Asigurarea Romaneasca - ASIROM Vienna Insurance Group SA
ASIROM
ASIROM is a motor casco insurance for the Romania market with online purchase and limited assistance availability.
Direct payment
Compensation is paid by ASIROM in RON (or in the agreed currency if the policy was concluded in foreign currency and premiums paid in that currency). At the insured's express request, payment can be made directly to the repair unit or spare parts supplier in Romania or abroad. For partial losses repaired in Romania, payment is in RON regardless of the policy currency. Payment is made within 15 business days of submission of the full claim file.
Geographic scope
Romania and geographic Europe (excl. Russia, Ukraine, Belarus) plus Turkey (including Asian part)
Coverage valid on the territory of geographic Europe and Turkey (including Asian part), excluding Russian Federation, Ukraine and Belarus. Extension to other territories possible via addendum and supplementary premium, or automatically if RCA also held at ASIROM with same territorial scope.
Coverage limits
Own Vehicle Damage (Avarii)
Covered
Only in 2.2.1 AVARII
Covers direct material damage to the insured vehicle caused by: collisions, impacts, scratches, falls (including objects falling on the vehicle), skidding, overturning; fire, explosion, lightning; atmospheric phenomena (torrential rain, hail, storm, hurricane, avalanche, snow/ice weight, lightning); natural disasters (earthquake, flood, landslide/subsidence); action of pipe water (accidental pipe burst in the building where the vehicle is located). Compensation is limited to the insured sum stated in the policy; total damage threshold is 80% of the insured sum.
Total Loss
80% of insured sum
Only in 1.14 Daună totală, 13.8 Cuantumul pagubei
Total loss is declared when estimated repair costs (including loss-limitation costs) equal or exceed 80% of the insured sum, or in the event of total theft of the vehicle. Compensation equals the insured sum minus: the wreck value (the higher of the online auction price or 20% of the insured sum), any deductibles, and outstanding premium installments (when indemnity exceeds double the annual premium).
Partial Loss
Covered
Only in 1.13 Daună parțială, 13.8 Cuantumul pagubei
Partial loss covers damage requiring repair, reconditioning or replacement of components to restore the vehicle to its pre-loss condition. Compensation equals the cost of repairs/replacements (parts, labour, materials, transport to the nearest repair shop) minus applicable deductibles and any outstanding premium installments. The insurer verifies repair estimates against specialist software (Audatex, DAT, Eurotax).
Theft and Theft Attempt
Optional
Only in 2.3.3 FURT
Optional coverage for: total vehicle theft; partial theft (components, parts, wheels); damage caused to the vehicle as a result of theft or attempted theft; theft/damage of additionally insured accessories/permanent modifications. Mandatory deductibles apply: 10% of insured sum on Romanian territory; 20% of insured sum outside Romania. At least 2 sets of functional keys required at policy inception. Theft claim paid after 60 days (total theft) or 30 days (partial theft) from notification, if vehicle/parts not recovered.
Glass/Glazed Surface Damage (DSV Clause)
Optional
Only in 2.3.9 DAUNE PRODUSE EXCLUSIV SUPRAFEȚELOR VITRATE
Optional clause (DSV) covering repair or replacement of glazed elements (windscreen, side windows, rear window, headlights, fog lights, indicators, position lights, roof hatch, rear optical blocks) when only these are damaged in an insured event, and scratching of the vehicle body caused by breaking of glazed surfaces. Excluded: manufacturing/mounting defects, thermal shock, wear/ageing. By default (without DSV), damage to glazed surfaces alone is NOT covered under the base policy.
Natural Perils and Atmospheric Phenomena
Covered
Only in 2.2.1 AVARII – Fenomene atmosferice și Calamități naturale
Included in the base AVARII coverage: torrential rain, hail, storm/hurricane, snow avalanche, snow/ice weight, lightning, earthquake, flood (including pipe-burst flooding in the building), landslide/subsidence, tornado. Includes indirect effects (e.g. tree struck by lightning falling on vehicle, mechanical action of flood-carried objects). Engine/electronics damage from driving into flooded areas is excluded from the base policy but coverable via optional CDI clause.
Vandalism and Civil Risks
Covered
Only in 2.2.2 VANDALISM
Included as a BASE risk (§2.2.2): covers damage caused by persons committing acts of vandalism (including chemical/corrosive substances used by third parties), persons participating in strikes, civil unrest, spontaneous rallies, riots, unknown authors (including damage in parking), and animals (other than those in the insured's legal custody). A mandatory deductible applies specifically to vandalism/unknown-author parking damage claims.
Basic Roadside Assistance (Emergency Towing)
€300
Only in 2.2.3 COSTURI/CHELTUIELI ASIGURATE
Included in the base policy under costs/expenses covered (§2.2.3.1): emergency towing of the vehicle if it cannot move under its own power after an insured event, to the nearest repair shop or designated space (up to 100 km from the event location), including passenger transport within available space in the tow vehicle. Limit: 300 EUR/event for cars and other vehicles; 800 EUR/event for commercial vehicles and semi-trailers with maximum authorized mass over 7.5 tonnes. Extended roadside assistance (ARE clause, §2.3.7) is optional and covers breakdowns without accident, up to 300 EUR on Romanian territory only for passenger cars up to 3.5t and max 9 seats.
Replacement Vehicle (ALS Clause)
€50
Only in 2.3.8 AUTOTURISM LA SCHIMB
Optional clause (ALS, §2.3.8): covers rental car costs up to 50 EUR/day for a maximum of 5 calendar days (or the repair period, whichever is shorter), once per insurance period. Available only for passenger cars used for private purposes (taxi, rent-a-car, courier, security, driving school, ambulance, hazardous goods transport and demo/drive-test vehicles excluded). Coverage is valid exclusively on Romanian territory. Fuel, guarantees and other ancillary rental costs are excluded.
Driver and Passenger Accident Insurance
Optional
Only in 2.3.13 ASIGURAREA DE ACCIDENTE A CONDUCĂTORILOR DE AUTOVEHICULE ȘI A PERSOANELOR TRANSPORTATE
Optional clause (§2.3.13): covers all persons in the insured vehicle at the time of accident (with insured's consent, up to the number of seats in the vehicle registration). Covered events: death from accident; permanent disability from accident; daily hospital/outpatient indemnity from day 7, for up to 45 days. Insured sums are set per person transported, as chosen by the insured at policy inception (separate sums for death, permanent disability, daily indemnity). Valid in Romania and abroad.
Key conditions
Driver age and experience limit
No explicit minimum driver age or experience requirement is stated in the base T&C. The policy requires the driver to hold a valid driving licence for the respective vehicle category. Coverage is excluded if the vehicle is driven without a valid licence, or after licence suspension/revocation. Exception: dual-command vehicles driven by a trainee under instructor supervision during driving lessons are covered.
Repair network requirements
Repair must be carried out in authorized repair units. For vehicles under 4 years old: any RAR-authorized repair shop for that make. For vehicles 4 years old or older (at policy start): repairs must be in ASIROM partner network service units listed on asirom.ro, unless the optional ERS (extended service network) clause is purchased. Repairs outside the partner network for older vehicles result in compensation calculated at insurer's own evaluation rates, paid directly to the insured (not to the repair shop). Three clauses determine the compensation calculation basis: multimark partner, authorized dealer partner, or ERS.
Territorial scope
Base coverage: geographic Europe and Turkey (including Asian part), excluding Russian Federation, Ukraine and Belarus. Extension to other territories is possible via addendum and supplementary premium, or automatically (without addendum or additional premium) if the insured also holds an RCA (MTPL) policy at ASIROM valid for those territories. The optional clauses ARE (extended roadside) and ALS (replacement vehicle) apply exclusively on Romanian territory.
Anti-theft requirements
For the optional theft coverage to be valid: the insured must possess at least 2 functional sets of keys at policy inception (if only 1 set exists, theft coverage cannot be included). Vehicle registration documents, identity card and keys/remotes must be presented at inception. Upon loss or theft of keys, the theft risk coverage is automatically suspended; the insured must notify ASIROM in writing within 2 business days and replace the locking/ignition system within 15 days to reinstate theft coverage. The vehicle must not be left unattended with key in ignition or doors unlocked in a public place.
Claim notification deadline
Damage events (avarii): notify ASIROM as soon as possible but no later than 2 business days from the occurrence or from becoming aware of it. Theft or attempted theft: report to police within 24 hours of becoming aware; notify ASIROM in writing within 2 business days. The insured must present the vehicle for damage inspection within 30 days of notification. No repairs may be carried out before the insurer's damage report (Nota de constatare) is issued, except where required to limit further damage. Claim file (all documents) must be completed within 6 months of damage notification.
Deductible rules
Deductibles (franșize) are stated in the insurance offer/policy. Vandalism, civil risks, unknown-author parking damage and chemical/corrosive substance damage (§2.2.2) always carry a mandatory deductible. For theft (total), mandatory deductibles: 10% of insured sum on Romanian territory; 20% of insured sum outside Romania (for all vehicle types per editia 12; motocycles 20% in all territories per editia revizia 6/2013). For driving on snow/ice on public roads between 1 November and 28/29 February without winter tyres: a 25% deductible on damage applies. Deductibles are NOT applied when the loss was caused exclusively by an identified third party holding a valid MTPL (RCA) policy. The insured may opt to include a deductible on other risks in exchange for a lower premium.
Policy specifics
Extended Roadside Assistance
Optional clause for extended road assistance services including vehicle transportation and passenger transport
SourceTheft and Theft Attempt Coverage
Optional coverage extension for vehicle theft and attempted theft, with territorial extension possible
SourcePartner Service Network Repairs
Vehicle repairs can be conducted in ASIROM partner service units based on collaboration agreements
SourceDepreciation and Wear Conditions
Depreciation (uzură) of vehicle components based on age, use, and maintenance condition
SourceRisk Inspection Requirement
Insurer liability begins only after risk inspection is completed and insurance contract is issued
Source