See the price now, pay by card and get the policy by e-mail. We have insured since 2006, and our claims line answers day and night.
By policy number or plate: is it valid, until when, the next payment.
An online form: place, time, photos, bank account. You get the claim number at once.
Report a claimBy card, with your bank’s SMS code. If a part is more than 15 days late, cover pauses.
Find your policy and payFour of them can be priced and bought on the site; for the rest we call you back or you come to an office.
Required by law for every vehicle owner. It pays for damage you cause to other people’s cars, property and health. The price follows the Central Bank’s formula: a base of ₼50, then coefficients.
from ₼50 a yearCompulsory · Bought online
Insurance for your own car: accidents, theft, fire, hail, floods and vandalism. Repairs at a partner garage or a cash payout, whoever was at fault. You can pay in four parts.
from ₼350 a yearBought online
If you fall ill or get hurt abroad, doctors, hospital, medicines and getting you home are on us. For a Schengen visa a policy starts at €30,000 and is valid in every Schengen country.
from ₼5 per tripBought online
If a pipe bursts, a fire breaks out or a burglar gets in, we pay for repairs and your belongings. Damage you cause to the neighbours is included up to ₼5,000. An 80 m² flat in Baku costs ₼67.20 a year.
from ₼40 a yearBought online
On top of the state’s compulsory health insurance: doctors, tests, scans and hospital at 14 private clinics, with no queues and nothing to pay. Three plans with a yearly limit of ₼10,000, ₼25,000 and ₼50,000.
from ₼420 per person, a year
Under the Law on Compulsory Insurance, owners of flats, houses, offices and other buildings must insure them. The sum insured and the premium are set by the law and depend on the property’s kind, area and location.
Priced after a surveyCompulsory
Pays a fixed sum for a fracture, an injury, disability or death, wherever and whenever it happens, 24 hours a day, worldwide. ₼10,000 of cover for an office worker costs ₼60 a year.
from ₼30 a year
For business
Employee health · Business property · Cargo · Civil liability · Construction
Estimate employee health insurance
Employee health, property, cargo, civil liability and construction. Over 600 companies insure with us; an offer within 2–3 working days.
38 people work in our claims department, 14 of them loss assessors. The times are our own rules and are checked on every claim.
Claims line
+994 12 555 40 40First minutes
Day and night, holidays included. The operator tells you what to do and sends an assessor.
Within 2 hours
In Baku an assessor reaches a car within 2 hours. For homes and businesses, the next working day.
10 working days
Within 10 working days of the last document: a payout or a written refusal with reasons.
5 working days
Within 5 working days of signing the settlement. With KASKO the repair is at a partner garage and you pay nothing.
The tariff is the Central Bank’s and the same at every insurer. The ₼50 base is multiplied by coefficients; the result cannot exceed three times the base times the vehicle coefficient (five times for taxis).
Example: Toyota Prius 1.8 registered in Baku, made in 2020, driver aged 35 with 10 years’ experience, first contract.
Price your own car| For | Coefficient |
|---|---|
| Base premium | ₼50 |
| Engine 1,501–2,000 cm³ | × 1.50 |
| Not a taxi | × 1.00 |
| Age 30–39, 7–10 years’ experience | × 1.00 |
| Baku | × 1.10 |
| 0–10 years old | × 1.00 |
| 4 owners or fewer | × 1.00 |
| First contract | × 1.00 |
| Yearly price | ₼82.50 |
Source: Central Bank decision No. 25/1, amended up to 1 April 2026. October 2026.
About compulsory motor insuranceWhat happened, what we paid and how many days it took.
Hit from behind in a car park. The assessor arrived in 1 hour 20 minutes; the bumper and boot lid were replaced at a partner garage.
₼1,140 · 9 days
Orkhan G., Baku
Acute appendicitis, surgery and three days in hospital. The assistance service sent the clinic a guarantee letter within 40 minutes.
₼2,403 · paid to the clinic
Kamal R., Sumgait
A boiler pipe burst and soaked the ceiling of the flat below. The neighbour’s repair was paid too.
₼1,870 · 12 working days
Fuad A., Baku
With health insurance you are treated at partner clinics with no queues and nothing to pay. With KASKO your car is repaired at a partner garage and we pay the bill.
List and map
Three in Baku and one each in Sumgait, Ganja, Mingachevir, Lankaran and Shaki. KASKO car inspections in Yasamal, Khatai, Sumgait and Ganja.
· 5-minute read
The Central Bank changed the tariff rules twice in 2025–2026: a new coefficient for taxis and the driver’s insurance history. One example shows how your price is worked out.
· 4-minute read
Besides the sum, the consulate checks the area, the dates and the risks. The EU Visa Code’s requirements, and three examples at our prices.
· 4-minute read
The road police, photos, the claims line: the order of things at the scene, and which policy pays for what.