Obligatory insurance

When driving a car, any driver, both a beginner and an experienced one, may become a participant of a road traffic accident. A pedestrian may suddenly appear on the road, a car may drive when the traffic light is red, an inattentive driver in a nearby car when making maneuvers on the road and as a result an emergency situation arises. And when the accident occurs through your fault? The harm caused to the property should be compensated by the person responsible for damaging the property of other people.

It is important to understand that the cost of damaged property may be very high (imagine what it costs to repair a new vehicle of a prestigious brand) and compensation for damages out of your own funds may significantly worsen the financial situation of the person, who causes the accident, for a long period of time.

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 insurance event is the fact of damage to life, health and (or) property of the victim as a result of 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.

Please note that under the policy of obligatory insurance of third party cars you may not receive payments for repairs of your vehicle. The obligatory insurance of civil liability presupposes only payment of costs of repair of someone else's car or other property damaged in the accident through your fault, as well as expenses for the harm done to the lives or health of the victims.

The law provides for the responsibility limits under the obligatory insurance of civil liability of vehicle owners for the damages caused as a result of a road traffic accident:

• to the life or health of the victim – EUR 10000;
• to the property of the victim – 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 policy of compulsory insurance are the same in all insurance companies and depend on the type and technical characteristics of the vehicle, location of the owner of the vehicle, accident rate when using the vehicle, insurance period.

The duration of the obligatory insurance of the civil liability of vehicle owners varies from 15 days up to 1 year.

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.

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.