Motor hull insurance
Programms:
Auto-Exclusive
Auto-Elite
Auto-Standard
Auto-Limit
Insurance event is a loss and/or damage of motor hull as a result of the following events:
Wrongful acts of third parties – hooliganism against vehicle, theft or robbery, theft of its separate parts, details and their destruction or damage.
Natural disasters
other unforeseen circumstances– fire, accidental percussion external attack, lightning stroke, falling under the ice, damage of water-supply, heating or sewerage systems, falling at the motor transport the subjects from outside.
An agreement may be concluded on the basis of one of the following variants of motor hull insurance under the events of:
1) Variant А – ‘All risks’;
2) Variant B – ‘Traffic accident’, ‘Stealing’;
3) Variant C– ‘All risks’, excluded ‘Stealing’;
4) Variant D – ‘All risks’, excluded ‘Stealing’ and ‘Natural Disasters’;
5) Variant E – ‘Traffic accident’.
Insurance rate at insurance upon all risks is stated within the limits from 3.5% up to 7% from sum insured. The value of the premium depends on characteristic of concrete car (model, year of issue), conditions of exploitation and storage.
Amount of the sum insured at the moment of the conclusion of insurance contract is defined according to the balance cost of automobile on basis of accounting documents or market value.
Insurance indemnity is carried out at the amount of the real damage caused to vehicle within the limits of sum insured stipulated in the contract of insurance with/without deterioration.
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