Coverage
EFES AUTOCARE ALL RISKS is a comprehensive auto insurance solution that combines the benefits of traditional casco coverage with additional protections.
EFES AUTOCARE ALL RISKS product consists of 2 packages
There are no fixed risks—all incidents related to the insured vehicle are covered by default unless they are listed in the exclusions. Incidents may result from the following risks։
Examples of risks:
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Voluntary Third Party Liability Insurance (VMTPL)
Liability arising from a traffic accident that has caused harm to the life, health, and/or property of third parties is covered under this policy. This coverage applies when a claim for damages is filed against the vehicle owner in accordance with RA legislation, including the following:
Driver and passengers’ insurance
Personal accident insurance of the vehicle’s driver and passengers.
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Temporary disability, medical expenses that are directly related to the personal accident
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Permanent disability that is directly related to the personal accident
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Death that is directly related to the personal accident
Insurance Premium
The insurance contract is concluded with the vehicle owner and is valid for a period of one year only.
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Armenia and Georgia - 365 days
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Worldwide - 30 days
The insurance premium depends on a number of factors, including:
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the driver’s driving experience
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the vehicle’s make, model,
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the vehicle’s year of manufacture
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the driver’s age group
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the vehicle’s market value
Insurance Premium = Market Value x Rate
An example of insurance payment calculation
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Insured Car — Toyota Camry, 2019
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Market Value — 10,000,000 AMD
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Drivers — the owner, 45 years old
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Insurance rate - 3%
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Annual insurance premium = 10,000,000 x 3% = 300,000 AMD
Deductible amount
Deductible is the customer's or Your participation in the damages.
You will choose the type of deductible.
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Non-conditional deductible amount - always subject to deduction from the amount of damage,
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Conditional deductible amount - if the threshold is exceeded, the entire loss is compensated.
You choose the type of deductible amount.
3 types of deductible amount are available.
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1% of the market value/maximum compensation amount, not less than AMD 50,000,
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0.5% of the market value/maximum compensation amount, not less than AMD 50,000,
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Without deductible.
You will choose the amount of deductible.
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The higher the deductible amount, the lower the insurance premium.
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The conditional deductible sum implies a higher insurance premium.
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The admissibility of the type and amount of deductible amount is determined by the Autocare All Risks calculator.
Deductible amount does not apply in case of VMTPL and Driver and passenger insurance.
AUTOCARE All RISKS package ADD-ONs
New spare parts
When assessing the damage to the vehicle, the cost is based on the prices of new factory parts, without accounting for depreciation.
Damage to the wheels
Damage to the vehicle's wheels, including tires and rims, is also covered for compensation.
Reduction of Exclusions
Certain policy exclusions do not apply in cases such as running a red light, crossing a solid line.
Զանգահարելով +374 10 700 800 հեռախոսահամարին՝ կստանաք լրացուցիչ ինֆորմացիա:
The Roadcare Assistance package is essentially a service package that provides various types of car ambulance related to the vehicle, also known as an assistance package.
There are 3 main packages:
Roadcare Assistance
300,000 AMD Coverage
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Mobile vulcanization
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Fuel delivery
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Power supply regulation
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Towing services
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Transportation of the driver and passengers from the scene of the accident to the destination
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Sober driver Service
Payment
Monthly
Semi-annually
Quarterly
One time
How Insurance contract is concluded
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Identity document
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Driving license
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Documents regarding the vehicle: registration certificate (technical passport)
In case of an accident
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After an incident, do not move the vehicle, even if you have just noticed the damage.
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Follow the instructions provided by our expert. Our Fast Response Service or operations team will either come to the scene or assist remotely, depending on the complexity of the incident.
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Contact our 24/7 hotline immediately at 010 700 800.
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Once the specialist provides final instructions, incident processing will be completed, and within 2 working hours, we will arrange the next steps.
You can sign an insurance contract
In case of an accident, contact EFES directly on the phone number 010 700 800,
Date of update : 06/09/2024 16:00