Qaydalı KASKO

Deductible will not be applied in cases where it is proven by the document that the driver is not guilty as a result of the road traffic accident;
Personal accident insurance for drivers and passengers and the third party liability insurance of the car owner are provided free of charge by Qala Sigorta;
The product is presented for passenger vehicles belonging to physical persons.

Vehicles with sum insured from 10 000 AZN to 85 000 AZN
Year of manufacture	Standard coverage	Provision of repair services through an authorized distributor	Conditional deductible
Provision of repair services through an authorized distributor (2019 - 2024)	3.06%	3.40%	100
Standard coverage (2016 - 2024)	3.06%	3.40%
Standard coverage (2009 - 2015)	3.45%	-

Vehicles with sum insured from from 85 000 AZN to 150 000 AZN
Year of manufacture	Standard coverage	Provision of repair services through an authorized distributor	Conditional deductible
Provision of repair services through an authorized distributor (2019 - 2024)	3.35%	3.70%	100
Standard coverage (2016 - 2024)	3.35%	3.70%
Standard coverage (2009 - 2015)	3.55%	-

“Sober driver” service
2 times during the contract period (Territory: Baku city)
Tow truck service due to car breakdown
2 times during the contract period (Territory: Baku city)
Personal accident insurance for drivers and passengers taking into account all seats
Sum insured per seat - 3000 AZN
Maximum medical expenses per seat - 50 AZN
Maximum quantity of seats: 5
Third party liability insurance
Sum Insured – 3000 AZN

Insurance premium payment terms - quaterly;
This tariff scale applies to cars insured for the first time. Not applicable to renewed contracts;
This tariff scale can only be applied to cars with sedan, universal and hatchback bodies;
A double unconditional deductible applies to drivers under 22 years and / or with less than 1 year of driving experience;
Minimum insurance premium: 250 AZN;
Insurance coverage, provided on the basis of tariff scales, applies only to the territory of the Republic of Azerbaijan.

It is necessary to apply to the underwriters of the company when insuring the following vehicles::

Cars with body coupe, convertible;
Sports car class;
Any exotic cars of exclusive production that do not have an official service and sales center in Azerbaijan;
Cars with non traditional color finishes (matte, chameleon, colors with picture, etc.);
Cars with more than 10 cylinders;
Any tuned car.

Also the following brands and models:

BMW – M series;
Volkswagen – R line series;
Mercedes Benz – tuning Brabus;
Rolls Royce, Aston Martin, Pontiac, Citroen, Bentley, Maseratti, Alfa Romeo, Saab;
Note: 0.1 units will be added to the rate mentioned in the relevant table if official service coverage is selected for Mercedes Benz, BMW and Porsche cars.