GARANTA ASIGURARI SA
Garanta
Garanta is a motor casco insurance for the Romania market with no online purchase and limited assistance availability.
Direct payment
Not stated on official product page. Claims are notified by email to daune@garanta.ro or by phone; a Garanta damage representative then contacts the insured to open the claim file. Garanta has a partner repair network; direct payment to repair shops is implied but not explicitly confirmed for individual CASCO.
Geographic scope
Romania
Vehicles registered in Romania; territorial scope of coverage (geographic Europe and Turkey) not confirmed from a Garanta standard individual CASCO document — value sourced from product page only which does not state territorial extension explicitly.
Unique selling points
- Automatic reinstatement of the insured sum after each claim, ensuring continuous full coverage throughout the policy period.
- Vehicles insured at market value determined via specialized IT systems, with new vehicles (0–100 km) insured at full invoice purchase value.
- Roadside emergency assistance included as standard, with up to 2 interventions per policy period and a EUR 200 limit per event.
- Option to purchase coverage without deductible for partial losses, offering full indemnification without out-of-pocket costs on claims.
- Renewal in the same conditions without a new risk inspection required, simplifying the annual renewal process.
Coverage limits
Own Damage (Collisions and Impacts)
100% of insured sum
Covers damages caused by collisions, hits or impacts with other vehicles or any mobile/immobile objects, scratches, falls (e.g. fall into a precipice, fall into water during transshipment, fall due to bridge collapse), objects falling on the vehicle, skidding and overturning. Insured sum equals market value of the vehicle.
Total Loss
100% of insured sum
Total loss is covered under the standard own-damage clause up to the insured market value of the vehicle. Vehicles are insured at market value determined automatically via specialized IT systems or via the insurer's depreciation algorithm based on new value and wear coefficients; for new vehicles with 0–100 km, the insured sum equals the purchase invoice value.
Partial Loss
100% of insured sum
Partial losses are covered under the standard own-damage clause. The product page mentions the possibility of insuring without deductible for partial losses (subject to conditions). Repair of series equipment/accessories is covered when damaged simultaneously with the vehicle.
Theft and Robbery
100% of insured sum
Covers theft of the vehicle, theft by burglary of component parts/subassemblies/pieces or series equipment from its interior, damages resulting from theft or theft attempt, and theft of contact keys or access/start cards.
Glass Damage
Covered
Glass damage is implicitly covered under the standard collision and own-damage perils listed on the product page (objects falling on the vehicle, collisions, vandalism). No separate dedicated glass clause or standalone limit is stated for the standard individual CASCO product; coverage is included within the general own-damage scope.
Natural Perils and Weather Events
100% of insured sum
Covers damages caused by fire, lightning, explosion, torrential rain, hail, flood, storm, hurricane, earthquake, land collapse or land slide, weight of snow or ice layer, snow avalanches, and objects falling on the construction where the vehicle is parked.
Vandalism
100% of insured sum
Vandalism is explicitly listed as a covered peril in the standard conditions. Damages caused by vandalism to the insured vehicle are covered according to the general insurance conditions.
Roadside Assistance
€200
Emergency roadside assistance is included, limited to EUR 200 per event and a maximum of 2 interventions during the insured period.
Replacement Vehicle
No limit stated
No replacement vehicle coverage is mentioned on the standard individual CASCO product page. This benefit is not listed among covered perils or included services.
Driver / Passenger Accident Coverage
No limit stated
Passenger/driver accident coverage (death, permanent disability, hospitalization indemnity) is not listed on the standard individual CASCO product page. This coverage is present in the CASCO Gold variant for legal persons but is not confirmed for the standard individual product.
Key conditions
Driver age and experience limit
No minimum driver age or experience requirement is stated on the standard individual CASCO product page. The 28-year minimum age appears in the CASCO START product (a separate product), not in this standard product.
Repair network requirements
Claims can be assessed at Garanta damage assessment centres or at one of the partner repair network service centres. If the vehicle is not drivable or is abroad, Garanta must be informed before scheduling an assessment.
Territorial scope
Motor vehicles subject to registration in Romania (including trailers/semi-trailers towed by them) are eligible. Territorial scope of coverage is not explicitly stated on the standard individual CASCO product page; geographic Europe and Turkey (excluding Russia, Ukraine, Belarus) is stated in third-party IPID documents of unverified Garanta provenance.
Anti-theft requirements
No specific anti-theft device requirements are stated on the standard individual CASCO product page.
Claim notification deadline
Claims must be notified to Garanta by email at daune@garanta.ro or by telephone at 021.796.25.84 / 021.796.38.13. The specific notification deadline (number of days) after the insured event is not stated on the product page and could not be confirmed from a Garanta standard individual CASCO T&C document.
Deductible rules
The product page indicates the possibility of insuring without deductible for partial losses. Specific deductible percentages or fixed amounts for each peril type are not stated on the product page and could not be confirmed from a Garanta standard individual CASCO T&C document.
Policy specifics
Natural Disasters and Weather Events
Coverage for damages caused by fire, lightning, torrential rain, hail, flood, storm, hurricane, earthquake, landslide, snow weight, avalanches, and falling objects
SourceTheft and Burglary Coverage
Coverage for vehicle theft, theft of component parts, and damages resulting from theft or theft attempt, including theft of car keys or access cards
SourceCollision and Impact Damage
Coverage for damages caused by collisions, hits, impacts with other vehicles or objects, scratches, falls, skidding, and overturning
SourceVehicle Valuation Method
Vehicles are insured at market value, determined automatically from specialized IT systems or calculated using the insurer's depreciation algorithm based on new value and wear coefficients
SourceVehicle Eligibility Requirements
Only motor vehicles subject to registration in Romania, including trailers or semi-trailers towed by them, belonging to natural persons are eligible
SourceOptional Equipment Coverage Limits
Supplementary equipment mounted on the vehicle, different from manufacturer equipment, may be insured for an additional premium, but not exceeding 10% of the vehicle's new value
Source