A contract-defined interval during which specified losses are not covered. Check the policy for its duration, starting point and the risks to which it applies.
You have paid for a policy, but cover has not yet started. If your car is damaged in that interval, having paid for the contract does not by itself mean the repair will be reimbursed. Check whether a time deductible applies and when protection begins.
A time deductible defines an interval during which specified losses are not covered. Unlike a monetary deductible, it concerns time rather than an amount withheld.
Put simply:
The clause depends on the product. The clock may start when the contract is issued, payment is made or another specified event occurs. The purchase date and the start of insurance protection therefore do not always coincide. Check the time as well as the date if it appears in the policy.
In motor insurance, this mechanism appears in the terms of EURO KASKO. Check the applicable period and starting point in the current offer and your own policy, rather than someone else's example.
In some other types of insurance, a time deductible concerns a period of loss after the incident for which compensation is not payable. That uses a different starting point. Do not apply it to a motor contract unless the contract contains that clause.
A waiting period before cover starts is different from the deadline for handling a claim or transferring money. Those deadlines describe what the insurer does after a claim is submitted, rather than which events are covered.
Do not confuse it with a conditional monetary deductible, which compares the loss amount with a threshold. The word 'conditional' in a time-deductible clause does not necessarily mean the same calculation. A policy may have both time and monetary restrictions.
Even after cover starts, damage to an uninsured part does not become covered. The passage of time alone creates no right to payment: the outcome depends on the contract.
Record the actual date, time and circumstances of the damage and tell the insurer using the contract's procedure. For incidents without a collision, see the guide to KASKO claims without an accident.
Do not wait for the time deductible to expire before reporting an incident. Where the waiting period precedes cover, a later claim does not move the time of the damage or make earlier damage insured.
Drivers buying a policy before a trip, renewing it or choosing cover for individual car parts. Before setting off, check when protection against the relevant risk actually begins.
The three stories below are fictional. Their times and amounts are illustrative, not EURO KASKO coverage schedules or actual company payouts.
Illustrative example. Nodira from Tashkent has a hypothetical policy with cover starting at 10:00. A covered collision occurs at 12:00 that day, causing damage of 3 000 000 sum; there is no monetary deductible and the limit is sufficient.
After checking the claim, the insurer paid 3 000 000 sum. The damage occurred after cover started, and the other terms of this illustrative contract allowed compensation.
Illustrative example. Aziz from Samarkand has a waiting period before cover that ends at 10:00. His car is damaged at 09:00 that day; the loss is 2 000 000 sum. He submits the claim the following day.
The damage was not covered because it occurred before protection started. Reporting it later does not change the event time or remove the illustrative policy's time restriction.
Illustrative example. Bekzod from Andijan has completed the waiting period. A car part not included in his hypothetical policy is damaged; repairs are assessed at 4 000 000 sum.
The insurance did not cover this repair. The expiry of a time deductible does not add uninsured car parts to the contract.
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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