KASKO
from ₼350 a yearBought online
Compulsory motor insurance
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.
Main terms
- Price
- Base ₼50 × coefficients. Toyota Prius 1.8, Baku, driver 35 with 10 years’ experience: ₼82.50
- Term
- 1 year
- Property limit
- ₼5,000 per event
- Buying
- Online; the policy comes by e-mail and goes into the Bureau’s system
Who it is for
Every car, electric car, motorcycle, lorry, bus, tractor and trailer registered in Azerbaijan. If the car belongs to a company, the company signs the contract.
Legal basis
The price follows the Rules approved by the Central Bank Board’s decision No. 25/1 of 29 June 2022, with amendments up to 1 April 2026. The ₼5,000 property limit is from the Central Bank’s statement of June 2026.
What is paid
- Damage to another car when the accident is your fault
- Injury to pedestrians, passengers and other drivers
- Damage to other people’s property: fences, shop windows, poles
- Property damage up to ₼5,000 per event; after a payout the limit is ₼5,000 again
- The policy is registered in the Compulsory Insurance Bureau’s system
What is not paid
- Repairs to your own car: that is KASKO
- Your own injuries: that is accident insurance
- Damage above the limits
Tariffs
Passenger cars, by engine volume
| Engine, cm³ | Coefficient |
|---|---|
| 50–1,500 | 1.00 |
| 1,501–2,000 | 1.50 |
| 2,001–2,500 | 2.00 |
| 2,501–3,000 | 2.50 |
| 3,001–3,500 | 3.00 |
| 3,501–4,000 | 3.50 |
| 4,001–4,500 | 4.00 |
| 4,501–5,000 | 4.50 |
| > 5,000 | 5.00 |
Other vehicles
| Electric car | 1.50 |
| Bus, 9–16 seats | 3.00 |
| Bus, over 16 seats | 4.00 |
| Lorry, up to 3,500 kg | 3.00 |
| Lorry, 3,501–7,500 kg | 4.00 |
| Lorry, over 7,500 kg | 5.00 |
| Motorcycle, tricycle, quad | 1.00 |
| Trailer and semi-trailer | 0.50 |
Where the car is registered
| Baku | 1.10 |
| Sumgait, Absheron | 1.05 |
| Ganja, Nakhchivan | 1.00 |
| Other towns and districts | 0.95 |
The car’s age
| 0–10 years | 1.00 |
| 11–20 years | 1.05 |
| Over 20 years | 1.10 |
The driver’s age and experience
| Age | 0 years | 1 year | 2 years | 3–4 years | 5–6 years | 7–10 years | 10+ years |
|---|---|---|---|---|---|---|---|
| 16–25 | 1.35 | 1.35 | 1.35 | 1.30 | 1.25 | 1.20 | – |
| 26–29 | 1.35 | 1.35 | 1.30 | 1.25 | 1.20 | 1.10 | 1.00 |
| 30–39 | 1.35 | 1.30 | 1.25 | 1.20 | 1.10 | 1.00 | 1.00 |
| 40–49 | 1.35 | 1.30 | 1.25 | 1.15 | 1.10 | 1.00 | 1.00 |
| 50–65 | 1.35 | 1.30 | 1.25 | 1.15 | 1.05 | 1.00 | 1.00 |
| 65+ | 1.35 | 1.35 | 1.35 | 1.30 | 1.25 | 1.20 | 1.10 |
Taxi 1.5; five owners or more 1.15; a company’s car 1.40. Insurance history coefficient 0.60–3.
Source: Central Bank decision No. 25/1, amended up to 1 April 2026. October 2026.
When it happens
- Call the road police: 102. If anyone is hurt, the ambulance: 103.
- Do not leave the scene; take photos before the cars are moved.
- Call our claims line: +994 12 555 40 40, answered day and night.
- The other party claims from us, an assessor values the damage and we pay.
Documents you need
- The road police certificate on the accident
- Driving licence and registration certificate
- The injured party’s ID card
- A bank account (IBAN) for the payout
Questions
What is the insurance history coefficient?
The Compulsory Insurance Bureau keeps every driver’s history. A first contract starts at 1. Each period without an at-fault payout lowers it by 5%, each at-fault payout raises it by 30%. It stays between 0.60 and 3.
What if I drive a taxi?
A taxi adds a coefficient of 1.5, and the price can reach five times the base instead of three. If there is no record of a taxi permit, you declare the use yourself.
Is the price the same at every insurer?
Yes. The tariff is the Central Bank’s; insurers differ only in service: how fast an assessor comes and how fast the money is paid.
Other insurance
Travel insurance
from ₼5 per tripBought online
Home and contents insurance
from ₼40 a yearBought online
Health insurance
from ₼420 per person, a year