Groupama Casco (own-damage car insurance) (Varen Avto Splosni Kasko)
Underwritten by Groupama Biztosító Zrt. Zavarovalnica, podružnica · Slovenia
casco (own-damage car insurance) from Groupama for the Slovenia market.
Verified Aug 22, 2026 · Terms dated 2024-09-01Sources
Key facts
- Groupama
Unique selling points
The optional 'Ekstra nadomestno vozilo – Backup car' add-on to MTPL gives up to 10 days of free replacement car after a traffic accident claimed under MTPL, whether you caused the accident or were the injured party.
The free 'Drive angel' mobile app, included with the optional GROUPAMA Asistenca package, warns drivers about speeding, excessive in-car noise and driving without rest breaks, and lets them share their route with others.
Policyholders can freely combine up to ten separate partial-casco modules (fire & natural hazards, theft, glass, lights, animals, parking damage, key theft, replacement vehicle) alongside general casco to tailor cover to their needs.
The deductible can be freely selected between 0.5% and 8% of the vehicle's new-purchase value, letting customers trade premium cost against out-of-pocket risk.
An optional machinery-breakdown extension (STR) protects work vehicles' drive engines and equipment against sudden mechanical or electrical breakdowns not covered by standard casco perils.
Coverage limits
Own Damage (General Casco – SK)
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.
Section: SPLOŠNI AVTOMOBILSKI KASKO - ZAVAROVANE NEVARNOSTI > 3. člen
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
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.
Section: UGOTAVLJANJE VIŠINE ŠKODE > 14. člen
uničenja ali tatvine zavarovane stvari (popolna škoda) - po dejanski vrednosti zavarovane stvari na dan ugotavljanja višine škode, zmanjšani za tržno vrednost rešenih ostankov
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.
Section: UGOTAVLJANJE VIŠINE ŠKODE > 14. člen
poškodovanja zavarovane stvari (delna škoda) - po višini stroškov popravila, zmanjšani za vrednost ostankov delov, ki se zamenjajo.
Vehicle Theft (KV)
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).
Section: DELNI AVTOMOBILSKI KASKO > 4. člen > Kombinacija kraje vozila – KV
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
Glass Damage (S)
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.
Section: DELNI AVTOMOBILSKI KASKO > 4. člen > Kombinacija steklo - S
Zavarovanje krije škodo na vozilu zaradi razbitja ali poškodovanja standardno vgrajenega stekla; Ni krita škoda na svetlobnih telesih in vzvratnih ogledalih
Fire and Natural Hazards (PN)
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).
Section: DELNI AVTOMOBILSKI KASKO > 4. člen > Kombinacija požarne nevarnosti in naravne nesreče – PN
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
Vandalism / Third-Party Malicious Acts (SK2)
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.
Section: SPLOŠNI AVTOMOBILSKI KASKO - ZAVAROVANE NEVARNOSTI > 3. člen
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
Towing and Related Costs
€5K
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.
Section: STROŠKI V ZVEZI Z ZAVAROVALNIM PRIMEROM > 15. člen
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.
Replacement Vehicle (NV)
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).
Section: DELNI AVTOMOBILSKI KASKO > 4. člen > Kombinacija nadomestno vozilo – NV
V primeru poškodovanja zavarovanega vozila zavarovalnica krije stroške najema osebnega vozila za čas, ki je potreben za popravilo vozila... vendar največ za 6 dni.
Driver and Passenger Accident Cover
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.
Key conditions
Driver age and experience limit
A driver with less than three years of driving experience, or driving with a supervising instructor as required by law, is treated as an increased risk requiring an additional premium; experience is counted from the date the relevant category of driving licence was first obtained.
Repair network requirements
The insurer directs the policyholder to a specific contracted repair workshop; if the policyholder chooses a different workshop, the insurer reimburses repair costs only up to the amount that would have applied at the workshop it designated.
Anti-theft requirements
Theft claims are paid only if the policyholder surrenders all original and spare vehicle keys or electronic locking/starting devices, together with the original vehicle registration certificate, to the insurer; theft must also be reported immediately to the police.
Claim notification deadline
The insurer must be notified within 3 days of the policyholder becoming aware of the insured event; if the initial notice was not given in writing, it must be confirmed in writing within a further 3 days.
Deductible rules
A deductible (franchise), agreed as a percentage of the vehicle's new-purchase value at the inception of the insurance contract, reduces the insurer's payout for claims arising from a traffic accident, and for the second and every subsequent claim arising from impact or falling objects, or from violent or aggressive third-party acts (vandalism); for SK1 traffic-related events the policyholder may select a deductible of 0.5%, 1%, 2%, 4% or 8%.
SourceClause 13. členPage 8Section: SOUDELEŽBA ZAVAROVANCA PRI ŠKODI (ODBITNA FRANŠIZA) > 13. člen
Dajatev zavarovalnice se zniža v primeru, da škoda nastane zaradi prometne nesreče. Dajatev zavarovalnice se zniža tudi v primerih drugega škodnega primera in vsakega naslednjega škodnega primera iz naslova udarca in padca predmetov in iz naslova nasilnih ali agresivnih dejanj tretjih oseb, objestnosti.
Direct payment
For repairs carried out at the workshop to which the insurer directs the policyholder, costs are settled directly with that contracted workshop; if the policyholder chooses a different workshop, the insurer reimburses only up to the amount that would have been charged by the workshop it designated.
Territorial scope
Cover applies in the Republic of Slovenia, EU member states, and countries whose national insurance bureaus are signatories to the Green Card / Multilateral Agreement; cover can be extended to other countries by special agreement and payment of additional premium.
Documents
General Terms and Conditions for Motor Casco Insurance (AKGP-01/24) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document – Vehicle Insurance (IPID-SL-ZV241) (opens in a new tab)
Product information sheet · PDF
Varen Avto Product Page (opens in a new tab)
Other document · PDF
Policy specifics
Comprehensive Casco Coverage Perils
General casco (Splošni kasko, SK) covers damage while driving or at rest (traffic accident, collision, overturning, falling objects), acts of third parties and special events. Fire and natural hazards (PN), vehicle theft (KV), parking and snow (P), lights (L), replacement vehicle (NV), machinery breakdown (STR) and additional equipment (DK1) are optional partial-casco combinations that can be added.
SourceClause 4. členPage 3Section: DELNI AVTOMOBILSKI KASKO - ZAVAROVANE NEVARNOSTI > 4. člen
Kombinacija parkirišče in snežne gmote – P Zavarovanje po tej kombinaciji se lahko sklene le skupaj z zavarovanjem splošnega avtomobilskega kaska - SK istega vozila, ki je sklenjeno pri Groupama zavarovalnici, podružnici, razen, če ni dogovorjeno drugače.
Vehicle Valuation for Insured Sum
The insured sum for motor casco insurance is determined using new purchase value methodology. For vehicles older than the agreed depreciation period, adjusted values are applied based on the vehicle's age and condition.
SourceClause 12. členPage 8Section: VREDNOSTNA OSNOVA ZA DOLOČITEV PREMIJE > 12. člen
Za določitev zavarovalne premije predmeta zavarovanja se upošteva nabavna vrednost nove zavarovane stvari, skupaj z dodatno opremo, na dan sklenitve ali obnove zavarovanja
Geographic Scope of Coverage
The Comprehensive Motor Casco insurance is valid in the Republic of Slovenia and, if specified in the individual insurance conditions, also in countries that are signatories to the agreement between national insurance bureaus of EU member states and other associated members (as defined in the General Rules - Green Card), as well as in the territory of other countries.
SourcePage 2Section: Kje velja zavarovanje?
To zavarovanje je veljavno v Republiki Sloveniji ter če je to navedeno v Splošnih pogojih za posamezno zavarovanje tudi v državah, ki so podpisnice sporazuma med nacionalnimi zavarovalnimi biroji držav članic Evropskega gospodarskega prostora in drugih pridruženih članic, kot je opredeljeno v Splošnih pravilih (zelena karta), ter območju ostalih držav.
Replacement Vehicle (Nadomestno vozilo)
Optional partial-casco combination NV (only with general casco): hire of a replacement car for up to 6 days while the vehicle is repaired, or up to 11 days after total loss or theft. The separate 'Ekstra nadomestno vozilo – Backup car' (ENV) is an add-on to MTPL, not to casco.
SourcePage 2Section: Kaj je zavarovano? > Ekstra nadomestno vozilo (ENV) "Backup car"
Ekstra nadomestno vozilo (ENV) "Backup car": sklene se lahko kot dodatno zavarovanje ob zavarovanju avtomobilske odgovornosti. Kritje omogoča brezplačno uporabo nadomestnega vozila do (ali dodatno do) 10 dni v primeru poškodbe vozila zavarovanca v prometni nesreči.
Technical Roadworthiness Requirement
The vehicle must be in technically sound condition. Coverage may be affected if the vehicle lacks a valid technical inspection certificate or does not comply with applicable technical equipment requirements.
SourceClause 10. členPage 8Section: IZGUBA ZAVAROVALNIH PRAVIC > 10. člen
če vozilo, ki ga je vozil voznik, ni bilo tehnično brezhibno. Šteje se, da vozilo ni bilo tehnično brezhibno, če ni imelo veljavnega tehničnega pregleda ali če pri njegovi uporabi niso bili upoštevani veljavni predpisi o potrebni tehnični opremljenosti vozila
Claim Notification and Duty to Mitigate
The policyholder must notify Groupama of an insured event within 3 days of becoming aware of it. If stolen items are located, the policyholder must immediately act to identify and recover them and inform the insurer. Failure to notify or cooperate may result in reduced or denied claims.
SourcePage 2Section: Kakšne so moje obveznosti?
če odkrijem, kje so ukradene stvari, moram takoj ukrepati, da ugotovim njihovo istovetnost in jih čim prej pridobim nazaj, ter o tem nemudoma obvestim zavarovalnico
Deductible (Franchise)
A deductible applies to motor casco claims, representing the amount the policyholder must bear for each claim. The deductible amount is specified in the insurance policy and conditions.
SourceClause 13. členPage 8Section: SOUDELEŽBA ZAVAROVANCA PRI ŠKODI (ODBITNA FRANŠIZA) > 13. člen
Če je v zavarovalni pogodbi dogovorjeno, da zavarovanec sam nosi del škode, se dajatev zavarovalnice zniža za dogovorjeni znesek soudeležbe zavarovanca pri škodi (franšiza).
Authorized Workshop Requirement
For optimal coverage and claim processing, vehicle repairs should typically be performed at authorized workshops listed in Groupama's network of contracted service providers.
SourceSources
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/SLO_IPID_Zavarovanje%20vozil_24_9-24_final.pdf?vel=391261#page=2(opens in a new tab)
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/Splo%C5%A1ni%20pogoji%20AK_25_10-24.pdf?vel=156202#page=12(opens in a new tab)
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/Splo%C5%A1ni%20pogoji%20AK_25_10-24.pdf?vel=156202#page=2(opens in a new tab)
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/Splo%C5%A1ni%20pogoji%20AK_25_10-24.pdf?vel=156202#page=3(opens in a new tab)
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/Splo%C5%A1ni%20pogoji%20AK_25_10-24.pdf?vel=156202#page=8(opens in a new tab)
- groupama.sihttps://www.groupama.si/UserDocsImages/Obrazci%20SLO/Splo%C5%A1ni%20pogoji%20AK_25_10-24.pdf?vel=156202#page=9(opens in a new tab)