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Public offer

of the conditions for online registration of an E-policy (electronic policy) for Compulsory insurance of civil liability of vehicle owners.
Alfa Invest > Public offer

This public offer (the “Offer” item) defines the requirements and conditions for the execution (conclusion / amendment and termination of the contract) of the E-policy (electronic policy) for Compulsory insurance of civil liability of vehicle owners (hereinafter referred to as “CICLVO”) online between the insurance company “ALFA INVEST” (hereinafter referred to as the “Insurer”) and the insured.

 

  1. General Provisions

 

This offer has been developed in accordance with the Civil Code of the Republic of Uzbekistan, with the Laws of the Republic of Uzbekistan “On Electronic Commerce”, “On Electronic Document Management”, “On Insurance Activities”, “On Compulsory Civil Liability Insurance of Vehicle Owners”, Decree of the President of the Republic of Uzbekistan dated August 02 2019 No. 4412 “On measures to reform and ensure the accelerated development of the insurance market of the Republic of Uzbekistan”, by the resolution of the Cabinet of Ministers of the Republic of Uzbekistan dated June 24 2008 No. 141 “On measures to implement the Law of the Republic of Uzbekistan on compulsory insurance of civil liability of vehicle owners” and Resolution No. 780 dated December 14, 2020 “On additional measures to improve the procedure for the provision of electronic insurance services“, as well as Rules for the sale, registration and verification of E-policies for compulsory civil liability insurance of vehicle owners (approved by the Resolution of the Cabinet of Ministers of the Republic of Uzbekistan No. 780 dated December 14, 2020) and the Rules for compulsory civil liability insurance of vehicle owners (approved by the Cabinet of Ministers of the Republic of Uzbekistan dated July 24, 2008 No. 141).

 

1.2. The territory of the Offer is the Republic of Uzbekistan.

1.3. Parties to the Offer: the Insurer and the Policyholder (User).

 

1.4. Before using the official website and mobile application, the Insured (User) should get acquainted with the terms of this offer. If the Policyholder (User) does not agree with any separate terms of the Offer or with the Offer as a whole, he is obliged to stop using the official website and mobile application. The use of the official website and mobile application means that the Insured (User), without any exceptions and restrictions, accepts and confirms his agreement with the terms of this Offer.

 

1.5. All actions on the use of the official website and mobile application by the Insured (User) are considered to be the use of the official website and mobile application. The insurer’s consent to the terms of the offer provided through the official website of the Insurer or a mobile application intended for CICLVO means that he accepts the terms of the offer unconditionally.

 

1.6. The exclusive right to the official website or mobile application belongs to the Insurer. The insurer has the right to change the form and other functions of the official website or mobile application at any time. The use of the official website and mobile application by the Insured (User) does not give him the right to use the name of the Insurer and his right to other intellectual property.

 

1.7. The Policyholder (User) is prohibited from performing the following actions through the official website and mobile application:

 

a) sell, transfer to third parties, rent out the official website and mobile application, and provide access to use on its own behalf;

b) work to improve the official website and mobile application, translate, copy and violate their integrity;

c) publish, download, otherwise distribute its components and files through the official website and mobile application;

d) use the official website and mobile application for personal commercial purposes;

e) violation of the rights of third parties and the use of the official website and mobile application for purposes prohibited by law.

 

1.8. By accepting the terms of this offer, the Insured (User) agrees with the following rights of the Insurer:

– automatic processing (collection, systematization, storage, modification, use, provision and destruction) of personal data of the Insured (User) in order to improve and improve the quality of the service provided;

– automatic storage and deletion of personal data provided by the Insured (User) and belonging to him, in accordance with the law.

1.9. The Insured (User) has the right to stop using the official website and mobile application at any time.

1.10. The insurer takes all legal, organizational and technical measures to ensure the confidentiality of the information received.

1.11. Rules for the sale, registration and verification of E-policies for compulsory civil liability insurance of vehicle owners (approved by the Resolution of the Cabinet of Ministers of the Republic of Uzbekistan No. 780 dated December 14, 2020) and the Rules for compulsory civil liability insurance of vehicle owners (approved by a resolution of the Cabinet of Ministers of the Republic of Uzbekistan dated July 24, 2008 No. 141) are an integral part of this Offer.

1.12. Access to the official website and mobile application is possible only if you have Internet connection. Therefore, the Insured (User) must provide himself with access to the Internet in accordance with the established procedure.

1.13. The insurer is not responsible for:

– losses associated with the use of the official website and mobile application by the Insured (User);

– consequences of the transfer by the Insured (User) of information from the official website and mobile application to a third party;

– non-use by the Insured (User) of the official website and mobile application, as well as for failure to provide services for reasons beyond the control of the Insurer.

1.14. Insurer details:

Postal address: Tashkent, Shaykhantakhur district, Labzak street 10;

B/acc. No. 2021 4000 5042 7360 6001 in OICB “Ipak Yuli”;

Bank Code:: 00444, TIN 204 628 206;

Tel: (+998 78) 120-68-00, 120-00-70, 120-00-80.

 

  1. Basic concepts

 

  1. The following concepts are used in this Offer:

 

E-policy – an insurance contract concluded in electronic form for compulsory civil liability insurance of vehicle owners;

insured event – the onset of civil liability of the policyholder or another person whose liability is insured under the E-policy of compulsory civil liability insurance of vehicle owners for causing harm to the life, health and (or) property of victims when using a vehicle, which entails the obligation of the insurer to make an insurance refund.

sum insured – the amount within which the insurer undertakes to reimburse the victim (his heir or legal successor) for the damage caused by the occurrence of an insured event;

insurance premium – the amount of money that the Insured must pay to the Insurer for the purchase of the E-policy;

insurance indemnity – the amount of funds within the insured amount paid by the Insurer to the victim to cover the harm caused to his life, health and (or) property resulting from the insured event specified in the E-policy;

Unified Information System – a unified information system for compulsory insurance, operating online, integrated with information systems and central databases of the Ministry of Internal Affairs, the Extra-budgetary Pension Fund under the Ministry of Finance of the Republic of Uzbekistan, other interested ministries and departments, central databases of individuals and legal entities;

close relatives of the vehicle owner – close relatives of the vehicle owner (parents, spouses), children, brothers, sisters who do not need a notarized power of attorney to use and operate the vehicle).

 

  1. Registration of the E-policy

3.1. Registration of the E-policy is carried out in the section of the official website of the insurance organization intended for CICLVO, or its mobile application.

 

3.2. The information received through the official website and the section of the mobile application intended for CICLVO will be used by the insurer only for issuing E-policies, verifying their authenticity and canceling them.

 

3.3. When providing personal data, the Policyholder (User) is obliged to do everything possible to comply with the following rules:

– do not download viruses and other malicious codes;

– do not perform actions that may negatively affect the operation of the official website and mobile application, which will lead to unnecessary reboot or crash;

– do not post false information;

– do not perform actions that contradict the legislation of the Republic of Uzbekistan.

 

3.4. To conclude an E-policy, the policyholder enters the following information for each vehicle into an electronic application for concluding an E-policy on the resource of the insurance organization on the Internet:

– personal identification number and series, the number of the identity document of the policyholder and / or individuals admitted to driving a vehicle (in the case of an E-policy on the condition that only certain persons are allowed to drive a vehicle);

– taxpayer identification number (for legal entities);

– personal identification number, as well as the series and number of the identity document of the owner of the vehicle (if the owner of the vehicle is another individual);

– email address (if available);

– phone number;

– state registration number of the vehicle for which the E-policy is concluded, the series and number of the registration certificate;

– if the policyholder belongs to the category of persons entitled to receive a discount in accordance with the law, – the corresponding numbers of documents (certificates) confirming belonging to the specified category, with a note on the availability of discounts for compulsory insurance;

– the corresponding numbers of documents confirming the degree of kinship of close relatives (father, mother, spouse, son, daughter, brother, sister), in respect of which the use and control of this vehicle is established at the discretion of the vehicle owner;

– place of registration of the vehicle;

– insurance period (one year, 6 months or more (during seasonal use of the vehicle), 10 days or more (until the moment of registration);

– to select a way for receiving a notification about the conclusion of the E-policy (by phone or e-mail).

At the same time, the corresponding information, if available in the unified information system, is filled in automatically.

3.5. If, when concluding an E-policy, the Unified Information System partially or completely does not work, i.e. state information bases are partially not working and / or communication with them is interrupted, the policyholder enters information into the application manually.

3.6. After completing the electronic application, the policyholder clicks the Submit button.

3.7. The information contained in the electronic application is checked by the responsible employees of the insurer for completeness and accuracy within one working day and the policyholder is notified of the possibility of entering the insurance premium or re-adjusting the data. If, within 24 hours from the date of submission of the application, the information is not re-checked and / or corrected by the insured, the insurance organization notifies the insured about the impossibility of concluding, reissuing and canceling the E-policy through the resource of the insurance organization on the global information network Internet or SMS-messages.

3.8. After receiving a notification that the policyholder can pay the insurance premium, he can pay through electronic payment systems (Payme, Upay, etc.), money order or cash.

3.9. The fact of payment of the insurance premium means that this Offer has been accepted by the policyholder.

3.10. The E-policy comes into force from the moment the Insured pays the insurance premium (note: a different period may be set). Unless otherwise specified in the E-policy, compulsory insurance applies to insured events that occurred after the entry into force of the electronic contract.

3.11. The notification about the concluded E-policy is sent in the form (SMS-message to phone or notification by e-mail) chosen by the policyholder and contains the following information:

– the name of the insurance organization;

– the size of the insurance premium;

– the term of the E-policy;

-unique number of the E-policy;

-link to the Unified Information System.

 

3.12. Following the link to the Unified Information System of the Insurer, you can download the E-policy.

3.13. The policyholder is responsible for the accuracy of electronic or scanned information and documents submitted to the insurance company.

 

  1. Rights and obligations of the parties

4.1. The insured has the following rights:

– require clarification from the Insurer regarding the E-policy;

– contacting the Insurer in the event of an accident.

 

4.2. Obligations of the Policyholder:

– to fulfill the obligation assigned to him by the E-policy, in the prescribed manner and terms;

– to pay insurance premiums under the E-policy on the terms and in the prescribed manner.

 

4.3. The Insurer has the following rights:

– involvement of relevant experts in the consideration of the application of the victim (his heirs or legal heirs);

– verification of the information provided by the insurer, control over the fulfillment by the insurer of the requirements and conditions of the insurance contract;

– to give recommendations for the prevention of insured events.

 

4.4. Obligations of the insurer

– free round-the-clock access to the resource of the insurance organization on the worldwide information network Internet;

– consider the appeal of the insured and (or) the victim to the insurer with a request to pay insurance compensation and (or) compensation;

– ensure the confidentiality of information about the insured and the victim obtained as a result of their activities.

 

4.5. The victim has the following rights:

– apply to the Insurer with a requirement to pay insurance compensation and (or) compensations;

– appeal in court of the Insurer’s decision to refuse to pay insurance compensation and (or) compensation.

– receiving insurance payments and (or) compensation on the conditions and in the manner established by law.

  1. Change and early termination of the E-policy

5.1. During the validity period of the E-policy, the insured must immediately notify the insurer of the change in the information specified in the application for the creation of the E-policy.

5.2. After receiving a notification about the change in the information provided when concluding the CICLVO contract, the Insurer makes the appropriate changes to the E-policy. In this case, the Insurer sends the modified E-policy to the Insured in accordance with the established procedure.

5.3. The E-policy of compulsory insurance is terminated early in the following cases:

– prohibition of the use of a vehicle in accordance with the established procedure;

– unsuitability of the vehicle specified in the E-policy for further operation;

– change of vehicle owner.

5.4. In case of early termination of the E-policy, part of the insurance premium is refunded in proportion to the amount of compensation paid and the remaining validity period of the E-policy in days.

5.5. The return to the policyholder (his legal representatives, heirs, successors) of a part of the Insured amount is carried out within 14 calendar days from the date of the corresponding request of the policyholder (his legal representatives, heirs, successors).

5.6. In this case, a part of the insurance premium to be returned to the policyholder can be credited to the insurance premium under the newly concluded E-policy, according to the policyholder’s application.

 

  1. Actions of persons upon the occurrence of an insured event

6.1. The Insured, who is a participant in a road traffic accident (RTA) that caused harm to the victims, is obliged, at the request of the victim (them), to provide him (them) with information about his E-policy under CICLVO.

6.2. In case an insured event occurs, the insured is obliged to perform the following actions:

– to provide the victim with a copy of the insurance policy no later than three calendar days from the date of the accident;

– to wait for the arrival of employees of the state traffic service, if possible, write down the names and addresses of eyewitnesses of the accident;

– immediately, no later than 72 hours after the accident, contact the insurer with a copy of the insurance policy about the incident;

– informs the insurer about all the requirements for him in connection with the insured event.

  1. Payment of the sum insured and (or) compensation

7.1. At the request of the victim or the Insured under the E-policy (with direct settlement of the insured event), in order to send a notification of the occurrence of an insured event, to determine the amount of damage caused and to make insurance payments, electronic or scanned copies of documents provided for by the Regulation on the Guarantee Fund for Compulsory Insurance of Civil Liability of Owners Vehicle, approved by the Resolution of the Cabinet of Ministers of June 24, 2008 No. 141, can be sent to the insurance company of the injured or the insured (in the case of direct settlement of the insured event) to the resource of the insurance company on the Internet.

7.2. If there are insufficient documents confirming the insured event and the amount of damage caused to a policyholder, the insurance company within three working days from the date of receipt of these documents sends information with a complete list of missing and (or) incorrectly executed documents to a victim or a policyholder (in the direct settlement of the insured event) to their e-mail address (if any) and (or) to the specified phone number via SMS.

7.3. Electronic information about the complete list of the submitted documents and the date of acceptance is sent to the applicant to the e-mail address specified by him (if any) and (or) is indicated in the applicant’s personal account on the resource of the insurance organization on the Internet.

 

  1. Amount of the sum insured, insurance premium, insurance compensation and (or) payments

 

8.1. The insured amount for CICLVO is 40,000,000 (forty million) soums, of which:

– 35% is paid in case of damage to the property of the victim – 14,000,000 (fourteen million) soums;

– 65% for causing harm to the life and health of the victim – 26,000,000 (twenty six million) soums.

8.2. The amount of the insurance premium payable by the insured under CICLVO for a period of 1 (one) * year is:

 

Vehicle type Tashkent city and Tashkent region** Other regions**
With  limitation of the number of drivers*** Without Limitation of the number  of drivers**** With  limitation of the number of drivers*** Without Limitation of the number  of drivers****
Cars 56 000,00 168 000,00 40 000,00 120 000,00
Trucks, buses and minibuses 67 200,00 201 600,00 48 000,00 144 000,00
Motorcycle, tractors, self-propelled road construction and other machines 22 400,00 67 200,00 16 000,00 48 000,00

 

* In an electronic application, when the insurance period is 6 months or before the place of registration, the insurance premium will be notified to the policyholder in the process of filling out an electronic application in an amount less than the amount indicated in the table.

** Place of registration of the vehicle.

            *** Registration with the condition of a limited number of persons allowed to drive a vehicle.

            **** Registration with the condition without limiting the number of persons allowed to drive a vehicle.

8.3. The amount of the insurance premium payable by the policyholder is determined in accordance with the data entered in the electronic application for creating an E-policy, as well as taking into account the right to a discount.

 

  1. Conditions for processing personal data

9.1. To conclude an E-policy, the policyholder provides his personal data, by entering these data into an electronic application for the E-policy, he agrees to the processing of his data.

9.2. The processing of personal data is carried out by the Insurer in accordance with the legislation of the Republic of Uzbekistan in order to fulfill obligations under the insurance contract.

 

  1. Final provisions

 

10.1. Disputes related to these Rules are resolved in the manner prescribed by law. The parties are released from liability if the failure to fulfill obligations under the offer is caused by force majeure.

10.2. In the event of disputes, claims or disagreements on the issues provided for or related to this offer, the parties take measures to resolve them through negotiations.

10.3. If it is impossible to resolve disputes, claims or disagreements through negotiations, they are subject to resolution in the appropriate court at the location of the Insurer in accordance with the legislation of the Republic of Uzbekistan. If it is impossible to resolve disputes, claims or disputes through negotiations, they are subject to resolution in accordance with the terms of the legislation of the Republic of Uzbekistan in the appropriate court at the location of the insurer.

10.4. Relationships not specified in this offer are governed by the legislation of the Republic of Uzbekistan.