Garanta Casco (own-damage car insurance) (Casco Standard)
Underwritten by Garanta Asigurări SA · Romania
casco (own-damage car insurance) from Garanta for the Romania market.
Last verified Aug 12, 2026Sources
Key facts
- Garanta
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.
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.
Section: Asigurare auto – CASCO > Riscuri asigurate
Avarii cauzate de ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile, zgarieri, caderi (de ex: cadere în prapastie, cadere in apa cu prilejul transbordarii, cadere din cauza ruperii podului), caderi ale unor corpuri peste autovehicul, derapari sau rasturnari.
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.
Section: Asigurare auto – CASCO > Suma asigurata
Autovehiculele se asigura la valoarea de piata. Aceasta se obtine automat din sistemele specializate IT, sau, daca acest lucru nu este posibil, in baza algoritmului propriu de estimare al Asiguratorului bazat pe valoarea de nou a autovehiculului si coeficienti de uzura diferentiati.
Partial Loss
100% of insured sum
Partial losses are covered under the standard own-damage clause. Repair of series equipment/accessories is covered when damaged simultaneously with the vehicle.
Section: Asigurare auto – CASCO > Riscuri asigurate
Avarii cauzate de ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile, zgarieri, caderi.
Theft
100% of insured sum
Covers theft of the vehicle, or of its component parts or pieces, including the ignition keys or access/start cards, and damages resulting from theft or attempted theft.
Section: Asigurare auto – CASCO > Riscuri asigurate
Furt (al autovehiculului, al unor parti componente sau al unor piese ale acestuia, inclusiv ale cheilor de contact sau cardurilor de acces – pornire) si pagube ca urmare a furtului sau tentativei de furt.
Glass Damage
Covered
No limit stated
Glass damage (cracking or fissuring of the glazed surfaces of the insured vehicle) resulting from an accident is explicitly covered as a base risk, per the insurer's Insurance Product Information Document.
Section: Document conținând Informații cu privire la Produsul de Asigurare > Ce se asigură?
FISURAREA, CRĂPAREA suprafețelor vitrate ale autovehiculului asigurat ca urmare a unui accident
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.
Section: Asigurare auto – CASCO > Riscuri asigurate
Avarii cauzate de incendiu, trasnet, explozie, ploaie torentiala, grindina, inundatie, furtuna, uragan, cutremur de pamant, prabusire sau alunecare de teren, greutatea stratului de zapada sau de gheata, avalanse de zapada, caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.
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.
Section: Asigurare auto – CASCO > Riscuri asigurate
caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.
Roadside Assistance
€200
Emergency roadside assistance is included, limited to EUR 200 per event and a maximum of 2 interventions during the insured period.
Section: Asigurare auto – CASCO > Avantaje
Asistenta rutiera pentru situatii de urgenta, in limita a 200 EUR per eveniment si max. 2 interventii in perioada asigurata.
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
No specific repair-network or assessment-centre requirements are stated on the product page or confirmed from a Garanta standard individual CASCO T&C document.
Anti-theft requirements
No specific anti-theft device requirements are stated on the standard individual CASCO product page.
Claim notification deadline
The product page does not provide a specific claims contact (email or phone) or a notification deadline (number of days) after the insured event; this could not be confirmed from a Garanta standard individual CASCO T&C document.
Deductible rules
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.
Direct payment
Not stated on the official product page; direct payment arrangements with repair shops are not confirmed from an attached Garanta CASCO document.
Territorial scope
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.
Documents
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
SourceSection: Asigurare auto – CASCO > Riscuri asigurate
Avarii cauzate de incendiu, trasnet, explozie, ploaie torentiala, grindina, inundatie, furtuna, uragan, cutremur de pamant, prabusire sau alunecare de teren, greutatea stratului de zapada sau de gheata, avalanse de zapada, caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.
Theft 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
SourceSection: Asigurare auto – CASCO > Riscuri asigurate
Furt (al autovehiculului, al unor parti componente sau al unor piese ale acestuia, inclusiv ale cheilor de contact sau cardurilor de acces – pornire) si pagube ca urmare a furtului sau tentativei de furt.
Collision and Impact Damage
Coverage for damages caused by collisions, hits, impacts with other vehicles or objects, scratches, falls, skidding, and overturning
SourceSection: Asigurare auto – CASCO > Riscuri asigurate
Avarii cauzate de ciocniri, loviri sau izbiri cu alte vehicule sau cu orice alte corpuri mobile sau imobile, zgarieri, caderi (de ex: cadere în prapastie, cadere in apa cu prilejul transbordarii, cadere din cauza ruperii podului), caderi ale unor corpuri peste autovehicul, derapari sau rasturnari.
Vandalism Coverage
Coverage for damages caused by vandalism to the insured vehicle
SourceSection: Asigurare auto – CASCO > Riscuri asigurate
caderea unor corpuri pe constructia in care se afla autovehiculul, vandalism.
Vehicle 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
SourceSection: Asigurare auto – CASCO > Suma asigurata
Autovehiculele se asigura la valoarea de piata. Aceasta se obtine automat din sistemele specializate IT, sau, daca acest lucru nu este posibil, in baza algoritmului propriu de estimare al Asiguratorului bazat pe valoarea de nou a autovehiculului si coeficienti de uzura diferentiati in functie de vechimea, kilometrajul i starea de intretinere a acestuia la data incheierii politei de asigurare.
Vehicle Eligibility Requirements
Only motor vehicles subject to registration in Romania, including trailers or semi-trailers towed by them, belonging to natural persons are eligible
SourceSection: Asigurare auto – CASCO > Obiectul asigurarii
Autovehiculele supuse inmatricularii in Romania, inclusiv remorcile sau semiremorcile trase de acestea, apartinand persoanelor fizice.