Questions
The most common questions by topic. If you do not find the answer, write in the chat or call us.
Buying online
How do I buy a policy on the site?
On the quote page choose the insurance, fill in the details and pay by card. The policy comes to your e-mail at once and shows on the Check a policy page.
Which cards can I pay with?
Visa and Mastercard from any bank. The payment is confirmed with your bank’s SMS code; we do not keep the card number.
When does the policy start?
On the date you choose: from today up to 60 days ahead. A travel policy starts on the first day of the trip.
Do I need a paper policy?
No. The e-policy comes to your e-mail, and compulsory policies are registered in the Compulsory Insurance Bureau’s system. If you want to print it, the policy page has a Print button.
Do you sell life insurance?
No. In Azerbaijan life insurance is run by separate companies under a separate licence. We are a non-life insurer: cars, property, travel, health, liability.
Compulsory motor and KASKO
Why is my compulsory price different from my friend’s?
It depends on the engine volume, where the car is registered, the driver’s age and experience, the car’s age and the insurance history. The tariff is the Central Bank’s and the same at every insurer.
Do I need to bring the car for KASKO?
Yes, the car is inspected before cover starts: 15 minutes at our Yasamal, Khatai, Sumgait or Ganja office, or you send 8 photos on WhatsApp.
What if I pay KASKO in parts and pay late?
If a part is more than 15 days late, cover pauses and resumes the day you pay. An event while cover is paused is not paid.
Travel
What must a policy cover for a visa?
For Schengen at least €30,000: emergency care, hospital, repatriation for medical reasons and death, in all Schengen states for the whole trip.
What if the visa is refused?
Send the refusal letter: the policy is cancelled and the money returns to your card within 5 working days.
Whom do I call if I fall ill abroad?
The assistance number on your policy. It works day and night, speaks Azerbaijani and Russian, sends you to a partner clinic and pays the bill.
Claims
How soon must I report an event?
Within 3 working days for cars, homes and businesses; within 30 days of your return for travel. The sooner you report, the sooner the assessor comes.
How long does a decision take?
A decision within 10 working days of the last document, and payment within 5 working days of signing the settlement. Follow it on the Claim status page.
What if I disagree with the decision?
Send a written complaint and we answer within 15 working days. After that you can turn to the Central Bank or a court.
Cancellation and refunds
Can I cancel a policy?
Yes, at any time with a written request. You get money back for the unused days, less the cost of issuing the policy. A travel policy cancelled before the trip is refunded in full.
I sold my car. What happens to the compulsory policy?
The policy covers the owner’s liability, so the new owner buys their own. We cancel yours and refund the remaining days.
When is the money returned?
Within 5 working days of the request, to the card or account you paid from.
Did not find your answer?
The call centre works Mon–Fri 09:00–20:00 and Sat 10:00–16:00; the claims line works day and night.