Had an accident and it's your fault? While compulsory insurance covers damages to the other party, we can compensate for your vehicle’s damage! Insure your car and stop worrying about unforeseen incidents.
Insure your home and belongings to protect and satisfy your neighbors.
Don't worry about health issues or lost belongings during your travels. Insure your trip and feel comfortable anywhere you go.
We provide high-quality medical support 24/7, ensuring your well-being and financial protection against unexpected events.
Stay connected on your trip, get travel insurance!
Until July 1, 2025, everyone who purchases online travel insurance from PASHA Insurance will receive free internet for use abroad. The campaign applies to purchases for all destinations.
The amount of bonus internet depends on the insurance premium as follows:
| Insurance premium | Bonus internet |
|---|---|
| More than 10 AZN | 1 GB |
| More than 15 AZN | 3 GB |
The deductible amount refers to the portion of a loss or damage resulting from an insured event that is not covered by the insurer and is instead borne by the insured.
Example:
Let’s assume that under a motor insurance contract, a non-waivable (unconditional) deductible of 500 AZN is specified.
If a traffic accident causes damage worth 8,900 AZN to the insured vehicle, the insurer will pay 8,400 AZN (8,900 – 500 = 8,400 AZN). The remaining 500 AZN will be covered by the insured.
If the deductible in the contract had been waivable (conditional) instead of non-waivable, then – since the damage exceeds 500 AZN – the entire amount of 8,900 AZN would have been paid by the insurer.
Furthermore, if the damage had been less than 500 AZN (for example, 489 AZN), then no compensation would be paid by the insurer, regardless of whether the deductible is conditional or unconditional.
Property insurance protects your home and belongings from damage or loss caused by unexpected events.
If you have property insurance, the insurance company will compensate you for damages to your home or household items resulting from incidents such as:
- Fire
- Explosion
- Flooding
- Theft
- and other covered risks
In the event of such incidents, the extent of the damage is assessed, and a payout is made according to the terms of your insurance policy.
There are three key differences between CASCO (voluntary comprehensive motor insurance) and mandatory motor insurance:
1. Scope of Coverage
Mandatory motor insurance only covers damages caused to third parties in the event of an accident.
In contrast, CASCO insurance offers much broader coverage — including risks such as falling or thrown objects, theft, robbery, fire, explosion, and natural disasters.
Mandatory insurance does not cover any of these additional risks.
2. Compensation Limit
Mandatory motor insurance pays compensation only up to 5,000 AZN.
CASCO insurance, however, provides coverage up to the full market value of your vehicle, which allows for much higher payouts.
3. Fault Coverage
With mandatory insurance, damages you cause to your own vehicle are not compensated.
In contrast, CASCO insurance covers your own damage even if the accident is your fault.
In summary, CASCO insurance offers broader protection, higher compensation, and more flexibility than mandatory motor insurance — making it an essential choice for those seeking full coverage.
Travel insurance provides financial protection against unexpected expenses that may arise during domestic or international trips. It typically covers:
- Medical expenses in case of illness or injury while traveling
- Loss or damage of luggage
- Search and return of lost or misdirected baggage
- Trip cancellation costs due to force majeure or unforeseen circumstances
In essence, travel insurance ensures peace of mind by protecting you from a wide range of potential risks during your journey.
