Insurance Product "AUTOCASCO"
A traditional insurance product for vehicle owners.
The following may be insured under this type of insurance:
Cars, trucks, and other types of vehicles;
Additional equipment. Additional equipment means equipment and accessories that are either not included in the vehicle's factory-standard configuration or are recognized as additional equipment by agreement of the parties.
Insurance with the insurance company "ARSENAL-KYRGYZSTAN" is a guarantee of the insurer's clear fulfillment of all obligations:
High level of solvency;
Balanced and profitable insurance portfolio.
The insurance product "AUTOCASCO" features:
CASCO — insurance of a motor vehicle against damage, theft, or hijacking;
Variable insurance premium cost for all makes and models of vehicles;
"New for old" — provides that insurance compensation is paid without deducting the percentage of wear and tear for parts and assemblies subject to replacement as a result of an insured event, except in cases of theft, hijacking, and "total loss" of the vehicle (at the policyholder's choice);
"Old for old" — provides that insurance compensation is paid taking into account the percentage of the vehicle's wear and tear. The depreciation is calculated by an expert. The coefficient determined by the vehicle's wear percentage is applied to the entire amount of damage, including the cost of labor and consumables (at the policyholder's choice).
Insurance Risks:
Traffic accident;
Fire;
Damage from ricocheted or fallen objects;
Natural disasters;
Malicious acts of third parties;
Theft.
Essential Terms and Conditions of Insurance:
Sum Insured — not exceeding the actual value of the vehicle;
Insurance Term — less than 1 year, 1 year, more than 1 year;
Insurance Rate depends on:
The cost of the vehicle;
The year of manufacture of the vehicle;
The place where the vehicle is stored at night and the presence of anti-theft devices;
The number, driving experience, and age of persons authorized to drive the vehicle;
The purpose of using the vehicle;
The amount of the deductible.
Insurance Payment — within the limits of the sum insured, in accordance with the terms of the insurance contract.
Full terms and conditions are detailed in the Motor Vehicle Insurance Rules.
CLAIMS ADJUSTER — a person engaged in determining the causes, nature, and extent of losses on insured vehicles.
For more detailed information and to conclude an insurance contract, please contact us at:
Office: +996 (312) 398 224 / +996 (312) 398 278
Claims Adjuster: +996 (995) 88-01-18 (Emirlan)
E-mail: info@arsins.kg