Casco (own-damage car insurance) — Slovenia

[1] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by traffic accidents, sliding off the road, falling objects, collision with an unknown vehicle while parked, and other unforeseen events. Available only under the Max package; not included in Comfort, Plus or Extra.

Krijemo škodo na predmetu zavarovanja ter na delih in opremi predmeta zavarovanja, ki je nastala kot posledica nepredvidljivih in nepričakovanih dogodkov:

[2] Total loss: 100% of insured sum ↩

In case of total loss (destruction or theft), indemnity is based on the market value of the insured vehicle immediately before the loss (new purchase price less depreciation), reduced by the value of salvage. Payout cannot exceed the vehicle's market value at the time of loss, or the insured sum if the vehicle was underinsured. For vehicles under the GAP cover (Max package, up to 2 years old), the new vehicle value is paid without depreciation deduction.

V primeru totalne škode (kraje ali uničenja vozila) se višina škode ugotavlja na osnovi tržne vrednosti zavarovanega vozila neposredno pred nastankom škodnega dogodka, zmanjšana za tržno vrednost rešenih delov zavarovanega vozila.

[3] Partial loss: Covered ↩

Partial damage is settled either by repair (return to previous condition) or by cash payment based on repair costs in Slovenia. Depreciation is deducted for parts that are periodically replaced by nature (tyres, batteries, exhaust systems, etc.).

V primeru delne škode, torej poškodb zavarovanega vozila, se višina škode ugotavlja glede na višino stroškov popravila v Republiki Sloveniji.

[4] Theft & robbery: Conditional ↩

Covers theft or attempted theft of the locked vehicle, its parts/equipment, and items inside it, including damage caused by break-in. A police report and all original keys/access devices must be submitted for indemnity; theft facilitated by an unlocked vehicle or involving a family member is excluded.

Nadomestili vam bomo škodo na predmetu zavarovanja, ki vam nastane zaradi: tatvine zaklenjenega predmeta zavarovanja, tatvine delov in/ali opreme predmeta zavarovanja;

[5] Glass damage: Conditional ↩

Covers repair or replacement of windscreen, side, rear and roof glass in case of breakage caused by accident, natural disaster, falling/thrown objects, theft, vandalism or animals. Cover ceases after the third claim in a policy year settled under this peril (the third claim is the last one covered).

Z zavarovanjem stekla so krite škode na vgrajenih steklih, svetlobnih telesih in ogledalih na predmetu zavarovanja, ki nastanejo zaradi razbitja, poškodovanja ali tatvine le-teh.

[6] Natural perils: Covered ↩

Covers damage to the vehicle caused by flood, high water, torrent, storm, landslide or avalanche, hail, lightning strike, mechanical action of water or objects carried by water, and earthquake, including immediately-following rain, sleet or snow damage. Long-term atmospheric effects (e.g. faded paint) are excluded.

Zavarovanje krije škodo na predmetu zavarovanja, ki jo povzročijo naslednje naravne katastrofe: poplave, visoka voda, hudournik; nevihta; drsenje tal ali snežni plaz; toča; udar strele; mehanično delovanje vode ali predmetov, ki jih nosi voda; potres.

[7] Vandalism: Conditional ↩

Covers damage caused by malicious acts of a third party (e.g. scratching with a sharp object, throwing paint). A police report confirming the cause of the damage must be submitted, otherwise indemnity is not due; damage caused intentionally or through gross negligence of the policyholder's close family members is excluded.

Zavarovanje krije škodo, ki na predmetu zavarovanja nastane zaradi vandalizma. Vandalizem je zlonamerno dejanje tretje osebe, ki ima za posledico poškodovanje in/ali uničenje predmeta zavarovanja

[8] Roadside assistance: Covered ↩

Comfort includes Basic Roadside Assistance: on-site repair (up to 1 hour), towing to the nearest workshop (up to 20 km, otherwise to the nearest workshop regardless of distance), transport of driver/passengers up to 50 km, and information services. Plus, Extra and Max include Extended Roadside Assistance: towing up to 150 km, transport of persons up to 100 km, replacement vehicle, 3-star hotel accommodation up to 3 nights (max EUR 75/night/person), return-to-home transport, fuel delivery, tyre change, return for a found stolen vehicle, and wreck removal (up to EUR 125). As an alternative, 'Popolna pomoč na cesti' can be contracted, offering unlimited vehicle towing within Slovenia and towing up to 750 km abroad.

Kritje osnovne pomoči vključuje pomoč na cesti in prevoz vozila; prevoz voznika in sopotnikov; storitve obveščanja.

[9] Replacement vehicle: Covered ↩

Included within Extended Roadside Assistance (Plus, Extra, Max) without extra premium: up to 6 days for accident/fire/natural disaster/vandalism/theft/glass breakage, up to 4 days (max twice per policy year) for breakdown, wrong fuel or lock-related issues. A separate paid Replacement Vehicle add-on (available with Plus, Extra, Max, personal vehicles only, engine up to 2000cc) can also be contracted, covering rental costs for up to 10 calendar days if the vehicle is destroyed, damaged or stolen under casco cover.

Zavarovalnica krije stroške najema nadomestnega vozila, ki je za razred nižje od razreda v katerega je uvrščen predmet zavarovanja (zavarovano vozilo), a ne višje od vozila srednjega razreda

[10] Driver accident: Covered ↩

Pays the sum insured stated on the policy for death or permanent disability of the driver (and, from Plus upwards, also passengers) resulting from a traffic accident, including compensation for the driver's own pain and suffering when the driver caused the accident. Funeral cost reimbursement is sub-limited to EUR 3,500. Included in all packages (Comfort, Plus, Extra, Max); passenger cover is added from Plus upwards.

stroške pogreba in ureditev groba voznika, ki je povzročil prometno nesrečo. Zavarovalna vsota v podlimitu zavarovalne vsote zavarovanja voznika znaša 3.500,00 EUR;

[11] Own damage: Covered ↩

Covers destruction or damage to the insured vehicle caused by sudden events independent of the policyholder's or authorized user's will, including traffic accident, falling/impact of an external object, fire, direct/indirect lightning strike, explosion, storm, earthquake, landslide, avalanche, aircraft impact, manifestation/demonstration, malicious acts of third parties, flood, and damage occurring during preparation or execution of transport by another means (ferry, car-train, tow), among others (Art. 2).

[12] Total loss: Covered ↩

In case of destruction or disappearance of the vehicle (total loss), the insurer pays the market value of the vehicle on the date of loss minus the value of salvaged remains, up to the value of the insured item. For partial-casco combinations, only a proportional share of the total-loss amount is paid based on the ratio between the value insured under that combination and the total damage on the vehicle (Art. 9(1)(1), Art. 12).

[13] Partial loss: Covered ↩

Damage (partial loss) is settled based on repair cost, reduced by the value of replaced part remnants; demounting, mounting and transport costs are included. No wear deduction is made except for a defined list of parts (tyres, plastic/LED lights, batteries, tracks, exhausts, catalytic converters, brake parts, bearings, shock absorbers, tarpaulins, hydraulic oils, canvas roofs, etc.) (Art. 9(1)(2)).

[14] Theft & robbery: Optional ↩

Available as optional Delni avtomobilski kasko combinations KRAJA (unlawful taking/robbery of the vehicle or its parts, tools, accessories fitted/locked to it; theft of keys with lock-replacement costs) and KRAJA VOZILA (unlawful taking/robbery of the whole vehicle only). Damage arising merely from an attempted unlawful taking is not covered under these combinations, and cover is void if the perpetrator is the authorized user (Art. 3(4)(1)-(2)).

[15] Glass damage: Optional ↩

Optional Delni avtomobilski kasko combination STEKLO covers breakage or damage of factory-fitted glass (windscreen, rear, side, interior partition, sunroof, including rigid-plastic glass, heaters and sensors). Basic cover allows up to 2 claims per insurance period; extended cover allows up to 4 claims, after which this combination's cover ceases for the remainder of the period (Art. 3(4)(4)).

[16] Natural perils: Covered ↩

Splošni avtomobilski kasko includes storm (wind ≥17.2 m/s), earthquake, landslide, avalanche, aircraft impact and flood/high-water damage as standard perils (Art. 2(8)-(11), (17)). Hail or sleet is explicitly excluded from this base cover and is only available via the separate optional TOČA combination.

[17] Vandalism: Covered ↩

Included under Splošni avtomobilski kasko: covers blows, scratches or breakage of parts of the insured vehicle caused by malicious acts of third parties, as well as damage arising from an attempted unlawful taking (theft or robbery) of parts of, or the entire, vehicle (Art. 2(14)).

[18] Roadside assistance: Covered ↩

Casco cover includes loading and towing costs to the nearest service if the vehicle is undriveable due to a peril covered under Splošni or Delni avtomobilski kasko. Rescue/extrication costs at the accident site are covered only if explicitly agreed on the policy, with a maximum amount stated there (Art. 10). This is distinct from the separate 'Avtomobilska asistenca' product.

[19] Replacement vehicle: Optional ↩

Optional Delni avtomobilski kasko combination NADOMESTNO VOZILO covers the cost of renting a replacement passenger vehicle while the insured vehicle is repaired after any Splošni or Delni avtomobilski kasko peril. Basic cover: up to 10 days (up to 30 days specifically for total theft/robbery of the whole vehicle under KRAJA/KRAJA VOZILA). Extended cover: up to 40 days. Fuel costs and road tolls are excluded (Art. 3(4)(7)).

[20] Driver accident: See details ↩

Not part of the casco general terms; driver/passenger accident cover (death/disability) is a separate motor insurance product ('Nezgodno zavarovanje voznika in potnikov') sold alongside AO/casco, not governed by these casco T&Cs.

[21] Own damage: 100% of insured sum ↩

Full casco (Polni kasko) and GRAWE KASKO ELITE indemnify destruction or damage to the insured vehicle from a broad list of sudden, accidental perils (traffic accident, falling objects, fire, storm, hail, flood, avalanche, lightning, explosion, vandalism, etc.), while Delni kasko (partial casco) covers only the perils in the specific combination(s) purchased. Indemnity is paid in full but never exceeds the actual/insured value of the vehicle or the agreed sum insured (AK-17/1 art. 11; GKE-17/1 art. 10).

Polno zavarovanje avtomobilskega kaska krije škodo zaradi uničenja ali poškodovanja zavarovanih stvari, ki nastane kot posledica presenetljivih, kratkotrajnih in od zavarovančeve ali voznikove volje neodvisnih dogodkov

[22] Total loss: 100% of insured sum ↩

In case of destruction or theft of the vehicle (total loss), indemnity equals the actual value of the new equivalent vehicle on the day of loss assessment, reduced for depreciation and for the market value of any salvage, but capped at the insured value or agreed sum insured (AK-17/1 art. 9 and 11; GKE-17/1 art. 8 and 10).

uničenja ali tatvine zavarovane stvari (popolna škoda) - po dejanski vrednosti zavarovane stvari na dan ugotavljanja višine škode, zmanjšani za tržno vrednost rešenih ostankov zavarovane stvari

[23] Partial loss: 100% of insured sum ↩

For partial damage, indemnity equals the cost of repair (including dismantling, reassembly and transport of parts), less the value of replaced-part residuals, and is likewise capped at the insured/agreed value (AK-17/1 art. 9(1)(2); GKE-17/1 art. 8(1)(2)).

pri poškodovanju zavarovane stvari (delna škoda) - po višini stroškov popravila, zmanjšani za vrednost ostankov delov, ki se zamenjajo. V stroške popravila se vštejejo tudi stroški demontaže, montaže in prevoza zadevnih delov.

[24] Theft & robbery: 100% of insured sum ↩

Under Delni kasko, theft/burglary/robbery/unlawful taking is only covered under Combination K, which may only be purchased together with full casco on the same vehicle; it is covered automatically under GRAWE KASKO ELITE. Indemnity for stolen parts, tools, accessories or spare parts requires that they were fixed to or locked inside the vehicle at the time of theft. Payment of the vehicle theft claim is conditional on presenting all original and spare keys and the vehicle registration document.

Kombinacija K - Tatvina, vlomska in roparska tatvina, rop ter protipravni odvzem vozila z namenom, da se uporabi za vožnjo. ... Delno zavarovanje avtomobilskega kaska po tej kombinaciji se lahko sklene le skupaj s polnim kasko zavarovanjem tega vozila

[25] Glass damage: 100% of insured sum ↩

Under Delni kasko, breakage or damage of standard-fitted vehicle glass (excluding light units and mirrors) is covered under Combination E; Combination D covers the same glass risk together with damage caused by direct contact with wildlife or domestic animals. Breakage of standard-fitted light units and mirrors is a separate risk, covered under Combination J. GRAWE KASKO ELITE covers glass breakage, light/mirror breakage and animal-contact damage automatically as part of the single policy.

Kombinacija E - Razbitje ali poškodovanje standardno vgrajenega stekla na motornem vozilu, razen stekla svetlobnih teles in ogledal.

[26] Natural perils: 100% of insured sum ↩

Full casco and GRAWE KASKO ELITE cover fire, direct lightning strike, explosion, storm (wind >= 17.2 m/s), hail, avalanche, aircraft impact and flood/torrential or high water damage. Under Delni kasko this peril group (excluding flood in the 'stationary' variant) is only available via Combination B.

Kombinacija B - Požar, direktni udar strele, eksplozija, vihar, toča, snežni plaz in padec zračnega vozila.

[27] Vandalism: 100% of insured sum ↩

Full casco and GRAWE KASKO ELITE cover damage caused by malicious or reckless acts of third parties, as well as manifestations or demonstrations. This peril is not among the perils listed in any Delni kasko (partial casco) combination, so it is not separately purchasable under partial casco.

5) zlonamernih ali objestnih dejanj tretjih oseb;

[28] Roadside assistance: Optional ↩

Roadside/breakdown assistance is a separate, optional product within the GRAWE AVTO program (GRAWE MOBIL OSNOVNI/PLUS/SUPER/EKSKLUZIV/POSLOVNI), providing 24-hour help in Slovenia and Europe such as towing, key/fuel problems, vehicle recovery and replacement-vehicle delivery; it is not automatically bundled with the casco cover itself, though basic towing to the nearest workshop after a covered casco claim is included in casco (see costs in claim-related expenses).

nudenje asistenčnih storitev in povračilo stroškov v primeru okvare, poškodbe vozila in ostalih zavarovanih nevarnosti navedenih v pogojih.

[29] Replacement vehicle: €60 ↩

Covers rental costs of a replacement passenger vehicle of the same category if the insured car is damaged, destroyed or stolen. For partial damage the T&Cs (AK-17/1 art. 3(3), GKE-17/1 art. 3(1)(16)) and one IPID version state up to 3 days' cover until repair; a later IPID version (04/23) states up to 7 days if repaired at a workshop within GRAWE's contracted service network. For total loss/theft, cover is up to 5 days until a new vehicle is acquired or the stolen vehicle is found. Only direct rental cost is covered (not fuel, deposits, insurance, tolls). Under Delni kasko this is Combination N, purchasable only together with full casco; it is included automatically in GRAWE KASKO ELITE.

Z zavarovanjem so kriti stroški najema nadomestnega osebnega vozila enake kategorije oziroma razreda, kot je zavarovan osebni avtomobili, vendar največ v višini 60 EUR za dan najema.

[30] Driver accident: Optional ↩

Personal-accident cover for driver/passengers (death or permanent disability, treatment costs and daily allowance) and the separate 'AO-plus' driver bodily-injury cover are distinct, optional products within the GRAWE AVTO program alongside casco, not a built-in casco benefit; cover is limited to the agreed sum insured, with no fixed amount stated in these sources.

Zavarovanje za primer smrti ali trajne invalidnosti, kriti so stroški zdravljenja in dnevno nadomestilo, zavarovalno kritje je omejeno z zavarovalno vsoto.

[31] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle while driving or at rest: traffic accidents, collisions, overturning, skidding, falling, impact/fall of objects, snow or ice, and submersion (SK1); violent or aggressive acts of third parties and permitted demonstrations (SK2); and special events such as aircraft crash or emergency rescue action (SK3). Indemnity is capped at the actual value of the vehicle.

SK - Splošni avtomobilski kasko krije škodo na predmetih zavarovanja, ki izhajajo iz nepredvidenih in nenadzorovanih dogodkov ter tudi od posledice dogodkov, ki nastanejo neodvisno od zavarovančeve ali voznikove volje

[32] Total loss: 100% of insured sum ↩

In case of destruction or theft (total loss), indemnity is based on the actual value of the vehicle on the date of loss assessment, reduced for the market value of any salvage and for depreciation based on age, mileage, condition and market price.

uničenja ali tatvine zavarovane stvari (popolna škoda) - po dejanski vrednosti zavarovane stvari na dan ugotavljanja višine škode, zmanjšani za tržno vrednost rešenih ostankov

[33] Partial loss: 100% of insured sum ↩

For damage (partial loss), indemnity equals repair costs (including disassembly, assembly and transport) minus the value of replaced residual parts; no wear deduction applies except for specified parts (e.g. bearings, brake pads/discs/drums, shock absorbers, steering rack, battery, canvas roof, hydraulic oil, tyres, tracks, exhaust), where a wear-based deduction is made.

poškodovanja zavarovane stvari (delna škoda) - po višini stroškov popravila, zmanjšani za vrednost ostankov delov, ki se zamenjajo.

[34] Theft & robbery: 100% of insured sum ↩

Optional combination covering loss of the vehicle due to theft, burglary-theft, robbery or unlawful taking for use, plus resulting traffic-accident or breakdown damage occurring after the taking. Payment requires surrender of all original and spare keys and the vehicle registration certificate; cover is excluded if the perpetrator is a co-insured person, close relative, household member or employee, or in cases of gross negligence. Can only be concluded together with general casco (SK).

Zavarovalno kritje je podano za škodo zaradi izginitve zavarovanih stvari, ki je posledica kaznivega dejanja tatvine, vlomske in roparske tatvine, ropa ali protipravnega odvzema vozila z namenom, da se uporabi za vožnjo

[35] Glass damage: Optional ↩

Optional combination covering breakage or damage of standard-fitted glass, including the antenna, rain sensor and windscreen heating; damage to lights and mirrors is not covered. Limited to a maximum of three claims per insurance year.

Zavarovanje krije škodo na vozilu zaradi razbitja ali poškodovanja standardno vgrajenega stekla; Ni krita škoda na svetlobnih telesih in vzvratnih ogledalih

[36] Natural perils: 100% of insured sum ↩

Optional combination covering fire, earthquake, direct lightning strike, sudden external thermal/chemical action, explosion, storm (wind ≥17.2 m/s), hail, avalanche, landslide, flood and torrential/high water. Certain flood-related situations (e.g. driving through a flooded area) are excluded unless separately agreed with an extra premium. Can only be concluded together with general casco (SK).

požar, potres, direktni udar strele, nenadno zunanje toplotno in/ali kemično delovanje, eksplozija, vihar (veter, ki piha s hitrostjo najmanj 17,2 m v sekundi (63 km na uro)), toča

[37] Vandalism: 100% of insured sum ↩

Base general casco (SK2) covers damage caused by violent or aggressive acts of third parties and wanton acts (objestnost), as well as damage occurring at manifestations or demonstrations approved by the competent state authorities.

SK2 - Zaradi dejanj tretjih oseb: a) nasilna ali agresivna dejanja tretjih oseb, objestnosti; b) manifestacije in demonstracije – zavarovanje krije škodo, povzročeno na dovoljenih manifestacijah ali demonstracijah

[38] Roadside assistance: €5,000 ↩

Casco covers towing/transport of the damaged vehicle to the nearest workshop and removal of the wreckage of a destroyed vehicle to the nearest disposal site; other costs incurred at the insurer's order or with its consent are covered up to EUR 5,000 per claim. A broader stand-alone 'GROUPAMA Asistenca' roadside-assistance package (towing organisation, key-lockout help, wrong-fuel recovery, replacement transport, and the 'Drive angel' app) can be purchased separately as an optional add-on within the wider Varen avto product.

vleke ali prevoza poškodovanega vozila do najbližje delavnice, kjer bodo opravili nujna ali dokončna popravila; odvoza ostankov uničenega vozila do najbližjega odlagališča; če so nastali po nalogu oziroma s soglasjem zavarovalnice in sicer največ do 5.000,00 EUR za posamezen zavarovalni primer.

[39] Replacement vehicle: Optional ↩

Optional combination reimbursing hire costs for a replacement passenger car of the same category if the insured vehicle is destroyed, damaged or lost under a covered general or partial casco peril: up to 6 days for repairable damage (based on the insurer's assessed repair time), or up to 11 days for total loss or theft until a new vehicle is purchased or the stolen vehicle is recovered. Hire is capped at 200 km/day, usable only within Slovenia, requires the insurer's prior written consent, and is limited to a maximum of 3 claims per insurance year. Can only be concluded together with general casco (SK).

V primeru poškodovanja zavarovanega vozila zavarovalnica krije stroške najema osebnega vozila za čas, ki je potreben za popravilo vozila... vendar največ za 6 dni.

[40] Driver accident: Optional ↩

Personal accident cover for the driver, passengers and employees while driving or operating the vehicle (disability or death) is not part of the Casco terms (AKGP-01/24) itself, but is offered as a separately selectable coverage within the wider Varen avto vehicle-insurance product.

[41] Own damage: 100% of insured sum ↩

General casco covers destruction or damage to the insured vehicle resulting from sudden, unforeseen events independent of the driver's or policyholder's will, including traffic accidents, collisions, overturning, skidding, falls, objects/snow/ice falling on the vehicle, submersion, violent or malicious third-party acts, permitted demonstrations, aircraft crash, and rescue/damage-prevention actions. The insurer pays the assessed loss up to the value of the insured item on the day the loss amount is determined (agreed sum insured is the ceiling)

Zavarovanje splošnega avtomobilskega kaska krije škodo zaradi uničenja ali poškodovanja zavarovanih stvari, ki so posledica nenadnih, presenetljivih in od zavarovančeve ali voznikove volje neodvisnih dogodkov

[42] Total loss: 100% of insured sum ↩

In case of destruction or theft (total loss), the loss is valued at the actual value of the insured item on the day of assessment, reduced by the market value of salvage. For personal cars of type sedan, hatchback, estate, coupe, convertible and pick-up (categories M1 and M1G) younger than one year from first registration, the insurer pays the new purchase value without deducting age-related depreciation. If the agreed sum insured is lower than the item's value (underinsurance), the payout is reduced proportionally

uničenja ali tatvine zavarovane stvari (popolna škoda) - po dejanski vrednosti zavarovane stvari na dan ugotavljanja višine škode, zmanjšani za tržno vrednost rešenih ostankov

[43] Partial loss: 100% of insured sum ↩

For partial damage, the insurer pays the cost of repair (including disassembly, assembly and transport costs) reduced by the value of replaced remains; no deduction is made for reduced value of new replacement parts due to depreciation, except for tyres, battery, exhaust system, canvas roof/cover, tracks, or drive batteries where wear is deducted

Od stroškov za nakup novih nadomestnih delov in stroškov barvanja se ne odbija ustrezni znesek zaradi zmanjšanja vrednosti zamenjanih delov zaradi amortizacije, razen v primeru nakupa novih pnevmatik, akumulatorja, izpušnega sistema, platnene ponjave ali strehe, gosenic na kolesih, pogonskih baterij

[44] Theft & robbery: 100% of insured sum ↩

Optional Combination K covers damage from ordinary theft, burglary theft, robbery theft, robbery, and unlawful taking of the vehicle for use. By default this combination can only be concluded together with General Casco for the same vehicle, unless otherwise agreed. Also covered: accidents or mechanical breakdown occurring after the theft/robbery, and costs for making new keys or electronic access devices (including coding) and partial or full lock replacement after theft or loss of keys. Excluded: theft by a person entrusted with the vehicle, a close relative/household member, or an employee of the insured, and cases of gross negligence

Zavarovanje po tej kombinaciji se lahko sklene le skupaj z zavarovanjem splošnega avtomobilskega kaska istega vozila, sklenjenim pri Zavarovalnici Triglav, d.d., če ni drugače dogovorjeno.

[45] Glass damage: Optional ↩

Optional Combination E covers breakage or damage to standard-fitted glass of the insured vehicle (including sensors and heating elements); glass may also be of rigid plastic. Breakage or damage to glass of external lights and mirrors is not covered under this combination (covered separately under Combination J)

Zavarovanje krije škodo na standardno vgrajenem steklu (vključno s senzorji in grelniki) zavarovanega vozila, zaradi razbitja ali poškodovanja.

[46] Natural perils: Optional ↩

Optional Combination B covers destruction or damage from fire, earthquake, direct or indirect lightning strike, sudden external thermal/chemical action, explosion, storm (wind of at least 17.2 m/s), hail, snow avalanche, landslide, flood, torrent or high water. By default this combination can only be concluded together with General Casco for the same vehicle, unless otherwise agreed. With additional premium, cover can be extended to water-hazard exposure, sinking on marshy ground, and avalanche/landslide rescue work

Zavarovanje po tej kombinaciji se lahko sklene le skupaj z zavarovanjem splošnega avtomobilskega kaska istega vozila, sklenjenim pri Zavarovalnici Triglav, d.d., če ni drugače dogovorjeno.

[47] Vandalism: 100% of insured sum ↩

General Casco includes cover for violent or malicious acts of third parties and damage from permitted demonstrations without requiring a separate combination. No deductible (franchise) applies to claims arising from these perils

nasilno ali objestno dejanje tretjih oseb, manifestacije in demonstracije - zavarovanje krije škodo, ki je nastala zaradi manifestacij oziroma demonstracij, dovoljenih od pristojnih državnih organov.

[48] Roadside assistance: €5,000 ↩

Casco insurance covers towing, transport or rescue costs for a damaged or destroyed vehicle when ordered or approved by the insurer, up to EUR 5,000 per claim event. This is distinct from Triglav's separate motor assistance add-on products (MINI/PLUS/COMFORT), which attach to the mandatory MTPL policy rather than to Casco

Zavarovanje krije tudi stroške vleke, prevoza ali reševanja poškodovanega ali uničenega vozila, če so nastali po nalogu oziroma s soglasjem zavarovalnice in sicer največ do 5.000 EUR za posamezen zavarovalni primer.

[49] Replacement vehicle: Conditional ↩

For personal cars insured under Combination K, in the event of total theft of the vehicle (or an accident/breakdown following theft/robbery), the insurer covers rental of a replacement personal car of at most the same category as the insured car, for a maximum of 30 days or until payout of the claim, whichever is earlier. The rental is organized by the insurer; fuel, road-toll charges and optional extra insurance (other than those contractually mandatory) are not covered. This benefit does not apply to vehicles used for rental business

Pri zavarovanju osebnih avtomobilov po tej kombinaciji so v primeru tatvine vozila v celoti (popolna škoda) ali dogodkov iz prejšnjega odstavka z zavarovanjem kriti tudi stroški najema nadomestnega osebnega avtomobila do dne izplačila zavarovalnine po tej kombinaciji, vendar največ za 30 dni.

[50] Driver accident: Optional ↩

Driver/passenger personal-injury accident cover is not part of Casco itself; it is available as a separate optional policy (Personal Accident Insurance for Drivers and Passengers, PG-nvd-NMV/20-2, or the AO-plus driver injury cover, PG-aop/22-3) that can be purchased alongside the vehicle's insurance

[51] Own damage: 100% of insured sum ↩

Full and general casco cover damage from destruction or damage to the insured vehicle caused by traffic accidents, vandalism, hail or other vehicle damage, paid on a first-risk basis up to the agreed sum insured.

Pri polnem in splošnem kasku je krita škoda zaradi izginitve, uničenja ali poškodovanja zavarovanih stvari, ki nastane zaradi: prometne nesreče; vandalizma; toče; poškodovanja vozila.

[52] Total loss: 100% of insured sum ↩

Casco insurance covers total destruction of the insured vehicle, with the insurer paying the established damage in full but not exceeding the agreed first-risk sum insured.

[53] Partial loss: 100% of insured sum ↩

Repair costs for partial damage to the vehicle arising from a covered peril (traffic accident, hail, vandalism, natural hazards) are reimbursed up to the agreed sum insured, minus any agreed deductible.

[54] Theft & robbery: 100% of insured sum ↩

Combination T covers theft of the vehicle or of its parts permanently attached to or located in the vehicle; it can only be concluded together with (Full) Casco insurance, and a 10-20% premium discount applies for vehicles fitted with approved anti-theft devices.

Kombinacija T *KOMT – krije krajo vozila ali njegovih delov, ki so pritrjeni na ali v vozilo; kombinacija T se lahko sklene le skupaj z Zavarovanjem avtomobilskega kaska;

[55] Glass damage: 100% of insured sum ↩

Combination E covers breakage or damage of standard-fitted glass on the vehicle (lights and mirrors excluded); Combination J extends this to also cover breakage, damage or theft of fitted glass, lights and mirrors.

Kombinacija E – krije škodo, nastalo zaradi razbitja ali poškodovanja vgrajenega stekla *VGS na avtomobilu (luči oziroma žarometi ter ogledala niso vključeni); ... Kombinacija J *KOMJ – krije škodo na vgrajenih steklih, svetlobnih telesih (lučeh) in ogledalih na avtomobilu, ki nastane zaradi razbitja, poškodovanja ali tatvine;

[56] Natural perils: 100% of insured sum ↩

Full and general casco cover damage caused by fire, storm, snow or landslide, hail, lightning, earthquake, flood, torrential and high water, explosion, external thermal or chemical action, aircraft fall, civil unrest, wild animals and rodents.

[57] Vandalism: 100% of insured sum ↩

Full and general casco explicitly cover damage resulting from vandalism to the insured vehicle.

Pri polnem in splošnem kasku je krita škoda zaradi izginitve, uničenja ali poškodovanja zavarovanih stvari, ki nastane zaradi: prometne nesreče; vandalizma; toče; poškodovanja vozila.

[58] Roadside assistance: Optional ↩

A separate optional module offering 24/7 free roadside assistance in Slovenia and abroad via a partner network, covering consequences of traffic accidents, breakdowns, vandalism, damage, theft, and key or fuel problems, available to the driver and all passengers.

24-urna brezplačna pomoč na cesti v primeru prometne nesreče, mehanske okvare vozila, vandalizma, kraje, poškodovanje vozila ali težav s ključi ali gorivom. Asistenčna pomoč pripada vozniku in vsem potnikom v zavarovanem vozilu.

[59] Replacement vehicle: Optional ↩

Combination I covers the cost of renting a replacement personal vehicle and can be added within the Full or Flexi Casco framework.

Kombinacija I *KOMI – krije stroške najema nadomestnega osebnega vozila, če je prišlo do poškodbe, uničenja ali izginotja vozila zavarovanega avtomobila zaradi katere koli od zavarovanih nevarnosti avtomobilskega kaska.

[60] Driver accident: Optional ↩

A separate optional accident cover for drivers, passengers and workers operating or riding in the vehicle, paying out for disability, death, daily compensation and hospital daily allowance; racing, motocross, rally, karting and related training are excluded.

vozniki, potniki in delavci pri upravljanju in vožnji z motornimi vozili za primere iinvalidnosti ali smrti ali dnevne odškodnine ter bolnišničnega dneva.