A contract threshold: losses at or below it are not paid; above it, the deductible itself is not subtracted. Other policy restrictions still apply.
After your car was damaged, you noticed a threshold in the contract below which you pay for repairs yourself. With a conditional deductible, the threshold amount is not subtracted once the loss exceeds it. First, though, check that the policy covers the event.
A conditional deductible is a type of deductible under which a loss is not paid if it does not exceed a stated amount. When the covered loss is higher, that amount is not deducted. The rest of the contract still applies.
Put simply:
An unconditional deductible reduces the covered loss by the amount specified in the contract wherever it applies. A conditional deductible works as a threshold: exceeding it removes that particular deduction.
The amount alone is therefore not enough. Check the type and the calculation method. A deductible is not a separate payment to the insurer before receiving compensation.
When reading KASKO terms, it helps to distinguish these mechanisms. Do not assume that a conditional deductible applies: this must follow from the individual contract. This example does not mean every EUROASIA programme offers that option.
A covered loss is damage arising from an insured event that counts towards the settlement under the contract. A garage invoice alone does not establish the payout. The sum insured, limits and other terms can affect the result independently of the deductible.
A loss equal to the threshold does not exceed it. Check this boundary when comparing the repair amount with the policy.
Do not automatically subtract a conditional deductible as you would an unconditional one. Exceeding the threshold is not a promise to pay for any repair: ordinary wear, for example, may be excluded.
Record the damage and contact the insurer using the contract's procedure. For events without a collision, see the guide to KASKO claims without an accident. Check your own policy for the applicable requirements and final calculation: compensation depends on the contract.
Drivers comparing contracts or trying to understand a settlement. Deductibles of the same amount can produce different payouts if they are different types.
Consider a damaged bumper: first check the cause, then determine the covered loss and compare it with the threshold. The three stories below are fictional and use illustrative amounts. They are teaching examples, not EUROASIA rates or actual claims.
Illustrative example. After a covered collision, Nodira from Tashkent had an assessed loss of 3 000 000 sum. Her contract specified a conditional deductible of 1 000 000 sum.
The loss exceeded the threshold. With a sufficient limit and no other reductions, the insurer paid 3 000 000 sum. The conditional deductible itself was not subtracted.
Illustrative example. Aziz from Samarkand reported damage to his car. The covered loss was assessed at 1 000 000 sum, and the conditional deductible for this event was also 1 000 000 sum.
Equality does not count as exceeding the threshold, so there is no payment. Aziz needs to check the deductible type and loss calculation rather than expect compensation simply because the amounts match.
Illustrative example. Bekzod from Andijan paid 2 000 000 sum to repair a worn car component. His contract had a conditional deductible of 1 000 000 sum, but ordinary wear was excluded.
Despite exceeding the threshold, the repair was not covered because its cause was outside the cover. The deductible applies to insured losses and does not remove exclusions.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor Third-Party Liability is an obligation to compensate for harm caused to other people or their property through the use of a vehicle. Who is responsible for the harm is determined by law and the circumstances of the incident.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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