Managing your vehicle policy

What to know about activating the policy, paying for it, reporting an insured event, and terminating the contract early.

Four essential rules

Walk through every step, from buying the policy to closing it

The policy takes effect once the vehicle has been inspected, photographed, and the photos submitted to the company.

Take the photos on the day you submit them, with the vehicle washed, dry, and in daylight.
Seven angles are required: front and rear views, both sides, the VIN code, the windshield, and the roof.
Any existing damage must be documented separately — damage that predates the policy is not covered.

The first premium instalment must be paid within the deadline set by the contract — it is what activates the cover.

If the payment is late, the policy does not start or is suspended, and events occurring in that period are not covered.
Pay the remaining instalments on schedule; the schedule is stated in your policy.
You can check and settle an outstanding balance online, without signing in.

Call the information centre as soon as the event occurs and follow the operator's instructions.

Do not leave the scene before agreeing the next steps with the company.
In a road accident, call the patrol police (112) and always obtain the report.
Take photos: the overall scene, the damaged parts, and every vehicle involved.
Submit the claim within the deadline set by the contract, together with the required documents.

The contract can be terminated early with a written request; the refundable premium is calculated using the table below.

The retained and refundable premium depends on how long the policy was actually in force

The table is informational. The exact terms are set by your own insurance contract.

The information centre is open 24/7