- Based on the Article 53.4 of the Law “On compulsory insurance”, no matter in whose name the insurance card was issued, any person operating a given vehicle in accordance with law (person owning the vehicle, or renting vehicle, operating it based on the power of attorney or using it under other lawful means) is considered insured with a civil liability for property damage to third parties. In other words, if multiple persons lawfully use a vehicle, it is sufficient that one of them is covered under the civil liability insurance. The insurance of this person will apply to all lawful users of the car. Certificate of compulsory insurance is contracted through the information system of the Bureau of Compulsory Insurance. This information system enables to register only one insurance certificate per one vehicle.

A 5% discount is applied for each insured year without any incidents. The discount is determined by the Insurance Supervision Authority (İSB). Additionally, factors such as the vehicle's registration location, driving experience, the purpose of the vehicle's use, and whether there was an accident in the previous year also affect the insurance premium.

When driving a car, anyone may face the risk of causing damage to a third party’s property or health. In such cases, if you are found at fault for the accientd, you will be required to compensate the other party for the damage caused. Compulsory motor insurance relieves you from this financial liability.

The Bonus-malus system is a system of discounts and surcharges that applies coefficients to increase or decrease insurance premiums for the insured, depending on whether the vehicle driver was at fault in insurance claims under previous insurance contracts.

If, as a result of an insurance accident, damage is caused to a third party's vehicle or other property, coverage is provided for damages up to 5,000 AZN.