Triglav
Triglav is a motor casco insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
Triglav pays for repairs directly to contracted service workshops when the policyholder chooses a contracted Triglav workshop; for non-contracted workshops the insured receives reimbursement after submitting invoices.
Geographic scope
SI
Veljavnost zavarovanja na območju Evrope v geografskem smislu, razen če je v polici dogovorjeno drugače. Z dodatno premijo se kritje razširi izven geografskega območja Evrope.
Unique selling points
- New vehicle value replacement without depreciation for cars under one year old in case of total loss or theft.
- Luggage and personal items covered as part of general CASCO with no deductible, up to EUR 30,000 per vehicle per incident.
- Partial CASCO combinations (hail, theft, glass, parking damage, animals, lights) have no deductible and their claims do not affect the no-claims bonus class.
- 24/7 roadside assistance available across geographical Europe, reachable at freephone 080 2864 from Slovenia, with three coverage tiers (MINI, PLUS, COMFORT).
- Option to buy off the first claim each year to preserve the no-claims bonus class, available to policyholders in premium class 14 or lower.
Coverage limits
Own damage (general CASCO – traffic incidents)
Covered
Covers damage or destruction of the insured vehicle resulting from sudden, surprising events independent of the driver's will occurring in traffic and at standstill: traffic accident, collision, overturning, sliding, falling, impact/fall of an object/snow/ice on the vehicle, vessel submersion, violent or wanton acts of third parties, demonstrations/manifestations (permitted by authorities), fall of aircraft, emergency actions. Payout up to the insured value of the vehicle on the day of loss assessment.
Total loss (complete destruction or theft)
Covered
In case of total loss (complete destruction or theft), the insurer pays the actual value of the insured item on the day of loss assessment, reduced by the market value of salvage parts. For personal vehicles of category M1/M1G (limousine, hatchback, estate, coupe, convertible, pick-up) less than one year old from first registration, payment equals the new purchase value on the day of loss assessment, reduced by purchase discounts, without deduction for age-based depreciation.
Partial loss (vehicle damage)
Covered
Covers repair costs for damaged parts, including disassembly, assembly and transport costs. New replacement parts and repainting costs are not reduced for depreciation of replaced parts (except tyres, batteries, exhaust systems, canvas roofs, crawler tracks, drive batteries). Insurer pays for repair of damaged parts; if repair is not possible or directly affects safety/warranty, damaged parts are replaced with new ones.
Theft and robbery (partial combination K)
Optional
Optional partial combination K covers damage due to ordinary theft, break-in theft, and robbery theft, as well as unlawful seizure of the vehicle for use. Also covers costs of key/lock replacement in case of key theft or loss, and rental car costs (up to 30 days, same category vehicle) in case of total theft. Combination K can only be purchased together with general CASCO or MTPL (AO). No deductible applies to this combination.
Glass damage (partial combination E)
Optional
Optional partial combination E covers damage to standardly installed glass (including sensors and heating elements) in the insured vehicle due to breakage or damage. Glass may also be hard plastic. Does not cover damage to glass in light fixtures and mirrors due to breakage or damage. Can be taken out without general CASCO. No deductible.
Natural perils and fire hazards (partial combination B)
Covered
Optional partial combination B covers damage from: fire, earthquake, direct lightning strike, indirect lightning strike (EV/PHEV only, when charging), sudden external thermal/chemical action, explosion, storm (wind ≥17.2 m/s or 62 km/h, Beaufort 8), hail, snow avalanche, landslide, flood, torrential or high water. Can only be taken together with general CASCO or MTPL (AO). No deductible. Exclusions include electrical installation overheating/melting (unless fire develops), sewage water, flood-zone driving, prolonged chemical/thermal/mechanical effects (corrosion, aging), nuclear reaction.
Vandalism and acts of third parties
Covered
General CASCO includes cover for violent or wanton acts of third parties, and damage from manifestations/demonstrations permitted by competent state authorities. This is part of the standard general CASCO perils under Article 4 of PG-aka/25-9.
Roadside assistance (MINI / PLUS / COMFORT)
Optional
Roadside assistance is available as an optional add-on (MINI, PLUS, or COMFORT tiers, must be taken with MTPL/AO). Assistance center reachable 24/7 at 080 2864 (Slovenia) / +386 2 222 2864 (abroad). MINI tier covers: on-site help, towing/transport up to EUR 1,000 per incident, fuel delivery, rescue up to EUR 500, key help, transport of insured persons up to EUR 500, parts delivery abroad, temporary storage. PLUS tier covers towing up to EUR 2,000, transport of insured up to EUR 1,000, replacement vehicle up to 5 days, hotel 3 nights, deputy driver abroad. COMFORT tier covers towing with no sub-limit, replacement vehicle up to 45 days (contracted workshop) or 8 days (other), and additional comfort benefits.
Replacement vehicle (rental car)
Optional
Under general CASCO combined with partial combination K (theft): if the personal car is stolen in total or is damaged after theft, the insurer covers rental car costs up to 30 days until payout, for a vehicle of the same category (considering local availability). Rental is organized by the insurer. Does not cover fuel, tolls, parking, or additional insurances (except mandatory ones in the rental contract). Under roadside assistance PLUS: replacement vehicle for up to 5 days when vehicle cannot be repaired same day. Under COMFORT: up to 45 days at contracted workshop, or 8 days at other.
Driver accident insurance (AO-plus)
Optional
Driver accident coverage (AO-plus) is an optional separate product covering legally recognized damage (including non-material damage) suffered by the driver due to bodily injury in a traffic accident for which the driver is at fault. Payout limit is the insured sum agreed in the policy. Lump-sum funeral cost payment of EUR 3,500. Must be taken together with MTPL (AO) at Triglav. Not covered: fear damage, bruises/grazes, clothing/luggage, accidents covered by a liable third party who can pay.
Key conditions
driver_age_experience_limit
Drivers with less than 3 years of driving experience (counted from date of first obtaining the relevant driving licence category) or drivers driving with a supervisor in accordance with legislation are classified as increased risk and require an additional premium surcharge under PG-aka/25-9 Article 7. Failure to pay this additional premium entitles the insurer to reduce the payout proportionally.
repair_network_requirements
The policyholder must follow the insurer's choice of workshop for vehicle repairs (Article 25(3) PG-aka/25-9). Use of Triglav contracted or authorised brand workshops may result in reduced deductible or other benefits (e.g. direct billing). Repairs at non-contracted workshops are covered but cost exceeding what a comparable contracted workshop would charge is not reimbursed (Article 8(4) PG-aka/25-9).
territorial_scope
Insurance is valid throughout geographical Europe unless otherwise agreed in the policy. Cover may be extended beyond geographical Europe for an additional premium (Article 3 and Article 6 PG-aka/25-9).
anti_theft_requirements
For partial combination K (theft), the insurer does not cover theft if the policyholder left the vehicle unlocked with the engine running in a public place (gross negligence). A discount of up to 20% is available when the vehicle has a certified installed alarm system (combination K). Theft by a person to whom the policyholder entrusted the vehicle (embezzlement/zatajitev), relatives in direct line, household members, or employees is excluded.
claim_notification_deadline
After occurrence of an insured event, the policyholder must take all possible steps to reduce damage and prevent further loss, follow insurer's instructions, and preserve evidence. The insurer must begin damage assessment within 3 days of receiving the claim notification (Article 26 PG-aka/25-9). Theft of the entire vehicle must also be reported to the police in the Republic of Slovenia, including if the theft occurred outside Slovenia (Article 25(1)(2) PG-aka/25-9).
deductible_rules
If a deductible (odbitna franšiza) is agreed in the policy, the insurer's payout is reduced by that agreed amount. The deductible does NOT apply to: (a) general CASCO perils of violent/wanton acts of third parties and special events (Article 4(1) items 2 and 3); (b) partial combinations B, D, E, H, J and K; (c) damage to insured luggage/equipment items under Article 2(5). Partial combination claims do not result in loss of accumulated no-claims bonus. Deductibles are expressed in absolute EUR amounts.
Where to buy
Policy specifics
General CASCO coverage (traffic incidents)
Comprehensive coverage for damage or destruction of vehicle from unexpected events independent of driver control, including traffic accidents, theft, natural disasters, and third-party actions
Partial combination B - Fire hazards and natural disasters
Optional partial coverage for damage from fire, earthquake, direct lightning strike, indirect lightning strike, sudden external thermal or chemical action, explosion, storm, hail, snow or soil slides, flood, torrential or high water
Partial combination K - Theft protection
Coverage for ordinary theft, break-in theft, and robbery theft, as well as illegal vehicle seizure, and costs of lock replacement in case of theft or loss of car keys
Replacement car rental costs
General CASCO coverage includes rental car costs if vehicle is damaged, destroyed or stolen, allowing policyholder to rent replacement vehicle during repair period
Deductible (franchise) amounts
General CASCO typically has a standard deductible; partial combinations B, E, H, J, D do not have deductibles. Combination K (theft) has no deductible.
Authorized repair network
Insured vehicle must be repaired at authorized/contracted service centers of Triglav insurance company to obtain benefits
New vehicle value replacement condition
In case of total loss (complete destruction or theft), insurance pays amount equal to new vehicle value for vehicles less than one year old from first registration
Luggage and equipment coverage
General CASCO and partial combinations B and K also cover luggage, baggage carriers, and equipment in or on vehicle, including clothing, suitcases, bags, car seats, cameras, phones, laptops, sports equipment, musical instruments, personal documents, roof boxes, carriers, and materials for professional use
Bonus (no-claims discount) conditions
Bonus classification determined by premium class and number of claims reported in previous insurance period. Annual bonus reduction of 5 percentage points if policy ran more than 9 months without claims.