Casco (own-damage car insurance) — Romania

[1] Own damage: Covered ↩

Coverage for damage caused by collisions, impacts, overturning, fire and explosions. These are the basic risks covered under the ABC Insurance Casco policy. The insured sum is the ceiling for any compensation.

Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).

[2] Total loss: 100% of insured sum ↩

Total loss is declared when the vehicle is stolen or when the cost of repairs (plus transport and damage-limitation costs) equals or exceeds 85% of the insured sum at the date of the insured event. In case of total loss the insurer is not obliged to take over the wreck. Compensation is limited to: (a) for theft – the insured sum; (b) for fire-caused total destruction – the insured sum minus the wreck value; (c) for repair at an authorised service – repair cost not exceeding the insured sum; (d) if the vehicle is not repaired – the insured sum minus the wreck value.

Prin daună totală se înțelege furtul autovehiculului asigurat sau avarierea acestuia într-un asemenea grad încât costul reparațiilor, la care se adaugă eventualele costuri de transport ale autovehiculului, precum și cele pentru măsuri de limitare a daunelor, estimate pe bază de deviz antecalcul efectuat în sistemul informatic de specialitate, sunt egale sau depășesc un procent de 85% din suma asigurată a autovehiculului la data producerii riscului asigurat.

[3] Partial loss: Covered ↩

Coverage for partial damage to the insured vehicle caused by insured risks including collisions, impacts, fire, natural perils and vandalism, where the repair cost does not meet the total loss threshold of 85% of the insured sum.

[4] Theft & robbery: Covered ↩

Coverage for vehicle theft and attempted theft. This is a basic risk covered under the ABC Insurance Casco policy. Theft must be notified within a maximum of 24 hours from the event.

Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).

[5] Glass damage: Covered ↩

Minor windscreen damage (scratches, chips, stone impacts) can be repaired quickly at partner service centres without requiring full replacement of the windscreen.

Poți repara rapid micile daune apărute la parbrizul mașinii tale, fie că e vorba de zgârieturi, ciobituri sau lovituri de piatră la parbriz, fără să fie necesară înlocuirea parbrizului.

[6] Natural perils: Covered ↩

Coverage for damage caused by natural disasters and weather phenomena (e.g. storms, hail, floods, lightning). This is a basic risk covered under the ABC Insurance Casco policy.

Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).

[7] Vandalism: Covered ↩

Coverage for damage caused by vandalism and other malicious acts. This is a basic risk covered under the ABC Insurance Casco policy.

Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).

[8] Roadside assistance: Not established from the reviewed documents ↩

Roadside assistance coverage status is not confirmed in the reviewed Casco policy documents; the claims guide only describes the claims-handling step for immobile vehicles, not a dedicated assistance service.

Dacă automobilul este nedeplasabil – ne contactezi telefonic → ne comunici service-ul sau locația în care va fi tractată mașina (pentru reparație / depozitare) → noi transmitem informațiile către un coleg specializat

[9] Replacement vehicle: Not established from the reviewed documents ↩

Replacement vehicle coverage status is not confirmed in the reviewed policy documents.

[10] Driver accident: Not established from the reviewed documents ↩

Driver accident coverage status is not confirmed in the reviewed Casco policy documents. ABC Insurance offers a separate personal accident product.

[11] Own damage: Covered ↩

Covers damages to the insured vehicle caused by collision, scratching, overturning, falling of objects on the vehicle, flooding of parking space due to burst pipes (including engine water aspiration damage), and damage during circulation outside public roads or on forest roads. Coverage limit equals the insured sum (market value at policy inception). Total loss is triggered when repair costs plus transport and damage-limitation costs equal or exceed 75% of the insured sum. Available only in the MAX package; the vehicle must not be older than 12 years.

Sunt acoperite daunele vehiculului asigurat provocate de: • coliziunea, zgârierea, răsturnarea, căderea vehiculului, căderea unor corpuri pe vehicul • inundarea spatiului unde vehiculul se afl parcat / staţionat, ca urmare a spargerii conductelor...

[12] Total loss: 100% of insured sum ↩

A vehicle is declared a total loss in the event of total theft, or when the estimated repair cost (plus any transport and damage-limitation costs) equals or exceeds 75% of the insured sum. Compensation equals the full insured sum. For total theft, the 60-day investigation period must elapse before payment. In the MAX package, the 'Protecție preț achiziție' (purchase-price protection) add-on pays the difference between the invoice purchase price and the insured sum, for new vehicles insured from the year of purchase, from year two onward, within 24 months of first registration. Coverage is available across Plus/Extra/Max packages for natural perils, fire/explosion, animal damage, and theft (Extra/Max); full collision-based total loss is MAX-only.

Vehiculul are o daună totală în următoarele situații: • furt total • avariere, în cazul în care costul reparaţiilor (estimate pe bază de deviz antecalcul, fără demontare)... sunt egale sau depăşesc 75% din suma asigurată a vehiculului.

[13] Partial loss: 100% of insured sum ↩

Partial losses are indemnified up to the insured sum (vehicle market value). The total of partial-loss payments over the insurance period cannot exceed the insured sum. Compensation is based on repair costs (parts + labour + paint materials) at partner service rates or, for non-partner shops, at partner-equivalent benchmark rates. Supplementary equipment not expressly listed is indemnified up to 5,000 RON per insurance year; listed supplementary equipment is indemnified up to the declared value. Wallbox is indemnified up to 2,000 EUR. Deductibles apply per event unless the at-fault party is a RCA-insured third party (deductible waived) or damage is limited to glazing repaired without replacement. An additional deductible of 2,500 RON applies if the vehicle was used for a non-personal purpose (taxi, driving school, rent-a-car) or driven by an unlisted driver aged 25 or under.

Totalul despăgubirilor pentru daune parţiale acordate de Allianz-Țiriac în intervalul perioadei asigurate nu poate depăşi suma asigurată a vehiculului, menţionată în contractul de asigurare.

[14] Theft & robbery: 100% of insured sum ↩

Covers: total theft of the vehicle; theft of component parts or equipment mounted on the vehicle; damage to the vehicle as a result of theft or attempted theft; costs to replace the locking system following key theft or loss (with prior Allianz-Țiriac approval). For electric/hybrid plug-in vehicles, also covers theft of charging cables, wallbox (up to 2,000 EUR), adapters, and traction battery. In case of total theft, compensation equals the full insured sum and is paid after the 60-day police investigation period. Deductible is waived for theft-related claims where the at-fault party is an identified third party. Key exclusions: vehicle left unlocked or with keys inside; vehicle documents left inside; vehicle entrusted to a person who refuses to return it; insufficient security measures not taken after key loss. Minimum two sets of keys required at policy inception (risk inspection). Available in EXTRA and MAX packages.

• furtul vehiculului • furtul unor elemente componente, piese montate pe vehicul • avarierea vehiculului ca urmare a furtului sau a tentativei de furt a vehiculului, componentelor acestuia sau bunurilor din vehicul • costurile de înlocuire a sistemelor de închidere în cazul furtului sau pierderii cheilor...

[15] Glass damage: Covered ↩

Covers repair or replacement costs for the windscreen, rear window, side windows, and glass sunroof/roof panels when damaged exclusively by an accident, falling objects, theft, attempted theft, or vandalism. Deductible is waived when glazing damage is remedied by repair (not replacement). Available in EXTRA and MAX packages.

În cazul evenimentelor accidentale care produc daune exclusiv parbrizului sau suprafețelor vitrate ale vehiculului sunt acoperite costurile de reparație sau, după caz, de înlocuire ca urmare a: • unui accident • unor căderi de corpuri • furtului, tentativei de furt, vandalismului.

[16] Natural perils: Covered ↩

Covers losses caused by: floods (including damage in flooded parking areas and water aspiration by the engine), storm, hurricane, earthquake, landslide, torrential rain, hail, lightning, weight of snow or ice, snow avalanche, and mechanical action of running water or objects carried by it. Excluded: damage inside the vehicle caused by any closure element left open, disassembled, or dismantled. Available in PLUS, EXTRA, and MAX packages.

Sunt despăgubite pierderile cauzate de următoarele fenomene naturale: • inundații... • furtună, uragan, cutremur, prăbuşire sau alunecări de teren, ploaie torențială, grindină, trăsnet, greutatea zăpezii sau a gheții, avalanşă de zăpadă, acțiunea mecanică a apelor curgătoare sau a obiectelor aduse de aceasta.

[17] Vandalism: Covered ↩

Covers damage caused to the insured vehicle by acts of vandalism, i.e. intentional destruction or damage by unknown persons who do not seek to take possession of the vehicle or its parts. General exclusions apply (e.g. intentional acts by the policyholder or relevant third parties). Available in EXTRA and MAX packages.

Se acordă despăgubiri pentru pagubele produse vehiculului prin acte de vandalism.

[18] Roadside assistance: Covered ↩

Basic coverage (CONFORT package): roadside repair (up to 1 hour labour), towing to nearest authorised service, passenger transport up to 50 km, mobile EV charging or towing to nearest charging station (max 2 events/year for flat battery), and information services. Valid across Europe (excluding Belarus, Ukraine, Russia, Moldova). Extended coverage (PLUS, EXTRA, MAX via the extended roadside assistance option): all basic services plus replacement vehicle (class below insured vehicle, max middle class), hotel accommodation up to 75 EUR/night/person for up to 3 nights, return transport home (train 1st class or economy flight if >750 km), fuel delivery, spare tyre replacement, retrieval after recovered theft, transport of remains, debris removal (up to 125 EUR), mobility transport up to 100 km. Intervention target: 45 minutes (approx. 80% of cases). Replacement vehicle: 4 days (2×/year) for breakdown/key/misfuel, 6 days for accident/vandalism/theft.

✓ Asistență rutieră acoperire de bază - acoperă reparația autovehiculului la locul accidentului, tractarea și depozitarea acestuia, precum și încărcarea mobilă pentru vehicule electrice / hibride plug-in

[19] Replacement vehicle: Covered ↩

A replacement vehicle (one class below the insured vehicle, up to middle class; for EV/hybrid plug-in, an EV/hybrid replacement if available) is provided when the vehicle cannot be repaired on the same day. Duration: 4 days (usable twice per policy year) for breakdown, misfuelling, key loss/damage; 6 days for accident, vandalism, theft of vehicle or components. Pick-up location covered up to 50 km from drop-off. The policyholder signs the rental contract directly with the rental company. Part of the extended roadside assistance coverage in PLUS, EXTRA, and MAX packages.

acoperim costurile cu închirierea unei mașini de schimb care este cu o clasă mai jos decât vehiculul asigurat, dar nu mai mult de clasa medie...

[20] Driver accident: Covered ↩

Covers the driver and passengers of the insured vehicle for death and permanent total disability resulting from a road accident during the policy period. Also covers temporary disability: hospitalisation for more than 10 consecutive days, or medical care and convalescence for more than 20 consecutive days, following a road accident. Coverage applies during use, stopping, entry/exit from vehicle, and loading/unloading baggage; for the driver, also during loading/unloading cargo and vehicle repair. Basic coverage is included in the CONFORT package (specific sum insured stated in the policy). Extended coverage (higher limits for driver and passengers) is included from the PLUS package onward (PLUS, EXTRA, MAX). Exclusions: suicide/attempted suicide/self-harm; alcohol, drugs, or non-prescribed medication. Death or permanent disability must be reported within 1 year of the accident date.

✓ Accidente persoane acoperire de bază - acoperă decesul sau vătămarea conducătorului sau pasagerilor vehiculului, ca urmare a unui accident rutier

[21] Own damage: 100% of insured sum ↩

Mandatory core section covering material damage to the insured vehicle caused by: road accidents (collisions, impacts, skidding, overturning), falling bodies on the vehicle, fire, lightning, explosion, torrential rain, hail, storm, hurricane, snowfall weight/ice, earthquake, flood, landslide/subsidence, accidental pipe bursting in the building where the vehicle is located, and measures taken to rescue the vehicle or persons. Indemnity is limited to the insured sum established at inception based on specialist vehicle valuation systems (mileage, technical characteristics, trim level, additional equipment). The insured sum is stated in EUR, USD or RON in the policy.

Asiguratorul acorda despagubiri pentru Pagubele materiale provocate Autovehiculului asigurat direct de urmatoarele Riscuri: i. Ciocniri, loviri, zgarieri sau izbiri cu alte vehicule sau cu obiecte mobile/imobile...

[22] Total loss: 100% of insured sum ↩

Covered under mandatory AVARII section. Total loss is declared when the estimated cost of repairs (including additional covered costs) exceeds the difference between the vehicle's value at the date of the insured event and the value of the undamaged remaining parts, per the insurer's assessment. In a total loss, the indemnity equals the insured sum stated in the policy (inclusive of transport/damage-limitation costs), less: the wreck value (the higher of the price obtained at online auction or 25% of the insured sum), applicable deductible franchises, and remaining unpaid premium installments. In case of total loss due to fire, the wreck value equals the scrap metal price.

In caz de Dauna totala: Suma asigurata inscrisa in polita, inclusiv cheltuielile de transport si/sau de limitare a Pagubei, din care se scade valoarea Epavei...

[23] Partial loss: 100% of insured sum ↩

Covered under mandatory AVARII section. Partial loss is damage where the vehicle can be restored to its pre-event condition through repair, reconditioning or replacement of components. Indemnity equals the cost of repairing or replacing damaged components, including materials, labour, and transport/damage-limitation costs, less the value of salvageable parts. Total partial-loss indemnities over the policy period cannot exceed the insured sum; indemnity above the sum insured is only paid if the last notified claim's cumulative total exceeds the insured sum, after which the contract terminates.

In caz de Dauna partiala: costul reparatiei partilor componente sau pieselor avariate ori costul de inlocuire sau reconditionare, inclusiv cheltuielile pentru materiale...

[24] Theft & robbery: 100% of insured sum ↩

Optional add-on section (Secțiunea FURT), available only together with the mandatory AVARII section, upon payment of supplementary premium. Covers: total vehicle theft or theft of components/parts; damage to the insured vehicle caused by theft or attempted theft of the vehicle, components, parts or items in the vehicle; theft or damage caused by attempted theft of additional equipment and/or permanent constructive modifications stated in the contract. Also covers key/lock replacement costs (lost or stolen keys) up to 5% of the insured sum for vehicles up to 3.5 tonnes. Total-theft indemnity is paid after 60 calendar days from notification, subject to police confirmation of non-recovery. For total theft, the full insured sum is paid.

Asiguratorul acorda despagubiri in cazul producerii urmatoarelor Riscuri: a) Furtul Autovehiculului sau al unor parti componente sau piese ale acestuia;

[25] Glass damage: Covered ↩

Glass damage is covered under the mandatory AVARII section when it results from an insured event (e.g. collision, hail, falling bodies). There is no standalone glass-only clause in the MAȘINA MEA product unlike some other products; glass damage caused by vandalism or unknown authors is only covered if the optional Vandalism/Unknown Authors section has been purchased. Indemnity is limited to the insured sum.

[26] Natural perils: 100% of insured sum ↩

Covered under mandatory AVARII section. Includes: torrential rain, hail, storm (vijelie), hurricane (vânt >117 km/h), snowfall/ice weight, snow avalanche, earthquake, flood (including coverage for water covering the parking area and mechanical action of flowing water), landslide/subsidence, and accidental pipe bursting in the building where the vehicle is located (refulare and similar). Indirect damage (e.g. tree struck by lightning falling on vehicle, roof collapsing due to snow weight) is also covered. Water aspiration into the engine as a result of natural flooding is excluded unless the optional Water Aspiration add-on is purchased.

vi. Fenomene atmosferice: Ploaie torentiala, Grindina, Furtuna, Uragan, Avalanse de zapada, Greutatea stratului de zapada/gheata; vii. Calamitati naturale: Cutremur de pamant, Inundatie, Prabusire sau alunecare de teren.

[27] Vandalism: 100% of insured sum ↩

Optional add-on section (Secțiunea VANDALISM, AUTORI NECUNOSCUȚI ȘI ANIMALE), available only together with the mandatory AVARII section, upon payment of supplementary premium. Covers material damage to the insured vehicle caused by: persons participating in acts of vandalism or unknown authors; and animals not under the policyholder's legal custody (gnawing, biting, tearing, scratching or entering/staying in the engine compartment). Does not cover vandalism damage solely within the habitacle in passenger transport vehicles (e.g. minibuses, coaches).

Asiguratorul acorda despagubiri pentru pagubele materiale produse autovehicului asigurat de catre: a) persoane care iau parte la acte de vandalism/autori necunoscuti;

[28] Roadside assistance: €150 ↩

Included in the mandatory AVARII section without additional premium. Covers, within the insured sum and up to EUR 1,500 per event (for damage-limitation and vehicle recovery costs): (a) Emergency road aid: transport of the vehicle if it cannot move under its own power from the site of the insured event to the nearest capable repair shop or shelter, including passengers in available space, up to EUR 150/event at specialized transport rates; (b) Secured parking deposit if the repair shop is outside working hours, up to EUR 50/event; (c) Passenger assistance if the insured event renders the vehicle unusable for 10 to 48 hours and occurred more than 100 km from the policyholder's address: accommodation costs up to EUR 50/day/person for max 2 nights, for driver and passengers up to the number of seats stated in the vehicle registration; (d) Driving by third parties with the policyholder's consent is also covered. Items (a), (b) and (c) apply only to passenger cars with max authorized mass up to 3.5 tonnes and max 9 seats.

a) Ajutor rutier de urgenta: transportul Autovehiculului daca acesta nu poate fi deplasat prin forte proprii, de la locul producerii Evenimentului asigurat la atelierul de reparatii cel mai apropiat...

[29] Replacement vehicle: See details ↩

A replacement vehicle (mașină la schimb) benefit is not offered in the MAȘINA MEA product.

[30] Driver accident: Optional ↩

Optional add-on section (Secțiunea ACCIDENTE PERSOANE ÎN AUTOVEHICUL), available only together with the mandatory AVARII section and only for passenger vehicles with max 9 seats and max authorized mass up to 3.5 tonnes, upon payment of supplementary premium. Covers all persons (including the driver) present in the vehicle at the time of an accident, for permanent invalidity and/or death resulting from the accident (occurring within max 1 year of the accident date). The insured sum (same for each insured person) is stated in the policy in the same currency as the vehicle insured sum. Indemnity scale for permanent invalidity is defined in the attached table (e.g. 100% for total paralysis or loss of both upper limbs; 35% for total loss of one eye, etc.).

Asiguratorul va acorda indemnizatii de despagubire pentru urmarile suferite de personele aflate in autovehiculul asigurat, inclusiv de catre conducatorul autovehiculului...

[31] Own damage: 100% of insured sum ↩

In CASCO Premium: covers material damage to the insured vehicle caused by collision with or scratching by other vehicles, mobile or immobile objects, persons or animals. In CASCO Value: collision/scratching risk is NOT covered. Compensation cannot exceed the insured sum stated in the Policy. Total loss threshold is 75% of the insured sum. Deductibles may apply as specified in the Policy.

Asigurătorul despăgubește Asiguratul, în caz de Avarie a Autovehiculului asigurat sau a unor părți componente ori piese ale acestuia, ca urmare a Coliziunii cu sau Zgârierii provocate de alte autovehicule, corpuri mobile sau imobile, persoane sau animale.

[32] Total loss: 100% of insured sum ↩

Covered in both CASCO Value and CASCO Premium. A vehicle is considered a total loss when repair costs (including transport and damage-limitation costs) exceed 75% of the insured sum at policy inception. Compensation equals the vehicle's actual market value at the time of the insured event minus the salvage value (recoverable wreck). The maximum indemnity for all insured events in one policy year cannot exceed the insured sum stated in the Policy. For total theft, compensation is paid no earlier than 60 calendar days after notifying the Insurer and upon police confirmation.

Avarierea Autovehiculului asigurat într-un asemenea grad încât refacerea prin repararea, înlocuirea, recondiționarea părților componente afectate (conform constatării Asigurătorului) nu mai este posibilă sau costurile/cheltuielile acestor operațiuni... depășesc 75% din suma asigurată a Autovehiculului, stabilită la data emiterii poliței de asigurare facultative CASCO Premium.

[33] Partial loss: 100% of insured sum ↩

Covered in both CASCO Value and CASCO Premium for insured perils. Compensation equals the total repair cost and/or replacement of damaged parts per the damage assessment, including materials, labour, plus reasonable transport costs and damage-limitation costs documented with receipts (up to 1,000 RON). The insured sum is not reduced by partial loss payments. Deductibles apply per the Policy. Labour rate benchmark for non-partner repairers: 250 RON/hour (incl. VAT). Parts discount applies: 25% for vehicles ≥3 years old, 20% for vehicles <3 years old when repaired at non-partner authorised repairers; 37% when no repair receipts are presented.

În cazul daunei parțiale (avarie parțială), costul total al reparațiilor și/sau înlocuirii elementelor avariate, ca urmare a producerii unui eveniment acoperit prin Contractul de asigurare, potrivit soluțiilor tehnologice stabilite prin procesul verbal de constatare a daunelor, inclusiv costurile materialelor și ale manoperei rezultate din actele de reparație.

[34] Theft & robbery: 100% of insured sum ↩

Covered in both CASCO Value and CASCO Premium. Covers: (i) total or partial theft and attempted theft including robbery; (ii) theft of parts/components/wheels mounted on the vehicle; (iii) damage caused by theft or attempted theft; (iv) partial theft from interior if carried out by break-in; (v) theft or accidental loss of keys/ignition devices/remote controls and locking system (excluding concurrent vehicle theft) – indemnity limited to 10% of the vehicle's insured sum, max 500 EUR, without deductible. For theft cover, the insured must possess at least 2 fully functional original keys coded to the vehicle's chassis number at the time of contracting. Theft cover is suspended if all functional keys are lost/stolen until the keys are replaced at the Insurer's cost and a new risk inspection is performed. Family members of the insured or associates of a legal-entity insured are excluded from theft cover. No coverage for theft by deception or using duplicate/original keys unless obtained through robbery. Total theft compensation is paid no earlier than 60 days after notification.

Asigurătorul despăgubește Asiguratul pentru Furtul Autovehiculului asigurat sau al unor părți componente ori piese ale acestuia ca urmare: (i) Furtului (total sau parțial) sau tentativei de Furt, inclusiv prin acte de Tâlhărie;

[35] Glass damage: Covered ↩

Covered in both CASCO Value and CASCO Premium. Covers damage and vandalism to the windscreen of the insured vehicle, including damage caused by unknown persons or acts of vandalism. Note: damage to other glazed elements (side windows, rear window, roof/sunroof, mirrors) is not covered as a standalone event unless accompanied by concurrent damage to other vehicle components; windscreen damage is specifically carved out and covered separately.

Asigurătorul acordă despăgubiri pentru daune/avarii produse/cauzate parbrizului Autovehiculului asigurat prin Poliță, inclusiv în cazul în care acestea sunt produse de autori necunoscuți sau prin acte de vandalism.

[36] Natural perils: 100% of insured sum ↩

Covered in both CASCO Value and CASCO Premium. Covers damage directly caused by: hail, flood (from torrential rain or water overflow), storm, hurricane, typhoon, cyclone, tornado, earthquake, snow avalanche, torrential rain, landslide/subsidence; falling bodies (trees, ice/snow blocks, boulders) onto the vehicle or onto the building housing the vehicle; lightning or explosion at a distance if causally linked to the damage; mechanical action of flowing water or objects carried by water; weight of snow or ice layer. Compensation is within the insured sum limits stated in the Policy; deductibles per the Policy may apply.

Asigurătorul acordă despăgubiri pentru daune produse/cauzate direct doar din următoarele riscuri: (i) grindină, inundație (din cauza ploilor torențiale, revărsării apelor), furtună, uragan, taifun, ciclon, tornadă, cutremur de pământ, avalanșe de zăpadă, ploaie torențială prăbușire sau alunecare de teren.

[37] Vandalism: Conditional ↩

In CASCO Premium only: covers damage caused by acts of vandalism or unknown perpetrators to the insured vehicle, including damage to tyres and rims and/or additional equipment expressly listed in the Policy. A 50% deductible applies to tyre damage if the tyres have exceeded the legal wear limit (minimum the Policy deductible). In CASCO Value: vandalism risk is NOT covered (explicitly stated in the definitions: 'Riscul de vandalism nu este acoperit prin prezenta Poliță, cu excepția cazurilor expres prevăzute' — the only express carve-out is windscreen damage).

Asigurătorul despăgubește Asiguratul, ca urmare a Avariilor produse Autovehiculului asigurat prin acte de Vandalism sau de autori necunoscuți.

[38] Roadside assistance: €500 ↩

CASCO Value: roadside assistance is bundled (included). CASCO Premium: roadside assistance is available as a separate 'Asistență Rutieră Plus' add-on contract (AR.M04.01). Both tiers provide 24/7 non-stop service, 365 days/year. Primary services: (1) on-site breakdown assistance; (2) towing/recovery up to 100 km from incident (excess distance charged to insured); (3) passenger transport – max 50 EUR (incl. VAT)/incident (only together with towing); (4) storage/parking – max 3 calendar days. Secondary services (if vehicle cannot be repaired same day and incident >50 km from insured's home): (i) journey continuation or return home – bus/train or economy flight if train >6h, max 500 EUR (incl. VAT)/vehicle/incident, plus taxi to station max 50 EUR; (ii) hotel accommodation – max 3 nights (not more than repair duration), max 3-star hotel with breakfast, transport to hotel max 50 EUR; (iii) temporary replacement vehicle (Asistență Rutieră Plus only) – max 15 days, max 700 EUR (incl. VAT), includes RCA and CASCO, unlimited km; (iv) passenger repatriation – max 500 EUR (incl. VAT)/vehicle/incident; (v) vehicle repatriation – if repair cannot be completed within 5 working days. Services 'Journey continuation' and 'Hotel' cannot be cumulated in the same incident. Eligible vehicles: max 12 years old at contracting, max 3,500 kg, max 7,000 mm length, max 2,400 mm height, max 6+1 seats, category M, registered in Romania. To use the service the vehicle must have the manufacturer-recommended maintenance up to date at an authorised dealer.

Pentru a beneficia de serviciile de asistență rutieră, Autovehiculul trebuie sa aibă la zi mentenanța recomandată de producător efectuată la un dealer autorizat.

[39] Replacement vehicle: €700 ↩

Available only as part of the 'Asistență Rutieră Plus' add-on (CASCO Premium tier). Activated when incident occurs >50 km from the insured's home and the vehicle cannot be repaired the same day. A replacement vehicle of a similar category is provided for a maximum of 15 days, within a total limit of 700 EUR (incl. VAT), not exceeding the repair duration. Provided without mileage limit and includes RCA and CASCO cover. Additional costs (fuel, road tolls, optional insurance, deposit, penalties for late return) are borne by the insured. Not available under CASCO Value (base roadside assistance).

Asigurătorul poate oferi mașină la schimb, dintr-o categorie similară, pentru o perioada de cel mult 15 zile, în limita totală a maxim 700 EUR (TVA inclus), dar nu mai mult de durata reparației.

[40] Driver accident: 100% of insured sum ↩

Covered in both CASCO Value and CASCO Premium. Covers the driver of the insured vehicle for: (i) death resulting from a covered road accident – 100% of the accident insured sum; (ii) permanent disability (various degrees: grade I = 100%, grade II = 75%, grade III = 50%; total functional losses listed in the policy = 100%); (iii) medical expenses (medicines, medical materials, devices recommended by a specialist) – within the insured sum per person per policy period, documented with receipts; (iv) temporary work incapacity – daily indemnity multiplied by the number of covered days, not exceeding the maximum of 180 insured days or the insured sum. The insured sum for personal accident is established per person and per insurance period. If the number of persons in the vehicle exceeds the number of registered seats, the insured sums per person are reduced proportionally. Indemnity is payable independently of social insurance benefits or damages from third parties. In the event of death, beneficiaries are the legal heirs or a person designated by the insured.

Asigurătorul acordă despăgubiri pentru Accidentele rutiere survenite în perioada de asigurare, care s-au produs pe un Drum public, în care a fost implicat Autovehiculul asigurat și au avut ca urmare decesul sau rănirea șoferului Autovehiculului asigurat.

[41] Own damage: Covered ↩

Covers direct material damage to the insured vehicle caused by: collisions, impacts, scratches, falls (including objects falling on the vehicle), skidding, overturning; fire, explosion, lightning; atmospheric phenomena (torrential rain, hail, storm, hurricane, avalanche, snow/ice weight, lightning); natural disasters (earthquake, flood, landslide/subsidence); action of pipe water (accidental pipe burst in the building where the vehicle is located). Compensation is limited to the insured sum stated in the policy; total damage threshold is 80% of the insured sum.

2.2.1. AVARII. Asiguratorul acorda despăgubiri pentru Pagubele materiale provocate Autovehiculului asigurat direct de următoarele Riscuri:

[42] Total loss: 100% of insured sum ↩

Total loss is declared when estimated repair costs (including loss-limitation costs) equal or exceed 80% of the insured sum, or in the event of total theft of the vehicle. Compensation equals the insured sum minus: the wreck value (the higher of the online auction price or 20% of the insured sum), any deductibles, and outstanding premium installments (when indemnity exceeds double the annual premium).

1.14. Daună totală: prejudiciul material suferit de Asigurat în urma furtului total al vehiculului asigurat sau distrugerii în întregime a acestuia, sau când refacerea pe cale de reparatie nu mai este posibilă ori costul estimat al reparatiilor/inlocuirilor partilor avariate (inclusiv costurile/cheltuieli de limitare a pagubelor) este egală sau depăşeşte 80% din suma asigurată a autovehiculului.

[43] Partial loss: Covered ↩

Partial loss covers damage requiring repair, reconditioning or replacement of components to restore the vehicle to its pre-loss condition. Compensation equals the cost of repairs/replacements (parts, labour, materials, transport to the nearest repair shop) minus applicable deductibles and any outstanding premium installments. The insurer verifies repair estimates against specialist software (Audatex, DAT, Eurotax).

1.13. Daună partială: dauna a autovehiculului asigurat, ce necesită repararea, recondiționarea sau înlocuirea unor părti componente, astfel încât autovehiculul sa fie readus în starea dinaintea producerii riscurilor asigurate;

[44] Theft & robbery: Optional ↩

Optional coverage for: total vehicle theft; partial theft (components, parts, wheels); damage caused to the vehicle as a result of theft or attempted theft; theft/damage of additionally insured accessories/permanent modifications. For total theft, mandatory deductibles apply: 10% of insured sum on Romanian territory; 20% of insured sum outside Romania. At least 2 sets of functional keys required at policy inception. Theft claim paid after 60 days (total theft) or 30 days (partial theft) from notification, if vehicle/parts not recovered.

2.3.3.3. Asiguratorul acopera riscul de furt total cu aplicarea următoarelor franșize deductibile obligatorii, în funcție de tipul autovehiculului asigurat și de acoperirea teritorială înscrisă în Contractul de asigurare/Actul adițional la polița de asigurare, respectiv: a) 10% din suma asigurată, pe teritoriul României; b) 20% din suma asigurata in afara teritoriul României;

[45] Glass damage: Optional ↩

Optional clause (DSV) covering repair or replacement of glazed elements (windscreen, side windows, rear window, headlights, fog lights, indicators, position lights, roof hatch, rear optical blocks) when only these are damaged in an insured event, and scratching of the vehicle body caused by breaking of glazed surfaces. Excluded: manufacturing/mounting defects, thermal shock, wear/ageing. By default (without DSV), damage to glazed surfaces alone is NOT covered under the base policy.

Asigurătorul acordă despăgubiri, în limita sumelor asigurate precizate în Polița de asigurare și pentru repararea sau înlocuirea (după caz) a elementelor vitrate ale autovehiculului atunci când sunt avariate numai acestea în momentul producerii unui eveniment asigurat, precum și pentru zgârierea autovehiculului ca urmare a spargerii suprafețelor vitrate ale acestuia.

[46] Natural perils: Covered ↩

Included in the base AVARII coverage: torrential rain, hail, storm/hurricane, snow avalanche, snow/ice weight, lightning, earthquake, flood (including pipe-burst flooding in the building), landslide/subsidence, tornado. Includes indirect effects (e.g. tree struck by lightning falling on vehicle, mechanical action of flood-carried objects). Engine/electronics damage from driving into flooded areas is excluded from the base policy but coverable via optional CDI clause.

a) Fenomene atmosferice: Ploaie torențială, Grindină, Furtună, Uragan, Avalanșe de zăpadă, Greutatea stratului de zapada/gheață, Trăsnet; b) Calamităti naturale: Cutremur de pământ, Inundație, Prăbușire sau alunecare de teren;

[47] Vandalism: Covered ↩

Included as a BASE risk (§2.2.2): covers damage caused by persons committing acts of vandalism (including chemical/corrosive substances used by third parties), persons participating in strikes, civil unrest, spontaneous rallies, riots, unknown authors (including damage in parking), and animals (other than those in the insured's legal custody). Any deductible applicable to this coverage is as set out in the insurance policy/offer (Cap. X).

2.2.2. VANDALISM Asiguratorul acordă despăgubiri pentru prejudiciile produse de: a) persoane care săvârșesc acte de vandalism (inclusiv despăgubiri pentru avariile produse în urma folosirii unor substanțe chimice sau corozive de către terțe persoane);

[48] Roadside assistance: €300 ↩

Included in the base policy under costs/expenses covered (§2.2.3.1): emergency towing of the vehicle if it cannot move under its own power after an insured event, to the nearest repair shop or designated space (up to 100 km from the event location), including passenger transport within available space in the tow vehicle. Limit: 300 EUR/event for cars and other vehicles; 800 EUR/event for commercial vehicles and semi-trailers with maximum authorized mass over 7.5 tonnes. Extended roadside assistance (ARE clause, §2.3.7) is optional and covers breakdowns without accident, up to 300 EUR on Romanian territory only for passenger cars up to 3.5t and max 9 seats.

asistența rutieră de urgență, respectiv transportul Autovehiculului dacă acesta nu poate fi deplasat prin forțe proprii, de la locul producerii Evenimentului asigurat la atelierul de reparatii cel mai apropiat care poate efectua reparatia sau la un spațiu amenajat (garaj/parcare - dar nu mai mult de 100 km de la locul evenimentului) inclusiv transportul pasagerilor in limita spațiului disponibil în mijlocul de tractare.

[49] Replacement vehicle: €50 ↩

Optional clause (ALS, §2.3.8): covers rental car costs up to 50 EUR/day for a maximum of 5 calendar days (or the repair period, whichever is shorter), once per insurance period. Available only for passenger cars used for private purposes (taxi, rent-a-car, courier, security, driving school, ambulance, hazardous goods transport and demo/drive-test vehicles excluded). Coverage is valid exclusively on Romanian territory. Fuel, guarantees and other ancillary rental costs are excluded.

2.3.8.1. Asiguratorul acorda despagubiri, in limita sumelor asigurate precizate în Polița de asigurare și pentru cheltuielile efectuate de Asigurat pe teritoriul României exclusiv pentru costurile de închiriere pentru maxim 5 (cinci) zile calendaristice dar fără a depăşi perioada necesară reparării autoturismului, a unui autoturism la schimb...

[50] Driver accident: Optional ↩

Optional clause (§2.3.13): covers all persons in the insured vehicle at the time of accident (with insured's consent, up to the number of seats in the vehicle registration). Covered events: death from accident; permanent disability from accident; daily hospital/outpatient indemnity from day 7, for up to 45 days. Insured sums are set per person transported, as chosen by the insured at policy inception (separate sums for death, permanent disability, daily indemnity). Valid in Romania and abroad.

2.3.13. ASIGURAREA DE ACCIDENTE A CONDUCĂTORILOR DE AUTOVEHICULE ŞI A PERSOANELOR TRANSPORTATE

[51] Own damage: Unlimited ↩

Coverage for vehicle damage resulting from accidents, collisions, rollovers, and impacts with objects or other vehicles; sum insured equals the vehicle's market/agreed value at policy inception

accidente și lovituri în trafic dacă implică o coliziune sau un impact, ești acoperit

[52] Total loss: 100% of insured sum ↩

Coverage for total loss of the insured vehicle; compensation equals the insured sum at the time of loss. Optional GAP coverage available for vehicles up to 3 years old to cover the new vehicle value without depreciation deduction

[53] Partial loss: Unlimited ↩

Coverage for partial damage to the insured vehicle up to the insured sum; includes parking damage, scratches, dents, and minor damage

zgârieturi sau lovituri în parcare daune produse mașinii tale staționate, indiferent de cauză

[54] Theft & robbery: Unlimited ↩

Coverage against total theft, partial theft, and theft damage including components; standard coverage included in eazy CASCO Total

[55] Glass damage: Unlimited ↩

Coverage for windshield and glass breakage/damage; explicitly included as a standard coverage in CASCO Total (distinct from collision coverage)

avarii la parbriz și geamuri fisuri, spărturi sau înlocuirea completă

[56] Natural perils: Unlimited ↩

Coverage for damage from hail, storms, floods, earthquakes, landslides, and other natural phenomena; fire, explosion and lightning strike damage also included as standard

vreme extremă grindină, ploaie torențială, furtună, uragan sau avalanșă

[57] Vandalism: Unlimited ↩

Coverage for intentional damage by third parties (vandalism); CASCO Total explicitly covers vehicles up to 10 years old against vandalism

[58] Roadside assistance: Unlimited ↩

24/7 roadside assistance including towing and technical support, included in the CASCO Total price; contact 021 9704 for assistance; covers technical defects as well

asistență rutieră plan Esențial tractare 24/7 oriunde ești, inclusiv pentru defecțiuni tehnice

[59] Replacement vehicle: Excluded ↩

Replacement vehicle (mașină la schimb) may be available; sources mention it as a potential CASCO benefit but it is not explicitly confirmed as standard inclusion in CASCO Total — it may be an optional add-on

[60] Driver accident: Optional ↩

Optional coverage for personal accidents suffered by the driver or passengers; available as an optional add-on (Accidente persoane) in CASCO Total; not included as standard

accidente persoane despăgubiri pentru tine și pasageri în caz de deces sau invaliditate

[61] Own damage: 100% of insured sum ↩

Covers damages caused by collisions, hits or impacts with other vehicles or any mobile/immobile objects, scratches, falls (e.g. fall into a precipice, fall into water during transshipment, fall due to bridge collapse), objects falling on the vehicle, skidding and overturning. Insured sum equals market value of the vehicle.

Avarii cauzate de ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile, zgarieri, caderi (de ex: cadere în prapastie, cadere in apa cu prilejul transbordarii, cadere din cauza ruperii podului), caderi ale unor corpuri peste autovehicul, derapari sau rasturnari.

[62] Total loss: 100% of insured sum ↩

Total loss is covered under the standard own-damage clause up to the insured market value of the vehicle. Vehicles are insured at market value determined automatically via specialized IT systems or via the insurer's depreciation algorithm based on new value and wear coefficients; for new vehicles with 0–100 km, the insured sum equals the purchase invoice value.

Autovehiculele se asigura la valoarea de piata. Aceasta se obtine automat din sistemele specializate IT, sau, daca acest lucru nu este posibil, in baza algoritmului propriu de estimare al Asiguratorului bazat pe valoarea de nou a autovehiculului si coeficienti de uzura diferentiati.

[63] Partial loss: 100% of insured sum ↩

Partial losses are covered under the standard own-damage clause. Repair of series equipment/accessories is covered when damaged simultaneously with the vehicle.

Avarii cauzate de ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile, zgarieri, caderi.

[64] Theft & robbery: 100% of insured sum ↩

Covers theft of the vehicle, or of its component parts or pieces, including the ignition keys or access/start cards, and damages resulting from theft or attempted theft.

Furt (al autovehiculului, al unor parti componente sau al unor piese ale acestuia, inclusiv ale cheilor de contact sau cardurilor de acces – pornire) si pagube ca urmare a furtului sau tentativei de furt.

[65] Glass damage: Covered ↩

Glass damage (cracking or fissuring of the glazed surfaces of the insured vehicle) resulting from an accident is explicitly covered as a base risk, per the insurer's Insurance Product Information Document.

FISURAREA, CRĂPAREA suprafețelor vitrate ale autovehiculului asigurat ca urmare a unui accident

[66] Natural perils: 100% of insured sum ↩

Covers damages caused by fire, lightning, explosion, torrential rain, hail, flood, storm, hurricane, earthquake, land collapse or land slide, weight of snow or ice layer, snow avalanches, and objects falling on the construction where the vehicle is parked.

Avarii cauzate de incendiu, trasnet, explozie, ploaie torentiala, grindina, inundatie, furtuna, uragan, cutremur de pamant, prabusire sau alunecare de teren, greutatea stratului de zapada sau de gheata, avalanse de zapada, caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.

[67] Vandalism: 100% of insured sum ↩

Vandalism is explicitly listed as a covered peril in the standard conditions. Damages caused by vandalism to the insured vehicle are covered according to the general insurance conditions.

caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.

[68] Roadside assistance: €200 ↩

Emergency roadside assistance is included, limited to EUR 200 per event and a maximum of 2 interventions during the insured period.

Asistenta rutiera pentru situatii de urgenta, in limita a 200 EUR per eveniment si max. 2 interventii in perioada asigurata.

[69] Replacement vehicle: See details ↩

No replacement vehicle coverage is mentioned on the standard individual CASCO product page. This benefit is not listed among covered perils or included services.

[70] Driver accident: See details ↩

Passenger/driver accident coverage (death, permanent disability, hospitalization indemnity) is not listed on the standard individual CASCO product page. This coverage is present in the CASCO Gold variant for legal persons but is not confirmed for the standard individual product.

[71] Own damage: 100% of insured sum ↩

Damage to the insured vehicle is covered as follows by tier: Simplu covers natural perils (lightning, falling stones, landslides, floods, avalanches, hail, storms, water overflow, floods, earthquakes, snow weight) and fire or explosion (excluding fire/explosion caused solely by driver fault). Complet adds: collisions with other vehicles or objects, falling objects on vehicle, collision with moving animals on public roads, and damage while parked. Top adds: theft/robbery, vandalism, and glass breakage. Compensation is limited to the market value of the vehicle at the time of the insured event (insured sum). Total loss is declared when estimated repair costs exceed 75% of the insured sum or the vehicle is stolen.

a. următoarele fenomene naturale: efectele directe produse de fulger, căderea pietrelor de pe versanți, alunecări de teren, viituri, avalanşe, grindină, furtună, revărsări de ape, inundaţii, cutremure, greutatea stratului de zăpadă

[72] Total loss: 100% of insured sum ↩

Total loss is declared when the vehicle is damaged in an insured event and estimated repair costs exceed 75% of the insured sum, or if the vehicle is stolen. In case of total loss, the insurer pays the market value of the vehicle at the time of the loss (equivalent to a vehicle of the same type, quality, and wear), less the salvage value (determined by auction or technical expert appraisal), transport costs, the deductible, and any other amounts due under the contract. Indemnity cannot exceed the insured sum or the actual vehicle value.

se consideră daună totală situația în care vehiculul este avariat în urma unui risc asigurat, iar costurile estimate de reparare depășesc 75% din suma asigurată sau dacă vehiculul este furat

[73] Partial loss: 100% of insured sum ↩

In case of partial damage, the insurer covers repair costs (based on an estimate approved before repair begins), plus recovery and transport costs to the nearest suitable repair unit up to 100 km and 100 EUR. If the insured opts for self-repair, the insurer reimburses estimated costs (excluding VAT) calculated at local dealer rates with a 50% discount on labour and parts. Non-partner repair unit costs are reimbursed at standard calculated values at local dealer rates. Improvements or modifications to the vehicle, wear-related repairs, and loss of use costs are not covered.

costurile de recuperare şi transport a vehiculului până la cea mai apropiată unitate reparatoare care poate asigura repararea în bune condiții a vehiculului, în limita a 100 km. și a 100 Euro

[74] Theft & robbery: 100% of insured sum ↩

Covered only in the Top tier. Covers theft or robbery of the vehicle by persons who are not relatives (up to 4th degree) or legal associates (employees/agents) of the policyholder/insured. Also covers costs for replacing the lock/unlock/blocking/unblocking set due to theft or loss of keys/cards/remote controls, and costs for theft-prevention measures taken by the insured. For total theft: insured must present vehicle ID, registration certificate, and all keys within 48 hours. If the vehicle is recovered after indemnity payment, it becomes the insurer's property. Recovery costs after a reported theft are indemnified up to 2% of the insured sum without deductible retention. A 30% deductible of the insured sum applies to total theft risk for Bulgaria and Republic of Moldova. Not covered in Simplu or Complet tiers.

furt sau tâlhărie produse asupra vehiculului de către persoane care nu sunt rude sau afini până la gradul al IV-lea ale contractantului/asiguratului

[75] Glass damage: Conditional ↩

Covers breakage of windshields, side windows, rear windows, and glass or panoramic roofs for passenger cars and light commercial vehicles up to 3.5 tonnes maximum weight, regardless of cause. Under the Top tier, glass breakage is covered as a standalone peril. Under the Complet tier, glass breakage is covered only when multiple vehicle elements are damaged together with the glass as a result of an insured event. Not covered under the Simplu tier.

în cazul autoturismelor și a autoutilitarelor cu masa maximă de până la 3,5 tone sunt asigurate daunele constând în spargerea parbrizelor, geamurilor laterale şi lunetelor, precum şi a plafoanelor de sticlă şi a celor panoramice

[76] Natural perils: 100% of insured sum ↩

Included in all tiers (Simplu, Complet, Top). Covers direct effects of: lightning, falling stones from slopes, landslides, flash floods, avalanches, hail, storms, water overflow, floods, earthquakes, and snow weight. Also includes damage caused by the collision of objects carried by natural phenomena with the insured vehicle. Fire and explosion (including from technical causes) are also covered in all tiers, except where caused solely by driver fault.

următoarele fenomene naturale: efectele directe produse de fulger, căderea pietrelor de pe versanți, alunecări de teren, viituri, avalanşe, grindină, furtună, revărsări de ape, inundaţii, cutremure, greutatea stratului de zăpadă

[77] Vandalism: 100% of insured sum ↩

Covered only in the Top tier. Covers intentional destruction or damage to the insured vehicle by a person or group who does not seek to take the vehicle or its components. The perpetrators must not be relatives (up to 4th degree) or legal associates (employees/agents) of the policyholder/insured. Not covered in Simplu or Complet tiers.

vandalism produs asupra vehiculului de către persoane care nu sunt rude sau afini până la gradul al IV-lea ale contractantului/asiguratului

[78] Roadside assistance: Excluded ↩

Roadside assistance is not included in the CASCO policy terms and conditions.

[79] Replacement vehicle: See details ↩

Replacement vehicle coverage is not mentioned in the CASCO policy terms and conditions (CGAAC 2020) or the IPID. The policy explicitly excludes losses caused by lack of use of the vehicle (indirect/consequential losses). No replacement vehicle benefit is provided under this product.

daune indirecte sau de consecinţă (de exemplu: reducerea valorii vehiculului după reparație), pierderi cauzate de lipsa folosinței autovehiculului, cheltuieli ocazionate de deplasarea la locul producerii riscului asigurat, costul îngrijirilor medicale acordate persoanelor aflate în autoautovehicul și accidentate în evenimente acoperite prin asigurare

[80] Driver accident: Excluded ↩

Not covered. The CASCO policy explicitly excludes medical care costs for persons in the insured vehicle injured in covered events (Article 11, point 6.12). Personal accident coverage for the driver is not provided within this product.

costul îngrijirilor medicale acordate persoanelor aflate în autoautovehicul și accidentate în evenimente acoperite prin asigurare

[81] Own damage: 100% of insured sum ↩

Covers damage caused by collisions, impacts, scratches, falls, objects falling on the vehicle, skidding and overturning. Included in packages Contre-pied, Défense and Extrême (AUTO) and Moto Complet and Moto Anotimpuri summer season. Excluded from Arrêt and Bon-courage. Compensation up to the insured sum (the insured sum is vehicle's residual value relative to new value). Total loss threshold is 80% of insured sum. For partial loss, repair cost is calculated using Groupama's specialist IT system (Audatex methodology per official product page).

Asigurătorul acordă despăgubiri pentru: ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile aflate în afara autovehiculului asigurat, zgârieri, căderi (căderi de corpuri pe autovehicul, cădere în prăpastie, cădere în apă cu prilejul transbordării, cădere din cauza ruperii podului etc), derapări, răsturnări.

[82] Total loss: 100% of insured sum ↩

Total loss is declared when repair cost (including transport and damage-limitation measures, estimated via specialist IT system) equals or exceeds 80% of the insured sum at the date of the insured event. In case of theft (all packages with theft cover) the compensation equals the insured sum. In case of total destruction other than theft: insured sum less wreck value (assessed by Groupama via specialist auction sites), or repair cost if repaired at an authorized service up to the insured sum. The insurer is not obliged to take over the wreck in the event of major damage treated as total loss. Remaining premium installments and contractual deductible are deducted from the compensation amount without requiring the insured's express consent.

Prin daună totală se înţelege furtul autovehiculului asigurat sau avarierea acestuia într-un asemenea grad încât costul reparaţiilor, la care se adaugă eventualele costuri de transport ale autovehiculului, precum şi cele pentru măsuri de limitare a daunelor, estimate pe bază de deviz antecalcul efectuat în sistemul informatic de specialitate, sunt egale sau depăşesc un procent de 80% din suma asigurată a autovehiculului la data producerii riscului asigurat.

[83] Partial loss: 100% of insured sum ↩

Partial loss covers repair or replacement of damaged components. All packages include at minimum natural perils and fire/lightning/explosion partial loss (Arrêt). Collision-related partial loss is included from Contre-pied upward. Compensation equals the cost of repairs to damaged parts or replacement cost, calculated using Groupama's specialist IT system. For passenger cars and light commercials (up to 3.5t), repairs must be performed at agreed repair units or authorized dealerships (default Option B); Option A (agreed units only, premium reduction) and Option C (any repair unit, premium surcharge) are supplementary clauses. If repaired outside the network without the relevant clause, compensation is limited to 70% of parts/paint materials price and 50 lei/labour hour plus VAT. A full exterior repaint is considered necessary when damaged areas represent at least 50% of total exterior surface in a single event.

Prin daună parţială se înţelege avarierea autovehiculului asigurat sau furtul unor părţi componente ale acestuia, ca urmare a unui eveniment asigurat, astfel încât readucerea în starea de dinaintea producerii riscului asigurat poate fi făcută prin repararea, recondiţionarea sau înlocuirea unor părţi componente

[84] Theft & robbery: 100% of insured sum ↩

Covers theft of the entire vehicle, theft of component parts or accessories mounted on the vehicle (including wheels), and damage caused to the vehicle as a result of theft or attempted theft. Also covers theft or destruction of additional equipment declared in the questionnaire if included for the theft risk. Included in packages Bon-courage, Défense and Extrême (AUTO) and Moto Complet and both Moto Anotimpuri seasons. Excluded from Arrêt and Contre-pied. In case of lost keys, reimbursement for lock set/ignition replacement is limited to 5% of the vehicle insured sum. Theft compensation is paid only after 30 calendar days (partial theft) or 60 calendar days (total theft) have elapsed from the date of the insured event without recovery. At least 2 sets of functional keys coded to the chassis number are required for theft coverage to be issued.

c. Furt (furtul autovehiculului sau al unor părţi componente ori piese ale acestuia), precum şi avarii produse acestuia ca urmare a furtului sau a tentativei de furt.

[85] Glass damage: Optional ↩

Damage exclusively to glazed elements (windscreen, rear window, side windows, headlights, projectors, indicators, position lights, sunroof, glass roof and similar) is excluded from the base packages unless caused simultaneously with damage to the vehicle body in the same insured event. Standalone glass-only damage is covered as an optional supplementary clause ('Clauza privind acoperirea daunelor produse exclusiv elementelor vitrate'), available for any package upon payment of an additional premium. This clause is automatically included in MOTO packages (Moto Complet and Moto Anotimpuri summer season).

Prin derogare de la Capitolul 11 - Excluderi generale, Art. 11.2, litera w) din Condiţiile generale de asigurare şi în schimbul plăţii unei prime de asigurare suplimentare, în baza prezentei clauze se acordă despăgubiri pentru daunele materiale produse în exclusivitate elementelor vitrate ale autovehiculului asigurat, pentru riscurile menţionate în Poliţa de asigurare.

[86] Natural perils: 100% of insured sum ↩

Included in all five AUTO packages (Arrêt, Bon-courage, Contre-pied, Défense, Extrême) and all MOTO packages. Covers damage caused by: torrential rain (including indirect effects), hail, flooding (including from burst pipes), storm, hurricane, earthquake, ground collapse or landslide, weight of snow or ice, snow avalanches, and indirect effects of these phenomena (e.g. tree struck by lightning falling, mechanical action of objects carried by storm or hurricane, collapse of roofs/structures). Also covers fire, lightning and explosion (including technical causes), including damage from smoke, staining, charring and fire-fighting measures. In case of inundation, covers damage caused by water covering the vehicle's parking location from any source including mechanical action of running water or objects carried by water.

calamităţi naturale: ploaie torenţială (inclusiv efectele indirecte ale acesteia), grindină, inundaţie (inclusiv ca urmare a spargerii unei conducte în clădirea în care se află autovehiculul sau din orice alte cauze similare), furtună, uragan, cutremur de pământ, prăbuşire sau alunecare de teren, greutatea stratului de zăpadă sau de gheaţă, avalanşe de zăpadă

[87] Vandalism: 100% of insured sum ↩

Covers intentional destruction or damage by vandals, persons participating in strikes, civil unrest, spontaneous demonstrations, riots; damage by unknown perpetrators; damage from chemical or corrosive substances; and damage caused by animals while the vehicle is stationary. Included only in the Extrême package (AUTO). For MOTO: included in Moto Complet and in both seasons of Moto Anotimpuri (15.03-14.11 and 15.11-14.03). Excluded from Arrêt, Bon-courage, Contre-pied and Défense packages.

Moto Anotimpuri 15.03 - 14.11 ● ● ● ● ● ● 15.11 - 14.03 ● - ● ● - -

[88] Roadside assistance: Covered ↩

Basic roadside assistance is included free of charge in every CASCO Gradual package. Covers transport, recovery and parking of the vehicle following insured events (natural perils, fire, accident, vandalism or theft of parts making displacement impossible). Must be activated by calling Alo Groupama 0374 110 110. Sub-limits: vehicle recovery off-road up to EUR 200 for vehicles up to 3.5t, EUR 500 for vehicles 3.5t-40t; temporary parking/storage up to 3 days; towing to chosen service (Romania) or nearest authorized service (abroad). For vehicles over 40t, costs reimbursed based on documents at EUR 1/km for towing where no documents available. Premium Roadside Assistance is an optional supplementary clause ('Clauza de Asistență Rutieră Premium') for vehicles up to 3.5t, adding cover for mechanical/electrical breakdowns, lost/locked keys, fuel issues and dead battery; replacement vehicle up to EUR 70/day (3 days for breakdowns, 7 days for accident/vandalism/theft); hotel up to EUR 80/night (3 nights); trip continuation up to EUR 200 in Romania / EUR 500 in Europe; taxi up to EUR 80; vehicle recovery abroad up to EUR 1,000. Response time guaranteed: max 1 hour in Romania, max 4 hours abroad (Premium clause).

Asistenţa Rutieră de Bază (este inclusă gratuit în orice pachet de asigurare CASCO Gradual)

[89] Replacement vehicle: €70 ↩

Replacement vehicle is available exclusively under the optional Premium Roadside Assistance clause ('Clauza de Asistență Rutieră Premium'), for vehicles up to 3.5t. In case of mechanical/electrical breakdown or lost/locked keys/fuel issues/dead battery: similar category replacement vehicle for up to 3 days at up to EUR 70/day. In case of accident, vandalism, theft of parts preventing displacement, or total theft: replacement vehicle for up to 7 days but not exceeding the repair period, at up to EUR 70/day. Services under articles 6.2 (replacement vehicle), 6.3 (hotel) and 6.4 (trip continuation) cannot be combined; the insurer and insured jointly determine the most advantageous service. Not available as a standalone base-package benefit.

Asigurătorul va pune la dispoziţia Asiguratului o maşină de schimb de categorie similară pentru o perioadă de maxim 3 zile, dacă autovehiculul acoperit de serviciul de asistenţă nu poate fi reparat în aceeaşi zi... Serviciile pentru această acoperire sunt limitate la 70 eur/zi.

[90] Driver accident: Optional ↩

Section II of the General Conditions provides accident coverage for the driver and other persons in the insured vehicle, for cases of permanent disability and death caused by accident. Sums insured are set separately for permanent disability and death per the insured's request, applicable per person up to the number of seats stated in the registration certificate. Coverage is valid for the same territorial scope as Section I. Claim is payable only if permanent disability or death occurs within 1 year from the accident. Degree of permanent disability is assessed using the percentage scale in Annex 1 of the T&C. Medical expenses are explicitly excluded. This coverage is an optional paid addition to the CASCO Gradual policy.

1.1 În asigurare se cuprind conducătorii autovehiculelor şi alte persoane aflate în acestea, atât pentru cazurile de invaliditate permanentă, cât şi pentru cazurile de deces din accident.

[91] Own damage: 100% of insured sum ↩

Covers damage caused directly by: collisions and scratches with other vehicles, mobile or immobile objects, persons or animals/birds; falling of the vehicle (into water, into ravine etc.), skidding and overturning; falling of objects onto the vehicle (trees, blocks of ice or snow, boulders etc.); pipe bursting; action of chemical or corrosive substances from outside the vehicle; weight of snow or ice layer. Coverage up to the insured sum stated in the policy. Total loss threshold: repair/replacement costs exceeding 70% of the insured sum of the vehicle plus market value of declared supplementary equipment at the date of the insured event.

coliziuni, zgârieri cu alte vehicule, corpuri / bunuri mobile sau imobile, persoane sau animale / păsări; căderea autovehiculului (în apă, în prăpastie etc.), derapări şi răsturnări; căderea pe autovehicul a unor corpuri (copaci, blocuri de gheaţă sau de zăpadă, bolovani etc.)

[92] Total loss: 100% of insured sum ↩

Vehicle declared a total loss when repair/replacement/reconditioning costs (including transport of damaged vehicle and damage limitation measures) exceed 70% of the insured sum of the vehicle and the market value of declared supplementary equipment at the date of the insured event. Compensation equals the insured sum of the vehicle and market value of declared supplementary equipment minus the wreck value. Wreck value is assessed via online auction within 10 working days (max 25% of insured sum if no offers). Policy ceases upon total loss settlement.

costurile / cheltuielile acestor operaţiuni, inclusiv cele aferente transportului autovehiculului avariat, măsurilor de limitare a daunei (dacă este cazul) depăşesc 70% din suma asigurată a autovehiculului şi valoarea de piață a echipamentelor suplimentare declarate în Poliță, stabilită la data producerii evenimentului asigurat.

[93] Partial loss: 100% of insured sum ↩

Covers repair and/or replacement costs of damaged/missing parts according to technical assessment, including material and labour costs, plus transport costs within the sublimit stated in the policy and damage limitation costs. Cost determined based on partner repair unit invoices (Lista Parteneri / Lista Parteneri Extinsă) or OMNIASIG specialized evaluation systems. Insured sum not reduced after partial loss payment. 25% additional deductible applies when vehicle driven by person under 25 years (unless waived by clause E.010).

costul reparaţiei şi/sau înlocuirii părţilor componente avariate / lipsă potrivit soluţiilor tehnice stabilite prin nota de constatare, inclusiv costurile pentru materiale şi manoperă, la care se adaugă costurile / cheltuielile de transport în sublimita stabilită în Poliţă şi/sau de limitare a daunei

[94] Theft & robbery: 100% of insured sum ↩

Optional coverage via additional clause 03.01.01.E.007.0.F. Covers: total or partial theft or attempted theft including robbery; damage caused to the vehicle as a result of theft, attempted theft or robbery acts. Also covers costs for replacing keys/starting devices/remote controls and locking system (up to 10% of vehicle insured sum, max 500 EUR) in case of loss or theft of keys. Coverage does not apply in Kosovo and Republic of Moldova. Additional premium required. Total theft compensation paid earliest 60 calendar days after notification to OMNIASIG and only if police confirms criminal investigation or vehicle not found.

prin furt (total sau parţial) sau tentativă de furt, inclusiv prin acte de tâlhărie; furtul parţial din interiorul autovehiculului este acoperit numai dacă s-a produs prin efracţie.

[95] Glass damage: Optional ↩

Optional coverage via additional clause 03.01.01.E.008.0.D. Covers damage exclusively to glazed elements (windshield, rear window, side windows, glass roof/sunroof, mirrors, optical/lighting/signalling elements: headlights, stoplights, indicators, projectors, position lights etc.) as a result of covered risks, including when caused by unknown perpetrators. By default, under general conditions, exclusive glass damage without concurrent damage to other vehicle components is excluded. Additional premium required.

acordă despăgubiri, în limita sumelor asigurate precizate în Poliţă, pentru avarii produse în exclusivitate la elementele vitrate, ca urmare a unor riscuri acoperite, inclusiv în situaţiile în care acestea sunt produse de către autori necunoscuţi.

[96] Natural perils: 100% of insured sum ↩

Included in base coverage. Covers damage caused directly or indirectly by: hail, flood (from torrential rain, water overflow), storm, hurricane, typhoon, cyclone, tornado, earthquake, landslide, avalanche, torrential rain; weight of snow or ice layer. Each category of natural event treated as single insured event within defined consecutive-hour intervals: flood 504h, earthquake/landslide/avalanche/snow weight 168h, storm/hurricane/typhoon/cyclone 96h, hail/torrential rain/tornado 72h.

grindină, inundaţie (din cauza ploilor torențiale, revărsării apelor), furtună, uragan, taifun, ciclon, tornadă, cutremur de pământ, prăbuşire sau alunecare de teren, avalanşe de zăpadă, ploaie torenţială

[97] Vandalism: 100% of insured sum ↩

Optional coverage via additional clause 03.01.01.E.001.4.D. Covers: (i) damage by unknown perpetrators (except theft-related); (ii) damage through acts of vandalism (intentional destruction by persons without intent to appropriate); (iii) damage by action of animals, birds, rodents or other pests (gnawing, biting, tearing, scratching, or entry/stationing in engine compartment); (iv) damage exclusively to tyres (not worn beyond legal limit) and/or rims. For exclusive tyre/rim damage, compensation capped at replacement of 4 tyres and/or 4 rims per insurance period/year. Additional premium required.

Avarii produse de autori necunoscuţi, cu excepţia celor generate de riscul de furt acoperit prin Poliţă; Avarii produse prin acte de vandalism; Avarii produse de acţiunea animalelor, păsărilor, rozătoarelor sau altor dăunători

[98] Roadside assistance: Optional ↩

Optional add-on via clause 03.01.01.E.021.0.G (3 tiers: SILVER, GOLD, VIP). Available for passenger cars up to 10 years old, not used for taxi, rent-a-car, alternative transport (Uber/Bolt), security or driving school. Services provided 24/7, 365 days/year across geographic Europe, Turkey and Israel. Services by tier: (1) On-site assistance (depanare): SILVER/GOLD/VIP — unlimited access, 1 hour labour costs/event. (2) Towing: SILVER — 2 events/period, 75km/direction/event; GOLD/VIP — unlimited towing. EV high-voltage battery towing: VIP only — 100km/direction/event. (3) If repair >50km from home and cannot be done same day or exceeds 8h: (a) Passenger transport: SILVER 200 EUR/vehicle/period; GOLD 500 EUR/vehicle/period; VIP 1,000 EUR/vehicle/period. (b) Hotel accommodation: SILVER 60 EUR/person/night/event; GOLD 80 EUR/person/night/event; VIP 120 EUR/person/night/event (max 2 nights). (c) Taxi: SILVER 20 EUR/event/Romania and 40 EUR/event/abroad; GOLD 40/80 EUR; VIP 60/120 EUR. (d) Temporary vehicle replacement (GOLD/VIP only): GOLD 30 EUR/day/event Romania and 60 EUR/day/event abroad (max 2 calendar days); VIP 50/100 EUR (max 5 calendar days). Costs for fuel, EV charging cost, spare parts, road tolls, parking and rental vehicle insurance excluded.

sunt din categoria autoturisme; au vechimea de maximum 10 ani la data intrării în asigurare; nu sunt utilizate / folosite în scopul desfășurării activităților de transport persoane în regim taxi, închiriere (rent-a-car), transport alternativ (Uber, Bolt etc.), pază și protecție sau școli de șoferi.

[99] Replacement vehicle: €30 – €50 ↩

Available only within roadside assistance add-on at GOLD and VIP tiers, when repair occurs in a location more than 50km from the insured's home/residence/registered office and cannot be completed the same day or exceeds 8 hours. A rental vehicle of the same category is provided. GOLD: 30 EUR/day/event in Romania and 60 EUR/day/event abroad, maximum 2 calendar days. VIP: 50 EUR/day/event in Romania and 100 EUR/day/event abroad, maximum 5 calendar days. Rental vehicle insurance costs are excluded. Available in case of repair, theft or total loss.

30 EUR / zi / eveniment / România și 60 EUR / zi / eveniment / străinătate Maxim 2 zile calendaristice ... 50 EUR / zi / eveniment / România și 100 EUR / zi / eveniment / străinătate Maxim 5 zile calendaristice

[100] Driver accident: See details ↩

Not found as a coverage option in any of the verified sources for CASCO Standard. The policy covers vehicle damage, not personal accident benefits for the driver.

[101] Own damage: Covered ↩

Covers damages to the insured vehicle resulting from collisions, impacts, overturning, skidding, scratches, objects falling on the vehicle, fire, explosions, natural perils, and damages caused by animals while the vehicle is in motion. No monetary sub-limit stated in official sources; indemnity is up to the insured sum.

pentru coliziuni, loviri, răsturnări, derapări, zgârieturi, căderea unor corpuri pe autovehicul

[102] Total loss: Covered ↩

Total loss is covered as part of the base own-damage coverage. No separate monetary limit is stated; compensation is up to the insured sum of the vehicle as set at policy inception.

[103] Partial loss: Covered ↩

Partial damage to the insured vehicle is covered under the base plan, including scratches, dents, and other partial damage from covered perils. Repairs are guaranteed with original manufacturer parts. No monetary sub-limit stated.

pentru coliziuni, loviri, răsturnări, derapări, zgârieturi, căderea unor corpuri pe autovehicul

[104] Theft & robbery: Covered ↩

Covers total theft of the vehicle and partial theft by break-in (theft of component parts, pieces or additional equipment from inside the vehicle). Coverage for theft requires retention of the complete set of original vehicle keys. No monetary sub-limit stated; indemnity up to the insured sum.

pentru furtul autovehiculului pentru furtul prin efracție (al unor părți componenente, piese sau dotări suplimentare din interiorul autovehiculului)

[105] Glass damage: Covered ↩

Coverage for damages caused exclusively to glass elements (windscreen, windows) of the insured vehicle. Included without additional premium payment as per the product benefits table.

pentru pagubele produse exclusiv elementelor vitrate

[106] Natural perils: Covered ↩

Covers vehicle damage caused by natural perils (floods, hail, storms, etc.) as part of the base Avarii plan. Also includes coverage for vehicle entry into flooded areas as an optional add-on (with additional premium).

pentru fenomene naturale

[107] Vandalism: Covered ↩

Covers vehicle damage caused by vandalism (including damage caused by animals while the vehicle is stationary, which requires an additional premium). Vandalism is included in the base Avarii plan; animal damage while stationary is an optional add-on.

pentru vandalism

[108] Roadside assistance: Covered ↩

Always-included 24/7 roadside assistance for vehicles up to 3.5 tonnes maximum authorized weight. Services include: on-site repair or towing to the nearest authorized service unit, safe overnight/weekend vehicle storage, accommodation for driver and passengers, transport of driver and passengers home, and transport of a person to recover the vehicle.

pentru asistență rutieră, 24/7 (pentru autovehicule cu masa maximă autorizată până la 3,5 tone)

[109] Replacement vehicle: See details ↩

No replacement/courtesy vehicle benefit is mentioned in official product sources for SIGNAL Car (persoane fizice). Roadside towing and transport services are provided via roadside assistance but do not constitute a replacement vehicle.

[110] Driver accident: Optional ↩

Personal accident cover for the driver and passengers, available as an additional paid clause. Includes death resulting from an accident, total or partial permanent disability, hospitalisation and surgical interventions.

pentru accidentare persoane (care duce la deces și invaliditate) pentru accidentare persoane (care are ca rezultat spitalizarea și intervențiile chirurgicale)

[111] Own damage: Unlimited ↩

Covers damage from collision, impact or striking with other vehicles or any fixed/mobile objects including animals; accidental scratches, skids, overturning or falls (into water, into chasms, etc.). Insured sum equals the actual value of the vehicle as stated in the policy.

avarii ca urmare a ciocnirii, lovirii sau izbirii cu alte autovehicule sau orice alte corpuri mobile sau imobile, inclusiv animale; suprafețe vitrate; zgârieri accidentale, derapări, răsturnări sau căderi (în apă, în prăpastie etc.)

[112] Total loss: Unlimited ↩

Total loss is covered as part of the base CASCO package up to the actual insured value of the vehicle stated in the policy. Covered perils include natural events, fire, explosion, collision, theft, and other insured risks.

Sumele asigurate – sunt menționate în Poliţa de asigurare şi reprezintă valoarea reală a bunurilor asigurate (autovehicul, aparate, echipamente, dotări montate etc).

[113] Partial loss: Unlimited ↩

Partial damage to the insured vehicle is covered under the base CASCO package up to the actual insured value. Damage to pre-existing impaired parts (noted in the risk inspection report prior to policy start) is not covered.

Pagube produse acelor părţi componente ale autovehiculului care erau avariate la încheierea asigurării sau repunerii în vigoare - menţionate în raportul inspecţiei de risc

[114] Theft & robbery: Unlimited ↩

Covers vehicle theft and damage resulting from attempted theft. Also includes coverage for loss or theft of keys as part of the base package.

furt și daune produse ca urmare a tentativei de furt; revolte, greve, tulburări civile, pierderea sau furtul cheilor

[115] Glass damage: Unlimited ↩

Coverage for damage to glazed surfaces (windshield, windows, etc.) included in the base CASCO package.

suprafețe vitrate; zgârieri accidentale, derapări, răsturnări sau căderi (în apă, în prăpastie etc.)

[116] Natural perils: Unlimited ↩

Covers natural events including storms, hurricanes, snow weight, earthquakes, collapses or landslides, as well as objects striking the vehicle as a consequence of natural phenomena. Included in the base CASCO package.

Pachetul CASCO: evenimente naturale; incendiu; explozie; lovirea autovehiculului de către obiecte ca urmare a fenomenelor naturale (furtună, uragan, greutatea stratului de zăpadă, cutremur, prăbușiri sau alunecări de teren)

[117] Vandalism: Unlimited ↩

Covers intentional damage to the vehicle (vandalism) as well as damage caused by riots, strikes, and civil disturbances. Included in the base CASCO package.

vandalism; furt și daune produse ca urmare a tentativei de furt; revolte, greve, tulburări civile

[118] Roadside assistance: Unlimited ↩

Free roadside assistance included for vehicles with maximum authorized mass up to 3,500 kg and/or maximum 9 seats. Excluded for vehicles used for courier, freight transport, paid passenger transport (e.g. taxi, maxi-taxi, rent-a-car, driving schools, etc.). 24/7 call center available at 0374.400.400.

Asistență rutieră gratuită pentru autovehicule cu masa maximă autorizată de până la 3.500 kg şi/sau maxim 9 locuri și cu excepția autovehiculelor utilizate pentru curierat, transport marfă, transportul de persoane contra unei taxe, ca de exemplu: taxi, maxitaxi, închiriere (rent-a-car), şcoli de șoferi etc

[119] Replacement vehicle: See details ↩

No replacement vehicle coverage is mentioned in the base CASCO package or optional clauses described in the official IPID and product page sources.

[120] Driver accident: See details ↩

Driver personal accident coverage is not mentioned in the base CASCO package or optional clauses described in the official IPID and product page sources.