Sava
Sava is a motor casco insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
Zavarovalnica Sava pays the authorized repair service directly for approved claims; the insurer manages the entire assessment and payment process with the authorized repair network. The policyholder may choose their own repair shop (V1/V3) or allow the insurer to select (V2/V4), with payment processed directly by Sava.
Geographic scope
SI
Zavarovanje velja na geografskem območju Evrope, razen če ni drugače dogovorjeno. Razširitev kritja na območje izven Evrope je možna z doplačilom dodatne premije.
Unique selling points
- Four flexible casco tiers (Polni, Fleksi, Kasko totalka, Delni) allow policyholders to tailor coverage precisely to their needs and vehicle age, including a dedicated total-loss-only product for vehicles aged 5–15 years.
- Subrogacija+ add-on protects both the deductible and the policyholder's bonus in cases where Sava recovers more than 50% of the paid claim through subrogation against the liable party.
- Vehicles equipped with approved anti-theft tracking devices (e.g. Mul-T-Lock, GPS SOS) receive up to a 20% premium discount on theft coverage, directly rewarding investment in vehicle security.
- Pnevmatika+ add-on eliminates tyre depreciation deduction and covers both tyres on the same axle even when only one is damaged, providing superior tyre replacement terms compared to standard market conditions.
- Sava's own 24/7 roadside assistance network, operated in-house since 2018, covers driver and all passengers for accidents, breakdowns, vandalism, theft and key/fuel problems both domestically and abroad.
Coverage limits
Own damage (traffic accident, vandalism, hail, vehicle damage)
Covered
Full casco covers damage due to disappearance, destruction or damage to insured items caused by: traffic accident, vandalism, hail, and vehicle damage from storm, falling objects, snow avalanche, direct lightning strike, earthquake, landslide, flood, fire, sudden external thermal or chemical action, explosion, aircraft fall, manifestations/demonstrations, animals, and emergency action. The insurer pays the assessed damage in full, up to the insured value of the vehicle.
Total loss (complete destruction or economic total loss)
Covered
Total loss is established when the vehicle is actually destroyed, or when repair costs exceed 70% of the vehicle's Eurotax sale value at the time of the loss event (economic total loss), or in the event of theft of the entire vehicle (if separately agreed). Payout is based on the actual market value of the vehicle before the loss event per Eurotax methodology, minus the value of salvage parts.
Partial loss (repair costs)
Covered
Partial loss covers repair costs including disassembly, assembly and towing to the nearest workshop. No depreciation deduction is applied to replacement parts or paintwork, except for wear parts (tyres, battery, exhaust system, etc.). Included in Polni kasko and Fleksi kasko (where the relevant peril is selected); not covered under Kasko totalka, which covers only total loss.
Theft, burglary, robbery (combination T)
Optional
Coverage for burglary, robbery, aggravated theft and unauthorized use of the vehicle, including theft of vehicle components attached to the vehicle. Also covers theft of car keys and costs of full or partial lock replacement. Theft of the entire vehicle is considered occurred if the vehicle is not found within 30 days of the report to the competent authority. A deductible applies to combination T. Must be reported to police.
Glass, lighting and mirror damage (combination J / combination E)
Optional
Combination J covers damage to built-in glass, lighting fixtures and mirrors due to breakage, damage or theft of those components (max 3 claims per policy year). Combination E covers only breakage or damage to built-in glass. Both combinations are available with or without a deductible. No cover for damage resulting from theft of the entire vehicle. Can be added to Polni kasko, Fleksi kasko, or Kasko totalka.
Natural perils (storm, flood, earthquake, lightning, landslide, hail, etc.)
Covered
Included in Polni kasko: damage from storm (wind speed ≥ 17.2 m/s, Beaufort 8), falling or impact of objects, snow avalanche, direct lightning strike, earthquake, landslide, flood/torrent/high water, fire, sudden external thermal or chemical action, explosion, aircraft fall, animals and rodents. Hail is also explicitly covered as a separate named peril. Payout is up to the insured value of the vehicle.
Vandalism
Covered
Included in Polni kasko. Defined as violent, wanton or malicious acts by third parties. Excludes damage from falling or striking objects and damage from manifestations/demonstrations (which are covered as separate perils). Not included in Kasko totalka. Deductible applies unless waived.
Roadside assistance (24/7)
Optional
24-hour free roadside assistance available as an add-on (Zavarovanje avtomobilske asistence) covering: consequences of traffic accident, vehicle breakdown, vandalism, vehicle damage, vehicle theft, key problems and fuel problems. Assistance covers the driver and all passengers in the insured vehicle. Available 24/7, both domestically and abroad. Multiple assistance tiers available (e.g. I, I-plus, I-premium via combination I). Not included in the base Polni kasko premium – must be separately subscribed.
Replacement vehicle hire (combination I / I-plus / I-premium)
Optional
Combination I: covers rental of a replacement personal vehicle of the same category (up to 2,000 cc, 100 km/day limit) for the duration of repair time per Eurotax norms; in case of total loss or theft, up to 10 days. Combination I-plus: same as I but up to 2,200 cc, no km limit, and up to 30 days in total loss/theft cases. Combination I-premium: covers up to 4 days for traffic accident or vehicle breakdown only; vehicle must be ≤ 4 years old and breakdown must occur in Slovenia. Insurer does not guarantee availability of a specific vehicle class but is obliged to cover the rental cost.
Driver accident cover (Zavarovanje voznika za škodo zaradi telesnih poškodb / Nezgodno avtomobilsko zavarovanje)
Optional
Not included in the base casco policy. Available as a separate add-on: 'Zavarovanje voznika za škodo zaradi telesnih poškodb (AO-plus)' covers bodily injury and death of the driver as the at-fault party in a traffic accident. 'Nezgodno avtomobilsko zavarovanje' covers drivers, passengers and workers for invalidity, death, daily allowance and hospital days. Both are separate products linked to the motor insurance package.
Key conditions
driver_age_experience_limit
No explicit minimum driver age is stated in the casco general or special conditions. However, coverage exclusion applies if the driver did not hold a valid driving licence for the relevant vehicle category. A separate 'MladiVoznik' product is available for drivers with fewer than 3 years of driving experience (or driving with an accompanying driver), which extends casco coverage without a premium surcharge for the young driver.
repair_network_requirements
Repairs must be carried out in the Republic of Slovenia only. Repairs abroad require prior written consent from the insurer. Four repair methods are available (V1–V4): original parts with workshop chosen by policyholder (V1), original parts with workshop chosen by insurer (V2), equivalent-quality parts with workshop chosen by policyholder (V3), equivalent-quality parts with workshop chosen by insurer (V4). If the agreed repair method is not followed, the insurer's payout is reduced by the percentage difference between the premium paid and the premium that should have been paid. Sava's authorized repair network provides fast damage assessment (Quick-Check).
territorial_scope
Unless otherwise agreed in the insurance contract, the insurance is valid while the insured vehicle is within the geographical area of Europe. Extension of coverage to areas outside Europe is possible upon payment of an additional premium. The IPID states that cover applies in the Republic of Slovenia and countries that are signatories to the Agreement between National Insurance Bureaux of EEA member states and other associated members (Green Card countries) as well as other countries as stated in the individual conditions.
anti_theft_requirements
For theft coverage (combination T), it is considered that burglary/theft has not occurred if the policyholder cannot provide all original and spare vehicle keys. Gross negligence by the policyholder or co-insured person excludes coverage. Vehicles equipped with approved anti-theft devices (e.g. Mul-T-Lock, Defend-Lock, SQ Track, Track8, SLEDENJE, GPS SOS) qualify for a 20% premium discount; vehicles with devices (Haicom HI-601 VT, G 19-B, Autrace, Easytracker, Teltronika, Ruptela) qualify for a 10% discount on combination T.
claim_notification_deadline
The policyholder must notify the insurer of the loss event as soon as possible but no later than 3 days after learning of it. In cases determined by applicable regulations – particularly fire, explosion, vandalism, theft and traffic accidents – the nearest police station must also be notified immediately. The insurer must commence damage assessment within 3 working days of receiving the claim. For theft, the insurer pays the claim no earlier than 14 days after receiving the policyholder's request, provided the event has been reported to the competent authority.
deductible_rules
The deductible (odbitna franšiza) can be set as a percentage of the insured value of the vehicle on the day of loss assessment, as a percentage of the calculated indemnity, or as a fixed amount. The casco policy can be concluded with or without a deductible – the policyholder selects this at inception. For Kasko totalka, no deductible applies for most perils, but theft of the entire vehicle carries a fixed deductible of EUR 500. For combinations D, H, T the deductible applies as agreed. The deductible is waived (and the claim treated as if not filed) if the insurer recovers the full paid indemnity plus costs and interest via subrogation. The Subrogacija+ add-on extends this waiver to cases where the insurer recovers more than 50% of the indemnity. A bonus-buyback add-on (odkup prve škode) is available for premium grades 1–14 to protect the policyholder's bonus on first claim.
Where to buy
Documents
Splošni pogoji za zavarovanje avtomobilskega kaska AK 01/17
terms_and_conditions
Posebni pogoji za zavarovanje avtomobilskega kaska – osebna vozila AK-OV 01/17
terms_and_conditions
IPID VOZ 01/22 – Zavarovanje motornih vozil
ipid
Produktna mapa – avtomobilska zavarovanja (Zavarovalnica Sava)
benefits_table
Policy specifics
Deductible (Odbitna franšiza)
Policyholder's co-participation in claim costs, typically ranging from 0.5% to 8% of vehicle value or fixed amount
Vehicle repair location
Vehicle repairs allowed only in Republic of Slovenia unless prior written consent from insurer obtained for repairs abroad
First risk coverage
Insurer pays full ascertained damage up to the agreed sum insured for first-risk coverage
24-hour roadside assistance
24-hour free roadside assistance available in case of traffic accident, mechanical breakdown, vandalism, theft, vehicle damage or key/fuel problems
Glass coverage
Coverage for damage to built-in windows, lighting fixtures and mirrors on insured vehicle due to breakage, damage or theft of these components
Vehicle registration requirement
Insurance is intended for owners of automobiles who wish to register and use their vehicle in traffic
Bonus-Malus system
Premium discount (bonus) or surcharge (malus) determined by number of claims in past period, typically last 3 calendar years
Authorized service network
Authorized Sava repair service network provides fast damage assessment and repairs; Sava handles assessment costs and payment processing
Policy term and renewal
Insurance contracts concluded for one-year period and automatically renewed each year unless cancellation notice provided