ABC Insurance Casco (own-damage car insurance) (Casco)
Underwritten by ABC Insurance S.A. · Romania
casco (own-damage car insurance) from ABC Insurance for the Romania market.
Last verified Aug 12, 2026Sources
Unique selling points
Two flexible repair options: direct settlement with ABC Insurance partner service network or reimbursement for repairs at a service of the insured's own choice.
Comprehensive basic-risk package covering collisions, fire, explosions, natural catastrophes, theft and vandalism in a single standard policy.
Electronic re-inspection and payment approval for partner service units, speeding up the repair process without requiring the damage inspector to travel to the service.
Extended territorial cover: on request, events occurring outside Romania can also be covered and are handled under a dedicated external Casco procedure, allowing the insured to manage claims by email.
Quick windscreen chip and scratch repair available at partner centres without requiring full windscreen replacement.
Coverage limits
Own damage (collision, impact, overturning, fire, explosion)
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.
Section: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
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.
Section: Întrebări frecvente > 10. Mi se specifică faptul că autoturismul este daună totală...
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.
Partial loss (avarie parțială)
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.
Theft and attempted theft
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.
Section: Întrebări frecvente
Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Windscreen and 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.
Section: C. Instrumentare dosar și reparație
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.
Natural perils and catastrophic events
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.
Section: Întrebări frecvente
Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Vandalism and malicious acts
Covered
Coverage for damage caused by vandalism and other malicious acts. This is a basic risk covered under the ABC Insurance Casco policy.
Section: Întrebări frecvente
Polita Casco acopera riscurile de baza provocate de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
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.
Section: Întrebări frecvente > 3. Cum se procedează dacă mașina este deplasabilă/ nedeplasabilă?
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
Replacement vehicle
Not established from the reviewed documents
Replacement vehicle coverage status is not confirmed in the reviewed policy documents.
Key conditions
Repair network requirements
Vehicle repairs may be carried out either at ABC Insurance partner service centres (with direct settlement between ABC Insurance and the service unit, and electronic payment approval) or at a service of the insured's own choosing under the own-repair (regie proprie) scheme, where the insured receives compensation transferred to their bank account. Repair details must always be discussed with the damage inspector at the time of assessment. ABC Insurance must issue payment approval within 48 hours of receiving the service centre's request.
Claim notification deadline
For Casco policyholders, damage must be notified within 2 business days from the incident, or within a maximum of 24 hours in the case of theft, in order for the claim to be registered. Notification can be made online via [email protected] or by phone at 021.230.51.51 (Monday to Friday, 09:00–16:00).
Direct payment
Two repair options: (1) Partner service network – ABC Insurance pays the partner service directly (direct settlement between ABC Insurance and the service unit); (2) Own-repair (regie proprie) – the insurer calculates a compensation offer based on damages and the insured's amount is transferred to the insured's bank account, allowing repair at a service of the insured's choice.
Territorial scope
Coverage is valid in Romania; on request it can be extended to events outside Romania (then handled under the Casco extern procedure). For events outside Romania where the insured opts for repair in Romania, the internal procedure applies.
Documents
Policy specifics
Collision damage
Coverage for damage caused by collisions, impacts, and accidents
SourceSection: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Fire damage
Coverage for damage caused by fire and explosions
SourceSection: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Natural disaster damage
Coverage for damage caused by natural disasters and weather phenomena
SourceSection: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Theft coverage
Coverage for vehicle theft and attempted theft
SourceSection: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Vandalism coverage
Coverage for damage caused by malicious acts and vandalism
SourceSection: Asigurare auto > Asigurarea pentru avarii si furt a autovehiculelor (CASCO)
Se asigura riscurile de ciocniri, loviri, izbiri, rasturnari, incediu, explozie, catastrofe naturale, furt si actiuni dusmanoase (vandalism).
Claims reporting procedure
Requirement to report damage within specified timeframe through various channels
SourceSection: Auto > Informatii privind procedura de avizare (anuntare) si constatare a daunelor auto
In cazul in care ati fost pagubit intr-un eveniment si sunteti asigurat CASCO la ABC Insurance S.A. puteti sa avizati (anuntati) dauna astfel:
Authorized repair network
Vehicle repairs must be conducted at authorized repair shops or can be done at insured's preferred location
SourcePage 11Section: Întrebări frecvente > 6. Ce înseamnă reparație în regie proprie versus reparația în service partener?
suma va fi virată în contul tău bancar, urmând ca reparația să fie efectuată în service-ul ales de tine.
Geographic coverage scope
Coverage applies to claims occurring in Romania and outside Romania with specific procedures
SourcePage 10Section: Întrebări frecvente > 4. Ce înseamnă dosar instrumentat în baza unei polițe casco intern vs. Extern?
Dosar Casco Intern: dosar pentru care evenimentele s-au petrecut pe teritoriul României... Dosar Casco Extern: dosar pentru care evenimentele s-au petrecut în afara teritoriului României, iar întregul proces al instrumentării (constatare daună, reparație auto) se desfășoară la fel.
Sources
- abcinsurance.rohttps://abcinsurance.ro/daune-auto(opens in a new tab)
- api.abcinsurance.rohttps://api.abcinsurance.ro/uploads/Ghid_Daune_Casco_7e684513c1.pdf#page=10(opens in a new tab)
- api.abcinsurance.rohttps://api.abcinsurance.ro/uploads/Ghid_Daune_Casco_7e684513c1.pdf#page=11(opens in a new tab)
- api.abcinsurance.rohttps://api.abcinsurance.ro/uploads/Ghid_Daune_Casco_7e684513c1.pdf#page=12(opens in a new tab)
- api.abcinsurance.rohttps://api.abcinsurance.ro/uploads/Ghid_Daune_Casco_7e684513c1.pdf#page=7(opens in a new tab)
- api.abcinsurance.rohttps://api.abcinsurance.ro/uploads/Ghid_Daune_Casco_7e684513c1.pdf#page=9(opens in a new tab)
ABC Insurance Casco (own-damage car insurance)