It is necessary to provide the following documents and details for signing a CMTPL insurance policy:
Bonus-Malus represents a system of insurance premium discounts and extra premiums in the field of CMTPL, according to which the insurance premium defined per the CMTPL policy is calculated based on the insurance history of the insured.
Based on the insurance history, the insured gets either bonus or malus class appearing in a respective risk group.
Certain coefficients correspond to each Bonus-Malus class, the application of which brings up a change of insurance premium.
In other words, Bonus-Malus allows to create such conditions, when the disciplined driver pays less, whereas the risky driver pays more.
Bonus-Malus classes are defined as per the below table:
|
BM GROUP |
BM CLASS |
THE SIZE OF THE BM COEFFICIENT |
|
HIGH RISK |
Class 25 |
300% |
|
Class 24 |
300% |
|
|
Class 23 |
290% |
|
|
Class 22 |
270% |
|
|
Class 21 |
250% |
|
|
Class 20 |
250% |
|
|
Class 19 |
230% |
|
|
|
||
|
MEDIUM RISK |
Class 18 |
200% |
|
Class 17 |
160% |
|
|
Class 16 |
150% |
|
|
Class 15 |
140% |
|
|
Class 14 |
130% |
|
|
Class 13 |
125% |
|
|
Class 12 |
115% |
|
|
Class 11 |
110% |
|
|
|
||
|
BASIC |
Class 10 |
100% |
|
|
||
|
LOW RISK |
Class 9 |
97% |
|
Class 8 |
94% |
|
|
Class 7 |
91% |
|
|
Class 6 |
88% |
|
|
Class 5 |
85% |
|
|
Class 4 |
82% |
|
|
Class 3 |
75% |
|
|
Class 2 |
65% |
|
|
Class 1 |
50% |
|
You can find more information on Bonus-Malus system here
In case of an Insurance event, it is necessary to:
In case of property damage of up to AMD 100,000
If:
then, it is necessary to:
1. Immediately inform SIL INSURANCE Company by the 24/7 telephone number (+37410) 56-88-27 and follow the instructions of the Company’s employees.
2. Take at least 3 pictures of the vehicles involved in the accident, by any means, including any phone.Moreover, the photography (video) shall be performed the way that the photos (video) at least reflect the post-accident mutual positions of the two vehicles and the total damages of each vehicle as a result of an accident.
3. Fill out and sign the Agreed Statement(by the drivers involved in the accident).
4.Free the roadway, in case if the post-accident positions of the vehiclesdisturb the general traffic.
The injured shall provide the following to the insurance company within 5 working days after the occurrence of the accident:
In case of standard claims procedure, it is necessary to:
3. Not relocate the vehicle or objects related to the accident, not leave the accident site until the arrival of the employees of a respective authorized body (bodies) and our company’s representative.
4. Take reasonable and necessary measures to prevent or minimize the damages.
5. Not take any responsibility or make any offer, promise or payment without the company’s agreement.
6. Pass a sobriety test, if necessary.
7. Not perform repair works of the damages without the company’s agreement.
8. Inform Our company in a written form by submitting a claim form not later, than within 2 working days after the occurrence of the event.
According to the law on CMTPL, the Guarantee Fund is a fund created within the Bureau, at the expense of which compensations are provided to the injured persons, in cases stipulated by the Law.
The Guarantee Fund is formed from the lump-sum, periodic and additional installments by the Bureau members, from other means stipulated by the law, as well as from assets, where they have been invested, and income derived from their management.
On behalf of the Guarantee Fund, Bureau shall compensate the damages caused to the injured persons, if:
Bureau may refuse the damage compensation on behalf of the Guarantee Fund means, if:
Bureau has the right of subrogation, if:
According to the law on CMTPL, the Guarantee Fund is a fund created within the Bureau, at the expense of which compensations are provided to the injured persons, in cases stipulated by the Law.
The Guarantee Fund is formed from the lump-sum, periodic and additional installments by the Bureau members, from other means stipulated by the law, as well as from assets, where they have been invested, and income derived from their management.
On behalf of the Guarantee Fund, Bureau shall compensate the damages caused to the injured persons, if:
Bureau may refuse the damage compensation on behalf of the Guarantee Fund means, if:
Bureau has the right of subrogation, if:
Upon discrepancies between the English and the Armenian versions of the published information, the Armenian version shall prevail.
“Sil Insurance” ICJSC shall be waived from the liability of the links within the website that lead to other websites, their content accuracy, truthfulness, the advertisements put there, as well as possible circumstances of the information put on the website.
Հայաստանի Ավտոապահովագրողների Բյուրոյի խորհրդի սույն թվականի հունվարի 26-ի թիվ 5-Լ որոշման համաձայն` 2023 թվականի ապրիլի 1-ից ԱՊՊԱ ոլորտում կիրառվող բոլոր ապահովագրավճարները հաշվարկվելու են Ապահովագրական ընկերությունների կողմից մշակված գնագոյացման մոդելների (այսուհետ՝ Մոդել) հիման վրա։ ՍԻԼ ԻՆՇՈՒՐԱՆՍ ԱՓԲԸ մոդելի հիման վրա հաշվարկված բազային ապահովագրավճարները տատանվում են 24,000 – 82,000 ՀՀ դրամի սահմաններում, որի վրա կիրառելով պայմանագրի ժամկետից կախված կարգավորիչ գործակիցները և Ապահովադրի ԲՄ դասին համարժեք գործակիցը ստացվում է վերջնական ապահովագրավճարը։ Մոդելի հաշվարկման հիմքում ընկած են Ապահովադրի գրանցման մարզը, ՏՄ մակնիշը և այլ ռիսկային գործոններ, որոնց առավել մանրամասն կարող եք ծանոթանալ և հաշվարկել Ձեր ՏՄ–ի ապահովագրավճարը ստորև ներկայացված հաշվիչի միջոցով։
* You can get information on your current bonus-malus class online through CMTPL online surveys section located on Bureau’s website.
In case of inquiries regarding the CMTPL calculator please call us at (+37460) 54-00-00, or email at [email protected], or visit the Company’s office at 3 and 5 Aram St., Yerevan, RA.
