Vehicle insurance
At present almost every
family has its own vehicle. With the help of your “iron mate” you solve a lot
of problems, apart its presence saves great amount of your time, that is really
expensive nowadays. However, unfortunately, the traffic on our roads becomes
really dangerous, even if your driver qualification and experience are on the
high level. In order to protect your financial losses in case of occurrence of
unforeseen and unpleasant situations, to save your money, we offer you to trust
us the insurance of your vehicle and other risks connected with its
exploitation.
As you wish you can
choose the insurance coverage to be full or partial.
Full variant supposes protection from the losses, occurred as a result of
damage or loss of the vehicle as a result of:
- Road accident;
- Accidental external stroke impact such as: overturn, raid (stroke)
on the immovable and movable items (buildings, obstacles, animals, trees); - Crash of the glass of the bodies and external lightning devices
with the stones and other items: - Fall of the flying machines and its parts, and also on the vehicle also
foreign bodies, including snow and ice, trees and its branches, parts of
the buildings and items thrown out of the window; - Acts of God (storm, whirlwind, hurricane, flood, hail, rain,
freshet, heavy snowfall); - Unlawful acts of the third persons, connected with the car theft,
plunder, robbery.
In case
of the partial insurance “Autokasko” the losses are compensated according
to the short, chosen by you, list of the insurance risks.
In addition, the insurance
conditions are not restricted by the definite programs. You chose them:
- In case of the replacement of the damaged details by the new non-registering
amortization; - With the realization of the corrective maintenance in the auto
centers of the official dealers of the leading world car producers after
the road accident; - With the possibility of the consideration of the compensation
without the documents of the traffic police; - Without any conditions restricting the keeping of the vehicle;
- Action of the coverage until the first insured event or the end of
the insurance sum
Insurance sum it is the
price of your vehicle or “how much is it insured on”. Proceeding on this sum,
the payments are realized. It is set according to the agreement between you and
the insurance company and cannot be higher than real market price of the
vehicle. Is the sum is lower than this price, the insurance company pays the
compensation in the ratio, i.e. the same times less than the actual damage.
Apart from the insurance
of the vehicle, we offer you to insure your liability for the damnification to
the life and health, and also damage to the property of the third persons. The present
insurance type is obliged to be insured by the current legislation.
But if you become familiar with the
conditions of the indemnification of the civil liability of the vehicle owners,
make sure that this amount will not always be enough for the compensation of
the damage. Present sum will be maximum 600 monthly calculated indicators (MCI)
or less than 6 000 USD, if the road accident was without any victims or
damaged. You must admit that it is not so much, if one takes into account that
the average price of the vehicle is 15 000 -20 000 USD.
In addition, this insurance does not cover your fault, if
the insurance event will occur outside the road traffic, for example, in the
yard or parking, gas station, etc. In this case the charges for the
compensation should be carried by you.
In order to protect yourself form these troubles, you can
make a contract of the insurance of civil liability before the third parties in
“IC “Amanat Insurance” in the voluntary form. So we will help you to choose the
insurance conditions according to your wishes. Recommended minimal insurance
sum is 1500 MCI. Within the range of this sum insurance company will realize
the necessary money payments to the injured person, if the amount of damages
exceeded the limits of the liability according to the policy. Along with the
price of this insurance will be acceptable for you.
In case of the financial losses protection, if the driver or
passengers were hurt during the driving of the insured vehicle, you can make a
contract of the accident insurance of the driver and/or passengers of the
insured vehicle. Incidentally, in case of choosing of he maximal vehicle
insurance pack, accident insurance policy is presented with the insurance limit
at the rate of 2 000 000 tenge.
After addressing to our
specialists, who will help you in choosing the optimal variant of insurance
taking into consideration the prices and list of risks, you will protect
yourself from the accidental financial losses and continue your life with
confidence!
