Zavarovalnica Triglav, d.d.

Driver age and experience limit

A driver with fewer than 3 years of driving experience, or a learner driver accompanied per legal requirements, constitutes an 'increased risk' that raises the casco premium according to the premium price list (driving experience counts from the date the appropriate driving licence category was first obtained)

Repair network requirements

The insurer pays repair costs directly to its own contracted repair shops when the policyholder chooses one; the insurer does not reimburse repair costs that exceed the rates of comparable contracted workshops if the higher cost results from the insured's own choice, and the insured must accept the insurer's choice of repair shop for the vehicle repair

Territorial scope

Coverage applies while the insured vehicle/items are within the geographic area of Europe; extension outside Europe is possible only if specifically agreed and an additional premium is paid

Anti-theft requirements

There is no mandatory anti-theft device requirement stated in the general terms for theft cover (Combination K) itself, but the insurer offers a premium discount for vehicles fitted with a certified alarm system when Combination K is taken out

Claim notification deadline

After receiving notice of a claim, the insurer must begin assessing and determining the loss within 3 days; the insured must do everything possible to reduce the damage and prevent further loss, and must report vehicle theft to the Slovenian police even if the theft occurred entirely outside Slovenia

Deductible rules

The deductible (franchise) is an agreed absolute amount that the insured bears per claim under General Casco. It does NOT apply to: claims from third-party violent/malicious acts and special events (aircraft crash, rescue actions) under General Casco, partial casco combinations B, D, E, H, J and K, or luggage/equipment claims, unless otherwise agreed in the policy

Comprehensive (General) Casco Coverage

Coverage for damage or destruction of the insured vehicle resulting from sudden, unforeseen events independent of the driver or policyholder, including traffic accidents, fire, theft, natural disasters, vandalism, and third-party actions

Theft Protection (Combination K)

Coverage for ordinary theft, burglary theft, and robbery of the insured vehicle, as well as unauthorized appropriation of the vehicle and costs of key replacement in case of theft or loss of vehicle keys

Fire and Natural Disasters Coverage (Combination B)

Optional coverage for damage from fire, earthquake, direct lightning strike, indirect lightning strike, sudden external thermal or chemical exposure, explosion, windstorm, hail, snow landslide, flood, torrent or high water

Luggage and Personal Items Coverage

Not established from the insurer's documents

Coverage for luggage and personal items in the vehicle, up to EUR 30,000 per vehicle per loss event, without a deductible within comprehensive (general) casco coverage

Replacement Vehicle Rental Costs

Coverage for rental car costs (up to EUR 1,600 cc engine capacity) up to 10 days or until purchase of replacement vehicle when insured vehicle is destroyed, with actual mileage reimbursement up to 100 km per day

Deductible (Franchise)

Policyholder's contribution to each claim; standard deductibles apply to General Casco claims but NOT to partial coverage combinations (B, D, E, H, J, K), violence/special events, or luggage coverage

New Vehicle Replacement Value Guarantee

In case of total loss or theft of comprehensive casco-insured vehicle, insurer pays compensation equal to the new vehicle value (without depreciation) for vehicles younger than one year from first registration date

Bonus-Malus System (Claims History Discount)

Discount or premium increase based on number of reported claims in previous insurance period; claims from partial coverage combinations (except theft) do not trigger bonus loss

Authorized Repair Shop Network Terms

Not established from the insurer's documents

Insurer pays repair costs directly to authorized Triglav repair shops when policyholder chooses contracted service provider; for non-contracted shops, reimbursement is made on invoice submission basis

Geographical Coverage Validity

Insurance coverage applies while insured vehicles are within Europe (geographical boundaries). Coverage can be extended outside Europe with additional premium payment

Claims Notification and Assessment Timeline

Insurer must begin damage assessment and evaluation within 3 days of receiving claim notice; policyholder must take all reasonable steps to prevent further damage upon occurrence of insurable event