UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu

Driver age and experience limit

The general terms do not specify a minimum driver age or years of experience; they only require that the vehicle not be entrusted to a person without a valid driving licence

Repair network requirements

The insurer recommends repair at its contracted service network (lower/no deductible applies there); claims can also be settled using the AUDATEX assessment system, and active satellite monitoring devices are only recognised if provided by Secar Bratislava or Setech Bratislava

Territorial scope

Coverage applies to insured events occurring on the territory stated in the insurance contract, either the Slovak Republic only or the geographic territory of Europe

Anti-theft requirements

Theft cover requires specific anti-theft equipment depending on insured value: up to 22,999.99 EUR an immobiliser or fixed mechanical device is required; from 23,000 to 66,999.99 EUR an immobiliser plus rolling-code electronic system or mechanical device; from 67,000 EUR an immobiliser, electronic/mechanical device plus an accepted satellite monitoring system

Claim notification deadline

The insured must notify the insurer of an event that could give rise to a claim immediately, and no later than the next working day after discovering it

Deductible rules

The deductible amount is stated in the contract and is deducted from each individual claim payment; it does not apply where the full loss is recovered from the party who caused it, and no indemnity is paid where the loss is below the agreed minimum deductible

GAP Insurance (Financial Loss Protection)

Optional supplementary coverage for CASCO that protects against financial loss in case of total loss or theft by covering the difference between the vehicle purchase price and its actual market value at time of total loss or theft

Glass Coverage

Coverage for damage or destruction of all vehicle windows including roof windows

Personal Effects Coverage

Coverage for items transported in the vehicle during an insured event

Natural Hazards Coverage

Coverage for damage caused by natural disasters including fire, explosion, flooding, snow, lightning strike, windstorm, landslide, and hail

Animal Strike Coverage

Coverage for collision with animals or damage caused by animals to the vehicle

Theft and Robbery Coverage

Coverage for vehicle theft and robbery as defined under criminal law

Tiered Coverage Packages

CASCO is offered in three distinct package tiers: MINI (basic), PLUS (standard), and EXTRA (comprehensive), each with different coverage scopes and benefits

Bonus-Malus System

Premium discounts (bonus) or surcharges (malus) applied based on claims history; bonuses range from class B00-B09 (discounts up to 50%), maluses from M01-M02 (surcharges) determined by loss history in the preceding insurance period

24/7 Assistance Services

Standard non-premium assistance services included with every CASCO policy, such as vehicle towing, lock-out assistance, wrong fuel assistance, and transport to preferred repair shop

Total Loss Threshold

Vehicle is classified as total loss when repair costs exceed 90% of the vehicle's general market value at the date of the loss event

Authorized Repair Networks

CASCO recognizes authorized repair shops including AUDATEX network assessment, and specific partner networks (Secar Bratislava, Setech Bratislava) for active anti-theft system evaluation

Vehicle Age and Weight Eligibility

CASCO coverage is available for personal vehicles and light utility vehicles up to 3.5 tonnes gross weight; coverage terms may vary based on vehicle age and type

Claims Settlement Timeline

Insurance indemnification must be paid within a defined period following completion of required investigation and documentation verification