National joint stock insurance company "Oranta" performs motor transport insurance of legal entities in case of its loss or damage, caused as a result of:
road traffic accidents;
act of Nature, free fall of subjects on insured motor vehicle, animals’ attack;
fire, explosion, spontaneous ignition;
third party illegal activities, not concerned with unlawful possession. Namely, theft or attempt of theft, robbery, brigandage, etc;
unlawful possession through theft, robbery, brigandage.
Due to the choice of motor vehicle’s owner and or operator, the insurance contract may cover all mentioned risks (full HULL) or it may be concluded only on some of them (partial HULL).
"Oranta" Incorporated accepts for insurance any motor vehicles with the service life up to 8 years, namely:
motor cars, trucks, ranch wagons;
buses and minibuses;
trailers, semi trailers;
agricultural and special machines.
Sum insured is determined by the mutual consent of the parties as:
an actual cost of motor vehicle at the moment of contract conclusion;
a partial one from actual cost of motor vehicle.
Insurance contract is concluded, as a rule, on terms of franchise — a personal participation of a motor vehicle’s owner and / or operator in indemnity of losses. Franchise is determined in percentage from Sum insured or in absolute expression.
By conclusion of insurance contract, Insured may choose the option — "without franchise on glass" and, regardless of franchise amount due to the contract, at any damage of glass parts, the franchise will not be used!
Insurance tariff depends on the chosen insurance risks, type and model of a motor vehicle, service life, experience and age of drivers, on availability of additional antitheft device, franchise amount, other factors and is within 3,5 - 8% of Sum insured.
By damage of glass parts and / or by insignificant (up to 2% from Sum insured) damages of a motor vehicle, the reference from State Motor Vehicle Inspectorate is not compulsory.
RTA is accepted as an insured event even in the case of driver’s outraging any traffic Rules.
No restrictions have been established to preserve an insured motor vehicle at nighttime!
Insurance indemnity is paid out within the limits of Sum insured, taking into account expenses on the motor vehicle’s repair.
By contract conclusion, Insured may choose the variant for determination of renewing repair cost:
due to the jury of expert estimate;
due to the calculation of guarantee service station.
Insurance territory is the territory of Ukraine. Due to customer’s desire the insurance territory may be spread over the territory of CIS and European countries (except zones of military conflicts).
By motor transport risks insurance in "Oranta" Incorporated it has been anticipated the discount and premium "Bonus-Malus" system, which provides discounts from insurance payment for the next year, if there have been no insured events in the previous year, and premiums to insurance payment, if during contract validity there have happened insured events through the fault of motor vehicle’s owner and / or operator.