    is transferred by the Insuree to the Insurance carrier account during 3 working days after the insurance compensation payment decision taking;
  • the additional payment is performed only once during the Agreement operation period;
  • Additional insurance limitation presentation to the section of general insurance exceptions and insurance limitations towards the current damages collection.

Especially for You we made the on-line calculator, which will help You to count the insurance price of Your automobile and to choose the most interesting insurance program.




© 2009 СК «Добробут та Захист»

Аutomobile insurance (Casco)