Generali
Generali is a motor casco insurance for the RO market with online purchase and 24/7 assistance.
Direct payment
In the event of a claim, Generali pays compensation directly to the insured in the currency in which the premium was collected, or via direct settlement with the authorized repair workshop chosen by the insured and agreed by Generali. Payment is made within maximum 30 days from completion of the claim file. For total loss or theft, compensation equals insured sum minus salvage value, remaining premiums, and any applicable deductible.
Geographic scope
RO
Valabil pe teritoriul României; extindere fără primă suplimentară pe teritoriul statelor din sistemul Carte Verde (exclus Rusia, Azerbaidjan, Belarus, Israel și Iran) dacă RCA este încheiat tot la Generali; extindere suplimentară posibilă prin act adițional cu primă suplimentară
Unique selling points
- Automatic sum insured reinstatement after every partial damage repair at no extra premium, ensuring full coverage is always maintained throughout the policy year.
- Fixed deductible is fully waived when a third party is exclusively at fault and the CASCO insured is entitled to RCA compensation, and such claims are excluded from the Bonus-Malus calculation.
- CASCO Perfecto includes a 24/7 dedicated accident helpline with on-site damage assessment within 24 hours of notification on business days, direct settlement with the repair workshop, and periodic SMS/phone claim status updates.
- Green Card territorial extension to all Green Card member countries (except Russia, Azerbaijan, Belarus, Israel, Iran) granted at no additional premium when RCA is also held with Generali, covering the same risks as the base policy.
- Full online purchase, digital self-assessment for glass damage claims (photo and invoice by email without insurer visit required), and instant policy issuance via AI-based vehicle photo evaluation.
Coverage limits
Own damage (accidental damage)
Covered
Covers direct material damage to the insured vehicle caused by collision with other vehicles (Art. 2.3) and accidental damage exclusively to the insured vehicle including collisions, overturning, skidding, falling objects (Art. 2.4). For vehicles older than 3 years with new value up to 50,000 EUR, accidental damage cover (Art. 2.4) is optional.
SourceTotal loss
Covered
Total loss is declared when repair costs plus salvage value equal or exceed the insured vehicle's value at the date of the event or the insured sum. In such cases Generali pays the insured sum minus salvage value, remaining premiums due, and the applicable percentage deductible. The insurance contract terminates upon total loss payment.
SourcePartial loss
Covered
For partial damage, Generali determines the claim amount based on repair costs of damaged components including materials, dismantling and reassembly, at the price levels of contracted authorized repair shops (direct settlement), minus salvage value. The insured sum is automatically reinstated after repair without additional premium.
SourceTheft and robbery
Covered
Covers total loss of the insured vehicle and direct material damage caused by theft, robbery, and attempted theft. Partial theft from inside the vehicle is covered only if produced by break-in (efracție). Theft must be declared to police and Generali on the same day of discovery. Compensation is paid after 60 days from theft notification, subject to police/prosecutor confirmation the vehicle was not found.
SourceGlass damage
—
No explicit percentage cap of insured sum found in policy documents; windscreen, rear window and side glass replacement is covered as a standard service benefit without a published percentage sublimit
Natural perils
Covered
Covers direct material damage caused by storm, hurricane, waterspout, alluvium, torrential rain (including indirect effects), flooding (including pipe burst at vehicle location), hail, weight of snow or ice, snow avalanche, landslides or ground subsidence, and earthquake. Also covers damage from objects falling on the vehicle as indirect effects of the above natural events. Water infiltration from exterior due to vehicle sealing defects (including wear) is excluded.
SourceSocio-political events and vandalism
Optional
Optional clause (for vehicles older than 3 years with new value up to 50,000 EUR) covering direct material damage caused by civil disturbances, revolts, strikes, spontaneous demonstrations, and acts of vandalism, as well as damage caused by animals during vehicle stationing (except damage by the insured's own animals). Events must be declared to and confirmed by police. Damage caused intentionally by the insured, cohabitants, employees, or authorized persons is excluded.
SourceRoadside assistance
€200
Covers passenger transport costs up to 200 EUR (or RON equivalent) per insured event when vehicle is immobilised for more than 36 hours
Replacement vehicle
€5
Maximum 5 calendar days per insurance year (per Generali CASCO conditions Feb 2025, Porsche Finance version); standard retail conditions state the period is as inscribed in policy but not exceeding the repair duration; triggered after vehicle is in service more than 5 days
Driver accident
—
Sum insured per person is policy-defined and determined by dividing the total accident sum insured by the number of seats in the vehicle certificate; no fixed maximum per-person cap published in publicly available policy documents
Key conditions
driver_age_experience_limit
No explicit minimum driver age is stated in the policy conditions (CSC 17/April 2024). However, the product information document indicates the target market includes legal entities or natural persons over 30 years of age as a recommendation, and clients with fewer than 4 claims per insurance year. Vehicles used by persons conducting taxi, transport, school driver, or other commercial activities are excluded from coverage entirely.
repair_network_requirements
Repairs must be performed at authorized repair workshops. In Romania and abroad, the insured may choose any workshop with which Generali has a direct settlement contract (authorized brand representatives or independent multi-brand). For repairs at non-contracted workshops, a prior estimate must be submitted; compensation is capped at the average price level of Generali's contracted workshops. For repairs abroad, the maximum accepted repair cost is the level practiced by the official importer's authorized workshops in Romania.
territorial_scope
Base coverage is valid on Romanian territory. Extension to Green Card system countries (excluding Russia, Azerbaijan, Belarus, Israel, and Iran) is granted without additional premium and without addendum, for the same period and territorial scope as the RCA insurance concluded with Generali. The extension expires when either the RCA or CASCO policy expires (whichever is first). In all other cases, CASCO can be extended abroad only via a policy addendum and payment of additional premium as per Generali's tariffs.
anti_theft_requirements
In case of theft or loss of keys/remote controls/master key, the insured must notify Generali and replace the locking systems within maximum 24 hours of discovery. Failure to comply causes theft coverage to cease automatically upon expiry of the replacement deadline. Leaving the vehicle unlocked, keys in the ignition, registration documents inside the vehicle, or failing to change locks after an attempted break-in constitutes gross negligence and is excluded. In case of total vehicle theft, the full set of keys/remotes including master key plus the vehicle identity card and registration certificate (both originals) must be surrendered to Generali simultaneously with filing the claim; failure causes loss of compensation rights.
claim_notification_deadline
The insured must notify Generali of any insured event within 3 (three) days from the date of becoming aware of it. Exception: for theft, notification must be made on the same day as discovery. Damages notified after this deadline are not compensated. Events notified more than 3 days after policy expiry (in case of non-renewal) are also not compensated, except where notification is based on an official document from state authorities (police, fire brigade, etc.) showing the cause, moment, circumstances, and extent of damage.
deductible_rules
The policy offers a choice between a fixed deductible (expressed as a fixed sum) and a percentage deductible (expressed as a percentage of the insured sum or claim value). The higher of the two applies. The fixed deductible is waived when damage is caused exclusively by third-party fault and the Generali CASCO insured is entitled to compensation under the at-fault third party's valid mandatory RCA insurance. The percentage deductible always remains at the insured's expense and cannot be insured elsewhere. A mandatory 30% percentage deductible applies if the vehicle was driven on snow/ice/black ice roads without winter tires (where this constitutes a contravention). A 10% percentage deductible applies if the vehicle had a GPS security system that was not functioning at the time of total theft.
Where to buy
Documents
Document de informare privind produsul de asigurare CASCO (IPID) – ver.3/24.04.2024
ipid
Condiții de asigurare CASCO pentru autovehicule – Mod. CSC 17/Aprilie 2024
terms_and_conditions
Condiții de asigurare CASCO pentru autovehicule – Mod. CSC 14/Martie 2016 (versiune anterioară)
terms_and_conditions
Document informare produs CASCO Retail – Fișă produs (20.06.2024)
benefits_table
Document informare produs CASCO Retail – Fișă produs (versiune 1/24.04.2020)
benefits_table
Policy specifics
Fire coverage
Direct material damages caused by fire to the insured vehicle
Theft coverage
Coverage for vehicle theft including theft parts recovery obligations
Collision coverage
Direct material damages from traffic accidents involving collision with other vehicles
Accidental damage coverage
Coverage for accidental damage to insured vehicle from unintended events
Natural events coverage
Coverage for damages caused by natural phenomena
Replacement vehicle service
Optional service providing replacement vehicle during repair period
Tire and rim damage coverage
Optional coverage for damages to rims and tires
Engine water damage coverage
Optional coverage for damages caused by water entering the engine
Passenger accident insurance
Optional coverage for accidents to passengers transported in vehicle
Driving by other drivers coverage
Optional coverage for damages when vehicle driven by other authorized drivers
Extended roadside assistance
Optional extended roadside assistance service beyond basic coverage
Deductible types
Insurance contract offers choice between fixed deductible and percentage deductible
Risk inspection requirement
Physical risk inspection required for vehicles with mileage exceeding threshold
Valid vehicle documents requirement
Insured vehicle must have valid registration and inspection documents
Bonus-Malus system
Premium adjustment based on insured's claims history
Amicable accident settlement
Procedure for settling certain traffic accidents without police intervention
Authorized repair network requirement
Repairs must be performed at authorized workshops
Insured amount automatic reinstatement
Automatic reinstatement of sum insured after repair without additional premium
Third party liability coordination
Fixed deductible waived when third party at fault has valid liability insurance