GasanMamo Casco (own-damage car insurance) (Private Car Policy)

Comprehensive cover pays, at the insurer's option, to repair, replace, or cash-settle loss of or damage to the insured car and its accessories/spare parts, up to the market value of the car but not exceeding the value declared by the policyholder. This section (Section 1) is inoperative under Third Party Fire & Theft except for loss or damage caused directly by fire or theft.

A car is a total or constructive total loss when it is destroyed, cannot be repaired for further use, or repair costs equal or exceed the sum insured or market value (whichever is lower). Payout is the market value at the time of loss, not exceeding the declared value; if the insurer retains the wreck it belongs to the insurer, otherwise salvage value is deducted. A 'New Car Concession' replaces the car with a new one of the same make/specification (or pays up to 10% above the declared value) if, within 12 months of first purchase as new, repair costs exceed 60% of list price or the car is stolen and not recovered; this concession is available under both Third Party Fire & Theft (when triggered by fire/theft) and Comprehensive cover.

Repairs to the insured car following accidental damage are covered; the policyholder may authorise minor repairs up to €250 without prior approval, provided an estimate is sent to the insurer without delay. Repairs may use non-original parts of similar standard. This cover is part of Section 1, which is fully operative only under Comprehensive.

Theft or attempted theft of the insured car is covered up to its market value/declared value, under both Third Party Fire & Theft and Comprehensive policies. A compulsory first €200 excess applies to theft claims. Cover does not apply if the car was left unlocked, with windows/sunroof open or unsecured, or with the ignition keys or entry devices left in or on the car, or left unattended with the engine running.

GasanMamo pays up to €1,000 per occurrence for replacement or repair of the windscreen, sunroof or window glass (and resulting bodywork scratching); no excess applies and a glass-only claim does not affect the No Claims Discount. This cover does not apply while the car is undergoing servicing or repairs, and is included automatically under Comprehensive cover (Section 8B), which is not operative under Third Party Fire & Theft.

'Fire' is defined as fire, lightning or explosion and is an insured peril under both Third Party Fire & Theft and Comprehensive cover. Other natural perils, such as storm or flood damage, are only covered via Comprehensive's general 'loss of or damage to your car' section (Section 1), which is inoperative under Third Party Fire & Theft except for fire or theft losses.

Damage from criminal activity such as attempted theft or malicious damage is addressed in the policy's accident guidance (report to police), and is covered as part of Comprehensive's general accidental damage cover (Section 1). This cover is not available under Third Party Fire & Theft, which only responds to fire or theft losses, not general malicious damage.

Roadside assistance for mechanical or electrical breakdown (Section 10) is included automatically at no extra cost under Comprehensive cover. It is available as a paid optional extra under Third Party Fire & Theft (Section 11A) and Third Party Only. While the car is abroad in a designated state, roadside assistance costs are covered up to €1,000 per period of insurance (Section 7C); this is not automatically extended for Third Party Fire & Theft/Third Party Only unless an additional premium has been paid.

GasanMamo contributes up to €250 in total per period of insurance towards the cost of hiring an alternative car of a similar type if the insured car cannot be used due to damage, fire or theft covered by the policy. Prior written approval and a fiscal receipt/hire agreement are required, and this cover does not apply if the driver at the time of the accident was under 21. Included automatically under Comprehensive (Section 8D); not available under Third Party Fire & Theft or Third Party Only.