In the body insurance policy, the insured vehicles are covered against the main risks of theft, lightning, fire, explosion and accident, and the minor and total damages caused by the main risks to the insured vehicle, including wages, repairs and The value of the equipment is paid at the day of the accident if the vehicle is insured at the transaction value of the insured market.
In addition to the above coverages, you can insure all types of vehicles against the following damages by paying an additional premium:
1- Coverage of theft of vehicle parts with non-public and non-rental use:
The main parts and accessories of the insured plan without vehicle theft will be covered by the theft of parts by paying an additional insurance premium.

The insurer is obliged to submit a report to the law enforcement authorities on how the accident occurred.
The obligation of the insurer regarding the theft of the main parts and additional equipment of the plan is limited to 5% of the value of the vehicle and up to a maximum of 50,000 Rials during the insurance year.
The insurer's obligation to steal any of the additional equipment of the plan ends with the payment of the relevant damages and the request for re-coverage is subject to the consent of the insurer and is possible after the initial re-visit and receipt of the related insurance premium.
The deductible for this coverage is 20% of the amount of damages.

2. Travel expenses for passenger cars:
If it is not possible to use the insured vehicle due to the main risks of the subject of insurance (excluding theft), by paying the additional insurance premium, a certain amount will be paid to the insurer daily for a certain period.

The maximum transportation cost payable for passenger cars under this additional coverage will be equal to 50,000 Rials per day and its duration will not exceed 30 days in the insurance year after deducting two days in each accident as a deductible.

3. Coverage fee for trucks and cars:
This coverage is provided in accordance with the following conditions by paying additional insurance premiums to compensate the losses caused by not using the insured vehicle when it is damaged and unusable from one of the damages covered by the insurer's obligation.

Shipping cost

- With a maximum load capacity of two tons, equal to one hundred thousand rials per day and a maximum of thirty days with a deduction of two days of franchise.
- With a maximum load capacity of five tons, equivalent to one hundred and twenty thousand rials per day and a maximum of forty-five days with a deduction of three days of franchise
- With a load capacity of more than five tons, up to ten tons, equivalent to two hundred and fifty thousand Rials per day and a maximum of forty-five days with a deduction of three days of franchise
- - With a load capacity of more than ten tons (trucks and trailers), equivalent to two hundred and fifty thousand rials per day and a maximum of forty-five days with a deduction of three days of franchise

The cost of stopping the car

- With a maximum passenger capacity of twenty-six people, equivalent to one hundred and twenty thousand Rials per day and a maximum of forty-five days with a deduction of three days of franchise
- With a passenger capacity of more than twenty-six people, daily equivalent to two hundred and fifty thousand rials and a maximum of forty-five days with a deduction of three days of franchise

- Covering price fluctuations

For all types of vehicles (excluding motorcycles), by paying additional insurance premiums, it is possible to provide additional coverage of price fluctuations up to a maximum of 20% in excess of the insured capital. Provided that the insured item is insured at the actual price and value of the day at the time of issuing the insurance policy. Otherwise, at the time of claims, the amount of damages in relation to the insured capital at the actual market price at the time of issuance of the insurance policy is subject to the application of the relative capital rule (Article 10 of the Insurance Law).
5- Covering natural disasters
Through this additional coverage, damage caused by natural hazards such as floods and earthquakes can be covered.
6- Coating due to acid spraying and chemicals
This coverage is possible by paying an additional premium for the insured vehicle against damage caused by acid and chemicals.
7- Depreciation elimination cover
This coverage is possible by paying an additional premium for passenger cars that have a non-damage discount of 45% or more.
• This cover does not include depreciation related to batteries and tires.
8. Remove the franchise
This coverage is possible by paying an additional premium for passenger cars that have a non-damage discount of 45% or more.

This coverage covers only major risks other than general theft, partial theft and total damage.
This coverage does not include damage due to additional coverage of the body insurance and the franchise certificate.

9. Glass break cover alone
In this coverage, by paying an additional premium, the insured vehicle, with the exception of the motorcycle, is covered against the damage of broken glass alone and without colliding with an external object and for reasons other than the main hazards.
10. Transit cover
Through this coverage and by paying additional insurance premiums, the vehicle will be covered outside the geographical borders of Iran in case of damage due to the insured risks.
* This cover does not include general theft and theft of parts outside the borders of Iran.
11- Personal accident insurance:
With personal accident insurance attached to the body insurance policy, the insurer is covered by this insurance policy 24 hours a day, in all parts of the world and outside the vehicle, as well as the driver at the time of the accident through the insured vehicle. To take.

Franchise
The part of the damage that will be borne by the insurer is called the deductible. This amount is determined in the private terms of the insurance policy.
• Franchise for minor damage caused by accidents and fires (excluding motorcycles)
1- The first damage 10% of the amount of damage at least 500,000 Rials
2- The second loss is 2 times the deductible of the first paragraph (percentage and minimum)
3- Third loss 3 times the deductible of the first paragraph (percentage and minimum)
* Franchise for driving