Frequently asked questions

TPL (third-party liability) covers damage you cause to other people's vehicles or property, while CASCO covers damage to your own car: collision, vandalism and more. Polisi lets you compare both types side by side and see which insurer offers the best terms.

A full CASCO policy can include theft of the vehicle, glass breakage and damage from natural disasters such as hail, flooding or fallen trees, though exact cover varies by insurer. On Polisi you can compare which packages include these risks and at what price in ₾.

A deductible is the portion of each claim you pay yourself before the insurer covers the rest; a higher deductible usually means a lower premium. Polisi shows the deductible for every offer so you can balance your monthly cost in ₾ against your out-of-pocket risk.

Yes, insurers often factor in the driver's age and experience, so younger or less experienced drivers may see higher premiums or specific conditions. Comparing offers on Polisi helps you find the insurer whose pricing best fits your profile.

Each plan has its own network of contracted clinics and hospitals, often with direct billing so you don't pay upfront. Polisi shows the network behind every offer so you can compare which providers and hospitals are covered before you choose.

Coverage varies by plan: outpatient visits, inpatient (hospital) care, dental and prescription medication each have their own limits and reimbursement percentages. Polisi compares these terms side by side so you can pick a plan that covers what matters to you.

Most insurers apply waiting periods or exclusions to pre-existing conditions, and terms differ significantly between plans. When you compare on Polisi, the Protection Score factors in exclusions and limits so you can see how each policy actually treats them.

Yes, family plans cover two or more members under a single policy, often at a better rate than separate individual cover. Enter each member's age on Polisi and we'll compare family offers from leading insurers, including maternity and dental where available.

A standard policy covers your building and contents against fire, water leakage, burst pipes, theft and burglary, and often storm damage. On Polisi you can compare offers from leading insurers side by side to see exactly which risks each one includes.

Natural disasters such as earthquake and flood are usually optional add-ons rather than part of the basic cover, so terms vary by insurer. Polisi lets you filter and compare policies that include these risks before you decide.

Yes, most policies include neighbour (third-party) liability, which pays for damage you cause to a neighbour's property, for example, water leaking from your apartment into the flat below. Coverage limits differ between insurers, and Polisi shows them clearly in the comparison.

Yes. Mortgaged properties usually need cover that meets the bank's requirements, and you can compare compliant offers from several insurers on Polisi and complete the purchase online with a quick SMS verification, at the same price as buying direct.

Yes, for a Schengen visa you need cover of at least ₾30,000 (€30,000) for medical emergencies and repatriation across the Schengen area. On Polisi you can compare Schengen-compliant policies and instantly receive the confirmation letter required for your visa application.

Your policy covers emergency treatment, hospitalisation and, if needed, medical repatriation up to the chosen limit, usually via a 24/7 assistance line that arranges and pays the clinic directly. Polisi compares offers so you can see each insurer's medical limit and assistance quality side by side.

Most travel plans add optional cover for delayed or lost baggage and for cancelling your trip due to illness, accident or other insured reasons, reimbursing your non-refundable costs. Compare offers on Polisi to find the baggage and cancellation limits that fit your trip.

Skiing, snowboarding and other adventure activities are usually excluded by default but can be added as an extra option for a higher premium. On Polisi you can filter for policies that include winter and adventure sports for your travel dates.

A common guideline is 10 to 15 times your annual income, plus any debts like a mortgage, so your dependents stay financially secure. Polisi lets you compare offers from leading insurers for the same sum assured to find the best value.

You can name one or more beneficiaries, typically a spouse, children, or other dependents, and split the payout between them in any proportion you choose. You can update your beneficiaries at any time as your family situation changes.

Yes, smokers and people in higher-risk occupations usually pay more, since both raise the insurer's assessed risk. Because each company prices these factors differently, comparing offers on Polisi can reveal meaningful price differences for the same cover.

Smaller sums assured often need only a health questionnaire, while larger amounts or older applicants may require a medical exam. Many term life policies offer optional critical-illness cover that pays out on diagnosis of conditions like cancer or a heart attack. Polisi shows which insurers include it.

Depending on the plan, it covers vet bills for accidents and illnesses, including consultations, diagnostics, medication, and surgery up to an annual benefit limit. Polisi lets you compare what each insurer includes so you pick the cover your pet actually needs.

Accident-only pays for injuries from incidents like falls, road accidents, or swallowed objects, while comprehensive adds illnesses such as infections, chronic conditions, and cancer. Comprehensive costs more but protects against far more vet bills, and you can compare both side by side on Polisi.

Most insurers set a maximum enrolment age and apply a short waiting period before illness claims are valid, and pre-existing conditions are usually excluded. Polisi flags each plan's age limits, waiting periods, and exclusions so there are no surprises at claim time.

Dental cover for accidents or disease is included by some plans and optional or excluded by others, with claims typically reimbursed as a percentage of the vet bill up to your limit. Polisi shows the reimbursement percentage and dental terms for every offer so you can compare real value.

It protects your crops, such as grapes, wheat and orchards, against natural perils like hail, frost, drought, flooding and storms, and can also cover livestock. Polisi compares offers from leading insurers so you can match the cover to your specific risks.

Named-peril policies pay out only for specifically listed risks (for example hail or frost), while comprehensive cover protects against a wider range of natural events. Polisi shows both side by side so you can weigh price against the breadth of protection.

Yes, premiums are calculated mainly from your insured area in hectares, the crop type and the perils you select, so larger or higher-value plantings cost more to insure. Enter your hectares and crop and you will see indicative prices from several insurers in seconds.

Many crop policies in Georgia qualify for the state subsidy programme, which covers a significant share of the premium so you pay only the remaining amount in ₾. Polisi flags eligible offers so you can compare your real out-of-pocket cost across insurers.