Generali Romania Asigurare Reasigurare S.A.
Generali
Generali is a motor casco insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
For repairs at Generali partner service units, costs are settled directly between Generali and the repair shop (direct debit/decontare directă). For repairs at non-partner units, the insured must present an advance estimate; Generali communicates the maximum accepted compensation and reimburses the insured upon presentation of repair invoice and proof of payment, not the repair shop directly.
Geographic scope
Romania, with optional extension to Green Card member states (excluding Russia, Azerbaijan, Belarus, Israel, Iran)
Primary coverage on Romanian territory. Extension to Green Card states granted automatically and free of charge if the insured also holds a valid RCA policy with Generali, for the same period and territorial scope as that RCA policy. Extension beyond Green Card countries requires an addendum and additional premium.
Unique selling points
- Automatic free territorial extension to all Green Card member states when the insured also holds a Generali RCA policy, with no additional premium or addendum required.
- Insured sum is automatically reinstated after each partial loss claim without an additional premium, maintaining full coverage throughout the policy year.
- CASCO Perfecto service tier provides damage assessment by a mobile inspector within 24 hours of claim notification on business days, with direct settlement between Generali and the repair shop.
- Fixed deductible is fully waived when damage is caused exclusively by a third party's fault and the insured can claim under that party's compulsory RCA insurance.
- Glass damage (windscreen and side windows) can be settled without visiting a service: insured sends photos and invoice by email under the self-assessment clause (clauza de autoconstatare), with payment made directly to the insured's bank account.
Coverage limits
Own vehicle damage from road accident (collision with another vehicle)
€70,000
100% of insured sum
Only in Art. 2.3 Avarii produse de accident rutier prin coliziune cu alt (auto)vehicul
Covers direct material damages to the insured vehicle caused by a road accident through collision, impact, or ramming with one or more other vehicles belonging to third parties. Compensation is limited to the insured sum and the actual value of the vehicle at the time of the event. For accidents on Romanian territory involving only two vehicles and only material damage, an amicable accident form may be used. The insured sum is automatically reinstated after each claim.
Total loss (theft or constructive total loss)
100% of insured sum
Only in Art. 2.2 Furt, Art. 9 Cuantumul despăgubirii, Definiție Daună totală
Total loss is defined as either (a) theft of the insured vehicle, or (b) damage where the cost of repairs plus the value of recoveries equals or exceeds the insured value of the vehicle at the time of loss or the insured sum, whichever is lower. In case of total loss, the indemnity is reduced by the value of recoveries, any remaining premium instalments due for the insurance period, and the applicable deductible. The contract ceases automatically from the date of the total loss event upon payment of compensation.
Partial loss / accidental damage
100% of insured sum
Only in Art. 2.4 Avarii accidentale produse exclusiv autovehiculului asigurat, Art. 9 Cuantumul despăgubirii, Definiție Daună parțială
Partial loss covers material damage to the insured vehicle where restoration can be achieved through repair, reconditioning or replacement of parts, at a total cost below the total loss threshold. Generali determines the claim amount based on repair costs at partner service unit price levels. Improvements or modifications made during repairs are excluded. For vehicles older than 3 years and with a new value up to 50,000 EUR, the 'accidental damage to the insured vehicle only' clause (Art. 2.4) is optional; for vehicles up to 3 years old or above 50,000 EUR new value it is included as standard.
Theft, robbery and attempted theft
100% of insured sum
Only in Art. 2.2 Furt, Art. 5 Declararea furtului, Art. 9 Cuantumul despăgubirii, Art. 11 Recuperări în urma furtului
Covers total vehicle theft, robbery, and attempted theft. Theft from inside the vehicle is covered only if it involves break-in (efracție). Theft must be reported to police and confirmed by them. The insured must surrender all key sets, remote controls, master key, vehicle identity card and registration certificate at the time of reporting. Generali pays compensation after 60 days from theft notification, subject to police confirmation that the vehicle has not been recovered. If the GPS tracking system was non-functional at the time of theft, a 10% proportional deductible of the insured sum is applied and the premium discount granted for the GPS system is deducted.
Glass damage (windscreen and side windows)
Covered
Only in Art. 2.4 Avarii accidentale produse exclusiv autovehiculului asigurat, CASCO Completo brochure - clauza de autoconstatare geamuri
Glass breakage (windscreen/rear window and side windows) is covered under the accidental damage clause as part of the base CASCO product. For CASCO Completo, the product brochure specifically highlights that in the case of breakage of the rear window and/or side windows (excluding road accidents), payment is made directly into the insured's bank account upon submission of photos and original invoice by email (self-assessment clause). No specific sublimit is stated in the T&Cs; compensation is within the insured sum.
Natural perils / natural events
100% of insured sum
Only in Art. 2.5 Evenimente naturale
Covers direct material damage caused by: storm, hurricane, waterspout, alluvion, torrential rain (including indirect effects), floods (including pipe burst at vehicle location), hail, weight of snow or ice layer, snow avalanche, landslides or ground collapse, and earthquake. Also covers damage from objects falling on the vehicle as indirect effects of the above natural events. Excluded: damage from water infiltration due to sealing defects or wear of the vehicle.
Socio-political events and acts of vandalism
100% of insured sum
Only in Art. 2.6 Evenimente socio-politice și acte de vandalism, Art. 3 Clauze speciale
Optional clause (Art. 2.6) covering direct material damage caused by civil unrest, revolts, strikes, spontaneous demonstrations, and acts of vandalism. Also covers damage caused by animals (except animals belonging to the insured). Must be reported to and confirmed by police. Intentional damage by the insured, persons living with the insured, employees, or persons authorized to drive/repair/keep the vehicle is excluded. For vehicles older than 3 years with new value up to 50,000 EUR, this clause is optional; standard for others.
Roadside assistance (basic) and extended roadside assistance (optional)
€1,000
Only in Art. 3.1 Asistență rutieră, Art. 3.2 Asistență rutieră extinsă
Basic roadside assistance (Art. 3.1) is included as a base risk: covers towing of the immobilized vehicle to an insurer-approved repair shop (up to 100 km within Romania), plus passenger transport costs up to 200 EUR per insured event if the vehicle is immobilized for more than 36 hours. Extended roadside assistance (Art. 3.2) is an optional clause, applicable only to passenger cars for private use, covering transport to nearest service in case of mechanical/electrical breakdown, flat tyre (double puncture or single if no spare), fuel shortage, wrong fuel, or lost/locked-in keys. Extended cover is limited to one event per policy period; maximum indemnity is stated in the policy schedule.
Replacement vehicle during repair period
€10
Only in Art. 3.3 Autoturism la schimb, CASCO Perfecto brochure
Optional clause (Art. 3.3), applicable only for passenger cars used for the insured's private use. When the insured vehicle becomes immobilized due to a covered event, a replacement vehicle of the same or lower class is provided once per policy period, for a maximum period stated in the policy schedule but not exceeding the repair duration. Not applicable in the event of total loss. Generali covers daily rental costs only; the insured bears any deposits required by the rental company, drop-off charges, snow chains, etc. Taxi transfer from the accident scene to the rental center is covered up to 100 EUR. For CASCO Perfecto tier, replacement vehicle is provided for up to 10 days.
Accident cover for driver and transported persons
Optional
Only in Art. 3.6 Accidente conducător auto și persoane transportate
Optional clause (Art. 3.6) covering: (a) death or permanent disability of grade I or II resulting from a road accident, for the driver and all transported passengers (up to the number of seats in vehicle documents), and (b) death resulting from a non-road accident, for the vehicle owner (natural person) or the driver named in the policy (if owner is a legal entity). Insured sums are set per person and in aggregate per policy. Compensation is payable only if the insured risk occurs within the policy period or within one year of the road accident date. Applicable only to passenger cars and light commercial vehicles up to 3,500 kg GVW.
Key conditions
Driver age and experience limit
No explicit minimum driver age or experience requirement is stated in the T&Cs. However, the product information document identifies individual clients aged over 30 years as the primary target market. No coverage restriction based on driver age or licence duration is stipulated in the policy conditions.
Repair network requirements
Repairs can be performed at: (a) any Generali partner repair unit (authorized dealer or multi-brand) from the list on Generali's website, with direct settlement between Generali and the service; or (b) any other authorized repair unit, provided the insured first presents an advance estimate and obtains Generali's approval of the maximum accepted indemnity. For option (b), compensation does not exceed the average price level of Generali partner units and is paid to the insured (not the repair shop) upon presentation of invoice and proof of payment. For repairs performed abroad, the maximum covered cost does not exceed that charged by authorized dealers of the respective brand's official importer in Romania.
Territorial scope
Coverage is valid in Romania. Automatic free extension to Green Card member states (excluding Russia, Azerbaijan, Belarus, Israel, Iran) is granted for the same period and territorial scope as a simultaneously held Generali RCA policy; extension expires when either the RCA or CASCO policy expires. Extension to countries outside the Green Card system requires a policy addendum and additional premium. When abroad, roadside assistance is provided up to the limit in the policy schedule and a proportional total-loss deductible applies.
Anti-theft requirements
The insured must not leave the vehicle unlocked, leave keys in the ignition, or leave the vehicle registration certificate or identity card inside the vehicle. If keys/remote controls/master key are lost or stolen, the insured must notify Generali and replace all locking systems within 24 hours. Failure to comply results in automatic termination of theft cover. If the vehicle is equipped with a remote-start system not factory-installed, theft is excluded. If a GPS tracking/security system was non-functional at the time of theft, a 10% proportional deductible applies and the premium discount for the GPS system is deducted from the indemnity.
Claim notification deadline
The insured must notify Generali of a covered event within 3 days of becoming aware of it. Exception: theft must be reported to both police and Generali on the same day the insured becomes aware. Changes in essential risk circumstances must be communicated in writing within 10 days of becoming aware. Failure to notify within the stipulated deadline results in loss of the right to indemnity (unless notification is based on an official state document showing the cause, time, and circumstances of the event). Generali must perform the damage assessment within 14 business days of notification (30 business days for natural catastrophes); if it does not, the insured is entitled to proceed with repairs.
Deductible rules
A fixed deductible and/or percentage deductible may be set in the policy schedule; the higher of the two applies. The deductible remains exclusively the insured's liability and cannot be insured elsewhere. The fixed deductible does not apply when the damage was caused exclusively by third-party fault and the Generali CASCO insured has the right to receive compensation under the liable third party's RCA policy. A proportional deductible of 30% of the damage amount applies if the vehicle was driven on snow/ice/sleet-covered public roads without winter tyres when legally required (or without snow chains on drive axles for vehicles over 3.5t GVW or with more than 9 seats). If the GPS security system was non-functional at the time of total theft, a 10% proportional deductible of the insured sum applies. For losses smaller than the deductible, no compensation is paid. Deductible is waived for key loss/theft clause (Art. 3.5).
Policy specifics
Motor accident coverage
Covers damages from road accidents including collision, impact, and rollover, including hits from unknown perpetrators
SourceNatural disasters and natural events coverage
Covers damages caused by natural disasters and calamities
SourceVideo-based remote damages assessment
CASCO Perfecto includes digital damage assessment via video evaluation from distance
SourceAuthorized repair service network
CASCO Perfecto allows repair at authorized Generali partner services with coordinated claims handling
SourceReplacement vehicle during repairs
CASCO Perfecto provides a replacement vehicle of similar class during repair period
SourceDedicated 24/7 claims support
CASCO Perfecto provides dedicated non-stop telephone number for accident reporting and support
SourceMobile inspector for damage assessment
CASCO Perfecto arranges mobile inspector to assess damages at location chosen by insured
SourceDeductible/Franchise options
CASCO Perfecto offers choice between zero deductible (no insured contribution) and fixed deductible (e.g., 100 EUR per event)
SourceVehicle registration and eligibility requirements
Covers only vehicles registered in Romania and new undriven vehicles purchased from authorized dealers with authorization for registration
SourceTerritorial scope of coverage
Coverage valid in Romania with possibility to extend to Green Card system member states (excluding Russia, Azerbaijan, Belarus, Israel, Iran) without additional premium if RCA also with Generali
SourceRisk inspection requirement
Electronic risk inspection required for driven vehicles (over 50 km mileage) at time of insurance inception
SourceWinter tire equipment penalties
30% proportional deductible applied to damages if vehicle driven on snow/ice/sleet roads without winter tires when legally required
SourceDeductible waiver for third-party fault
Fixed deductible not applied if damage caused exclusively by third party fault and insured has RCA claim against liable party
SourceInsured person eligibility
Insurance covers only individuals and legal entities with domicile, residence or registered office in Romania
SourceSources
- https://www.1asig.ro/GENERALI-relanseaza-Casco-si-vine-cu-solutii-de-asigurare-pentru-toate-buzunarele-articol-100-47671.htm
- https://www.generali.ro/asigurari/persoane-fizice/auto/casco-perfecto/
- https://www.generali.ro/solutionarea-daunelor-mai-simpla-si-mai-rapida-cu-ajutorul-constatarilor-video-si-a-altor-servicii-dedicate/