Motor vehicle insurance

Comprehensive insurance compensates the owner of the car for the injuries or damage suffered by persons or property arising from a traffic accident where his/her own car was involved. Seesam offers two different possibilities for insuring a vehicle via coverage of different scopes – full comprehensive insurance and semi-comprehensive insurance.

Full comprehensive insurance offers protection against the risks of traffic, natural disaster, fire, theft, burglary and vandalism.

Semi-comprehensive insurance compensates for the damages arising from traffic accidents, natural disasters and fires.

Additional protection to comprehensive insurance

To ensure more complete insurance protection, it is rational to select additional insurance opportunities to supplement the basic package for full or semi-comprehensive motor hull insurance.

Window coverage compensates for window damage arising from the breaking of the windscreen and passenger compartment windows. In case of repairing the glass, there exists a 0-excess. Regarding replacement of the glass, an excess of 10% of the amount of loss will be implemented. In the case of cars, all windows are insured; in the case of trucks and buses, it covers only the windscreen. Together with the screen, the opaque plastic sheet installed on the glass will be compensated for.

New value coverage is intended for cars up to one year old. Typically, comprehensive insurance compensates for the damages arising from the destruction or theft of the car in the amount of its market price before the accident. However, if the vehicle has the additional new value coverage protection, the owner is indemnified the purchase price of the vehicle.

New additional protection! Leasing value coverage. If the vehicle is destroyed or you lose it as a result of theft or burglary, you may find yourself owing a large amount of money to the lessor regardless of the insurance indemnity. That may happen if the market value of the vehicle is lower than the residual value of the leasing. For such cases we offer leasing value coverage, which compensates for the residual value of the leasing in case of comprehensive damage to the vehicle, if the said residual value exceeds the vehicle’s market value.

Replacement vehicle assistance coverage is important in ensuring that after an accident there would be no disruption to the daily life of a person who mainly moves around by car. If a car has become unusable or is being repaired at a given moment, it is possible to lease a replacement car for the period in question. The insurance compensates for the expenses of the replacement transportation, whether it is the cost of the rental of a replacement car or a taxi ride.

Accident coverage. It is inevitable that accidents with a very bleak end will occur in traffic. Although it is impossible to change what has happened, the accident coverage offered by Seesam helps to cope with the results better. In case of the accident coverage, people travelling in the vehicle at the moment of the accident are insured - and an insurance indemnity will be paid in the case of their death or if they become disabled.

Lease payment coverage. In case there is an accident involving a leased car, and people are injured and therefore forced to stay home on sick leave, the owner of the car is not exempted from the obligation to pay the monthly leasing payment. A temporary absence from work may result in a considerable loss of income. In that case, the leasing payment coverage compensates for the leasing payments of the vehicle for up to 90 days.

Seesam offers window coverage to all vehicles, other abovementioned types of supplementary protection are offered only for cars and light trucks.