Accidents are inevitable and unpredictable during road traffic.You may as well stumble at the peak hours and cause damages to other persons’ life, health or property.
In this case you are responsible for the damages caused and have to compensate them.
CMTPL will solve this issue and We will compensate the personal and property damages caused by yourself to the third party on your behalf.
INSURANCE OBJECTS
CMTPL is compulsory for the following means of transportation:
Damages subject to compensation
The maximum size of the compensation
Insurance period
CMTPL policy is signed for a minimum of 3 years and maximum 1 year, (except for “transit” and “temporary import” customs regime,as well as vehicles imported to RA territory by driving, for which CMTPL policy is being signed for a period of 10 days).
Insurance rate
The size of the amount to be paid for the CMTPL, the insurance premium, is calculated taking into account the following risk factors:
You can get information on your current bonus-malus class online through CMTPL online surveys section located on Bureau’s website.
CMTPL policy can be issued at:
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
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.
