Omniasig

driver_age_experience_limit

For insured individuals (natural persons): if at the time of the insured event the vehicle was driven by a person other than the insured, aged 25 years or under (inclusive), a supplementary deductible of 25% of the damage value applies in addition to the deductible stated in the policy, unless the parties have agreed otherwise in the policy. This supplementary deductible can be waived through optional additional clause 03.01.01.E.010.0.D upon payment of an additional premium.

repair_network_requirements

Repairs can be performed at OMNIASIG partner service centers (Lista Parteneri) for vehicles of any age, or at the Extended Partner List (Lista Parteneri Extinsă) for vehicles under 3 years old (always) or 3+ years old only if the extended network clause is purchased. If the insured chooses the Extended Partner List without purchasing the extension clause, repair costs are reduced by 20%. For repairs at other authorized (non-partner) workshops: parts/materials at specialized system prices less 25% (vehicles ≥3 years) or 20% (<3 years); labor at 50 RON/hour; payment to policyholder. Without repair documents: parts less 37%, labor 40 RON/hour. Foreign repairs require prior OMNIASIG approval; if event occurred in Romania, transport costs to foreign workshop are the insured's responsibility (unless no Romanian authorized workshop exists). Network lists are available at www.omniasig.ro.

territorial_scope

Coverage is valid for insured events occurring on the territory of 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 incl. Kosovo, Slovakia, Slovenia, Spain, Sweden, Hungary, Vatican), Turkey (both European and Asian parts), and Israel. Additional benefit: coverage is extended to all other Green Card International System member countries (except Russia and Belarus) without additional premium, for the same period and territorial validity as a OMNIASIG RCA (MTPL) policy held simultaneously.

anti_theft_requirements

In the event of theft of keys/ignition devices: OMNIASIG's liability for total theft risk ceases immediately after the loss/theft of keys/ignition devices without prior notice. Coverage for total theft risk can be reactivated if: (i) the insured has taken all measures to prevent total theft (replaced keys/ignition devices/remote controls, costs covered by OMNIASIG per policy); and (ii) a new risk inspection is performed at OMNIASIG's request. In general, the insured must not keep the vehicle registration certificate or identity card or any key/ignition device/remote control inside the vehicle.

claim_notification_deadline

The policyholder must notify OMNIASIG as soon as possible, but no later than 48 hours from the moment they knew or should have known about the occurrence of the insured event, by calling the dedicated claims call center or online at www.omniasig.ro. The policyholder must also immediately notify police/fire brigade if legally required (including for vandalism, theft). All claim documents must be submitted within a maximum of 90 days from the date of event notification. Failure to notify within the deadline can result in claim rejection if OMNIASIG could not determine the cause of the event and the notification was made within the insurance period; if notification was outside the insurance period, rejection applies unless an official police/authority document or amicable accident report is provided.

deductible_rules

A deductible (franșiză deductibilă) is applied per insured event and is deducted from the damage amount. Deductible amounts and types (fixed value, percentage of insured sum, or percentage of damage) are specified in the individual policy document (Specificație). A supplementary deductible of 25% of the damage value applies if the vehicle was driven by a person other than the insured (natural person) aged 25 years or under, unless agreed otherwise. This supplementary deductible can be waived via clause 03.01.01.E.010.0.D (additional premium). Deductible for the RCA regression clause (03.01.01.E.009.0.E): if the at-fault driver has a valid RCA policy and the insured opts for repair at authorized workshops, no deductible is applied if full or partial recovery from the at-fault driver's RCA is possible.

Road assistance

Roadside assistance service available for eligible vehicles up to 10 years old, including towing, repair, passenger transport and accommodation

Additional equipment coverage

Coverage for additional equipment mounted on the vehicle (audio-video systems, alarm systems, wheels, decals) up to 10% of the insured sum or max 1,000 EUR

RCA regression (optional)

Optional coverage allowing policyholder to claim compensation from the RCA insurer of the at-fault driver in case of accident caused by another vehicle owner

Optional coverage - vehicle driven by third party

Optional coverage for damage to vehicle when driven by another person with policyholder consent

Optional coverage - vandalism

Optional coverage for intentional damage to vehicle by third parties

Optional coverage - off-road damage

Optional coverage for vehicle damage occurring outside public roads

Vehicle age eligibility

CASCO Standard is available for registered or registered vehicles in Romania. Road assistance is limited to vehicles maximum 10 years old

Authorized repair network

Extensive national network of OMNIASIG partner service centers where repairs can be performed with quality assurance and direct payment processing

Driver age requirement

For personal use vehicles: coverage is valid when vehicle driven by persons over 25 years old. Additional conditions may apply for younger drivers

Excluded vehicle uses

CASCO coverage does not apply when vehicle is used for: taxi services, car rental, security/protection services, driving schools, or testing/competition activities

Deductible application

CASCO coverage includes deductibles (franchise) for certain covered events which represent the portion of damage borne by policyholder

Claims notification deadline

Policyholder must notify insurer within maximum 15 days from becoming aware of the loss, though immediate notification is recommended for emergency roadside assistance

Damage assessment and claims handling

OMNIASIG reserves right to conduct investigations, expertise, and damage assessments. Modern video-based risk inspection and damage claims are available for rapid processing

Premium payment options

CASCO Standard premium can be paid in full or in up to 4 installments (maxim 4 rate)