CMTPL is not just liability insurance it’s a safe and reliable companion for every driver.

It protects you not only from legal consequences but also from financial and social burdens by compensating for property and personal damages caused in the event of a road accident.

CMTPL ensures the protection of the interests of the injured parties, including pedestrians, passengers, and even the driver, by providing compensation for damage to health or property.

In the case of personal injury, the maximum compensation limits are:

• AMD 3,300,000 per injured party
• AMD 33,000,000 per insured event

In the case of property damage, the maximum compensation limits are:

• AMD 1,800,000 per injured party
• AMD 18,000,000 per insured event

If the amount of damage exceeds these limits, the difference may be covered under a CMTPL + contract (see more details under the CMTPL+ product).

Insurance Premium
Starting January 30, 2025, the new CMTPL premium calculation model is based on the following factors:

• Type of the insured party
• Region of registration
• Age ranges of the vehicles
• Vehicle type
• Vehicle brand
• Place of registration
• Horsepower
• Type of activity

Based on the analyzed risk factors, different risk groups have been formed, directly affecting the insurance premium.

The base insurance premium is AMD 41,000, but depending on the risk group:

• Minimum base premium: AMD 29,000
• Maximum base premium: AMD 102,500

Regulating coefficients are applied depending on the contract duration. These coefficients apply to the annual insurance premium. Below are the coefficients according to the contract period:

Bonus-Malus
The Bonus-Malus system is a system of discounts and surcharges in the CMTPL sphere. It is an important component in the premium calculation, based on the insured's insurance history. Drivers with good histories receive bonuses (discounts), while those with frequent claims may face malus (surcharges).

More details: Bonus-Malus Information

Check your current Bonus-Malus class online: BM Class Check

More on this and other topics: Appa Bureau Rules

Quick and Simple Process
If an accident occurs, you and the other driver can handle it yourselves, without police or insurance representatives present.

Just:

• Fill in the Agreed Declaration form
• Take photos of the accident scene and damages
• Leave the accident scene

The simplified process helps avoid unnecessary delays

Conditions for applying the Simplified process:

• Only two vehicles are involved, and only these vehicles are damaged
• At least one of the involved vehicles has valid CMTPL contract
• One of the drivers fully admits fault
• The claim by the affected driver does not exceed AMD 100,000 (paper form required)
• If using a mobile app:
• In Yerevan: compensation not exceeding AMD 400,000
• Outside Yerevan: up to AMD 200,000

Steps for Registration Under the Simplified process

Take photos of the accident:
At least three photos:

• Position of both vehicles
• Visible damage
• License plates

Fill in the Agreed Declaration:
 Using the provided paper form or
 Through the appropriate mobile app (scan APPA QR)

Note: The form must be signed by both drivers.

Inform the insurance company:
The at-fault driver must notify their insurer by phone within 40 minutes.

Clear the roadway:
If the vehicles block traffic, move them to a safe area.

Steps for the affected party:
The affected driver can contact their insurer for instructions and leave the accident scene.

When the Standard Procedure Applies
If the simplified conditions are not met, the standard procedure must be followed:

1. Inform the insurer within 40 minutes
2. Call the Police (dial 1-02)
3. Do not move the vehicles
4. Fill in the necessary documents in the presence of the police
5. Leave the scene after documentation is complete
6. The claim will proceed after police reports are submitted