Generali Casco (own-damage car insurance) (Kasko Osiguranje Vozila)

Full casco covers destruction, damage or disappearance of the insured vehicle resulting from sudden events independent of the insured's or driver's will (collision, fire, explosion, lightning, storm, hail, falling objects, vandalism, etc.). The insurer's maximum liability per insured event is the sum insured stated on the policy.

In case of destruction or disappearance of the vehicle, indemnity is based on the vehicle's value at the time of assessment less the market value of any remaining parts and the agreed/obligatory deductible, using the new-vehicle purchase price on the date of loss reduced for depreciation. The insured sum entered on the policy is the upper limit of the insurer's liability.

For partial damage, indemnity equals the cost of repair (including dismantling/reassembly) less the market value of replaced residual parts; no depreciation deduction applies to new tyres, batteries, exhaust parts, tarpaulins, fluids and similar wear parts fitted as replacements.

Full casco covers theft, burglary theft, robbery and unlawful taking of the vehicle for use in driving; a vehicle is deemed stolen if not found within 30 days of reporting to the police. Coverage is excluded if a 'theft risk exclusion' premium discount was applied on the policy, and rights are lost if the vehicle was not properly locked/closed at the time of theft.

Covers damage to standard factory-fitted glass on the vehicle (excluding light, mirror and panoramic-roof glass) arising from the perils listed for full casco; can also be purchased as a standalone partial-casco clause (STAKLA) with a limit equal to the insured sum on the policy.

Full casco covers lightning, explosion, storm (wind over 17.2 m/s), hail, snow/ice falling from objects or vegetation and avalanche, aircraft impact, flood, torrent and high water; can also be purchased as the standalone Djelomični kasko PRIRODNE NEPOGODE clause. Earthquake damage is explicitly excluded.

Full casco covers malicious acts or wilful misconduct of third parties causing damage to the insured vehicle.

Available as a supplementary risk offering organisational or financial help in the event of breakdown, traffic accident, lost keys or running out of fuel; scope depends on the package chosen and is available 24/7 via phone.

Under the current casco terms (103-0133), the insurer is not obliged to reimburse the cost of a replacement vehicle unless separately agreed; this is explicitly listed among costs the insurer does not cover.