Allianz-Țiriac Casco (own-damage car insurance) (My Car)

Four packages (Confort, Plus, Extra, Max) let customers combine RCA with Casco covers, from RCA with basic roadside assistance and personal accident cover up to full collision, theft and purchase-price protection.

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.

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.

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.

Section: 2.1 Ce acoperă produsul? > Sumele asigurate / limitele de despăgubire și franșizele

Suplimentar franşizelor înscrise în poliță, se aplică franşiza de 2.500 de lei, dacă la momentul producerii riscului asigurat: ... vehiculul era condus de o altă persoană decât Asiguratul, cu vârsta de până în 25 de ani (inclusiv), care nu a fost precizată în polița de asigurare sau într-un supliment emis anterior producerii riscului asigurat.

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).

Section: 2.4 A avut loc o daună – ce urmează? > Efectuarea reparațiilor

Reparaţiile se pot efectua: • în unităţile reparatoare cu care Allianz-Țiriac are încheiate contracte de decontare directă...; • în alte unităţi reparatoare din România, în următoarele condiţii: - anterior începerii reparaţiei, vei transmite Allianz-Țiriac un deviz estimativ de reparație... în termen de 3 zile lucrătoare...

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.

Section: 2.3 Care sunt responsabilitățile tale? – Obligații generale > Obligațiile tale în legătură cu încheierea și derularea contractului de asigurare

iei măsuri imediate pentru prevenirea riscului de furt al vehiculului în cazul pierderii sau furtului cheilor vehiculului, precum şi în cazul deteriorării încuietorilor în urma unei tentative de furt prin forţarea acestora și să avizezi dauna în maximum 1 zi lucrătoare... în cazul nerespectării acestei obligaţii, constatate după producerea furtului vehiculului asigurat, Allianz-Țiriac are dreptul să refuze plata despăgubirii.

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.

Section: 2.4 A avut loc o daună – ce urmează? > Notificarea daunei

Anunţarea producerii unui eveniment asigurat se face în maximum: • 1 zi lucrătoare de la constatarea furtului total al vehiculului • 1 zi lucrătoare în cazul pierderii sau furtului cheilor vehiculului... • 3 zile lucrătoare, în cazul producerii celorlalte riscuri asigurate... • 15 zile lucrătoare de la data producerii evenimentului, în cazul accidentelor cu vătămări corporale...

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.

Section: 2.4 A avut loc o daună – ce urmează? > Rețineri aplicabile

Din valoarea despăgubirii, Allianz-Țiriac reţine: • franşizele înscrise in contractul de asigurare in cazul daunelor totale, al reparaţiilor efectuate in regie proprie sau in unități reparatoare fără parteneriat cu Allianz-Țiriac; in cazul reparaţiilor efectuate in unități reparatoare partenere Allianz-Țiriac sau din străinătate (pentru care Allianz-Țiriac şi-a dat acordul), tu vei plăti contravaloarea franşizelor, calculată in moneda in care se va plăti despăgubirea, direct la unitatea reparatoare.

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.