Full protection of your car fleet

The cost of repair of the cars crashed in a road traffic accident or damaged by vandals may be very high and affect the financial stability of the company. Insurance of motor vehicles is a simple and reliable method of reasonable planning of expenses for maintenance of the car fleet.

The hull insurance contract makes it possible for you to insure:

• cars;
• vans;
• trucks, haulage trucks;
• buses;
• trolley buses, trams;
• tractors, road machines, special equipment;
• trailers and semitrailers.

We offer two programs of corporate hull insurance "Hull insurance without wear and tear" and " Hull insurance with wear and tear".

The insurance program of "Hull insurance without wear and tear"

The insurance program of "Hull insurance without wear and tear" allows you to insure the cars not older than 5 years (inclusive).

Benefits of the program of "Hull insurance without wear and tear":

• competitive rates, possibility of obtaining discounts;
• at the customer's option, the insurance contract may be concluded both without establishing the franchise and with the franchise that allows you to reduce the cost of the insurance policy;
• insurance payments without consideration to the wear and tear: payments for repair are based on actual invoices issued by the service station, the cost of spare parts is included in the insurance compensation without wear and tear.

The program of “Hull insurance with wear and tear

The insurance program of "Hull insurance with wear and tear" allows you to insure the cars with the age from 6 up to 10 years (inclusive).

Benefits of the program of "Hull insurance with wear and tear":

• competitive rates, possibility of obtaining discounts;
• insurance with establishing the franchise that allows you to reduce the cost of the insurance policy;
• insurance payments with consideration to the wear and tear: the cost of spare parts is included in the insurance compensation with consideration to the wear and tear.

In case of vehicle insurance under any of our programs we will provide for:

• comprehensive protection of your car from all risks (full hull insurance) both on the territory of the Republic of Belarus and abroad without any limits in terms of the number of persons allowed to drive the car;
• possibility to pay the insurance premium in installments (during two terms or quarterly) without increasing the policy value;
• free vehicle evacuation in case of an insurance event; 
• possibility of obtaining insurance compensation without certificates from the authorized bodies in case of damage (crash) caused to the headlights, glass, mirrors, antennas, as well as in the event of a road traffic accident involving only the insured vehicle in case of minor damages (scratches, small dents) in the amount not exceeding 5% of the insurance compensation and not more than USD 1000.

Please note that the insurance premiums paid by a legal entity for the insurance of motor vehicles are included in the cost of manufacture and sale of goods, products (works, services) accounted for taxation purposes (Decree of the President of the Republic of Belarus No 280 dated May 19, 2008).

The hull insurance policy protects your vehicle from the following risks:

• road traffic accidents, collision with another vehicle, pedestrian, birds, animals, hitting a pedestrian, immovable objects, buildings and other obstacles, getting in the ditch;
• impact of foreign objects (for example, a shopping trolley at the hypermarket parking lot hits the car);
• objects, trees, poles, ice, snow, light towers etc. falling down on the car;
• breaking the glass, mirrors, headlights with the stones or other objects from under the wheels of the vehicle;
• fire, including spontaneous combustion, explosion, lightning stroke;
• strong wind (including squall, tornado, hurricane), hail, high water level (in case of floods, flash flood, traffic jams, ice jams), penetration of groundwater, soil settlement, landslide, landslip, earthquake and other natural disasters;
• breakdown of water supply, sewage, heating or fire extinguishing systems, penetration of water from adjacent premises, damage caused by animals (rodents);
• illegal acts of third parties;
• stealing or theft of a vehicle, theft of its certain components, spare parts, nodes, devices.

The insurance policy may be concluded after the compulsory inspection of the vehicle. The insurance amount may not exceed the actual cost of the car.

We offer discounts in case of:

• car storage in a protected area - 10%;
• insurance with the franchise (the amount of damage specified in the contract, which is for your account in case of an insurance event) - from 5 up to 30%;
• insurance of large car fleets (from 5 vehicles)- from 5 up to 25%;
• stop-loss insurance by our company- from 10 up to 50%.

The minimum insurance premium in case you apply to us for the first time:

• under the insurance program of "Hull insurance without wear and tear" is equivalent to USD 500;
• under the insurance program of "Hull insurance with wear and tear" is equivalent to USD 300.

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.