Allianz-Tiriac Asigurari S.A.
Allianz-Țiriac
Allianz-Țiriac is a motor casco insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Repairs carried out at Allianz-Țiriac partner service network are settled directly between the insurer and the repair unit. Repairs at non-partner shops are reimbursed directly to the policyholder. An optional 'Decontare directă' (direct settlement) clause is available for own-fault recovery against third-party RCA, valid only within Romania.
Geographic scope
Romania and Green Card member states
Coverage applies in Romania and all Green Card member countries. Roadside assistance is valid in Europe (including the European part of Turkey and the Greek part of Cyprus), excluding Belarus, Ukraine, Russia, and Moldova.
Unique selling points
- Four modular packages (Confort, Plus, Extra, Max) allow customers to build coverage from basic RCA-only to full collision, theft, and purchase-price protection in a single policy.
- Purchase-price protection (MAX package) guarantees compensation at the original invoice value in the event of a total loss within 24 months of first registration, eliminating depreciation risk on new cars.
- Extended roadside assistance with replacement vehicle, hotel accommodation (up to 75 EUR/night), home return transport, and EV-specific mobile charging is included from the PLUS package — typically an extra-cost service at other insurers.
- Real-time digital claims tracking (Claims Tracker) via SMS or email link, with a target roadside intervention time of 45 minutes in approximately 80% of cases and an Allianz-Țiriac representative contact within 1 business day of claim notification.
- Kilometre-based premium discounts are automatically applied: the fewer kilometres driven per year, the lower the premium, rewarding low-mileage and environmentally conscious drivers.
Coverage limits
Collision, scratching and other risks (own damage)
Covered
Only in MAX
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.
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.
Partial loss / partial damage
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.
Theft and attempted theft
100% of insured sum
Only in EXTRA, MAX
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.
Glass / glazing damage
Covered
Only in EXTRA, MAX
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.
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.
Vandalism
Covered
Only in EXTRA, MAX
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.
Roadside assistance
Covered
Basic coverage (PLUS package and below as part of Confort): 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.
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.
Personal accident for driver and passengers
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 PLUS, EXTRA, and MAX packages (specific sum insured stated in the policy). Extended coverage (doubled limits for driver and passengers) is included in EXTRA and 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.
Key conditions
Driver age and experience limit
No minimum driver age is specified in the policy terms for coverage eligibility. However, an additional deductible of 2,500 RON applies if the vehicle is driven at the time of the insured event by a person other than the named insured who is aged 25 or under and who was not listed in the policy or an endorsement issued prior to the event.
Repair network requirements
Repairs may be carried out at: (1) Allianz-Țiriac partner service network (direct settlement between insurer and service unit — the policyholder pays only the deductible directly to the service); (2) other Romanian repair shops (the policyholder must provide an estimate before repair, and Allianz-Țiriac sends the maximum accepted compensation within 3 business days; any difference above that amount is borne by the policyholder; compensation is paid directly to the policyholder); (3) self-repair (compensation is calculated by Allianz-Țiriac pre-repair, paid to policyholder, excluding VAT); (4) foreign repair shops, only with prior Allianz-Țiriac approval. Optional 'Clauza Service partener' allows a reduced premium if the policyholder agrees to use only multi-brand partner services (excluding the authorised dealership for the insured vehicle's brand).
Territorial scope
CASCO coverage applies within Romania and in all countries participating in the Green Card international insurance system. Roadside assistance is valid in Europe (including the European part of Turkey and the Greek part of Cyprus), with the exception of Belarus, Ukraine, Russia, and Moldova.
Anti-theft requirements
At least two sets of vehicle keys must be presented at risk inspection (policy inception). In the event of total theft, all key sets observed at risk inspection must be presented at the time of claim notification. If key theft or loss occurs, or if locks are damaged in a break-in attempt, the policyholder must: (a) immediately take measures to prevent theft of the vehicle; (b) notify Allianz-Țiriac within 1 business day for claims and remediation costs. Failure to comply gives Allianz-Țiriac the right to refuse indemnification if the vehicle is subsequently stolen.
Claim notification deadline
Maximum notification deadlines: 1 business day for total vehicle theft; 1 business day for key theft/loss or lock damage from break-in attempt; 3 business days for all other insured risks (except bodily injury and Legal Protection events); 15 business days from the accident date for bodily injury events (Personal Accident and Legal Protection); 15 business days from receipt of a legal action notification for civil/criminal/administrative proceedings under Legal Protection, but no later than 15 business days after policy expiry if not renewed. Claims can be reported online at www.allianztiriac.ro, via the Allianz-Țiriac mobile app, or by phone at the Claims Centre: 021/201 91 80 or 021/201 91 81.
Deductible rules
Deductibles (franchize) are stated in the policy and are deductible per insured event, applying to all CASCO coverages. Deductibles are WAIVED if: (1) the at-fault party is exclusively an identified, RCA-insured third party; (2) damage is limited exclusively to glazing elements and is remedied by repair (not replacement). An additional deductible of 2,500 RON applies if, at the time of the event, the vehicle was used for non-personal purposes (taxi, security, driving school, rent-a-car) or driven by an unlisted driver aged 25 or under. For repairs at partner service networks or approved foreign shops, the policyholder pays the deductible directly to the repair unit in the currency of the compensation. For total losses, own-repair, or non-partner shops, the deductible is deducted from the compensation amount. For tyre/rim damage under the Collision coverage, the total indemnification for damage exclusively to tyres and/or rims cannot exceed replacement of 4 tyres and/or 4 rims per insurance period.
Where to buy
Policy specifics
Extended roadside assistance
Optional or bundled supplementary roadside assistance services including repairs, towing, fuel delivery, mobile charging, replacement vehicle, transport and accommodation
SourceDamage caused by animal collision
Covers damages from collision with an animal and damages caused by biting, gnawing, rupture, scratching or penetration/parking in engine compartment
SourceElectric vehicle battery and charging equipment coverage
For electric vehicles, covers damages to battery, charging cables, wallbox, or adapters caused by break-in/theft
SourcePackage-dependent coverage availability
Coverage offerings vary based on vehicle characteristics, existence of active RCA policy, and chosen insurance package (Plus, Extra, Max)
SourceVehicle age restriction for premium packages
Extra and Max packages have vehicle age restrictions; vehicle age cannot exceed certain threshold for eligibility
Source14-day cancellation right
Policyholder has right to cancel contract within 14 days of inception without providing reason, if no insured event occurred
Source