For owners of cars in excess of two million rubles and useful life of under ten years we offer Platinum, a product which provides full risk coverage and the maximum scope of extra services, including the new expedite claims handling program.
The product covers Moscow and the Moscow Region.
The policy covers:
Insurable risks
Theft
Damages caused by:
motor vehicle accident
fire outbreak
damage by flying-off or falling object;
natural disaster;
illegal actions of a third party;
animal impact.
You can also insure your car against the full scope of risks (theft + damage), or against damages only.
Extra services
Car service on road* - up to five times during the period of insurance. It includes:
fuelling;
replacement of a damaged wheel (tire fitting services at client’s cost)
charging or replacement of the battery;
car recovery in the event of a breakdown.
Personal inspector (expedite handling with provision of services of a claim surveyor**)
Now, no matter what the event may be, you may summon a claim surveyor to any convenient location within seven days after the occurrence. If there are no participants in the accident, you do not have to contact the State Traffic Safety Inspectorate and issue all related confirmation (provided that no more than two car parts are damaged).
Besides, the claim surveyor:
photographs the location where the event has taken place;
inspects your car and draws up an inspection report;
draws up and issues a referral to a car service for repairs;
renders assistance in obtaining documents from the Ministry of Domestic Affairs as may be necessary per occurrence.
Main differences in claim handling with Premium and Platinum products
Insured events
Premium
Platinum
In the event of a motor vehicle accident involving two and more participants, it is necessary to:
ensure arrival of representatives of the Ministry of Domestic Affairs;
claim surveyor at the accident site.
ensure arrival of representatives of the Ministry of Domestic Affairs;
claim surveyor at any convenient location within seven days following the accident.
In the event of damages to your car provided there are no other participants in the accident, it is necessary to:
ensure arrival of representatives of the Ministry of Domestic affairs;
claim surveyor within seven calendar days.
ensure arrival of a claim surveyor:
at the accident site (you do not have to contact representatives of the Ministry of Domestic Affairs);
or, at any convenient location within seven calendar days (the Ministry of Domestic Affairs to be contacted for vehicle inspection if three and more car parts are damaged).
Covered geography: Russia and a number of other countries per contract.
Terms of insurance:
Non-aggregate insurance coverage, i.e. after the payment of the insurance indemnification per occurrence the size of the insured amount does not reduce.
No restriction as to car storage requirements.
The size of indemnification is calculated without regard to the wear & tear of parts and components replaceable per occurrence, except the event of theft or total loss of a car.
The Insurant’s freedom to choose the form of insurance indemnification (even after occurrence): coverage of the cost of repair in best car service centers and with official dealers of world producers, or a cash compensation.
‘Special’ indemnification in the event of total loss: payment of the indemnity while the Insurant may keep the remains of the car.
Indemnification of expenses on recovery of the car from the accident site.
Remote processing/handling of claims: to lodge a claim, you do not have to come to the Company’s office.
24x7 help desk.
System of discounts.
* Field help is rendered anywhere in Moscow and within 30km from the Moscow Ring Road (vehicle recovery in the event of breakdown is available from any location in Moscow and the Moscow Region).
** Claim surveyor can be summoned to any location in Moscow and within 50km from the Moscow Ring Road.
Our Contacts
If you have any questions or need additional information, please contact:
