UNICASCO Casco (own-damage car insurance) (Unicasco)
Underwritten by UNIQA Asigurări S.A. · Romania
casco (own-damage car insurance) from UNICASCO for the Romania market, with online purchase and 24/7 assistance.
Last verified Aug 12, 2026Sources
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 most EU member states (not Cyprus or Malta), the UK, Turkey, Ukraine, and Moldova.
Digital claims notification via AI assistant ANA, enabling a simplified and paperless damage reporting process.
Online purchase and policy management available through MyUNIQA client portal.
Coverage limits
Own vehicle damage (collision, impact, overturning, scratching)
unlimited
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.
Section: Ce se asigură?
avarii ca urmare a ciocnirii, lovirii sau izbirii cu alte autovehicule sau orice alte corpuri mobile sau imobile, inclusiv animale; suprafețe vitrate; zgârieri accidentale, derapări, răsturnări sau căderi (în apă, în prăpastie etc.)
Total loss
unlimited
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.
Section: Ce se asigură?
Sumele asigurate – sunt menționate în Poliţa de asigurare şi reprezintă valoarea reală a bunurilor asigurate (autovehicul, aparate, echipamente, dotări montate etc).
Partial loss / partial damage
unlimited
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.
Section: Ce nu se asigură?
Pagube produse acelor părţi componente ale autovehiculului care erau avariate la încheierea asigurării sau repunerii în vigoare - menţionate în raportul inspecţiei de risc
Theft and damages from attempted theft / key loss or theft
unlimited
Covers vehicle theft and damage resulting from attempted theft. Also includes coverage for loss or theft of keys as part of the base package.
Section: Ce se asigură?
furt și daune produse ca urmare a tentativei de furt; revolte, greve, tulburări civile, pierderea sau furtul cheilor
Glass / glazed surfaces damage
unlimited
Coverage for damage to glazed surfaces (windshield, windows, etc.) included in the base CASCO package.
Section: Ce se asigură?
suprafețe vitrate; zgârieri accidentale, derapări, răsturnări sau căderi (în apă, în prăpastie etc.)
Natural perils (storms, hail, snow weight, earthquake, collapse, landslide)
unlimited
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.
Section: Ce se asigură?
Pachetul CASCO: evenimente naturale; incendiu; explozie; lovirea autovehiculului de către obiecte ca urmare a fenomenelor naturale (furtună, uragan, greutatea stratului de zăpadă, cutremur, prăbușiri sau alunecări de teren)
Vandalism and civil unrest (riots, strikes)
unlimited
Covers intentional damage to the vehicle (vandalism) as well as damage caused by riots, strikes, and civil disturbances. Included in the base CASCO package.
Section: Ce se asigură?
vandalism; furt și daune produse ca urmare a tentativei de furt; revolte, greve, tulburări civile
Free roadside assistance (asistență rutieră gratuită)
unlimited
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.
Section: Ce se asigură?
Asistență rutieră gratuită pentru autovehicule cu masa maximă autorizată de până la 3.500 kg şi/sau maxim 9 locuri și cu excepția autovehiculelor utilizate pentru curierat, transport marfă, transportul de persoane contra unei taxe, ca de exemplu: taxi, maxitaxi, închiriere (rent-a-car), şcoli de șoferi etc
Replacement vehicle
No limit stated
No replacement vehicle coverage is 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.
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 notify UNIQA in writing of an insured event as soon as possible and no later than 48 hours from when they knew or should have known of it (General Conditions, clause 9.2.3). Changes to risk conditions must separately be notified in writing within 2 business days of becoming aware of them (clause 9.1.2).
SourceClause 9.2.3Page 6Section: 9. OBLIGAŢIILE PĂRŢILOR > 9.2. În cazul producerii evenimentului asigurat, Contractantul/Asiguratul are următoarele obligaţii
Să avizeze în scris Asigurătorul despre producerea evenimentului asigurat, cât mai curând posibil, dar nu mai târziu de 48 de ore de la momentul când a cunoscut sau trebuia să fi cunoscut despre producerea evenimentului asigurat
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.
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.).
Territorial scope
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.
Documents
IPID – Insurance Product Information Document (UNICASCO) (opens in a new tab)
Product information sheet · PDF
IPID – Insurance Product Information Document (UNICASCO) via Marsh (opens in a new tab)
Product information sheet · PDF
General Insurance Conditions – UNIQA (2025 version) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Natural disasters
Coverage for vehicle damage caused by natural phenomena including storms, hail, snow weight, earthquakes, collapses or landslides
SourceSection: Asigurarea auto UNICASCO
Lovirea autovehiculului de către obiecte ca urmare a fenomenelor naturale (furtună, uragan, greutatea stratului de zăpadă, cutremur, prăbușiri sau alunecări de teren)
Collision damage
Coverage for damage from collision, impact or striking with other vehicles or fixed/mobile objects, including animals
SourceSection: Asigurarea auto UNICASCO
Avarii ca urmare a ciocnirii, lovirii sau izbirii cu alte autovehicule sau orice alte corpuri mobile sau imobile, inclusiv animale
Theft and attempted theft
Coverage for vehicle theft and damage resulting from attempted theft
SourceSection: Asigurarea auto UNICASCO
Furt și daune produse ca urmare a tentativei de furt
Fire and explosion
Coverage for vehicle damage caused by fire or explosion
SourceSection: Asigurarea auto UNICASCO
Incendiu Explozie
Glass and windshield coverage
Coverage for damage to glazed surfaces (windshield, windows), included in the base CASCO package.
SourcePage 1Section: Ce se asigură?
Suprafețe vitrate
Riots, strikes and civil unrest
Coverage for vehicle damage caused by riots, strikes or civil disturbances
SourceSection: Asigurarea auto UNICASCO
Revolte, greve, tulburări civile
Rim and tire insurance
Optional supplementary clause for coverage of wheels and tires
SourceSection: Asigurarea auto UNICASCO
Asigurarea jantelor și anvelopelor
Partial damage payment without VAT
Optional supplementary clause allowing partial damage payment without VAT (valid only for legal entities)
SourceSection: Asigurarea auto UNICASCO
Plata daunelor parţiale fără TVA (această clauză este valabilă doar pentru persoane juridice)
Geographic validity
Insurance is valid in 42 European countries/territories including all EU members, UK, Turkey, and others
SourcePage 2Section: Unde beneficiez de asigurare?
Asigurarea este valabilă pe teritoriul următoarelor țări din Europa: Albania, Andorra, Austria, Belgia, Bosnia și Herțegovina, Bulgaria, Cehia, Croația, Danemarca, Elveția, Estonia, Finlanda, Franța, Germania, Grecia, Irlanda, Islanda, Italia, Letonia, Liechtenstein, Lituania, Luxemburg, Macedonia, Marea Britanie, Republica Moldova, Monaco, Muntenegru, Norvegia, Olanda, Polonia, Portugalia, România, San Marino, Serbia, Slovacia, Slovenia, Spania, Suedia, Turcia, Ucraina, Ungaria, Vatican.
Regulatory authorization
UNIQA Asigurări S.A. is authorized by the Financial Supervisory Authority (A.S.F., formerly Commission de Surveillance des Assurances)
SourcePage 1Societate: UNIQA Asigurări S.A, România, societate de asigurări autorizată de Comisia de Supraveghere a Asigurărilor (actuala A.S.F.) prin Decizia de Autorizare nr. 8 din 23.10.2001
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 [email protected].
SourcePage 2Section: Cum pot să reziliez contractul?
Prin transmiterea unei notificări de denunțare unilaterală către Asigurător, cu respectarea unui termen de preaviz de cel puţin 20 de zile calculate de la data primirii notificării de către acesta. Notificarea se poate transmite prin poșta sau curier la adresa sediului social al Asigurătorului, situat pe str. Nicolae Caramfil nr. 25, parter, etaje 2-4, sector 1, București, sau scanată prin intermediul poștei electronice, la adresa de e-mail [email protected].
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.
SourcePage 2Section: Când și cum plătesc?
Asiguratul poate plăti ratele de primă scadente, următoare ratei întâi, în perioada de graţie de 15 zile calendaristice de la data scadenţei prevăzută în Poliţa de asigurare, perioadă în care autovehiculul rămâne sub protecţia asigurării.
Sources
- uniqa.rohttps://www.uniqa.ro/persoane-fizice/auto/asigurarea-auto-unicasco(opens in a new tab)
- uniqa.rohttps://www.uniqa.ro/sites/default/files/2021-12/IPID.pdf#page=1(opens in a new tab)
- uniqa.rohttps://www.uniqa.ro/sites/default/files/2021-12/IPID.pdf#page=2(opens in a new tab)
- uniqa.rohttps://www.uniqa.ro/sites/default/files/2025-01/Conditia_generala_de_asigurare_2025.pdf#page=6(opens in a new tab)
UNICASCO Casco (own-damage car insurance)