Insurance termins dictionary

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Komprehensive motor vehicle insurance
1. Motor own damage - The damages to the transport facilities themselves

The scope of insurance coverage

  • The touch of constant or movable things to the transport facility and vise versa, at the result of unexpected and external pressure not depending on the insured person who insured the transport facility either in movable or in stationary position and drivers;

  • The damages appeared at the result of turning over and falling of the transport facilities or intentional damages by the third persons at the time of insurance event;

  • The damages appeared at the result of the burning, stroke of the transport facility by the lighting;

  • The damages appeared at the result of stealing the transport facility or their parts or attempting to steal it;

  • The damages appeared at the result of earthquake and eruption

    The damages which may be included in the insurance coverage against additional insurance premium

  • The damages appeared outside of Azerbaijan Republic;

  • The damages appeared at the result of the strike, unrest, national movements and legislative enactment and military measures taken for the purpose of preventing and suppressing them;

  • The damages appeared at the result of terror acts and the sabotages connected with them;

  • The damages to the transport facility by the cigarette an other substances, with the exception of fire;

  • The damages appeared at the result of towing the transport facility by the unauthorized persons and not keeping the rules;

  • The profits of the owner which are lost at the time of insurance event at the result of becoming worthless of the transport facility;

  • The damages appeared at the result of transporting the explosive, flame-throwing and burning substances in transport facility, which are legitimately allowed by keeping the appropriate rules;

  • The damages appeared at the result of participating in the competitions or contests or at the time of training;

  • Any sound, telephone, visual apparatus and other accessories being installed in the transport facility or not included in the production set of this transport facility indicated in the insurance certificate;

    2. Insurance of civil responsibility before the third persons against accidents

    This type of insurance coverage is given according to the losses and damages (the amount exceeding the coverage limits of compulsory insurance on civil responsibility of the owners of transport facilities) to the property and health of the third persons when driving the transport facility indicated in the insurance policy.

    3. Personal accident insurance coverage

    When driving your transport facility you or the other persons in your car expose to injury all the expenses (death, invalidity and treatment expenses) are covered by this type of insurance.



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