If you wish to have a full protection against material damages occurring to your vehicle at home and abroad as well as against the missing vehicle, you need to take out the automobile hull policy. Hull insurance resolves a number of everyday situations which may turn into a major problem if we are not prepared for them.

Only motor hull insurance will provide you with an adequate and full protection against any damage occurring to your vehicle in the event of:

• car accident (even when occasioned by your fault)
• fall or impact of an item,
• fire, explosion or flood,
• wantonness of third parties.

 Automobile hull insurance is valid on the territory of the Republic of Serbia and within the geographical boundaries of Europe, including the entire territory of Turkey.

Important!

There is a risk of losing the rights granted under the automobile hull insurance policy if the vehicle was driven by a person without an adequate driving licence or under the impact of alcohol or narcotics and/or if the accident was caused by running a red light…

You can read more about the cases when the Insurer’s liability to indemnity is excluded in the Article 14 of the Terms and Conditions for Comprehensive Motor Insurance.

What most discourages motor vehicle owners from this kind of insurance is the belief that the hull insurance is a privilege of the wealthy people and the owners of new and expensive automobiles.

Nevertheless, since the Insured is allowed to choose the scope of cover, i.e. the risks covered by insurance, as well as the type of deductible and manner of insurance premium payment, everybody can chose the adequate protection package in accordance with his own financial capabilities and needs. We offer you multiple options and you are free to choose one of them by yourself or with a professional assistance of the employees of Dunav Insurance Company.

We offer you many options, and it is up to you to choose one of them, because Dunav Insurance Company provides you with the security you deserve.

Dunav Insurance Company has also prepared a set of possible discounts for you:

• 5% for territorial scope of coverage
• up to 10% for insurance period
• up to 10% for the number of insured vehicles
• BONUS up to 50% for no insured occurrences reported during the previous underwriting years
• 15% for the possession of protection devices.

You may opt for either for a coverage which includes a relative deductible (5%, 10%, 20 %,) or without any deductible at all.

Why should I contract the Automobile Hull Insurance policy if I already have a Motor Third Party Liability Policy?

As opposed to MTPL insurance, Automobile Hull Insurance is not compulsory. Instead, it represents a type of voluntary insurance against damages to your vehicle. Claims under the Automobile Hull Insurance Policy are reported to the insurance company with which you entered into the Insurance Agreement, whereas under the MTPL insurance policy, the claimant seeks indemnity from the insurance company of the responsible party.
Dunav Insurance is not only the leader in Automobile Hull Insurance market but also a reliable partner with long-standing experience and the biggest share in the total number of paid claims.

You think that Hull Insurance is expensive?

Statistics show that damages mostly occur as a result of low-intensity impact, when parking a vehicle or in everyday rush hour. Damages occurring in these unwanted situations represent an unexpected expense amounting to several thousands of dinars. If we take a look at the pricelist of spare parts that need to be replaced after an average collision and if the price of a bumper, wing, headlamps, cooler, along with other works is summed up, it is easy to reach the conclusion that the repair of modern cars is very expensive. When the possibility of sustaining even greater damages is taken into account, it is clear that hull insurance definitely pays off.

Why conclude the additional hull risk of vehicle theft?

Statistics show that every year, around the world, more than a million of vehicles are reported stolen whereas in Serbia, seven vehicles are stolen every day. This is where Dunav Insurance comes in with its Automobile Hull Insurance and the additional risk of theft.
A considerable advantage Dunav Insurance enjoys in the Serbian market is the fact that in Automobile Hull Insurance there are no limitations relating to expensive vehicles and models which, being so attractive, pose a high risk of theft. Regardless of whether the vehicles are “under risk” of theft or are of a rare make and model, any vehicle can be subject to Automobile Hull Insurance. In Dunav Insurance, even the models with the status of a so-called “vehicles under risk of theft “, after completed 4 or 6 years of age, are classified into a non-risk category.

Partial Hull Insurance (Glass Breakage)

When taking out or renewing the policy for Partial Hull Insurance, the Insured is required to have a valid MTPL insurance policy of Dunav Insurance Company. Partial Hull Insurance may be stipulated for a period of one year or less, provided that the insurance expiry corresponds to the expiry of MTPL insurance.
Partial Hull Insurance is concluded to the ”first loss” sum insured indicated in the policy, which becomes exhaustible upon payment of each loss. It is written on the AUTO BONUS Plus policy form which may be used to conclude motor accident insurance, as well.
When taking out or renewing the policy for insurance of drivers and passengers against accident, the Insured is required to have a valid MTPL insurance policy of Dunav Insurance Company a.d.o.
Insurance of drivers and passengers against accident may be stipulated for a period of one year or less, provided that the insurance expiry coincides with the expiry of MTPL insurance.

ORIENTATION PRICE EXAMPLES FOR AUTOMOBILE HULL INSURANCE WITHOUT THE ADDITIONAL THEFT RISK

Orientation prices for annual automobile hull insurance coverage are presented per groups of standard use passenger vehicles with the absolute deductible to the amount of 0.5% of the vehicle replacement value.

Examples with no included additional theft risk:

Group Make and model Replacement value (EUR) Insurance premium with relative deductible (EUR)
0% 5% 10% 20%
I (do 10.000 €) Fiat Punto clasic 1,2 dinamic 8.000 252 226,4 201,6 176
II (10.001-20.000) Opel Astra 15.042 481 433 385 337
III (20.001-30.000) VW Golf VII Trendline 21.219 721 649 577 505
IV (30.001-50.000) Mercedes C200 32.739 1.060 943 825

NOTE: Replacement values are only for orientation and they include duties and VAT. The insurance prices from the Table do not include numerous discounts granted by Dunav Insurance Company (for the anti-theft device, number of insured vehicles, vehicle age, no-claim bonus…) and are net of 5% tax.

ORIENTATION PRICE EXAMPLES FOR AUTOMOBILE HULL INSURANCE INCLUDING THE ADDITIONAL THEFT RISK

Orientation prices for annual automobile hull insurance coverage are presented per groups of standard use passenger vehicles with the absolute deductible to the amount of 0.5% of the vehicle replacement value.

Examples with included additional theft risk:

Group Make and mode Replacement value (EUR) Insurance premium with relative deductible (EUR)
0% 5% 10% 20%
I (do 10.000 €) Fiat Punto clasic 1,2 dinamic 8.000 302,40 271,68 241,92 211,20
II (10.001-20.000) Opel Astra 15.042 577,20 219,60 462,00 404,40
III (20.001-30.000) VW Golf VII Trendline 21.219 865,20 778,80 692,40 606,00
IV (30.001-50.000) Mercedes C200 32.739 1.325,00 1.178,75 1.031,25

 

NOTE: Replacement values are only for orientation and they include duties and VAT. The insurance prices from the Table do not include numerous discounts granted by Dunav Insurance Company (for the anti-theft device, number of insured vehicles, vehicle age, no-claim bonus…) and are net of 5% tax.

We have prepared special benefits for the hull insurance of vehicles acquired through leasing.

Within hull insurance, it is possible to contract the insurance of vehicle operating device against the risk of breakdown.

It is possible to contract the following insurance types as a rider to the hull insurance:

  • insurance of luggage in busses
  • advertisements and other signs on vehicles

One of the most frequent vehicle damages is the glass damage. By writing the partial hull insurance, you get the insurance protection for all glass regularly installed in your vehicle, excluding the glass (plastic) on light devices, mirrors and roof of a vehicle (glass roof).

Accidental insurance of drivers and passengers is written to the selected sum insured especially in case of disability and death and is regulated under the Dunav Insurance Company General Terms and Conditions for Personal Accident insurance and Additional Terms and Conditions for the insurance of drivers, passengers and workers against accident.

Learn more about automobile accident insurance