Anytime Casco (own-damage car insurance) (Casco)

In CASCO Premium: covers material damage to the insured vehicle caused by collision with or scratching by other vehicles, mobile or immobile objects, persons or animals. In CASCO Value: collision/scratching risk is NOT covered. Compensation cannot exceed the insured sum stated in the Policy. Total loss threshold is 75% of the insured sum. Deductibles may apply as specified in the Policy.

Covered in both CASCO Value and CASCO Premium. A vehicle is considered a total loss when repair costs (including transport and damage-limitation costs) exceed 75% of the insured sum at policy inception. Compensation equals the vehicle's actual market value at the time of the insured event minus the salvage value (recoverable wreck). The maximum indemnity for all insured events in one policy year cannot exceed the insured sum stated in the Policy. For total theft, compensation is paid no earlier than 60 calendar days after notifying the Insurer and upon police confirmation.

Covered in both CASCO Value and CASCO Premium for insured perils. Compensation equals the total repair cost and/or replacement of damaged parts per the damage assessment, including materials, labour, plus reasonable transport costs and damage-limitation costs documented with receipts (up to 1,000 RON). The insured sum is not reduced by partial loss payments. Deductibles apply per the Policy. Labour rate benchmark for non-partner repairers: 250 RON/hour (incl. VAT). Parts discount applies: 25% for vehicles ≥3 years old, 20% for vehicles <3 years old when repaired at non-partner authorised repairers; 37% when no repair receipts are presented.

Covered in both CASCO Value and CASCO Premium. Covers: (i) total or partial theft and attempted theft including robbery; (ii) theft of parts/components/wheels mounted on the vehicle; (iii) damage caused by theft or attempted theft; (iv) partial theft from interior if carried out by break-in; (v) theft or accidental loss of keys/ignition devices/remote controls and locking system (excluding concurrent vehicle theft) – indemnity limited to 10% of the vehicle's insured sum, max 500 EUR, without deductible. For theft cover, the insured must possess at least 2 fully functional original keys coded to the vehicle's chassis number at the time of contracting. Theft cover is suspended if all functional keys are lost/stolen until the keys are replaced at the Insurer's cost and a new risk inspection is performed. Family members of the insured or associates of a legal-entity insured are excluded from theft cover. No coverage for theft by deception or using duplicate/original keys unless obtained through robbery. Total theft compensation is paid no earlier than 60 days after notification.

Covered in both CASCO Value and CASCO Premium. Covers damage and vandalism to the windscreen of the insured vehicle, including damage caused by unknown persons or acts of vandalism. Note: damage to other glazed elements (side windows, rear window, roof/sunroof, mirrors) is not covered as a standalone event unless accompanied by concurrent damage to other vehicle components; windscreen damage is specifically carved out and covered separately.

Covered in both CASCO Value and CASCO Premium. Covers damage directly caused by: hail, flood (from torrential rain or water overflow), storm, hurricane, typhoon, cyclone, tornado, earthquake, snow avalanche, torrential rain, landslide/subsidence; falling bodies (trees, ice/snow blocks, boulders) onto the vehicle or onto the building housing the vehicle; lightning or explosion at a distance if causally linked to the damage; mechanical action of flowing water or objects carried by water; weight of snow or ice layer. Compensation is within the insured sum limits stated in the Policy; deductibles per the Policy may apply.

In CASCO Premium only: covers damage caused by acts of vandalism or unknown perpetrators to the insured vehicle, including damage to tyres and rims and/or additional equipment expressly listed in the Policy. A 50% deductible applies to tyre damage if the tyres have exceeded the legal wear limit (minimum the Policy deductible). In CASCO Value: vandalism risk is NOT covered (explicitly stated in the definitions: 'Riscul de vandalism nu este acoperit prin prezenta Poliță, cu excepția cazurilor expres prevăzute' — the only express carve-out is windscreen damage).

CASCO Value: roadside assistance is bundled (included). CASCO Premium: roadside assistance is available as a separate 'Asistență Rutieră Plus' add-on contract (AR.M04.01). Both tiers provide 24/7 non-stop service, 365 days/year. Primary services: (1) on-site breakdown assistance; (2) towing/recovery up to 100 km from incident (excess distance charged to insured); (3) passenger transport – max 50 EUR (incl. VAT)/incident (only together with towing); (4) storage/parking – max 3 calendar days. Secondary services (if vehicle cannot be repaired same day and incident >50 km from insured's home): (i) journey continuation or return home – bus/train or economy flight if train >6h, max 500 EUR (incl. VAT)/vehicle/incident, plus taxi to station max 50 EUR; (ii) hotel accommodation – max 3 nights (not more than repair duration), max 3-star hotel with breakfast, transport to hotel max 50 EUR; (iii) temporary replacement vehicle (Asistență Rutieră Plus only) – max 15 days, max 700 EUR (incl. VAT), includes RCA and CASCO, unlimited km; (iv) passenger repatriation – max 500 EUR (incl. VAT)/vehicle/incident; (v) vehicle repatriation – if repair cannot be completed within 5 working days. Services 'Journey continuation' and 'Hotel' cannot be cumulated in the same incident. Eligible vehicles: max 12 years old at contracting, max 3,500 kg, max 7,000 mm length, max 2,400 mm height, max 6+1 seats, category M, registered in Romania. To use the service the vehicle must have the manufacturer-recommended maintenance up to date at an authorised dealer.

Available only as part of the 'Asistență Rutieră Plus' add-on (CASCO Premium tier). Activated when incident occurs >50 km from the insured's home and the vehicle cannot be repaired the same day. A replacement vehicle of a similar category is provided for a maximum of 15 days, within a total limit of 700 EUR (incl. VAT), not exceeding the repair duration. Provided without mileage limit and includes RCA and CASCO cover. Additional costs (fuel, road tolls, optional insurance, deposit, penalties for late return) are borne by the insured. Not available under CASCO Value (base roadside assistance).