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MOTOR INSURANCE

IT IS OBVIOUS…

  • You drive your car at any weather
  • You often park your car in the street or yard
  • The daily mileage of your car is more than 14 km
  • The grainy streets make the driving a real heroism


CASCO ≠ CMTPL…


BECOME А CONNOISSEUR IN 3.5 MINUTES



 ACCIDENT


  CMTPL 
 

  CASCO 
 

Accident happened only with Your car

NO YES

The accident has occurred totally by Your fault

NO
YES

You are the damaged part and the party, which caused the damage is unknown

NO YES

The traffic accident with two or more vehicles

YES YES

 The damage of the vehicle which exceeds 1,8 mln AMD even if You are the damaged part

NO YES

You are the damged part and the dameges of the vehicle does not exceed 1,8 mln AMD

YES YES


- WHICH KIND OF VEHICELS CAN BE INSURED?


The passenger cars produced after 2004, which are used for personal purposes.

- IN WHAT CASES DOES THE INSURANCE COVERAGE ACT?

Motor insurance policy includes the following risks:

  • traffic accident (overturning, collision, etc.)
  • fire, explosion
  • falling trees, poles, or other objects (also stones flying under the wheels)
  • hail, lightning, earthquakes, floods and other natural disasters
  • acts of animals
  • illegal actions of third persons (damage to the vehicle, destruction)
  • theft, robbery, fraud

- WHO CAN BE AUTHORIZED DRIVER?

  • The authorized drivers can be the members of the family of the Insured or cohabiting persons

Additional Information:

  • The age of the authorized drivers must be over 23 years and driving experience of 3 years or more.

- WHERE DOES THE INSURANCE ACT?

  • The insurance is valid on the territory of the Republic of Armenia and Nagorno-Karabakh
  • Once a year for 30 days without interruption - on the territory of Georgia, Iran and CIS countries.

Additional information:

  • The insurance area expansion is free of charge
  • Insurance customer can go to the nearest office of the Company for Georgia, Iran and CIS countries area expansion

- HOW MUCH IS THE INSURANCE PREMIUM?

  • Depending on the model of the vehicle base tariff composes 3% or 4%

The rate of insurance is calculated on the market value of the vehicle, which however can not be less than 50% of the price of a new car of the same model.

Discount for lawful drivers:

Annual 10% discount in case of driving without accidents or in case of accidents by other person’s guilt.

In case of driving a car without accident by your fault about 5 years and more, Your insurance rate decreases and reaches up to 1.9%.

  • EXAMPLES OF PREMIUM CALCULATION 
    • Example 1. You have a Kia Cerato car produced in 2009, which costs 4,5 mln AMD today. In 2009 new Kia Cerato car cost 8 mln AMD.
      As far as today the price of your car is more than half of the price of a new car of same model produced in 2009 (4,5 mln > 4 mln) your annual insurance premium will be 4,500,000 * 3%  =  135.000 AMD

    • Example 2. You have a Kia Cerato car produced in 2004, which costs 2,8 mln AMD today. In 2004 new Kia Cerato car cost 7 mln AMD. As far as today the price of your car is less than half of the price of a new car of same model produced in 2004 (2,8 mln < 3,5 mln) your annual insurance premium will be 3,500,000 * 3%  = 105,000 AMD.


- ORDER ALSO

  • Additional gadget (player, display, audio system etc.) insurance  10.000 AMD  
  • Personal accident insurance for drivers and passengers  7.000 AMD
  • Motor third-party liability insurance (CMTPL coverage doubling)  5.000 AMD

- FOR WHAT PERIOD CAN INSURANCE POLICY BE ISSUED?

  • Insurance policy can be issued for one year.

- HOW TO PURCHASE THE POLICY?

  • Order online and invite an agent to visit a place convenient for you
  • Visit one of the offices or sales points of the company  
  • Call our non-stop call-center - (010) 59 21 21

- THE INGO ARMENIA INSURANCE COMPANY GUARANTEES

  • Transportation from the accident site
    - You home
    - Your car to repair center
  • Full repairing
  • Period of repairing 3-45 days (decided during the inspection)
  • In case of violation of the due date of repairing the car, the company provides another vehicle.

Here You can find the sinning procedure and terms of the insurance policy.

Updated:   2016-09-06 04:09

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Regions:
In case of disparity between information presented in Armenian, Russian and English the Armenian variant is preferable.