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In this page you can find the most common questions given by our clients and their answers. All questions and answers are included in appropriate sections which are divided by insurance types.

If You have any question, the answer to which You cannot find in current page, please give Your question in the appropriate section and we will be pleased to answer You.

General Questions

How to purchase insurance policy?

“INGO ARMENIA” Insurance CJSC offers several methods of insurance policy order.

  • You can purchase insurance policy at one of the officesof our company
  • Call an agent.
  • Call our 24/7 Call center by telephone number 010 59 21 21 and order a policy
  • If you want to order a CMTPL policy You can order it through our IPhone application here.

The staff of the company is always ready to help You to sign an insurance contract for several types of insurance, as well as get necessary answers to all your questions.

I wish to get to know the conditions of various types of insurance in details but I can not manage to visit Your office due to being very busy. How can You help me?

You just need to fill the fields in section “Call agent” in our website and our agent will meet You at a place and time suitable for You and will present the conditions of all types of insurance, in which You are interested.

Where shall I submit my documents?

  • The documents related to medical, travel and motor accident bodily injuries should be submitted to Personal Contact Center at 18/1 Vardanants str., Yerevan.
  • The documents related to property (non-personal) insurance accidents should be submitted to Non-personal Contact Center, 116/5 A.Avetisyan str., Yerevan.
  • In all other cases should be submitted to INGO ARMENIA Insurance CJSC head office, 51,53 Hanrapetuyan, Yerevan.

How much time is it needed for the specialist of insurance company to arrive to the accident place?

The specialist of an insurance company is obliged to arrive to the accident site within 35 minutes since the notice to the insurance company if the accident took place in Yerevan, or within 80 minutes if the accident took place in the marzes of RA. The new control system and availability of experts in all marzes of RA enables “INGO ARMENIA” to fulfill its obligations in shorter period of time.

What documents am I required to be submit in case of a CMTPL accident?

  • Passport of the driver
  • Driving license of the driver
  • Registration certificate of the vehicle (permanent or temporary)
  • Passport of the owner of the vehicle (if the driver is not the owner of the vehicle)
  • Bank account, to which the money should be transferred
  • Ownership certificate or purchase and sale agreement (if available)
  • Credentials (if another person is acting instead of the owner of the vehicle) the notary validation is not required
  • Appropriate document given by the road police (conclusion and/or decision) or declaration (if the damage does not exceed 400.000 AMD)
Motor Insurance

What to do in case of accident?

If your vehicle was damaged in the result of an accident you should:

  • Inform the following competent authorities:
    • In case of traffic accidents inform the traffic police of Armenia, 1-77, 010 52 27 63
    • In case of illegal actions by the third parties inform the RA Police, 1-02
    • In case of fire and explosion inform the fire service of the RA, 1-01
    • In case of natural disasters inform the Ministry of Emergency Situations of RA, 911
    • In case of injury inform an ambulance, 1-03
  • Immediately call 010 59 21 21 and report about the insured accident “INGO ARMENIA” ICJSC and follow the instructions of a specialist
  • Do not move the vehicle until the arrival of authorities and the representative of “INGO ARMENIA” ICJSC
  • Write down the state numbers of cars participating in the accident
  • Take photos (including by cell phone) of the accident site and its’ participants, if possible
  • Strictly prohibited admission of guilt or coming to an any other agreement without informing “INGO ARMENIA” ICJSC
  • Please carefully read before signing the documents about the crash or something else, drawn up by the authorities
  • Under the instruction of RA Traffic Police Officer or “INGO ARMENIA” company’s specialist pass field sobriety test.

What documents do I need to present a compensation demand?

To submit a compensation demand you need to provide the following basic documents:

  • Written statement on insurance accident
  • Insurance Policy
  • Documents proving the identity (in the case of a legal entity a certificate of registration with the liner containing the manager’s data)
  • Power of attorney, if the applicant is not the owner
  • Driving license and passport of the driver
  • Certificate of vehicle registration (technical certificate) (original or approved copy, if the vehicle is under a pledge)

As well:

  • In case of RTA (road traffic accident)
    • Standard procedure of damages compensation
      • Protocol of driver’s sobriety test (except in cases when the company frees the driver from the obligation to pass this test)
      • The document confirming the accident (the conclusion of the Traffic Police of Armenia, or the investigator’s decision)
      • The scheme of the accident, drawn up by the traffic police
      • Explanation of the driver or drivers
      • Copy of judicial motor-technical examination conclusion*
      • Copy of trace examination conclusion*

*In case of company’s demand

  • Simplified system of compensation of damages in case of accident up to 400 000 AMD
    • Only the above mentioned basic documents
  • In case of fire:
    • Conclusion of Fire technical expertise
  • In case of hijacking:
    • Collection of original keys of the vehicle
    • Certifying document about the application to the Police of RA
    • The decision to institute criminal proceedings
    • The decision of the Police on the results of the criminal case investigation
  • In case of unlawful actions of the 3rd parties
    • Certifying document about the application to the Police of RA
    • The decision to institute criminal proceedings
    • The decision of the Police on the results of the criminal case investigation
  • In case of natural disaster:
    • Reference, confirming the accident received from MES (Ministry of Emergency Situations), hydro meteorological services or other authorities.

Applications about the accident, you must be provided within 30 days and the remaining documents after the application within 60 days.

What advantages does the “Simplified compensation system” have?

The “Simplified system of insurance event investigation and insurance compensation execution” enables to regulate damages up to AMD 200 thousand without attraction of appropriate law authorities and without arrangement of additional expertise execution within 5 banking days since the day of the event.
Present procedure is implemented only if the Insured (Beneficiary, authorized driver) does not object to it.

Is Your CASCO insurance policy effective only in the territory of Republic of Armenia?

The validity of CASCO policy is not limited by the territory of Armenia. The Policy is also valid in NKR, Georgia, Iran and CIS countries.

This is one of the competitive advantages of our Company.

Does CASCO insurance provide insurance coverage for additional equipment, or such equipment is subject to insurance separately?

Additional equipment is insured separately from the policy of CASCO, but this equipment is not subject to insurance without insurance of the the vehicle on which it is installed.

Last year I bought a car and insured it at “INGO ARMENIA” insurance company. May I expect discounts when prolonging the agreement for one more year?

You may expect discounts if Your insurance history is positive (during the previous insurance period no insurance accident occurred, or the non-profitability rate is low), but if the same rate is high – the insurance company may apply extra charges.

I concluded motor insurance agreement with Your Company. Who may drive my vehicle except me without any consequences on insurance?:

According to the rules of insurance of vehicles, any person can drive your car if you mentioned it in your contract as an authorized driver.

Does the night time parking place affect on the amount of insurance premium?

Insurance premiums depend on several factors, which of them are the alarm system, use location of the vehicle, the availability of audio visual equipment in the main parking lots, including night-time parking spot.

Property Insurance

What to do in case of an accident?

If Your property is damaged or destroyed completely, immediately after the accident You should:

  • Undertake all possible measures for prevention or minimization of damages and saving the property from destroying,.
  • Call “INGO ARMENIA” ICJSC without delay on following number 10 59 21 21, inform about the accident and follow instructions of the specialist,
  • Inform appropriate authorities about the accident (law authorities, fire service, district engineer),
  • Take photos of the damaged property,
  • Not take any action that may change the appearance of the damaged property (if these actions are not taken to prevent or minimize the extent of damages),
  • If the property was damaged as a result of actions of third parties, it is strictly prohibited to come to any agreement without the consent of “INGO ARMENIA” ICJSC.

What documents do I need to present a compensation demand?

To present a compensation demand You need the following documents:

1. In case of fire

  • Written statement on insurance event,
  • Insurance Policy,
  • Protocol, confirming the fact of fire,
  • Conclusion of examination of the origin of fire,
  • Documents, confirming the extent of damage,
  • Passport copy of the owner of the property,
  • Copy of property certificate.

2. In case of theft or unlawful actions of third parties

  • Written statement on insurance event,
  • Insurance Policy,
  • Theft statement,
  • Preliminary decision of the investigator on rousing / not rousing criminal case,
  • Property certificate (original or confirmed copy, if the property is under arrest),
  • Final decision of the Police on the results of the criminal case investigation,
  • Documents, confirming the extent of damage.

3. In case of a natural disaster

  • Written statement on insurance event,
  • Insurance Policy,
  • Protocol, confirming the fact of event, received from appropriate authority,
  • Copies of property certificate and passport of the owner of the property,
  • Reference, confirming the fact of event, received from hydro meteorological service or other authorities,
  • Documents, confirming the extent of damage.

4. In case of damages occurred from water

  • Written statement on insurance event,
  • Insurance policy,
  • Protocol, confirming the fact of event, received from appropriate authority,
  • Conclusion of the examination of the origins of the event,
  • Documents, confirming the extent of damage,
  • Passport copy of the owner of the property,
  • Copy of property certificate.

In what period is the insurance compensation paid?

Our Company pays insurance compensation during 30 working days after receiving all necessary documents.

Travel Insurance

What to do in case of accident?

In case of Travel Insurance event You should:

  • Inform appropriate authorities of the place where took place the insurance event (hotel administration, representatives of carrier companies, local law authorities) and inform of Insurance availability,
  • Call service center without delay on the stated phone number on the first page of the Insurance Policy (+7 495 258 85 59) and inform of insurance event or contact “INGO ARMENIA” ICJSC,
  • Service center employees will immediately react and organize necessary medical help,
  • The all compensated cases included in policy are provided by the service center (assistance) and compensated by “INGO ARMENIA” insurance company.

What documents do I need to present a compensation demand?

If immediately after the insurance event there was no possibility to call service center, in order to present insurance event statement it is essential to introduce during 30 days after coming back the following documents:

  • Written statement on the insurance event, including detailed information about:
    • Nature and circumstances of the event,
    • Name of the company which provided tourism services,
    • Dates of travel,
    • Origins of the event,
    • Causes because of which there was no possibility to call service center at the time of the accident,
  • Copy of the insurance policy (upon request: the original copy)
  • Originals of recipes written out by a doctor, concerning current disease, including stamps of pharmacies and cost of each medical preparation,
  • Medical documents, which contain information on the the date of the application of the insured person, his health status, the medical help provided, the duration of the treatment and other relevant information.
  • Original copy of the order written out by a doctor for passing laboratory examination, including prices of provided services with marked prices and dates for each service provided,
  • Original of invoice introduced by the medical institution (printed on appropriate form or on a paper with a stamp), including the surname of the insured person, medical diagnosis, date of appeal for medical help, duration of treatment, list of provided services well-ordered according to its’ cost and duration, total cost of provided medical services,
  • Documents, confirming expenses incurred, concerning treatment, purchase of medicine and providing other medical services.
  • Documents, confirming the identity of the person receiving the insurance compensation

I have purchased travel insurance Policy but the trip was cancelled. May I return the Policy and get my money back?

Of course You may return the insurance Policy and annul it, but You should be noted that:

  • The Company returns insurance premium for the unexpired days of insurance period,
  • The Company does not return the insurance premium if the Insured person has not traveled to the country, indicated in the Insurance Policy, if the latest has valid visa for travel, or if the Insured person announces about his not traveling after the expiry of the insurance period, indicated in the Insurance Policy.
  • Anyway the Company keeps AMD 1’000 (operating expenses) if the Insurer was informed about the cancel of the trip before the start of the Insurance Policy validity.

What is necessary for purchase of travel insurance policy?

To purchase travel insurance policy the passport data of the traveler and exact dates of travel is needed. The issuance of policy will take 5 minutes.

Voluntary Medical Insurance

Which medical centers are You cooperating with?

“INGO ARMENIA” ICJSC cooperates with licensed medical centers in Yerevan and all over the territory of Armenia. So if You are insured at our Company, You may receive necessary medical help at any licensed medical facility or doctor.
For the security of service level we earnestly advise to consult with our doctor-expert before applying for medical help.

With what medical centers INGO ARMENIA ICJS cooperating?

INGO ARMENIA CJSC cooperates with all clinics of Yerevan, of regions, as well as clinics in the territory of NKR.

Cargo Insurance

What to do in case of an accident?

When receiving insured goods first of all ensure in:

  • The quantity of the goods,
  • Undamaged state of the packing,
  • Undamaged state of the seals.

In case of revealing any infringement or damage You should immediately:

  • Find out the causes of damage and take necessary action to prevent further damage.
  • Call “INGO ARMENIA” ICJSC and inform of the details of the event.
  • Inform authorities of damage revealing.
  • In case of theft inform law authorities without delay,
  • Invite the representative of the cargo carrier for a joint examination (study) of the damaged goods.
  • Demand from the representative of the cargo carrier written evidence on damaged goods.
  • Present a written claim to the cargo carrier.
  • Inform “INGO ARMENIA” ICJSC of all material demands and complaints, occurred as a result of insurance event.
  • From time to time inform “INGO ARMENIA” ICJSC of the process of insurance event investigation, its’ causes and consequences.

What documents do I need to present a compensation demand?

To present a compensation demand You need following documents:

All documents should be presented within 7 days after approach of the insurance event:

  • Claim statement about the event,
  • Documents, confirming the fact of event, received from the customs authorities,
  • Reference from traffic police of Armenia in case of theft,
  • Act or conclusion of an expert concerning loss of the goods received from cargo carrier,
  • Document, confirming the extent of damage (if required),
  • If the expenses of damaged goods were incurred by the Insured person or by the Beneficiary, it is also necessary to present:
    • Originals of documents, confirming payments,
    • Invoice.

The Insurer reserves the right in some cases to demand from the claimant to present additional documents and information, which, in the judgment of the Company, may clear up the event in essence and the extent of damage.

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