Top requested insurance services
We are always at your service to prevent financial losses from unexpected events!
CASCO Insurance
Had an accident and it's your fault? While compulsory insurance covers damages to the other party, we can compensate for your vehicle’s damage! Insure your car and stop worrying about unforeseen incidents.
Property Insurance
Insure your home and belongings to protect and satisfy your neighbors.
Travel Insurance
Don't worry about health issues or lost belongings during your travels. Insure your trip and feel comfortable anywhere you go.
Health Insurance
We provide high-quality medical support 24/7, ensuring your well-being and financial protection against unexpected events.
Our goal is your comfort!
We are building a more innovative and digital future in the insurance industry with a view to your wellbeing.
Apply online from anywhere
Calculate the insurance premium online and get insured without visiting an office.
Customer cabinet
We’ve brought all the insurance services together for your convenience.
Mobile App
Manage your insurance quickly and easily from anywhere with your mobile phone.
Your insurance in your phone!
Download our mobile app and manage your insurance effortlessly from your phone.
Why choose us?
We offer insurance services that provide trust on the way to success.
Market leader in non-life insurance
With 19 years of experience, we are the market leader in non-life insurance.
We stand by our customers in insured events
In 2024, we indemnified our insured customers for AZN 143 239 000.
Strong international financial rating
In 2024, S&P Global Ratings upgraded our long-term credit and financial stability rating to BB+ with a Stable outlook.
Customer feedback
We always strive for customer satisfaction and convenience!
Thank you for your valuable feedback!
Gunay Babayeva
Full CASCO
My issue was resolved promptly. I would like to thank your team.
Tərlan Novruzov
Full CASCO
Hello. I am very satisfied with PAŞA Insurance. The clinics I visited welcomed me warmly and treated me very well. Thank you so much!
Rauf Mammadov
Full CASCO
PAŞA Insurance responded very promptly regarding the CASCO claim. Thank you!
Vüqar Səfərov
Travel Insurance
High professionalism and a friendly team — everything was carried out at the highest level. Thank you, PASHA Insurance!
Rəşidə Rzayeva
Property Insurance
I’m very satisfied — your staff handled the incident with care and professionalism.
Stay connected on your trip, get travel insurance!
Until July 1, 2025, everyone who purchases online travel insurance from PASHA Insurance will receive free internet for use abroad. The campaign applies to purchases for all destinations.
The amount of bonus internet depends on the insurance premium as follows:
| Insurance premium | Bonus internet |
|---|---|
| More than 10 AZN | 1 GB |
| More than 15 AZN | 3 GB |
Frequently Asked Questions
Got questions? We’ve got answers.
What is a deductible amount?
The deductible amount refers to the portion of a loss or damage resulting from an insured event that is not covered by the insurer and is instead borne by the insured.
Example:
Let’s assume that under a motor insurance contract, a non-waivable (unconditional) deductible of 500 AZN is specified.
If a traffic accident causes damage worth 8,900 AZN to the insured vehicle, the insurer will pay 8,400 AZN (8,900 – 500 = 8,400 AZN). The remaining 500 AZN will be covered by the insured.
If the deductible in the contract had been waivable (conditional) instead of non-waivable, then – since the damage exceeds 500 AZN – the entire amount of 8,900 AZN would have been paid by the insurer.
Furthermore, if the damage had been less than 500 AZN (for example, 489 AZN), then no compensation would be paid by the insurer, regardless of whether the deductible is conditional or unconditional.
What is Property Insurance?
Property insurance protects your home and belongings from damage or loss caused by unexpected events.
If you have property insurance, the insurance company will compensate you for damages to your home or household items resulting from incidents such as:
- Fire
- Explosion
- Flooding
- Theft
- and other covered risks
In the event of such incidents, the extent of the damage is assessed, and a payout is made according to the terms of your insurance policy.
What is the difference between CASCO insurance and mandatory motor insurance?
There are three key differences between CASCO (voluntary comprehensive motor insurance) and mandatory motor insurance:
1. Scope of Coverage
Mandatory motor insurance only covers damages caused to third parties in the event of an accident.
In contrast, CASCO insurance offers much broader coverage — including risks such as falling or thrown objects, theft, robbery, fire, explosion, and natural disasters.
Mandatory insurance does not cover any of these additional risks.
2. Compensation Limit
Mandatory motor insurance pays compensation only up to 5,000 AZN.
CASCO insurance, however, provides coverage up to the full market value of your vehicle, which allows for much higher payouts.
3. Fault Coverage
With mandatory insurance, damages you cause to your own vehicle are not compensated.
In contrast, CASCO insurance covers your own damage even if the accident is your fault.
In summary, CASCO insurance offers broader protection, higher compensation, and more flexibility than mandatory motor insurance — making it an essential choice for those seeking full coverage.
What is Travel Insurance?
Travel insurance provides financial protection against unexpected expenses that may arise during domestic or international trips. It typically covers:
- Medical expenses in case of illness or injury while traveling
- Loss or damage of luggage
- Search and return of lost or misdirected baggage
- Trip cancellation costs due to force majeure or unforeseen circumstances
In essence, travel insurance ensures peace of mind by protecting you from a wide range of potential risks during your journey.
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"content": "## Stay connected on your trip, get travel insurance!\nUntil July 1, 2025, everyone who purchases online travel insurance from PASHA Insurance will receive free internet for use abroad. The campaign applies to purchases for all destinations.\n\nThe amount of bonus internet depends on the insurance premium as follows:\n| Insurance premium | Bonus internet |\n|----------------|---------|\n| More than 10 AZN | 1 GB |\n| More than 15 AZN| 3 GB |"
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