Frequently Asked Questions

In the event of a car accident, when the car needs to be restored at the service center, Aldagi gives you the opportunity to use an alternative car.

The customer can use the car replacement service for 14 days during the year. If the customer needed to use the service for a short period of time, the remaining days can be used for another insured event.

If the value of the insured car ranges from $8,000 to $20,000, it will be replaced with a Toyota Corolla or an equivalent class car, and if the value exceeds $20,000, it will be replaced with a Hyundai Tucson or an equivalent class car.

The state subsidizes 70% of the insurance cost for grape cultivation.

• Cereal
• Legume
• Vegetables
• Horticultural Crops
• Vine
• Fruit Trees
• Berry Crops
• Nut Crops
• Subtropical Crops
• Citrus

• Fill out the application.
• Pay your share of the amount to the bank.
• Submit the requested documentation.
• That's all!

• The insured plot of land should be registered in the public register and have an extract.
• The insurable area should not exceed 10 hectares, and in the case of grain crops, 50 hectares.
• Must be registered in the unified database of farmers.

An apartment with emergency status or a private house not used for residential purposes.

Yes, it is possible.

You can add any of these three coverages only if you purchase basic property insurance (structure, repairs, contents).

The insurance contract is concluded for a period of 1 year.

You can pay the insurance premium all at once, quarterly, or once every 6 months.

You can insure a home owned by someone else if you have permission from the owner.

The insurance amount will be credited within 10 days after submitting the requested documentation.

You cannot insure the house while the repair work is in progress. However, once completed, you can contact us immediately.

The construction of the insured property must be completed. It is also possible to insure a property that is completed but recorded as under construction in the statement.

An insurance policy can be cancelled if it is not in force.

The policy can only be purchased if you are in Georgia.

The deductible is the minimum amount you will pay in the event of an insured incident, with the remaining amount being reimbursed by Aldagi.

Survival Period and Waiting Period should be considered.

Survival Period: The essence of Critical Illness Insurance is to provide financial benefits upon diagnosis of a critical illness. To receive these benefits, a certain period must pass after the diagnosis of each covered disease.

Waiting Period: A waiting period of 90 days will be activated upon purchasing the insurance. No compensation will be provided for incidents occurring during this period. However, the waiting period does not apply to accidents defined as injuries to a body resulting from the impact of unexpected, visible, external forces.

A 90-day waiting period is activated upon purchasing the insurance. No compensation will be given for incidents occurring during this period. The waiting period does not apply to accidents, defined as deaths caused by sudden, visible, external forces.

If a doctor diagnoses you with a critical illness, you must notify us within 24 hours. The benefit amount will be credited to your personal bank account in one lump sum within 10 days after the diagnosis is confirmed and the survival period has expired.

Health insurance reimburses only the costs incurred directly for treatment. In contrast, critical illness insurance provides a lump sum payment that you can spend as you wish.

Critical illness insurance is a type of insurance that provides a lump sum payment in the event of a critical illness diagnosis.

The benefit amount can be requested by the heir or a previously named beneficiary. The funds will be credited to their account within 10 days after the confirmation of death.

Life insurance provides a sum of money in case of death, while critical illness insurance gives you a lump sum during your lifetime if you are diagnosed with a critical illness.

As insurance experts, we recommend considering both types of insurance, as they complement each other. For example, if you only have critical illness insurance and the illness results in death during the survival period, your family may be left without financial support. To address this, you have the option of purchasing combined insurance. The advantage of this product is that you will pay less than if you purchased the two coverages separately.

Generally, the younger you are, the less money you will have to pay. However, the cost also depends on the chosen insurance limit. Therefore, it is advisable to purchase insurance as early as possible and opt for a multi-year policy to avoid paying increased fees as you get older.

In the case of partial loss, if the car is insured for less than its market value, the compensation for the loss is proportionate to the insurance amount relative to the market value. For example, if a car worth $10,000 is insured for $5,000 (i.e., 50% of its market value), and a loss of $2,000 occurs, $1,000 (50% of $2,000) will be reimbursed. If the insured has purchased a product with a deductible, the deductible amount will be subtracted from the reimbursed amount

According to Aldagi's tariff structure, $2,500 is the minimum insurance amount at which a car is insured. Therefore, if a customer wants to insure a car of lesser value, we will insure the car at its market value as an exception, but they will pay the premium for a $2,500 car.

An earned insurance premium is the portion of the premium that corresponds to the period of time that has elapsed from the beginning of the insurance period to a specific date within that period.

For example, let's say the annual premium you pay is $400. If you decide to cancel the insurance contract after 6 months, your insurance was valid for 6 months. During this period, the insurer would have compensated you for any covered losses. Therefore, the proportional premium for the 6 months ($200) will not be returned to you, as it has already been earned.

Since you want to cancel the insurance contract and your insurance will no longer be valid for the next 6 months, the unearned premium can be returned to you proportionate to the time you will no longer use the insurance (unearned premium: -$200).[1]  However, the unearned premium is non-refundable if any loss, even a minimal amount, has been claimed.

The insurer will not reimburse the patrol fine amount. Only the amount of direct damage is subject to compensation.

The premium must be paid in full if any amount has been paid by the insurance company in favor of the insured.

If a vehicle insured with Aldagi is damaged and the at-fault party is different from the insured or authorized driver, Aldag will fully indemnify the insured (even if they have purchased a policy with a deductible). Additionally, Aldagi will recover the reimbursed amount from the guilty party, who has incurred civil liability for the costs caused by the damage.

•  ID card or passport
• Vehicle registration certificate (Texpasport)
• Vehicle Identification Number (VIN) code
• Photos of the car and its interior

In case of damages, call the Aldagi call center at 2 444 999 and the patrol police.

A third party is any person who is not the insurer or the insured and does not participate in the legal relationship between the insurer and the insured. According to this definition, the authorized driver, passengers of the insured car, family members, first-degree relatives, employees, or subordinates cannot be considered as third parties.

When a car is sold, the insurance does not transfer to the new owner. It is important to inform the company about the transfer of ownership.