Groupama Casco (own-damage car insurance) (Casco Prestige)

Covers full loss or partial damage to the insured vehicle caused by covered risks under Clause A (road accident, fire, natural perils, vandalism, parking impact, theft, robbery, glass damage, key loss). Compensation is limited to the insured sum which may not exceed the actual value of the vehicle at the date of contract. Total loss is declared when repair costs exceed 70% of the insured sum.

Total loss is declared when repair costs exceed 70% of the insured sum of the vehicle. Compensation is paid up to the insured sum but not more than the actual value of the vehicle at the date of the insured event. Upon total loss due to theft or robbery the insured vehicle becomes property of the insurer. Before payment the insured must present proof of deregistration of the vehicle on grounds of total loss.

Compensation for partial damage caused by a covered risk under Clause A. Settlement method depends on vehicle age at policy inception: up to 4 years – authorised dealer, trusted contracted service or expert assessment; 5 to 10 years – trusted service or expert assessment (official dealer service available with additional premium); over 10 years – expert assessment only (trusted service with additional premium). Declaration-only claims (no police document) capped at 15% of insured sum per policy term; cap does not apply to glass claims arising independently.

Covers theft (taking of the vehicle without the insured's consent with intent to appropriate unlawfully) and robbery (taking with force or threat) of the whole vehicle. If vehicle registration certificate part I and/or II is not presented, compensation is limited to 50% of actual vehicle value. No deductible applies for these risks. Excluded when event occurs in specified countries (Albania, Bosnia and Herzegovina, Belarus, North Macedonia, Israel, Iran, Montenegro, Morocco, Russia, Moldova, Tunisia, Ukraine). Notification deadline: within 24 hours of the event.

Covers damage and/or breakage of the front, rear or side windows of the insured vehicle caused by vandalism, falling objects, aircraft, trees or branches, or by impact with a moving or stationary object during vehicle movement. No deductible applies for this risk. The 15% declaration cap does not apply to glass claims arising independently.

Covers storm (wind above 15 m/s), hurricane (wind above 30 m/s), lightning strike, hail, heavy rain, sea waves, falling snow mass or ice pieces, landslide, earth collapse, falling hard objects, flooding, and falling trees or branches caused by natural disasters. Earthquake and its consequences are explicitly excluded.

Covers damage caused by malicious acts of third parties including scratching, piercing, pouring paint or chemicals on the vehicle; breaking locks, antenna, interior fittings, rear-view mirrors, factory-fitted emblems and trims; slashing or puncturing tyres. The insured and their household members, employees and persons with access to the vehicle with consent are not considered third parties. Cover excluded if the vehicle was left unlocked or with keys inside.

Reasonable costs of rescue and transport of an immobile vehicle from the loss scene to the nearest repair point or its domicile are included within claim settlement. Costs must be pre-agreed with the Groupama call centre; if not pre-agreed, reimbursed up to 357.90 EUR domestically. Abroad: provisional repair or transport up to 10% of insured sum, capped at 766.94 EUR for vehicles up to 3.5 t and buses up to 9 seats, or 1,533.88 EUR for heavy vehicles and buses over 9 seats; responsible storage up to 5 days up to 255.65 EUR. Full roadside assistance (breakdown towing, on-road repair, fuel delivery) is available only under the separate Auto Asistans product.

A replacement vehicle is not provided under Casco Prestige. A substitute driver service when abroad is available only under the separate Auto Asistans product.