Allianz-Tiriac Unit Asigurari S.A.
Allianz-Țiriac Unit
Allianz-Țiriac Unit is a motor casco insurance for the Romania market with online purchase and limited assistance availability.
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.
Geographic scope
Romania and geographic Europe (including Russia) and Turkey (both European and Asian parts)
Valid on the territory of geographic Europe (Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Switzerland, Estonia, Finland, France, FYROM/Macedonia, Germany, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, United Kingdom, Monaco, Montenegro, Kosovo, Republic of Moldova, Russia, Ukraine, Norway, Netherlands, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Hungary, Vatican) and Turkey (both European and Asian parts). For Albania, Belarus, Kosovo, Republic of Moldova, Russia and Ukraine, a mandatory deductible franchise of 20% applies in case of total loss due to theft.
Unique selling points
- 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.
- Available for both natural persons and legal entities with vehicles up to 10 years old; insured sum determined by specialist vehicle valuation systems accounting for actual mileage, technical specifications and trim level.
Coverage limits
Own Damage (Avarii)
Covered
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.
Total Loss
Covered
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.
Partial Loss
Covered
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.
Theft and Robbery (Optional Section)
Optional
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.
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.
Natural Perils
Covered
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.
Vandalism and Unknown Authors (Optional Section)
Optional
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).
Roadside Assistance (Emergency Road Aid)
Covered
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.
Replacement Vehicle
Not offered
A replacement vehicle (mașină la schimb) benefit is not offered in the MAȘINA MEA product. This feature is not mentioned in the General Conditions (035010_CG) or the IPID (035010_PID) for this product.
Accident Coverage for Persons in Vehicle (Optional Section)
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.).
Key conditions
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.
Territorial scope
Coverage is valid on the territory of geographic Europe (including Russia) and Turkey (both European and Asian parts). For Albania, Belarus, Kosovo, Republic of Moldova, Russia and Ukraine, a mandatory deductible franchise of 20% applies in the event of a total loss due to theft. Motorcycles, ATVs and similar vehicles cannot be insured under this product.
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; immediately lock replacement locks after theft/loss of keys and notify the insurer within 2 working days; notify the insurer within 2 working days of any key loss/theft. Theft coverage is automatically suspended immediately after loss/theft of keys until locks are replaced and proof is submitted.
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 avizari@allianztiriacunit.ro 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.
Where to buy
Documents
Policy specifics
Theft Coverage
Optional additional coverage for vehicle theft available for supplementary premium
Vandalism Coverage
Optional additional coverage for malicious damage to vehicle available for supplementary premium
Water Aspiration to Motor
Optional coverage for water entering the engine during driving, available as paid additional risk
Off-Road Driving Coverage
Optional coverage for damages incurred when driving outside public roads
Tire and Rim Damage
Optional coverage specifically for damages to tires and rims only
Passenger Accident Coverage
Optional coverage for bodily injury to vehicle occupants available as supplementary premium
Direct Settlement Service
Optional service allowing direct repair and payment between service partner and insurer without claim opening
Vehicle Age Limitation
Coverage is available only for vehicles not older than 10 years
Risk Inspection Requirement
Coverage begins only after risk inspection has been completed and premium paid
Authorized Service Network Repair
Vehicle repairs can be performed at Allianz-Țiriac authorized partner service centers with direct settlement between service and insurer
Premium Payment Grace Period
Grace period of 5 calendar days for subsequent premium installments; automatic suspension if not paid by expiry
Vehicle Modification Notification
Policyholder must notify insurer within 30 calendar days of any additional equipment or permanent constructive modifications to vehicle
Contract Cancellation Procedure
Unilateral contract termination possible with 20 calendar days written notice to insurer; 14-day free cancellation right if no claim occurred
Pre-Existing Damage Exclusion
Damages to vehicle parts that were already damaged at policy inception and documented in inspection photos are excluded from coverage