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The policy of Voluntary civil liability of vehicle owners (VCL) extends (increases) the insurance amount (insurance cover) if the amount of insurance cover of “Motor Liability Insurance” policy is not sufficient.
The insured event includes road accident caused by your fault and resulted in damage to life, health or property of third persons.
Insurance of additional equipment is made only together with insurance of the vehicle itself. AE is deemed insured in case of the same events as the vehicle.