KASKO

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.

Get a price and buy +994 12 555 20 20

A mechanic checks the engine of a car with its bonnet up in a service bay

Main terms

Price: 3.0–4.0% of the car’s value a year, by its age
Deductible: ₼0, ₼100, ₼300, ₼500 or ₼1,000
Payment: At once or in 4 parts: now, then every 3 months
Assessor: Within 2 hours of your call in Baku

Who it is for

Cars up to 12 years old, worth ₼8,000 to ₼250,000. Banks and leasing firms usually require KASKO for a car bought on credit.

What is paid

Accidents, even when you are at fault
Theft and carjacking
Fire, explosion, hail, floods, falling trees
Broken glass (with no deductible as an option)
Damage in a car park and vandalism
Towing up to 50 km (roadside help as an option)

What is not paid

Driving drunk or without a licence
A theft not reported to the police
Wear and mechanical failure
Use as a taxi (a separate contract)

Tariffs

Yearly rate, of the car’s value

0–2 years	3.0%
3–5 years	3.4%
6–12 years	4.0%

Deductible and its effect on the price

₼0	× 1.15
₼100	× 1.00
₼300	× 0.92
₼500	× 0.86
₼1,000	× 0.78

The company’s own tariff, October 2026.

When it happens

Call the road police: 102. After a theft, go to the police at once.
Call our claims line: +994 12 555 40 40. An assessor reaches you in Baku within 2 hours.
Report the event within 3 working days, online or at an office.
Repair at a partner garage or a cash payout: a decision within 10 working days of the documents.

Report a claim

Documents you need

A police certificate (theft, accident, vandalism)
Registration certificate and driving licence
Photos of the damage
A bank account (IBAN) for a cash payout

Questions

What is a deductible?

The part of each claim you pay yourself. With a ₼300 deductible, on a ₼1,200 repair we pay ₼900 and you pay ₼300. The higher the deductible, the cheaper the policy.

If I pay in parts, when are they due?

The first part when you buy, the others after 3, 6 and 9 months. If a part is more than 15 days late, cover pauses until it is paid.

Does the car need an inspection?

Yes, the car is photographed before cover starts: 15 minutes at our Yasamal, Khatai, Sumgait or Ganja office, or you take 8 photos yourself and send them on WhatsApp.