Sava Casco (own-damage car insurance) (Avtomobilski Kasko)
Underwritten by Zavarovalnica Sava, d.d. · Slovenia
casco (own-damage car insurance) from Sava for the Slovenia market, with online purchase and 24/7 assistance.
Last verified Aug 22, 2026Sources
Unique selling points
Offers a modular 'Fleksi kasko' that lets customers assemble cover peril-by-peril instead of buying full casco, making it the most cost-efficient option for those who don't need complete coverage.
Provides a dedicated E-vozilo cover for electric and plug-in hybrid vehicles protecting the battery, electronics and charging cable against indirect lightning strikes while charging.
Grants a 10-20% premium discount on theft cover for vehicles fitted with approved anti-theft or GPS tracking devices.
Offers fast, insurer-managed damage assessment through its own authorized repair network, which takes over the vehicle and lets Sava settle the repair bill directly.
Optional 24/7 roadside assistance (included in the Premium and Osnovni packages) covers accidents, breakdowns, vandalism, theft and key or fuel problems at home and abroad.
Coverage limits
Own vehicle damage
100% of insured sum
Full and general casco cover damage from destruction or damage to the insured vehicle caused by traffic accidents, vandalism, hail or other vehicle damage, paid on a first-risk basis up to the agreed sum insured.
Section: Kaj je zavarovano? > Kasko zavarovanje
Pri polnem in splošnem kasku je krita škoda zaradi izginitve, uničenja ali poškodovanja zavarovanih stvari, ki nastane zaradi: prometne nesreče; vandalizma; toče; poškodovanja vozila.
Total loss / destruction of vehicle
100% of insured sum
Casco insurance covers total destruction of the insured vehicle, with the insurer paying the established damage in full but not exceeding the agreed first-risk sum insured.
Partial damage repair costs
100% of insured sum
Repair costs for partial damage to the vehicle arising from a covered peril (traffic accident, hail, vandalism, natural hazards) are reimbursed up to the agreed sum insured, minus any agreed deductible.
Theft, robbery and burglary of the vehicle (Combination T)
100% of insured sum
Combination T covers theft of the vehicle or of its parts permanently attached to or located in the vehicle; it can only be concluded together with (Full) Casco insurance, and a 10-20% premium discount applies for vehicles fitted with approved anti-theft devices.
Section: Kaj vključuje? > +Kasko zavarovanje
Kombinacija T *KOMT – krije krajo vozila ali njegovih delov, ki so pritrjeni na ali v vozilo; kombinacija T se lahko sklene le skupaj z Zavarovanjem avtomobilskega kaska;
Glass breakage (Combinations E and J)
100% of insured sum
Combination E covers breakage or damage of standard-fitted glass on the vehicle (lights and mirrors excluded); Combination J extends this to also cover breakage, damage or theft of fitted glass, lights and mirrors.
Section: Kaj vključuje? > +Kasko zavarovanje
Kombinacija E – krije škodo, nastalo zaradi razbitja ali poškodovanja vgrajenega stekla *VGS na avtomobilu (luči oziroma žarometi ter ogledala niso vključeni); ... Kombinacija J *KOMJ – krije škodo na vgrajenih steklih, svetlobnih telesih (lučeh) in ogledalih na avtomobilu, ki nastane zaradi razbitja, poškodovanja ali tatvine;
Natural hazards
100% of insured sum
Full and general casco cover damage caused by fire, storm, snow or landslide, hail, lightning, earthquake, flood, torrential and high water, explosion, external thermal or chemical action, aircraft fall, civil unrest, wild animals and rodents.
Vandalism
100% of insured sum
Full and general casco explicitly cover damage resulting from vandalism to the insured vehicle.
Section: Kaj je zavarovano? > Kasko zavarovanje
Pri polnem in splošnem kasku je krita škoda zaradi izginitve, uničenja ali poškodovanja zavarovanih stvari, ki nastane zaradi: prometne nesreče; vandalizma; toče; poškodovanja vozila.
Roadside/motor assistance
Optional
A separate optional module offering 24/7 free roadside assistance in Slovenia and abroad via a partner network, covering consequences of traffic accidents, breakdowns, vandalism, damage, theft, and key or fuel problems, available to the driver and all passengers.
Section: Pomoč na cesti doma in v tujini 24/7
24-urna brezplačna pomoč na cesti v primeru prometne nesreče, mehanske okvare vozila, vandalizma, kraje, poškodovanje vozila ali težav s ključi ali gorivom. Asistenčna pomoč pripada vozniku in vsem potnikom v zavarovanem vozilu.
Replacement vehicle rental (Combination I)
Optional
Combination I covers the cost of renting a replacement personal vehicle and can be added within the Full or Flexi Casco framework.
Section: Kaj vključuje? > +Kasko zavarovanje
Kombinacija I *KOMI – krije stroške najema nadomestnega osebnega vozila, če je prišlo do poškodbe, uničenja ali izginotja vozila zavarovanega avtomobila zaradi katere koli od zavarovanih nevarnosti avtomobilskega kaska.
Motor accident (driver/passenger) insurance
Optional
A separate optional accident cover for drivers, passengers and workers operating or riding in the vehicle, paying out for disability, death, daily compensation and hospital daily allowance; racing, motocross, rally, karting and related training are excluded.
Section: Kaj je zavarovano? > Nezgodno avtomobilsko zavarovanje
vozniki, potniki in delavci pri upravljanju in vožnji z motornimi vozili za primere iinvalidnosti ali smrti ali dnevne odškodnine ter bolnišničnega dneva.
Key conditions
Driver age and experience limit
Young drivers (fewer than 3 years of licensed driving experience, or learner drivers with an accompanying driver) are subject to a premium surcharge across AO, driver accident and casco cover, unless the separate stand-alone 'Mladi voznik' (Young Driver) insurance is purchased, and casco can also be extended to young drivers at no extra premium under the young-driver insurance module.
Repair network requirements
The vehicle may only be repaired in the Republic of Slovenia unless prior written consent of the insurer is obtained for repair abroad; using Sava's authorized repair network enables fast damage assessment and direct settlement of the repair invoice.
Anti-theft requirements
A 10-20% discount on Combination T (theft) premium applies to vehicles fitted with approved anti-theft/tracking devices such as Mul-T-Lock, Defend-Lock, SQ Track, Track8, Haicom HI-601 VT, G19-B, Autrace, Easytracker, Teltronika or Ruptela.
Claim notification deadline
The occurrence of an insured event must be reported to the insurer in accordance with the terms and conditions, and for certain types of damage the nearest police station must be notified immediately.
Deductible rules
Policyholders may choose casco cover with or without a deductible (franšiza); if a deductible is agreed, the insurer's payout is reduced by the amount of the agreed deductible.
Direct payment
Damage assessment is carried out quickly by Sava's authorized repair network, which takes over the vehicle for repair, while Sava handles the assessment process and pays the repair invoice directly.
Territorial scope
Unless otherwise agreed in the policy, coverage applies in the Republic of Slovenia and in countries that are signatories to the agreement between national insurance bureaus of EEA member states and other associated members, or countries party to the Green Card general rules, or other countries as specified in the terms.
Documents
General Terms and Conditions for Motor Casco Insurance (AK 01/17) (opens in a new tab)
Terms & conditions · PDF
Special Terms and Conditions for Motor Casco Insurance - Personal Vehicles (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - Motor Vehicle Insurance (VOZ 01/22) (opens in a new tab)
Product information sheet · PDF
Motor Insurance Product Folder (coverage combinations overview) (opens in a new tab)
Table of benefits · PDF
General Terms and Conditions for Sava Assistance (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Traffic accident coverage
Comprehensive casco covers damage from traffic accidents including collision, impact, skidding, overturning and crash when the insured is at fault
SourceSource no longer reachableNatural hazard coverage
Coverage for damage from fire, storm, snow/landslide, hail, lightning, earthquake, flood, torrential water, explosion, external thermal/chemical action, aircraft fall, civil unrest, wild animals and rodents
SourceSource no longer reachableDeductible option
Policyholders can choose to include or exclude deductibles in their Full Casco coverage
SourceSection: Kaj vključuje? > +Kasko zavarovanje
To zavarovanje lahko sklenete z odbitno franšizo *OF ali brez nje.
Vehicle repair network
Vehicles can only be repaired in Slovenia unless prior written consent from insurer is obtained; Fast claims assessment conducted by authorized repair networks
SourceSource no longer reachableTheft coverage combination
Coverage for theft of the vehicle or its parts permanently attached to or inside the vehicle; Available only as combination with Full Casco coverage
SourceSection: Kaj vključuje? > +Kasko zavarovanje
Kombinacija T *KOMT – krije krajo vozila ali njegovih delov, ki so pritrjeni na ali v vozilo; kombinacija T se lahko sklene le skupaj z Zavarovanjem avtomobilskega kaska;
Glass damage coverage
Covers damage from breaking or damage to installed glass on the vehicle (excludes lights/mirrors)
SourceSection: Kaj vključuje? > +Kasko zavarovanje
Kombinacija E – krije škodo, nastalo zaradi razbitja ali poškodovanja vgrajenega stekla *VGS na avtomobilu (luči oziroma žarometi ter ogledala niso vključeni);
Animal collision coverage
Coverage for damage from direct collision or contact with wild animals or domestic animals
SourceSection: Kaj vključuje? > +Kasko zavarovanje
Kombinacija D *KOMD – krije škodo, ki nastane zaradi neposrednega trka ali dotika avtomobila z divjadjo ali domačimi živalmi;
Parked vehicle collision
Coverage for damage to a parked vehicle caused by direct collision or contact with another unknown motor vehicle
SourceSection: Kaj vključuje? > +Kasko zavarovanje
Kombinacija H – krije škodo na parkiranem avtomobilu, ki jo z neposrednim trkom ali dotikom povzroči drugo neznano motorno vozilo;
Repair approval requirement
Vehicles in Slovenia can only be repaired with prior written insurer consent if repair is to take place abroad
SourceSource no longer reachableFirst risk coverage limit
Insurer pays established damage in full amount but not exceeding agreed sum insured for first risk
SourceSource no longer reachableDeductible reduction on claim
In case of deductible, the insurer's payment is reduced by the amount of agreed deductible (franšiza)
SourceSource no longer reachableCoverage period - 24 hour rule
Insurance coverage ends after 24 hours of the day listed in policy as end date
SourceSource no longer reachableRental vehicle specific conditions
For vehicles in commercial rental use (rent-a-car), combination T coverage is possible only with written insurer consent and additional conditions may apply
SourceSource no longer reachableBonus/Malus application
Bonus/malus ratings are applied to traffic accident claims but not to hail or vehicle damage claims in flexible casco variants
SourceSection: Kaj vključuje? > +Kasko zavarovanje > Fleksi kasko (FK)
Škode oziroma bonus/malus upoštevamo samo pri kritju prometne nesreče, ne upoštevamo pa jih pri kritjih toče in poškodovanju vozila *PV.
Claim notification requirement
Occurrence of insurance event must be reported to insurer; in case of damage exceeding certain threshold, police notification may be required
SourceSource no longer reachableSources
- avto.zav-sava.sihttps://avto.zav-sava.si/sl-si/zavarovanja/vozila/avtomobilsko-zavarovanje/(opens in a new tab)
- esklepanje.sihttps://esklepanje.si/wp-content/uploads/2024/05/SAVA.pdf#page=1(opens in a new tab)
- zav-sava.sihttps://www.zav-sava.si/en/zavarovanja-in-asistence/asistence/avtomobilska-asistenca(opens in a new tab)
- zav-sava.sihttps://www.zav-sava.si/en/zavarovanja-in-asistence/zavarovanja/nikoli-sami-v-avtu/avtomobilsko-zavarovanje-za-osebna-vozila(opens in a new tab)
Sava Casco (own-damage car insurance)