Extracted from source documents

ASIROM Casco (own-damage car insurance) (Casco Standard)

Underwritten by Asigurarea Românească – ASIROM VIENNA INSURANCE GROUP SA · Romania

casco (own-damage car insurance) from ASIROM for the Romania market, with online purchase.

Verified Aug 12, 2026 · Terms dated 2020-12-01Sources

Online purchase

Coverage limits

Covered

Own Vehicle Damage (Avarii)

Covered

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.

Clause 2.2.1Page 4/21

Section: Capitolul II. Obiectul asigurării și riscurile asigurate > 2.2. Riscurile de bază > 2.2.1. Avarii

2.2.1. AVARII. Asiguratorul acorda despăgubiri pentru Pagubele materiale provocate Autovehiculului asigurat direct de următoarele Riscuri:

Covered

Total Loss

100% of insured sum

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).

Clause 1.14Page 2/21

Section: Capitolul I. Definiții

1.14. Daună totală: prejudiciul material suferit de Asigurat în urma furtului total al vehiculului asigurat sau distrugerii în întregime a acestuia, sau când refacerea pe cale de reparatie nu mai este posibilă ori costul estimat al reparatiilor/inlocuirilor partilor avariate (inclusiv costurile/cheltuieli de limitare a pagubelor) este egală sau depăşeşte 80% din suma asigurată a autovehiculului.

Covered

Partial Loss

Covered

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).

Clause 1.13Page 2/21

Section: Capitolul I. Definiții

1.13. Daună partială: dauna a autovehiculului asigurat, ce necesită repararea, recondiționarea sau înlocuirea unor părti componente, astfel încât autovehiculul sa fie readus în starea dinaintea producerii riscurilor asigurate;

Optional · 2.3.3 FURT

Theft and Theft Attempt

Optional

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. For total theft, 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.

Clause 2.3.3.3Page 6/21

Section: Capitolul II > 2.3. Riscurile suplimentare > 2.3.3 Furt > 2.3.3.3

2.3.3.3. Asiguratorul acopera riscul de furt total cu aplicarea următoarelor franșize deductibile obligatorii, în funcție de tipul autovehiculului asigurat și de acoperirea teritorială înscrisă în Contractul de asigurare/Actul adițional la polița de asigurare, respectiv: a) 10% din suma asigurată, pe teritoriul României; b) 20% din suma asigurata in afara teritoriul României;

Optional · 2.3.9 DAUNE PRODUSE EXCLUSIV SUPRAFEȚELOR VITRATE

Glass/Glazed Surface Damage (DSV Clause)

Optional

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.

Clause 2.3.9.1Page 6/21

Section: Capitolul II > 2.3. Riscurile suplimentare > 2.3.9 Daune produse exclusiv suprafetelor vitrate

Asigurătorul acordă despăgubiri, în limita sumelor asigurate precizate în Polița de asigurare și pentru repararea sau înlocuirea (după caz) a elementelor vitrate ale autovehiculului atunci când sunt avariate numai acestea în momentul producerii unui eveniment asigurat, precum și pentru zgârierea autovehiculului ca urmare a spargerii suprafețelor vitrate ale acestuia.

Covered

Natural Perils and Atmospheric Phenomena

Covered

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.

Clause 2.2.1Page 4/21

Section: Capitolul II > 2.2.1. Avarii

a) Fenomene atmosferice: Ploaie torențială, Grindină, Furtună, Uragan, Avalanșe de zăpadă, Greutatea stratului de zapada/gheață, Trăsnet; b) Calamităti naturale: Cutremur de pământ, Inundație, Prăbușire sau alunecare de teren;

Covered

Vandalism and Civil Risks

Covered

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). Any deductible applicable to this coverage is as set out in the insurance policy/offer (Cap. X).

Clause 2.2.2Page 5/21

Section: Capitolul II > 2.2.2. Vandalism

2.2.2. VANDALISM Asiguratorul acordă despăgubiri pentru prejudiciile produse de: a) persoane care săvârșesc acte de vandalism (inclusiv despăgubiri pentru avariile produse în urma folosirii unor substanțe chimice sau corozive de către terțe persoane);

Covered

Basic Roadside Assistance (Emergency Towing)

€300

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.

Clause 2.2.3.1Page 5/21

Section: Capitolul II > 2.2.3. Costuri/cheltuieli asigurate

asistența rutieră de urgență, respectiv transportul Autovehiculului dacă acesta nu poate fi deplasat prin forțe proprii, de la locul producerii Evenimentului asigurat la atelierul de reparatii cel mai apropiat care poate efectua reparatia sau la un spațiu amenajat (garaj/parcare - dar nu mai mult de 100 km de la locul evenimentului) inclusiv transportul pasagerilor in limita spațiului disponibil în mijlocul de tractare.

Optional · 2.3.8 AUTOTURISM LA SCHIMB

Replacement Vehicle (ALS Clause)

€50

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.

Clause 2.3.8.1Page 6/21

Section: Capitolul II > 2.3. Riscurile suplimentare > 2.3.8 Autoturism la schimb

2.3.8.1. Asiguratorul acorda despagubiri, in limita sumelor asigurate precizate în Polița de asigurare și pentru cheltuielile efectuate de Asigurat pe teritoriul României exclusiv pentru costurile de închiriere pentru maxim 5 (cinci) zile calendaristice dar fără a depăşi perioada necesară reparării autoturismului, a unui autoturism la schimb...

Optional · 2.3.13 ASIGURAREA DE ACCIDENTE A CONDUCĂTORILOR DE AUTOVEHICULE ȘI A PERSOANELOR TRANSPORTATE

Driver and Passenger Accident Insurance

Optional

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.

Clause 2.3.13Page 7/21

Section: Capitolul II > 2.3.13 Asigurarea de accidente a conducătorilor de autovehicule şi a persoanelor transportate

2.3.13. ASIGURAREA DE ACCIDENTE A CONDUCĂTORILOR DE AUTOVEHICULE ŞI A PERSOANELOR TRANSPORTATE

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.

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. For total theft, mandatory deductibles: 10% of the insured sum in Romania; 20% of the insured sum outside Romania. 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.

SourceClause 2.3.3.3Page 6/21

Section: Capitolul II. Obiectul asigurării și riscurile asigurate > 2.3. Riscurile suplimentare > 2.3.3 Furt > 2.3.3.3

2.3.3.3. Asiguratorul acopera riscul de furt total cu aplicarea următoarelor franșize deductibile obligatorii, în funcție de tipul autovehiculului asigurat și de acoperirea teritorială înscrisă în Contractul de asigurare/Actul adițional la polița de asigurare, respectiv: a) 10% din suma asigurată, pe teritoriul României; b) 20% din suma asigurata in afara teritoriul României;

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.

Territorial scope

Coverage valid on the territory of geographic Europe and Turkey (including Asian part), excluding Russian Federation, Ukraine and Belarus. Extension to other territories is possible, at the insured's written request, via an addendum (Act Adițional), subject to a supplementary premium and/or a deductible set by the insurer.

Policy specifics

Extended Roadside Assistance

Optional clause for extended road assistance services including vehicle transportation and passenger transport

SourceClause 2.3.7Page 6/21

Section: Capitolul II > 2.3.7 Asistență rutieră extinsă

2.3.7. ASISTENTĂ RUTIERĂ EXTINSĂ valabilă doar pentru autoturisme cu masa maximă autorizată de până la 3,5 tone si maximum 9 locuri.

Theft and Theft Attempt Coverage

Optional coverage extension for vehicle theft and attempted theft, with territorial extension possible

SourceClause 3.1Page 7/21

Section: Capitolul III. Acoperirea teritorială

La solicitarea scrisă a Asiguratului, Asigurătorul poate extinde teritorialitatea poliței de asigurare oricând pe perioada de valabilitate a poliței, cu condiția încheierii unui Act Aditional, achitării de către Asigurat a unei prime suplimentare și/sau aplicîrii unei franşize deductibile stabilită de Asigurator.

Partner Service Network Repairs

Vehicle repairs can be conducted in ASIROM partner service units based on collaboration agreements

SourceClause 13.9.1Page 16/21

Section: Capitolul XIII. Constatarea și evaluarea daunelor, stabilirea despăgubirilor > 13.9 Reparația autovehiculului > 13.9.1 Reparații în unități reparatoare din România

În funcție de clauza pentru care Asiguratul a optat la încheierea asigurării (opțiune în funcție de care se calculează și prima de asigurare) şi de locul în care acesta alege efectiv să facă reparația, modul de calcul al despăgubirii este: a. pentru clauza unitate de tip multimarcă parteneră cu Asirom dacă reparația se face în: 1. unitate service de tip multimarcă parteneră cu Asirom, care se regăsește pe site-ul Asirom www.asirom.ro: despăgubirea se calculează conform Convenției de colaborare cu unitatea reparatoare parteneră;

Depreciation and Wear Conditions

Depreciation (uzură) of vehicle components based on age, use, and maintenance condition

SourceClause 1.49Page 4/21

Section: Capitolul I. Definiții

1.49. Uzura: deprecierea calităților unui autovehicul, stabilită în funcție de vechime, întrebuințare și de starea de intreținere a acestuia;

Risk Inspection Requirement

Cover starts at 00:00 on the first day of insurance, but no earlier than 24 hours after the end of the day on which all conditions (premium paid, risk inspection done) are met

SourcePage 2

Section: Când începe și când încetează acoperirea?

Răspunderea Asiguratorului incepe la ora 00:00 a primei zile de asigurare, dar nu mai devreme de 24 de ore de la expirare a zilei in care sunt îndeplinite, cumulativ, urmatoarele condiţii: s-a platit Asiguratorului integral prima de asigurare (sau prima rata a acesteia), s-a efectuat inspectia de risc si s-a emis contractul de asigurare.

Sources