UNIQA Asigurari S.A.
UNICASCO
UNICASCO is a motor casco insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Claims are settled via UNIQA's partner repair network. Repair outside the partner network requires a specific optional clause. The insured sum stated in the policy represents the actual value of the insured assets (vehicle, installed equipment, etc.).
Geographic scope
Europe (42 countries/territories)
Valid in 42 European countries: Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Croatia, Denmark, Switzerland, Estonia, Finland, France, Germany, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, United Kingdom, Republic of Moldova, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Turkey, Ukraine, Hungary, Vatican.
Unique selling points
- Comprehensive base package covering 12+ perils including natural events, fire, explosion, collision, theft, vandalism, riots, glass damage, and key loss/theft — all included without extra clauses.
- Free 24/7 roadside assistance included as standard for vehicles up to 3,500 kg and up to 9 seats, with a non-stop call center reachable at 0374.400.400.
- Pan-European territorial coverage valid across 42 countries, including all EU member states, UK, Turkey, Ukraine, and Moldova.
- Digital claims notification via AI assistant ANA, enabling a simplified and paperless damage reporting process — a first for the Romanian insurance market.
- Online purchase and policy management available through MyUNIQA client portal, with instant policy issuance and online payment (including instalments).
Coverage limits
Own vehicle damage (collision, impact, overturning, scratching)
Covered
Covers damage from collision, impact or striking with other vehicles or any fixed/mobile objects including animals; accidental scratches, skids, overturning or falls (into water, into chasms, etc.). Insured sum equals the actual value of the vehicle as stated in the policy.
Total loss
Covered
Total loss is covered as part of the base CASCO package up to the actual insured value of the vehicle stated in the policy. Covered perils include natural events, fire, explosion, collision, theft, and other insured risks.
Partial loss / partial damage
Covered
Partial damage to the insured vehicle is covered under the base CASCO package up to the actual insured value. Damage to pre-existing impaired parts (noted in the risk inspection report prior to policy start) is not covered.
Theft and damages from attempted theft / key loss or theft
Covered
Covers vehicle theft and damage resulting from attempted theft. Also includes coverage for loss or theft of keys as part of the base package.
Glass / glazed surfaces damage
Covered
Coverage for damage to glazed surfaces (windshield, windows, etc.) included in the base CASCO package.
Natural perils (storms, hail, snow weight, earthquake, collapse, landslide)
Covered
Covers natural events including storms, hurricanes, snow weight, earthquakes, collapses or landslides, as well as objects striking the vehicle as a consequence of natural phenomena. Included in the base CASCO package.
Vandalism and civil unrest (riots, strikes)
Covered
Covers intentional damage to the vehicle (vandalism) as well as damage caused by riots, strikes, and civil disturbances. Included in the base CASCO package.
Free roadside assistance (asistență rutieră gratuită)
Conditional
Free roadside assistance included for vehicles with maximum authorized mass up to 3,500 kg and/or maximum 9 seats. Excluded for vehicles used for courier, freight transport, paid passenger transport (e.g. taxi, maxi-taxi, rent-a-car, driving schools, etc.). 24/7 call center available at 0374.400.400.
Replacement vehicle
Not offered
No replacement vehicle coverage is mentioned in the base CASCO package or optional clauses described in the official IPID and product page sources.
Driver accident insurance
Not offered
Driver personal accident coverage is not mentioned in the base CASCO package or optional clauses described in the official IPID and product page sources.
Key conditions
Driver age and experience limit
No specific driver age or experience limits are stated in the IPID documents. The policy applies to the insured vehicle and any person driving it (including the insured's employees), subject to the same obligations as the insured.
Repair network requirements
Repairs are normally carried out through UNIQA's partner repair network. An optional supplementary clause is available for repairs outside the partner network ("Clauza de asigurare privind reparațiile în afara rețelei de unități reparatoare partenere"). A further optional clause covers repairs exclusively at authorized brand dealerships in Romania.
Territorial scope
Coverage is valid in 42 European countries: Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Croatia, Denmark, Switzerland, Estonia, Finland, France, Germany, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, United Kingdom, Republic of Moldova, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Turkey, Ukraine, Hungary, Vatican.
Anti-theft requirements
No specific anti-theft device requirements are stated in the IPID documents. However, the insured is obliged to maintain and use the vehicle as a prudent owner and to take all reasonable measures to prevent insured events.
Claim notification deadline
The insured must communicate in writing any changes to risk conditions within 2 business days of becoming aware of them (e.g. change of vehicle use to taxi, rent-a-car, courier, etc.). Specific claim notification deadlines are set out in the full General and Special Insurance Conditions.
Deductible rules
Specific deductible amounts are not stated in the IPID documents; deductibles are determined individually per the insurance contract. The insured sum stated in the policy represents the actual value of insured assets. Rim and tire damage without a concurrent insured event affecting the bodywork or other vehicle components is excluded unless the optional rim/tire clause is purchased.
Where to buy
Policy specifics
Natural disasters
Coverage for vehicle damage caused by natural phenomena including storms, hail, snow weight, earthquakes, collapses or landslides
Collision damage
Coverage for damage from collision, impact or striking with other vehicles or fixed/mobile objects, including animals
Theft and attempted theft
Coverage for vehicle theft and damage resulting from attempted theft
Fire and explosion
Coverage for vehicle damage caused by fire or explosion
Glass and windshield coverage
Coverage for accidental scratches, slips, overturning or falls (into water, chasms, etc.)
Riots, strikes and civil unrest
Coverage for vehicle damage caused by riots, strikes or civil disturbances
Rim and tire insurance
Optional supplementary clause for coverage of wheels and tires
Partial damage payment without VAT
Optional supplementary clause allowing partial damage payment without VAT (valid only for legal entities)
Geographic validity
Insurance is valid in 42 European countries/territories including all EU members, UK, Turkey, and others
Regulatory authorization
UNIQA Asigurări S.A. is authorized by the Financial Supervisory Authority (A.S.F., formerly Commission de Surveillance des Assurances)
Cancellation / termination notice period
The insured may terminate the contract unilaterally by sending a written notice to the insurer with a minimum notice period of 20 days from the date of receipt by the insurer. Notice may be sent by post, courier or scanned email to info@uniqa.ro.
Premium payment grace period
The insured may pay subsequent premium instalments (after the first) within a 15-calendar-day grace period from the due date stated in the policy, during which the vehicle remains covered.