OMNIASIG Vienna Insurance Group S.A.

Driver age and experience limit

For individual policyholders (natural persons): if the insured vehicle is driven by a person other than the insured who is 25 years old or younger (inclusive) at the time of the insured event, a supplementary deductible of 25% of the damage value is applied in addition to the deductible stated in the policy, unless the parties have agreed otherwise. This supplementary deductible can be eliminated by purchasing additional clause 03.01.01.E.010.0.D for an additional premium. For CASCO ECOnom (separate product): only drivers over 30 years old are permitted.

Repair network requirements

Repair cost determined by: (i) Partner units (Lista Parteneri) regardless of vehicle age — full invoice accepted; (ii) Extended Partner units (Lista Parteneri Extinsă) for vehicles under 3 years old — full invoice; for vehicles 3 years or older only if Extended Network clause (E.026) is purchased, otherwise cost reduced by 20%; (iii) Non-partner authorized units — OMNIASIG evaluation using specialized systems, reduced by 25% (vehicles ≥3 years old) or 20% (vehicles <3 years) for parts, and 50 lei/hour for labour; (iv) Without repair documents — parts reduced by 37%, labour at 50 lei/hour. Foreign repair units require prior OMNIASIG approval. The insured may choose freely but settlement amounts differ. Partner lists available at www.omniasig.ro.

Territorial scope

Insured vehicles registered in Romania are covered for events occurring in: geographic Europe (Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Switzerland, Estonia, Finland, France, FYROM/Macedonia, Germany, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Great Britain, Republic of Moldova, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, San Marino, Serbia including Kosovo, Slovakia, Slovenia, Spain, Sweden, Hungary, Vatican); Turkey (both European and Asian parts); Israel. Extended coverage (without additional premium) to other Green Card countries (except Russia and Belarus) when the insured also purchases an MTPL policy at OMNIASIG.

Anti-theft requirements

Theft coverage requires the optional theft clause (E.007.0.F). Key obligations: insured must not leave the ignition key/starting device in the vehicle when stopped/parked without locking doors; must not keep registration certificate, car ID book or any key/starting device inside the vehicle; must not have the vehicle in disassembled state at time of theft (unless theft was via break-in of the locked premises). Theft compensation not paid if police complaint not filed. In case of loss/theft of keys, insured must notify OMNIASIG within 1 working day and take immediate preventive measures.

Claim notification deadline

Insured must notify OMNIASIG as soon as possible, but no later than 48 hours from the moment of knowledge of the insured event occurrence. Notification via call center number or online at www.omniasig.ro. Must provide: policy series/number/date, vehicle identification data, location, date, time, causes, circumstances of the event, nature and probable extent of damage. Claim documentation must be submitted within maximum 90 days from event notification. Police/fire brigade notification required immediately for applicable events (including vandalism, theft). For theft: police complaint within 2 working days (5 working days for abroad events).

Deductible rules

Deductible (franșiză) is deducted from the damage amount at each insured event as specified in the policy. Types: fixed amount or percentage of total insured sum or percentage of damage. Additional mandatory deductible of 25% of damage value when a person aged 25 or under drives the vehicle (for individual policyholders), unless clause E.010 is purchased. Special 25% deductible applies if vehicle driven on snow/ice/black ice without legally required winter tyres, mixed tyres or certified anti-skid equipment, but not less than the deductible stated in the policy. OMNIASIG may offset unpaid future premiums against due compensation.

Supplementary Equipment Coverage

Coverage for additional equipment installed on the vehicle at the time of insurance inclusion

Off-Road Damage Coverage

Optional additional coverage for vehicle damage resulting from driving outside public roads

Vandalism Coverage

Optional additional coverage for damage caused by intentional destruction or damage by person(s) without intent of theft

Animal Damage Coverage

Optional additional coverage for vehicle damage caused by animals

RCA Regress Coverage

Optional facility allowing recovery of damages when the other identified driver is at fault and holds valid RCA insurance

Vehicle Inspection Requirement

Not established from the insurer's documents

Vehicle must undergo inspection before policy issuance, either physically at an Omniasig location or online via photographs

Periodic Technical Inspection

Insured must perform mandatory periodic technical inspection of the insured vehicle at legally established intervals

Immediate Incident Notification

Insured must immediately notify Omniasig of any insured event and take all reasonable measures to limit damage

Claims Processing Timeline

Not established from the insurer's documents

Standard claims processing timeframe is 5-7 business days from complete file submission; indemnification due within 15 calendar days maximum from final document submission

Repair Approval Requirement

Repairs must be approved by Omniasig prior to execution; insured may choose from Omniasig partner service network or other repair facilities with pre-approval

Total Loss Threshold

Vehicle declared total loss when repair/replacement costs exceed 75% of vehicle market value at time of incident

Currency Settlement

Insurance settlement currency matches the policy premium currency; if payment documents are in foreign currency, conversion uses reference exchange rate from incident date