Insure every moment of your life with ABB mobile!

If the customer does not pay the insurance premium within the time period set by the insurance company, the insurance contract is canceled. Information about this is sent by the insurance company to the client via SMS.

Insurance information is provided by the insurance company through the e-mail address provided by the customer (Insurance policy and insurance rules) and mobile number (General information about insurance)

First, make sure you have sufficient funds according to your chosen payment method (“Fayda”, ABB debit and credit card). You can get more information and support by contacting the information center. ABB's İnformation Center serves customers 24/7.

Contact: 937; (+994 12) 493 00 91

Calls from landline phones in Baku city are completely free of charge.

Calls from mobile operators and city landlines outside of Baku are charged.

Email address: info@abb-bank.az

If the mobile number and e-mail address you mentioned are not received, please contact the information center of the insurance company.

Contact: 940

Whatsapp: +994555252940

Email address: office@ateshgah.com

You can get help at any time 24 hours a day by calling the center operating in foreign countries through the following contact numbers:

Egypt: +2 02 24137311

Turkey: +90 242 310 28 29

Other countries: +90 242 310 28 30

In the ABB mobile application, after switching to the "Insurance" section from the main page, the "Contracts" section displays current and expired contracts. Contracts are requested through personal information provided by the customer.

This section contains only the contracts of insurance companies integrated into the ABB mobile application.

Please contact the information center of the relevant insurance company.

 "Ateshgah" Insurance

 Contact: 940

 WhatsApp: +994555252940

Email address: office@ateshgah.com 

You can get help and care anytime by calling the center operating abroad 24 hours a day through the following contact numbers:

Egypt: +2 02 24137311

Turkey: +90 242 310 28 29

Other countries: +90 242 310 28 30

Provided that you have compulsory insurance,"Avto+" product is an insurance product that increases the insurance amount of damage caused by you to another driver from 5,000 AZN to 10,000 AZN.

Provided that the other party has compulsory insurance,"Avto Extra" product is an insurance product that increases the insurance amount of damage caused to you by another driver from 5,000 AZN to 10,000 AZN.

Payment of damage to property and health of third parties

If a car or property of several third parties is damaged as a result of an accident, and the total amount of liability calculated separately for each victim exceeds 5,000 manats, insurance compensation paid to each victim is made in proportion to the total damage amount (5000 AZN).

The term "third party" refers to a physical person who have suffered damage as a result of the policyholder's actions or inaction, and who at the same time have the right to receive insurance payments. In the case of the death of a physical person, his family members - or legal entities, or their legal heirs - are considered third parties. At the same time, the insured and (or) family members of the insured, persons who are not parties to the insurance contract for compulsory civil liability insurance are not considered third parties.

In some cases, CASCO can be useful even if you have CCLIVO, that is, CCLIVO will not be helpful in the following situations: for instance, if you damage your own car while parking, or your car was driven away, or the offender of road traffic incident flees the scene and he/she hasn’t got CCLIVO, and cannot indemnify the damage. Even if you are not at fault and the responsible party does not flee, CCLIVO (not yours, but the responsible party's insurance) can only compensate for the damage within limited coverage (i.e., within the limits set by the CCLIVO policy).

CASCO will cover the following events related to damage to the vehicle itself due to:

✓ Road traffic accidents (including collisions, overturns);

✓ Fire, self-ignition;

✓ Natural events and natural disasters (excluding tsunamis, volcanoes, and earthquakes);

✓ Damage caused to the vehicle due to driving away, burglary; theft of vehicle parts;

✓ Cracks in front, rear, and side windows;

✓ Collision with animals;

✓ Unlawful actions by third parties;

✓ Damage to the vehicle due to falling of stones and other objects.

Besides the price of the car, the brand, model, and year of manufacture also matter. The cost of repairing the car or the level of theft risk can vary based on the model. For instance, although the price of off-road cars like Hyundai and Range Rover might be the same, the CASCO policy is likely to be more expensive for the Range Rover (due to higher costs of spare parts and maintenance). The cost of CASCO insurance can also depend on your age and driving experience.

Yes, typically without additional payment, CASCO only applies within the territory of Azerbaijan. Some companies offer the option to extend coverage to the territory of Georgia, but with a very high deductible. In our company, you can also include specific territories such as Georgia, Russia, Iran, or Turkey in your insurance policy for a specific period of time, if needed, with an additional payment.

Insurance cannot cover all possible events; it only applies to events specified in the insurance terms. It's possible that the event in question is an exception or that you may have violated certain insurance rules. If you disagree with the decision made by the employees of claims department, you can write a complaint addressed to the Chairman of the Executive Board. Your complaint will be thoroughly reviewed. Additionally, you can seek advice from the Insurance Supervision Body under the Ministry of Finance of the Republic of Azerbaijan. The phone number is provided in your insurance policy.

Yes, but you should discuss this matter with the claims department of our company.

You can insure it for a higher amount, but in that case, the insurance payout will be limited to the actual amount of damage. This may not be advantageous for you.

Yes.

Yes, if the damage is noticeable on the car and confirmed by the report of accident commission.

No. Such coverage does not exist. Also, please note that the incidents on public roads are considered road-traffic accidents. Public roads include only those roads indicated on the state map of the Republic of Azerbaijan.

No. Such coverage does not exist. Also, please note that incidents on public roads are considered road-traffic accidents. Public roads include only those roads indicated on the state map of the Republic of Azerbaijan. However, if you were driving on a mountain road, this event is covered by the insurance policy.

No, this event is not covered by the standard list of risks, but you can include it in your insurance coverage with an additional payment. In that case, you can file a claim in court to seek compensation for the damage.

No, unless it's agreed upon in the insurance policy. You can include this service in your insurance policy with an additional payment.

Yes. Any person driving the insured car in accordance with the law is considered an insured person.

If all these additional elements are agreed upon in the insurance policy, then yes, they will be included in the coverage. Otherwise, you will be reimbursed for the expenses related to a standard car. We recommend including additional elements in your insurance coverage with an additional payment. You can inquire about this by contacting our sales department.

Loss or damage to state number plates is not included in the insurance coverage. The cost to replace the plates is 18 AZN.

No. However, if the tires of your are damaged in the same accident along with other parts of the car, we will compensate for the cost of similar tires considering their wear and tear.

No. Even if you left the keys to the car unsupervised inside the vehicle, and someone drive away your car, this event is not covered by the insurance.

Yes, it's possible to cancel your policy. Please contact the Main Office of our company. You will need to provide the original copy insurance policy and fill out a standard application form. We also recommend providing the payment receipt for the insurance policy. When refunding the amount, administrative costs specified in the insurance contract and insurance fees for the days used will be deducted. If you have already received an insurance payout, that amount will be subtracted from the refund.

Payment of damage to property and health of third parties.

If a car or property of several third parties is damaged as a result of an accident, and the total amount of liability calculated separately for each victim exceeds 5 000 AZN, insurance compensation paid to each victim is made in proportion to the total damage amount (5 000 AZN).

By calling 940, sending your state registration number to 9707 or looking at https://isb.az/ website.

When it comes to damage to a third party's car or property, CCLIOMV insurance offers coverage up to a maximum of 5,000 AZN. For damage caused to individuals, the total maximum coverage extends to 50,000 AZN.

Insurance fees vary depending on travel time and purpose, insurance package, coverage and age of the insured. Before you travel, you must provide all the information to your insurance agent and the insurance fee will vary accordingly.

Depending on the insurance package you have selected with your insurance certificate, the followings:

• Medical expenses for accidents and sudden illnesses* 
• Medical transportation costs during accidents and sudden illnesses
• Repatriation costs during accidents and sudden illnesses
• Death of the insured as a result of an accident
• Determining first-hand disability to be insured as a result of an accident
• Baggage insurance when traveling abroad
• Canceling or changing the date of travel
• Delay of air travel flight** 
• Loss of passports and travel documents

* Limit on therapeutic and surgical treatment of cardiovascular diseases - 5000 AZN

** Unlimited waiting time - 1 day; Daily limit - 120

Information regarding medical expenses should be reported to the Service Center by the number specified in the Insurance Certificate (Police). In other insurance cases, you may apply directly to the Insurance Company hotline.

If you pay medical expenses yourself, you can apply to the Insurance Company within 30 calendar days of the date of your departure with the application and relevant documentation. It is also possible to clarify the list of documents by calling the hotline of the Insurance Company before applying. If it is not possible to report to the Service Center (if this is confirmed properly), you should do so at the first opportunity. Remember that the Insurance Company has the right not to pay expenses not agreed with the Service Center.

Insurer - a person who has purchased and owns an insurance policyInsured – a person whose property interests are insured under an insurance contract;

Insured - a part of the insurance contract who pays the insurance premium and has an insurable interest in the insurance of the insured object;

Example: Traveling abroad with your family as an ABB Mobile user, you take out travel insurance for yourself (in this case, the insurer) and at the same time for your family members - your spouse and children (in this case, the insured). In this case, you act as the insurer, and your family members as the insured.

Depending on the embassy you choose, the number of days insured may differ from your travel days.

An interval of 3-15 days is required depending on the embassy.

It is recommended that you check with the embassy you are visiting whether you need medical coverage for Covid-19.

Depending on the type of travel insurance you choose (Standard, Premium, Platinum) there may or may not be Covid-19 coverage (Platinum package – Covid-19 coverage (30,000 USD/EUR) meets embassy requirements)