What does this type of insurance represent?
The insurance policy is intended for the driver; it provides a cash indemnity following a road accident occurring while the driver is behind the wheel of the vehicle, including while stationary, stopped, or while the insured person is getting in or out of the vehicle..
Voluntary accident insurance is a cost-effective way to protect your health and life, and that of your loved ones, from unforeseen situations; the insurance policy will also help you cover the expenses arising from insured events..
The following are considered accidents:
- Accidents that led to a temporary loss of working capacity: trauma, injuries, concussions, etc.;
- Accidents that led to the assignment of a degree of disability;
- Death as a result of an accident;
| Who can be insured? | Individuals over the age of 18 who hold a driving license and who, at the time of signing the contract, do not have any degree of disability; |
|---|---|
| Coverage Period and Level | 12 months, 24/7; |
| Insurance Territory | Republic of Moldova |
For additional information: Driver and passenger accident insurance
feel free to call the phone number 079 88 70 88 / 022 93 01 91
or fill in the form:
YOU RECEIVE FREE:
Reporting the insured event
If one of the risks insured under the Insurance Contract (during its validity period) occurs to the Insured Person, they must take the following steps:
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Within 24 hours of the accident, contact a medical institution for an objective assessment of the harm caused to their health and obtain a medical document confirming the accident;
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Within 3 days from the date the harm to their life and health occurred, they must inform the Insurer of what happened, submitting to the Company's Head Office, Other Claims Settlement Department the documents listed below (in original or legalized copies):
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the request for payment of the insurance indemnity;
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the insurance policy and the Insurance Contract;
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identity documents;
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documents from the medical institution confirming the accident, the duration of treatment and the temporary incapacity for work;
In case a degree of disability is assigned:
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the conclusion of the institution established by the legislation in force of the Republic of Moldova regarding the determination of the degree of disability;
In case of death of the insured person:
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documents confirming entry into inheritance rights (for the heir of the Insured Person);
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other documents related to the circumstances of the insured event mentioned in the Insurance Contract.
Exclusions from insurance:
According to the "General Conditions for Voluntary Accident Insurance," the insurance indemnity will not be paid for the insured risks if they occurred as a result of the actions listed below:
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suicide (attempted suicide) of the Insured Person, except when this was caused by unlawful actions of third parties;
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injuries or mutilations sustained by the Insured Person as a result of committing acts in which signs of unlawful actions are established;
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illnesses, including the aggravation of chronic diseases;
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alcohol, drug or toxic intoxication;
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practicing risky sports at an amateur level, even on a single occasion, such as auto or motor sports, if these were not indicated in the application-declaration completed when concluding the insurance contract and no increase coefficient was applied when calculating the insurance premium.