OMNIASIG Casco (own-damage car insurance) (Casco Standard)
Underwritten by OMNIASIG Vienna Insurance Group S.A. · Romania
casco (own-damage car insurance) from OMNIASIG for the Romania market, with online purchase and 24/7 assistance.
Verified Aug 12, 2026 · Terms dated 2025-06-01Sources
Unique selling points
Comprehensive pan-European territorial coverage across 44 countries including Turkey and Israel, with automatic extension to all Green Card countries (except Russia/Belarus) when MTPL also purchased at OMNIASIG — at no additional premium.
Insured sum not reduced after partial loss payments — the full sum insured remains available throughout the policy period without reinstatement requirements.
Supplementary equipment (audio-video, alarm systems, rims etc.) existing at policy inception automatically covered within 10% sublimit (max 1,000 EUR) without additional premium or explicit declaration.
Optional roadside assistance available in three tiers (SILVER/GOLD/VIP) with 24/7 service across Europe, Turkey and Israel, including hotel accommodation, passenger transport and temporary vehicle replacement options for Gold and VIP subscribers.
Extensive nationwide partner service network (Lista Parteneri / Lista Parteneri Extinsă) with direct settlement between OMNIASIG and repair shops, plus 24/7 claims helpline (021-9669) for immediate damage notification and tracking.
Coverage limits
Own Damage (Collision and Accidental Damage)
100% of insured sum
Covers damage caused directly by: collisions and scratches with other vehicles, mobile or immobile objects, persons or animals/birds; falling of the vehicle (into water, into ravine etc.), skidding and overturning; falling of objects onto the vehicle (trees, blocks of ice or snow, boulders etc.); pipe bursting; action of chemical or corrosive substances from outside the vehicle; weight of snow or ice layer. Coverage up to the insured sum stated in the policy. Total loss threshold: repair/replacement costs exceeding 70% of the insured sum of the vehicle plus market value of declared supplementary equipment at the date of the insured event.
Section: 6. RISCURILE ŞI COSTURILE/ CHELTUIELILE ACOPERITE > 6.1. Riscuri acoperite
coliziuni, zgârieri cu alte vehicule, corpuri / bunuri mobile sau imobile, persoane sau animale / păsări; căderea autovehiculului (în apă, în prăpastie etc.), derapări şi răsturnări; căderea pe autovehicul a unor corpuri (copaci, blocuri de gheaţă sau de zăpadă, bolovani etc.)
Total Loss
100% of insured sum
Vehicle declared a total loss when repair/replacement/reconditioning costs (including transport of damaged vehicle and damage limitation measures) exceed 70% of the insured sum of the vehicle and the market value of declared supplementary equipment at the date of the insured event. Compensation equals the insured sum of the vehicle and market value of declared supplementary equipment minus the wreck value. Wreck value is assessed via online auction within 10 working days (max 25% of insured sum if no offers). Policy ceases upon total loss settlement.
Section: 2. DEFINIŢII ŞI INTERPRETĂRI
costurile / cheltuielile acestor operaţiuni, inclusiv cele aferente transportului autovehiculului avariat, măsurilor de limitare a daunei (dacă este cazul) depăşesc 70% din suma asigurată a autovehiculului şi valoarea de piață a echipamentelor suplimentare declarate în Poliță, stabilită la data producerii evenimentului asigurat.
Partial Loss
100% of insured sum
Covers repair and/or replacement costs of damaged/missing parts according to technical assessment, including material and labour costs, plus transport costs within the sublimit stated in the policy and damage limitation costs. Cost determined based on partner repair unit invoices (Lista Parteneri / Lista Parteneri Extinsă) or OMNIASIG specialized evaluation systems. Insured sum not reduced after partial loss payment. 25% additional deductible applies when vehicle driven by person under 25 years (unless waived by clause E.010).
Section: 12. CONSTATAREA ŞI EVALUAREA DAUNELOR; STABILIREA ŞI PLATA DESPĂGUBIRILOR
costul reparaţiei şi/sau înlocuirii părţilor componente avariate / lipsă potrivit soluţiilor tehnice stabilite prin nota de constatare, inclusiv costurile pentru materiale şi manoperă, la care se adaugă costurile / cheltuielile de transport în sublimita stabilită în Poliţă şi/sau de limitare a daunei
Theft and Robbery
100% of insured sum
Optional coverage via additional clause 03.01.01.E.007.0.F. Covers: total or partial theft or attempted theft including robbery; damage caused to the vehicle as a result of theft, attempted theft or robbery acts. Also covers costs for replacing keys/starting devices/remote controls and locking system (up to 10% of vehicle insured sum, max 500 EUR) in case of loss or theft of keys. Coverage does not apply in Kosovo and Republic of Moldova. Additional premium required. Total theft compensation paid earliest 60 calendar days after notification to OMNIASIG and only if police confirms criminal investigation or vehicle not found.
Section: Acoperire suplimentară pentru riscul de furt > 4. RISCURILE ŞI COSTURILE / CHELTUIELILE ACOPERITE
prin furt (total sau parţial) sau tentativă de furt, inclusiv prin acte de tâlhărie; furtul parţial din interiorul autovehiculului este acoperit numai dacă s-a produs prin efracţie.
Exclusive Glass Damage
Optional
Optional coverage via additional clause 03.01.01.E.008.0.D. Covers damage exclusively to glazed elements (windshield, rear window, side windows, glass roof/sunroof, mirrors, optical/lighting/signalling elements: headlights, stoplights, indicators, projectors, position lights etc.) as a result of covered risks, including when caused by unknown perpetrators. By default, under general conditions, exclusive glass damage without concurrent damage to other vehicle components is excluded. Additional premium required.
Section: Acoperire suplimentară pentru avarii produse în exclusivitate elementelor vitrate > 3. RISCURILE ŞI COSTURILE/CHELTUIELILE ACOPERITE
acordă despăgubiri, în limita sumelor asigurate precizate în Poliţă, pentru avarii produse în exclusivitate la elementele vitrate, ca urmare a unor riscuri acoperite, inclusiv în situaţiile în care acestea sunt produse de către autori necunoscuţi.
Natural Perils
100% of insured sum
Included in base coverage. Covers damage caused directly or indirectly by: hail, flood (from torrential rain, water overflow), storm, hurricane, typhoon, cyclone, tornado, earthquake, landslide, avalanche, torrential rain; weight of snow or ice layer. Each category of natural event treated as single insured event within defined consecutive-hour intervals: flood 504h, earthquake/landslide/avalanche/snow weight 168h, storm/hurricane/typhoon/cyclone 96h, hail/torrential rain/tornado 72h.
Section: 6. RISCURILE ŞI COSTURILE/ CHELTUIELILE ACOPERITE > 6.1. Riscuri acoperite
grindină, inundaţie (din cauza ploilor torențiale, revărsării apelor), furtună, uragan, taifun, ciclon, tornadă, cutremur de pământ, prăbuşire sau alunecare de teren, avalanşe de zăpadă, ploaie torenţială
Vandalism and Damage by Unknown Authors
100% of insured sum
Optional coverage via additional clause 03.01.01.E.001.4.D. Covers: (i) damage by unknown perpetrators (except theft-related); (ii) damage through acts of vandalism (intentional destruction by persons without intent to appropriate); (iii) damage by action of animals, birds, rodents or other pests (gnawing, biting, tearing, scratching, or entry/stationing in engine compartment); (iv) damage exclusively to tyres (not worn beyond legal limit) and/or rims. For exclusive tyre/rim damage, compensation capped at replacement of 4 tyres and/or 4 rims per insurance period/year. Additional premium required.
Section: Acoperire suplimentară pentru avarii produse de autori necunoscuţi, vandalism, acţiunea animalelor şi avarii produse în exclusivitate la anvelope şi/sau jante > 2. RISCURILE ŞI COSTURILE / CHELTUIELILE ACOPERITE
Avarii produse de autori necunoscuţi, cu excepţia celor generate de riscul de furt acoperit prin Poliţă; Avarii produse prin acte de vandalism; Avarii produse de acţiunea animalelor, păsărilor, rozătoarelor sau altor dăunători
Roadside Assistance (Silver/Gold/VIP)
Optional
Optional add-on via clause 03.01.01.E.021.0.G (3 tiers: SILVER, GOLD, VIP). Available for passenger cars up to 10 years old, not used for taxi, rent-a-car, alternative transport (Uber/Bolt), security or driving school. Services provided 24/7, 365 days/year across geographic Europe, Turkey and Israel. Services by tier: (1) On-site assistance (depanare): SILVER/GOLD/VIP — unlimited access, 1 hour labour costs/event. (2) Towing: SILVER — 2 events/period, 75km/direction/event; GOLD/VIP — unlimited towing. EV high-voltage battery towing: VIP only — 100km/direction/event. (3) If repair >50km from home and cannot be done same day or exceeds 8h: (a) Passenger transport: SILVER 200 EUR/vehicle/period; GOLD 500 EUR/vehicle/period; VIP 1,000 EUR/vehicle/period. (b) Hotel accommodation: SILVER 60 EUR/person/night/event; GOLD 80 EUR/person/night/event; VIP 120 EUR/person/night/event (max 2 nights). (c) Taxi: SILVER 20 EUR/event/Romania and 40 EUR/event/abroad; GOLD 40/80 EUR; VIP 60/120 EUR. (d) Temporary vehicle replacement (GOLD/VIP only): GOLD 30 EUR/day/event Romania and 60 EUR/day/event abroad (max 2 calendar days); VIP 50/100 EUR (max 5 calendar days). Costs for fuel, EV charging cost, spare parts, road tolls, parking and rental vehicle insurance excluded.
Section: CLAUZĂ ADIŢIONALĂ Acoperire suplimentară pentru asistenţă rutieră > 3. CONDIŢII DE ELIGIBILITATE
sunt din categoria autoturisme; au vechimea de maximum 10 ani la data intrării în asigurare; nu sunt utilizate / folosite în scopul desfășurării activităților de transport persoane în regim taxi, închiriere (rent-a-car), transport alternativ (Uber, Bolt etc.), pază și protecție sau școli de șoferi.
Temporary Vehicle Replacement
€30 – €50
Available only within roadside assistance add-on at GOLD and VIP tiers, when repair occurs in a location more than 50km from the insured's home/residence/registered office and cannot be completed the same day or exceeds 8 hours. A rental vehicle of the same category is provided. GOLD: 30 EUR/day/event in Romania and 60 EUR/day/event abroad, maximum 2 calendar days. VIP: 50 EUR/day/event in Romania and 100 EUR/day/event abroad, maximum 5 calendar days. Rental vehicle insurance costs are excluded. Available in case of repair, theft or total loss.
Section: CLAUZĂ ADIŢIONALĂ Acoperire suplimentară pentru asistenţă rutieră > 5.2 Servicii de asistenţă
30 EUR / zi / eveniment / România și 60 EUR / zi / eveniment / străinătate Maxim 2 zile calendaristice ... 50 EUR / zi / eveniment / România și 100 EUR / zi / eveniment / străinătate Maxim 5 zile calendaristice
Key conditions
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.
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.
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: report the theft to the police as soon as possible; submit the originals of the registration certificate, car identity book and all keys/starting devices to OMNIASIG within 2 working days (5 working days for events abroad).
SourceClause Art. 7.1.2(i)Page 2Section: Acoperire suplimentară pentru riscul de furt > 7. OBLIGAŢIILE ASIGURATULUI > 7.1.2. În cazul producerii sau apariţiei oricărui eveniment asigurat
Să declare evenimentul la poliție în cel mai scurt timp de la momentul producerii / luării la cunoştinţă a furtului autovehiculului; − să depună la OMNIASIG VIENNA INSURANCE GROUP, în termen maxim de 2 zile lucrătoare, respectiv 5 zile lucrătoare pentru evenimentele din străinătate de la momentul producerii / luării la cunoştinţă a furtului autovehiculului originalul certificatului de înmatriculare sau înregistrare, autorizaţiei provizorii de circulaţie şi al cărţii de identitate
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.
Direct payment
Claims settlement is made directly by the assistance company to the insured when the insured provides the required information and the policy is valid. For repairs at partner service units, OMNIASIG settles directly with the repair shop. For non-partner units, payment is made to the insured/beneficiary. Indemnification is paid within maximum 15 calendar days from receipt of the complete claim file.
Territorial scope
Geographic Europe (listed states), Turkey (both European and Asian parts), Israel. Extended to remaining Green Card countries when MTPL also purchased at OMNIASIG.
Documents
Policy specifics
Supplementary Equipment Coverage
Coverage for additional equipment installed on the vehicle at the time of insurance inclusion
SourceClause Art. 8.2Page 8Section: 8. SUMA ASIGURATĂ
Echipamentele suplimentare existente pe autovehicul la momentul includerii în asigurare sunt acoperite în cadrul sublimitei de 10% din suma asigurată a autovehiculului, dar nu mai mult de 1.000 EUR, fără încasarea unei prime de asigurare suplimentare
Off-Road Damage Coverage
Optional additional coverage for vehicle damage resulting from driving outside public roads
SourceSection: CASCO Standard > Descoperă mai multe despre asigurarea CASCO Standard
poți alege și alte acoperiri suplimentare, precum avarierea mașinii în cazul circulației în afara drumurilor publice, avarierea mașinii în cazul în care este condusă de altă persoană, vandalismul sau avarierea produsă de animale.
Vandalism Coverage
Optional additional coverage for damage caused by intentional destruction or damage by person(s) without intent of theft
SourceSection: CASCO Standard > Descoperă mai multe despre asigurarea CASCO Standard
poți alege și alte acoperiri suplimentare, precum avarierea mașinii în cazul circulației în afara drumurilor publice, avarierea mașinii în cazul în care este condusă de altă persoană, vandalismul sau avarierea produsă de animale.
Animal Damage Coverage
Optional additional coverage for vehicle damage caused by animals
SourceSection: CASCO Standard > Descoperă mai multe despre asigurarea CASCO Standard
poți alege și alte acoperiri suplimentare, precum avarierea mașinii în cazul circulației în afara drumurilor publice, avarierea mașinii în cazul în care este condusă de altă persoană, vandalismul sau avarierea produsă de animale.
RCA Regress Coverage
Optional facility allowing recovery of damages when the other identified driver is at fault and holds valid RCA insurance
SourceSection: CASCO Standard > Descoperă mai multe despre asigurarea CASCO Standard
De asemenea, poți opta și pentru regres RCA (o facilitate pusă la dispoziția ta atunci când vinovat de producerea unui accident este conducătorul unui alt autovehicul ce are o asigurare de Răspundere Civilă Auto valabilă).
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
SourceThird-party source, not the insurer's documentSection: CASCO la Omniasig – Standard sau ECOnom, prețuri comparate > Cum cumperi CASCO Omniasig online – pașii necesari
Inspecția vehiculului este necesară înainte de emiterea poliței, fie fizic la un punct Omniasig, fie online prin fotografii.
Periodic Technical Inspection
Insured must perform mandatory periodic technical inspection of the insured vehicle at legally established intervals
SourcePage 2Section: Ce obligaţii am?
Să efectuați inspecţia tehnică periodică a autovehiculului asigurat la termenele stabilite de lege;
Immediate Incident Notification
Insured must immediately notify Omniasig of any insured event and take all reasonable measures to limit damage
SourceSection: OMNIASIG Homepage > Daune > Notifică daună
021-9669 Din străinătate, poți accesa serviciile OMNIASIG la numărul: +40-21-777-9669
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
SourceThird-party source, not the insurer's documentSection: CASCO la Omniasig – Standard sau ECOnom, prețuri comparate > Daune CASCO Omniasig – cum funcționeaza despagubirea
Omniasig procesează daunele CASCO într-un termen mediu de 5-7 zile lucrătoare de la depunerea dosarului complet.
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
SourceSection: CASCO Standard > Descoperă mai multe despre asigurarea CASCO Standard
ai acces la o listă extinsă la nivel național de SERVICE-URI AUTO PARTENERE OMNIASIG , în care beneficiezi de siguranța și promptitudinea reparațiilor, precum și de servicii de calitate.
Total Loss Threshold
Vehicle declared total loss when repair/replacement/reconditioning costs (including transport of the damaged vehicle and damage limitation measures, where applicable) exceed 70% of the insured sum of the vehicle and the market value of declared supplementary equipment, established at the date of the insured event.
SourceClause Art. 2.5Page 1Section: 2. DEFINIŢII ŞI INTERPRETĂRI
costurile / cheltuielile acestor operaţiuni, inclusiv cele aferente transportului autovehiculului avariat, măsurilor de limitare a daunei (dacă este cazul) depăşesc 70% din suma asigurată a autovehiculului şi valoarea de piață a echipamentelor suplimentare declarate în Poliță, stabilită la data producerii evenimentului asigurat.
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
SourceClause 12.17indiferent de valuta în care s-a plătit prima de asigurare (Lei sau valută), orice transformare de curs de schimb valutar se va face la cursul de referinţă BNR din ziua producerii evenimentului asigurat (inclusiv pentru franşiză).
Sources
- aifacturi.rohttps://aifacturi.ro/roboti/documente/Casco/Omniasig/CG_W.pdf#page=8(opens in a new tab)
- omniasig.rohttps://omniasig.ro/ro/persoane-fizice/asigurari/auto/casco-standard(opens in a new tab)
- pdfcoffee.comhttps://pdfcoffee.com/conditii-casco-omniasig-1-pdf-free.html(opens in a new tab)
- pret-asigurare.rohttps://pret-asigurare.ro/casco/omniasig/(opens in a new tab)
- omniasig.rohttps://www.omniasig.ro/ro(opens in a new tab)
- omniasig.rohttps://www.omniasig.ro/sites/default/files/2023-02/PID_C_CASCO.pdf#page=2(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=1(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=14(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=21(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=24(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=25(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=27(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=31(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=34(opens in a new tab)
- porschefinance.rohttps://www.porschefinance.ro/files/romania/Conditii-de-asigurare/Conditii_Omniasig-conditia_X_01.06.2025.pdf#page=4(opens in a new tab)
OMNIASIG Casco (own-damage car insurance)