Generali
Generali is a motor casco insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
The insurer organizes and directs repair of the damaged vehicle to a contracted workshop. If the policyholder chooses a different workshop, the insurer covers costs only up to the amount that would have been charged at the contracted workshop. Fast online claims submission is available without visiting a branch.
Geographic scope
SI
Veljavnost zavarovanja po vsej Evropi v geografskem smislu, če na pogodbi ni navedeno drugače (člen 20 splošnih pogojev 01-AKA-01/20). Kritje velja tudi v državah Sistema zelene karte, kot je navedeno na mednarodni kartici.
Unique selling points
- Bonus-malus system with up to 50% no-claims discount and an optional first-claim bonus protection add-on that prevents losing your discount after a single claim.
- All-Europe territorial coverage included as standard under Article 20 of the T&C — not restricted to Slovenia or Green Card countries only.
- Highly customisable partial casco with 13 standalone combinations (hail, glass, parking, theft, animals, keys, etc.) that can be mixed and matched without purchasing full general casco.
- 24/7 roadside assistance available in Slovenia and abroad, with towing to the nearest workshop and passenger transport home included when on-site repair is not possible.
- Ranked highest for claims satisfaction among competing insurers in Slovenia (Aragon BrandTrack survey, May 2025), with fast online claims submission available without visiting a branch.
Coverage limits
Own Vehicle Damage (General Casco)
Covered
Covers damage or destruction of the insured vehicle resulting from sudden and unforeseen events independent of the insured's will, including traffic accidents, falling objects, fire, sudden external thermal or chemical action, lightning strike, explosion, storm, earthquake, landslide, snow avalanche, falling aircraft, manifestation or demonstration, malicious acts by third parties, flooding, and sinking/damage during ferry transport. The insurer pays the established damage amount up to the insured value of the vehicle.
SourceTotal Loss (Constructive or Technical)
Covered
In the event of total destruction or disappearance of the vehicle (total loss), the insurer pays the market value of the insured item on the date of the loss event, reduced by the market value of salvage, taking into account the condition of the item immediately before the loss. The insurer's maximum payment is the insured value. An optional new-value insurance add-on is available for new passenger vehicles up to 2 years old, covering the replacement cost without depreciation.
SourcePartial Loss / Repair Costs
Covered
Covers repair costs for damaged (partially lost) insured items, including dismantling, assembly and transport costs. New replacement parts are not subject to depreciation deductions, except for certain components such as tyres, LED lights, batteries, exhaust systems, catalysts, brake pads, shock absorbers, etc., where wear-based deductions apply. Homologated equivalent spare parts may be used by agreement.
SourceTheft, Robbery and Unlawful Taking
Optional
Available as partial casco combination KRAJA (theft of vehicle and parts) or KRAJA VOZILA (theft of vehicle only). Covers damage from theft, burglary theft, robbery and unlawful taking of the vehicle; theft of vehicle parts, tools, accessories fixed to or locked in the vehicle; and resulting traffic accidents. Also covers key replacement costs and lock cylinder replacement after key theft. Risks are not covered if perpetrated by an authorised user. After 30 days without recovery, the claim is settled as total loss.
SourceGlass Damage (Windscreen and All Glazing)
Optional
Optional partial casco combination STEKLO. Covers breakage or damage to all factory-fitted glass including windscreen, rear glass, side glass, internal partition glass and glass roof, including those made of hard plastic (not PVC), plus associated heaters and sensors. Basic coverage allows 2 claims per policy year; extended coverage allows 4 claims per policy year. A deductible applies as agreed in the policy.
SourceNatural Perils
Covered
Included as part of the general (splošni) casco. Covers storm (wind ≥17.2 m/s, Beaufort scale 8), earthquake, landslide (including debris flow), snow avalanche, flood (including flash floods and groundwater), and falling aircraft parts. Also available as partial casco combination POŠKODBA VOZILA covering the same natural perils without requiring full general casco. Deductible does NOT apply to natural perils under general casco (applies only to traffic accidents and falling/striking objects).
SourceVandalism / Malicious Acts by Third Parties
Covered
Included in general (splošni) casco. Covers damage caused by malicious and reckless acts of third parties (objestno dejanje tretjih oseb) such as blows, scratches or breaking of parts of the insured object. Also covers manifestation and demonstration damage, and intentional damage to insured items for the purpose of preventing greater damage. Deductible does NOT apply to vandalism under general casco.
SourceRoadside Assistance (Avtomobilska asistenca)
Optional
Roadside assistance is a separate optional product (Avtomobilska asistenca) available as an add-on to the casco policy. The insurer provides 24/7 assistance in Slovenia and abroad. Services include towing to the nearest workshop, transport for the driver and passengers, and help with vehicle key problems and wrong fuel issues. Towing costs for vehicles immobilised due to covered casco perils (general casco, hail, animals, vehicle damage combination, traffic combination) are also covered under the T&C of the casco policy itself (Article 10).
SourceReplacement Vehicle (Nadomestno vozilo)
Optional
Optional partial casco combination NADOMESTNO VOZILO. Covers rental costs of a replacement passenger vehicle when the insured vehicle is destroyed or damaged due to any covered peril of the general or partial casco. Basic coverage: up to 10 rental days (up to 30 days for theft/robbery of whole vehicle); extended coverage: up to 40 days (including theft). Extended coverage requires repair at an insurer-contracted workshop. Costs of fuel and road tolls/infrastructure fees are excluded. Daily rental rate and km allowance must be specified in the policy.
SourceDriver Accident Insurance
Excluded
Driver personal accident coverage is NOT included in the casco product. It is available as a separate product: Nezgodno zavarovanje voznika in potnikov (accidental insurance of driver and passengers) or Zavarovanje voznika zaradi telesnih poškodb (AO-plus). The casco policy covers only material damage to the insured vehicle, not bodily injury to the driver.
SourceKey conditions
driver_age_experience_limit
No general minimum driver age is specified in the standard casco T&C. However, a separate add-on "Zavarovanje za mladega voznika" exists for drivers with less than 3 years of driving experience, which extends the standard general casco coverage for this increased risk. If the policy has not been extended for young drivers and a driver with fewer than 3 years of experience uses the vehicle, coverage may be reduced proportionally.
repair_network_requirements
The insured and policyholder are obliged to have the damaged vehicle repaired at the workshop directed by the insurer (Article 28). If they choose a different workshop, the insurer covers repair costs only up to the amount that would have been charged at the insurer-directed workshop. For extended replacement vehicle coverage, repair must be carried out at a contracted workshop.
territorial_scope
Coverage is valid throughout Europe in the geographical sense, unless otherwise specified in the policy (Article 20 of T&C 01-AKA-01/20). The IPID also confirms validity in the Republic of Slovenia and all Green Card system member countries, as listed on the international motor insurance card (Green Card), plus other countries listed in individual policy conditions.
anti_theft_requirements
For theft coverage under the partial casco KRAJA combination, stolen items (vehicle parts, tools, accessories) must have been fixed to the vehicle or locked inside it at the time of theft. Under the additional equipment, luggage and other items combination, items must be stored in a locked vehicle or secured with an anti-theft system. No specific anti-theft device installation requirement is stated for vehicle theft coverage itself.
claim_notification_deadline
The insured must notify the insurer of a loss event no later than 3 working days after becoming aware of it (Article 17 of T&C). For assistance cases, notification must be immediate by phone. In all cases prescribed by law (traffic accidents, fire, explosion, vehicle strike, burglary, vandalism, robbery) the police must also be notified immediately. Within 10 days of filing the claim, the insured must allow electronic data readout from the vehicle.
deductible_rules
A deductible (franšiza) may be agreed in the policy, expressed as a percentage of the premium calculation basis or as an absolute amount (Article 8). Under general casco, the deductible applies to all claims arising from: (1) traffic accidents, and (2) falling or striking objects. Under partial casco combinations, a deductible applies to: glass (STEKLO), lights and mirrors (SVETLOBNA TELESA IN OGLEDALA), animals (ŽIVALI), parking (PARKIRIŠČE), traffic (PROMET), and vehicle damage (POŠKODBA VOZILA). The deductible is waived when the damage is caused exclusively by a third party and is recovered via MTPL subrogation.
Where to buy
Documents
Splošni pogoji za zavarovanje avtomobilskega kaska 01-AKA-01/20 (velja od 3.1.2020)
terms_and_conditions
Splošni pogoji za kasko zavarovanje vozil 01-AKA-01/13 (starejša verzija)
terms_and_conditions
IPID – Dokument z informacijami o zavarovalnem produktu Avtomobilsko zavarovanje (Verzija 3.0, velja od 9.9.2024)
ipid
Policy specifics
Traffic Events Coverage
Coverage for direct damage from traffic accidents including collisions with other vehicles, obstacles, overturning and skidding off road
Partial CASCO Combinations
Coverage for specific risks including theft, parking damage, glass, hail, wildlife, spare vehicle, and other combinations
Bonus-Malus System
Premium adjustment based on claims history. Each year without claims provides 5% premium discount (bonus). Claims result in premium increase (malus).
Deductible (Excess) Percentage
Deductible expressed as a percentage of the claim amount, representing the share of damage the insured must cover
Deductible Waiver for Third Party Fault
Fixed deductible is waived when damage is exclusively caused by a third party (through third party motor liability insurance recovery)
Claims Notification Timeline
Insured must notify insurer within 3 days of learning about the claim event. Theft must be reported same day.
Repair Services Organization
Insurer organizes repair of damaged vehicle or provides alternative services. Fast claim processing available online.
Coverage Territory
Coverage valid in Republic of Slovenia and countries in Green Card system. Validity can be extended to other Green Card countries.