Quick answer

Armenian translation coming soon. GeraSure is a comparison and purchase platform for microinsurance in Armenia, regulated under the Central Bank of Armenia (CBA) framework that oversees RA-licensed insurers. Products available in AMD: compulsory motor insurance (OSAGO / ՈԱՊՊԱ), comprehensive motor (CASCO), home contents, apartment building, travel, life, crop / weather, and small-business liability. Pay premiums with Idram, Easy Pay, Tel-Cell, Arca card, Visa, Mastercard, or from a GeraCash AMD wallet.

Regulation — CBA + insurance-law regime

Insurance in Armenia is regulated by the Central Bank of Armenia (CBA / Կենտրոնական բանկ), which licenses insurers and supervises conduct. Motor third-party liability (OSAGO / ՈԱՊՊԱ) is compulsory for every vehicle in Armenia under RA Law on Compulsory Motor Third-Party Liability Insurance. Home, travel, and health top-up are optional. All insurers on GeraSure hold valid CBA licences and publish capital-adequacy data; GeraSure surfaces the rating on each quote screen.

AMD pricing — typical ranges

OSAGO (compulsory motor): ~15,000–35,000 ֏/year depending on vehicle, driver age, claims history
CASCO (comprehensive motor): typically 3–6% of vehicle value per year
Apartment contents (Yerevan Kentron / Arabkir 2-bed): ~20,000–40,000 ֏/year
Travel insurance (7-day Schengen / Russia / UAE): 4,000–9,000 ֏
Crop / weather insurance (Ararat / Armavir apricot): priced per hectare; state subsidies may apply
Health top-up (outpatient + prescription): 8,000–25,000 ֏/month per adult

Payment rails

Idram, Easy Pay, Tel-Cell, Arca card, Visa, Mastercard, Apple Pay, Google Pay, and direct GeraCash wallet debit. Annual premiums can be paid monthly where the insurer supports installments.

Who uses it in Armenia

Yerevan drivers — OSAGO mandatory annual renewal; CASCO for newer vehicles
Diaspora apartment-owners who spend part of the year abroad — contents cover for Kentron / Arabkir / Davtashen flats
Travellers — Schengen / US / UAE short-term policies
Farmers in Ararat / Armavir / Vayots Dzor / Syunik — weather and crop policies
Small businesses — liability and contents cover for Yerevan / Gyumri / Vanadzor shops

Armenian use case

A family in Davtashen owns a 2014 sedan. OSAGO renews annually for ~22,000 ֏, CASCO on top for ~110,000 ֏. Both quoted on GeraSure from three RA-licensed insurers (Ingo Armenia, Nairi Insurance, Rosgosstrakh Armenia), compared side-by-side, chosen in one screen, paid in Idram. Policy document lands in the GeraSure wallet and sync-exports to the family's GeraCash record-keeping.

Diaspora policy — buy for a parent's flat from abroad

A recurring use case: a diaspora buyer in Paris owns an apartment in Yerevan that a parent lives in. Contents insurance is cheap (20,000–40,000 ֏/year) but historically hard to buy remotely — most Armenian insurers needed in-person paperwork. GeraSure allows full digital purchase from abroad: pay in EUR, policy issued to the parent's address, claim-handling in Armenian on the parent's side. Same pattern works from LA, Moscow, Toronto.

GeraSure vs. direct insurer quotes vs. Araratbank remote

Direct insurer quote: requires visiting or calling each insurer; single-product view
Araratbank / Ameriabank cross-sell: convenient if you bank there; limited competition
GeraSure: compares all CBA-licensed insurers in one view, surfaces capital adequacy, diaspora-buyable, AMD-billed

Cross-product

GeraClinic — health top-up policies pair with telemedicine
GeraFarm — crop insurance for Armenian growers
GeraCash — pay premiums direct from AMD wallet

Next step

Enter your Armenian address and vehicle / property details on GeraSure. A full OSAGO or contents quote completes in under 2 minutes.