What does body insurance cover?
General theft
General accidents
Fire
Lightning
Explosion
In addition to the above coverages which are the main coverages Body insurance is also additional coverage included in the insurance policy, the choice of which is optional.
What are the sub -coatings of body insurance?
Price fluctuations coverage
Stoppage coverage during repairs
Driver and insurer personal accidents coverage
Parts theft coverage
Chemicals coverage
Natural disaster coverage
Glass breakage coverage
Depreciation removal coverage
Franchise removal coverage
Transit coverage
Is body insurance possibility to be terminated?
Yes; If the car is sold, the body insurance can be canceled. In such a situation, if there is a return premium, the premium will be returned to the insurer's account.
Is it possible to transfer body insurance?
Yes; Depending on the terms and conditions of the request, it will be transferred to first-class people (father, mother, child and spouse) and to the new buyer in case of written consent of the policy holder.
How much is the franchisee in the body insurance?
First damage 10% of the damage amount: at least 500,000 riyals
Second damage 20% of the damage amount: at least 1,000,000 riyals
Third damage 30% of the damage amount: at least 1,500,000 riyals
Theft deductible: 20%
Note 1: The deductible for drivers under 25 years is 10% more.
Note 2: b> The franchise for certificates with an issue date of less than 3 years is 10% more.
What damages does not pay?
Deliberate damage to the insured, beneficiary and driver
Carrying explosives and incendiary materials
Rani car race or speed test
Theft of equipment after the accident
War, riot, strike and invasion
Pursuing and evading the police
people without a certificate or expired certificate
carrying more than the capacity
damages caused by pixelation except for car safety
use of alcoholic beverages, psychedelic or narcotic drugs
damages to electronic parts and Electricity in case of failure and breakdown
change of use and risk aggravation and lack of notification to the insurer
Is the Gold Card part of the body insurance?
No; These two are separate and have different functions.
What is the difference between body insurance and gold card?
Body insurance is cheaper in terms of price.
Body insurance can be transferred.
Car repair with body insurance can be done at any repair shop, but with a gold card, it should only be done by authorized dealers.
Insurance The body can be canceled, but the golden card cannot be canceled.
Can body insurance be damaged without a crocodile?
In order to receive a body insurance claim, a police certificate is required, but if the damage is minor (less than 30 million Tomans), the body insurance claim will be paid without a certificate.
Can body insurance be used for the second time?
Yes; But for the second time, 20% and the third time, 30% of the deductible will be deducted from the total damage paid.
If the board falls on the car, can the body insurance be damaged?
If the sign has fallen from the building, the owner of the building is responsible for paying the damage; But if this happens as a result of wind and storm and natural disaster coverage of the body insurance has been purchased, then the damage of the body insurance can be paid.
What is the basis for body insurance?
The body insurance rate is determined based on the actual and updated value of the car.
Can the previous owner's body insurance be used?
No; The body insurance of the previous owner is not transferred to the current owner of the car and does not pay any damages, unless the previous owner has transferred the insurance to the new buyer with written consent. (Providing the original insurance policy is required)
Does body insurance discounts have a time limit?
It can be used in different companies from 6 months to 2 years, which in *Asia Insurance* can be used up to 2 years after the date of the last insurance.
Is it possible to buy body insurance if the car is damaged?
Yes; Up to 3 points of minor damage, it is possible to buy body insurance.
What is the rate difference between body insurance companies?
The price of body insurance is different in body insurance companies and this difference can be due to the difference in the amount, number of coverages, type of service and also competitive advantage.