Allianz-Țiriac Unit Casco (own-damage car insurance) (Casco Masina Mea)

Wide geographical coverage spanning all of geographic Europe (including Russia) and Turkey, with a single policy issued by a Romanian insurer.

Modular and fully customizable structure: the mandatory AVARII base section can be extended with six optional add-on sections (theft, vandalism/unknown authors/animals, water aspiration to engine, off-road driving, tire/rim damage, passenger accident coverage).

Direct settlement (decontare directă) available at Allianz-Țiriac Unit authorized partner service centers: repair costs settled directly between the workshop and the insurer with no out-of-pocket advance payment required from the policyholder.

Emergency roadside assistance benefits (towing up to EUR 150/event, secured parking up to EUR 50/event, passenger accommodation up to EUR 50/night/person for 2 nights) included in the base product at no additional premium.

Driver age and experience limit

No specific minimum driver age or minimum years of experience is imposed by the General Conditions for standard passenger cars, other than the legal requirement to hold a valid driving licence for the relevant vehicle category. However, drivers of autocisterns must have at least 5 years of experience for the relevant vehicle category (CG art. 10.1.e). Coverage is excluded if the driver did not hold a valid licence, had their licence revoked or annulled, or had their right to drive suspended at the time of the insured event.

Repair network requirements

Repairs may be carried out: (1) at Allianz-Țiriac Unit authorized partner service centers (decontare directă — direct settlement between service and insurer, no advance payment by policyholder); (2) at other authorized repair shops in Romania, subject to submission of an advance estimate and the insurer's communication of the maximum accepted indemnity within 3 working days (differences vs. invoice borne by policyholder; compensation calculated based on Audatex – Alternativ Parts catalogue prices for independent shops, or importer-recommended prices for brand dealerships); (3) in own repair (regie proprie) at the policyholder's written request, with insurer evaluation before repair; (4) at foreign repair shops only with the insurer's prior written consent. The list of partner service centers is available from the insurer.

Anti-theft requirements

For theft coverage (optional section), the policyholder must: keep doors locked when exiting the vehicle (unless vehicle construction prevents it); not leave original keys unattended in public places or in another vehicle, or in the care of hotel/casino/parking personnel; not leave keys inside the vehicle; replace the locks/starting systems within 15 days of the loss or theft of keys and notify the insurer in writing within 2 working days. Theft coverage is automatically suspended immediately after loss/theft of keys until locks are replaced and proof is submitted.

Section: IX. RISCURILE ASIGURATE > 9.2. Secțiunea „FURT” > 9.2.2 Pierderea/Furtul cheilor

Asiguratul are obligatia de a informa in scris Asiguratorul in termen de max. 2 zile lucratoare de la intervenirea acestei circumstante. De asemenea, Asiguratul este obligat sa inlocuiasca sistemele de inchidere si pornire ale Autovehiculului in termen de max. 15 zile, de la producerea Evenimentului asigurat, urmand ca acoperirea riscului de Furt sa fie repusa in vigoare numai dupa prezentarea de catre Asigurat a dovezii ca a efectuat schimbarea incuietorilor (deviz de reparatii etc.).

Claim notification deadline

The policyholder must notify the insurer in writing as soon as possible, but no later than 2 calendar days from the occurrence of the insured event or from becoming aware of it (CG art. 11.2.b, IPID). For theft events: insurer must be notified within 2 working days of discovering the theft. The policyholder must present the vehicle to the insurer for damage assessment within 30 days of notifying the insured event (CG art. 11.2.h). For partial theft, indemnity is paid after 30 calendar days; for total theft, after 60 calendar days from notification and police confirmation of non-recovery. Notification must be made in writing to the insurer's legal registered office or by email to [email protected] or fax to 021 200 098.

Deductible rules

The policy may include mandatory deductible franchises (imposed by the insurer) and/or optional deductible franchises (agreed by both parties), as stated in the policy. Franchises are deducted from each claim indemnity. Franchises do NOT apply if the damage was caused solely by an identified third party holding a valid mandatory motor liability (RCA) policy. For tire/rim damage claims (optional add-on), a mandatory deductible of 15% of the damage value applies, independently of any policy franchise. If, at the time of the insured event, the vehicle was driving on snow/ice/frost without legally required winter tyres and/or snow chains, a mandatory deductible of 25% of the damage value applies (minimum the franchise stated in the policy). For Albania, Belarus, Kosovo, Republic of Moldova, Russia and Ukraine, a 20% deductible applies on total loss due to theft.

Direct payment

Repairs at Allianz-Țiriac Unit authorized partner service centers are settled directly between the service center and the insurer (decontare directă). For repairs at non-partner authorized workshops in Romania, the policyholder must submit an estimate in advance and the insurer communicates the maximum accepted indemnity within 3 working days; any difference between the estimate/invoice and the insurer's calculated indemnity is borne by the policyholder.