KASKO calculator for electric vehicles in Uzbekistan

Frequently Asked Questions about KASKO for Electric Vehicles

• Does KASKO cover the electric vehicle battery?

  The battery is part of the car, so it needs no separate policy: it is covered together with the vehicle under the plan you choose. SIMPLE covers road accidents only. LITE adds theft, fire and explosion (including the battery catching fire), natural disasters and man-made accidents (including flooding), falling objects, collisions with animals, unlawful acts of third parties, burglary and robbery, including armed robbery. What the offer does not cover: natural wear and tear of the car and its parts, including the gradual loss of battery capacity, loss of market value and manufacturing defects.

• How much does KASKO for Tesla cost in Uzbekistan?

  The price is a percentage of the sum insured, and the sum insured equals the value of the car on the date the policy is issued. A Tesla in Uzbekistan usually costs more than 500 million UZS, so the rates for that group apply: SIMPLE — 1.2%, LITE — 1.5%, SMART — 1.7%, DELUXE — 2.5%. Examples based on indicative market prices: • Tesla Model 3 (about 540 million UZS): LITE — 8.1 million UZS a year, SMART — 9.18 million, DELUXE — 13.5 million • Tesla Model Y (about 660 million UZS): LITE — 9.9 million UZS a year, SMART — 11.22 million, DELUXE — 16.5 million • Tesla Model S (about 1.02 billion UZS): LITE — 15.3 million UZS a year, SMART — 17.34 million, DELUXE — 25.5 million If the car is worth up to 500 million UZS, the rates are lower: 1.0%, 1.3%, 1.5% and 2.2%. The calculator will show the exact amount — enter the value of the car and choose a plan. The age of the car and the driver’s experience do not affect the rate.

• Does KASKO cover damage from improper charging?

  It depends on what exactly happened. If charging caused a fire or explosion, that risk is covered from the LITE plan onwards, including when the battery itself catches fire. Damage caused by unlawful actions of third parties is also covered from LITE onwards. An electronics failure on its own, without an external event, is not an insured event: the offer does not cover natural wear and tear, manufacturing defects or loss of market value. A home charging station and any other equipment that is not permanently attached to the car are not covered by a KASKO policy. For any event you will need real-time video evidence from the scene — without it the claim may be declined.

• Is it possible to insure an electric vehicle purchased abroad?

  Yes, provided the car is registered in Uzbekistan. To take out a policy you will need: • The vehicle registration certificate (technical passport) • Documents confirming the value of the car: the sale contract, or the customs declaration for recently imported vehicles • A 360° video inspection in the EAI app The policy is issued the same day, once a responsible employee approves the video inspection and the premium is paid. Damage that was already on the car before the policy was issued is not covered — the video inspection records the condition of the car at the start. All other risks apply within the chosen plan.

• How does electric vehicle insurance differ from a regular car?

  Under the offer there is no difference: the plans, risks, limits and claim procedures are the same for every car. The differences are practical: • Policy cost: electric vehicles are more expensive, so the premium in UZS is higher, although the rate is the same — from 1.0% to 2.5% depending on the plan and the value of the car • The battery, inverter and electric motor are parts of the car: they are covered within the chosen plan, there is no separate rate for them • Repairs: original spare parts and specialised service centres, and parts delivery can take time • Towing under SMART and DELUXE is paid for an insured event — from the scene to the nearest service station or parking. A flat battery is not an insured event The offer has no deductible: the payout is calculated within the sum insured and the limits of the chosen plan.

• What should I do after a road accident in an electric car?

  1. Make the scene safe: switch on the hazard lights and put out the warning triangle. 2. Record video at the scene — in the EAI app or on your phone, in real time, without moving anything. Capture both the damage and its cause: the object you hit, debris, marks. Without video evidence from the scene the claim may be declined. 3. Report the event to the competent authorities immediately — the Road Safety Department, and the police if needed. 4. Call EUROASIA on 1147, around the clock. 5. Europrotocol: under the SMART and DELUXE plans an accident report drawn up in line with Resolution of the Cabinet of Ministers No. 141 and accepted by the at-fault driver’s OSAGO insurer is also accepted under the KASKO contract. 6. Do not start repairs before an insurer’s representative inspects the car. For an electric vehicle: if the underbody is damaged near the battery, do not try to start or move the car — call a tow truck.

• What documents do I need to buy KASKO for an electric car?

  To take out a policy online you will need: • The vehicle registration certificate (technical passport) • The owner’s passport or ID card • A 360° video inspection of the car in the EAI app You may also need the sale contract for a recently purchased car and the customs declaration for an imported one. The policy is generated automatically and sent to the email address you provide once the video inspection is approved and the premium is paid. If the app does not work, call 1147 — photos and video can be sent to info@eai.uz. A claim requires a different set of documents: the policy, an application, materials from the Road Safety Department and a damage assessment by a licensed appraisal organization.