Instead of the contract of obligatory insurance of civil liability you may conclude the contract of comprehensive insurance.

The contract of comprehensive insurance includes the obligatory insurance of civil liability of vehicle owners and insurance of your car in case of damage in a road traffic accident through your fault.

The regulation on insurance activities in the Republic of Belarus approved by the Decree of the President of the Republic of Belarus dated 25.08.2006 No 530 stipulates that an insured event is the fact of causing harm to the life, health and (or) property of the victim as a result of the road traffic accident, as well as causing damage to the vehicle of the insured person in a road traffic accident.

In other words, if as a result of a road traffic accident caused by a driver, another vehicle is damaged, or, for example, traffic lights, bus stop, as well as harm is caused to the lives and health of other participants of the road traffic accident or to the pedestrians, the costs of compensation for the damage to the property or treatment of the victims will be covered by us. Besides, according to the comprehensive insurance contract we will cover the cost of repair of the vehicle of the person guilty in the accident, who has the comprehensive insurance policy.

Please note that the comprehensive insurance policy is valid only in case of a road traffic accident with participation of at least two vehicles provided that the insured person is guilty in such an accident.

The comprehensive insurance contract may not be applied in case of theft, damage or loss of the vehicle as a result of fire or flood, damage to the vehicle by third parties (e.g., theft of mirrors, radio and other equipment) etc. To be protected from such risks, we recommend to purchase the hull insurance policy.

The law provides for the responsibility limits under the comprehensive insurance contract for the damage caused as a result of a road traffic accident to:

• the life or health of the victim – EUR 10 000;
• the property of the victim – EUR 10 000;
• the vehicle of the insured person under the comprehensive insurance contract - EUR 10000.

This means that in case of an insurance event we will pay for the damage caused to third parties as a result of the road traffic accident within the specified limits. If the damage exceeds the limit of our liability, you will have to pay the missing amount out of your own funds.

The terms and conditions and value of the comprehensive insurance policy are the same in all insurance companies. The policy value depends on the type and technical characteristics of the vehicle, location of the vehicle owner, accident rate when using the vehicle, insurance period.

By concluding the policy of obligatory insurance with Belneftestrakh, you may be confident in the reliability of our insurance company, which will fulfill all its obligations in case of origination of an insurance event.

To conclude the comprehensive insurance contract, you have to provide the vehicle for examination and photographing.

The period of validity of the comprehensive insurance contract ranges from 6 months up to 1 year.

The insurance premium is paid as a lump sum, when concluding the contract.

How to obtain the policy?

Just call the corporate sales manager by dialing (017) 209 43 27 or contact our affiliates. A qualified expert will answer all your questions. We appreciate your time and we are ready to come to your office to do the paperwork.