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Motor transport insurance

MOTOR TRANSPORT CASCO INSURANCE

This type of insurance is one of the most popular and common. The number of cars on the roads increases day after day as well as the intensity of the road traffic, therefore the exposure level of the road traffic accident occurrence increases respectively.

CASCO insurance

The object of this insurance is a material interest of an insured or beneficiary, being associated with possession, use, or being at disposal of the insured motor transport. According to a contract of insurance, the "Krayina" IC shall indemnify for material damage, total or partial loss, damage of separate units or spare parts of a motor vehicle (hereinafter referred to as "MV") as a result of one or several risk occurrences.

Insurable risks:

Road Traffic Accident (hereinafter referred to as the "RTA") - a crash of an insured MV with moving objects or immovable ones, a slip or turnover of an insured MV;

Act of God - the natural disasters (e.g. a downpour, hail, snowfall, inundation, flood, earthquake, landslide, landslip, floor convergence, lightning stroke, whirlwind, tornado, mudslide, storm, hurricane, etc.), attack of wild animals, accidental falling of any objects on an insured MV;

Unlawful acts of the third parties (hereinafter referred to as the "UATP") - illegal acts of the third parties except for a high-jacking of MV, i.e. total constructive or partial loss of an insured MV, theft of separate units, spare parts or mechanisms of an insured MV;

Fire - fire, explosion, spontaneous ignition not caused by the UATP;

Hijacking - theft of an insured MV for any purposes (theft or attempted theft).

The sum insured is to be fixed in amount to be equal to the actual value of the motor vehicle upon the concluding of the corresponding insurance contract.

The rate/tariff of the insurance cover depends on:

the cost of the MV to be insured;

the corresponding driver's experience record;

a deductible selected;

the number of persons permitted for driving an insured MV.

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