Generali Casco (own-damage car insurance) (Avtomobilski Kasko)
Underwritten by Generali zavarovalnica d.d. · Slovenia
casco (own-damage car insurance) from Generali for the Slovenia market, with online purchase.
Verified Aug 22, 2026 · Terms dated 2026-06-23Sources
Key facts
- Generali
Unique selling points
Optional pet-injury cover (dogs and cats) pays vet treatment, transport and euthanasia costs after a traffic accident - a benefit rarely bundled into motor policies.
Dedicated cover for home EV charging stations (E-POLNILNICA), protecting the wallbox itself against theft, fire and hail.
The deductible is waived if you choose repair instead of replacement, or homologated equivalent parts at a Generali contracted workshop, and the resulting cost saving exceeds the deductible (not for the STARODOBNIK combination).
First-claim bonus buy-back option protects the no-claims bonus class even after one claim in an insurance period.
New-value cover for vehicles under two years old pays an extra amount (up to 20% of the new-vehicle purchase value) on top of standard compensation in case of total loss.
Coverage limits
General/Own Damage Casco (Splošni avtomobilski kasko)
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).
Total Loss Settlement
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).
Partial Damage Settlement
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)).
Theft and Robbery (Kraja / Kraja vozila)
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)).
Glass Damage (Steklo)
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)).
Natural Perils (Storm, Earthquake, Landslide, Avalanche, Flood)
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.
Vandalism / Malicious Acts of Third Parties
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)).
Towing / Recovery Costs
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.
Replacement Vehicle (Nadomestno vozilo)
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)).
Key conditions
Driver age and experience limit
The general terms do not set a minimum driver age or experience threshold for casco cover itself; they only require that the authorized user hold a valid driving licence of the appropriate category for the vehicle driven (Art. 6). A separate young-driver surcharge product exists for drivers with under 3 years' experience but is outside this T&C.
Repair network requirements
The policyholder is obligated to have the damaged vehicle repaired at the insurer's contracted service. If a different workshop is chosen, the insurer reimburses repair costs only up to the amount that would have applied at its contracted service's published price list (Art. 11).
Anti-theft requirements
The general terms do not prescribe a specific anti-theft device as a precondition for theft (KRAJA/KRAJA VOZILA) cover; theft-related cover is void if the perpetrator turns out to be the authorized user of the vehicle (Art. 3(4)(1)-(2)).
Claim notification deadline
The insured must notify the insurer of the loss event immediately upon becoming aware of it, and in prescribed cases (accident, fire, explosion, break-in theft, robbery) must also notify the police without delay. Within 10 days of notification the insured must additionally allow the insurer to read the vehicle's electronic data using forensic tools (Art. 27, 28).
Deductible rules
A deductible (franšiza), expressed as a percentage of the premium basis or as a fixed amount, may be agreed. Under Splošni kasko it applies to traffic-accident and falling/impact-of-object claims; under Delni kasko it applies only to STEKLO, SVETLOBNA TELESA IN OGLEDALA, ŽIVALI, PARKIRIŠČE, PROMET, POŠKODBA VOZILA and STARODOBNIK claims. The deductible is waived if the insured repairs rather than replaces damaged parts, or has equivalent homologated parts fitted at the insurer's contracted service, but only where the resulting cost saving exceeds the deductible amount; this waiver does not apply to the STARODOBNIK combination (Art. 8).
SourceClause 8. člen, 5. odstavekPage 8Section: 8. ČLEN: SOUDELEŽBA ZAVAROVANCA PRI ŠKODI (FRANŠIZA)
Odbitna franšiza se ne upošteva (ne velja pri kombinaciji Delnega avtomobilskega kaska - STARODOBNIK), če se zavarovanec odloči škodo sanirati na enega izmed naslednjih načinov, razlika v stroških zaradi takšnega načina pa presega znesek odbitne franšize: a) zavarovanec se odloči za popravilo poškodovanih delov, čeprav je po tehničnih normativih proizvajalca predvidena menjava poškodovanih delov; b) škoda se odpravi z vgradnjo originalom enakovrednih homologiranih nadomestnih delov pri pogodbenem servisu zavarovalnice.
Direct payment
The premium (or first instalment) must be paid at conclusion of the policy; instalment payments require payment of the first instalment upon receipt of the policy, with the maximum number of instalments depending on the policy duration and a surcharge applied for deferred instalments.
Territorial scope
Cover applies in the territory of EU member states and in countries whose national insurance bureau is a signatory to the Multilateral Agreement or the General Rules; cover outside this area is available only if separately agreed and an additional premium is paid.
Documents
General Terms and Conditions for Motor Casco Insurance (01-AKA-01/26, effective 23.6.2026) (opens in a new tab)
Terms & conditions · PDF
Previous version of General Terms and Conditions (01-AKA-01/20, effective 3.1.2020) - superseded (opens in a new tab)
Other document · PDF
Previous version of General Terms and Conditions (01-AKA-01/20, alternate link) - superseded (opens in a new tab)
Other document · PDF
Policy specifics
Partial Casco Combinations
Customizable partial casco insurance combinations including theft, glass, hail, wildlife collision, parking damage, fire, and natural disasters
SourceSection: Kaj krije kasko zavarovanje? > Delni kasko
Delne kasko kombinacije so namenjene lastnikom vozil, ki ocenjujejo, da zaradi nizke vrednosti vozila sklepanje splošnega avtomobilskega kaska ni več smiselno, in lastnikom vozil, ki zaradi visoke vrednosti vozila želijo še več varnosti pri tveganjih, ki jim je vozilo najpogosteje izpostavljeno.
Bonus-Malus System
Premium class adjustment system with no-claim bonus protection and malus field penalties
SourceClause 13. člen, 3.-4. odstavekPage 9Section: 13. ČLEN: DOLOČANJE PREMIJE OB UPOŠTEVANJU ŠTEVILA NASTALIH ZAVAROVALNIH PRIMEROV
Vsako zavarovalno leto brez nastalega zavarovalnega primera omogoča razvrstitev za en premijski razred nižje v naslednjem zavarovalnem obdobju (bonus). Najvišja stopnja bonusa je 50 % premije. Vsak nastali zavarovalni primer v preteklem zavarovalnem obdobju ima za posledico razvrstitev za tri premijske razrede višje v naslednjem zavarovalnem obdobju (malus).
Water Damage Coverage Restrictions
Specific exclusions for water ingress into engine combustion chamber and water damage from driving through flooded areas
SourceClause 2. člen, 1. odstavek, 17. točkaPage 2Section: 2. ČLEN: SPLOŠNI AVTOMOBILSKI KASKO > 17) poplava
zaradi vožnje po poplavljenem območju, potočnem ali rečnem koritu ali v primeru, če je upravičenemu uporabniku znano, da vozi nasproti stihijskemu delovanju voda (nenadzorovano, naglo in pogosto uničujoče delovanje voda), razen ko se rešuje ljudi ali premoženje. Izključitev velja tudi, če vozilo zapelje na poplavljeno območje (npr. zaradi močnih padavin zalit cestni podvoz); zaradi vode, ki med vožnjo ali med delovanjem motorja v mirovanju vdre v izgorevalni prostor motorja vozila.
Hail Coverage
Hail damage is covered under partial casco combinations as separate optional coverage
SourceSection: Kaj krije kasko zavarovanje? > Toča
Krije škodo zaradi toče ali sodre.
Replacement Vehicle Coverage
Coverage for rental vehicle costs up to 40 days if insured vehicle is destroyed or damaged by partial or comprehensive casco perils
SourceSection: Kaj krije kasko zavarovanje? > Nadomestno vozilo
Krije stroške najema nadomestnega vozila za čas popravila ali izginitve vozila (do 10/30 ali do 40 dni, odvisno od kritja).
Deductible
Deductible expressed as percentage of vehicle value that policyholder pays from own funds when damage occurs
SourceSection: Odbitna franšiza
Odbitna franšiza je izražena v odstotkih in predstavlja delež škode, ki ga boste krili sami. Pri splošnem kasku je franšiza, če je dogovorjena, določena v odstotku zavarovalne vsote (glede na nabavno vrednost novega vozila) in lahko znaša 0,5 %, 1 %, 2 %, 4 % ali 8 %.
Authorized User
Authorized user includes insured person and any driver to whom insured has allowed to operate the insured vehicle
SourcePage 1Section: IZRAZI V TEH POGOJIH POMENIJO
Upravičeni uporabnik - poleg zavarovanca tudi oseba (voznik), ki ji je zavarovanec prepustil upravljanje zavarovanega vozila.
Premium Payment Terms
Premium or first installment due at policy conclusion; subsequent installments due on first day of each insurance year
SourceClause 16. člen, 1. odstavekPage 10Section: 16. ČLEN: PLAČILO PREMIJE IN POSLEDICE NEPLAČILA PREMIJE
Premijo oziroma 1. obrok mora zavarovalec plačati ob sklenitvi pogodbe. Za plačilo ob sklenitvi pogodbe šteje tudi plačilo, ki je izvršeno najpozneje do dneva zapadlosti, ki je naveden na terjatvenem dokumentu. ... Če premija (oziroma 1. obrok) do dneva zapadlosti na terjatvenem dokumentu ni plačana v celoti, je zavarovalno kritje zagotovljeno šele z naslednjim dnem po celotnem plačilu.
Theft Coverage
Covers theft, breaking and entering, and robbery of vehicle; covers theft of vehicle parts, tools, accessories if attached/locked to vehicle; covers key theft and costs for lock replacement
SourceClause 3. člen, 4. odstavek, 1. točkaPage 2Section: 3. ČLEN: DELNI AVTOMOBILSKI KASKO > 1) KRAJA
Krite so škode na vozilu, nastale: a) zaradi protipravnega odvzema (tatvine ali ropa) vozila, pri čemer zavarovanje ne krije škode na vozilu, če je ta nastala zgolj kot posledica poskusa protipravnega odvzema; ... c) zaradi tatvine ključev vozila ali elektronske naprave izključno namenjene za odklepanje vrat in zagon motorja vozila. Zavarovanje krije tudi stroške menjave ključavnic na vozilu kot posledice tatvine ključev vozila ali tatvine elektronske naprave izključno namenjene za odklepanje vrat in zagon motorja vozila.
Policy Period and Coverage Hours
Coverage begins after 24:00 hours on policy start date and ends after 24:00 hours on policy end date
SourceClause 24. člen, 2. odstavekPage 12Section: 24. ČLEN: VELJAVNOST ZAVAROVANJA
Zavarovalnica ima obveznost samo tedaj, če pride do škodnega dogodka po začetku in pred koncem zavarovalnega kritja. Če ni drugače dogovorjeno, se obveznost zavarovalnice začne po izteku 24. ure dneva, ki je v pogodbi označen kot začetek zavarovanja, sicer pa po izteku 24. ure dneva, ko je plačana premija. Obveznost zavarovalnice preneha po izteku 24. ure dneva, ki je v pogodbi naveden kot dan poteka zavarovanja.