ASIROM

driver_age_experience_limit

No minimum driver age or experience limit is explicitly stated in the base policy conditions. However, the policy excludes damage occurring when the vehicle was driven by a person without a valid driving licence for the respective vehicle category, or whose licence was suspended or revoked. An exception is made when the vehicle (adapted with dual controls) was driven by a driving school student assisted by an instructor or examiner.

repair_network_requirements

Repair is possible at: (a) Asirom partner multi-brand service unit (direct settlement per collaboration agreement); (b) Asirom partner authorised dealer service (direct settlement); (c) non-partner service (reimbursement at capped rates per Asirom's conventions and specialist evaluation systems); or (d) own repair (reimbursement at rates set by Asirom). An optional Extended Service Network clause (ERS) allows repair at any certified multi-brand facility. The list of partner service units is published at www.asirom.ro. Repairs abroad require prior written consent from Asirom and are generally limited to provisional repairs necessary to continue the journey.

territorial_scope

The policy is valid on the territory of geographic Europe and Turkey (including the Asian part), with the exception of the Russian Federation, Ukraine and Belarus. At the insured's written request, the insurer may extend the territorial scope at any time during the policy period via an addendum, against payment of an additional premium and/or application of a deductible set by the insurer. The extended roadside assistance and replacement vehicle clauses are valid exclusively on Romanian territory.

anti_theft_requirements

The insured must not leave the vehicle registration certificate, the vehicle identity card, or any key of the insured vehicle inside the vehicle. In case of theft, the insured must notify the insurer in writing within 2 working days, submit a police report, provide all sets of keys/cards provided by the manufacturer and original vehicle documents (identity card, registration certificate/provisional circulation permit) to the insurer within 2 working days of the event. Theft coverage is suspended immediately upon loss or theft of keys/remote controls, and resumes only after the insured proves replacement of the locking and ignition systems.

claim_notification_deadline

The insured must notify the insurer of the insured event as soon as possible, but no later than 2 working days from the occurrence or from becoming aware of it. For vandalism and theft events, police or other competent authorities must also be notified immediately. The insured must present the vehicle for damage assessment within a maximum of 30 days from the date of claim notification; failure to do so entitles the insurer to refuse compensation. Claims payment is made within maximum 15 working days from submission of complete documentation.

deductible_rules

A deductible (franșiză) is a fixed amount or a percentage of the insured sum set in the policy, which remains the insured's responsibility and is subtracted from the compensation due for each insured event. The proportional (percentage) deductible established for total losses also applies in subrogation cases. For partial losses caused exclusively by an identified third party's fault where that party holds a valid mandatory third-party liability insurance at the date of the loss, the deductible stated in the policy is not applied. Mandatory deductibles apply to full vehicle theft: 10% of insured sum on Romanian territory; 20% outside Romania. Key loss/theft coverage limit: 5% of the insured sum.

Theft coverage

Complete vehicle theft coverage with 60-day waiting period for full compensation after police confirmation of unsolved investigation

Extended roadside assistance

Extended roadside assistance clause providing towing and transport to nearest repair facility, limited to 100 km from accident site

Replacement vehicle clause

Optional replacement vehicle provision during repair period, typically available for 5-10 days with equivalent or lower category vehicle

Natural disasters coverage

Coverage for damages from natural disasters including hail, storms, lightning, fire, explosion, flooding, falling objects, and landslides

Vandalism coverage

Coverage for intentional damage including scratches, broken glass, tire damage, forced painting, acts of violence, strikes, chemical attacks

Glass and glass surfaces coverage

Optional coverage for damages exclusively to glass surfaces of the vehicle

Cargo coverage

Optional coverage for goods being transported in the vehicle

Keys loss or theft coverage

Optional coverage for costs of replacing ignition set and door locks if lost or stolen

Off-road driving coverage

Optional clause providing protection for driving on unpaved roads and difficult terrain

Flooded roads driving coverage

Optional clause protecting against damages from driving through flooded roads

Multibrand repair network extension

Optional clause allowing repair at any certified multibrand repair facility instead of restricted network

Vehicle age limit

CASCO insurance standard limit is 8 years; in specific cases can extend to 15 years

Mandatory risk inspection

Risk inspection is mandatory before policy issuance; can now be completed online with photos

Deductible options

Fixed amount or percentage of insured sum deducted from claim; choice between deductible-free or with deductible affects premium cost

Claim payment timeline

Maximum 15 working days from complete documentation submission for claim payment

Repair options and network

Three repair options: authorized service partner (direct settlement), own repair shop (reimbursement), or any certified repair shop (claim reimbursement). Over 610 partner services available

Mandatory CASCO for leasing vehicles

CASCO insurance becomes mandatory (not optional) for vehicles purchased through leasing contracts

Geographic coverage territory

Valid across geographic Europe and Turkey (including Asian part); excludes Russia, Ukraine, and Belarus

CASCO with regress clause

Optional regress clause allows insurer to recover paid compensation from at-fault driver's RCA insurer through legal process

Insured sum determination

For new vehicles: invoice price; for used vehicles: expert valuation required if more than 6 months from purchase

Policy term and renewal

Standard 12-month term; sub-annual periods possible with special approval but not less than 6 months. Coverage begins next day after policy effective date

Premium payment options

Payment available in full or installments; installments must be paid within 15 days of due date; accepts cash, bank transfer, or direct debit

No claims discount

Discounts up to 45% available for consecutive years without claims

Service network repair discount

Discount of 18% available if vehicle is repaired at authorized service partner facility under special CASCO AVANTAJ clause

Pre-existing damage exclusion

Damage noted at risk inspection is excluded from coverage and not covered by CASCO