Choose the package that fits your budget and fully insure your car!
OK 250 250₼ Annual | OK 500 Popular500₼ Annual | OK 900 900₼ Annual | OK 1900 1900₼ Annual | |
|---|---|---|---|---|
| Coverage amount | 2000 AZN | 5000 AZN | 10 000 AZN | 20 000 AZN |
| Unofficial repair service | 250 AZN | 500 AZN | 9 000 AZN | 1900 AZN |
| Official repair service | 300 AZN | 550 AZN | 1000 AZN | 2000 AZN |
| Minimum price of a car | 5 000-25 000 AZN | 25 000- 150 000 AZN | 40 000- 150 000 AZN | 100 000 - 300 000 AZN |
We cover the costs if the following events occur!
Traffic accident
If your car collides with another vehicle while in motion
Dropped or falling objects
If any object falls on your car
Theft and robbery
If your car is stolen or robbed by a third party
Fire
If the car catches fire for any reason
Animal movement
If your car is damaged by animals
Natural disasters
In case of earthquake, storm, hurricane, hail, flood, overflow, landslide, or heavy rain
Explosion
If an explosion occurs in your car
Third-party action
If your car is intentionally damaged by a third party
Make the most of your Optimal CASCO insurance with additional services tailored to your needs.
Standard 25₼ Annual | Premium Most popular75₼ Annual | PASHA Ladies 35₼ Annual | |
|---|---|---|---|
| Non-application of the unconditional exemption amount in cases where the insured/insured is not at fault during a road traffic accident | |||
| Evacuation service | 2 times | 3 times | 2 times |
| Installment payment option for the insurance premium up to 10 months, regardless of the market value of the vehicle | |||
| Partial payment based on the value of the car | |||
| Taxi service | 14 days | 14 days |
Optimal CASCO
With Optimal CASCO, you can enhance your coverage by paying an additional insurance premium.
Third-Party Liability Coverage
| Coverage Limit | Premium |
|---|---|
| 10,000 AZN | 40 AZN |
| 15,000 AZN | 55 AZN |
| 20,000 AZN | 70 AZN |
| 25,000 AZN | 80 AZN |
| 50,000 AZN | 110 AZN |
| 100,000 AZN | 160 AZN |
Personal Accident Insurance for Driver and Passengers
Covers injuries or loss of life for the driver and passengers in case of an accident
| Coverage Limit | Premium |
|---|---|
| 5,000 AZN | 6 AZN |
| 10,000 AZN | 12 AZN |
| 15,000 AZN | 18 AZN |
| 20,000 AZN | 24 AZN |
| 25,000 AZN | 30 AZN |
Frequently Asked Questions
We’ve collected common insurance questions you might find helpful.
What are the conditions for benefiting from repair services at official service centers?
To benefit from repair services at official service centers, the customer's vehicle must be 5 years old or less, and an additional payment of 50 to 100 AZN must be made on top of the insurance premium. Specifically:
- If the customer has coverage of 2,000 AZN, they must pay an insurance premium of 300 AZN instead of 250 AZN to use official service center repairs.
- If the customer has coverage of 5,000 AZN, they must pay 550 AZN instead of 500 AZN for official service center repairs.
- If the customer has coverage of 10,000 AZN, they must pay 1,000 AZN instead of 900 AZN for official service center repairs.
- If the customer has coverage of 20,000 AZN, they must pay 2,000 AZN instead of 1,900 AZN for official service center repairs.
How much is the insurance premium for the product?
The Optimal KASKO product has 4 packages depending on the insurance premium and coverage:
- Insurance coverage of 2,000 AZN. In this case:
Insurance premium is 250 AZN with repair service at a non-official service center.
Insurance premium is 300 AZN with repair service at an official service center.
- Insurance coverage of 5,000 AZN. In this case:
Insurance premium is 500 AZN with repair service at a non-official service center.
Insurance premium is 550 AZN with repair service at an official service center.
- Insurance coverage of 10,000 AZN. In this case:
Insurance premium is 900 AZN with repair service at a non-official service center.
Insurance premium is 1,000 AZN with repair service at an official service center.
- Insurance coverage of 20,000 AZN. In this case:
Insurance premium is 1,900 AZN with repair service at a non-official service center.
Insurance premium is 2,000 AZN with repair service at an official service center.
At which service centers does Optimal KASKO allow repairs?
The Optimal CASCO product allows repairs at both official and non-official service centers, regardless of the insurance amount.
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Download our mobile app and manage your insurance effortlessly from your phone.
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"content": "## Optimal CASCO \nWith Optimal CASCO, you can enhance your coverage by paying an additional insurance premium.\n\n### Third-Party Liability Coverage \n\n\n| Coverage Limit | Premium |\n|----------------|---------|\n| 10,000 AZN | 40 AZN |\n| 15,000 AZN | 55 AZN |\n| 20,000 AZN | 70 AZN |\n| 25,000 AZN | 80 AZN |\n| 50,000 AZN | 110 AZN |\n| 100,000 AZN | 160 AZN |\n\n### Personal Accident Insurance for Driver and Passengers \nCovers injuries or loss of life for the driver and passengers in case of an accident\n\n| Coverage Limit | Premium |\n|----------------|---------|\n| 5,000 AZN | 6 AZN |\n| 10,000 AZN | 12 AZN |\n| 15,000 AZN | 18 AZN |\n| 20,000 AZN | 24 AZN |\n| 25,000 AZN | 30 AZN |\n"
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"question": "What are the conditions for benefiting from repair services at official service centers?",
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"text": "To benefit from repair services at official service centers, the customer's vehicle must be 5 years old or less, and an additional payment of 50 to 100 AZN must be made on top of the insurance premium. Specifically:",
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"text": "If the customer has coverage of 2,000 AZN, they must pay an insurance premium of 300 AZN instead of 250 AZN to use official service center repairs.",
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"question": "How much is the insurance premium for the product?",
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"children": [
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"text": "The Optimal KASKO product has 4 packages depending on the insurance premium and coverage:",
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"text": "Insurance premium is 250 AZN with repair service at a non-official service center.",
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"question": "At which service centers does Optimal KASKO allow repairs?",
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