GRAWE Casco (own-damage car insurance) (Grawe Kasko)

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).

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).

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)).

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.

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.

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.

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.

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).

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.