Groupama Biztosító Zrt. – Insurance Company, Slovenia Branch (Groupama Zavarovalnica)

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.

Territorial scope

Cover applies in Slovenia, EU member states and countries whose national insurance bureaus have signed the Green Card/Multilateral Agreement; extension to other countries requires a special agreement and additional premium.

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, applies per claim and reduces the insurer's payout accordingly; for SK1 traffic-related events the policyholder may choose a deductible of 0.5%, 1%, 2%, 4% or 8%.

Comprehensive Casco Coverage Perils

The Comprehensive Motor Casco (Splošni kasko) covers damage during driving, at rest, traffic accidents, natural disasters, and special events. Key covered perils include fire and natural hazards, vehicle theft, damage at parking, lights and light fixtures, replacement vehicle, machinery breakdown, and additional equipment.

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.

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.

Replacement Vehicle (Nadomestno vozilo)

Optional coverage that provides access to a replacement vehicle during repairs following a covered loss. Can be arranged separately as the 'Extra Replacement Vehicle - Backup Car' option.

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.

Claim Notification and Duty to Mitigate

The policyholder must notify Groupama of an insured event as soon as possible. In case of theft or robbery, the policyholder must immediately take action to identify and recover stolen items. Failure to notify or cooperate may result in reduced or denied claims.

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.

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.