Triglav Casco (own-damage car insurance) (Avtomobilski Kasko)

General casco covers destruction or damage to the insured vehicle resulting from sudden, unforeseen events independent of the driver's or policyholder's will, including traffic accidents, collisions, overturning, skidding, falls, objects/snow/ice falling on the vehicle, submersion, violent or malicious third-party acts, permitted demonstrations, aircraft crash, and rescue/damage-prevention actions. The insurer pays the assessed loss up to the value of the insured item on the day the loss amount is determined (agreed sum insured is the ceiling)

In case of destruction or theft (total loss), the loss is valued at the actual value of the insured item on the day of assessment, reduced by the market value of salvage. For personal cars of type sedan, hatchback, estate, coupe, convertible and pick-up (categories M1 and M1G) younger than one year from first registration, the insurer pays the new purchase value without deducting age-related depreciation. If the agreed sum insured is lower than the item's value (underinsurance), the payout is reduced proportionally

For partial damage, the insurer pays the cost of repair (including disassembly, assembly and transport costs) reduced by the value of replaced remains; no deduction is made for reduced value of new replacement parts due to depreciation, except for tyres, battery, exhaust system, canvas roof/cover, tracks, or drive batteries where wear is deducted

Optional Combination K covers damage from ordinary theft, burglary theft, robbery theft, robbery, and unlawful taking of the vehicle for use. By default this combination can only be concluded together with General Casco for the same vehicle, unless otherwise agreed. Also covered: accidents or mechanical breakdown occurring after the theft/robbery, and costs for making new keys or electronic access devices (including coding) and partial or full lock replacement after theft or loss of keys. Excluded: theft by a person entrusted with the vehicle, a close relative/household member, or an employee of the insured, and cases of gross negligence

Optional Combination E covers breakage or damage to standard-fitted glass of the insured vehicle (including sensors and heating elements); glass may also be of rigid plastic. Breakage or damage to glass of external lights and mirrors is not covered under this combination (covered separately under Combination J)

Optional Combination B covers destruction or damage from fire, earthquake, direct or indirect lightning strike, sudden external thermal/chemical action, explosion, storm (wind of at least 17.2 m/s), hail, snow avalanche, landslide, flood, torrent or high water. By default this combination can only be concluded together with General Casco for the same vehicle, unless otherwise agreed. With additional premium, cover can be extended to water-hazard exposure, sinking on marshy ground, and avalanche/landslide rescue work

General Casco includes cover for violent or malicious acts of third parties and damage from permitted demonstrations without requiring a separate combination. No deductible (franchise) applies to claims arising from these perils

Casco insurance covers towing, transport or rescue costs for a damaged or destroyed vehicle when ordered or approved by the insurer, up to EUR 5,000 per claim event. This is distinct from Triglav's separate motor assistance add-on products (MINI/PLUS/COMFORT), which attach to the mandatory MTPL policy rather than to Casco

For personal cars insured under Combination K, in the event of total theft of the vehicle (or an accident/breakdown following theft/robbery), the insurer covers rental of a replacement personal car of at most the same category as the insured car, for a maximum of 30 days or until payout of the claim, whichever is earlier. The rental is organized by the insurer; fuel, road-toll charges and optional extra insurance (other than those contractually mandatory) are not covered. This benefit does not apply to vehicles used for rental business