Extracted from source documents

Allianz Casco (own-damage car insurance) (Moj Avto)

Underwritten by Allianz Hrvatska d.d. (Allianz Slovenija, zavarovalna podružnica) · Slovenia

casco (own-damage car insurance) from Allianz for the Slovenia market, with online purchase and 24/7 assistance.

Verified Aug 22, 2026 · Terms dated 2026-03-23Sources

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Key facts

Allianz

Unique selling points

Complete Roadside Assistance offers unlimited vehicle towing within Slovenia and towing up to 750 km abroad, well beyond the standard 150 km limit of Extended Roadside Assistance.

The Max package includes GAP cover that pays the full new-vehicle purchase price with no depreciation deduction in case of total loss or theft for vehicles up to 2 years old.

Completing the digital vehicle inspection within 15 days cuts the otherwise mandatory 50% deductible on casco claims, rewarding a quick, fully digital onboarding step.

Policyholders can buy back their first claim (odkup prve škode) to protect their bonus-malus class from a malus increase after a single incident.

The Status škode (Claims Tracker) digital app lets customers submit documents and track claims online, with settlements targeted within 2 working days of agreement confirmation.

Coverage limits

Conditional

Own Damage / Full Casco (Accident and Other Risks)

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.

Clause 2.2.15Page 39

Section: 2.2.15. POLNO KASKO ZAVAROVANJE (PROMETNA NESREČA IN DRUGA TVEGANJA)

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

Covered

Total Loss Settlement

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.

Clause 2.8.3.2Page 62

Section: 2.8.3.2. ZAVAROVANJE VOZIL > Totalna škoda

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.

Covered

Partial Loss / Repair Settlement

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.).

Clause 2.8.3.2Page 62

Section: 2.8.3.2. ZAVAROVANJE VOZIL > Delna škoda

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

Conditional

Theft and 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.

Clause 2.2.12Page 34

Section: 2.2.12. TATVINA

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

Conditional

Glass Breakage

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).

Clause 2.2.14Page 36

Section: 2.2.14. ZAVAROVANJE STEKLA

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.

Covered

Natural Disasters

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.

Clause 2.2.7Page 24

Section: 2.2.7. NARAVNE KATASTROFE

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.

Conditional

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.

Clause 2.2.13Page 36

Section: 2.2.13. VANDALIZEM

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

Covered

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.

Clause 2.2.5Page 17

Section: 2.2.5. OSNOVNA POMOČ NA CESTI

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

Covered

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.

Clause 2.2.9Page 26

Section: 2.2.9. RAZŠIRJENA POMOČ NA CESTI > Nadomestno vozilo

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

Covered

Driver and Passenger Accident Insurance

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.

Clause 2.2.6Page 22

Section: 2.2.6. ZAVAROVANJE VOZNIKA IN NEZGODNO ZAVAROVANJE ZA VOZNIKA

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

Key conditions

Driver age and experience limit

Increased risk must be reported if the vehicle is driven by a driver with less than 3 years of driving experience, a learner driver, or a driver who has not yet turned 25 at policy inception; the premium is adjusted accordingly. The driver must always hold a valid licence for the vehicle category driven.

Repair network requirements

Policyholders may choose repair at an Allianz partner workshop (with benefits such as shorter repair time, guaranteed quality and direct settlement with the workshop) or arrange repair independently and claim reimbursement against invoices; the insurer may still give instructions on the choice of contracted repairer.

Anti-theft requirements

The vehicle must be locked at the time of the theft for cover to apply; all original keys and other access/start devices must be surrendered to the insurer together with the police report as a condition of payment, and any pre-existing damage must be disclosed via the mandatory digital vehicle inspection.

Claim notification deadline

The claim must be reported to Allianz no later than 24 hours after the event occurred or after the policyholder became aware of it. Events involving serious injury, death, fire, explosion, theft, vandalism, animal collision or an accident with another vehicle (or where fault cannot be agreed) must additionally be reported to the police, and the police report forwarded to Allianz within 24 hours of the police notification.

Deductible rules

For the Max package's accident cover, a contractual deductible may apply to every claim, or an 'obligatory deductible' applies from the second claim onward in the same policy year: EUR 240 (2nd claim), EUR 480 (3rd), EUR 1,200 (4th), EUR 2,400 (5th and subsequent); parking-damage claims are exempt from the deductible for the first two claims, with EUR 480 applying (and cover ending) on the third. Separately, for Plus/Extra/Max casco covers, a mandatory 50% deductible on the loss amount applies from policy inception until Allianz confirms completion of the digital vehicle inspection.

Direct payment

If the policyholder chooses repair, Allianz settles the invoice directly with its network of contracted/partner workshops; the policyholder pays only the agreed deductible, if any, directly to the workshop. Alternatively, the policyholder may opt for a cash settlement, which Allianz aims to pay within 2 working days of the settlement being agreed/confirmed via the Status škode (Claims Tracker) application.

Territorial scope

Casco cover applies in the Republic of Slovenia and Green Card system member states. Roadside assistance is valid in EU states plus Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican City and the European parts of Turkey and Cyprus; it does not apply in Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia or Ukraine.

Documents

Terms and Conditions and Guide Through Services - Moj Avto (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Moj Avto (opens in a new tab)

Product information sheet · PDF

Insurance Product Information Document - Moj Avto (alternative link) (opens in a new tab)

Product information sheet · PDF

Benefit Guide - Moj Avto (opens in a new tab)

Table of benefits · PDF

Moj Avto Product Flyer (opens in a new tab)

Policy specifics

Digital Vehicle Inspection Requirement

For CASCO coverage (Plus, Extra, Max packages), a digital vehicle inspection must be completed at policy inception. For personal vehicles, this is done via the insurer's digital application.

SourcePage 2

Section: Kakšne so moje obveznosti?

pri sklenitvi kasko zavarovanja (paketi Plus, Extra in Max) opraviti digitalni pregled vozila, za katera je skladno z zavarovalnimi pogoji določena takšna obveznost. […] Za osebna vozila se digitalni pregled vozila opravi prek digitalne aplikacije zavarovalnice.

Road Assistance Coverage

All Moj avto packages include road assistance. Complete road assistance (Popolna pomoč na cesti) provides unlimited vehicle transport within Slovenia, transport up to 750km abroad, and extended replacement vehicle rental.

SourcePage 1

Section: Kaj je zavarovano?

Osnovno pomoč na cesti – pomoč na cesti v primeru okvare, počene pnevmatike, poškodbe ali uničenja vozila (do 1 ure dela) ali prevoz vozila do najbližje pooblaščene delavnice, prevoz oseb ter dodatne storitve informiranja. […] Ta zagotavlja neomejen prevoz vozila znotraj Slovenije, prevoz vozila do 750km v tujini, daljše koriščenje nadomestnega vozila v primerjavi s kritjem Razširjena pomoč na cesti in druge koristne storitve.

Driver Accident Insurance

Insurance for the driver in case of death or permanent disability due to traffic accident, including coverage for physical and mental injuries and pain caused by injuries in accidents caused by the insured driver.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Zavarovanje voznika za primer smrti ali trajne invalidnosti zaradi prometne nesreče. Zavarovanje krije tudi škode zaradi telesnih in duševnih bolečin zaradi poškodb voznika v prometni nesreči, ki jo povzroči voznik zavarovanega vozila sam.

Legal Defense Coverage

Covers costs of criminal proceedings against the insured due to traffic accidents.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Vključuje kritje stroškov kazenskega postopka, ki se zoper vas vodi zaradi škodnega dogodka.

Natural Disaster Coverage

Covers damage or loss of the vehicle due to wind, hail, landslide, flood, earthquake.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Krije škodo zaradi poškodovanja ali uničenja predmeta zavarovanja zaradi nevihte, toče, zemeljskega plazu, poplave, potresa.

Fire and Explosion Coverage

Covers damage or loss of the vehicle due to fire or explosion.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Krije škodo zaradi poškodovanja ali uničenja predmeta zavarovanja zaradi požara ali eksplozije.

Theft and Vandalism Coverage

Covers theft of the vehicle or its components, theft of items in the vehicle, and damage from break-in. Also covers damage from vandalism (intentional damage by third parties).

SourcePage 2

Section: ZAVAROVALNA KRITJA

Krije škodo zaradi tatvine predmeta zavarovanja, sestavnih delov predmeta zavarovanja, stvari v predmetu zavarovanja in poškodovanja/uničenja, ki jih povzroči vdor v predmet zavarovanja in/ali nedovoljena uporaba predmeta zavarovanja. […] Krije škodo, ki je posledica vandalizma, tj. zlonamernega ravnanja tretje osebe, ki poškoduje ali uniči predmet zavarovanja tako da, a ne izključno, ga opraska z ostrim predmetom, vanj vrže barvo ipd.

Windscreen Coverage

Covers repair or replacement of windscreen, side and rear windows, and fixed and movable roof windows on the vehicle due to breakage.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Krije popravilo ali zamenjavo vetrobranskega stekla, stranskega (bočnega) in zadnjega stekla, pomičnega in nepremičnega stekla na strehi na predmetu zavarovanja v primeru razbitja.

GAP Insurance (Guaranteed Asset Protection)

Covers the value of a new vehicle (without depreciation deduction) in case of total loss (destruction or theft). Valid for vehicles up to 6 months old at inception and up to 24 months total age.

SourcePage 2

Section: ZAVAROVALNA KRITJA

Krije vrednost novega predmeta zavarovanja (brez zmanjšanja za delež amortizacije) v primeru uničenja ali tatvine predmeta zavarovanja. Velja za predmete zavarovanja, ki v trenutku sklepanja zavarovanja, niso starejši od šestih mesecev od dne prve registracije vozila. Tako sklenjeno zavarovanja velja do skupne starosti predmeta zavarovanja 24 mesecev.

Full CASCO Coverage

Covers damage from accidents and unexpected events such as traffic accidents, sliding off road, falling objects on vehicle, animal collision, natural disasters, fire, theft, vandalism, and other insured risks.

SourcePage 11

Section: 2.2 Predmet zavarovanja > Opis paketa

Max: poleg kritij paketa Extra, vključuje tudi dodatna kritija – in sicer kritje za škode nastale na vozilu, ki jih povzročite sami.

Vehicle Use Restriction

Coverage does not apply if the vehicle was used for a purpose other than what is intended for such a vehicle.

SourceClause 2.2.3Page 15

Section: 2.2. Predmet zavarovanja > 2.2.3. Kdaj vi kot zavarovanec izgubite svoje zavarovalne pravice

1) Če je voznik vozilo uporabljal za drug namen, kot je to predvideno za takšno vozilo.

Valid Driving License Requirement

The driver must have a valid driving license for the vehicle category being driven.

SourceClause 2.2.3Page 15

Section: 2.2. Predmet zavarovanja > 2.2.3. Kdaj vi kot zavarovanec izgubite svoje zavarovalne pravice

2) Če voznik ni imel veljavnega vozniškega dovoljenja tiste ali tistih kategorij, v katere spada vozilo, ki ga je vozil, razen če je vozilo vozil kandidat za voznika motornih vozil, ob upoštevanju vseh predpisov, ki urejajo tak pouk.

Alcohol and Drug Impairment Exclusion

Coverage does not apply if the driver was operating the vehicle under the influence of alcohol, drugs, psychoactive medications, or other psychoactive substances beyond the permitted limit.

SourceClause 2.2.3Page 15

Section: 2.2. Predmet zavarovanja > 2.2.3. Kdaj vi kot zavarovanec izgubite svoje zavarovalne pravice

5) Če je voznik vozilo upravljal pod vplivom alkohola, prepovedanih drog, psihoaktivnih zdravil ali drugih psihoaktivnih snovi, in sicer nad dovoljeno mejo.

Intentional Damage Exclusion

Coverage does not apply if the driver intentionally caused the damage.

SourceClause 2.2.3Page 16

Section: 2.2. Predmet zavarovanja > 2.2.3. Kdaj vi kot zavarovanec izgubite svoje zavarovalne pravice

6) Če je voznik škodo povzročil namenoma.

Geographical Coverage Scope

Coverage applies to damages occurring in the Republic of Slovenia and in the territory of countries in the green card system. Road assistance coverage is valid in EU member states and several other European countries.

SourcePage 2

Section: Kje velja zavarovanje?

Zavarovanje po vaši polici krije škode, ki nastanejo na območju Republike Slovenije in ozemlju držav članic sistema zelene karte. Izjema je zavarovanje Pomoč na cesti, ki velja na območju držav članic Evropske unije, vključno z Bosno in Hercegovino, Črno goro, Srbijo, Makedonijo, Andoro, Lihtenštajnom, Monakom, Norveško, San Marinom, Švico, Vatikanom ter evropskim delom Turčije in na grškem delu Cipra.

Premium Payment Terms

Premium is paid either as a lump sum or in installments according to the schedule specified in the insurance policy. Coverage begins when the full premium or first installment is paid by the date specified in the policy.

SourcePage 2

Section: Kdaj in kako plačam? / Kdaj zavarovanje začne in kdaj neha veljati?

Premija se plačuje enkratno ali v obrokih, glede na dinamiko, določeno v zavarovalni polici. […] Zavarovanje začne veljati z dnem in uro, ki sta navedena v zavarovalni polici, če je do tega trenutka vplačana celotna premija ali prvi obrok, odvisno od tega, kako je določeno v polici.