Damage to or destruction of equipment permanently fitted to a vehicle that was not part of its factory specification. Compensation depends on the contract.
You fitted a new audio system after buying your car. An accident damaged both the car and the system. You have KASKO insurance, but first you need to check whether the added equipment is covered.
Damage to additional vehicle equipment means damage to or destruction of equipment permanently fitted to a car that was not part of its factory specification. Both the equipment and the cause of the damage matter for insurance.
Put simply:
With KASKO car insurance, check how the car and its equipment are described. The EUROASIA offer defines the insured car by its factory specification. Do not assume that every device added later is already covered.
The equipment must be part of the insured property, and the event must meet the contract's conditions. Before buying a policy, ask the insurer whether your equipment can be included and how this will be recorded. A shop receipt proves a purchase; it does not establish insurance cover.
Impact damage after an accident and a device failing through ordinary wear have different causes. Visible damage alone does not mean the insurer must pay for repairs: check the covered risks and exclusions.
Replacing a damaged device with a more expensive one does not mean the insurer will pay for the upgrade either. Keep purchase and installation records to help establish which equipment was fitted and what it cost.
Underinsurance occurs when property is insured for less than its insurance value. The insurance payout is then calculated proportionally. This can reduce compensation even if the equipment is only partly damaged. The exact calculation depends on the contract.
It is easy to treat belongings in the cabin as part of the car, or a purchase receipt as proof of insurance. If you fit new equipment after taking out the policy, ask the insurer how to include it in the contract.
If the equipment is damaged, record the damage and contact the insurer as your contract requires. The guide to KASKO claims without a collision explains further steps for other incidents; check the applicable requirements in your own policy.
This term is useful for owners of cars with added equipment and buyers of used cars with devices already fitted. Before taking out insurance, compare the car's actual equipment with the description of the insured property.
For example, two otherwise identical cars may have different audio systems. When buying one used, compare the system described in the paperwork with the one in the car, and check its insurance cover separately. The three examples below are fictional: names, circumstances and amounts are illustrative, not EUROASIA claims records.
Illustrative example. Nodira from Tashkent included a permanently fitted audio system in her contract. After a covered accident, the agreed repair cost was 2 000 000 sum.
In this example, the equipment was insured for its full value, the sum insured was sufficient, and there was no deductible or other reduction. The insurer paid 2 000 000 sum for repairs because both the equipment and the event were covered.
Illustrative example. Aziz from Samarkand insured a fitted audio system valued at 10 000 000 sum for 5 000 000 sum. Damage from a covered accident came to 2 000 000 sum.
Under proportional settlement, the calculation is 2 000 000 × 5 000 000 / 10 000 000 = 1 000 000 sum. This is before any deductible or other reduction. Aziz paid the remaining repair cost himself.
Illustrative example. Bekzod from Andijan had a laptop on the seat when it was damaged in an accident. The loss was 4 000 000 sum. His policy covered the car but not personal belongings.
The laptop was not permanently fitted equipment and was not part of the insured property. The policy therefore did not pay for it, even if the accident itself was a covered event.
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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