Insurance of fleets of motor vehicles
Objects of insurance:
• means of transport;
• additional equipment installed in means of transport;
• driver and passengers’ life and health (accident insurance);
• compulsory motor third-party liability insurance (MOTPL/OSAGO);
• third-party civil liability (voluntary insurance).
We insure the following risks:
• car theft will mean illegal appropriation by third parties of an insured motor vehicle both with the purpose of theft (stealing, robbery, violent robbery) and without thereof. Insurance against theft is only possible in combination with insurance against damage;
• damage will mean inflicting damage to or complete destruction of a motor vehicle or parts thereof;
• damage of additional equipment will mean inflicting damage to, destruction or loss of additional equipment installed on an insured motor vehicle;
• accident will mean bodily injuries inflicted to a driver and/or passengers of an insured motor vehicle as a result of a car accident;
• civil liability will mean insurance of the civil liability of an insured person as an owner of a motor vehicle for the damages caused to life, health and/or property of other people through the operation of his/her motor vehicle.
Insurance amount and insurance value
The insurance amount will not exceed the real value of a motor vehicle, any additional equipment and accessories as of date of the contract execution.
The insurance amounts under accident insurance for a driver and passengers will be determined by the two parties at the moment of the contract execution.
For voluntary third-party motor insurance the insurance amount will be written in the policy as agreed by the insured person and the insurer.
For compulsory MOTPL/OSAGO a standard insurance amount is established by law.
Insurance indemnity
By means of compensating under the risk of damage the company may either restore a car at the car repair shops bound by contractual relations with Energogarant or pay the insurance indemnity in monetary form or in the form of payment for the completed repair against the documents submitted by the insured party.
In case of minor damages of a motor vehicle (the total damage will not exceed 5% of the insurance amount) the indemnification will be paid without presentation by the insured person of certificated from competent authorities (the State Traffic Safety Inspection or Department of Internal Affairs).