Motor Insurance

Compulsory insurance is aimed at protection of the state, companies and large numbers of populations from risks.

Compulsory insurance contract is signed by a physical or legal person, based on the requirement set by law. The law requires obligatory enrollment in life, medical or property insurance of certain categories of citizens or the property of companies. In addition, it includes liability insurance for property and other damage of individuals or companies.

Compulsory insurance is regulated by the Law of the Republic of Azerbaijan "On compulsory insurance," and requires licensing of insurance companies involved in compulsory insurance activities.

PASHA Insurance has a license to operate on compulsory insurance of civil liability of vehicle owners, compulsory insurance of real estate and compulsory liability insurance associated with the operation of real estate. The company is included in the register of the Bureau of compulsory insurance.

Purchase and the policy is available in website of PASHA Insurance. Registration can be completed online by connecting to the database of Bureau of compulsory insurance.

Insurance premiums on compulsory motor third party liability insurance:

Type of vehicle	Individual	Legal entity
Type of vehicle	Individual	Legal entity	Cars and other vehicles produced on their basis - according to the engine size
50 sm³ – 1500 sm³	50	60
1501 sm³ – 2000 sm³	75	90
2001 sm³ – 2500 sm³	100	120
2501 sm³ – 3000 sm³	125	150
3001 sm³ – 3500 sm³	150	180
3501 sm³ – 4000 sm³	175	210
4001 sm³ – 4500 sm³	200	240
4501 sm³ – 5000 sm³	225	270
5000 sm³and more	250	300
Buses, minibuses and other vehicles produced on their basis - by number of passenger seats
9 – 16	150	180
16 and more	200	240
Freight cars and other vehicles produced on their basis - for maximum permissible mass

CMTPL + Extra 5

Insurer can pay 5 AZN on top of MTPL and acquire an annual insurance coverage of 1,000 AZN for Personal Accident and Evacuation service. This product is an addition to CMTPL.

Insurance Risks	Driver’s personal accident, passenger’s (front seat) personal accident, and Evacuation during road traffic accident
Insurance period	1 year
Insurance premium	5 AZN
Insurance amount	1 000 AZN
Insurance Amount terms
Driver’s personal accident	490 AZN
Passenger’s (front seat) personal accident	490 AZN
Evacuator (one time)	20 AZN
Special Condition
Insurance policy is a valid with the existence of the MTPL (mandatory third party liability) insurance policy of the “PASHA Insurance”. In the cases of expiration or early cancellation of the MTPL insurance, “5 AZN” insurance policy will be terminated. The evacuation service coverage is valid in the case of the restriction movement of the insured vehicle as a result of the more than two vehicles collision Cover on a first-loss basis applies

CMTPL + Extra 18

This product is an addition to the compulsory motor insurance.
Customers can just pay 18 AZN and extend their third party liability limit of 5,000 AZN (covered by mandatory motor insurance) to 10,000 AZN.
Insurance policy is a valid with the existence of the MTPL (mandatory third party liability) insurance policy of the “PASHA Insurance”. In the cases of expiration or early cancellation of the MTPL insurance, “18 AZN” insurance policy will be terminated.

CMTPL + Extra 28

In addition to compulsory car insurance, PASHA Insurance offers the Compulsory Extra 28 product, which combines liability and personal accident insurance. Customers who purchase this insurance product get a total of AZN 10,000 in addition to AZN 5,000 for vehicle liability insurance and AZN 5,000 for personal accident insurance by paying only AZN 28.

The insurance policy is valid only if it is concluded in the presence of a compulsory motor third party liability insurance certificate of PASHA Insurance Company. Expiration or early cancellation of the relevant compulsory insurance certificate shall result in revocation of the current insurance certificate.

Compulsory Insurance

For your digital security, online purchase of compulsory vehicle insurance is now available through Insurance Cabinet

Insurance Cabinet

What is CASCO Insurance?

Get rid of the anxiety of driving your car by getting Full CASCO insurance only once a year. Full CASCO insurance promises you a full guarantee at the market value of your car.

What will you get by having this insurance?

The full car insurance in PASHA Insurance includes 3 sections:

Section 1: Damage or destruction of vehicles (Casco)
Section 2: Third-party liability
Section 3: Driver and Passengers Personal Accident insurance

Section 1: Damage or destruction of vehicles

Traffic accident
Dropped or falling objects
Illegal actions of a third party
Theft
Fire and explosion
Animal’s action
Natural disaster

Section 2: Third party liability insurance

"Third party liability insurance" covers damage caused by the insured to third parties. The object of this insurance is the damage caused by the insured to the property, life or health of third parties. By paying the insurance premium shown in the table, you insure a third party in the event of an accident up to the amount of the "Limit of Liability".

Limit of liability (AZN)	Insurance premium (AZN)
10 000	40
15 000	55
20 000	70
25 000	80
50 000	110
100 000	160

Note: Payments mentioned above will be made in addition to the sum insured determined by the compulsory civil liability insurance of motor vehicle owners of the Republic of Azerbaijan.

Section 3. Personal accident insurance of drivers and passengers.

Section 1 covers the risks of death, complete or partial loss of ability to work and injury of the insured as a result of events arising from the risks covered by the insurance coverage.

Insurance amount (AZN)	Insurance premium (AZN)
5 000	6
10 000	12
15 000	18
20 000	24
25 000	30

Additional services provided by PASHA Insurance

When you get "Tam KASKO" product, you can additionally choose one of the packages "Free", "Standard", "Premium" or "PASHA Ladies". By selecting one of the desired packages, you can take advantage of additional services and discounts included in the relevant package. Additional services and discounts include:

ADDITIONAL SERVICES AND DISCOUNTS	Free	Standard	Premium	PASHA Ladies
Taxi service⁽¹⁾	-	-	14 days	14 days
Evacuation service⁽²⁾	-	2 times	3 times	2 times
Designated driver service⁽³⁾	-	2 times	3 times	-
Being exempt from paying the deductible if the insured/policyholder are not at fault in road traffic accident⁽⁴⁾	+	+	+	+
Partial payment of insurance premium based on the market value of the car	+	+	+	+
Partial payment of insurance premium up to 10 months, regardless of the market value of the car	-	-	+	-
Discounts on products of other types of insurance	+	+	+	+
Any driver⁽⁵⁾	+	+	+	+

⁽¹⁾Taxi service can be used only by the insured customer for 14 days with a daily limit of 20 AZN. Taxi service provided for the duration of the car's service is suspended as soon as the repair process is completed. If the insurance payment is made in cash to the beneficiary after the assessment, the taxi service will be suspended. Please, call +994502508383 or *0007 to use this service.

⁽²⁾Free evacuation of the insured vehicle is provided to the nearest auto service in case of the car breakdown. Free evacuation is applied in case of the impossibility of the car to move for any reasons, and only available in Baku-Absheron, Khirdalan, Sumgait (transportation to the nearest service station). If the cause of car breakdown is not an insurance accident, please call +994502508383 or *0007.

⁽³⁾This service is applicable only in Baku. Please, call +994502508383 or *0007 to use this service.

⁽⁴⁾Deductible is not applied to the loss if insured/policyholder is not at fault in road traffic accident. If the third party involved in the traffic accident cannot be identified, deductible is applied.

⁽⁵⁾Damage caused by any driver who has the right to drive the car on a legal basis is covered by insurance.

PASHA Ladies package is only for female drivers.

What is CASCO Insurance?

Affordable price, reasonable coverage

If you are looking for a CASCO product that fits your budget, Optimal CASCO is just for you. The packages included in this product give you an opportunity to choose your insurance premium and maximum damage coverage according to your budget.

Optimal CASCO product covers the following 3 sections:

Section 1: Damage or destruction of vehicles

Traffic accident (Damage or destruction of vehicles)
Dropped or falling objects
Illegal actions of a third party
Theft
Fire and explosion
Animal’s action
Natural disaster

Optimal CASCO product packages:

Package name	OK 500	OK 900	OK 1900
Car market price	25.000-150.000 AZN	40.000-150.000 AZN	100.000-300.000 AZN
Aggregate insurance amount	5,000 AZN	10,000 AZN	20,000 AZN
Deductible	100 AZN	100 AZN	100 AZN
Repair service	Non-official / Official service
Insurance premium	500 / 550 AZN	900/1000 AZN	1900/2000 AZN

Note: Depending on the year of manufacture of your car, you can choose the repair service in the official or non-official service.

Section 2: Third party liability insurance

Limit of liability (AZN)	Insurance premium (AZN)
10 000	40
15 000	55
20 000	70
25 000	80
50 000	110
100 000	160

Note: Payments mentioned above will be made in addition to the sum insured determined by the compulsory civil liability insurance of motor vehicle owners of the Republic of Azerbaijan.

Section 3. Personal accident insurance of drivers and passengers.

Section 1 covers the risks of death, complete or partial loss of ability to work and injury of the insured as a result of events arising from the risks covered by the insurance coverage.

Insurance amount (AZN)	Insurance premium (AZN)
5 000	6
10 000	12
15 000	18
20 000	24
25 000	30

Additional services provided by PASHA Insurance

When you get "Optimal CASCO" product, you can additionally choose one of the packages "Free", "Standard", "Premium" or "PASHA Ladies". By selecting one of the desired packages, you can take advantage of additional services and discounts included in the relevant package. Additional services and discounts include:

ADDITIONAL SERVICES AND DISCOUNTS	Free	Standard	Premium	PASHA Ladies
Taxi service⁽¹⁾	-	-	14 days	14 days
Evacuation service⁽²⁾	-	2 times	3 times	2 times
Designated driver service⁽³⁾	-	2 times	3 times	-
Being exempt from paying the deductible if the insured/policyholder are not at fault in road traffic accident⁽⁴⁾	+	+	+	+
Partial payment of insurance premium based on the market value of the car	+	+	+	+
Partial payment of insurance premium up to 10 months, regardless of the market value of the car	-	-	+	-
Discounts on products of other types of insurance	+	+	+	+
Any driver⁽⁵⁾	+	+	+	+

⁽³⁾This service is applicable only in Baku. Please, call +994502508383 or *0007 to use this service.

⁽⁵⁾Damage caused by any driver who has the right to drive the car on a legal basis is covered by insurance.

PASHA Ladies package is only for female drivers.

Is it possible to get Casco insurance with an annual premium of only 99 AZN? Yes, it is.

We know that sometimes you are not sure about the safety of your car when you park and drive away. An object may fall on your car at any time or your car may be damaged by the weather. With all this in mind, PASHA Insurance offers you Parking Casco insurance with the minimum insurance premium according to your wishes.

What are the coverages of Parking Casco product?

Dropped or falling objects
Illegal actions of a third party* (excluding traffic accident)
Theft
Fire and explosion
Animal attack // animal’s action
Natural disaster

The product promises warranty against all other risks except car accident.

What are the packages of Parking Casco product?

The product is offered to customers in 2 packages depending on the choice of insurance coverage. By getting the package offered to customers with 99 AZN insurance premium, the customer can take advantage of the choice of repairing the car in the official or non-official service, depending on the request.

Packages	Package 1	Package 2	Package 3
Aggregate insurance amount	5,000 AZN	10,000 AZN	20,000 AZN
Deductible	100 AZN	100 AZN	100 AZN
Repair service	Non-official service	Non-official/official service	Non-official/official service
Insurance premium	79 AZN	99 AZN	199 AZN

* Risk is covered in Package 3 only

Full CASCO

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