Fixed premium
Insurance is arranged for the whole term with rates, which do not change, i.e. any damage and/or claim-free period do not affect this rate. At the end of insurance, the insurer naturally issues a confirmation concerning the course of the insurance coverage, on the basis of which it is possible to apply a potential bonus.

Variable premium
It is arranged for a liability insurance for damages caused by an operation of a vehicle. The premium is determined in connection to an announced tariffs of an insurer for the given period and an achieved bonus of a client.

Deductible
An agreed percentage of the claim or an amount, which a client pays from each insurance claim. In case the repair costs of the damaged vehicle do not exceed the minimum agreed deductible, it is not possible to file the claim with regard to an insurance coverage

Immobilization of indemnification
The indemnification is remitted in favor of a designated person.

Release of an indemnification immobilization
The person entitled to receive an insurance indemnification may give up the indemnification in favor of another person (e.g. in favor of a client and/or a repair shop)

General price
A market value of the vehicle or item at the moment of the damage/loss. The general price corresponds to a price, for which it is possible to purchase/acquire the same vehicle - i.e. the same type, age, options, and kilometers - in the same region.

Total damage
Repair costs of the damaged vehicle/item exceed the general price. On the basis of this fact, an insurer liquidates as a total financial damage. Unless agreed otherwise, an indemnification is based on the general price of the vehicle / item, from which usable remains and an agreed deductible are deducted.

100% Insurance indemnification
Extended insurance coverage provided by the insurance company Kooperativa for all normally used vehicles with a gross weight up to 3,500 kg. In case of a total damage to the vehicle within 365 days from the moment it is first put in operation, the insurance company indemnifies a vehicle purchase price to purchase a new vehicle, once again financed via UniCredit Leasing and insured via the insurance company Kooperativa. The presumption for this is the surrender of the wreck to the insurance company and a timely fulfillment of obligations resulting from the contract.

KASKO MAX
Product of the insurance company UNIQA - accident insurance coverage with an extended indemnification. Contrary to a standard accident insurance, in case of a total damage and/or theft of the vehicle during the first three years, the insurer indemnifies 100% of the vehicle purchase price reduced by an agreed deductible. In subsequent years, the indemnified percentage of the purchase price is determined by the relevant terms and conditions of the insurer.